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click on the course titles for additional details +
| COM01 |
Compliance:
General Operations |
FRB
regulations, BSA, CTR, Suspicious Activity Report, OFAC, Patriot
Act, RFPA, Regs S, L and A, Privacy |
| COM02 |
Compliance:
Deposit Regulations |
TIS/NCUA
part 707, Truth in Savings, Reserve Requirements, EFT Availability
of Funds, UCC, Collection of Checks, Escheat |
| COM03 |
Compliance:
Lending Operations |
FRB
regulations, NCUA 701.21, Equal Credit Opportunity, Fair Housing
Act, HMDA,Truth in Lending, Fair Credit Reporting Act |
| COM04 |
Bank
Bribery Act |
Bank Bribery
Act/Conflicts of Interest, NCUA IRPS 87-1, permissible and prohibited
activities, exceptions, disclosures, conflicts of interest |
| COM05 |
Bank
Secrecy Act |
Bank
Secrecy Act, OFAC, NCUA 748, member identification program,
new accounts, transactions, exempt persons, suspicious activity
report |
| COM05A |
BSA
for Frontline Staff |
This course
covers essential money laundering issues such as the customer
identification program, the role of OFAC, a SAR narrative, plus
additional emphasis on monetary instruments, funds transfers,
currency transaction reports, and recognizing 'red flags' for
frontline staff. |
| COM05B |
BSA
for New Accounts |
The
BSA – New Accounts’ course covers many of the areas
discussed in BSA – Frontline Staff, however, there is
a stronger emphasis on identifying red flags related to new
accounts. |
| COM05C |
BSA
for Electronic Transactions |
From ‘What
is Money Laundering?’, ‘What is Terrorist Financing?’,
and ‘Suspicious Activity Reports’ through to ‘OFAC
and Electronic Services’, ‘Funds Transfers’,
and ‘Red Flags for Electronic Services’, this course
provides a clear understanding of the role the BSA regulations
play for those involved in the Electronic Services area of the
credit union. |
| COM05D |
BSA
for Lending Operations |
The
course addresses how to identify the money laundering red flags
related to lending operations. In addition, it provides a detailed
money laundering scenario that any lender may encounter. Reinforcement
of the key BSA elements regarding customer ID in both new and
existing relationships, suspicious activity reports, OFAC, and
alerting the credit union’s BSA Officer, is provided to
help ensure the required level of BSA understanding. |
| COM05E |
BSA
for Volunteers and Senior Management |
Along with addressing
the key BSA elements, this program delves into compliance programs,
relevant risk factors a Board member must consider, and the
reporting and recording requirements the credit union must meet
in order to remain compliant with BSA regulations. |
| COM06 |
The
USA Patriot Act |
Patriot
Act (CIP) NCUA 748, identification, opening accounts, verification
procedures, documentary and non-documentary, records |
| COM07 |
Understanding
Check 21 |
Important
terms, process, standards, consumer notice, error resolution,
expedited recredit |
| New! |
COMPASS |
Products
and services program that you can easily customize to your credit
union presented with the legislation that corresponds to each
product |
| COM09 |
Defining
Sexual Harassment |
Sex for
business reward, hostile environment, investigation, duty to
report |
| COM10 |
Recognizing
Sexual Harassment |
Quid
pro quo, abusing power, hostile environment, email trail, harassment
by customer, duty to report |
| COM11 |
Money
Laundering and Customer Due Diligence |
What money
laundering is, customer due diligence, unusual activities, red
flags, BSA Officer investigations |
| COM12 |
Elder
Financial Abuse Prevention |
Recognizing
potential abuse, appropriate action when abuse is suspected,
reporting to authorities |
| COM13 |
Office
of Foreign Assets Control |
What OFAC
is, OFAC procedures, verifying true matches, acting on a true
match, other OFAC information |
| COM14 |
Money
Services Businesses |
What
a Money Services Business is, extra due diligence, MSB requirements,
basic customer due diligence, red flags |
| COM15 |
Introduction
to Identity Theft |
What
is Identity Theft, What is Identity Data, Property Theft and
Pretexting, Mail Theft and Dumpster Diving, Credit/Debit Card
Skimming, Internet and Electronic Theft, Protecting Against
Identity Theft, The Identity Theft Affidavit
|
| COM16 |
Identity
Theft and the FACT Act |
Identity
Theft and Legislative Background, Red Flags and the FACT Act,
Responsibilities of the Credit Union, Alerts, Notifications,
or Warnings, Suspicious Documents, Suspicious Personal Identifying
Information, Suspicious Activity, Address Changes and Discrepancies,
Response to Red Flag Detection |
| COM17 |
The
Credit CARD Act |
Understanding the
CARD Act, Rate Increases, Fees and Charges, Overlimit Fees,
Periodic Statements, Changes in Terms, Receiving Payments, Allocation
of Payments, Ability to Repay, Young Consumers, Credit Card
Agreements |
| ORC05 |
Confidentiality
and Security |
Grahmm-Leach-Bliley,
NCUA 716 Bylaws, credit union HR policies such as employee relations,
hours of work, pension and benefits, compensation |
| ACC01 |
Membership
& Account Ownership |
TIS
NCUA part 707, state law, account opening, disclosures, individual,
joint and multiple party accounts, trust and business accounts |
| ACC02 |
Share
Insurance |
NCUA 740,
NCUSIF, maintaining the fund, definitions, POD accounts, maximum
coverages, other account types |
| ACC03 |
Opening
Accounts |
TIS
NCUA part 707, state law, membership eligibility, identification,
screening, account types, disclosures, holds, limitations |
| ACC04 |
Closing
Accounts |
State law,
individual, joint, living trusts, fiduciary, IRA accounts, payments
to minors and beneficiaries |
| ACC05 |
Powers
of Attorney |
State
law, types of POAs - statutory, durable, springing, special;
documents, revocation, substitution, termination, limitations |
| ACC06 |
Trust
Accounts |
State law,
types of trusts, Totten trusts, blocked or court ordered accounts,
uniform transfer to minor, living trusts |
| ACC07 |
Decedent’s
Accounts |
State
law, account ownership, POD accounts, Powers of Attorney, minors,
living trust, will or no will, estate accounts |
| TEL04 |
Reg
CC - Check Holds |
REG CC,
disclosures, definitions, availability of funds, ATM deposits,
hold notices and timeframes |
| TEL05 |
Problem
Check Resolution |
UCC,
payees, signatures, endorsements, warranty, returned checks,
liability, suspicious transactions |
| TEL06 |
Preventing
Check Fraud |
UCC, new
accounts, cashing checks, check security, bad checks, kiting,
UCC, liability, check holds |
| TEL09 |
Reg
E - ATM & EFT Transactions |
Regulation
E, ATM card setup, lost cards, daily balancing, internet, ACH,
bill payments, transfers, phone banking |
| EFT01 |
Reg
E - Electronic Transactions |
Regulation
E, initial disclosures, issuing cards, preauthorized transfers,
disclosures, liability, error resolution |
| EFT02 |
Reg
E - Error Resolution |
Regulation
E, unauthorized use, types of errors, investigation, timeframes,
findings, liability limits, credit and debit cards |
| EFT03 |
ACH
Transactions |
Regulation
E, parties in the process, deposits and payments, collections,
conversions, rules and regulations, warranties |
| EFT04 |
Home
Banking |
Regulation
, secure transactions, the home banking system, features and
benefits, regulatory requirements, faqs |
| EFT05 |
Bill
Payer |
Regulation
E, features and benefits, how does it work, setting up payees,
making payments, account activity, security |
| INV02
|
How
Dividends Work |
Truth
in Savings, simple interest, compound interest, the rule of
72, interest calculators, personal savings calculator |
| LEN01 |
Understanding
Consumer Credit |
Regulations
B and Z, good and bad credit, terms and conditions, loan documents,
rates, term, amortization, security |
| LEN03 |
The
Loan Application |
Regulation
B, the interview, application detail, automated processing,
uncertainties and opportunities |
| LEN07 |
Reg
B - Equal Credit & Fair Lending |
Regulation
B and Fair Housing, fair lending regs, discrimination, marital
status, government monitoring, credit scoring, notifications |
| LEN08 |
Reg
Z - Error Resolution |
Regulation
Z, issuing credit cards, unauthorized use, investigations, liability,
cardholder rights, error resolution |
| REL03 |
Real
Estate Lending Participants |
Participants
NCUA 722 (Appraisals), mortgagor, guarantor, mortgagee, credit
bureau, broker, underwriter, appraiser, title, escrow, insurer |
| REL04 |
Property
Considerations |
NCUA
701.21 and secondary market, eligible properties, standards,
raw land, junior liens, mobile homes, condos, coops, reverse
mortgages |
| REL06 |
Flood
Insurance/Property Valuations |
Flood Disaster
Protection Act, flood hazard determination, notice to borrower,
insurance, notice to FEMA |
| REL07 |
Home
Equity Lending |
Truth
in Lending, Application, interest rates, terms and conditions,
title insurance, flood hazard, notice of right to cancel |
| REL08 |
Mortgage
Paperwork |
Truth in
Lending, RESPA, flood hazard determination, disclosures, rescission
notices, closed and open |
| IRA01 |
Understanding
IRA Basics |
IRS rules,
history, qualified retirement plans, IRA types, tax benefits,
IRA calculator, investment penalties |
| IRA02 |
IRA
Eligibility and Contributions |
IRS rules,
contributory, spousal, roth, comparisons, SEP, SIMPLE, rollover,
trustee-to-trustee, 60 day rule |
| IRA03 |
IRA
Distributions |
IRS rules,
paperwork – contributory, rollover, SEP, SIMPLE, distributions
– mandatory, normal, premature |
| SEC01 |
Member
Privacy (716) |
NCUA 716,
Gramm-Leach-Bliley, 10 steps to privacy, protected information,
sharing with third parties, disclosure, opting out |
| SEC02 |
Right
to Financial Privacy |
State and
Federal law, RTFP Act, consumer authorization, criminal account
activity, government’s right, regulatory agencies |
| SEC03 |
Electronic
Security (748) |
NCUA 748,
electronic access, data processing, dual control and segregation
of duties, outside contracts |
| SEC04 |
Use
of Electronic Media |
NCUA 748
Appendix A, email, software, downloads, security, prohibited
activities, storing data, transmissions, outside companies |
| SEC05 |
Pretext
Calling/Member Identification |
Gramm-Leach-Bliley,
the law of protection, identity theft, identifying callers,
reporting suspicious activity, educating members |
| BAC01 |
Opening
Business Accounts |
Regs
that apply to business and consumer accounts, business types,
eligibility, collecting information, account setup, signing
officers, application of regulations |
| BAC04 |
Member
Business Loans |
NCUA 723,
eligibility, impermissible activities, construction and development
loans, maximum loans |
| CLR01 |
Check
Deposits |
Fed
rules, clearing system overview, settlement points, balancing,
shipping, cash letters, fine sort, indemnification |
| CLR02 |
Check
Presentment |
Fed rules,
receiving inclearings, processing share drafts, inclearing problems,
returning items, adjustments |
| CLR03 |
Check
Returns |
Fed
rules, reasons, the paying bank, large dollar items, qualified
vs unqualified, timeframes, suspicious items |
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