Bank Secrecy Act. Job-specific BSA tracks Related case studies Suggested courses

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1 Bak Secrecy Act Whether your bak is big or small, Bak Secrecy Act (BSA) compliace ofte feels overwhelmig due to the complexities ad related processes ad procedures surroudig this ever-chagig legislatio. I buildig the comprehesive 24-course BakersEdge Ati-Moey Lauderig curriculum, we grouped our BSA offerigs ito job-specific tracks, so employees ca take oly the courses that pertai to them. Comprised of three compoets, the curriculum icludes: Job-specific BSA tracks Related case studies Suggested courses BakersEdge is the corerstoe for your aual BSA traiig. To help you build a more maageable BSA traiig program, we recommed the followig three-year pla for your bak: First Year Build a foudatio for your iitial BSA traiig for ew hires ad BSA traiig for existig employees to meet the aual traiig requiremets. Secod Year Create a curriculum focused o idividual job resposibilities with our job-specific courses. Our courses vary i legth ad are supported by a costatly evolvig list of real-world case studies. Third Year Costruct a traiig pla focused o meetig your aual BSA traiig requiremets. Explore our ew BSA courses, updated case studies ad topical subjects all desiged to fulfill your BSA traiig eeds. Great BSA/AML traiig! The courses are very complete, thorough, iformative ad user-friedly ad have bee satisfactorily evaluated by regulators ad auditors. AML/BSA Officer

2 Job-Specific BSA Tracks Courses i the BakersEdge Job-Specific BSA Tracks target specific skill sets, ad offer a more focused, refied traiig experiece. Each job-specific track offers traditioal-legth courses augmeted by 15-miute case studies tailored for each role. The case studies serve as sceario-drive role-playig exercises, where employees apply what they have leared by participatig i real-world examples. BSA Track Comprised of three core courses, the flexible BSA track provides a opportuity for you to create a customized learig experiece by addig job-specific courses, supportig courses ad case studies. Bak Secrecy Act 09B3R4.0 This well-rouded course itroduces all ew bak employees to the cocepts ad priciples of the BSA. Currecy Trasactio Reportig 91B1R4.2 Explore Currecy Trasactio Reportig (CTR) requiremets, ad a poit-by-poit guide to submittig a report. Suspicious Activity Reportig 95B3R4.2 Review customer idetificatio ad types of suspicious activity, also lear how to submit a report.

3 Teller Track BSA for Tellers 118B3R MIN. Take a closer look at the BSA, importat legislatio that helps the U.S. combat moey-lauderig ad other illegal fiacial activity. Lear about the idetificatio ad trasactio reportig requiremets ecessary to help deter moey-lauderig at your bak. Who should take this course: Bak employees who facilitate typical teller widow trasactios, such as: Hadle deposits ad withdrawals from deposit accouts Receive paymets o loa accouts Make trasfers from accout to accout Sell cashier s ad teller s checks Assist with balace iquiries Case Studies A Little Kowledge is Dagerous M04B3R MIN. This case study presets a customer who believes he has discovered a tax loophole ad attempts to structure currecy trasactios to avoid the currecy trasactio reportig requiremet. Busiess is Boomig M03B3R MIN. Why would a busiess checkig accout customer who plas to deposit $16, to his accout raise a red flag? Fid out i this comprehesive case study. Coect the Dots M06B3R MIN. Explore a suspicious sceario where multiple customers work together to structure a currecy trasactio to avoid the reportig requiremet. What are Frieds For? M05B3R MIN. I this case study, a customer structures currecy trasactios by havig a exempt perso make the deposit to avoid the currecy trasactio reportig requiremet.

4 Leder Track BSA for Leders 119B3R MIN. Lear about the Bak Secrecy Act (BSA), essetial legislatio that helps the U.S. combat moey-lauderig ad other illegal fiacial activity. Gai a better uderstadig of the idetificatio ad trasactio reportig requiremets ecessary to help deter moey-lauderig at your istitutio. Who should take this course: Loa officers who do ot accept paymets o loa accouts, but who primarily: Review loa applicatios ad accompayig documetatio, Ope loa accouts Aswer questios from loa applicats ad borrowers Compile customer idetificatio iformatio Case Studies What City, Please? M07B3R MIN. Loa officers ecouter the BSA primarily through the customer idetificatio requiremets. This case illustrates some of the complicatios ivolved whe a customer is less tha forthcomig with some iformatio. What Will They Thik of Next? M08B3R MIN. Although loa side suspicious trasactios may ot be as commo as those related to deposit, loa officers still should be aware of the differet kids of fraud that ca occur i coectio with loas. What s a Loa Amog Frieds M09B3R MIN. Violatios of the isider ledig rules ca trigger the requiremet that you file a SAR. Walk through such a sceario i this case study.

5 Operatios Track BSA for Directors & Seior Maagemet CO5B3R MIN. Review what the regulatory agecies promote as the importat BSA resposibilities of directors ad seior maagemet. Explore a overview of BSA requiremets i geeral, so seior maagemet ad board members have a idea of the rage of requiremets with which their istitutios must comply. Case Studies Coupo Redemptio M12B3R MIN. Because of the accout records they have access to, operatios employees frequetly see evidece of fraud that other istitutio employees do ot. Ghost i the System M13B3R MIN. Studyig accout records ad geerally beig tued i to what to look for may help reveal fraud. I this case study, a operatios employee suspects fraud whe she coects iformatio she reads i the ewspaper with iformatio she sees i a customer s accout records. Larry s Food Mart or Larry s Laudry? M10B3R MIN. Fiacial istitutio employees who process data ad file forms are also subject to the BSA requiremets. Occasioally, these employees may come across somethig that raises cocers. Explore a situatio i which a istitutio may wat to file a SAR. Miguel s Dilemma M11B3R MIN. Idividuals who wat to avoid the CTR requiremets sometimes employ ATMs to do so. This case study covers activities that might raise suspicio.

6 Customer Service Track BSA for Customer Service Represetatives 124B3R MIN. Gai a better uderstadig of the BSA, essetial legislatio that helps the U.S. combat moey-lauderig ad other illegal fiacial activity. Lear about the idetificatio ad trasactio reportig requiremets ecessary to help deter moey-lauderig at your bak. Who should take this course: Customer service represetatives who: Ope deposit accouts Facilitate wire trasfers Fill out currecy trasactio reports Detect ad report suspicious activity Sell cashier s ad teller s checks, ad other moetary istrumets College Daze M15B3R MIN. Review the record-keepig ad verificatio procedures that must occur whe a istitutio facilitates a wire trasfer betwee a mother ad her so at college. Hello, Strager. M18B3R MIN. If a customer refuses to provide sufficiet iformatio upo tryig to ope accout, discover why you should ot ope a accout. Is It or Is t It? M17B3R MIN. See how the CTR, SAR, ad fuds-trasfer rules could come ito play simultaeously, or at least may eed to be cosidered cocurretly i a sigle trasactio. The Owl s Cry M16B3R MIN. Lear about the record-keepig ad idetity verificatio procedures that must occur whe a istitutio receives a wire trasfer o someoe s behalf. There s Gotta be a Better Way! M14B3R MIN. This case study presets a customer who may be eligible for placemet o the istitutio s exempt list the list of customers whose currecy trasactios are exempt from the reportig requiremet.

7 Suggested Courses The followig BakersEdge courses support all of the job-specific tracks: Bak Secrecy Act (BSA) 09B3R MIN. This course itroduces you to the BSA, a key piece of legislatio that helps the U.S. combat moeylauderig ad other illegal fiacial activity. This course also discusses what types of idetificatio requiremets ad trasactio reportig is ecessary to help deter moey lauderig at your istitutio. Currecy Trasactio Reportig 2B1R MIN. The primary purpose of the BSA is to prevet ad detect moey-lauderig activity through fiacial istitutios ad certai other busiesses i the Uited States. This course focuses o the currecy trasactio reportig (CTR) requiremets of the BSA. Suspicious Activity Reportig 95B3R MIN. The BSA ad other AML laws require that fiacial istitutios provide the govermet with iformatio to help detect, ivestigate ad prosecute moey-lauderers. Specifically, the law requires that istitutios: Properly idetify customers whe establishig accouts Report large currecy trasactios Keep records of cash sales of egotiable istrumets Report suspicious activities This course focuses o suspicious activity reportig requiremets. Related Courses Customize your BSA traiig program by addig with these related BakersEdge courses: Ati-Moey Lauderig Ati-Terrorism Customer Idetificatio Programs Ethics for Bakers Frauds & Scams Office of Foreig Assets Cotrol OFAC Pretext Callig ad Idetity Theft Security of Customer Iformatio 34B3R4.0 58B3R4.0 70B3R4.0 63B1R4.0 48B1R4.1 12B3R4.0 35B3R4.0 57B3R4.0