bai banking series 2016 · 2020-06-05 · training solutions bai learning & development...

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

OUR NEWCOURSE CATALOG

simplifies assigningtraining and aligns

with new bankregulations.

TABLE OFCONTENTS

HUMAN RESOURCES ISSUES

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

LEGENDCourse Number 20066

Course Title Bank security: an Overview

Course Length 30 minutes

Continuing EducationDesignation & Credit

CFSM | CRCM | 0.75

BAI Center ForCertification

• CRCM | 0.75

Course Description This program examines the importance of security procedures and the minimumsecurity required by regulators and outlines additional security measures.

115 S. LASALLE STREET, SUITE 3300 CHICAGO, IL 60603-3801 • LEARNBAI.ORG

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COMPLIANCE TRAINING SIMPLIFIED

BAI has over 90 years of experience in the financial services industry and is trusted by morethan 1,700 institutions and multiple federal regulatory agencies to provide the mostup-to-date and comprehensive compliance training. Our trusted training solutions aredeveloped by compliance experts, delivered through the easy-to-use BAI Learning Managerand 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 tosuccessfully navigate the latest regulatory compliance challenges.

LEARNINGMANAGER SYSTEM

Aassign and track employee training

Automate reminders and reports

Modify or design your own courses

BANKING SERIESCOURSEWARE

CUSTOMER ANDTECHNICAL SUPPORT

Over 250 interactive, up-to-date onlinecoursesDeveloped by a team of regulatorycompliance experts, including CRCMsand CRPs

Numerous federal regulatory agenciestrain employees with BAI courseware

BAI implementation specialists assist increating and implementing your trainingprogram

Dedicated Relationship Managersensure your program evolves with yourtraining needs

Customer Support Services supportyour use of the Learning Manager


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tions Tools and Resources

BAI customers enjoy complimentary access to L&D Connect®, an online customer communityconnecting peers from more than 1,700 BAI customer organizations. Our webinars,whitepapers and regulatory alerts keep you informed of the latest compliance changesaffecting bankers.

DISCUSSION FORUMS

Where peers in the complianceindustry can connect to one

another and share ideas

WEBINARS & WHITEPAPERS

Addressing hot topics in regulatorycompliance and training REGULATORY ALERTS

Ensure you are aware of newregulatory announcements and key

dates

EXPERT OPINION SERVICE

Receive direct feedback whensubmitting 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


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BAI Learning Manager Additional OfferingsAs the premier training provider, we believe in offering flexible solutions that meet yourbank’s unique training needs. From custom branding and HR integration to in-person trainingmaterials and professional development courses, BAI’s comprehensive solutions can all bedelivered and tracked through one simplified Learning Manager System.

PROFESSIONAL SKILLSCOURSEWARE LIBRARY130+ courses that cover business management,customer relationships and more

VIRTUAL CLASSROOMTrainers can administer courses in multiplelocations and track them in the LearningManager System

COMPLIANCE CLASSROOMTOOLKITSOut-of-the-box in-person trainingsessions on regulatory hot topics likeReg 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 purchaseand our technology team will ensure a seamless integration. Whatever your needs, we canhelp simplify training and prepare your employees to reduce compliance risk.


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tions Continuing Education

Earning and maintaining a professional certification is a valuable asset for both an individualand your organization. More than 70 online courses within the BAI Banking Series have beenpre-approved for Continuing Professional Education (CPE) credits by the Institute of CertifiedBankers (ICB) and/or the Bank Administration Institute (BAI). Leverage these courses to secureand 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 Bankers202-663-5092 • [email protected]

The institute of Certified Bankers (ICB), a subsidiary of the American Bankers Association, is dedicated topromoting the highest standards of performance and ethics within the financial services industry. Thecourses designated for these certifications have been approved for certification credits. This statementshould not be viewed as an endorsement of this program or its provider.


HUMAN RESOURCESISSUES

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Workplace Violence

1259Workplace Violence: Employee Protection24 minute tutorialThis 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 workplaceviolence, and what to do should violence occur.

20112Workplace Violence: Warning Signs and Prevention30 minute tutorialThis course, intended for all audiences, addresses the potential for workplace violence, the impact of violencein the workplace, signs of potential violence and strategies against it, and how to respond in an emergencysituation.

Sexual Harassment / Discrimination

1293Sexual Harassment: Crossing the Line21 minute tutorialThis video, intended for all financial institution personnel, addresses the boundaries of acceptable behavior inthe workplace, what constitutes sexual harassment, and the different types of sexual harassment.

1294Sexual Harassment: Take Action17 minute tutorialThis video, intended for all financial institution personnel, addresses how sexual harassment impacts acompany, steps and guidelines on interviewing witnesses, victims and accused individuals, and the boundariesof acceptable workplace behavior.

20115Sexual Harassment: Definition and Prevention30 minute tutorialThis course, recommended for all employees, defines the different kinds of sexual harassment, describes whocan be perpetrators and victims of harassment, and identifies steps that employees and management can taketo ensure a harassment-free workplace.

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Customer Service

20051Key Essentials of Customer Service60 minute tutorialExceptional customer service means not only satisfying your customers' needs, but exceeding theirexpectations. In this course, intended for all new hires, tellers, and all customer contact personnel, you will learnthe importance of exceptional customer service, the role of attitude in customer service, the importance ofpositive body language, and the role of communication including listening and sending clear messages.

20318Handling Challenging Situations90 minute tutorialThis course, recommended for all front-line personnel, describes different techniques and guidelines for how toeffectively 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 withangry customers. Additionally, you will be able to apply active listening techniques to identify the cause ofcustomer anger and demonstrate effective techniques for defusing anger.

ADA

20113ADA: Public Accommodations30 minute tutorialThe Americans with Disabilities Act (ADA) of 1990 makes it clear that discrimination against persons withdisabilities is a violation of federal law. This course will help you to understand Title III of the Americans withDisabilities Act, as well as how public accommodations can be modified for the disabled, and how to provideequal access and equivalent services to the disabled.

Diversity

20203Diversity: Valuing Differences45 minute tutorialYour 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 understandpeople from different backgrounds, overcome stereotypes and discover how to create an atmosphere ofinclusiveness.


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Telephone Skills

20321Telephone Techniques for Customer Interactions60 minute tutorialThis course, recommended for all employees, will help you understand why telephone communications can beso challenging and presents some potential barriers inherent to telephone communication. In addition, thiscourse gives the definition of listening, the five stages of the communication process, how to effectively answerbusiness 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.


LENDING LAWS ANDREGULATIONS

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CRA

1277Community Reinvestment Act: An Introduction10 minute tutorialThis video, recommended for managers and compliance officers, and any employees requiring knowledgeabout the Community Reinvestment Act (CRA), addresses what the CRA is, how it impacts customers andinstitutional compliance with the Act.

20044CRA: An Overview30 minute tutorialThis course, intended for staff trainers, branch managers, auditors, compliance officers, teller supervisors, andany employee exposed to this regulation, addresses the purpose of the Community Reinvestment Act, CRA'srelationship 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 CRArating, and the proper disclosure of the CRA evaluation.

20045CRA: Public File Requirements60 minute tutorial | CRCM | CLBB | 1.25In this course, intended for staff trainers, branch managers, auditors, compliance officers, teller supervisors, andany employees exposed to this regulation, addresses performance evaluation methods and ratings under CRA,CRA required recordkeeping, CRA reporting requirements, the CRA Performance Evaluation, and whatinformation is included in the public file and CRA Notice.

20226Regulation G: Disclosure and Reporting of CRA-Related Agreements10 minute tutorialThis compliance brief covers Regulation G, which implements section 711 of the Gramm-Leach-Bliley Actrequiring (among other things) depository institutions to make information regarding covered CRA-relatedagreements available to the public and available to the appropriate federal regulatory agency.

Fair Lending

1315Fair Lending: Preventing Discrimination23 minute tutorialThis video, recommended for all lending personnel, addresses equal and consistent assistance to all loanapplicants, and eight simple questions to keep personal bias out of lending decisions.

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20072Fair Lending: Basic Topics and Terms60 minute tutorial | CRCM | CLBB | 1.25This course – intended for lending personnel, individuals who receive or give loan applications, and compliancepersonnel – addresses how to apply fair lending laws and regulations on the job, including the Equal CreditOpportunity Act and the Fair Housing Act. This course will also help you to recognize different types ofdiscrimination, identify what your institution can do to prevent discrimination, and consider the reputational riskimpact of fair lending violations.

20073Fair Lending: Implementation, Monitoring, and Review90 minute tutorial | CRCM | CLBB | 2.00This course, intended for lending management, management, senior management, legal, compliance, andBoard 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 fairlending monitoring system to evaluate day-to-day activities, how regulators measure enforcement penalties inthe event of a violation, and the reputational risk impact of a fair lending violation.

20172Fair Lending Risks in Indirect Lending45 minute tutorial | CRCM | CLBB | 1.00This course, intended for lending officers, management, and compliance officers, discusses fair lending risksinvolved with indirect lending. After exploring the process of indirect lending and the risks of fair lendingviolations, strategies to mitigate these risks are outlined.

Flood Disaster Protection Act

20011RMR: Complying With The Flood Disaster Protection Act30 minute tutorial | CRCM | 0.75This 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.

20011CLFlood Insurance for Commercial Lenders30 minute tutorialThis course, recommended for commercial lending personnel, covers the Flood Disaster Protection Act rules,coverage, and exclusions.

20011LSFlood Insurance for Loan Servicers30 minute tutorialThis course, recommended for loan servicing personnel, is an overview of the FDPA and covers the followingtopics: the purpose of the FDPA, how to comply with the FDPA, special situations, fees, and violation penalties.


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20011MLFlood Insurance for Mortgage Loan Originators30 minute tutorialThis course, recommended for mortgage loan originators, is an overview of the FDPA and covers the followingtopics: the purpose of the FDPA, how to comply with the FDPA, special situations, fees, and violation penalties.

Regulation B

20026Reg B: An Overview30 minute tutorial | CRCM | CLBB | 0.75This course, recommended for new hires and loan personnel, provides a better understanding of prohibiteddiscrimination, loans that apply to Reg B, and types of lenders who must comply with this regulation.

20027Reg B: Nine Prohibited Discrimination Factors60 minute tutorial | CRCM | CLBB | 2.00This course, recommended for loan personnel, teaches ways to identify the definition of discrimination as itpertains to Reg B and the financial industry, and recognize the nine types of discrimination described underReg B.

20028Reg B: Prescreening, Cosigners, and Disparate Treatment45 minute tutorial | CRCM | CLBB | 1.25In this course, recommended for all personnel involved in providing loan applications, students will recognizeviolations 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.

20029Reg B: Notification Requirements30 minute tutorial | CRCM | CLBB | 0.75This course, recommended for loan personnel, will teach about the notification process, counteroffers andwhen they should be made, what constitutes a loan application and a withdrawn application, and the steps totake when information is missing.

20030Reg B: Credit and Loan Handling30 minute tutorial | CRCM | CLBB | 1.25This course, recommended for loan personnel, addresses how Reg B affects consumers and small and largebusiness loans, what information must be gathered for eligibility, when it’s appropriate to gather creditinformation on a spouse, and the requirements for providing copies of an appraisal.


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Regulation Z

20039Reg Z: Purpose and Application75 minute tutorial | CRCM | CLBB | 2.50In 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 regardingadvertising.

20040Reg Z: Closed-End Credit Disclosures120 minute tutorial | CRCM | CLBB | CFMP | 2.50In this course, intended for all lending personnel, you will learn how to identify the Annual Percentage Rate andthe disclosure rules relating to it, recognize the finance charge and the corresponding disclosure rules, identifythe amount financed and the appropriate disclosures, and recognize what other disclosures exist and the rulesthat pertain to them.

20041Reg Z: Open-End Credit Disclosures90 minute tutorial | CRCM | CLBB | CFMP | 2.00In this course, intended for all lending personnel, especially credit card lenders, home equity lenders, and otherconsumer credit line lenders, you will learn to identify what information must be included in disclosures andwhat open-end credit disclosures are, indicate what comprises Annual Percentage Rate disclosures, determinethe information required in new loan disclosures, and recognize what information is included in periodicstatement disclosures.

20332RML: Complying With Regulation Z90 minute tutorialUpon completion of this course, recommended for mortgage lending personnel, students will be able toidentify the background and purpose of Reg Z, indicate the key elements of a disclosure statement, anddetermine when disclosures are required.

20500Reg Z: HPMLs and The Escrow Rule30 minute tutorial | CRCM | CFMP | 0.75This course, intended for mortgage lenders and anyone else associated with mortgage servicing, examines thecriteria that makes up a HPML, the escrow requirements for HPMLs, and exemptions from these escrowrequirements.

20501Reg Z: An Overview45 minute tutorial | CRCM | CFMP | 1.00This course, recommended for all employees who need a general knowledge of Regulation Z, addresses whichloans fall under Regulation Z, which fees and charges apply to real estate loans, how to locate resources fordetermining APR and the timeframes and disclosures relevant to the regulation.


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20502Reg Z: Adjustable Rate Mortgages45 minute tutorialThis course, intended for mortgage lenders and employees involved in mortgage lending, will help students tounderstand and apply the requirements of Adjustable Rate Mortgages (ARMs), understand the differences inARM loan types, identify necessary ARM disclosures, and understand rules regarding the advertisement of ARMloans.

20503Reg Z: Right of Rescission45 minute tutorial | CRCM | CFMP | 1.00This course, intended for mortgage lenders and employees involved in mortgage lending, addresses thetiming, loan type and notification requirements of the right of rescission, and how to apply the right ofrescission to liens, funds and waivers.

20504Reg Z: Section 32 (HOEPA) Loans60 minute tutorial | CRCM | CFMP | 1.25This course, intended for all loan personnel, examines the distinguishing features of HOEPA loans, includingcompliance criteria that must be considered when dealing with HOEPA loans, limitations and prohibitions inplace when servicing HOEPA loans, and how the Ability to Repay rules apply to HOEPA.

20505Reg Z: Reverse Mortgages30 minute tutorial | CRCM | CFMP | 0.75In 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 reversemortgages.

20506Reg Z: Ability-to-Repay and Qualified Mortgages60 minute tutorial | CRCM | CFMP | 1.25This course, intended for mortgage lenders and employees involved in mortgage lending, addresses thedocumentation requirements for the Ability-to-Repay rule, differences in Qualified Mortgages, howdebt-to-income ratios affect ATR and QMs, prepayment penalties and record retention requirements.

20507Reg Z: Appendix Q75 minute tutorial | CRCM | 1.50In this course, intended for mortgage loan underwriters, you will learn how to use a borrower’s income taxreturns to determine consumer mortgage loan eligibility for a Qualified Mortgage.


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20510Introduction to the Integrated Disclosure Rule45 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 IntegratedDisclosure Rule, effective October 3, 2015.

FCRA and the FACT Act

20055FCRA: An Overview30 minute tutorialIn this course, intended for lending personnel, human resources personnel, and loss control and investigativepersonnel, you will learn why the FCRA exists, permissible uses of credit reports, and the process forenforcement of the FCRA.

20056FCRA: Credit Reporting Regulations60 minute tutorial | CRCM | CLBB | 1.25In this course, intended for all lending personnel, human resources personnel, and loss control and investigativepersonnel, you will learn key definitions and rules that affect the Fair Credit Reporting Act, the timelines for howlong certain contents may appear inside a consumer report, where an alert may need to be added to aconsumer report, proper procedures that apply to agencies and financial institutions when assisting consumerswith 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 fornoncompliance.

20116The FACT Act: Rules and Implications60 minute tutorial | CRCM | 1.25Upon completion of this course, intended for all lending personnel, human resources personnel, and losscontrol 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 theirinformation, and apply new standards of preserving the accuracy and integrity of consumer reportinginformation.


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20401FCRA and FACT Act Game Show45 minute tutorialUse 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 FACTAct 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 forthe host to help conduct the classroom session, and printable score sheets for students. With questions thatutilize applicable employee scenarios, as well as standard procedures, your students will be excited aboutFCRA and FACT Act compliance and daily customer interactions!

Appraisals

20079Appraisal Requirements: How to Comply30 minute tutorial | CRCM | CLBB | 0.75This course, intended for lending personnel, any personnel who deal with appraisals or appraisers, andappraisers themselves, addresses how to define appraisals and associated terms, the standards andrequirements that institutions must follow, when appraisals are and are not required, who may conductappraisals and evaluations, what evaluations are, when they may be used, and the requirements for suchevaluations, and the standards of an appraisal and evaluation management program.

Credit Cards

20080Credit Cards: Regulations and Liabilities60 minute tutorial | CRCM | CFMP | 1.25In 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 therequirements and regulations that impact credit cards and the opening of credit card accounts; recognize thevarious 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.

20081Credit Cards: Disclosure Requirements90 minute tutorial | CRCM | CFMP | 2.00In this course, intended for new accounts representatives and loan personnel, you will learn how to recognizewhich disclosures are required on credit card applications, identify information required on the initial disclosurestatements for new loans, determine how to handle billing disputes, determine what disclosure information isrequired on periodic statements, recognize the rules the apply to change-in-terms notices, and identify therules pertaining to credit card agreements.


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Servicemember's Civil Relief Act

20084Servicemember Issues45 minute tutorial | CRCM | CFMP | 0.75In this course you’ll learn the basics of the Servicemember’s Civil Relief Act, such as why the Act was createdand who is covered by the Act. This course also addresses the Talent Amendment, as well as how to handleexisting loans and how to comply with the Servicemembers Civil Relief Act.<br>

Home Equity Loans

20093Lending: Home Equity Loans60 minute tutorialIn this course, intended for all lending personnel, addresses the reasons home equity loans are so popular, thedifferent features of home equity loans, ways to better comply with regulations related to lending, theinformation to gather from a potential customer, and how to make well-informed loan decisions.

20123Advertising: Home Equity Loans and Lines of Credit60 minute tutorialMake sure your institution’s advertising and promotional efforts meet compliance standards for this popularconsumer product by learning about home equity lending products and the associated compliance issues. Thiscourse, intended for employees who are involved with home equity marketing, outlines the Truth in LendingAct's unique requirements for marketing home equity loans and HELOCs, and identifies the triggering termsthat require additional disclosures.

Basic Consumer Lending

20094Lending: Analyzing Personal Tax Returns60 minute tutorialThis course, intended for lending personnel, addresses when to use the tax return and its importance to thelender. It also examines the significant parties involved in the tax return, how to use the tax return to identifyincome sources, major expenses, and potential liabilities and risks, how to use the tax return to verifyinformation obtained from other credit sources, especially the personal financial statement and loanapplication, and the supporting tax schedules and what each covers.

20095Lending: Analyzing Personal Financial Statements120 minute tutorial | CBA | 1.25In 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, andcontrol of the most common assets; recognize how to analyze an applicant's cash flow; and identify any specialrisks facing the applicant.


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20302Consumer Lending Basics150 minute tutorialThis course will introduce supervisors and loan officers to the types of consumer loans and how financialinstitutions reach a lending decision. Key topics include the advantages that different kinds of consumer loansoffer consumers, the different consumer loan classifications, the consumer loan process, and the regulationsthat affect consumer lending.

20317Underwriting Consumer Loans60 minute tutorialThis course, designed for front-line personnel, discusses the four "Cs" of credit and the three primary sourcesof credit verification. It also outlines three basic sources of collateral verification and the most importantcharacteristics to analyze when making the credit decision. Finally, it describes credit scoring systems and howthey are used, and describes events that trigger the notification requirements of the ECOA.

20319Servicing Consumer Loans135 minute tutorial | CRCM | 2.00This course is designed for lenders and other bankers who need an in-depth understanding of the consumerloan servicing function. This course covers security interest and perfection, the ways in which a lender maintainssecurity interest in collateral, how a lender releases its security interest when a loan is paid off, the three mainloan payment systems, a lender's reporting requirements, the activities involved in servicing indirect loans andcredit cards, and how to handle customer inquiries.

20325Consumer Loan Collections165 minute tutorialThis course, recommended for lenders, describes which factors affect delinquency rates for consumers. It alsoidentifies delinquent borrowers and outlines the components of an effective collection policy, as well as thesteps in preliminary collection procedures. In addition, it explains the provisions of the Fair Collection PracticesAct, various collection methods, and remedial payment techniques.

Commercial Lending

20096Commercial Lending: An Introduction60 minute tutorialIn this course, intended for all personnel who are new to commercial lending, you will learn how to determinethe 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.


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Loan Documentation

20097Loan Documentation: The Basics120 minute tutorialThis course, intended for loan officers, loan auditors, credit analysts, loan secretaries, and anyone involved incommercial loans, addresses how to identify the borrower and signers of loans, the components of promissorynotes, and attributes of loan agreements.

20098Loan Documentation: Ensuring Your Right to Collateral120 minute tutorialThis course, intended for loan officers, loan auditors, credit analysts, loan secretaries, and anyone involved incommercial loans, examines types of collateral, ownership of collateral, ways to establish your rights tocollateral, how to protect your rights from other creditors, and how to successfully compile supportingdocuments.

20303Document Preparation and Consumer Loan Closing135 minute tutorialThis course, designed for loan officers and their supervisors, discusses the basic elements of the promissorynote, Truth in Lending disclosures, the forms necessary for perfecting a security interest, the differencesbetween first and junior mortgage instruments, the purpose of loan closing activities, and three ways ofdisbursing loan proceeds.

Cash Flow Analysis

20100Cash Flow Analysis: Introduction and Accounting Review90 minute tutorial | CBA | 2.00This course, intended for commercial lenders, loan trainees, loan analysts, and any personnel dealing withbalance 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, andfinancial accounting skills.

20101Cash Flow Analysis: Constructing the Cash Flow Statement90 minute tutorial | CBA | 2.00In this course, intended for all credit analysts and loan personnel of financial institutions, especially loantrainees, loan analysts, and experienced commercial lenders, you will learn how to work with accrual-basedfinancial statements, the basic mechanics of cash flow analysis, how to construct a cash flow statement, and howto apply cash flow analysis.


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20102Cash Flow Analysis: Interpreting the Cash Flow Statement90 minute tutorial | CBA | 2.00In this course, intended for all credit analysts and loan personnel of financial institutions, especially loantrainees, loan analysts, and experienced commercial lenders, you will learn the five key checkpoints forinterpreting the cash flow statement, how to analyze specific sources and uses of cash, how to use your cashflow analysis worksheet to make better loan decisions, and how this process works with a cash flow statement.

Financial Accounting

20103Financial Accounting: Understanding the Accounting Cycle120 minute tutorial | CBA | 1.25As 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 recognizethe role of accounting in business, determine the general framework of the accounting process, demonstratethe basic accounting equation and expand that equation, and identify the importance of internal control.

20104Financial Accounting: The Basic Financial Statements120 minute tutorial | CBA | 2.50This 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-basedaccounting, how to make adjusting and closing entries to accounts, the income statement and the balancesheet, and what comprises the accountant's opinion letter and footnotes to the financial statements.

20105Financial Accounting: GAAP and Asset Recognition120 minute tutorial | CBA | 2.50This course, intended for commercial lenders and branch managers, addresses the basics of GenerallyAccepted Accounting Principles (GAAP), when and how much revenue or expenses are recognized on theincome statement, and how accounting methods relate to major current and noncurrent assets on the balancesheet.20106Financial Accounting: GAAP, Liabilities and Stockholders' Equity150 minute tutorial | CBA | 2.50This 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 AcceptedAccounting Principles (GAAP), when and how to account for the major current and long-term liabilities on thebalance sheet, how to account for changes in stockholders' (owners') equity, and the limitations of a financialstatement.


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Predatory Lending

20109Predatory Lending Awareness30 minute tutorial | CLBB | 0.75This course, intended for all lending personnel, will help you to differentiate between good subprime lendingand predatory lending, determine the risks predatory lending poses to financial institutions, recognize how tohelp your financial institution avoid predatory lending, and identify the most common predatory lendingpractices.

FDCPA

20117Fair Debt Collection Practices Act30 minute tutorial | CRCM | CLBB | 0.75This course, designed for lending personnel, provides a firm understanding of the purpose of the FDCPA andaddresses which behaviors are deemed acceptable and unacceptable by debt collectors.

Deceptive / Abusive Practices

20208Elder Financial Abuse: Detection and Prevention30 minute tutorialThis 30-minute course, intended for all employees, addresses some of the more common scams that occur atfinancial institutions, what "red flags" to look for, and how to most effectively handle a situation in which anelderly customer is being victimized. The course also includes audio and customer-facing scenarios.Experienced learners can expect to spend 10 minutes in the course while inexperienced learners will spend 30minutes in the course.

20215Reg AA: The Credit Practices Rule30 minute tutorialAfter completing this brief tutorial, consumer lenders will have a solid working knowledge of the four prohibitedcontract provisions, know when and how to notify cosigners of the nature and extent of their liability, andrecognize prohibited charges, such as the "pyramiding" of late fees.

20380UDAAP: An Overview45 minute tutorial | CRCM | 1.00This course, recommended for any employees who deal with consumers, will look explore what it means to be“abusive”, possible acts or practices that would now be considered abusive under this new standard, andidentify steps you can take now to minimize your UDAAP risk.


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20381UDAAP: Regulation Between the Cracks45 minute tutorial | CRCM | 0.75This course, recommended for management personnel, looks at existing enforcement UDAAP actions, and howfinancial institutions may make inferences from these actions as to what might pose UDAAP risks.

Regulation M

20221Reg M: Rules for Consumer Leasing30 minute tutorialIn this course, designed for personnel who handle consumer leases, you'll learn how to determine whetherRegulation M applies, when to provide the appropriate disclosures, what information needs to be in thedisclosures, and which lease terms are restricted and how.

Bankruptcy

20304Bankruptcy and Consumer Loans90 minute tutorialThis course, designed for anyone involved in consumer loans, is designed to provide the learner withinformation on Chapter 7 and Chapter 13 bankruptcy, focusing on the steps lenders can take to minimize lossesdue to bankruptcy. Major topics include voluntary and involuntary bankruptcy petitions, the qualifications forChapter 7 and Chapter 13 bankruptcy, the importance of filing a petition, how creditors prepare for thecreditors' meeting, the responsibilities of the parties involved in a bankruptcy case, the repayment plan, and theconcept of discharge.

Mortgage Lending

20320Underwriting Residential Mortgage Loans45 minute tutorialThis course, recommended for lending personnel, is designed to provide the general guidelines of theunderwriting process. Upon completing this course, the learner will be able to recognize the laws that affectunderwriting, determine how the secondary mortgage market affects the availability of funds for mortgageloans, identify the process for underwriting mortgage loans, and recognize the role that technology plays inunderwriting mortgage loans.

20333Laws and Regulations for Mortgage Lending45 minute tutorial | CRCM | 1.00Upon completion of this course, recommended for mortgage lenders, learners will be able to identify thehistory and purpose of major laws and regulations which concern residential mortgage lending. Learners willalso be able to recognize lender requirements and best practices when providing disclosures and notification toapplicants.


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20334Basics of Residential Mortgage Loans60 minute tutorial | CRCM | 1.25This course, recommended for mortgage lenders, introduces employees to basic principles and terms found inresidential mortgage lending. It outlines the initial steps of the mortgage process and provides information onthe categories of residential mortgage loans, such as government-insured loans and conventional mortgageloans. It also defines the different types of mortgage loan products and key mortgage documents likemortgages, deeds of trust, promissory notes, loan applications, and disclosures. Learners will also discover thevarious costs associated with purchasing a home and obtaining a residential mortgage loan, as well as how todo necessary calculations and determine amortization amounts.

20335The Mortgage Lending Process60 minute tutorialUpon completion of this course, recommended for all mortgage lending personnel, employees will be able toidentify key features of a loan application and determine which types of documentation must be collected afteran application is received. Also, employees will learn the two parts of the underwriting process, including howto calculate the Debt-to-Income ratio. Rounding out the last steps of the mortgage lending process, employeeswill learn proper loan closing procedures and recognize a lender’s responsibilities for loan servicing.

20372Helping Borrowers Avoid Scams During Foreclosure30 minute tutorialThis course, recommended for mortgage lenders and other employees involved in the foreclosure process, isdesigned to provide you with information on the various foreclosure scams that borrowers facing foreclosureface, and the ways in which you can help them avoid the scam artists who prey on their vulnerabilities.

20373Assessing Your Mortgage Loan Foreclosure Process30 minute tutorialThis course, recommended for mortgage lenders and other employees involved in the foreclosure process, willexplain the importance of self-assessments, examine the six foreclosure management standards identified bythe OCC that your financial institutions should include in its self-assessment, and identify some of the key issuesinvolved with third-party vendors.

RESPA

20329RML: Complying with the Real Estate Settlement Procedures Act30 minute tutorial | CRCM | 1.25This course, recommended for lending personnel, provides an overview of the Real Estate SettlementProcedures Act. After describing the purpose of RESPA, it outlines the procedures that lenders must follow andthe information that lenders must provide to applicants. It also provides examples of common RESPA violationsand types of mortgages that are exempt from RESPA.


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20330RESPA: An Introduction and Applicability15 minute tutorialThis RESPA course, recommended for consumer loan personnel, provides a quick introduction to RESPA. Itexplains when RESPA applies to a loan and outlines the exceptions to RESPA's coverage.

20331RESPA: Key Disclosures and Procedures45 minute tutorial | CRCM | 1.25This course, recommended for loan application personnel, discusses key disclosures required by RESPA. Itprovides the details and purpose of the Good Faith Estimate (GFE), demonstrates how to use the SettlementCosts Booklet, and outlines how to prepare the HUD-1/1A. It also outlines additional disclosures andrequirements under RESPA. This course also provides information on the upcoming changes to the upcomingchanges to the RESPA disclosures that will take effect August 1, 2015.

20509RESPA: Mortgage Loan Servicing90 minute tutorial | CRCM | 2.00This course, intended for mortgage loan servicers and supervisors, explains the RESPA and Regulation Z rulesthat pertain to loan servicing, including force-placed insurance, error resolution, loss mitigation procedures, andpayments and periodic statements.

Marketing

20339Marketing: Understanding the Regulations105 minute tutorialThis 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 consumerprotection rules, such as FCRA and UDAAP.

SAFE Act

20340SAFE Act: Required Policy and Procedure60 minute tutorial | CRCM | 1.00This course, recommended for mortgage lending staff and compliance officers, addresses the purpose of theSAFE Act and what it requires of MLOs and financial institutions, and the registration and renewal steps forMLOs.


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Mortgage Fraud

20350Detecting Mortgage Fraud: The Red Flags60 minute tutorial | CRCM | 1.25Designed especially for lending and compliance personnel, this course will educate these staff members onhow to prevent mortgage fraud through the recognition of red flags. In addition, learners will be able to identifycommon mortgage fraud schemes and mechanisms used for fraud.

HMDA

20390HMDA: Basic Information30 minute tutorial | CRCM | 1.00This 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 thekinds of information covered financial institutions must collect.

20391HMDA: Basic Compliance30 minute tutorial | CRCM | 1.25This course, recommended for mortgage lending personnel, focuses on compliance issues surrounding theHome 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 institutionsmust make public.

20392HMDA: Loan Application Scenarios30 minute tutorial | CRCM | 1.00In this interactive course, intended mortgage lending staff, especially those responsible for filling out the LoanApplication Register (LAR), learners will apply their HMDA training by examining four different hypotheticalsituations that an MLO might face and use this information in completing a mock LAR.


FINANCIAL INSTITUTIONACTIVITIES

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General New Account Skills

1318Opening Deposit Accounts: Reducing Risk22 minute tutorialThis video, recommended for new account representatives, covers five topics that impact the opening depositaccount process: Customer Identification Program (CIP), FDIC Insurance, BSA Reporting Requirements,Taxpayer Identification Numbers (TINs) and required tax forms.

1319Opening Deposit Accounts: Explaining Rules and Procedures25 minute tutorialThis video, recommended for new account representatives, covers six topics affecting deposit accounts andtransactions: Reg CC, Reg E, Reg D, The Truth in Savings Act, Privacy of Consumer Financial Information (RegP) and the regulatory signs or notices your institution is required to display.

20052New Account Orientation: Regs and Liability Prevention60 minute tutorialIn this course, intended for new account representatives and new account supervisors, you will learn how theFair Credit Reporting Act governs institutions, Bank Secrecy Act requirements and when to complete aCurrency 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.

20053New Account Orientation: Regulatory Signage60 minute tutorial | CRCM | 2.00In this course, intended for new accounts representatives and new accounts supervisors, you will learn how todetermine what the FDIC covers and the required signs, recognize the purpose of HMDA and the requiredsigns, identify the purpose of CRA and the required notices, and recognize the Fair Housing Act and therequired posters.

20054New Account Orientation: Reg and Disclosures150 minute tutorial | CRCM | 3.00In this course, intended for new accounts representatives and new accounts supervisors, you will learn theimportance of disclosures, disclosures required under the Truth in Savings Act, the requirements of theExpedited Funds Availability Act, the disclosures required for IRS reporting, the requirements of Reg D, andrequired disclosures under Reg E.

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es 20312New Account Fraud Prevention120 minute tutorialIn this course, recommended for frontline personnel and their supervisors, you’ll learn how to recognize thedifferent 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 learnhow to analyze suspicious applicant behavior, understand the decision-making process for opening an accountand how to identify fraud prevention methods used in electronic account opening. Additionally, you’ll becomefamiliar with how to verify an applicant’s signature and information gathered from ID documents during theaccount interview.

General Teller Skills

20016Teller Success: Money Handling30 minute tutorialIn this course, recommended tellers and teller supervisors, employees will learn to recognize the physicalcomponents of U.S. coin and currency, how to detect altered and counterfeit currency, guidelines for setting upand securing a money drawer, and the necessary steps for receiving or paying out money.

20017Teller Success: Negotiable Instruments60 minute tutorialIn this course, recommended tellers and teller supervisors, employees will learn to recognize the different typesof negotiable instruments and endorsements. Employees will also learn the guidelines for requiringidentification from individuals and detecting check fraud.

20023Teller Orientation: Regulatory Signage90 minute tutorial | CRCM | 2.00This course, recommended for tellers and teller supervisors, addresses what is covered by the FDIC, requireddisclosure signs, the components of a HMDA Notice, what comprises a CRA Notice, and the purpose of theFair Housing Act and its required posters.

20024Teller Orientation: Regs and Disclosures90 minute tutorial | CRCM | 2.00This course, recommended for tellers and teller supervisors, teaches about various regulations and theirdisclosure requirements. This program covers the Truth in Savings Act, the Expedited Funds Availability Act,Reg D, Reg E, and IRS reporting.


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es 20025Teller Orientation: Regs and Liability Prevention60 minute tutorial | CRCM | 2.00This course provides tellers and their supervisors with an overview of various regulations, and focuses on how toprevent regulatory liability. This course addresses the purpose of the Fair Credit Reporting Act and how itgoverns institutions, when to use a Currency Transaction Report (CTR), the Right to Financial Privacy Act andhow 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.

20069Teller Operations: Endorsements30 minute tutorialThis course, intended for tellers and teller supervisors, addresses the terminology and guidelines for checkendorsement, the different types of payees and endorsers, common endorsement types and how to handlethem, and the difference between a conditional and qualified endorsement.

20070Teller Operations: Identification30 minute tutorialThis course, intended for tellers and teller supervisors, addresses what transactions require verification ofidentification, the types of acceptable identification, and the guidelines for verifying and recording identityinformation.

20310Check Fraud Prevention90 minute tutorialThis course, recommended for any employees who handle checks, will help you detect check fraud schemesand show you techniques to prevent them. You will learn the parts of a check and their functions, and you willalso recognize signs of criminal behavior during an attempt to pass fraudulent checks.

20313Balancing Daily Transactions75 minute tutorialThis course will help tellers balance accurately and explains how to detect and prevent differences. Key topicsinclude balancing and why it is important to financial institutions, the internal and external controls of thebalancing process, difference reconciliation and the common errors that may result, how balancing errors areresolved, and techniques commonly employed to minimize cash transaction errors.


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Customer Service

20018Teller Success: Customer Priority60 minute tutorialThis course, recommended for tellers and teller supervisors, will teach ways to meet customer needs by usingeffective communication skills and recognizing how to meet customer needs through a variety of loansprovided to individuals and businesses. You'll also determine how to keep the customer's informationconfidential and distinguish how to enhance the professional image and performance through product andservice knowledge.

Sales

20043Tellers: Cross-Selling... A Customer Service Skill30 minute tutorialIn this course, intended for tellers and teller supervisors, you will learn how to identify cross-selling as acustomer service skill, recognize the six steps to effective cross-selling on the teller line, determine thestep-by-step instructions for effectively overcoming objections, and indicate the product-service benefits thatmay appeal to a variety of customers with different needs.

20085The Key Essentials to Selling60 minute tutorialIn this course, intended for all front-line employees, you will learn the importance of building rapport, thenecessity of probing and confirming needs, the importance of communicating the benefits of a product orservice as a solution, and how to close or gain commitment.

20086The Key Essentials of Advanced Selling: A Coaching and Training Tool60 minute tutorialThis course, intended for all front-line employees, addresses the importance of self-image in selling, how tosuccessfully sell a relationship, ways to build credibility, and the 10 secrets of advanced sales success.

20111Cross-Selling: Successful Customer Relations30 minute tutorialThis course, recommended for all employees who have regular contact with customers, will help you sharpenyour listening skills to uncover clues and build customer relationships, utilize product knowledge to matchcustomer 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.


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es 20315Building a Foundation for Successful Sales90 minute tutorialThis course, designed for all front-line employees, highlights the changing nature of financial sales and howfinancial 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 financialinstitution and its consumers, and outlines the six basic steps of the sales process.

20316Sales: Asking for the Business45 minute tutorialWritten for all financial services employees, this course addresses why some financial professionals are reluctantto ask for the sale, and also identifies the guidelines for asking for the sale. This course describes techniques forgaining commitment and nonverbal behaviors that can indicate an interest to buy. In that same vein, this coursealso helps you to see the importance of avoiding overselling.

General Banking Knowledge

20062Banking: An Introduction90 minute tutorial | CBA | 1.00In this course, intended for new hires, you will learn what a financial institution is, what the primary types offinancial institutions are, how financial institutions make money, the evolution of banking, and your role in thebank.

20063Banking: Products and Services120 minute tutorialThis course, intended for new hires and front-line personnel, addresses a financial institution's three primaryservices, deposit products and services, loan products and services, payment products and services, andspecialized financial services.

20064Banking: Organization and Regulation60 minute tutorial | CBA | 1.00This course, intended for new hires and front-line personnel, explains how banks are organized, the legalstructure of banking, and the regulatory agencies that are involved in banking.


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es 20300Retail Banking Basics180 minute tutorialEvery employee needs to know how financial institutions meet customer needs. This course will help all newhires identify four common categories of financial needs and determine the major features and benefits ofsavings accounts, checking accounts, and Certificates of Deposit. Additionally this course will enable you todifferentiate among Traditional IRAs, Roth IRAs, Coverdell Educational Savings Accounts, Keoghs, SEPs, andSIMPLES, identify four categories of loans, and recognize the six categories of electronic banking services.

20311Deposit Account Fundamentals195 minute tutorialThis course, recommended for front-line employees and their supervisors, delves into the variety of depositaccounts available from financial institutions today and explores the features and benefits of each. This coursewill teach you to differentiate between the various characteristics of deposit accounts, as well as identify thefeatures and benefits of the deposit accounts. Learn more about distinguishing between various types ofaccount ownership, differentiate between simple and compound interest and tiered rate structures, anddistinguish between the various types of account ownership. Additionally, you’ll determine how to counselcustomers regarding various types of investments and identify the various steps in opening deposit accounts.

20314Introduction to Checks90 minute tutorialThis course will help all frontline personnel understand the definition of a check and how it works as a mediumof 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 mayarise.

20324Decedent Accounts75 minute tutorialThis course, recommended for new accounts representatives, addresses the complex issues surrounding theproper handling of an account upon the depositor’s death. This course identifies decedent accounts anddescribes the account representative's responsibilities. It also describes the types of decedent estates and howstate and federal taxes affect these estates and accounts. Finally, the course outlines the various forms andprocedures needed for closing a decedent account or transferring its funds to another account.


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es 20326Business Banking Solutions150 minute tutorialThis course, recommended for employees who work with business customers, outlines the four major groups ofsolution services provided to business customers by financial institutions. By exploring cash managementsolutions, you can help your customers better manage their finances. Investment solutions are ways you canhelp 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 bettereducate merchant clients with optimizing payment receipts from their customers.

20402New Hire: Game Show!30 minute tutorialReinforcement is a key component for learning retention on the job. The New Hire Game show is specificallydesigned to reinforce general banking knowledge acquired through the new hire training process. Speciallybuilt for classroom or single user settings, this “Who Wants to Be a Millionaire?”-style course was developed totest employee knowledge regarding all facets of New Hire training, with questions on topics ranging frommoney handling to financial institution organization and regulation. This course also includes an instructionalguide and printable scoring sheets for the host to help conduct the classroom session.

Safe Deposit Boxes

20077Safe Deposit Boxes: Opening Procedures60 minute tutorialThis course, intended for tellers, operations clerks, secretaries, and account managers, addresses your role as acustodian, the various types of safe deposit agreements, how to handle various customer interactions, and howyou should assist customers to access their safe deposit box.

20078Safe Deposit Boxes: Daily Routines30 minute tutorialThis course, intended for tellers, operations clerks, secretaries, and account managers, examines properprocedures when visiting a safe deposit box, how to handle adverse claims and lost keys, what to do ifnonpayment of a box rental occurs, how to terminate an account, and additional tips for handling a safe depositbox.

Telephone Skills

20120Customer Service: Telephone Excellence30 minute tutorialThis course, designed for all employees who interact directly with customers, illustrates the importance ofdeveloping effective telephone skills and covers the following: components of the message we communicateon the telephone, the model for an effective telephone exchange, general telephone activities, and techniquesfor handling difficult calls.


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Business Writing

20323Writing Skills for Bankers165 minute tutorialWriting clearly and effectively is a skill all financial institution employees must possess. Students using thisprogram will enhance their ability to write by learning to identify the reader’s needs; to approach writing as amulti-stage process; and to write in the informational, persuasive, reporting, and documenting modes.


CORPORATECOMPLIANCE LAWSAND REGULATIONS

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Regulation O

20059Reg O: An Overview30 minute tutorial | CRCM | CLBB | 0.75Regulation O was designed to address situations where you extend credit to certain executives, directors, andprincipal shareholders of your financial institution in order to prevent these kinds of people from using theirpositions to get extra-favorable credit terms. In this course, intended for new hires and anyone else affected bythe regulation, you will learn how to recognize how Regulation O originated, and determine the purpose ofRegulation O.

20060Reg O: How to Comply60 minute tutorial | CRCM | CLBB | 1.25Do you know which people in your financial institutions are "insiders?" In order to understand exactly who isaffected by Regulation O, you need to in order to avoid Reg O violations. In this course, intended for new hiresand 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.

20061Reg O: Avoid Violations30 minute tutorial | CRCM | CLBB | 1.25Reg O is designed to eliminate "preferential" credit extensions. Many Reg O violations occur because loanofficers to not understand all that is included under "credit extensions." In this course, intended for new hiresand 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.

20227Reg LL: Regulations Governing Savings and Loan Holding Companies15 minute tutorialRegulation O was designed to address situations where you extend credit to certain executives, directors, andprincipal shareholders of your financial institution in order to prevent these kinds of people from using theirpositions to get extra-favorable credit terms. In this course, intended for new hires and anyone else affected bythe regulation, you will learn how to recognize how Regulation O originated, and determine the purpose ofRegulation O.

Disaster Recovery

20065Disaster Recovery90 minute tutorialAny significant disruption of the activities of one or more units of a financial institution can be costly in manyways. This course, intended for compliance officers and senior management, addresses why a disaster plan isnecessary, how to develop the plan, key elements to consider for the plan, how to write the plan, and how toproperly test the plan.

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20165Pandemic Planning30 minute tutorialIn this course, designed for management personnel responsible for designing disaster preparation plans, userswill explore the issues involved with designing a pandemic plan including describing the purpose of pandemicpreparation, summarizing the issues that need to be considered when developing your financial institution’spandemic plan, and identifying potential obstacles to implementing your financial institution’s pandemic plan.

Security

20066Bank Security - General Principles30 minute tutorial | CFSSP | CRCM | 0.75All financial institutions are targets for criminals simply because financial institutions specialize in handlingmoney 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 thwartingthese attacks and helps your employees follow the proper procedures in a time of crisis. In this course, intendedfor security, management, and any other employee involved with developing and implementing securityprocedures, you will learn how to summarize the minimum features that must be included in the financialinstitution’s security program, describe some of the more salient issues that your financial institution’s securityprogram should address, and identify the general principles that should guide any security incident response.

20067Bank Security - Operating Procedures45 minute tutorial | CFSSP | CRCM | 1.25While your specific financial institution will train you on the exact procedures that you should follow as detailedin the financial institution’s security plan, there are general security principles that underlie these proceduresthat you need to consider. In this course, intended for tellers, front-line employees, and anyone involved inimplementing security procedures, you will learn how to explain what the concept of “dual control” means andhow it applies to the security of the financial institution, recognize proper general procedures for opening andclosing a branch location, identify common daily security threats and how to guard against them.

20110Robbery Training - An Overview45 minute tutorial | CFSSP | CRCM | 0.75This 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 proceduresfinancial employees should take during a robbery, and lists the steps that financial employees follow after arobbery.


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20166Preventing Embezzlement20 minute tutorialThis 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 canoccur and the kinds of employees most likely to attempt them.

20322Comprehensive Robbery Training90 minute tutorial | CFSSP | 2.00This course, recommended for all employees, describes measures that can prevent robberies, actions to takeduring a robbery and the five essential post-robbery actions. Students will learn the characteristics of the threetypes of robberies and the five general description categories that should be observed of a suspect during arobbery.

Assorted Regulations

20082Reg U: In Detail30 minute tutorial | CRCM | CLBB | 0.75In this course, intended for lending personnel and compliance officers, you will learn the purpose of Reg U, thegeneral requirements of Reg U, the definition of special purpose loans, and what exempt transactions are.

20211Regulation I: Issue and Cancellation of Federal Reserve Bank Capital Stock10 minute tutorialThis compliance brief provides an outline of the procedures and requirements for Fed member banks that wishto purchase or redeem Federal Reserve Bank capital stock.

20212Regulation L: Management Official Interlocks10 minute tutorialThis compliance brief outlines the conditions under which a management official of a depository organizationmay or may not act simultaneously as a management official of an unaffiliated depository organization.

20214Reg EE: Netting Eligibility for Financial Institutions10 minute tutorialThis compliance brief outlines the conditions under which an individual may be considered a financialinstitution, and is therefore able to take advantage of the netting provisions described in the Federal DepositInsurance Corporation Improvement Act of 1991.


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20216Regulation J: Collection of Checks and Other Items by Federal Reserve Banks10 minute tutorialThis compliance brief outlines the rules and procedures depository institutions must follow in order to collect,return, and settle balances through the Federal Reserve System.

20217Regulation N: Relations with Foreign Banks and Bankers10 minute tutorialThis compliance brief summarizes the restrictions and limitations placed upon Federal Reserve Banks wishing todo business with foreign banks or bankers.

20219Regulation X: Borrowers of Securities Credit10 minute tutorialThis compliance brief discusses the restrictions the Federal Reserve places on borrowers of purpose credit.

20220Regulation A: Extension of Credit by Federal Reserve Banks10 minute tutorialThis compliance brief discusses the conditions and means by which a Federal Reserve Bank may extend creditto depository institutions and other entities.

20223Regulation F: Limitations on Interbank Liabilities10 minute tutorialThis compliance brief discusses the Federal Reserve's rules regarding evaluations, controls, and limits withrespect to correspondent exposure.

20224Regulation K: International Banking Operations10 minute tutorialThis compliance brief discusses the rules by which bank holding companies must abide with respect to mergersand acquisitions, permissible nonbanking activities, and qualifications for becoming a financial holdingcompany.

20225Reg Y: Bank Holding Companies and Change in Bank Control10 minute tutorialThis compliance brief discusses the rules by which bank holding companies must abide with respect to mergersand acquisitions, permissible nonbanking activities, and qualifications for becoming a financial holdingcompany.


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20228Reg MM: Regulations Governing Savings and Loan Holding Companies in Mutual Form10 minute tutorialThis 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 approvalfor these transactions and activities, and the procedures under which directors and executive officers may beappointed or employed by savings and loan holding companies in certain circumstances.

20222-CBRegulation S: Reimbursement for Providing Financial Records10 minute tutorialThis compliance brief discusses the dollar amounts and procedures for procuring repayment for a bank'scooperation with a governmental agency in accordance with the Right to Financial Privacy Act.

Regulation W

20122Reg W: An In-Depth Look60 minute tutorial | CRCM | 1.25This course, intended for directors, management, loan and investment officers, and audit staff, presents ageneral overview of Reg W. It explains what types of transactions are subject to Reg W, what the generalprovisions of Section 23A, exemptions to Section 23A, and how to apply Section 23B and other provisions.

20374Reg W: Basic Concepts15 minute tutorialNeed a simplified understanding of Reg W for your employees? Upon completion of this course, recommendedfor HR, retail, and lending staff, you will be able to identify why Reg W exists and who must comply. In addition,you’ll be able to define affiliates, and demonstrate an understanding of Section 23(a) and Section 23(b)provisions.

Anti-Tying

20209Anti-Tying: Essentials for Lending and New Accounts30 minute tutorialDesigned with the needs of frontline employees such as lending personnel in mind, this course offers a broadoverview of the anti-tying provisions introduced by the Bank Holding Company Act. Through exposure to theregulation-specific concepts and their practical applications, employees will learn how to recognize the conceptof tying, determine why some tying arrangements are permitted, while others are prohibited, and recognize theimportance of learning and following your institution's anti-tying policies and procedures.


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Reg R

20337Regulation R: Understanding the Exceptions30 minute tutorialHow does Reg R affect your financial institution? Use this course, recommended for compliance officers and anyemployees who work in securities, to understand the purpose of Reg R and to identify which exemptions andexceptions your institution may choose to rely on to perform basic transactions without registering as abroker-dealer.

Directors – Compliance Topics

20341Board of Directors: An Introduction15 minute tutorialThis course is designed for new board members, or board members who may need a refresher about their rolein bank operations. Upon completion of this course, board members will be able to identify the eligibilityrequirements for board members, and they’ll determine how an individual becomes a board member. Inaddition, they’ll be able to explain the importance of the supervisory committee and recognize the six fiduciaryduties of bank boards of directors.

20342Board of Directors: General Direction and Control10 minute tutorialUpon completion of this course, board members will be able to identify ways a bank board of director may stayinformed, determine how a board member may closely coordinate with management, and demonstrate how tomonitor a bank’s management.

20343Board of Directors: Ensuring Safety and Soundness15 minute tutorialUpon completion of this course, board members will be able to determine how a board member can ensuresafety and soundness, understand the ramifications of a regulatory infraction, determine how a director canreduce regulatory concerns, identify the six categories of risk, and analyze the potential legal liabilities ofdirectorship.

20344Board of Directors: Practicing Impartial Administration15 minute tutorialUpon completion of this course, board members will be able to determine how to avoid preferentialtransactions, recognize how to identify insiders, and understand why transactions with insiders must be fullydocumented.


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20345Board of Directors: Basic Finance and Accounting Practices30 minute tutorialUpon completion of this course, board members will be able to understand why a board member should have abasic knowledge of accounting practices, analyze the items on a balance sheet and income statement, indicatethe differences between the balance sheet and income statement, identify which line items are risks which maylead to financial loss, and demonstrate how to ask financial questions of management and auditors.

20346Board of Directors: Regulatory Overview for Directors20 minute tutorialUpon completion of this course, board members will be able to identify which laws and regulations apply tobanks, including BSA, Reg B, and Reg Z, recognize how much a board member should know about applicableregulations, determine where to find regulatory update information and resources, understand how a creditunion should update policies and procedures based on amended regulations, and identify how often the boardshould approve updated policies and procedures.

20347Board of Directors: Comprehension Test10 minute tutorialTake the test within this course to record your understanding of the duties and responsibilities of a financialinstitution director. You may want to take the other Board of Directors courses before taking this test to ensurea passing score. The Board of Directors courses are 20341, 20342, 20343, 20344, 20345, 20346.

Records Retention

20349Federal Records Retention Requirements for Banks45 minute tutorial | CRCM | CSOP | 0.75This course serves as your one-stop shop for understanding federal records retention requirements. Uponcompletion of this course, recommended for management and board members, learners will recognize whenrecords must be retained, the duration of retention, and exactly which types of documentation must beretained. They will also understand the required elements and key players of a records management program.

Vendor Management

20375Vendor Management45 minute tutorial | CRCM | CSOP | 0.75Vendors are a valuable asset to financial institutions, but they are not without risk. This course, recommendedfor employees who have contact with third-party vendors, defines vendors and the types of services theyprovide. It also outlines the procedures for designing a request for proposal and contract, and it describes thetypes of risks associated with vendors.


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Ethics

20202CSEthics: Policy and Personal Judgment for Customer Service30 minute tutorialEthics violations always command a media spotlight. Learn why an ethics policy exists and how to judgeindividual circumstances to determine the best course of action to follow. This course, tailored to customerservice personnel, provides a review of the Bank Bribery Act, establishes why an ethics policy is needed, anddescribes standards of conduct for ethical behavior.

20202LENEthics: Policy and Personal Judgment for Lenders30 minute tutorialEthics violations always command a media spotlight. Learn why ethical policies exist and how to judgeindividual circumstances to determine the best course of action to follow. This course, tailored to lenders, alsoprovides a review of the Bank Bribery Act, several real-life, scenarios and an easily remembered "UltimateEthical Test.

20202MGTEthics: Policy and Personal Judgment for Managers30 minute tutorial | CBA | CRP | 1.00This course, tailored to management personnel, will help you determine the need for an ethics policy, andidentify the key elements of an ethics policy. You’ll also be able to indicate standards of conduct for ethicalbehavior and recognize components of the Bank Bribery Act of 1985. This course provides several real-lifescenarios and an easily remembered "Ultimate Ethical Test.

20202TELEthics: Policy and Personal Judgment for Tellers30 minute tutorialThis course, intended for tellers and teller supervisors, addresses why ethical policies exist, standards ofconduct for ethical behavior, and the purpose of the Bank Bribery Act of 1985.


BSA / ANTI-MONEYLAUNDERING LAWSAND REGULATIONS

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The Bank Secrecy Act and Anti Money Laundering

1246CTR: How to Complete20 minute tutorialThis 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 aCTR, and outlines typical transactions that would require a CTR.

20003BSA: How to Comply45 minute tutorial | CFSSP | CRCM | CSOP | 1.25This BSA course, recommended for teller supervisors, branch managers, auditors, staff trainers, complianceofficers, and anyone involved in CTRs, covers Parts I-III of the CTR. This course will teach you to determinewhich transactions require a CTR, to complete the CTR, including required information, and to identifyscenarios that may warrant the completion of a Suspicious Activity Report (SAR).

20004BSA: Exemptions and Customer Identification30 minute tutorial | AMLP | 0.50This course, recommended for front-line employees who handle cash, BSA officers, compliance officers, andappropriate audit staff, covers the Bank Secrecy Act as it relates to the exemption system and the CustomerIdentification Program. Employees will learn what the exemption system is and why it exists, what proceduresmust be followed with exempt accounts, which businesses may never be exempt as well as why it is so crucial toproperly identify customers.

20005BSA: Wire Transfers and Recordkeeping Requirements30 minute tutorial | AMLP | 0.50This course, recommended for any personnel involved in funds transfers, covers the rules and exceptions willhelp your institution play a key role in the prevention of money laundering. It also addresses how rules differ forestablished and non-established customers, how the rules differ for transactions involving an originator andbeneficiary bank and how long records must be maintained.

20206BSA and AML: An In-Depth Look90 minute tutorial | CFSSP | CRCM | CSOP | CLBB | CFMP | CTFA-FID | CCTS | CISP | CRSP | 1.25This interactive program, appropriate for employees needing an in-depth knowledge of BSA, introduces theconcept of money laundering and details how BSA regulations and requirements work to deter it. CurrencyTransaction Reporting (CTR), Suspicious Activity Reporting (SAR), the basic elements of a CustomerIdentification Program (CIP), penalties for noncompliance, as well as rules for negotiable instruments and wiretransfers are all covered in this in-depth look at BSA and AML.

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20230BSA/AML: The Basics45 minute tutorialThis course, designed for personnel needing a basic understanding of BSA, gives a brief overview of the BankSecrecy Act (BSA) including background on CIP, CTR, and SAR as well as penalties for non-compliance withBSA .

20376BSA: Money Services Businesses30 minute tutorialMoney 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 andtraveler’s checks, and are thus an exceptionally high risk for money laundering. This course, recommended forsupervisors, managers, and compliance officers, will explain the risks behind MSB accounts, differentiatebetween high- and low-risk MSBs, and provide steps that financial institutions can take to protect themselvesfrom risk.

20403BSA Game Show!45 minute tutorialUse this game show course to liven up BSA and AML training! Specially built for the classroom setting, thisJeopardy-like course was developed to test employee knowledge regarding all facets of BSA and AMLcompliance, with categories such as Customer Identification Programs, Suspicious Activity Reports, CurrencyTransaction Reports, as well as job specific categories for Lenders, Operations, and Tellers. This course alsoincludes an instructional guide for the host to help conduct the classroom session, and printable score sheetsfor students. With questions that utilize applicable employee scenarios, as well as standard procedures, yourstudents will be excited about BSA and AML compliance and daily member interactions!

20204LENBSA: Responsibilities for Lenders45 minute tutorialLenders can play a crucial role in BSA requirements because of their customer contact and knowledge ofcustomer transactions. Become familiar with the appropriate sections of BSA, learn how to identify and reportsuspicious activity, and familiarize yourself with the penalties for violating the Bank Secrecy Act.

20204MGTBSA: Management's Perspective60 minute tutorial | CFSSP | CRCM | CSOP | 0.75This comprehensive course, intended for management personnel, examines the background and purpose ofthe Bank Secrecy Act, and identifies the major BSA/AML risk categories upon which management must base afinancial institution’s BSA compliance program. Additionally, the course also addresses the minimumrequirements to which a financial institution BSA compliance program must adhere, and management’s roleconcerning information sharing and Suspicious Activity Reporting.


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20204OPSBSA: The Role of Operations60 minute tutorialIn this course, learners will determine how operations and support personnel can best comply with BSAregulations. After providing a brief introduction to the background and purpose of the Act, this course coverssuch back office essentials as job-specific suspicious activity monitoring guidelines, rules for information sharingwith law enforcement and other financial institutions and the various directives for wire transfer recordkeepingrequirements.

20204TELBSA: Transaction Procedures for Tellers45 minute tutorial | CRCM | 0.75Today's tellers have the added responsibility of monitoring and reporting cash transactions that may be relatedto illegal drug trafficking, terrorist activities, illegal gambling and other illicit criminal activities. This courseexplains the purpose of the Bank Secrecy Act, violations and penalties for non-compliance with the Act, andwhich transactions require a Currency Transaction Report (CTR). Students will also be able to match therecordkeeping and exemption identification individual requirements to individuals purchasing coveredinstruments.

20204TRSBSA: Trust Department Responsibility30 minute tutorialThe products and services it offers make a financial institution's Trust Department an attractive target for moneylaunderers or even terrorist financers. This course teaches trust department employees the purpose of the BankSecrecy Act, the importance of risk assessment in BSA compliance, how to follow a Customer IdentificationProgram, and what sorts of suspicious activity to be on the alert for.

OFAC

1286OFAC: Don't Do Business with Your Enemies10 minute tutorialThis video, recommended for or any staff member in the position to screen any customer or prospect againstthe OFAC list, addresses the origins of OFAC, transactions affected by OFAC, who must comply with OFAC,and the penalties for noncompliance.

20031Understanding OFAC30 minute tutorial | CFSSP | CRCM | 0.75This 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 allexperience levels and includes audio, role-specific scenarios, and case studies.


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Suspicious Activity Reports

1296SAR: Be On Guard25 minute tutorialThis 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 SuspiciousActivity Report, and the parts of the SAR.

20083SAR: Be on Guard60 minute tutorial | CFSSP | CRCM | CSOP | 0.75In 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 ActivityReport. The course also addresses when a Suspicious Activity Report is required to be completed and filed, andhow to correctly file a Suspicious Activity Report.

20205LENSAR: Lender Awareness30 minute tutorial | CRCM | CLBB | 0.75Like tellers, lenders have face-to-face contact with customers each day, putting them in a unique position todetect suspicious activity – as long as they know what to look for. Designed with the lenders' specific jobfunctions in mind, this program teaches lenders to recognize suspicious activity and when it is theirresponsibility to report it. Lenders will also learn the importance of providing complete and accurateinformation when completing a Suspicious Activity Report and the significance of maintaining strictconfidentiality regarding these reports.

20205MGTSAR: Management's Involvement60 minute tutorialAs FinCEN becomes increasingly inundated with "defensively filed" Suspicious Activity Reports, managementneeds to recognize the importance of filing complete, accurate, and detailed reports. Created withmanagement's responsibilities in mind, this course explains how to establish an institution-wide "culture ofcompliance," offers guidance on what constitutes reportable activities or transactions, covers the varioussections of the Suspicious Activity Report, details recordkeeping and confidentiality requirements, and providestrue-to-life case-studies for each suspicious activity characterization.


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20205OPSSAR: Essentials for Operations60 minute tutorial | CFSSP | CRCM | CSOP | 0.75Although operations personnel seldom interact with the customers they service, their role in detectingsuspicious activity is essential. In addition to introducing back office employees to various scams they mightencounter, this course covers how to identify suspicious transactions and when you are required to reportsuspicious activity. This course also helps you to recognize the importance of keeping Suspicious ActivityReports confidential and the importance of providing complete and accurate information when reportingsuspicious activity.

20205TELSAR: Tellers on the Alert45 minute tutorial | CRCM | 0.75Given the high volume of customers that tellers serve each day, you can imagine how these employees couldeasily overlook or ignore suspicious activity. This course familiarizes tellers with the types of financial crimes orunusual transactions they will likely encounter in their daily routine, and how to effectively handle them. Alsoincluded is instruction on the purpose and necessity of Suspicious Activity Reports, and the importance ofproviding accurate accounts and maintaining strict confidentiality.

USA PATRIOT Act

20087USA PATRIOT Act60 minute tutorial | CFSSP | CRCM | 1.25In this course, intended for all personnel, you will learn how to identify aspects of anti-money launderingprograms, 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.

20308USA PATRIOT Act: The Financial Perspective45 minute tutorialThis course is designed for financial institution professionals who need knowledge of the programs andprocedural 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 requiredue diligence; recognizing the main elements of a Customer Identification Program and recognizing the mainelements of OFAC compliance.


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Customer Identification Program

20107CIP: Identity Verification and Compliance60 minute tutorial | CFSSP | CRCM | CSOP | CLBB | CFMP | CTFA-FID | CCTS | CISP | CRSP | 0.75This 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 mustobtain, the steps necessary for verifying information, what to do when information cannot be verified, therequirements of your Customer Identification Program, and CIP recordkeeping and notice requirements.


FINANCIAL PRODUCTSAND SERVICES LAWS &REGULATIONS

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Privacy

1297Privacy: Protect Your Institution17 minute tutorialThis video, recommended for tellers, frontline personnel and customer service representatives, addressescustomer confidentiality, different types of electronic scams, including identity theft, and employees’responsibility to protect themselves, the institution and your customers from criminal activity.

20034Right to Financial Privacy Act60 minute tutorialThis course, intended for all employees, addresses which records are covered under the Right to FinancialPrivacy Act, the privacy responsibilities of institutions, approved methods for federal agencies to requestfinancial records, when customers may challenge requests by authorities to obtain financial records, whichreports must be completed when criminal activity is suspected, and which records the federal government willnot provide reimbursement for.

20301Understanding Privacy: The Essentials30 minute tutorial | CRCM | 0.75This short program, designed as a digestible introduction, breaks the regulations down to the essentials so thattellers, new account reps and lenders can more easily comprehend your institution’s privacy policy, and moreaccurately explain this policy to customers and consumers. Subjects covered include key terms and definitions,privacy notices, consumers’ right to opt out, and exceptions to this right.

20604HIPAA for Financial Institutions60 minute tutorial | CRCM | 1.25In this course, you will learn what the HIPAA-HITECH requirements are for financial institutions. You willunderstand the differences between a Covered Entity and a Business Associate, and you should be able todetermine whether or not your institution falls under either definition. We'll also cover some of theconsequences for failing to comply with HIPAA and provide a roadmap to help you achieve compliance.

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20033BACKPrivacy for Back Office Personnel – Opt-Out Edition60 minute tutorialThis course, recommended for back office personnel, will provide personnel with the skills to identify how toapply the main tenets of the Privacy rules. This course also discusses customers vs. consumers, and nonpublicpersonal information's relationship with personally identifiable financial information and publicly availableinformation. Upon completion of this course, back office personnel will understand logistical and content detailsof what the privacy notice must contain. This course also provides a section for financial institutions with a formto opt-out, as well as a section for those organizations who do not offer an opt-out.

20033BACKNOPrivacy for Back Office Personnel – No Opt-Out Edition60 minute tutorialThis course, recommended for back office personnel, will provide personnel with the skills to apply the maintenets of the Privacy rules. This course also discusses customers vs. consumers, and nonpublic personalinformation's relationship with personally identifiable financial information and publicly available information.Upon completion of this course, back office personnel will understand logistical and content details of what theprivacy notice must contain.

20033BASPrivacy Compliance Basics60 minute tutorial | CFSSP | CRCM | CSOP | 1.25This overview course, intended for all financial institution employees, provides a basic summary of privacyconcepts and regulations that affect financial institutions, indicates the requirements for privacy notices,identifies the rules for sharing consumers' and customers' personal information with affiliates and third parties,and describes what a privacy breach is and how to respond to one appropriately.

20033COMPrivacy for Compliance Officers – Opt-Out Edition60 minute tutorial | CRCM | 1.25In this course, recommended for compliance officers, risk management personnel, and training staff, you willlearn the three main tenets of Privacy regulations and how the GLBA is associated with FCRA, RFPA, BSA, andother regulations; differentiate customers from consumers and relate how those differences apply toinformation sharing; identify personally identifiable financial information and publicly available information tofully understand what constitutes nonpublic personal information; determine the difference between affiliatesand nonaffiliated third parties--and understand how affiliates may share information; apply logistical details ofprivacy disclosure notices, such as timing and retention; and recall specific details of the privacy notice andwhat it must contain, as well as how to provide a means for consumers to opt-out of sharing.


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20033COMNOPrivacy for Compliance Officers – No Opt-Out Edition60 minute tutorialIn this course, recommended for compliance officers, risk management personnel, and training staff, you willlearn the three main tenets of Privacy regulations and how the GLBA is associated with FCRA, RFPA, BSA, andother regulations; differentiate customers from consumers and relate how those differences apply toinformation sharing; identify personally identifiable financial information and publicly available information tofully understand what constitutes nonpublic personal information; determine the difference between affiliatesand nonaffiliated third parties--and understand how affiliates may share information; apply logistical details ofprivacy disclosure notices, such as timing and retention; and recall specific details of the privacy notice andwhat it must contain.

20033FRNTPrivacy for Frontline Personnel – Opt-Out Edition45 minute tutorialIn this course, recommended for frontline representatives, risk management personnel, and training staff, youwill learn the three main tenets of Privacy regulations and how the GLBA is associated with FCRA, RFPA, BSA,and other regulations; differentiate customers from consumers and relate how those differences apply toinformation sharing; identify personally identifiable financial information and publicly available information tofully understand what constitutes nonpublic personal information; determine the difference between affiliatesand nonaffiliated third parties--and understand how affiliates may share information; apply logistical details ofprivacy disclosure notices, such as timing and retention; and recall specific details about the content of theprivacy notice and what it must contain, as well as how to provide a means for consumers to opt-out of sharing.

20033FRNTNOPrivacy for Frontline Personnel – No Opt-Out Edition45 minute tutorialIn this course, recommended for frontline representatives, risk management personnel, and training staff, youwill learn how to identify the three main tenets of Privacy regulations and how the GLBA is associated withFCRA, RFPA, BSA, and other regulations; differentiate customers from consumers and relate how thosedifferences apply to information sharing; identify personally identifiable financial information and publiclyavailable information to fully understand what constitutes nonpublic personal information; determine thedifference between affiliates and nonaffiliated third parties--and understand how affiliates may shareinformation; and apply logistical details of privacy disclosure notices, such as timing and retention.


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20033MGTPrivacy for Management – Opt-Out Edition30 minute tutorialThe rapid growth of technology has created new ways to share information--unfortunately, some of thatinformation may be private. In this course, intended for management personnel, risk management personnel,and training staff, you will learn the three main tenets of Privacy regulations and how the GLBA is associatedwith FCRA, RFPA, BSA, and other regulations; identify personally identifiable financial information and publiclyavailable information to fully understand what constitutes nonpublic personal information; differentiatecustomers from consumers and relate how those differences apply to information sharing; and apply logisticaldetails of privacy disclosure notices, such as timing and retention.

20033MGTNOPrivacy for Management – No Opt-Out Edition30 minute tutorialThe rapid growth of technology has created new ways to share information--unfortunately, some of thatinformation may be private. In this course, intended for management personnel, risk management personnel,and training staff, you will learn the three main tenets of Privacy regulations and how the GLBA is associatedwith FCRA, RFPA, BSA, and other regulations; identify personally identifiable financial information and publiclyavailable information to fully understand what constitutes nonpublic personal information; differentiatecustomers from consumers and relate how those differences apply to information sharing; and apply logisticaldetails of privacy disclosure notices, such as timing and retention.

Regulation CC

1312Reg CC: Funds Availability Simplified15 minute tutorialThis video, recommended for tellers and teller supervisors, addresses the provisions of Reg CC, the First $200Rule, protecting your institution against losses by utilizing holds, and improving your institution's image byeffectively communicating hold policies to your customers.

20019Reg CC: An Overview30 minute tutorial | CRCM | 0.75This course, recommended for all personnel, gives employees a better understanding of Regulation CC,including its purpose, institutional requirements, and institutions and accounts that are affected by it.

20020Reg CC: How to Comply45 minute tutorial | CRCM | 2.00This course, recommended for new hires and front-line employees who handle checks, teaches the ins and outsof how to comply with this complex regulation. This tutorial covers why different holds are allowed for differenttypes of deposits, what the maximum amounts of holds are, how to identify the correct calendar date on whichfunds must be available and much more.


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20021Reg CC: Exceptions and the $200 Rule30 minute tutorial | CRCM | 1.25This course, recommended for all employees who handle checks, teaches about the exceptions allowed underReg CC. This tutorial covers Reg CC rules for handling exceptions to normal funds availability requirements. Itwill help you identify situations where the First $200 Rule applies and recognize deposit items that areexceptions to normal availability requirements.

20022Reg CC: Customer Disclosures30 minute tutorial | CRCM | 1.25This course, recommended for any employee who handles checks, teaches your tellers and front-lineemployees about the disclosures required by this complex regulation. It covers how and when to informcustomers of hold policies, how to handle check endorsements properly, and the disclosure process to follow inexceptional situations.

20088Reg CC: An Overview of Check Fraud Prevention60 minute tutorialThis course, intended for tellers, new accounts representatives, and security personnel, addresses who commitscheck fraud, the purpose of Reg CC and its impact on institutions, the limits on deposit holds, and special rulesfor depositing funds. The course also examines blanket vs. case-by-case hold policies, and how disclosurerequirements, customer service, and fraud prevention are related.

20089Reg CC: New Account Security60 minute tutorialIn this course, intended for tellers, new accounts representatives, and security personnel, you will learn how todefine new account fraud, recognize traits of con artists and how criminals commit new account fraud,determine how to properly identify depositors and verify their IDs, and recognize (and prevent) new accountfraud.

20090Reg CC: Check Kiting60 minute tutorialThis course, intended for tellers, front-line employees, and security personnel, examines the check kitingprocess, the characteristics of check kiters, clues that indicate check kiting attempts, and ways to prevent checkkiting.


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Regulation E

20013Reg E: Key Disclosures and Liability60 minute tutorial | CRCM | CSOP | 1.25This course, recommend for all personnel, discusses the key elements of Regulation E, ranging from transfersand liability to disclosures and documentation. The course addresses authorized, unauthorized andpreauthorized transfers, consumer and institutional liability for unauthorized transfers, what must be included inthe required disclosures, and when they should be provided to consumers.

20014Reg E: Handling Errors and Complaints45 minute tutorial | CRCM | CSOP | 0.75This course, recommended for front-line employees, teller supervisors, operations officers, branch managers,staff trainers, and compliance officers, covers what an EFT error is, what procedures must be followed wheninvestigating and resolving errors, how the rules differ for new accounts, foreign or point-of-sale accounts andmuch more.

20336Reg E: EFT and Overdraft Compliance30 minute tutorial | CFSSP | CRCM | 0.75This course, appropriate for all employees, is designed to give students a basic understanding of the Reg Erules that regulate Electronic Fund Transfers (EFTs) and overdraft protection services. Upon completion of thiscourse, students will be able to recognize how Reg E applies in today’s world and why it originated, distinguishbetween types of EFTs and other transactions covered under Reg E, identify which transactions requireconsumers to opt-in before being charged a fee for overdraft protection services, and consider theconsequences of violating Reg E.

20377Reg E: The Remittance Rule45 minute tutorial | CRCM | 0.75Institutions that transmit remittances to foreign countries must provide their customers with very specificinformation about the remittances. This course, recommended for front-line employees, describes theRemittance Rule and the information it requires you to disclose. You will also learn about the "safe harbor"exceptions to the Remittance Rule.


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20400Reg E Game Show45 minute tutorialUse this game show course to liven up Reg E training for your front-line employees! Specially built for theclassroom setting, this Jeopardy-like course was developed to test employee knowledge regarding all facets ofReg E compliance, with categories such as EFTs and Overdraft Compliance, Liabilities and Disclosures, andHandling Errors and Complaints. This course also includes an instructional guide for the host to help conductthe classroom session, and printable score sheets for students. With questions that utilize applicable employeescenarios, as well as standard procedures, your students will be excited about Reg E compliance and dailycustomer interactions!

IRAs and Education Savings Accounts

20032IRA Fundamentals60 minute tutorialThis course, recommended for employees with high customer contact, identifies the common characteristicsfound in IRAs, the aspects of Traditional IRAs and Roth IRAs, and the differences between the two. Students willalso learn the benefits and requirements of a Coverdell Education Savings Account.

Identity Theft

20037Identity Theft: Minimize the Risk45 minute tutorial | CFSSP | CRCM | 1.25In this course, intended for new accounts personnel, tellers, customer service representatives, and loan officers,you will learn how to identify the various scams and schemes criminals use to access and exploit sensitiveidentity information.

20327Information Security: Preventing Identity Theft45 minute tutorial | CFSSP | 0.75This course, recommended for any employees who handle identifying or sensitive information, can help yourfinancial institution become proactive instead of reactive with the following topics: the definition of identitytheft, which types of customer information to protect, how to detect identity theft, common scams, and how toprevent identity theft in six steps with the S.E.C.U.R.E. method.

20328Identity Theft "Red Flags": Duties of Financial Institutions and Creditors45 minute tutorial | CFSSP | CRCM | 1.25This course will help you recognize identity theft Red Flags; identify the requirements of an institution todevelop, implement, and maintain an identity theft prevention program; determine the procedures required forcredit report users when confronted with a Notice of Address Discrepancy from a consumer reporting agency;and apply appropriate methods for issuing credit or debit cards when confronted with an address change.


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20360Cybercrime Essentials for Financial Institutions15 minute tutorial If you don’t know how to protect yourself, cybercrime can cost your institution millions of dollars each year.Upon completion of this course, recommended for all employees who handle sensitive information, users willbe able to explain how the cyber black market operates and just how much cybercrime affects an organization’sbottom line. In addition, users will recognize how sensitive information is compromised and identify 10 ways toprotect themselves and their organization.

20361Email Security for Financial Institutions30 minute tutorialThink of all the emails you send each day – how do you know they are secure? Upon completion of this course,recommended for all employees, you’ll understand why emails at your financial institution need to be secure. Inaddition, you’ll be able to identify how to mitigate threats to email such as viruses, spam, and worms, and youwill be able to apply tips and email security tools that will help to decrease risk at your institution.

20362Password Security for Financial Institutions30 minute tutorialPasswords are an essential component of financial institution security. Upon completion of this course,recommended for all employees, you will understand why and how passwords are used, know tips for creating,updating, and maintaining strong passwords, and recognize when a password has been compromised.

20363Social Engineering Essentials for Financial Institutions30 minute tutorialSocial engineering is a real threat to financial institutions. However, upon completion of this course,recommended for all employees, you’ll be able to explain how social engineers are successful at gainingsensitive information or privileged access, identify social engineering techniques, and demonstrate how toprotect your institution against social engineering.

20364Social Media Security for Financial Institutions30 minute tutorialUpon completion of this social media course, recommended for all employees, you’ll be able to explain howsocial media enables social networking, and how social tools have evolved the way that financial institutionsspeak with their customers and members. In addition, you’ll be able to identify social media threats that couldharm your financial institution and apply safe behaviors to use while on social media to prevent risk for yourfinancial institution.


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20365Internet Security Essentials for Financial Institutions30 minute tutorialUtilizing the internet in some form is an essential part of most business activity. Upon completion of this course,recommended for all employees who handle sensitive information, users will recognize common myths aboutinternet use, have a better understanding of the vulnerabilities inherent in “Web 2.0” technologies, anddemonstrate familiarity with the origin of malware and common ways to protect themselves from it.

20366Defense Against Social Engineering: Phishing30 minute tutorialPhishing is a common technique that hackers use to steal valuable information. Upon completion of this course,recommended for all employees who handle sensitive information, you’ll be able to identify how phishingapplies to your financial institution, recognize the types of phishing attacks, and determine how you can play arole in protecting your institution from phishing.

20367Defense Against Social Engineering: Impersonation15 minute tutorialImpersonation is a low-tech method that criminals use to infiltrate an institution. Upon completion of thiscourse, recommended for all employees, you’ll be able to determine the goal of impersonators and identify thecommon roles they assume, explain typical ways impersonators carry out social engineering attacks, andrecognize how to defend your institution from social engineering impersonation.

20368Defense Against Social Engineering: Pretexting30 minute tutorialHackers use pretexting to manipulate employees into divulging company secrets. Upon completion of thiscourse, recommended for all employees who handle sensitive information, you’ll be able to describe the role oftrust in pretexting, identify common pretexts, summarize the stages of a hypothetical pretext, and determinehow to protect your institution from pretexting.

20369Online Threat Defense for Financial Institutions30 minute tutorialFinancial institutions are facing increased risks from online assailants. Upon completion of this course,recommended for all employees who handle sensitive information, users will be able to avoid security issues inweb browsers, explain the hacking technique known as Cross-Site Scripting, identify issues related to URLsecurity, and differentiate between online threats and methods of defense.


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20370Data and Records Retention Essentials for Financial Institutions30 minute tutorialFinancial institutions are required to maintain records on a variety of subjects. Upon completion of this course,recommended for employees who handle sensitive information, you’ll be able to determine why we retaincertain types of data, identify the type of records to retain, where to retain them, and the duration they shouldbe retained. In addition, you’ll be able to describe the types of destructible data and proper destructionmethods.

Truth in Savings

20047TISA: An Overview30 minute tutorial | CRCM | CFMP | 0.75In this course, intended for new hires, frontline personnel, and any employee exposed to this regulation, youwill learn how the purpose of the Truth in Savings Act, what accounts are covered under the Truth in SavingsAct, who must comply with the Truth in Savings Act, and the disclosure requirements of the Truth in SavingsAct.

20048TISA: Disclosure Requirements60 minute tutorialIn this course, intended for new hires, frontline personnel, and any employee exposed to this regulation, youwill learn why and when disclosures are needed, which disclosures are needed before an account is opened,and which disclosures are needed when changes occur.

20049TISA: Calculating Interest60 minute tutorialIn this course, intended for compliance officers, you will learn permissible methods of interest calculation, thedefinition of Annual Percentage Yield (APY) and the rules that pertain to it, and the rules to follow regarding thecompounding of interest.

20050TISA: Advertising Compliance30 minute tutorialIn this course, intended for all frontline employees and compliance officers, you will learn how TISA regulatesthe advertising of deposit accounts, which words trigger disclosures, and which advertising records must beobtained.


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Federal Deposit Insurance

20074FDIC: An Overview30 minute tutorialThis course, intended for tellers and new account representatives, addresses why the FDIC was established,how it relates to member banks, how deposits are protected by the government, the requirements formembership, and what happens when a bank fails.

20075FDIC: Federally Insured Accounts75 minute tutorial | CRCM | CTFA-FID | 1.25This course, intended for tellers and new accounts representatives, examines which accounts are covered bythe FDIC, the seven different ownership categories, whether or not accounts fit into the same ownership class,and the differences between trusts, testamentary, and fiduciary accounts.

20076FDIC: Employee Benefit Plans30 minute tutorialThis course, intended for tellers and new accounts representatives, examines the elements of an employeebenefit plan, the concept of pass-through insurance and identity-related exceptions, and the definition ofvested insurance.

Trusts

20091Trust Compliance90 minute tutorialIn this course, intended for Trust Department personnel and boards of directors, you will learn the functions andresponsibilities of a Trust Department how the regulations relate, how to comply, and what to avoid, and therecords and disclosures required.

Reg D: Reserve Requirements

20114Reg D: Reserve Requirements30 minute tutorial | CRCM | 0.75This course, recommended for tellers, new accounts representatives and supervisors, and customer servicerepresentatives, describes the basic rationale behind Reg D, your institutions responsibilities regarding Reg D,what types of accounts are affected, and Reg D's impact on customers.


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Check 21

20121Check 21: Purpose of the Act30 minute tutorial | CFSSP | CRCM | CSOP | 0.75This course, designed for all employees, is an introduction to Check 21. It covers the three main purposes ofCheck 21, the features of a substitute check, and how Check 21 can improve the overall efficiency of thenation's payment system.

Health Savings Accounts

20210Health Savings Accounts: Benefits and Requirements30 minute tutorialAs healthcare costs continue to rise and coverage continues to decline, Health Savings Accounts may helpeligible consumers meet their healthcare needs. With this short tutorial, new account representatives and otherfrontline personnel will learn the benefits, eligibility requirements, contribution guidelines, and IRS paperworkassociated with this deposit product.

Insurance

20213Consumer Protection in Sales of Insurance: Requirements and Prohibitions30 minute tutorialBanks that sell non-deposit products such as insurance and annuities must be sure to maintain compliance withthe Consumer Protection in Sales of Insurance regulations. This brief program, designed for any bank personnelinvolved in the sale of insurance and/or annuities, examines why consumer protection rules were established,which practices are prohibited and why, how and when to make required disclosures, and the major exceptionsto disclosure rules.

Regulation GG

20338Understanding Reg GG: The Unlawful Internet Gambling Enforcement Act (UIGEA)45 minute tutorial | CFSSP | CRCM | 0.75This course, recommended for customer-facing staff and their supervisors, is designed to help your employeesunderstand the history and purpose of Reg GG and will help your team develop procedures for implementingpolicies designed to prevent payments to gambling businesses in connection with unlawful Internet gambling.This course also covers designated payment systems such as Automated Clearing Houses, and how to employdue diligence at your institution.


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Regulation II

20348Reg II: How Interchange Fees Affect Your Institution30 minute tutorial | CFSSP | CRCM | 0.75This course is designed to help management, executives, and compliance staff determine how their institutionsare most affected by interchange fee rules. Upon completion of this course, staff will be able to apply importantReg II terms, identify the interchange fee amounts dictated by Reg II, apply proper processing proceduresrelated to network exclusivity, and will understand dates for compliance.

Mortgage Lending

20371Before You Foreclose45 minute tutorialThis course, recommended for mortgage lenders and other employees involved in the foreclosure process,describes the responsibilities your institution will have as a property owner and enables you to conduct a properfile review in order to preempt legal objections from the borrower.

ACH

20600The Automated Clearing House (ACH) Network60 minute tutorial | CRCM | CSOP | 1.25This course - intended for processing, customer service, and compliance personnel - covers the ACH networkprocess, including duties of ODFIs and RDFIs. Requirements, including timelines for returns and stop payments,as well as compliance under the NACHA Rules, will also be covered.

International Banking

20601The Foreign Corrupt Practices Act45 minute tutorial | CFSSP | CRCM | CSOP | 0.75This course - intended for bank executives, the board of directors, and the accounting department - definesbribery, emphasizes the importance of following accounting provisions, and explains compliance initiatives,including the risk of non-compliance.

20602Foreign Account Tax Compliance Act (FATCA)45 minute tutorial | CFSSP | CRCM | CSOP | CCTS | CISP | CRSP | CTFA | 1.00This course, intended for individuals responsible for tax reporting, will explain the Foreign Account TaxCompliance Act (FATCA). It will define Foreign Financial Institutions (FFI) and US taxpayers, including thereporting responsibilities and timelines for each.


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20603International Banking Facilities (IBF)30 minute tutorial | CFSSP | CRCM | 0.75This course, intended for management, explains and defines International Banking Facilities (IBFs), includingcriteria to become and IBF. Services provided by and advantages of IBFs will also be covered.

Nondeposit Investment Products

20132Nondeposit Investment Products (NDIPs) for Frontline Employees30 minute tutorialThis course, designed for frontline employees, covers Nondeposit Investment Products (NDIPs) and the referralprocess required under the Interagency Statement on Retail Sales of Nondeposit Investment Products.

20133Nondeposit Investment Products (NDIPs) for Management30 minute tutorialThis course, designed for managment, covers Nondeposit Investment Products (NDIPs) and compliance,including management's responsibilities.


For more information, or to request a demo,

please contact us at 800.264.7600 or [email protected].

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bai banking series 2016 · 2020-06-05 · training solutions bai learning & development...

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