C O M P L I A N C E T R A I N I N G S I M P L I F I E D

Transcription

1 C O M P L I A N C E T R A I N I N G S I M P L I F I E D

2 TABLE OF CONTENTS OUR NEW COURSE CATALOG simplifies assigning training and aligns with new bank regulations HUMAN RESOURCES ISSUES MORTGAGE LOAN ORIGINATION FRONTLINE SALES AND SERVICE LENDING LAWS AND REGULATIONS FINANCIAL INSTITUTION ACTIVITIES CORPORATE COMPLIANCE LAWS AND REGULATIONS BSA / ANTI-MONEY LAUNDERING LAWS AND REGULATIONS FINANCIAL PRODUCTS AND SERVICES LAWS & REGULATIONS LEGEND Course Number Course Title Course Length Continuing Education Designation & Credit Bank security: an Overview 30 minutes CFSM CRCM 0.75 BAI Center For Certification Course Description CRCM 0.75 This program examines the importance of security procedures and the minimum security required by regulators and outlines additional security measures. 115 S. LASALLE STREET, SUITE 3300 CHICAGO, IL LEARNBAI.ORG B A I B A N K I N G S E R I E S C O U R S E C A T A L O G 2

3 Training Solutions BAI Learning & Development COMPLIANCE TRAINING SIMPLIFIED BAI has over 90 years of experience in the financial services industry and is trusted by more than 1,700 institutions and multiple federal regulatory agencies to provide the most up-to-date and comprehensive compliance training. Our trusted training solutions are developed by compliance experts, delivered through the easy-to-use BAI Learning Manager and supported by a team dedicated to helping your bank achieve its training goals. BAI Learning & Development offers all the tools and resources your bank needs to successfully navigate the latest regulatory compliance challenges. LEARNING MANAGER SYSTEM Aassign and track employee training Automate reminders and reports Modify or design your own courses BANKING SERIES COURSEWARE CUSTOMER AND TECHNICAL SUPPORT Over 250 interactive, up-to-date online courses Developed by a team of regulatory compliance experts, including CRCMs and CRPs Numerous federal regulatory agencies train employees with BAI courseware BAI implementation specialists assist in creating and implementing your training program Dedicated Relationship Managers ensure your program evolves with your training needs Customer Support Services support your use of the Learning Manager B A I B A N K I N G S E R I E S C O U R S E C A T A L O G 3

4 Training Solutions Tools and Resources BAI customers enjoy complimentary access to L&D Connect, an online customer community connecting peers from more than 1,700 BAI customer organizations. Our webinars, whitepapers and regulatory alerts keep you informed of the latest compliance changes affecting bankers. DISCUSSION FORUMS Where peers in the compliance industry can connect to one another and share ideas WEBINARS & WHITEPAPERS Addressing hot topics in regulatory compliance and training REGULATORY ALERTS Ensure you are aware of new regulatory announcements and key dates EXPERT OPINION SERVICE Receive direct feedback when submitting compliance questions or challenges to our experts ALSO AVAILABLE: PROFESSIONAL SKILLS 130+ courses to enhance employees soft skills Topics range from business communication to customer relationship management and more Courseware furthers employee professional development B A I B A N K I N G S E R I E S C O U R S E C A T A L O G 4

5 Training Solutions BAI Learning Manager Additional Offerings As the premier training provider, we believe in offering flexible solutions that meet your bank s unique training needs. From custom branding and HR integration to in-person training materials and professional development courses, BAI s comprehensive solutions can all be delivered and tracked through one simplified Learning Manager System. PROFESSIONAL SKILLS COURSEWARE LIBRARY 130+ courses that cover business management, customer relationships and more VIRTUAL CLASSROOM Trainers can administer courses in multiple locations and track them in the Learning Manager System COMPLIANCE CLASSROOM TOOLKITS Out-of-the-box in-person training sessions on regulatory hot topics like Reg Z and BSA CUSTOM SERVICES HR Information System Integration Custom branding Institution Specific Reports Customized Courses If your organization already has a training system, our courseware is available for purchase and our technology team will ensure a seamless integration. Whatever your needs, we can help simplify training and prepare your employees to reduce compliance risk. B A I B A N K I N G S E R I E S C O U R S E C A T A L O G 5

6 Training Solutions Continuing Education Earning and maintaining a professional certification is a valuable asset for both an individual and your organization. More than 70 online courses within the BAI Banking Series have been pre-approved for Continuing Professional Education (CPE) credits by the Institute of Certified Bankers (ICB) and/or the Bank Administration Institute (BAI). Leverage these courses to secure and maintain your professional certifications and those of your employees. BAI CENTER FOR CERTIFICATION AMLP CBA CRP Anti-Money Laundering Professional Certification Certified Bank Auditor Certified Risk Professional INSTITUTE OF CERTIFIED BANKERS* CRCM CLBB CFSSP CFMP CSOP CISP CRSP CCTS CTFA Certified regulatory Compliance manager Certified lender-business banking Certified financial services security professional Certified financial marketing professional Certified securities operations professional Certified ira services professional Certified retirement services professional Certified Corporate trust specialist Certified trust and financial advisor *To apply for these credits, contact: Institute of Certified Bankers icb@aba.com The institute of Certified Bankers (ICB), a subsidiary of the American Bankers Association, is dedicated to promoting the highest standards of performance and ethics within the financial services industry. The courses designated for these certifications have been approved for certification credits. This statement should not be viewed as an endorsement of this program or its provider. B A I B A N K I N G S E R I E S C O U R S E C A T A L O G 6

7 HUMAN RESOURCES ISSUES

8 Human Resources Issues Workplace Violence 1259 Workplace Violence: Employee Protection 24 minute tutorial This video, recommended for all financial institution employees, especially security personnel and managers, provides instruction on developing a plan to prevent workplace violence, the early warning signs of workplace violence, and what to do should violence occur Workplace Violence: Warning Signs and Prevention This course, intended for all audiences, addresses the potential for workplace violence, the impact of violence in the workplace, signs of potential violence and strategies against it, and how to respond in an emergency situation such as an active shooter scenario. Sexual Harassment / Discrimination 1293 Sexual Harassment: Crossing the Line 21 minute tutorial This video, intended for all financial institution personnel, addresses the boundaries of acceptable behavior in the workplace, what constitutes sexual harassment, and the different types of sexual harassment Sexual Harassment: Take Action 17 minute tutorial This video, intended for all financial institution personnel, addresses how sexual harassment impacts a company, steps and guidelines on interviewing witnesses, victims and accused individuals, and the boundaries of acceptable workplace behavior Sexual Harassment: Definition and Prevention This course, recommended for all employees, defines the different kinds of sexual harassment, describes who can be perpetrators and victims of harassment, and identifies steps that employees and management can take to ensure a harassment-free workplace. B A I H U M A N R E S O U R C E S I S S U E S L E A R N B A I. O R G 8

9 Human Resources Issues Customer Service Key Essentials of Customer Service 60 minute tutorial Exceptional customer service means not only satisfying your customers' needs, but exceeding their expectations. In this course, intended for all new hires, tellers, and all customer contact personnel, you will learn the importance of exceptional customer service, the role of attitude in customer service, the importance of positive body language, and the role of communication including listening and sending clear messages Handling Challenging Situations 90 minute tutorial This course, recommended for all front-line personnel, describes different techniques and guidelines for how to effectively handle difficult or challenging situations when dealing with customers. Upon completing this course, you ll be able to: interact effectively with customers at peak times, identify methods for correcting errors, determine effective methods for resolving customer complaints and identify effective ways to interact with angry customers. Additionally, you will be able to apply active listening techniques to identify the cause of customer anger and demonstrate effective techniques for defusing anger. ADA ADA: Public Accommodations The Americans with Disabilities Act (ADA) of 1990 makes it clear that discrimination against persons with disabilities is a violation of federal law. This course will help you to understand Title III of the Americans with Disabilities Act, as well as how public accommodations can be modified for the disabled, and how to provide equal access and equivalent services to the disabled. Diversity Diversity: Valuing Differences 45 minute tutorial Your workforce represents different cultures, genders, and lifestyles: all factors of diversity. Use this course, appropriate for all employees, to identify the advantages of having a diverse workforce, better understand people from different backgrounds, overcome stereotypes and discover how to create an atmosphere of inclusiveness. B A I H U M A N R E S O U R C E S I S S U E S L E A R N B A I. O R G 9

10 Human Resources Issues Telephone Skills Telephone Techniques for Customer Interactions 60 minute tutorial This course, recommended for all employees, will help you understand why telephone communications can be so challenging and presents some potential barriers inherent to telephone communication. In addition, this course gives the definition of listening, the five stages of the communication process, how to effectively answer business calls, effective and courteous ways to place callers on hold, steps to follow to minimize call escalation, and the process for breaking up complex calls. B A I H U M A N R E S O U R C E S I S S U E S L E A R N B A I. O R G 10

11 MORTGAGE LOAN ORIGINATION

12 Mortgage Loan Origination Loan Documentation 31403B Mortgage Origination: Completing the Application 20 minute tutorial Intended for mortgage lending professionals, this interactive course will identify common pitfalls in the process of completing a mortgage loan application with a potential borrower, focusing on what represents an application and the rules around government monitoring information. Regulations addressed in this course include Regulation B, the Home Mortgage Disclosure Act (HMDA), and the Real Estate Settlement Procedures Act (RESPA). This engaging learning experience features: high-impact audio (optional), video, and scenario-based challenges B Mortgage Origination: Collecting Information and Documentation 15 minute tutorial In this interactive course, front-office mortgage lending personnel will learn how to collect the applicant s identifying information and documentation, in accordance with the Customer Identification Program (CIP) and Fair Lending guidelines. Regulations addressed in this course include Regulation Z (TILA), Regulation B (ECOA), the Bank Secrecy Act (BSA), and the USA PATRIOT Act. This engaging learning experience features: high-impact audio (optional) and scenario-based challenges. Marketing 31400B Mortgage Origination: Marketing In this interactive course, mortgage lending personnel who promote and originate residential mortgage loan products will learn to identify and avoid discrimination in advertising, comply with kickback rules and regulations, and recognize various rules and regulations around marketing, including fair lending guidelines, UDAAP, Regulation Z, SAFE Act, TCPA, CAN-SPAM Act, and RESPA requirements. This engaging learning experience features high-impact audio (optional), interactive video, and scenario-based challenges. Mortgage Lending 31401B Mortgage Origination: Matching Products 25 minute tutorial In this interactive course, mortgage lending professionals will learn the process of matching a borrower with the best type of mortgage loan for that borrower, as well as how to comply with regulations around steering, fees, and negative amortization counseling, including Regulation B, Regulation Z, and UDAAP (Unfair, Deceptive, or Abusive Acts and Practices). This engaging learning experience features high-impact audio (optional) and video and scenario-based challenges. B A I M O R T G A G E L O A N O R I G I N A T I O N L E A R N B A I. O R G 12

13 Mortgage Loan Origination FCRA and the FACT Act 31402B Mortgage Origination: Pulling Credit Reports 20 minute tutorial In this interactive course, mortgage lending professionals will learn to identify a permissible purpose for a credit report, recognize types of fraud alerts and why they occur, and detect red flags for identity theft. Regulations addressed in this course include the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transaction Act (FACTA). This engaging learning experience features high-impact audio (optional), interactive learning activities, and scenario-based challenges. B A I M O R T G A G E L O A N O R I G I N A T I O N L E A R N B A I. O R G 13

14 FRONTLINE SALES AND SERVICE

15 Frontline Sales and Service General Teller Skills 31122B Frontline: Statements, Terms, and Interest Intended for frontline personnel, this course provides an overview of the account information is listed on periodic statements, how the institution informs consumers regarding changes in terms, and how interest on accounts is determined and paid. This engaging learning experience features high-impact video, interactive learning activities, and scenario-based challenges B Frontline: Check Fraud Prevention Intended for frontline personnel, this course provides an overview of common check fraud schemes, methods of prevention, and the behaviors that employees should carry out to protect both themselves and their institution. This engaging learning experience features high-impact video and interactive learning activities. Estimates duration: 30 minutes 31112B Frontline: Money Handling 20 minute tutorial Intended for frontline personnel, this interactive course provides an overview of money handling, including the different forms of coins and currency and their features, how to detect counterfeit or altered bills, and what to do when presented with fraudulent currency. In addition, this course identifies best practices for learners to set up, maintain, and balance their cash drawers B Frontline: Negotiable Instruments 20 minute tutorial Intended for frontline personnel, this interactive course provides an overview of the different types of negotiable instruments and how they must be validated prior to processing. Privacy 31120B Frontline: Privacy Considerations 20 minute tutorial Intended for frontline personnel, this interactive course provides an overview of the requirements set forth by Regulation P, which regulates how financial institutions provide notice to consumers about their privacy policies and practices around sharing nonpublic personal information with nonaffiliated third parties. B A I F R O N T L I N E S A L E S A N D S E R V I C E L E A R N B A I. O R G 15

16 Frontline Sales and Service Regulation E 31123B Frontline: Overdrafts and Electronic Fund Considerations 20 minute tutorial Intended for frontline personnel, this interactive course provides an overview of overdrafts and electronic fund transfers (EFTs), including types of EFTs, the disclosures and documentation that must be provided to consumers for EFT services, the steps an institution must take before assessing an overdraft fee, as well as the error resolution process. This course also addresses rules for payroll cards and gift cards. Sales 31134B Frontline: Sales and Cross-Selling 20 minute tutorial Intended for frontline personnel, this course provides an introduction to the concept of cross-selling, including commonly cross-sold products and services and cross-selling best practices. This engaging learning experience features interactive learning activities and scenario-based challenges. Customer Service 31135B Frontline: Customer Service and Support 20 minute tutorial Intended for frontline personnel, this interactive course provides an overview of customer service best practices, including how to communicate effectively, provide support, and handle consumer complaints. This engaging learning experience features high-impact audio, scenario-based challenges, and interactive learning activities. Security 31133B Frontline: Robbery and Security 20 minute tutorial Intended for frontline personnel, this interactive course provides learners with the best practices to follow to prepare for and respond to a robbery. This engaging learning experience features high-impact video, interactive learning activities, and scenario-based challenges. B A I F R O N T L I N E S A L E S A N D S E R V I C E L E A R N B A I. O R G 16

17 LENDING LAWS AND REGULATIONS

18 Lending Laws and Regulations CRA 1277 Community Reinvestment Act: An Introduction 10 minute tutorial This video, recommended for managers and compliance officers, and any employees requiring knowledge about the Community Reinvestment Act (CRA), addresses what the CRA is, how it impacts customers and institutional compliance with the Act CRA: An Overview This course, intended for staff trainers, branch managers, auditors, compliance officers, teller supervisors, and any employee exposed to this regulation, addresses the purpose of the Community Reinvestment Act, CRA's relationship with low-to-moderate income neighborhoods, federal regulatory agencies that supervise most U.S. institutions, CRA institution categories, evaluation methods by institution type, the importance of each CRA rating, and the proper disclosure of the CRA evaluation CRA: Public File Requirements 60 minute tutorial CRCM CLBB 1.25 In this course, intended for staff trainers, branch managers, auditors, compliance officers, teller supervisors, and any employees exposed to this regulation, addresses performance evaluation methods and ratings under CRA, CRA required recordkeeping, CRA reporting requirements, the CRA Performance Evaluation, and what information is included in the public file and CRA Notice Regulation G: Disclosure and Reporting of CRA-Related Agreements 10 minute tutorial This compliance brief covers Regulation G, which implements section 711 of the Gramm-Leach-Bliley Act requiring (among other things) depository institutions to make information regarding covered CRA-related agreements available to the public and available to the appropriate federal regulatory agency. Fair Lending 1315 Fair Lending: Preventing Discrimination 23 minute tutorial This video, recommended for all lending personnel, addresses equal and consistent assistance to all loan applicants, and eight simple questions to keep personal bias out of lending decisions. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 18

19 Lending Laws and Regulations Fair Lending: Basic Topics and Terms 60 minute tutorial CRCM CLBB 1.25 This course, intended for lending personnel, individuals who receive or give loan applications, and compliance personnel, addresses how to apply fair lending laws and regulations on the job, including the Equal Credit Opportunity Act and the Fair Housing Act. This course will also help you to recognize different types of discrimination, identify what your institution can do to prevent discrimination, and consider the reputational risk impact of fair lending violations Fair Lending: Implementation, Monitoring, and Review 90 minute tutorial CRCM CLBB 2.00 This course, intended for lending management, management, senior management, legal, compliance, and Board of Directors, addresses how implementing a fair lending program improves compliance, the teams, policies, and procedures that are involved in a fair lending performance review, the components of a fair lending monitoring system to evaluate day-to-day activities, how regulators measure enforcement penalties in the event of a violation, and the reputational risk impact of a fair lending violation Fair Lending Risks in Indirect Lending 45 minute tutorial CRCM CLBB 1.00 This course, intended for lending officers, management, and compliance officers, discusses fair lending risks involved with indirect lending. After exploring the process of indirect lending and the risks of fair lending violations, strategies to mitigate these risks are outlined. Flood Disaster Protection Act RMR: Complying With The Flood Disaster Protection Act CRCM 0.75 This course, recommended for mortgage lenders, is an overview of the FDPA, and covers the following topics: the purpose of the FDPA, how to comply with the FDPA, special situations, fees and violation penalties CL Flood Insurance for Commercial Lenders This course, recommended for commercial lending personnel, covers the Flood Disaster Protection Act rules, coverage, and exclusions LS Flood Insurance for Loan Servicers This course, recommended for loan servicing personnel, is an overview of the FDPA and covers the following topics: the purpose of the FDPA, how to comply with the FDPA, special situations, fees, and violation penalties. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 19

20 Lending Laws and Regulations 20011ML Flood Insurance for Mortgage Loan Originators This course, recommended for mortgage loan originators, is an overview of the FDPA and covers the following topics: the purpose of the FDPA, how to comply with the FDPA, special situations, fees, and violation penalties. Regulation B Reg B: An Overview CRCM CLBB 0.75 This course, recommended for new hires and loan personnel, provides a better understanding of prohibited discrimination, loans that apply to Reg B, and types of lenders who must comply with this regulation Reg B: Nine Prohibited Discrimination Factors 60 minute tutorial CRCM CLBB 2.00 This course, recommended for loan personnel, teaches ways to identify the definition of discrimination as it pertains to Reg B and the financial industry, and recognize the nine types of discrimination described under Reg B Reg B: Prescreening, Cosigners, and Disparate Treatment 45 minute tutorial CRCM CLBB 1.25 In this course, recommended for all personnel involved in providing loan applications, students will recognize violations regarding prescreening, the definition of cosigners, and recognition of properly secured loans; comprehension of disparate treatment on a prohibited basis and the effects test will also be covered Reg B: Notification Requirements CRCM CLBB 0.75 This course, recommended for loan personnel, will teach about the notification process, counteroffers and when they should be made, what constitutes a loan application and a withdrawn application, and the steps to take when information is missing Reg B: Credit and Loan Handling CRCM CLBB 1.25 This course, recommended for loan personnel, addresses how Reg B affects consumers and small and large business loans, what information must be gathered for eligibility, when it's appropriate to gather credit information on a spouse, and the requirements for providing copies of an appraisal. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 20

21 Lending Laws and Regulations Regulation Z Reg Z: Purpose and Application 75 minute tutorial CRCM CLBB 2.50 In this course, intended for all mortgage lending personnel, you will learn how to define the purpose of Reg Z, recognize when and where Reg Z applies, identify the penalties that occur from failure to comply with Reg Z, determine the difference between open-end and closed-end loans, identify key requirements of Reg Z, understand the requirements regarding the transfer of mortgage loans, and recognize Reg Z's rules regarding advertising Reg Z: Closed-End Credit Disclosures 120 minute tutorial CRCM CLBB CFMP 2.50 In this course, intended for all lending personnel, you will learn how to identify the Annual Percentage Rate and the disclosure rules relating to it, recognize the finance charge and the corresponding disclosure rules, identify the amount financed and the appropriate disclosures, and recognize what other disclosures exist and the rules that pertain to them Reg Z: Open-End Credit Disclosures 90 minute tutorial CRCM CLBB CFMP 2.00 In this course, intended for all lending personnel, especially credit card lenders, home equity lenders, and other consumer credit line lenders, you will learn to identify what information must be included in disclosures and what open-end credit disclosures are, indicate what comprises Annual Percentage Rate disclosures, determine the information required in new loan disclosures, and recognize what information is included in periodic statement disclosures RML: Complying With Regulation Z 90 minute tutorial Upon completion of this course, recommended for mortgage lending personnel, students will be able to identify the background and purpose of Reg Z, indicate the key elements of a disclosure statement, and determine when disclosures are required Reg Z: HPMLs and The Escrow Rule CRCM CFMP 0.75 This course, intended for mortgage lenders and anyone else associated with mortgage servicing, examines the criteria that makes up a HPML, the escrow requirements for HPMLs, and exemptions from these escrow requirements Reg Z: An Overview 45 minute tutorial CRCM CFMP 1.00 This course, recommended for all employees who need a general knowledge of Regulation Z, addresses which loans fall under Regulation Z, which fees and charges apply to real estate loans, how to locate resources for determining APR and the timeframes and disclosures relevant to the regulation. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 21

22 Lending Laws and Regulations Reg Z: Adjustable Rate Mortgages 45 minute tutorial This course, intended for mortgage lenders and employees involved in mortgage lending, will help students to understand and apply the requirements of Adjustable Rate Mortgages (ARMs), understand the differences in ARM loan types, identify necessary ARM disclosures, and understand rules regarding the advertisement of ARM loans Reg Z: Right of Rescission 45 minute tutorial CRCM CFMP 1.00 This course, intended for mortgage lenders and employees involved in mortgage lending, addresses the timing, loan type and notification requirements of the right of rescission, and how to apply the right of rescission to liens, funds and waivers Reg Z: Section 32 (HOEPA) Loans 60 minute tutorial CRCM CFMP 1.25 This course, intended for all loan personnel, examines the distinguishing features of HOEPA loans, including compliance criteria that must be considered when dealing with HOEPA loans, limitations and prohibitions in place when servicing HOEPA loans, and how the Ability to Repay rules apply to HOEPA Reg Z: Reverse Mortgages CRCM CFMP 0.75 In this course, intended for all lending personnel, you'll learn to identify provisions for reverse mortgages, recognize and apply consumer impact, and review and utilize disclosures required under Reg Z for reverse mortgages Reg Z: Ability-to-Repay and Qualified Mortgages 60 minute tutorial CRCM CFMP 1.25 This course, intended for mortgage lenders and employees involved in mortgage lending, addresses the documentation requirements for the Ability-to-Repay rule, differences in Qualified Mortgages, how debt-to-income ratios affect ATR and QMs, prepayment penalties and record retention requirements Reg Z: Appendix Q 75 minute tutorial CRCM 1.50 In this course, intended for mortgage loan underwriters, you will learn how to use a borrower's income tax returns to determine consumer mortgage loan eligibility for a Qualified Mortgage. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 22

23 Lending Laws and Regulations Introduction to the Integrated Disclosure Rule 45 minute tutorial CRCM 1.00 This course, intended for mortgage lenders and employees involved in the mortgage lending process, identifies and explains the key features of the new requirements and prohibitions of the TILA-RESPA Integrated Disclosure Rule, effective October 3, FCRA and the FACT Act FCRA: An Overview In this course, intended for lending personnel, human resources personnel, and loss control and investigative personnel, you will learn why the FCRA exists, permissible uses of credit reports, and the process for enforcement of the FCRA FCRA: Credit Reporting Regulations 60 minute tutorial CRCM CLBB 1.25 In this course, intended for all lending personnel, human resources personnel, and loss control and investigative personnel, you will learn key definitions and rules that affect the Fair Credit Reporting Act, the timelines for how long certain contents may appear inside a consumer report, where an alert may need to be added to a consumer report, proper procedures that apply to agencies and financial institutions when assisting consumers with a consumer report request, distribution, or dispute, when notices for adverse actions, risk-based pricing, and opt-in/out should be sent to consumers, and the FCRA's enforcement agencies and penalties for noncompliance The FACT Act: Rules and Implications 60 minute tutorial CRCM 1.25 Upon completion of this course, intended for all lending personnel, human resources personnel, and loss control and investigative personnel, learners will be able to recognize and apply identity theft provisions, identify how the FACT Act can empower consumers to protect their credit reports and control the use of their information, and apply new standards of preserving the accuracy and integrity of consumer reporting information. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 23

24 Lending Laws and Regulations FCRA and FACT Act Game Show 45 minute tutorial Use this game show course to liven up FCRA and FACT Act training! Specially built for the classroom setting, this Jeopardy-like course was developed to test employee knowledge regarding all facets of FCRA and FACT Act compliance, with categories such as Identity Theft, Protecting Consumers, Notifications and Disclosures, Consumer Reporting Timelines, and Accuracy and Integrity. This course also includes an instructional guide for the host to help conduct the classroom session, and printable score sheets for students. With questions that utilize applicable employee scenarios, as well as standard procedures, your students will be excited about FCRA and FACT Act compliance and daily customer interactions! Appraisals Appraisal Requirements: How to Comply CRCM CLBB 0.75 This course, intended for lending personnel, any personnel who deal with appraisals or appraisers, and appraisers themselves, addresses how to define appraisals and associated terms, the standards and requirements that institutions must follow, when appraisals are and are not required, who may conduct appraisals and evaluations, what evaluations are, when they may be used, and the requirements for such evaluations, and the standards of an appraisal and evaluation management program. Credit Cards Credit Cards: Regulations and Liabilities 60 minute tutorial CRCM CFMP 1.25 In this course, intended for tellers, new accounts representatives, loan personnel, security, compliance officers, and senior management, you will learn how to identify open-end or revolving credit; determine the requirements and regulations that impact credit cards and the opening of credit card accounts; recognize the various levels of cardholder liability; identify offsets against accounts and actions on accounts regarding fees, penalties, opt-ins, and APRs; and determine how to update applicant information Credit Cards: Disclosure Requirements 90 minute tutorial CRCM CFMP 2.00 In this course, intended for new accounts representatives and loan personnel, you will learn how to recognize which disclosures are required on credit card applications, identify information required on the initial disclosure statements for new loans, determine how to handle billing disputes, determine what disclosure information is required on periodic statements, recognize the rules the apply to change-in-terms notices, and identify the rules pertaining to credit card agreements. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 24

25 Lending Laws and Regulations Servicemember's Civil Relief Act Servicemember Issues 45 minute tutorial CRCM CFMP 0.75 In this course you'll learn the basics of the Servicemember's Civil Relief Act, such as why the Act was created and who is covered by the Act. This course also addresses the Talent Amendment, as well as how to handle existing loans and how to comply with the Military Lending Act (MLA). Home Equity Loans Lending: Home Equity Loans 60 minute tutorial In this course, intended for all lending personnel, addresses the reasons home equity loans are so popular, the different features of home equity loans, ways to better comply with regulations related to lending, the information to gather from a potential customer, and how to make well-informed loan decisions Advertising: Home Equity Loans and Lines of Credit 60 minute tutorial Make sure your institution's advertising and promotional efforts meet compliance standards for this popular consumer product by learning about home equity lending products and the associated compliance issues. This course, intended for employees who are involved with home equity marketing, outlines the Truth in Lending Act's unique requirements for marketing home equity loans and HELOCs, and identifies the triggering terms that require additional disclosures. Basic Consumer Lending Lending: Analyzing Personal Tax Returns 60 minute tutorial This course, intended for lending personnel, addresses when to use the tax return and its importance to the lender. It also examines the significant parties involved in the tax return, how to use the tax return to identify income sources, major expenses, and potential liabilities and risks, how to use the tax return to verify information obtained from other credit sources, especially the personal financial statement and loan application, and the supporting tax schedules and what each covers Lending: Analyzing Personal Financial Statements 120 minute tutorial CBA 1.25 In this course, intended for loan officers, loan auditors, credit analysts, and anyone involved in the loan process, you will learn how to identify all parts of a personal financial statement; determine the value, ownership, and control of the most common assets; recognize how to analyze an applicant's cash flow; and identify any special risks facing the applicant. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 25

26 Lending Laws and Regulations Consumer Lending Basics 150 minute tutorial This course will introduce supervisors and loan officers to the types of consumer loans and how financial institutions reach a lending decision. Key topics include the advantages that different kinds of consumer loans offer consumers, the different consumer loan classifications, the consumer loan process, and the regulations that affect consumer lending Underwriting Consumer Loans 60 minute tutorial This course, designed for front-line personnel, discusses the four 'Cs' of credit and the three primary sources of credit verification. It also outlines three basic sources of collateral verification and the most important characteristics to analyze when making the credit decision. Finally, it describes credit scoring systems and how they are used, and describes events that trigger the notification requirements of the ECOA Servicing Consumer Loans 135 minute tutorial CRCM 2.00 This course is designed for lenders and other bankers who need an in-depth understanding of the consumer loan servicing function. This course covers security interest and perfection, the ways in which a lender maintains security interest in collateral, how a lender releases its security interest when a loan is paid off, the three main loan payment systems, a lender's reporting requirements, the activities involved in servicing indirect loans and credit cards, and how to handle customer inquiries Consumer Loan Collections 165 minute tutorial This course, recommended for lenders, describes which factors affect delinquency rates for consumers. It also identifies delinquent borrowers and outlines the components of an effective collection policy, as well as the steps in preliminary collection procedures. In addition, it explains the provisions of the Fair Collection Practices Act, various collection methods, and remedial payment techniques. Commercial Lending Commercial Lending: An Introduction 60 minute tutorial In this course, intended for all personnel who are new to commercial lending, you will learn how to determine the process and documentation required of a loan application, identify the types of commercial loans available, recognize the fundamentals of credit analysis, and indicate how to close a commercial loan. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 26

27 Lending Laws and Regulations Loan Documentation Loan Documentation: The Basics 120 minute tutorial This course, intended for loan officers, loan auditors, credit analysts, loan secretaries, and anyone involved in commercial loans, addresses how to identify the borrower and signers of loans, the components of promissory notes, and attributes of loan agreements Loan Documentation: Ensuring Your Right to Collateral 120 minute tutorial This course, intended for loan officers, loan auditors, credit analysts, loan secretaries, and anyone involved in commercial loans, examines types of collateral, ownership of collateral, ways to establish your rights to collateral, how to protect your rights from other creditors, and how to successfully compile supporting documents Document Preparation and Consumer Loan Closing 135 minute tutorial This course, designed for loan officers and their supervisors, discusses the basic elements of the promissory note, Truth in Lending disclosures, the forms necessary for perfecting a security interest, the differences between first and junior mortgage instruments, the purpose of loan closing activities, and three ways of disbursing loan proceeds. Cash Flow Analysis Cash Flow Analysis: Introduction and Accounting Review 90 minute tutorial CBA 2.00 This course, intended for commercial lenders, loan trainees, loan analysts, and any personnel dealing with balance sheets and income statements, addresses the basics of commercial lending, the definition of cash flow, the importance of cash flow analysis, the differences between cash-based and accrual-based accounting, and financial accounting skills Cash Flow Analysis: Constructing the Cash Flow Statement 90 minute tutorial CBA 2.00 In this course, intended for all credit analysts and loan personnel of financial institutions, especially loan trainees, loan analysts, and experienced commercial lenders, you will learn how to work with accrual-based financial statements, the basic mechanics of cash flow analysis, how to construct a cash flow statement, and how to apply cash flow analysis. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 27

28 Lending Laws and Regulations Cash Flow Analysis: Interpreting the Cash Flow Statement 90 minute tutorial CBA 2.00 In this course, intended for all credit analysts and loan personnel of financial institutions, especially loan trainees, loan analysts, and experienced commercial lenders, you will learn the five key checkpoints for interpreting the cash flow statement, how to analyze specific sources and uses of cash, how to use your cash flow analysis worksheet to make better loan decisions, and how this process works with a cash flow statement. Financial Accounting Financial Accounting: Understanding the Accounting Cycle 120 minute tutorial CBA 1.25 As a lender, you use financial statements to gauge a company's creditworthiness and its ability to repay a loan. In this course, intended for trainees, commercial lenders, and branch managers, you will learn how to recognize the role of accounting in business, determine the general framework of the accounting process, demonstrate the basic accounting equation and expand that equation, and identify the importance of internal control Financial Accounting: The Basic Financial Statements 120 minute tutorial CBA 2.50 This course, intended for all credit analysts and loan personnel of financial institutions, especially trainees, commercial lenders, and branch managers, examines the differences between cash-based and accrual-based accounting, how to make adjusting and closing entries to accounts, the income statement and the balance sheet, and what comprises the accountant's opinion letter and footnotes to the financial statements Financial Accounting: GAAP and Asset Recognition 120 minute tutorial CBA 2.50 This course, intended for commercial lenders and branch managers, addresses the basics of Generally Accepted Accounting Principles (GAAP), when and how much revenue or expenses are recognized on the income statement, and how accounting methods relate to major current and noncurrent assets on the balance sheet Financial Accounting: GAAP, Liabilities and Stockholders' Equity 150 minute tutorial CBA 2.50 This course, intended for all credit analysts and loan personnel of financial institutions, especially trainees, commercial lenders, and branch managers, will help you to recognize the basics of Generally Accepted Accounting Principles (GAAP), when and how to account for the major current and long-term liabilities on the balance sheet, how to account for changes in stockholders' (owners') equity, and the limitations of a financial statement. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 28

29 Lending Laws and Regulations Predatory Lending Predatory Lending Awareness CLBB 0.75 This course, intended for all lending personnel, will help you to differentiate between good subprime lending and predatory lending, determine the risks predatory lending poses to financial institutions, recognize how to help your financial institution avoid predatory lending, and identify the most common predatory lending practices. FDCPA Fair Debt Collection Practices Act CRCM CLBB 0.75 This course, designed for lending personnel, provides a firm understanding of the purpose of the FDCPA and addresses which behaviors are deemed acceptable and unacceptable by debt collectors. Regulation M Reg M: Rules for Consumer Leasing In this course, designed for personnel who handle consumer leases, you'll learn how to determine whether Regulation M applies, when to provide the appropriate disclosures, what information needs to be in the disclosures, and which lease terms are restricted and how. Bankruptcy Bankruptcy and Consumer Loans 90 minute tutorial This course, designed for anyone involved in consumer loans, is designed to provide the learner with information on Chapter 7 and Chapter 13 bankruptcy, focusing on the steps lenders can take to minimize losses due to bankruptcy. Major topics include voluntary and involuntary bankruptcy petitions, the qualifications for Chapter 7 and Chapter 13 bankruptcy, the importance of filing a petition, how creditors prepare for the creditors' meeting, the responsibilities of the parties involved in a bankruptcy case, the repayment plan, and the concept of discharge. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 29

30 Lending Laws and Regulations Mortgage Lending Underwriting Residential Mortgage Loans 45 minute tutorial This course, recommended for lending personnel, is designed to provide the general guidelines of the underwriting process. Upon completing this course, the learner will be able to recognize the laws that affect underwriting, determine how the secondary mortgage market affects the availability of funds for mortgage loans, identify the process for underwriting mortgage loans, and recognize the role that technology plays in underwriting mortgage loans Laws and Regulations for Mortgage Lending 45 minute tutorial CRCM 1.00 Upon completion of this course, recommended for mortgage lenders, learners will be able to identify the history and purpose of major laws and regulations which concern residential mortgage lending. Learners will also be able to recognize lender requirements and best practices when providing disclosures and notification to applicants Basics of Residential Mortgage Loans 60 minute tutorial CRCM 1.25 This course, recommended for mortgage lenders, introduces employees to basic principles and terms found in residential mortgage lending. It outlines the initial steps of the mortgage process and provides information on the categories of residential mortgage loans, such as government-insured loans and conventional mortgage loans. It also defines the different types of mortgage loan products and key mortgage documents like mortgages, deeds of trust, promissory notes, loan applications, and disclosures. Learners will also discover the various costs associated with purchasing a home and obtaining a residential mortgage loan, as well as how to do necessary calculations and determine amortization amounts The Mortgage Lending Process 60 minute tutorial Upon completion of this course, recommended for all mortgage lending personnel, employees will be able to identify key features of a loan application and determine which types of documentation must be collected after an application is received. Also, employees will learn the two parts of the underwriting process, including how to calculate the Debt-to-Income ratio. Rounding out the last steps of the mortgage lending process, employees will learn proper loan closing procedures and recognize a lender s responsibilities for loan servicing Helping Borrowers Avoid Scams During Foreclosure This course, recommended for mortgage lenders and other employees involved in the foreclosure process, is designed to provide you with information on the various foreclosure scams that borrowers facing foreclosure face, and the ways in which you can help them avoid the scam artists who prey on their vulnerabilities. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 30

31 Lending Laws and Regulations Assessing Your Mortgage Loan Foreclosure Process This course, recommended for mortgage lenders and other employees involved in the foreclosure process, will explain the importance of self-assessments, examine the six foreclosure management standards identified by the OCC that your financial institutions should include in its self-assessment, and identify some of the key issues involved with third-party vendors. RESPA RML: Complying with the Real Estate Settlement Procedures Act CRCM 1.25 This course, recommended for lending personnel, provides an overview of the Real Estate Settlement Procedures Act. After describing the purpose of RESPA, it outlines the procedures that lenders must follow and the information that lenders must provide to applicants. It also provides examples of common RESPA violations and types of mortgages that are exempt from RESPA RESPA: An Introduction and Applicability 15 minute tutorial This RESPA course, recommended for consumer loan personnel, provides a quick introduction to RESPA. It explains when RESPA applies to a loan and outlines the exceptions to RESPA's coverage RESPA: Key Disclosures and Procedures 45 minute tutorial CRCM 1.25 This course, recommended for loan application personnel, discusses key disclosures required by RESPA. It provides the details and purpose of the Loan Estimate and the Good Faith Estimate (GFE); demonstrates how to use the Home Loan Toolkit; and outlines how to prepare the Closing Disclosure and HUD-1/1A. It also outlines additional disclosures and requirements under RESPA RESPA: Mortgage Loan Servicing 90 minute tutorial CRCM 2.00 This course, intended for mortgage loan servicers and supervisors, explains the RESPA and Regulation Z rules that pertain to loan servicing, including force-placed insurance, error resolution, loss mitigation procedures, and payments and periodic statements. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 31

32 Lending Laws and Regulations Marketing Marketing: Understanding the Regulations 105 minute tutorial This course, intended for marketing personnel and management, addresses the basics of advertising; requirements for signage and solicitations in the lobby, by telephone, by electronic means, and by direct mail; provisions for triggering terms; rules that affect lending and credit card advertisements; and consumer protection rules, such as FCRA and UDAAP. SAFE Act SAFE Act: Required Policy and Procedure 60 minute tutorial CRCM 1.00 This course, recommended for mortgage lending staff and compliance officers, addresses the purpose of the SAFE Act and what it requires of MLOs and financial institutions, and the registration and renewal steps for MLOs. Mortgage Fraud Detecting Mortgage Fraud: The Red Flags 60 minute tutorial CRCM 1.25 Designed especially for lending and compliance personnel, this course will educate these staff members on how to prevent mortgage fraud through the recognition of red flags. In addition, learners will be able to identify common mortgage fraud schemes and mechanisms used for fraud. HMDA HMDA: Basic Information CRCM 1.00 This course, recommended for mortgage loan personnel, looks at the basic issues surrounding HMDA, including the rationale for the law, how to determine whether HMDA affects your financial institution, and the kinds of information covered financial institutions must collect HMDA: Basic Compliance CRCM 1.25 This course, recommended for mortgage lending personnel, focuses on compliance issues surrounding the Home Mortgage Disclosure Act (HMDA). Specifically, it lists the information that institutions must collect, describes the procedure to complete the Loan Application Register, and details the information that institutions must make public. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 32

33 Lending Laws and Regulations HMDA: Loan Application Scenarios CRCM 1.00 In this interactive course, intended mortgage lending staff, especially those responsible for filling out the Loan Application Register (LAR), learners will apply their HMDA training by examining four different hypothetical situations that an MLO might face and use this information in completing a mock LAR B HMDA: Enhanced Reporting Requirements Designed for compliance officers, mortgage lenders, and fair lending officers, this interactive course covers the HMDA rule changes. These changes, which were required by the Dodd-Frank Act, affect the types of financial institutions subject to the regulation, the types of data institutions must collect and report, and the process for reporting and disclosing HMDA data. This engaging learning experience features high-impact audio (optional), targeted video, interactive learning activities, and scenario-based challenges. Integrated Disclosures 31470B TILA-RESPA Integrated Disclosures 60 minute tutorial This interactive course, intended for individuals responsible for ensuring the compliant use of the Loan Estimate and Closing Disclosure, highlights key aspects of the disclosures, their timing requirements, and the processes that need attention to successfully implement and maintain compliance. This engaging learning experience features high-impact audio (optional) and video, interactive learning activities, scenario-based challenges, as well as a Fast Track option for experienced learners B Mortgage Origination: The Loan Estimate 20 minute tutorial This interactive course, intended for individuals responsible for discussing and/or completing Loan Estimate forms, provides an overview of the Loan Estimate, its key fields and timing requirements, and its impact on the Closing Disclosure. This engaging learning experience features high-impact audio (optional) and video, interactive learning activities, and scenario-based challenges B Mortgage Closing: The Closing Disclosure 20 minute tutorial This interactive course, intended for individuals responsible for discussing and/or completing Closing Disclosure forms, provides an overview of the Closing Disclosure, its key fields and timing requirements, and its relation to the Loan Estimate. This engaging learning experience features: high-impact audio (optional) and video, interactive learning activities, and scenario-based challenges. B A I L E N D I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 33

34 FINANCIAL INSTITUTION ACTIVITIES

35 Financial Institution Activities General New Account Skills 1318 Opening Deposit Accounts: Reducing Risk 22 minute tutorial This video, recommended for new account representatives, covers five topics that impact the opening deposit account process: Customer Identification Program (CIP), FDIC Insurance, BSA Reporting Requirements, Taxpayer Identification Numbers (TINs) and required tax forms Opening Deposit Accounts: Explaining Rules and Procedures 25 minute tutorial This video, recommended for new account representatives, covers six topics affecting deposit accounts and transactions: Reg CC, Reg E, Reg D, The Truth in Savings Act, Privacy of Consumer Financial Information (Reg P) and the regulatory signs or notices your institution is required to display New Account Orientation: Regs and Liability Prevention 60 minute tutorial In this course, intended for new account representatives and new account supervisors, you will learn how the Fair Credit Reporting Act governs institutions, Bank Secrecy Act requirements and when to complete a Currency Transaction Report, what violates the Right to Financial Privacy Act, how to reply to loan inquiries, what Reg O is and how it applies, and what the Bank Bribery Statute is and how it applies New Account Orientation: Regulatory Signage 60 minute tutorial CRCM 2.00 In this course, intended for new accounts representatives and new accounts supervisors, you will learn how to determine what the FDIC covers and the required signs, recognize the purpose of HMDA and the required signs, identify the purpose of CRA and the required notices, and recognize the Fair Housing Act and the required posters New Account Orientation: Reg and Disclosures 150 minute tutorial CRCM 3.00 In this course, intended for new accounts representatives and new accounts supervisors, you will learn the importance of disclosures, disclosures required under the Truth in Savings Act, the requirements of the Expedited Funds Availability Act, the disclosures required for IRS reporting, the requirements of Reg D, and required disclosures under Reg E. B A I F I N A N C I A L I N S T I T U T I O N A C T I V I T I E S L E A R N B A I. O R G 35

36 Financial Institution Activities New Account Fraud Prevention 120 minute tutorial In this course, recommended for frontline personnel and their supervisors, you ll learn how to recognize the different types of account fraud schemes, determine six steps for detecting fraud in a new account interview, and indicate how to list applicant identification documents and standards for acceptance. You will also learn how to analyze suspicious applicant behavior, understand the decision-making process for opening an account and how to identify fraud prevention methods used in electronic account opening. Additionally, you ll become familiar with how to verify an applicant s signature and information gathered from ID documents during the account interview. General Teller Skills Teller Success: Money Handling In this course, recommended tellers and teller supervisors, employees will learn to recognize the physical components of U.S. coin and currency, how to detect altered and counterfeit currency, guidelines for setting up and securing a money drawer, and the necessary steps for receiving or paying out money Teller Success: Negotiable Instruments 60 minute tutorial In this course, recommended tellers and teller supervisors, employees will learn to recognize the different types of negotiable instruments and endorsements. Employees will also learn the guidelines for requiring identification from individuals and detecting check fraud Teller Orientation: Regulatory Signage 90 minute tutorial CRCM 2.00 This course, recommended for tellers and teller supervisors, addresses what is covered by the FDIC, required disclosure signs, the components of a HMDA Notice, what comprises a CRA Notice, and the purpose of the Fair Housing Act and its required posters Teller Orientation: Regs and Disclosures 90 minute tutorial CRCM 2.00 This course, recommended for tellers and teller supervisors, teaches about various regulations and their disclosure requirements. This program covers the Truth in Savings Act, the Expedited Funds Availability Act, Reg D, Reg E, and IRS reporting. B A I F I N A N C I A L I N S T I T U T I O N A C T I V I T I E S L E A R N B A I. O R G 36

37 Financial Institution Activities Teller Orientation: Regs and Liability Prevention 60 minute tutorial CRCM 2.00 This course provides tellers and their supervisors with an overview of various regulations, and focuses on how to prevent regulatory liability. This course addresses the purpose of the Fair Credit Reporting Act and how it governs institutions, when to use a Currency Transaction Report (CTR), the Right to Financial Privacy Act and how it may be violated, Fair Lending and Truth in Lending pitfalls, the purpose and coverage of Regulation O, and the Code of Ethics and what it prohibits Teller Operations: Endorsements This course, intended for tellers and teller supervisors, addresses the terminology and guidelines for check endorsement, the different types of payees and endorsers, common endorsement types and how to handle them, and the difference between a conditional and qualified endorsement Teller Operations: Identification This course, intended for tellers and teller supervisors, addresses what transactions require verification of identification, the types of acceptable identification, and the guidelines for verifying and recording identity information Check Fraud Prevention 90 minute tutorial This course, recommended for any employees who handle checks, will help you detect check fraud schemes and show you techniques to prevent them. You will learn the parts of a check and their functions, and you will also recognize signs of criminal behavior during an attempt to pass fraudulent checks Balancing Daily Transactions 75 minute tutorial This course will help tellers balance accurately and explains how to detect and prevent differences. Key topics include balancing and why it is important to financial institutions, the internal and external controls of the balancing process, difference reconciliation and the common errors that may result, how balancing errors are resolved, and techniques commonly employed to minimize cash transaction errors. B A I F I N A N C I A L I N S T I T U T I O N A C T I V I T I E S L E A R N B A I. O R G 37

38 Financial Institution Activities Customer Service Teller Success: Customer Priority 60 minute tutorial This course, recommended for tellers and teller supervisors, will teach ways to meet customer needs by using effective communication skills and recognizing how to meet customer needs through a variety of loans provided to individuals and businesses. You'll also determine how to keep the customer's information confidential and distinguish how to enhance the professional image and performance through product and service knowledge. Sales Tellers: Cross-Selling... A Customer Service Skill In this course, intended for tellers and teller supervisors, you will learn how to identify cross-selling as a customer service skill, recognize the six steps to effective cross-selling on the teller line, determine the step-by-step instructions for effectively overcoming objections, and indicate the product-service benefits that may appeal to a variety of customers with different needs The Key Essentials to Selling 60 minute tutorial In this course, intended for all front-line employees, you will learn the importance of building rapport, the necessity of probing and confirming needs, the importance of communicating the benefits of a product or service as a solution, and how to close or gain commitment The Key Essentials of Advanced Selling: A Coaching and Training Tool 60 minute tutorial This course, intended for all front-line employees, addresses the importance of self-image in selling, how to successfully sell a relationship, ways to build credibility, and the 10 secrets of advanced sales success Cross-Selling: Successful Customer Relations This course, recommended for all employees who have regular contact with customers, will help you sharpen your listening skills to uncover clues and build customer relationships, utilize product knowledge to match customer needs with the appropriate products and services, recognize how to complete the selling process, and identify common selling opportunities to arise in your daily job. B A I F I N A N C I A L I N S T I T U T I O N A C T I V I T I E S L E A R N B A I. O R G 38

39 Financial Institution Activities Building a Foundation for Successful Sales 90 minute tutorial This course, designed for all front-line employees, highlights the changing nature of financial sales and how financial selling differs from other types of selling. It identifies three basic characteristics of sales professionals, explains why a professional appearance is critical, illustrates why sales efforts benefit both the financial institution and its consumers, and outlines the six basic steps of the sales process Sales: Asking for the Business 45 minute tutorial Written for all financial services employees, this course addresses why some financial professionals are reluctant to ask for the sale, and also identifies the guidelines for asking for the sale. This course describes techniques for gaining commitment and nonverbal behaviors that can indicate an interest to buy. In that same vein, this course also helps you to see the importance of avoiding overselling. General Banking Knowledge Banking: An Introduction 90 minute tutorial CBA 1.00 In this course, intended for new hires, you will learn what a financial institution is, what the primary types of financial institutions are, how financial institutions make money, the evolution of banking, and your role in the bank Banking: Products and Services 120 minute tutorial This course, intended for new hires and front-line personnel, addresses a financial institution's three primary services, deposit products and services, loan products and services, payment products and services, and specialized financial services Banking: Organization and Regulation 60 minute tutorial CBA 1.00 This course, intended for new hires and front-line personnel, explains how banks are organized, the legal structure of banking, and the regulatory agencies that are involved in banking. B A I F I N A N C I A L I N S T I T U T I O N A C T I V I T I E S L E A R N B A I. O R G 39

40 Financial Institution Activities Retail Banking Basics 180 minute tutorial Every employee needs to know how financial institutions meet customer needs. This course will help all new hires identify four common categories of financial needs and determine the major features and benefits of savings accounts, checking accounts, and Certificates of Deposit. Additionally this course will enable you to differentiate among Traditional IRAs, Roth IRAs, Coverdell Educational Savings Accounts, Keoghs, SEPs, and SIMPLES, identify four categories of loans, and recognize the six categories of electronic banking services Deposit Account Fundamentals 195 minute tutorial This course, recommended for front-line employees and their supervisors, delves into the variety of deposit accounts available from financial institutions today and explores the features and benefits of each. This course will teach you to differentiate between the various characteristics of deposit accounts, as well as identify the features and benefits of the deposit accounts. Learn more about distinguishing between various types of account ownership, differentiate between simple and compound interest and tiered rate structures, and distinguish between the various types of account ownership. Additionally, you ll determine how to counsel customers regarding various types of investments and identify the various steps in opening deposit accounts Introduction to Checks 90 minute tutorial This course will help all frontline personnel understand the definition of a check and how it works as a medium of exchange. After completing this course, you ll also be able to identify the essential elements of a check, recognize the six basic types of checks, and identify the check-clearing process and any exceptions that may arise Decedent Accounts 75 minute tutorial This course, recommended for new accounts representatives, addresses the complex issues surrounding the proper handling of an account upon the depositor s death. This course identifies decedent accounts and describes the account representative's responsibilities. It also describes the types of decedent estates and how state and federal taxes affect these estates and accounts. Finally, the course outlines the various forms and procedures needed for closing a decedent account or transferring its funds to another account. B A I F I N A N C I A L I N S T I T U T I O N A C T I V I T I E S L E A R N B A I. O R G 40

41 Financial Institution Activities Business Banking Solutions 150 minute tutorial This course, recommended for employees who work with business customers, outlines the four major groups of solution services provided to business customers by financial institutions. By exploring cash management solutions, you can help your customers better manage their finances. Investment solutions are ways you can help business customers invest their resources to generate additional capital and income. With credit solutions, you can help customers apply, obtain, and administer credit, while merchant solutions are ways you can better educate merchant clients with optimizing payment receipts from their customers New Hire: Game Show! Reinforcement is a key component for learning retention on the job. The New Hire Game show is specifically designed to reinforce general banking knowledge acquired through the new hire training process. Specially built for classroom or single user settings, ths "Who Wants to Be a Millionaire?" style course was developed to test employee knowledge regarding all facets of New Hire training, with questions on topics ranging from money handling to financial institution organization and regulation. This course also includes an instructional guide and printable scoring sheets for the host to help conduct the classroom session. Safe Deposit Boxes Safe Deposit Boxes: Opening Procedures 60 minute tutorial This course, intended for tellers, operations clerks, secretaries, and account managers, addresses your role as a custodian, the various types of safe deposit agreements, how to handle various customer interactions, and how you should assist customers to access their safe deposit box Safe Deposit Boxes: Daily Routines This course, intended for tellers, operations clerks, secretaries, and account managers, examines proper procedures when visiting a safe deposit box, how to handle adverse claims and lost keys, what to do if nonpayment of a box rental occurs, how to terminate an account, and additional tips for handling a safe deposit box. Telephone Skills Customer Service: Telephone Excellence This course, designed for all employees who interact directly with customers, illustrates the importance of developing effective telephone skills and covers the following: components of the message we communicate on the telephone, the model for an effective telephone exchange, general telephone activities, and techniques for handling difficult calls. B A I F I N A N C I A L I N S T I T U T I O N A C T I V I T I E S L E A R N B A I. O R G 41

42 Financial Institution Activities Business Writing Writing Skills for Bankers 165 minute tutorial Writing clearly and effectively is a skill all financial institution employees must possess. Students using this program will enhance their ability to write by learning to identify the reader's needs; to approach writing as a multi-stage process; and to write in the informational, persuasive, reporting, and documenting modes. B A I F I N A N C I A L I N S T I T U T I O N A C T I V I T I E S L E A R N B A I. O R G 42

43 CORPORATE COMPLIANCE LAWS AND REGULATIONS

44 Corporate Compliance Laws and Regulations Regulation O Reg O: An Overview CRCM CLBB 0.75 Regulation O was designed to address situations where you extend credit to certain executives, directors, and principal shareholders of your financial institution in order to prevent these kinds of people from using their positions to get extra-favorable credit terms. In this course, intended for new hires and anyone else affected by the regulation, you will learn how to recognize how Regulation O originated, and determine the purpose of Regulation O Reg O: How to Comply 60 minute tutorial CRCM CLBB 1.25 Do you know which people in your financial institutions are 'insiders?' In order to understand exactly who is affected by Regulation O, you need to in order to avoid Reg O violations. In this course, intended for new hires and any employee exposed to this regulation, you will learn how to identify who is affected by Reg O, determine what the regulation prohibits, and recognize how Reg O affects affiliate and correspondent banks Reg O: Avoid Violations CRCM CLBB 1.25 Reg O is designed to eliminate 'preferential' credit extensions. Many Reg O violations occur because loan officers to not understand all that is included under 'credit extensions.' In this course, intended for new hires and any employee exposed to this regulation, you will learn how to determine how to avoid Reg O violations, identify Reg O reporting requirements, and recognize the penalties for non-compliance Reg LL: Regulations Governing Savings and Loan Holding Companies 15 minute tutorial Regulation O was designed to address situations where you extend credit to certain executives, directors, and principal shareholders of your financial institution in order to prevent these kinds of people from using their positions to get extra-favorable credit terms. In this course, intended for new hires and anyone else affected by the regulation, you will learn how to recognize how Regulation O originated, and determine the purpose of Regulation O. Disaster Recovery Disaster Recovery 90 minute tutorial Any significant disruption of the activities of one or more units of a financial institution can be costly in many ways. This course, intended for compliance officers and senior management, addresses why a disaster plan is necessary, how to develop the plan, key elements to consider for the plan, how to write the plan, and how to properly test the plan. B A I C O R P O R A T E C O M P L I A N C E L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 44

45 Corporate Compliance Laws and Regulations Pandemic Planning In this course, designed for management personnel responsible for designing disaster preparation plans, users will explore the issues involved with designing a pandemic plan including describing the purpose of pandemic preparation, summarizing the issues that need to be considered when developing your financial institution's pandemic plan, and identifying potential obstacles to implementing your financi institution's pandemic plan. Security Bank Security - General Principles CFSSP CRCM 0.75 All financial institutions are targets for criminals simply because financial institutions specialize in handling money and other valuables. From robberies, to embezzlement, hostage situations, and even terrorist attacks, financial institutions are often targeted for these and other crimes. A solid security plan is crucial to thwarting these attacks and helps your employees follow the proper procedures in a time of crisis. In this course, intended for security, management, and any other employee involved with developing and implementing security procedures, you will learn how to summarize the minimum features that must be included in the financial institution's security program, describe some of the more salient issues that your financial institution's security program should address, and identify the general principles that should guide any security incident response Bank Security - Operating Procedures 45 minute tutorial CFSSP CRCM 1.25 While your specific financial institution will train you on the exact procedures that you should follow as detailed in the financial institution's security plan, there are general security principles that underlie these procedures that you need to consider. In this course, intended for tellers, front-line employees, and anyone involved in implementing security procedures, you will learn how to explain what the concept of "dual control" means and how it applies to the security of the financial institution, recognize proper general procedures for opening and closing a branch location, identify common daily security threats and how to guard against them Robbery Training - An Overview 45 minute tutorial CFSSP CRCM 0.75 This course, intended for front-line employees, compliance officers, security personnel and senior management, will help you to identify procedures that you can take to prevent robberies. It also addresses the procedures financial employees should take during a robbery, and lists the steps that financial employees follow after a robbery. B A I C O R P O R A T E C O M P L I A N C E L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 45

46 Corporate Compliance Laws and Regulations Preventing Embezzlement 20 minute tutorial This course, intended for frontline employees, compliance officers, security personnel, and senior management, will help you to prevent embezzlement schemes by describing the various kinds of embezzlements that can occur and the kinds of employees most likely to attempt them Comprehensive Robbery Training 90 minute tutorial CFSSP 2.00 This course, recommended for all employees, describes measures that can prevent robberies, actions to take during a robbery and the five essential post-robbery actions. Students will learn the characteristics of the three types of robberies and the five general description categories that should be observed of a suspect during a robbery. Assorted Regulations Reg U: In Detail CRCM CLBB 0.75 In this course, intended for lending personnel and compliance officers, you will learn the purpose of Reg U, the general requirements of Reg U, the definition of special purpose loans, and what exempt transactions are Regulation I: Issue and Cancellation of Federal Reserve Bank Capital Stock 10 minute tutorial This compliance brief provides an outline of the procedures and requirements for Fed member banks that wish to purchase or redeem Federal Reserve Bank capital stock Regulation L: Management Official Interlocks 10 minute tutorial This compliance brief outlines the conditions under which a management official of a depository organization may or may not act simultaneously as a management official of an unaffiliated depository organization Reg EE: Netting Eligibility for Financial Institutions 10 minute tutorial This compliance brief outlines the conditions under which an individual may be considered a financial institution, and is therefore able to take advantage of the netting provisions described in the Federal Deposit Insurance Corporation Improvement Act of B A I C O R P O R A T E C O M P L I A N C E L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 46

47 Corporate Compliance Laws and Regulations Regulation J: Collection of Checks and Other Items by Federal Reserve Banks 10 minute tutorial This compliance brief outlines the rules and procedures depository institutions must follow in order to collect, return, and settle balances through the Federal Reserve System Regulation N: Relations with Foreign Banks and Bankers 10 minute tutorial This compliance brief summarizes the restrictions and limitations placed upon Federal Reserve Banks wishing to do business with foreign banks or bankers Regulation X: Borrowers of Securities Credit 10 minute tutorial This compliance brief discusses the restrictions the Federal Reserve places on borrowers of purpose credit Regulation A: Extension of Credit by Federal Reserve Banks 10 minute tutorial This compliance brief discusses the conditions and means by which a Federal Reserve Bank may extend credit to depository institutions and other entities Regulation F: Limitations on Interbank Liabilities 10 minute tutorial This compliance brief discusses the Federal Reserve's rules regarding evaluations, controls, and limits with respect to correspondent exposure Regulation K: International Banking Operations 10 minute tutorial This compliance brief discusses the rules by which bank holding companies must abide with respect to mergers and acquisitions, permissible nonbanking activities, and qualifications for becoming a financial holding company Reg Y: Bank Holding Companies and Change in Bank Control 10 minute tutorial This compliance brief discusses the rules by which bank holding companies must abide with respect to mergers and acquisitions, permissible nonbanking activities, and qualifications for becoming a financial holding company. B A I C O R P O R A T E C O M P L I A N C E L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 47

48 Corporate Compliance Laws and Regulations Reg MM: Regulations Governing Savings and Loan Holding Companies in Mutual Form 10 minute tutorial This compliance brief discusses the acquisition of control of savings associations by companies and individuals, the activities in which savings and loan holding companies may engage, the procedures for securing approval for these transactions and activities, and the procedures under which directors and executive officers may be appointed or employed by savings and loan holding companies in certain circumstances CB Regulation S: Reimbursement for Providing Financial Records 10 minute tutorial This compliance brief discusses the dollar amounts and procedures for procuring repayment for a bank's cooperation with a governmental agency in accordance with the Right to Financial Privacy Act. Regulation W Reg W: An In-Depth Look 60 minute tutorial CRCM 1.25 This course, intended for directors, management, loan and investment officers, and audit staff, presents a general overview of Reg W. It explains what types of transactions are subject to Reg W, what the general provisions of Section 23A, exemptions to Section 23A, and how to apply Section 23B and other provisions Reg W: Basic Concepts 15 minute tutorial Need a simplified understanding of Reg W for your employees? Upon completion of this course, recommended for HR, retail, and lending staff, you will be able to identify why Reg W exists and who must comply. In addition, yu'll be able to define affiliates, and demonstrate an understanding of Section 23(a) and Section 23(b) provisions. Anti-Tying Anti-Tying: Essentials for Lending and New Accounts Designed with the needs of frontline employees such as lending personnel in mind, this course offers a broad overview of the anti-tying provisions introduced by the Bank Holding Company Act. Through exposure to the regulation-specific concepts and their practical applications, employees will learn how to recognize the concept of tying, determine why some tying arrangements are permitted, while others are prohibited, and recognize the importance of learning and following your institution's anti-tying policies and procedures. B A I C O R P O R A T E C O M P L I A N C E L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 48

49 Corporate Compliance Laws and Regulations Reg R Regulation R: Understanding the Exceptions How does Reg R affect your financial institution? Use this course, recommended for compliance officers and any employees who work in securities, to understand the purpose of Reg R and to identify which exemptions and exceptions your institution may choose to rely on to perform basic transactions without registering as a broker-dealer. Directors: Compliance Topics Board of Directors: An Introduction 15 minute tutorial This course is designed for new board members, or board members who may need a refresher about their role in bank operations. Upon completion of this course, board members will be able to identify the eligibility requirements for board members, and they'll determine how an individual becomes a board member. In addition, they'll be able to explain the importance of the supervisory committee and recognize the six fiduciary duties of bank boards of directors Board of Directors: General Direction and Control 10 minute tutorial Upon completion of this course, board members will be able to identify ways a bank board of director may stay informed, determine how a board member may closely coordinate with management, and demonstrate how to monitor a bank's management Board of Directors: Ensuring Safety and Soundness 15 minute tutorial Upon completion of this course, board members will be able to determine how a board member can ensure safety and soundness, understand the ramifications of a regulatory infraction, determine how a director can reduce regulatory concerns, identify the six categories of risk, and analyze the potential legal liabilities of directorship Board of Directors: Practicing Impartial Administration 15 minute tutorial Upon completion of this course, board members will be able to determine how to avoid preferential transactions, recognize how to identify insiders, and understand why transactions with insiders must be fully documented. B A I C O R P O R A T E C O M P L I A N C E L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 49

50 Corporate Compliance Laws and Regulations Board of Directors: Basic Finance and Accounting Practices Upon completion of this course, board members will be able to understand why a board member should have a basic knowledge of accounting practices, analyze the items on a balance sheet and income statement, indicate the differences between the balance sheet and income statement, identify which line items are risks which may lead to financial loss, and demonstrate how to ask financial questions of management and auditors Board of Directors: Regulatory Overview for Directors 20 minute tutorial Upon completion of this course, board members will be able to identify which laws and regulations apply to banks, including BSA, Reg B, and Reg Z, recognize how much a board member should know about applicable regulations, determine where to find regulatory update information and resources, understand how a credit union should update policies and procedures based on amended regulations, and identify how often the board should approve updated policies and procedures Board of Directors: Comprehension Test 10 minute tutorial Take the test within this course to record your understanding of the duties and responsibilities of a financial institution director. You may want to take the other Board of Directors courses before taking this test to ensure a passing score. The Board of Directors courses are 20341, 20342, 20343, 20344, 20345, Records Retention Federal Records Retention Requirements for Banks 45 minute tutorial CRCM CSOP 0.75 This course serves as your one-stop shop for understanding federal records retention requirements. Upon completion of this course, recommended for management and board members, learners will recognize when records must be retained, the duration of retention, and exactly which types of documentation must be retained. They will also understand the required elements and key players of a records management program. Vendor Management Vendor Management 45 minute tutorial CRCM CSOP 0.75 Vendors are a valuable asset to financial institutions, but they are not without risk. This course, recommended for employees who have contact with third-party vendors, defines vendors and the types of services they provide. It also outlines the procedures for designing a request for proposal and contract, and it describes the types of risks associated with vendors. B A I C O R P O R A T E C O M P L I A N C E L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 50

51 Corporate Compliance Laws and Regulations Ethics 20202CS Ethics: Policy and Personal Judgment for Customer Service Ethics violations always command a media spotlight. Learn why an ethics policy exists and how to judge individual circumstances to determine the best course of action to follow. This course, tailored to customer service personnel, provides a review of the Bank Bribery Act, establishes why an ethics policy is needed, and describes standards of conduct for ethical behavior LEN Ethics: Policy and Personal Judgment for Lenders Ethics violations always command a media spotlight. Learn why ethical policies exist and how to judge individual circumstances to determine the best course of action to follow. This course, tailored to lenders, also provides a review of the Bank Bribery Act, several real-life, scenarios and an easily remembered 'Ultimate Ethical Test MGT Ethics: Policy and Personal Judgment for Managers CBA CRP 1.00 This course, tailored to management personnel, will help you determine the need for an ethics policy, and identify the key elements of an ethics policy. You'll also be able to indicate standards of conduct for ethical behavior and recognize components of the Bank Bribery Act of This course provides several real-life scenarios and an easily remembered 'Ultimate Ethical Test TEL Ethics: Policy and Personal Judgment for Tellers This course, intended for tellers and teller supervisors, addresses why ethical policies exist, standards of conduct for ethical behavior, and the purpose of the Bank Bribery Act of B A I C O R P O R A T E C O M P L I A N C E L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 51

52 BSA / ANTI-MONEY LAUNDERING LAWS AND REGULATIONS

53 BSA / Anti-Money Laundering Laws and Regulations The Bank Secrecy Act and Anti Money Laundering 1246 CTR: How to Complete 20 minute tutorial This video, recommended for all employees responsible for completing Currency Transaction Reports (CTRs), informs users on the purpose and objective of the Currency Transaction Report, how and when to complete a CTR, and outlines typical transactions that would require a CTR BSA: How to Comply 45 minute tutorial CFSSP CRCM CSOP 1.25 This BSA course, recommended for teller supervisors, branch managers, auditors, staff trainers, compliance officers, and anyone involved in CTRs, covers Parts I-III of the CTR. This course will teach you to determine which transactions require a CTR, to complete the CTR, including required information, and to identify scenarios that may warrant the completion of a Suspicious Activity Report (SAR) BSA: Exemptions and Customer Identification AMLP 0.50 This course, recommended for front-line employees who handle cash, BSA officers, compliance officers, and appropriate audit staff, covers the Bank Secrecy Act as it relates to the exemption system and the Customer Identification Program. Employees will learn what the exemption system is and why it exists, what procedures must be followed with exempt accounts, which businesses may never be exempt as well as why it is so crucial to properly identify customers BSA: Wire Transfers and Recordkeeping Requirements AMLP 0.50 This course, recommended for any personnel involved in funds transfers, covers the rules and exceptions will help your institution play a key role in the prevention of money laundering. It also addresses how rules differ for established and non-established customers, how the rules differ for transactions involving an originator and beneficiary bank and how long records must be maintained BSA and AML: An In-Depth Look 90 minute tutorial CFSSP CRCM CSOP CLBB CFMP CTFA-FID CCTS CISP CRSP 1.25 This interactive program, appropriate for employees needing an in-depth knowledge of BSA, introduces the concept of money laundering and details how BSA regulations and requirements work to deter it. Currency Transaction Reporting (CTR), Suspicious Activity Reporting (SAR), the basic elements of a Customer Identification Program (CIP), penalties for noncompliance, as well as rules for negotiable instruments and wire transfers are all covered in this in-depth look at BSA and AML. B A I B S A / A N T I - M O N E Y L A U N D E R I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 53

54 BSA / Anti-Money Laundering Laws and Regulations BSA/AML: The Basics 45 minute tutorial This course, designed for personnel needing a basic understanding of BSA, gives a brief overview of the Bank Secrecy Act (BSA) including background on CIP, CTR, and SAR as well as penalties for non-compliance with BSA BSA: Money Services Businesses Money Services Businesses (MSBs) serve individuals without banking relationships who need to cash checks, transmit or receive money (often from other countries), and purchase products such as money orders and traveler's checks, and are thus an exceptionally high risk for money laundering. This course, recommended for supervisors, managers, and compliance officers, will explain the risks behind MSB accounts, differentiate between high- and low-risk MSBs, and provide steps that financial institutions can take to protect themselves from risk BSA Game Show! 45 minute tutorial Use this game show course to liven up BSA and AML training! Specially built for the classroom setting, this Jeopardy-like course was developed to test employee knowledge regarding all facets of BSA and AML compliance, with categories such as Customer Identification Programs, Suspicious Activity Reports, Currency Transaction Reports, as well as job specific categories for Lenders, Operations, and Tellers. This course also includes an instructional guide for the host to help conduct the classroom session, and printable score sheets for students. With questions that utilize applicable employee scenarios, as well as standard procedures, your students will be excited about BSA and AML compliance and daily member interactions! 20204LEN BSA: Responsibilities for Lenders 45 minute tutorial Lenders can play a crucial role in BSA requirements because of their customer contact and knowledge of customer transactions. Become familiar with the appropriate sections of BSA, learn how to identify and report suspicious activity, and familiarize yourself with the penalties for violating the Bank Secrecy Act MGT BSA: Management's Perspective 60 minute tutorial CFSSP CRCM CSOP 0.75 This comprehensive course, intended for management personnel, examines the background and purpose of the Bank Secrecy Act, and identifies the major BSA/AML risk categories upon which management must base a financial institution's BSA compliance program. Additionally, the course also addresses the minimum requirements to which a financial institution BSA compliance program must adhere, and management's role concerning information sharing and Suspicious Activity Reporting. B A I B S A / A N T I - M O N E Y L A U N D E R I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 54

55 BSA / Anti-Money Laundering Laws and Regulations 20204OPS BSA: The Role of Operations 60 minute tutorial In this course, learners will determine how operations and support personnel can best comply with BSA regulations. After providing a brief introduction to the background and purpose of the Act, this course covers such back office essentials as job-specific suspicious activity monitoring guidelines, rules for information sharing with law enforcement and other financial institutions and the various directives for wire transfer recordkeeping requirements TEL BSA: Transaction Procedures for Tellers 45 minute tutorial CRCM 0.75 Today's tellers have the added responsibility of monitoring and reporting cash transactions that may be related to illegal drug trafficking, terrorist activities, illegal gambling and other illicit criminal activities. This course explains the purpose of the Bank Secrecy Act, violations and penalties for non-compliance with the Act, and which transactions require a Currency Transaction Report (CTR). Students will also be able to match the recordkeeping and exemption identification individual requirements to individuals purchasing covered instruments TRS BSA: Trust Department Responsibility The products and services it offers make a financial institution's Trust Department an attractive target for money launderers or even terrorist financers. This course teaches trust department employees the purpose of the Bank Secrecy Act, the importance of risk assessment in BSA compliance, how to follow a Customer Identification Program, and what sorts of suspicious activity to be on the alert for B BSA and AML: Comprehensive 60 minute tutorial This course, recommended for BSA Officers and analysts, provides an in-depth look at BSA compliance, including the four pillars of a BSA program, Suspicious Activity Reporting, Customer Identification Programs, and Currency Transactions Reporting. This engaging learning experience features high-impact audio (optional) and video, interactive learning activities, and scenario-based challenges B BSA and AML: Essentials 60 minute tutorial This interactive course, appropriate for employees needing an overview of the BSA, introduces the concept of money laundering and details how BSA regulations and requirements work to deter it. Currency Transaction Reporting (CTR), Suspicious Activity Reporting (SAR), the basic elements of a Customer Identification Program (CIP), as well as rules for negotiable instruments and wire transfers are all covered in this high-level look at the BSA and AML. This engaging learning experience features high-impact audio (optional) and video; interactive learning activities; and role-specific, scenario-based challenges. B A I B S A / A N T I - M O N E Y L A U N D E R I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 55

56 BSA / Anti-Money Laundering Laws and Regulations OFAC 1286 OFAC: Don't Do Business with Your Enemies 10 minute tutorial This video, recommended for or any staff member in the position to screen any customer or prospect against the OFAC list, addresses the origins of OFAC, transactions affected by OFAC, who must comply with OFAC, and the penalties for noncompliance Understanding OFAC CFSSP CRCM 0.75 This 45-minute course, intended for any staff member in the position to screen any customer or prospect, addresses the basic OFAC requirements, transaction procedures, and compliance. The course is intended for all experience levels and includes audio, role-specific scenarios, and case studies B OFAC: Addressing Risks and Red Flags 40 minute tutorial OFAC: Addressing Risks and Red Flags provides new and experienced financial institution personnel a comprehensive and efficient overview of Office of Foreign Assets Control requirements, risks, transaction procedures, and compliance considerations. This engaging learning experience features: high-impact audio (optional), targeted video, interactive learning activities; and role-specific scenario-based challenges. Suspicious Activity Reports 1296 SAR: Be On Guard 25 minute tutorial This video, recommended for all employees responsible for completing Suspicious Activity Reports (SARs), addresses the importance of filing an accurate SAR, what situations call for the completion of a Suspicious Activity Report, and the parts of the SAR SAR: Be on Guard 60 minute tutorial CFSSP CRCM CSOP 0.75 In this course, intended for new accounts personnel, tellers, customer service representatives, and loan officers, you will learn how to identify different types of suspicious activities, and the five parts of a Suspicious Activity Report. The course also addresses when a Suspicious Activity Report is required to be completed and filed, and how to correctly file a Suspicious Activity Report. B A I B S A / A N T I - M O N E Y L A U N D E R I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 56

57 BSA / Anti-Money Laundering Laws and Regulations 20205LEN SAR: Lender Awareness CRCM CLBB 0.75 Like tellers, lenders have face-to-face contact with customers each day, putting them in a unique position to detect suspicious activity... as long as they know what to look for. Designed with the lenders' specific job functions in mind, this program teaches lenders to recognize suspicious activity and when it is their responsibility to report it. Lenders will also learn the importance of providing complete and accurate information when completing a Suspicious Activity Report and the significance of maintaining strict confidentiality regarding these reports MGT SAR: Management's Involvement 60 minute tutorial As FinCEN becomes increasingly inundated with 'defensively filed' Suspicious Activity Reports, management needs to recognize the importance of filing complete, accurate, and detailed reports. Created with management's responsibilities in mind, this course explains how to establish an institution-wide 'culture of compliance,' offers guidance on what constitutes reportable activities or transactions, covers the various sections of the Suspicious Activity Report, details recordkeeping and confidentiality requirements, and provides true-to-life case-studies for each suspicious activity characterization OPS SAR: Essentials for Operations 60 minute tutorial CFSSP CRCM CSOP 0.75 Although operations personnel seldom interact with the customers they service, their role in detecting suspicious activity is essential. In addition to introducing back office employees to various scams they might encounter, this course covers how to identify suspicious transactions and when you are required to report suspicious activity. This course also helps you to recognize the importance of keeping Suspicious Activity Reports confidential and the importance of providing complete and accurate information when reporting suspicious activity TEL SAR: Tellers on the Alert 45 minute tutorial CRCM 0.75 Given the high volume of customers that tellers serve each day, you can imagine how these employees could easily overlook or ignore suspicious activity. This course familiarizes tellers with the types of financial crimes or unusual transactions they will likely encounter in their daily routine, and how to effectively handle them. Also included is instruction on the purpose and necessity of Suspicious Activity Reports, and the importance of providing accurate accounts and maintaining strict confidentiality. B A I B S A / A N T I - M O N E Y L A U N D E R I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 57

58 BSA / Anti-Money Laundering Laws and Regulations USA PATRIOT Act USA PATRIOT Act 60 minute tutorial CFSSP CRCM 1.25 In this course, intended for all personnel, you will learn how to identify aspects of anti-money laundering programs, the appropriate policies and procedures for handling correspondent and private banking accounts, how to report suspicious activities, and which types of information can be shared USA PATRIOT Act: The Financial Perspective 45 minute tutorial This course is designed for financial institution professionals who need knowledge of the programs and procedural requirements mandated by the passage of the USA PATRIOT Act. Learning objectives include: defining money laundering and the Special Measures Statute to the BSA; recognizing situations that require due diligence; recognizing the main elements of a Customer Identification Program and recognizing the main elements of OFAC compliance. Customer Identification Program CIP: Identity Verification and Compliance 60 minute tutorial CFSSP CRCM CSOP CLBB CFMP CTFA-FID CCTS CISP CRSP 0.75 This course, recommended for new account representatives, lending personnel, account officers, trust officers, safety deposit account personnel, and anyone responsible for opening any new or continuing relationship, examines the importance of proper customer identification procedures, the minimum information you must obtain, the steps necessary for verifying information, what to do when information cannot be verified, the requirements of your Customer Identification Program, and CIP recordkeeping and notice requirements. B A I B S A / A N T I - M O N E Y L A U N D E R I N G L A W S A N D R E G U L A T I O N S L E A R N B A I. O R G 58

59 FINANCIAL PRODUCTS AND SERVICES LAWS & REGULATIONS