ABA Compliance Schools

Transcription

1 Look iside to fid the essetial compliace traiig you eed ow. ABA Compliace Schools October 19 25, 2013 l Atlata, Georgia ABA Natioal Compliace School ABA Graduate School of Compliace Risk Maagemet Chart Your Course with Cofidece aba.com l BANKERS

2 Practical educatio to help protect your bak ad advace your career. Dear Colleague: The ABA Natioal Compliace School gave me a regulatory road map ad the cofidece to use it.. I leared how to better avigate the regulatios, to embrace them, ad to feel more cofidet readig them ad applyig the kowledge.. Probably oe of the best traiigs atteded over my 26 year bakig career. Joh Fladers SVP/Admiistratio The Nashua Bak The faculty ad staff of the ABA Compliace Schools are pleased to offer you a outstadig, face-to-face iteractive educatioal opportuity this October i Atlata. Applicatios are ow beig accepted for: ABA Natioal Compliace School October 19-25, 2013 ABA Graduate School of Compliace Risk Maagemet October 20-25, 2013 Grouded i a curriculum developed by regulatory officials ad idustry leaders, ad taught by ABA s atioally recogized faculty of compliace practitioers ad experts, ABA Compliace Schools deliver valuable, practical preparatio ad traiig critical to cofidet performace. Course offerigs meet the eeds of professioals at every level of experiece or expertise. Atted the ABA Natioal Compliace School first to gai a firm foudatio i how to comply with core federal bakig laws ad regulatios or to refresh your compliace kowledge. The curriculum has bee updated to iclude ew ledig requiremets to be implemeted i Jauary You ca tailor your learig to fit your particular traiig ad professioal eeds ad schedule attedig the etire school or selectig from its two primary modules. Please see page 5 for more iformatio o the ABA Natioal Compliace School. The ABA Graduate School of Compliace Risk Maagemet offers advaced traiig to help you gai the essetial skills eeded to ehace your orgaizatio s compliace program throughout the compliace risk maagemet life cycle of settig ad measurig cotrols with busiess leaders ad exteral forces. Please see page 9 to lear more about this premier advaced-level compliace traiig program. Apply or Nomiate ow! With more tha 30 years of experiece educatig bak compliace professioals, ABA Compliace Schools are recogized as the premier source of skill-buildig compliace traiig. Sicerely, Michael D. Maher, CRCM, CRP Chair, Advisory Board, ABA Compliace Schools 2

3 Master the kowledge you eed to avigate regulatory compliace. I this uprecedeted time of regulatory chage, fiacial istitutios are bracig for the widespread impact of fialized regulatios. That s why it s critical for you ad your compliace team to prepare for ad safely avigate all aspects of Ledig ad Deposit regulatios with cofidece. ABA Compliace Schools will provide you with the must-have kowledge, skills, ad soud guidace you eed to protect your bak. Led by the outstadig faculty ad umatched resources of the America Bakers Associatio, there is o substitute for these comprehesive classroom traiig programs. You ll lear from actual case studies ad useful strategies. Ad you ll form valuable, ogoig coectios with experts i the field ad colleagues who have met ad mastered the same challeges you face at your istitutio. See pages 5 10 for detailed curriculum descriptios. Expert istructio from the atio s premier source of compliace traiig. With more tha 30 years of experiece educatig bak compliace professioals, ABA Compliace Schools are widely recogized as the premier source of compliace traiig. ABA s reputatio for outstadig professioal educatio speaks for itself with more tha 10,000 Compliace School graduates workig throughout the atio. Studets will receive a Certificate of Completio for each ABA Compliace School they atted. Ehace your professioal credetials with valuable CRCM certificatio. ABA Compliace Schools provide you with a excellet way to attai the Certified Regulatory Compliace Maager (CRCM) professioal certificatio from The Istitute of Certified Bakers (ICB). Or, if you already hold your CRCM, you will receive cotiuig educatio credits towards keepig your certificatio curret. Earig a CRCM REQUIREMENTS Ear 80 Credits Have 3 Years Experiece Sit for Exam ABA Natioal Compliace School Ear up to credits ABA Itermediate Compliace School Ear up to credits Maitaiig a CRCM REQUIREMENTS Ear 60 Credits Every 3 Years ABA Graduate School of Compliace Risk Maagemet Ear up to credits ICB CE credits are awarded based o their relevace to ICB examiatio outlies. Credits may vary from year to year based o chagig schedules. Visit aba.com/icb for more iformatio about the CRCM desigatio, how to apply ad updated CRCM credits. 3

4 Meet Your Expert Faculty Fall 2013 ABA Compliace Schools Faculty (Partial List) Marti Becker Seior Deposit Isurace Specialist Federal Deposit Isurace Corporatio Patti Blede Presidet Fiacial Solutios, Ic. Michael J. Dea Deputy Regioal Director Federal Deposit Isurace Corporatio Nacy Dulig Traiig Cosultat Nacy Dulig Cosultig Kathly (Ly) Farrell, Esq., CRCM, CAMS, AMLP Maagig Director Treliat Risk Advisors, LLC Phillip R. Freer, Jr., CRCM Seior Director Examiatio ad Compliace Programs America Bakers Associatio Ly Hall-Fore SVP, Director of Corporate ad Iteratioal Compliace BBVA Compass Cathy Gates Seior Project Maager, Divisio of Cosumer ad Commuity Affairs Board of Goverors The Federal Reserve Marcia Geike, CRCM VP, CRA ad Compliace Officer Home State Bak, N A Lucy H. Griffi, CRCM Presidet Compliace Resources, Ic. Richard H. Harvey, Jr., Esquire, CRCM Chief Compliace Officer ad Geeral Cousel Skrill Ic., USA Thomas J. Healy, CRCM Seior Director of Compliace- Deposits ad ecommerce Ally Bak Gregory Imm Seior Vice Presidet ad Director, Commuity Affairs ad Fair ad Resposible Ledig Fifth Third Bak L. Ray Jackso Deputy Regioal Director Compliace Divisio of Depositor ad Cosumer Protectio Federal Deposit Isurace Corporatio Lourdes Johso, CRCM, CAMS SVP ad Corporate Compliace Goverace Maager Zios Bacorporatio Boita G. Joes Presidet Boita Joes ad Associates, LLC Stu Lehr Idustry Pricipal IfoSys Techologies Gerard (Jerry) W. LiVigi Seior Compliace Officer U.S. Departmet of the Treasury Office of Foreig Assets Cotrol David Maggiore-Aet, Esq. Corporate Legal Cosultat LexisNexis Michael D. Maher, CRCM, CRP EVP ad Group Risk Officer Wells Fargo Home ad Cosumer Fiace Group, ad Card Services ad Cosumer Ledig Group Wells Fargo & Compay Dave McCrea Pricipal Cosultat IfoSys Techologies Joel T. Palmer Assistat Deputy Comptroller Office of the Comptroller of the Currecy Atlata Field Office Midtow Tom Pareigat Geeral Cousel The Bacorp, Ic. Sylvia H. Plukett Associate Director Divisio of Supervisio ad Cosumer Protectio Federal Deposit Isurace Corporatio Mauree Pretice Compliace Officer Logasport Savigs Bak Carl Pry, JD, CRCM, CRP Seior Risk Director Treliat Risk Advisors Rya Rasske Seior Risk Director RiskGap Advisors LLC Vero Roberts Maagig Director Evoke Learig Meg Sczyrba, CRCM, CRP Idustry Pricipal IfoSys Techologies Daiel D. Soto Chief Compliace Officer Ally Fiacial Ic. Ja Woolsey, CRCM Seior Vice Presidet, CSR Data Ceter Maager Uio Bak of Califoria 4

5 ABA Natioal Compliace School The ABA Natioal Compliace School focuses o comprehesive istructio i core federal bakig laws ad regulatios. Recommeded for those with five years experiece or less, these courses are desiged to furish a basic, techical foudatio to studets who wish to develop ad maitai a effective compliace program ad support busiess iitiatives. Through this comprehesive approach to professioal developmet ad educatio, studets receive the tools ecessary to add value to their istitutios, their busiess uits, ad their compliace programs. Essetial traiig for compliace professioals Who Should Atted Compliace Professioals Auditors Ledig Persoel Regulators Cosultats CRA Officers Deposit Operatios Persoel Bak Employees from Offshore Fiacial Istitutios Those who wat to refresh their core compliace kowledge The topics covered iclude: The Deposit/Operatios Compliace Module Aatomy of a Regulatio BSA/USA Patriot Act Deposit/Miscellaeous Regs E-Compliace Privacy OFAC Regs D/Q, DD, E, ad CC UDAAP FDIC Isurace The Ledig Compliace Module Regs Z, B, ad O CRA Flood Isurace Credit Card Compliace FCRA HMDA/Fair Ledig RESPA The Compliace Maagemet Module (free with your registratio) Elemets of a Compliace Program Regulator Breakouts Compliace Maagemet Discussio Groups Iteractive Exercises Course Descriptios: Deposit /Operatios Compliace Module Curriculum Aatomy of a Regulatio Lear how laws are created, ad how regulatios are developed ad structured to fulfill their itet. Review the various regulatory agecies ad lear which baks each regulates. Plus, get tips for researchig various laws ad regulatios more efficietly. Bak Secrecy Act / USA PATRIOT Act Profile the backgroud, purpose, coverage, ad eforcemet of the Bak Secrecy Act (BSA), as updated by the compoets required by the Uitig ad Stregtheig America by Providig Appropriate Tools Required to Itercept ad Obstruct Terrorism (USA PATRIOT) Act of 2001, alog with other ati-moey lauderig cosideratios. Review recordkeepig requiremets, alog with those for fuds trasfer. OFAC Examie key aspects of the Office of Foreig Assets Cotrol (OFAC) regulatios, icludig embargoed coutries, specially desigated atioals, ad blocked accouts ad liceses. Get valuable iformatio o how to develop a OFAC compliace program. Privacy Gai a uderstadig of the disclosure ad otice requiremets. Lear the limits o disclosure of cosumer fiacial iformatio ad sharig accout umbers, i additio to the requiremets for providig customer iformatio to federal govermet agecies uder the Right to Fiacial Privacy Act. E-Compliace Lear the requiremets for applicatio ad disclosure i a electroic bakig eviromet. 5

6 ABA Natioal Compliace School Deposit /Operatios Compliace Module Curriculum (cotiued) Regulatio D Specific examples ad hadouts will help you better uderstad the restrictios these regulatios place o deposit accouts. Review a fiacial istitutio s ability to pay iterest o certai deposit balaces, ad determie how to implemet a moitorig system to meet regulatory requiremets. Regulatio DD Aalyze geeral ad periodic statemet disclosure requiremets, as well as the advertisig rules established by Regulatio DD. Lear how to idetify the types of accouts ad activities subject to Regulatio DD, ad kow which disclosures to provide ad whe. Regulatio E Review key defiitios, ad examie the scope of the Electroic Fuds Trasfer Act ad Regulatio E. Research required disclosures, preauthorized trasfers, bak ad customer liability, ad access devices, as well as other requiremets of Regulatio E. Regulatio CC Get a complete overview of Regulatio CC ad the Expedited Fuds Availability Act, icludig provisios that affect customer-cotact fuctios. Look at the types of accouts ad trasactios covered by the regulatio, the permitted deposit hold periods, the disclosures required by the regulatio, ad the pealties for ocompliace. UDAAP (Ufair, Deceptive, or Abusive Acts ad Practices) Receive a summary of recet regulatory advisories ad cases regardig ufair, deceptive or abusive acts or practices for fiacial istitutios. Highlights iclude risk areas ad potetial cotrols ad compliace program compoets to help address this everexpadig area. Ledig Compliace Module Curriculum Truth i Ledig / Regulatio Z Review the techical requiremets of TIL / Regulatio Z ad apply these priciples by workig through a series of case studies. RESPA Get a complete overview of the requiremets of the Real Estate Settlemet Procedures Act, icludig disclosure requiremets ad ati-kickback provisios. Lear about required disclosures ad how to idetify special disclosures required by settlemet service providers. Flood Isurace Examie the federal flood isurace requiremets applicable to loas secured by improved real estate. This sessio will help you lear how to comply with the most curret flood isurace requiremets ad outlie chages you ca make to your daily compliace program to help prevet violatios. Commuity Reivestmet Act Get isight o the impact of the CRA o your bak s compliace program. Discuss the CRA s importace to fiacial istitutios ad how you ca help esure compliace with this law. Take advatage of the opportuity to discuss curret examiatio experieces. Select either small or large bak focus. Regulatio B Discuss the major aspects of ECOA/Regulatio B, from prescreeig ad uderwritig to otices ad record-keepig. Lear how to comply with the techical requiremets of ECOA, ad become familiar with the differeces i cosumer, small busiess, ad other busiess applicatio requiremets. Fair Credit Reportig Act Review the techical requiremets of the FCRA ad implemetatio of Regulatio V. Receive helpful tips o ehacig your compliace program to better comply with this law. HMDA & Fair Ledig Participate i a detailed discussio of Regulatio C, which implemets HMDA. Determie which istitutios ad trasactios are covered by these requiremets ad how to avoid the assessmet of civil moey pealties. Lear how to accurately complete a Loa Applicatio Register ad the importace of maagemet ivolvemet i this process. Reg O Get basic provisios of Regulatio O, which govers loas that a bak makes to its isiders (i.e., executive officers, directors, pricipal shareholders, ad their related iterests. Lear who the regulatio applies to ad the maer i which its provisios apply to various isiders. Credit Card Compliace Receive a overview of the requiremets of sigificat regulatios specific to credit cards. While may of these requiremets are addressed elsewhere i the core curriculum, there will be particular emphasis o applyig them to credit card products. 6

7 ABA Itermediate Compliace School Applyig Compliace Solutios Developed i respose to requests from attedees of the Natioal ad Graduate Compliace Schools, the ABA Itermediate Compliace School Applyig Compliace Solutios provides compliace professioals at all levels of career experiece with a practical approach to compliace regulatio. The school puts you, your peers, ad faculty experts well-versed i compliace topics i a iteractive, collaborative eviromet to maximize hads-o learig ad move beyod the basics of idividual regulatios. You ll apply compliace regulatios to the day-to-day eeds ad demads of your job, focus o the most pressig issues ad topics facig compliace professioals today, ad be supplied with the tools, skills, ad isights you eed to make soud decisios ad take actio! It is highly recommeded that you atted this School after you have gaied kowledge of the compliace regulatios either through the ABA Natioal Compliace School or aother traiig evet. After you have acquired kowledge ad uderstadig of the regulatios, attedig the ABA Itermediate Compliace School will give you a practical hads-o approach to guide you i applyig what you have leared. The dyamic curriculum has bee desiged by leadig compliace practitioers with experiece i developig ad implemetig compliace programs for fiacial istitutios. If you re preparig to sit for the CRCM exam, this curriculum also features a special CRCM questio-ad-aswer sessio that highlights exam cotet areas ad study tips. Curriculum Highlights Practical Applicatios i Deposit Compliace A practical how-to i some of the most commo deposit regulatios processes. After attedig this sessio, you ll kow how to: Place Reg CC holds Set up error resolutio procedures for Reg E ad icorporate differeces i NACHA / VISA rules Successfully moitor for excessive trasactios Calculate APY ad APYE Cotrol Remote Deposit Capture (RDC) risk exposures Practical Applicatios i BSA/AML A applied sessio about moitorig for ad idetifyig suspicious activity to remai i compliace with ati moey lauderig ad other security-related compliace measures. You ll lear how to: File a SAR Complete ad preset a risk assessmet Establish efficiet ad sufficiet cotrols for your BSA program NEXT SESSION OFFERED: Sprig 2014 March 21-23, 2014 Sa Diego, Califoria Applicatios accepted begiig November Who Should Atted Compliace Professioals CRCM Prospects Examiers ad Regulators Idustry Cosultats Graduates of the ABA Natioal Compliace School Graduates of the ABA Graduate School of Compliace Risk Maagemet Here s how you ll beefit: Gai practical, how-to applicatio of top compliace regulatios. Receive up-to-date tools ad takeaways you ca apply immediately to your day-to-day job resposibilities. Lear the real-world complexities of the compliace eviromet, ad effective ways to deal with regulatios. Walk away with practical isight ad skills to idetify ad assess regulatory compliace risk at your istitutio. Receive valuable iformatio to help you prepare for the CRCM exam. 7

8 Curriculum Highlights Practical Applicatios i Compliace Maagemet A realistic exploratio of how to maage compliace ad compliace processes across the bak. You will practice: Applyig cotrols to ew busiess iitiatives to limit risk exposure Quatifyig levels of residual risk Assessig the adequacy of the cotrol eviromet Determiig iheret compliace risk Applyig techiques associated with assessig compliace risks with istitutios of similar asset size Fair Ledig Applicatios Expad your uderstadig of fair ledig regulatios as you lear techiques to assess fair ledig risk ad idetify exposures. By the time you ve completed this sessio, you ll kow how to: Coduct a fair ledig risk assessmet Idetify fair ledig focal poits for aalysis Perform a basic comparative file review to determie if ledig stadards ad practices were cosistetly applied to similarly qualified loas CRCM Questio-ad-Aswer Sessio Brig your toughest questios to this sessio dedicated to helpig you prepare for the Certified Regulatory Compliace Maager exam. We ll aswer your questios, provide isight o the exam s areas of focus, ad provide useful study tips from CRCMs ad professioal traiers. Practical Solutios i CRA Compliace This sessio gives you the opportuity to build o your basic kowledge of CRA, ad stregthe your bak s capacity to idetify commuity developmet performace. Some of the topics covered iclude how to: Idetify loas, ivestmets ad services that meet the commuity developmet defiitio. Implemet practical strategies to documet qualifyig activities. Deepe your staff s practical kowledge of qualifyig criteria. Practical Solutios i Idetifyig ad Assessig Potetial UDAAP Risk Icrease your uderstadig of the protocols eeded to: Idetify ufair, deceptive or abusive practices. Apply procedures to idetify possible exposures i iteral practices. Review advertisig ad other documets to idetify compliace weakesses. The Itermediate Compliace School provided me with the tools to help me perform my job more expeditiously ad effectively. I would recommed this School to compliace professioals that are lookig for istructio o how to improve their compliace programs by gaiig a more extesive kowledge of the regulatios. Patricia A. Choate VP Compliace Officer Savigs Bak of Maie Practical Solutios: Compliace i Loa Servicig Build upo your kowledge of fudametal ledig compliace regulatory requiremets ad cocepts, ad lear strategies to maitai compliace. Topics covered iclude how to: Esure that flood isurace is required ad isurace amouts are sufficiet to cover the obligatio Esure that rate adjustmets are made for customers covered by the Servicemembers Civil Relief Act Esure that loa paymets are properly credited ad late fees are properly imposed Esure that the priciples of the Fair Debt Collectio Practices Act are applied. 8

9 ABA Graduate School of Compliace Risk Maagemet Newly expaded program! The ABA Graduate School of Compliace Risk Maagemet is the fiacial Idustry s premier advaced-level traiig of its kid. Recetly expaded to iclude a additioal full day o Complait Maagemet, Vedor Maagemet, ad Reputatio Risk, the curriculum has bee updated to reflect the challeges of heighteed competitio, fluctuatig regulatory eviromet, ad moumetal techological iovatios. Peer-to-peer breakout sessios throughout the five-day istructioal program group participats by bak asset size ad/or regulatory agecy to share firsthad kowledge ad experiece, egage i creative problem-solvig, ad further discuss ways to implemet course cotet ad cocepts. Iteractive case studies, dyamic sessios preseted by idustry specialists ad a etwork of professioals i the compliace field, seior maagers, ad regulators help you avigate the may challeges of today s regulatory climate ad traslate regulatory kowledge ito practical applicatio. Top three reasos to atted: Explore ways to work through others to accomplish your compliace objectives ad itegrate compliace risk maagemet processes throughout your istitutio. Lear from expert practitioers o the forefrot of professioal developmet i the compliace field. Gai the skills ad strategies to help you implemet or ehace your orgaizatio s compliace program throughout the compliace risk maagemet life cycle of settig ad measurig cotrols with busiess leaders ad exteral forces. Curriculum Highlights The ABA Graduate School of Compliace Risk Maagemet provides a dyamic curriculum built aroud the risk maagemet process. Utilizig commo termiology, a iteractive case study, ad soud risk maagemet priciples, the school will provide the opportuity for participats to be fully egaged i the learig process, exchage ideas ad solutios i peer-to-peer breakouts sessios, ad acquire the prove maagemet skills essetial for: Developig plas for a effective compliace program at your istitutio, ad maagig complex reportig requiremets i a eviromet of rapid growth ad expasio ito ew fiacial products ad services. Esurig effectiveess ad itegrity i audits ad iteral reviews. Negotiatig ad ifluecig decisiomakig of various stakeholders, icludig seior maagemet, the board of directors, ad regulators. Buildig a etwork of colleagues you ca rely o for valuable isights ad advice. Who Should Atted Compliace Professioals Ledig Persoel Regulators Auditors Cosultats Deposit Operatios Persoel Graduates of the ABA Natioal Compliace School Graduates of the ABA Itermediate Compliace School Executive Maagers Course Descriptios Uderstadig Differeces Itroduces relevat ideas, cocepts, ad tools for uderstadig commuicatio style differeces. Lear how differeces i behavior help or hider performace through specific strategies that allow adaptatio of behavior to gai greater edorsemet from others. Compliace Goals ad Establish Cotrols Lear the priciples of compliace risk maagemet. Explore key elemets for idetifyig, cotrollig, measurig, prioritizig, ad moitorig regulatory ad compliace risks. Maagig Ethics Develop appropriate maagemet approaches eeded to develop ad desig, measure, cotrol, ad moitor your ethics program. Covers ethics legislatio ad helps you cosider various potetial ethics problems ad lear the cosequeces of ot establishig a clear culture of compliace. Cosider various potetial ethics problems ad lear the cosequeces of ot establishig a clear culture of compliace. 9

10 Pael Discussio: Regulator Perspectives o Compliace Maagemet Fid out how to work with your examier to accomplish exam objectives ad activities as you iteract with represetatives from key regulatory agecies. Learig from the regulator s perspective, you ll see what regulatory agecies expect of your compliace risk assessmet process, compliace maagemet systems, ad compliace reviews ad audits. Creative Problem Solvig ad Negotiatig Explore opportuities withi your orgaizatio to challege traditioal thikig ad resolve coflicts. Lear techiques for better braistormig. Uderstad the barriers to creative thikig as you look beyod idividual job parameters for ways to fid creative solutios to problems, ad make improvemets. Reportig This itroductio to the cocept of compliace reportig presets a framework to establish or ehace a effective reportig process for compliace. Discussio will ceter o the role of compliace iformatio metrics: KRI s ad KPI s; ad targeted reports to seior maagemet ad others, ad review commo ad best practices. Measurig Performace through Moitorig/Testig Cover the elemets of a compliace moitorig program (icludig moitorig, assessig, correctig, ad reportig), as well as establishig stadards for these fuctios. The, focus o trasactioal testig ad addressig how the risk assessmet process drives the compliace moitorig program. Root Cause Gai a basic overview of the role of root cause aalysis. Reveal techiques derived from quality maagemet disciplies, such as Total Quality Maagemet (TQM) ad Six Sigma to demostrate how these techiques ca be applied by compliace professioals as they work with their orgaizatios to maage corrective actio. Work with busiess uits to effectively get at the root cause(s) of issues drivig isufficiet compliace results. Desig ad implemet better processes ad/or cotrols to effectively correct compliace issues. Gaiig Compliace Support Review ways a effective compliace program icorporates a culture of compliace which requires buy-i ad owership across all busiess uits. Lear how to create a culture of compliace through developig effective relatioships, ad see how iteractios with your colleagues, maagemet, ad the Board ca be critical i maitaiig a high level of compliace withi all areas of your bak. Pael Discussio: A Executive Perspective o Compliace Risk Maagemet Uderstad the executive perspective of compliace risk ad related maagemet. This will help you gai isight ito a executive maagemet or Board perspective of how to maage compliace risk ad cosideratios. Format icludes a short presetatio, followed by a moderator-guided discussio of key questios ad ope forum questios from the audiece. Roudtable Discussio: Compliace Maagemet Break ito small groups based o asset size to discuss various compliace maagemet issues, ad possible solutios to these issues. Cosider how techiques you have leared at the School could be utilized to improve the effectiveess of your work, ad review possible resources for ehacig your effectiveess as a compliace professioal. There is so much to lear from the Graduate School from the real-time course cotet to the practical case studies of how to work uder pressure to implemet specific compliace activities ad iitiatives at your bak. The ABA Graduate School of Compliace Risk Maagemet has bee ewly revised ad ehaced to be more iteractive, ad iclude more of the issues you face every day. What s more, it ow features a additioal day of critical learig that icludes: Vedor Maagemet Creatig a Vedor Maagemet Program Developig a vedor due diligece review Completig aual vedor evaluatios Creatig a risk aalysis/threshold aalysis Complait Maagemet Developig a Complait Maagemet Program Creatig a complait defiitio Determiig what to track Creatig a methodology to track complaits Complait Reportig Reputatio Risk Focus o the key reputatio drivers for your bak, such as: Kathlee Leoik Compliace Director Barclays Bak Delaware Perceptios of your bak as kowig ad uderstadig your commuity ad beig easy to work with Strog leadership ad decisiomakig at the local level Upholdig high ethical stadards, doig the right thig despite fiacial cosequeces Accessibility ad commitmet 10

11 Geeral Iformatio Fees Fees iclude tuitio, istructioal services, some meal services, ad a certificate of completio. Housig is ot icluded i your tuitio. The hotel rate exteded to participats of the ABA Compliace Schools is a ABA-egotiated rate, plus tax for sigle occupacy. This rate is iclusive of other school-related services ad some meals. If you book through a travel aget or other meas at a lower rate, you will be billed a additioal cost for school-related services exteded to you o-site as part of our program. ABA Natioal Compliace School Both Modules ABA Member... $3,395 Nomember... $4,395 Deposit/Operatios Compliace Module ABA Member... $2,495 Nomember... $3,295 Ledig Compliace Module ABA Member... $2,495 Nomember... $3,295 ABA Itermediate Compliace School Applyig Compliace Solutios ABA Member... $2,395 Nomember... $3,195 ABA Graduate School of Compliace Risk Maagemet ABA Member... $2,395 Nomember... $3,395 Apply Today! Erollmet is limited. Applicatios are accepted o a first-come, first-served basis. If a school is cacelled, ABA liability is limited to the applicatio fee. ABA provides professioal developmet opportuities for employees of membership-eligible istitutios. These iclude commuity, regioal, ad moey ceter baks ad holdig compaies as well as savigs associatios, trust compaies,savigs baks ad service members. Govermet agecy employees also qualify. Locatios ad Housig FALL 2013 ABA COMPLIANCE SCHOOLS Emory Coferece Ceter ad Hotel, Atlata, Georgia ABA Natioal Compliace School October 19 25, 2013 Deposit/Operatios Compliace Module October 19 22, 2013 Ledig Compliace Module October 22 25, 2013 ABA Graduate School of Compliace Risk Maagemet October 20 25, 2013 SPRING 2014 ABA COMPLIANCE SCHOOLS Doubletree Hotel-Missio Valley, Sa Diego, Califoria ABA Natioal Compliace School March 21 27, 2014 Deposit/Operatios Compliace Module March 21 24, 2014 Ledig Compliace Module March 24 27, 2014 ABA Itermediate Compliace School Applyig Compliace Solutios March 21 23, 2014 Cacellatios/Substitutios/Refuds If you cacel after acceptace, you may trasfer your paymet to the ext available sessio of the same school or to aother qualified cadidate from your istitutio. If you must cacel more tha 30 days before the start of the sessio you will receive a tuitio refud less a $350 processig fee. If you cacel days before the start of the sessio, you will receive a tuitio refud of 50%. If you cacel less tha 15 days before the start of the sessio you are ot eligible for a refud. All cacellatios must be made i writig to the Program Director. The Istitute of Certified Bakers (ICB), a subsidiary of the America Bakers Associatio, is dedicated to promotig the highest stadards of performace ad ethics i the fiacial services idustry. The ABA Natioal Compliace School ad the ABA Itermediate Compliace School is pedig approval for certificatio credits. Please check com regularly for updates ad chages to the schedule. ABA No-Discrimiatio Policy The America Bakers Associatio reaffirms its stadig policy of o-discrimiatio i employmet ad i all programs ad activities with respect to race, color, religio, atioal origi, sex, age, marital status, persoal appearace, sexual orietatio, geder idetity or expressio, family resposibilities, geetic iformatio, disability, matriculatio, or political affiliatio. I additio, the ABA Schools operate o the basic priciple of respectful treatmet for all persos ad, accordigly, are firmly committed to esurig a harassmet-free, positive learig eviromet for all studets ABA Compliace Schools Advisory Board CHAIR Michael D. Maher, CRCM, CRP EVP ad Group Risk Officer Wells Fargo Home ad Cosumer Fiace Group, ad Card Services ad Cosumer Ledig Group Wells Fargo & Compay VICE CHAIR Meg Sczyrba, CRCM Idustry Pricipal IfoSys Techologies VICE-CHAIR ELECT Gregory Imm SVP ad Director, Commuity Affairs Fair ad Resposible Ledig Fifth Third Bak Cathy Gates Seior Project Maager, Divisio of Cosumer ad Commuity Affairs Board of Goverors The Federal Reserve Thomas J. Healy, CRCM Seior Director of Compliace - Deposits ad ecommerce Ally Bak Stacey Hyre VP, Cosumer Compliace Maager US Bacorp Lawrece R. Jackso Deputy Regioal Director, Compliace Divisio of Depositor ad Cosumer Protectio Federal Deposit Isurace Corporatio Lourdes Johso, CRCM, CAMS SVP ad Corporate Compliace Goverace Maager Zios Bacorporatio Robert Marx Director, Compliace Officer UBS Bak USA Gary Pacos First VP Compliace/Op Risk Moitorig First Niagara Fiacial Group Mauree Pretice Compliace Officer Logasport Savigs Bak Testimoials used i this brochure are upaid edorsemets. Views expressed are idividual. Patricia Choate is a past attedee of the ABA Itermediate Compliace School. Rick Freer is a ABA Compliace Schools faculty member. Joh Fladers is a past attedee of the ABA Natioal Compliace School. Kathlee Leoik is a past attedee of the ABA Graduate School of Compliace Risk Maagemet. 11

12 Oly ABA offers you idispesable compliace traiig for every level of your career. ABA COMPLIANCE SCHOOLS ABA Natioal Compliace School ABA Graduate School of Compliace Risk Maagemet October 19 25, 2013 l Atlata, Georgia The Missio of ABA Schools The missio of the ABA Schools is to be the urivaled leader ad a idispesable source of traiig ad educatio services by: Providig the highest stadards of kowledge o a full rage of fiacial products ad services Providig the skills for professioals to promote fiacial products ad services to their customers Empowerig fiacial services professioals with the kowledge ad competece to compete as the leadig providers of fiacial services Ecouragig competitio ad professioalism i the fiacial services idustry Successfully deliverig a high-quality educatioal experiece The ABA Schools are very importat because sigificat chages are takig place ad these schools offer opportuities to get the latest o what s goig o the regulatory eviromet, ad what you eed to kow as a compliace professioal to be able to do your job faster ad better May of these regulatios have bee aroud a log time but as chages become fial, they are immediately implemeted ito the course curriculum. whe it hits the street, it s i the class. Rick Freer Seior Director, Examiatio ad Compliace Programs America Bakers Associatio ABA Compliace Schools Faculty member (former Seior Compliace Specialist, Office of the Comptroller of the Currecy) The ABA Guaratee ABA guaratees that the ABA Compliace Schools will meet or exceed your expectatios. If they do ot, simply let us kow i writig, ad we ll refud your full tuitio fee o questios asked.