Congratulations to all of the 2018 award recipients!!

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1 CFTEA Spotlights Student Success! As the summmer begins to wind down and we face the ber months in the not too distant future, it is once again time for the CFTEA Spotligher, CFTEA s annual newsletter that spotlights our CFTEA students. CFTEA students have once again had an extraordinarily successful professional year! 301 students were recognized as graduates with 453 Diplomas and Certificates awarded. 33 students were designated as honor student of our 2 and 3 credit classes. REMARKABLE WORK! CFTEA and your institutions recognize the amount of true commitment and dedicated hard work that goes into every program a CFTEA student undertakes, and we want to recognize your accomplishments in this annual newsletter that is about YOU and YOUR accomplishments. Congratulations to all of the 2018 award recipients!! Other News: 6 New Certificates From CFTEA and MindEdge! Check out the six new MindEdge Certificates on page 23. Certificates in Business Communications, Creativity and Innovation, in Leadership, in Online Learning, in Project Management for Teams, and The Manager s Toolbox. IRA University: is a six-week course that provides attendees with a solid foundation of IRA knowledge through a combination of interactive weekly webinars and elearning modules. IRA University graduates emerge with confidence in their ability to handle common IRA transactions. Page 20. IRA Essentials OnDemand: is the perfect solution for those who need an introduction to IRAs but cannot attend a face-to-face training session. IRA reference materials, job aids, quizzes and videos blend together to create an immersive educational experience. Page 20. HSA University: creates an industry standard in HSA expertise with the accredited Certified Health Savings Professional (CHSP) designation. Expand your HSA knowledge in 75 minutes a week over 5 weeks in a format that is flexible to fit your busy schedule. CFTEA Webcourse Update: Check out the Fall 2018 CFTEA Webcourses on page 28! CFTEA Website: Remember that our website address is To see your local offerings and to keep your transcript of classes complete, always be sure you are on the CFTEA website! CFTEA and St. Joseph s College offer: the Bachelor of Science in Business Administration: Banking Major (BSBA). Read more about this fantastic opportunity to earn a degree while taking CFTEA classes on page 21. Hello to CFTEA s New Exective Director: Andrew Lederer joined CFTEA in April as our Executive Director in Transition, officially taking the reigns November 1st. See his message to readers on page 18. Good-bye to Tanya and Johanne: Tanya Kolonoski and Johanne Randal will both be saying goodbye after 55+ years of dedicated work building CFTEA into the organization you know today. Page 19. The Fall 2018 Course Schedule is out! Check it out at: Inside this issue: The Year In Success! 1 CFTEA 2017 Graduates 2-12 CFTEA Honor Students Spotlight On Success: Shanna Emanuel 14 Spotlight On Success: Melissa Dahlgren 15 Spotlight On Success: Kirstin Rogers 16 Spotlight On Success: Megan Page Message from New Executive Director: Andrew Lederer Retirement Wishes to Tanya and Johanne New! From Ascensus HSA and IRA Programs Bachelor of Science in Business Administration: September Classes - Enrollment is open! New MindEdge Certificates 23 CFTEA Certificates CFTEA Diplomas College Credit Transfers 31 Class Formats Explained 31 Your CFT is CFTEA 28 CFTEA Webcourses 28 CFT Information Tidbits 29 The Fall 2018 Course Schedule is out! Check it out at: Center for Financial Training & Education Alliance 60 Pineland Drive, Auburn Hall, Suite 303, New Gloucester, ME

2 CFTEA 2018 GRADUATES Androscoggin Bank Shaun McIntyre Certificate in Business and Commercial Lending Auburn Savings Bank Alicia Gaudette Bank of New Hampshire Beth Castrucci Professional Development II Certificate Jared Price Supervisor Certificate Megan Wells Certified Banker Certificate Bar Harbor Bank & Trust Tiffany Ash Mindy Lee Benware Call Center Representative Certificate Customer Service Associate Certificate Andrea Brown Melissa Case Consumer Banking Diploma Kelly Courcelle Today's Supervisor Certificate May Edson Catherine Faucher Today's Supervisor Certificate Catharina Harding Chere Jankosky Colleen Paquette Today's Supervisor Certificate Sherry Reed Bank Operations Diploma General Banking Diploma Bar Harbor Bank & Trust - ME Susan Albee Bank Service Provider Certificate Kirsten Caron Basics of Leadership Skills Certificate Professional Development for Supervisors Certificate Professional Development for Supervisors II Certificate Sally Fuller Shelley Gray Certified Banker Certificate Consumer Banking Diploma Sales Skills Certificate Universal Banker Diploma Alexandra Orcutt Sales Essentials I Certificate Sales Skills Certificate Candy Pendleton Sales Skills Certificate Dianne Thompson Bath Savings Institution Rebecca Ewald Jenny Huynh Certificate in Fraud Prevention Lindsay Jones Erica May Jessica McIntire Today's Supervisor Certificate William Mills Valerie Rankins Professional Development II Certificate Vicki Rumney Page 2

3 CFTEA 2018 GRADUATES Bath Savings Institution continued... Lisa Sargent Today's Supervisor Certificate Marcia Wallace Sales Essentials I Certificate Pamela White Residential Mortgage Lender Certificate Angela Willette Camden National Bank Cynthia Bridges Bank Teller Certificate Supervisor Certificate Marcel Caron Kelly Coon Supervisor Certificate Mary Crabtree Christina Gagnon Bianca Giron Bank Solutions Provider Certificate Customer Service Associate Certificate Sales Skills Certificate Chelsea Hampton Bank Teller Certificate Customer Service Associate Certificate Ernest Kelley Team Leader Certificate Megan Kennedy Professional Development for Supervisors Certificate Camden National Bank continued... Kayla Sue Roberts Branch Manager Certificate Sales Manager Certificate Supervisor Certificate Team Leader Certificate Tammy Sargent Consumer Banking Diploma Kristen Urda Carter Bank & Trust Kristi Martin Consumer Banking Diploma CFTEA Student Jennifer Cleveland Interpersonal Skills Certificate Nicholas Findholt Call Center Representative Certificate Customer Service Associate Certificate Sherry Forward Sales Essentials I Certificate Patricia Gagne Kelsey Johnson Today's Supervisor Certificate Kayla Myers Bank Compliance Certificate for Lending Brittany Stanley Page 3

4 CFTEA 2018 GRADUATES Claremont Savings Bank Lindsey Dauphin Shanna Emanuel Advanced Financial Services Diploma Banking and Finance Diploma Shannon Hemingway Basics of Leadership Skills Certificate Virginia Hudson Nicole Picard Kayla Roy Today's Supervisor Certificate Sandra Simmons Community National Bank Penny Clark Robin Coulter Heather Elwood Nichole Jones General Banking Diploma Beth Martin Banking and Finance Diploma Deborah Monfette Bank Operations Diploma General Banking Diploma Steve Sanborn Sarah Stevens Community National Bank continued... Kaylea Wells Advanced Financial Services Diploma Banking and Finance Diploma Consumer Banking Diploma Julie Willis Federal Savings Bank Brenda Turner Call Center Representative Certificate Firestone Financial (A Berkshire Bank Company) James Bernazzani Certificate in Business and Commercial Lending First National Bank Megan DeMolet Patricia Dillon Professional Development II Certificate MaryJo Lewis Professional Development II Certificate Jeffrey Marks Aleisha Milburn Jean Moffatt Bank Service Provider Certificate Small Business Banker Certificate Franklin Savings Bank - ME Patrick Dore Brittany Drapeau Carlos Monsalve Rubiaro Page 4

5 CFTEA 2018 GRADUATES Franklin-Somerset Federal Credit Union Jeannette Coombs Sales Essentials I Certificate Amy Cunningham Sales Essentials I Certificate Carrie Jenness Professional Development for Supervisors Certificate Jacob Lashon Sales Essentials I Certificate Brandi Mitchell Jennifer Rackliffe Amber Smith Sales Essentials I Certificate Gorham Savings Bank Jessica Burbank Residential Mortgage Lender Certificate Heather Charette Residential Mortgage Lender Certificate Taylor McLaughlin Infinity Federal Credit Union Virginia Perusse Bank Operations Diploma Supervision Diploma Supervisor Certificate Timothy Villemaire Bank Financial Management Diploma Katahdin Trust Company Lindsay Corey Supervisor Certificate Melissa Dahlgren Advanced Financial Services Diploma Banking and Finance Diploma Consumer Banking Diploma Bonnie Foster Katahdin Trust Company continued... Allissa Given General Banking Diploma Nicole Lockhart Advanced Financial Services Diploma Bank Operations Diploma Professional Development for Supervisors Certificate Shelly McHatten Certificate in BSA and AML Compliance Scott Rossignol Supervisor Certificate Sarah Silliboy Certificate in Fraud Prevention Jolene Wallace Foundational Certificate in Bank Marketing Supervision Diploma Kennebec Federal Savings Joshua Herlihy Elizabeth Llewellyn Kennebec Savings Bank Hollee Black Professional Communication Skills Certificate Carol Bockman Jade Freeman Certificate in Business and Commercial Lending Pamala Kimball Professional Development for Supervisors Certificate Abigail Kline Professional Communication Skills Certificate Catherine VonKamp Certificate in Business and Commercial Lending Page 5

6 CFTEA 2018 GRADUATES Kennebunk Savings Bank Jennifer Bowley Leslie Burt Banking and Finance Diploma Credit Analyst Diploma Residential Mortgage Lending Diploma Carrie Carruth Advanced Financial Services Diploma Bank Operations Diploma Business Communication Skills Certificate - KSB Deposit Operations Certificate - KSB Team Leader Certificate Desiree Comeau Call Center Representative Certificate Team Leader Certificate Christine Cram Call Center Representative Certificate Michelle Lynne Dumont Advanced Deposit Operations Certificate - KSB Bank Security Awareness Certificate Supervision Diploma Maureen Gaudette Supervisor Certificate Michelle Henaire Christa Hughes Certificate in Fraud Prevention Michelle Lino Credit Analyst Diploma Desislava MacLeod Interpersonal Skills Certificate Jacob Moran Call Center Representative Certificate Megan Pare Certificate in Fraud Prevention Betsy Pinkham Call Center Representative Certificate Ledyard National Bank Hope Amanatidis Certified Banker Certificate - LNB Tony Benware Deposit Operations Certificate - LNB Katie Blake Tabitha Doe Certified Banker Certificate - LNB Supervisor Certificate - LNB Katelyn Durkee Certified Banker Certificate - LNB Supervisor Certificate - LNB Michelle Fellows Bank Compliance Certificate for Lending Supervisor Certificate - LNB Jennifer Hall Hayley Morong Certified Banker Certificate - LNB Kayla Pearsons Corin Rogers Supervisor Certificate - LNB Jamie Romano Deposit Operations Certificate - LNB Elizabeth Signer Certified Banker Certificate - LNB Eric Surrell Supervisor Certificate Erica Wimett Customer Service Associate Certificate Machias Savings Bank Sandra Caston Professional Development for Supervisors II Certificate Jessica Cloukey Branch Manager Certificate Autumn Hamann Small Business Banker Certificate Alexander Currier Page 6 Education is the most powerful weapon which you can use to change the world ~Nelson Mandela

7 CFTEA 2018 GRADUATES Machias Savings Bank continued... Lindsey Davenport Breanna Day Brandie Fritz Matthew Jarrell Wanda Kirshman Advanced Financial Services Diploma Certificate in Business and Commercial Lending Consumer Banking Diploma Catherine Leeman Krista Lopez-Brochu Tyler Rowe Certificate in Business and Commercial Lending Lani Smith Customer Service Associate Certificate Mackenzie Smith Bank Teller Certificate Leah Toby Danielle Violette Ashley West Sam Whitney Certificate in Business and Commercial Lending Logan Wood Christine Worster Maine Financial Group (a Katahdin Trust Company Affiliate) Christopher Case Certificate in Business and Commercial Lending Mascoma Bank Trina Ashline Today's Supervisor Certificate Jane Clifford Banking and Finance Diploma General Banking Diploma Susan Paterson Christina Rogers Cody Thurston Megan Wood Today's Supervisor Certificate Patricia Wood General Banking Diploma Mechanics Savings Bank Jennifer Barrett Denise Bouchard Sales Essentials I Certificate Sales Skills Certificate Katie Dixon Sales Essentials I Certificate Stephanie Hill Kelly Packevicz Sales Essentials I Certificate Jasmine Proctor Certificate in Business and Commercial Lending Jennifer Steckino Professional Communication Skills Certificate Chelsey Thompson Sales Essentials I Certificate Supervisor Certificate Page 7

8 CFTEA 2018 GRADUATES Northeast Bank Joanna Champagne Northfield Savings Bank Casey Bailey Douglas Emery Sales Essentials I Certificate Morgan Frantz Desiree Lord Del'Rae Merrill Call Center Representative Certificate Darlene Remlin Customer Service Associate Certificate Stephanie Riggs Kirstin Rogers Advanced Financial Services Diploma Bank Operations Diploma Banking and Finance Diploma Consumer Banking Diploma Supervisor/Team Leader Certificate Samantha Tafaro Lisa Williams Advanced Financial Services Diploma Bank Operations Diploma Banking and Finance Diploma Introduction to Human Resources Diploma Northway Bank Colleen MacArthur Today's Supervisor Certificate Norway Savings Bank Heather Adams Amanda Andrews Norway Savings Bank continued... Samuel Bell Mary Bernard Professional Communication Skills Certificate Nancy Boros Kristin Camire Call Center Representative Certificate Customer Service Associate Certificate Karri Card Supervisor Certificate Lauren Carpenter Basics of Leadership Skills Certificate Christiana Ciraldo Darcy Coslet Cyrena Cox Tyler Davison Deanna DeLuca Jessica Dow Bank Operations Diploma Lynsie Duricko Amanda Dyer Frank Farrell Today's Supervisor Certificate Mikayla Fortin Matthew Francois Beth Garza Professional Development for Supervisors II Certificate Page 8

9 CFTEA 2018 GRADUATES Norway Savings Bank continued... Miranda Giraldo Leadership Development Certificate Melissa Graham Amy Hicks Advanced Financial Services Diploma Consumer Banking Diploma General Banking Diploma Jessica Johnston Basics of Leadership Skills Certificate Timothy Leach Lindsey Lombardo Sarah MacDonald Traci MacDonald Jillian McTiernan Megan Merrifield Professional Development for Supervisors Certificate Erin Nelson Robert Norton Caitlyn Paul Whitney Searles Jesse Shand Nancy Stroud Certificate in Operational Risk Management Mercedes Welch Joy Jennifer Willard Consumer Banking Diploma Old Point National Bank Laura Wright General Banking Diploma Passumpsic Savings Bank Jacquelyn Greaves Banking and Finance Diploma Miranda Lyon Team Leader Certificate Saco and Biddeford Savings Rhonda Johns Advanced Bank Teller Certificate Bank Teller Certificate Customer Service Associate Certificate Amanda Lutz Professional Development II Certificate Andrew Mowatt Alison Pelletier Tamara Perkins Professional Development II Certificate Leah Williams Bank Marketing Diploma Bank Operations Diploma General Banking Diploma Supervisor/Team Leader Certificate Sanford Institution for Savings Charlene Conant Sarah Corriveau Sandra Davis Sales Skills Certificate Ann Deprey Professional Development for Supervisors Certificate Page 9

10 CFTEA 2018 GRADUATES Sanford Institution for Savings continued... Stephanie Gowen Customer Service Associate Certificate Eileen Huff Theresa Jodway Advanced Bank Teller Certificate Makenna Pepin Kelly Noel Bank Teller Certificate Rachel Perez Professional Development for Supervisors Certificate Jillian Porter Kimberly Weaver Sales Essentials I Certificate Savings Bank of Walpole Heather Scheck Lindsey Swett Today's Supervisor Certificate Security Federal Bank Angela Catoe Bank Teller Certificate Supervisor/Team Leader Certificate Stephany Percy Certificate in Deposit Compliance Skowhegan Savings Bank Kristin Campbell Bank Service Provider Certificate Consumer Banking Diploma Lauren Corey Jami Enman Melissa Lawrence Skowhegan Savings Bank continued... Roxanne Vining Hillary Whitney Sugar River Savings Bank Amy Dillon Bank Operations Diploma General Banking Diploma Tristin Jewell Today's Supervisor Certificate Angela MacCreighton The Bank of Bennington Amanda Burdick Kearsten Bushee Residential Mortgage Lender Certificate TowneBank Ashley Boger Bank Marketing Diploma Kimberly Ferebee Kimberly Healy Advanced Financial Services Diploma Banking and Finance Diploma Amanda Hewett Brett Hobbs Professional Development for Supervisors Certificate Nikki Jackson Basics of Leadership Skills Certificate Jessica Lynch Andrea McGarey Certificate in Fraud Prevention Brittany Moses Basics of Leadership Skills Certificate Page 10

11 CFTEA 2018 GRADUATES Union Bank Taber Ashley Bank Teller Certificate Customer Service Associate Certificate Tina Before Bank Operations Diploma Bank Solutions Provider Certificate Branch Manager Certificate Certified Banker Certificate Personal Banker Certificate Sales Manager Certificate Sales Skills Certificate Universal Banker Diploma Katie Bessette Supervisor Certificate Brandie Carbonneau Heather Decker Tara Donovan Advanced Bank Operations Diploma Consumer Banking Diploma Customer Service Associate Certificate Team Leader Certificate Lisa Ferland Call Center Representative Certificate Rebekah Glen Introduction to Human Resources Diploma Melissa Greene Advanced Financial Services Diploma Introduction to Human Resources Diploma Union Bank continued... Kerry MacNayr Certified Banker Certificate Adam Mozisek Bank Marketing Diploma Hillary Salumn Professional Development for Supervisors Certificate Professional Development for Supervisors II Certificate Jeremy Sneed Small Business Banker Certificate Tina Sprague Professional Development for Supervisors Certificate Professional Development for Supervisors II Certificate Vigilant Capital Management Tirzah Drake Certificate in Trust: Advanced Certificate in Trust: Foundational Certificate in Trust: Intermediate Wells River Savings Bank Heather Beckley Banking and Finance Diploma Residential Mortgage Lending Diploma Katelyn Craig Ashley Griswold Call Center Representative Certificate Customer Service Associate Certificate Elizabeth Marshall Residential Mortgage Lender Certificate Residential Mortgage Lending Diploma Amy Vance Supervision Diploma Patricia Hodgdon Bank Service Provider Certificate Branch Manager Certificate Supervision Diploma Page 11

12 CFTEA 2018 GRADUATES Woodsville Guaranty Savings Bank Brenda Best Personal Development Certificate Bonnie Bowen Bank Teller Certificate Melissa Butson Personal Development Certificate Tacona Chaffee Amy Crocker Professional Development II Certificate Natalie Faulkner Bank Teller Certificate Customer Service Associate Certificate Kathleen Messersmith York County Community Action Jeannine Nobert Basics of Leadership Skills Certificate CFTEA 2018 HONOR STUDENTS Certificates of Honor are awarded to students in 2 and 3 credit classes who have been designated by the instructor of the class as the student who exhibited the highest level of enthusiasm, commitment and learning during the class. This choice is based on quiz and test grades, projects and papers, class attendance and participation. Bath Savings Institution Victoria Cary Principles of Banking CFTEA Student Patricia Gagne Principles of Banking Community National Bank Ashley Jacobs Principles of Banking - Accelerated Katahdin Trust Company Rosemary Langer Money and Banking Kennebec Savings Bank A banker who has earned Teller certification has completed, at a minimum, the classes Principles of Banking, Law & Banking Applications and Your Role as a New Banker. The teller has been recommended by their institution and has completed a 200-question proctored exam achieving a minimum 80% score. Congratulations to all 20 of the new 2018 Certified Tellers!! (New CTs are listed as graduates.) Amy Abbott Residential Mortgage Lending Kennebunk Savings Bank Jennifer Bowley Law and Banking: Applications Penny Emery Verbal Communication Ledyard National Bank Tabitha Doe Principles of Banking Machias Savings Bank Heather Knapp Principles of Banking Carlos Montero Moreno Principles of Banking Lani Smith Consumer Lending Page 12

13 CFTEA 2018 HONOR STUDENTS Machias Savings Bank continued... Logan Wood Principles of Banking Mascoma Bank Michelle Whitcomb Accounting Mechanics Savings Bank Omar Velazquez Analyzing Financial Statements Northfield Savings Bank Dustin Gile Economics Stephanie Riggs Principles of Banking Passumpsic Savings Bank Roger Maleski Principles of Banking Peoples Trust Company Sarah Garvey Verbal Communication Saco and Biddeford Savings Heather Forgea Written Communication Keera Hanscom Principles of Banking Andrew Mowatt Law and Banking: Applications TowneBank Kimberly Walck Commercial Lending Union Bank Danika Barry Commercial Lending Rachel Boozan Real Estate Law Rebekah Glen Human Relations Human Resource Management Organizational Behavior Principles of Banking Jeanette Levesque Verbal Communication Eva Merriam Principles of Banking Jennifer Smith Accounting UNION BANK AND TRUST Kerli Butts Commercial Lending Sanford Institution for Savings Eric Gadbois Organizational Behavior Eileen Huff Law and Banking: Applications Kelly Noel Accounting Security Federal Bank Cameron Hasty Money and Banking Page 13

14 SPOTLIGHT ON SUCCESS In Her Own Words: Shanna Emanuel Claremont Savings Bank I started my banking career in June of 2010 as a full-time teller at Claremont Savings Bank. Like many people, I was signed up to take Principals of Banking within a few months of working at the bank. The class not only introduced me to CFTEA but it also gave me the itch to learn more. By taking advantage of the classes offered by CFTEA and having a supportive work environment, I was able to quickly grow within the company. I earned a promotion to a Teller Coordinator in 2011 and then in 2012 I was promoted to the Customer Service team at our Main Office. In July of 2013 I took on my current role as an Assistant Branch Manager. Throughout my time with Claremont Savings Bank, management has encouraged and supported my continued education. It has always been one of my goals to attend college and earn a degree but unfortunately after high school I couldn t find the time or funds to go back to school. So, I really can t praise CFTEA enough for providing the education I long desired. Over the past 8 years I have taken many classes. I started off working towards and earning my Teller Certification. After passing the Certified Teller Exam I knew I wanted to continue my education with CFTEA. Over the past 8 years I have received, the Supervisors Certificate, General Banking Diploma, Bank Operations Diploma, Advanced Financial Services Diploma, Banking and Finance Diploma and the. What I want you to know about CFTEA is that there are classes for every department, just about every topic and for all levels of employees. The online courses allow you to take courses when it works best for you. It s ok to take one class a year or 3 at a time it s all up to what works best for you. If you are not sure where to get started just ask the CFTEA staff. They can answer your questions and point you in the right direction. The CFTEA staff and all of the teachers I have had the pleasure of working with have been friendly, knowledgeable and encouraging. CFTEA has helped me grow as a banker, as a professional and as a person. In the coming years I plan on continuing taking CFTEA courses until I run out of classes to take or until I retire. There is always something new to learn and I encourage all bankers to take advantage of the courses offered by CFTEA. Page 14 What I want you to know about CFTEA is that there are classes for every department, just about every topic and for all levels of employees.... If you are not sure where to get started just ask the CFTEA staff. They can answer your questions and point you in the right direction. ~S. Emanuel ~J.Moffatt

15 SPOTLIGHT ON SUCCESS In Her Own Words: Melissa Dahlgren Katahdin Trust Company I have been working in the banking industry for 13 years. I started my banking career with TD Bank in 2005, as a part time teller. Three short years later, I began my career with Katahdin Trust Company and recently celebrated 10 years of service. Over my 10 years with Katahdin Trust my roles have included Teller, Branch Service Representative, Customer Service Representative, Retail Services Assistant, and currently Customer Service Representative II lender. Each new role brought new learning opportunities and growth within the bank. I absolutely love what I do! In 2007 I began taking classes with CFT by enrolling in Principles of Banking. This was the perfect introduction to the banking industry. After completing that first class I was hooked. That class led me to want to earn my General Banking diploma. I would recommend to anyone to start with the classes required for this diploma, especially those new to banking like I was. These classes will provide a good banking foundation to build on. I know it did for me. Since then, I have gone on to receive 9 certificates or diplomas, and have a list of classes I plan to take. My learning is not done yet! If I had an opportunity to talk to people about CFT, I would tell them to take advantage of this great resource. CFT has a class for every aspect of your banking career. The knowledge and experience that they will gain from taking classes is something that they will have forever. The class instructors are always willing to help and guide you, and the staff at CFT is amazing. Anytime I have ever had a question they are always quick to respond and help me out. My experience with CFT has been rewarding. My future plan in banking is to one day become a Branch Manager. I believe that CFT is part of this plan. I am currently looking at completing the Supervisor Certificate and possibly teaming up with CFT and St. Joseph s College to earn my Bachelor of Science in Business Administration: Banking Major. Only time will tell what is in my future, but I look forward to being a lifelong learner! If I had an opportunity to talk to people about CFTEA, I would tell them to take advantage of this great resource. CFTEA has a class for every aspect of your banking career. The knowledge and experience that they will gain from taking classes is something that they will have forever. ~M. Dahlgren Page 15

16 SPOTLIGHT ON SUCCESS In Her Own Words: Kirstin Rogers Northfield Savings Bank My name is Kirstin Rogers and I have worked for Northfield Savings Bank since 2012, after graduating from Vermont Technical College where I earned my Bachelor s degree in Business Management & Technology. In my time with Northfield Savings Bank I ve held a couple of different positions. I started as an entry level Community Banker 1 and worked my way up to Community Banker 2, and have recently been promoted to Sr. Community Banker. My responsibilities now include consumer lending, opening transactional accounts for businesses and individuals, and helping to manage all branch activities. I have been successful in all of my roles with the help of CFTEA and internal training programs offered by Northfield Savings Bank. Each position has had its own learning experiences that I feel have helped me grow my banking knowledge and my ability to help the customers I serve. I first learned about CFTEA through Deb Williams, Northfield Savings Bank s VP HR of Operations, Training and Development. Deb encouraged me to start my CFTEA and banking career off by taking Principles of Banking. I took a lot of useful information from that class that helped me to understand the general concepts of banking. From there, I decided to work towards the CFTEA General Banking Diploma. The variety of classes required by the General Banking Diploma really helped deepen my understanding and knowledge of banking. One of the most helpful and informational classes that I took for the General Banking Diploma was Laws and Banking: Principles. This class dealt with many banking regulations and laws, which was very helpful as a new banker and a new CFTEA student. Knowing the regulations and laws helped me understand why as a banker, things needed to be done a certain way. It s very important to be able to tell customers why we do things a certain way; there is a regulation for that! I have continued my CFTEA journey by taking multiple classes in order to gain more knowledge that will help me in all aspects of my career. So far with CFTEA I have received my General Banking Diploma, Intro to Lending Diploma, Advanced Financial Service Diploma, Bank Operations Diploma, Consumer Banking Diploma, Banking and Finance Diploma, and my Supervisor/team Leader Certificate. I plan to continue training with CFTEA in hopes of completing the and Diploma. I think CFTEA is very important to the development to any position held at a financial institution, as it is very relevant and concepts are made easy to learn. The support staff and instructors are knowledgeable, easy to connect with and are available whenever there is a question. They are also extremely helpful in transferring credits from colleges. I was able to transfer some credits from my previous collegiate experience at Vermont Technical College and Community College of Vermont. This greatly helped me further my CFTEA endeavors. Their support and willingness to help bankers achieve their goals is exceptional. I would encourage anyone to look into CFTEA and see how it could help you grow your own career. Page 16 I think CFTEA is very important to the development to any position held at a financial institution, as it is very relevant and concepts are made easy to learn. ~K. Rogers ~J.Moffatt

17 SPOTLIGHT ON SUCCESS In Her Own Words: Megan Page Claremont Savings Bank I started my banking career in June of 2012 after graduating college with an Associates in Accounting. I was hired at Claremont Savings Bank as a teller and right away was encouraged by my manager to start taking courses at CFTEA. As I was taking classes at CFTEA I applied for a position in the Operations department as an Operations Specialist I and was offered the job in After transferring I had completed the Supervisor Certificate, Personal Banker Certificate, and my Bank Service Provider Certificate. Once I had received my first three certificates I wanted to do more with CFTEA because the courses help me learn and understand more about banking. A year later I had completed three more certificates, Consumer Banking, Introduction to Lending, and Bank Operations Certificate. Taking classes with CFTEA has helped me realize how much I enjoy banking as a career and that there is always something new to learn. Last year at Claremont Savings Bank Wellness Fair I spoke with a woman from New England School of Business and decided I wanted to complete a degree in Banking and Finance. Since then I have completed 2 classes and only need four more to get my degree. In March of 2018 I was also promoted to Operations Specialist II. I believe taking courses at CFTEA has helped me grow as a banker and helped me realize I d like to continue banking as my career. After I complete my Associates in Banking and Finance next year I want to continue my education with CFTEA and earn more certificates. Taking classes with CFTEA has helped me realize how much I enjoy banking as a career and that there is always something new to learn. ~M. Page Page 17

18 MESSAGE FROM CFTEA s INCOMING EXECUTIVE DIRECTOR In His Own Words: Andrew Lederer CFTEA Executive Director With a background in teaching, I.T. and process management, I began working at a community bank in Within a few years, I had transitioned to deposit operations for front line programming support, began working at a local community college as adjunct faculty and starting teaching for CFTEA. There are usually a number of questions related to my I.T. background and how that matches with training. Over the years I have had the desire and the unique support of supervisors that have allowed me opportunities to enhance user understanding of Microsoft software while developing software that met their needs. Listening has always been key when approaching any type of process management or programming changes. Listening is also a key skill for those that instruct in a way that enhances student understanding and allows you to grow as an instructor. At one point I even ran a weekly column in a company newsletter entitled Ask Andy which then transformed into Ask Andrew where I answered employee questions and provided tips on how to better use the Microsoft Office products. While I was teaching I was looking for opportunities to provide volunteer time to CFTEA and I was asked to join the board of directors. My time on the board, including the executive committee, allowed me professional development opportunities with my peers and to interact with others that had a passion for learning and development. I completed certificates and diplomas that supported my knowledge of the banking environment but only because I had the backing of amazing supervisors that gave me the right coaching. I was afforded the opportunity to become a certified Myers-Briggs practitioner. I gained experience and personally took the next step of becoming a Myers-Briggs Master Practitioner which allowed me the unique opportunity to work with all levels within multiple organizations in Maine, New Hampshire, Vermont and Massachusetts. Recently, I moved into a senior management position at large community action program in Southern Maine where I oversaw Operations, Human Resources, Marketing, Volunteers and Resource Development. By working closely with the financial side of the non-profit I was able to add new skills to my experience. In 2017, I applied for a grant that helped me reach a professional goal taking my third Disney Institute course, Leadership Excellence. The guidance in this week-long course helped bring fundamental and positive changes to me and to the programs that reported to me, resulting in critical savings. Throughout my career, I have appreciated and valued supervisors and the CFTEA community as ones that supported my desire for life long learning. Along the way, I have met and been inspired by so many people, such as CFTEA students that overcome obstacles to continue their education within the business world. It is important for me to take my experiences from I.T., process management, human resources, operations, non-profit and adult learning and bring them to my role as the new Executive Director of CFTEA. It is with great excitement that I look forward to hearing board, instructor and student feedback on continuing the excellent legacy of CFTEA. Throughout my career, I have appreciated and valued supervisors and the CFTEA community as ones that supported my desire for life long learning. ~A. Lederer Page 18

19 BEST WISHES ON YOUR RETIREMENT TANYA AND JOHANNE! It was around 1986 when the story of CFTEA began. While working for Key Bank, Tanya Kolonoski began volunteering for the Portland Maine Chapter of the American Institute of Banking (AIB). Tanya transitioned to the full time Education Director for Portland and York Maine AIB in September of On July 1,1995 the six volunteer AIB chapters in Maine consolidated with Tanya as the Executive Director of the new Maine AIB. In December of that same year Johanne Randall joined Tanya as Maine AIB s Office Manager. In July 1997 the two volunteer Vermont AIB Chapters and the four volunteer New Hampshire AIB Chapters joined Maine AIB and Nothern New England AIB was born with Tanya and Johanne leading the charge for banking education in Northern New England. In 2000, due to the reorganization of AIB, the organization s name changed to Northern New England Center for Financial Training (NNECFT) but it continued to provide the tri-state area with the same quaility banking education for the region s bankers. NNECFT grew yet again in the Spring of 2013 when it merged with the Center for Financial Training in Norfolk, Virginia (CFTVA) and became the Center for Finanacial Training and Education Alliance CFTEA. Tanya and Johanne have put in over 55 years building CFTEA into the organization you know today providing the banking education you have come to trust. Despite changes in banking, technology, and the world in general, they produced and distributed catalogs of classes, program fliers, organized banquets and annual conferences they have made it all happen! In early November 2018 both Tanya and Johanne will be retiring. THANK YOU! to both of you for the dedication and hard work you have brought to CFTEA, its financial institutions and students. Enjoy your retirement! Page 19

20 IRA Essentials and IRA University with Ascensus With more than 35 years of experience, Ascensus offers tailored solutions that meet the needs of asset managers, banks, credit unions, state governments, financial professionals, employers, and individuals. IRA Essentials OnDemand IRA Essentials OnDemand is the perfect solution for those who need an introduction to IRAs but cannot attend a face-to-face training session. IRA reference materials, job aids, quizzes and videos blend together to create an immersive educational experience. Explore six educational tracks: Introduction to IRAs Establishing an IRA Funding Portability IRA Distributions Reporting You should attend if you: need to learn the basics of Traditional and Roth IRAs want an updated, general refresher on IRA rules. The best part? This convenient educational opportunity is available 24/7, on-demand, wherever you need it. Registration Fee Registration is just $249/user and includes unlimited access for 30 days to all educational tracks and course materials. IRA University IRA University is a six-week course that provides attendees with a solid foundation of IRA knowledge through a combination of interactive weekly webinars and elearning modules. IRA University graduates emerge with confidence in their ability to handle common IRA transactions. After the "Getting Started" kickoff webinar, each week consists of a self-paced elearning module (45 minutes - 1 hour) followed by a 90-minute interactive webinar (Wednesdays, 2:00 pm ET) to help participants apply their knowledge from the elearning module. After completing IRA University, attendees have the opportunity to earn their Certified IRA Specialist I (CIS I) designation for no additional cost. Attaining the CIS I designation will help fulfill your career and give your financial organization's IRA owners the peace of mind that comes from working with a professional IRA representative. Registration Fee Your investment for the full six-week IRA University is First Attendee $1,199 Each Additional Attendee $1,099 Your registration fee includes the CIS I exam - an added value of $275! IRA University Session Dates Next Session: October 3 - November 7, 2018 *Live weekly webinars will be Wednesdays at 2:00 EST, recordings also available upon request. Page 20

21 HSA UNIVERSITY with Ascensus Become a Certified Health Savings Professional through CFTEA HSA University creates an industry standard in HSA expertise with the accredited Certified Health Savings Professional (CHSP) designation. Expand your HSA knowledge in 75 minutes a week over 5 weeks in a format that is flexible to fit your busy schedule. This flexible five-week blended learning course combines weekly webinars and self-paced elearning modules to give you the education and confidence you need to pass the Certified Health Savings Professional (CHSP) exam. Throughout the HSA University, you will attend one weekly 75-minute webinar and complete self-paced on-demand elearning modules. This blended approach gives you the flexibility to build your HSA knowledge base and become a CHSP without leaving the office. Registration for HSA University is open to all types of financial organizations and business professionals. The National Association of Federal Credit Unions (NAFCU) has partnered with Ascensus on the certification program and CHSP designation, but both are open to all types of financial organizations. Who Should Attend? Whether you are looking to gain credibility as an expert by earning the industry-recognized CHSP designation or to acquire in-depth, up-to-date knowledge about HSAs, you should attend HAS University. Registration Fee: $899 (includes the cost of the Online CHSP exam) 2018 HSA University Session Date: October 4 November 1* *Live weekly webinars will be Thursdays at 3:00 EST, recordings also available upon request. Earn a Bachelor of Science in Business Administration: Banking Major (BSBA) Through CFTEA at Saint Joseph s College Have you: Completed any of the CFT classes listed below? Earned a banking diploma through CFT? Taken any college courses? Completed your Associate s Degree? If you answered yes to any of these questions, you ve already started earning your B.S. in Business Administration with a Banking specialty from Saint Joseph s College of Maine. Not in Maine? No problem all of Saint Joseph s College classes are available as distance-learning classes. Wherever you are, you can participate in this degree program! THIS PROGRAM S SPECIAL FEATURES: Designed for banking professionals who want to advance their careers. Courses are a combination of CFT courses and distance education courses from Saint Joseph s College Achieve your degree efficiently by earning college credit for select banking credentials. Most prior learning and career training qualify as degree credits (e.g. college courses, military training and CEUs). Required Banking Classes taken through CFT: 1350: Money and Banking 1370: Principles of Banking 1870: Professional Writing Skills (1 credit) 3670: Law & Banking Applications OR BA302: Legal Environment of Business II 4310: Supervision 5465: Presentation Skills (1 credit) 6350: Commercial Lending 6920: Analyzing Financial Statements 7008: Consumer Lending 7820: Residential Mortgage Lending OR 7880: Real Estate Finance 7740: Marketing for Bankers Click the link below to view the entire degree program: Bachelor of Science in Business Administration (BSBA) Banking Major For more information, or to discuss your entry into the program, contact: Saint Joseph s College: Online Admissions: info@sjcme.edu Page 21

22 SEPTEMBER 2018 CLASSES Online and Self Study Available Year Round! Check for complete details September 3 Analyzing Financial Statements - Online Human Resource Management - Online Law and Banking: Principles - Online Leading Your People to Success - Online Marketing - Online Real Estate Appraisal - Online The Future of Business - Online September 4 IRA Online Institute - Online Principles of Banking - Online The Banking Industry - Online September 10 Accounting - Online Analyzing Bank Performance Online Commercial Lending Norfolk, VA Commercial Lending - Online Consumer Lending Online Law and Banking: Applications - Norfolk, VA Law and Banking: Applications - Online Legal Foundations in Banking - Online Money and Banking - Online Residential Mortgage Lending - Online September 11 Branch Manager Bootcamp (4-day) - New Gloucester, ME Law and Banking: Applications - Falmouth, ME Law and Banking: Applications - CFT Webcourse Managing a Successful Branch - Bootcamp Session - New Gloucester, ME Notary Public Workshop - Brewer, ME Principles of Banking - Norfolk, VA Verbal Communication - Machias, ME September 13 Business Development - Bootcamp Session - New Gloucester, ME Notary Public Workshop - Gilford, NH Principles of Banking - Machias, ME Your Role as a New Banker - Berlin, VT September 14 Maintaining Superior Team Performance - Bootcamp Session - New Gloucester, ME Notary Public Workshop - Wells, ME September 17 Bank Lines of Business - Online Business Communication - Online Economics - Online Human Relations - Online IRA Basics - Sanford, ME Principles of Banking - Online Selling Fundamentals - Online Supervision - Online September 18 Economics - Sanford, ME Leadership and Management - Managers as Leaders Session - White River Junction, VT September 24 Business Math - Online Intro To Trust Products and Services - Online Principles of Banking - CFT Webcourse The Mortgage Lending Business - Online September 27 Principles of Banking - Keene, NH September 12 Leading Service Excellence in Your Branch - Bootcamp Session - New Gloucester, ME Notary Public Workshop - New Gloucester, ME Page 22

23 NEW!! CFTEA CERTIFICATES Please check any Diploma or Certificate you are currently working on for changes to requirements. If you have any questions be in touch with for clarification. *Some classes are ONLY AVAILABLE in certain formats. Please check the worksheets for each diploma or certificate for the format availability of each class. For diploma and certificate requirements in record-keeping worksheets, click on Diplomas and Certificates NEW CFTEA CERTIFICATES IN PARTNERSHIP WITH MINDEDGE!! MindEdge's mission is to improve the way the world learns. Since it was founded by Harvard and MIT educators in 1998, MindEdge has served more than one million learners. Each 3 to 5-hour, self-paced course offers an assortment of interactive exercises, videos, selected readings, case studies, and self-assessments that will engage you and prepare you for application in the workplace. Enroll through the CFTEA website and students will receive a personalized with login instructions. Certificate in Business Communications Communicate Collaboratively Effective Business Writing Effective s, Memos and Letters Effective Presentations Effective Public Speaking Certificate in Online Learning Introduction to Online Learning Narrative Learning Online Learning Accessibility Teaching Online The Technology of Online Learning Certificate in Creativity and Innovation Creativity in Teams & Organizations Innovation in Teams & Organizations Introduction to Critical Thinking Personal Creativity Certificate in Leadership Introduction to Leadership Leaders and Work-Life Balance Leading and Managing Change Leading Teams For course descriptions, pricing and more on our NEW CFTEA MindEdge Certifcates check out our MindEdge page at Certificate in Project Management for Teams Project Management Team Leadership Managing Real World Projects Effectively Managing Project Stakeholders PM Primer: Conflict Resolution PM Primer: Cognitive Ability and Decisiveness The Manager s Toolbox Certificate Business Nuts and Bolts Compliance Challenges Handling Conflict Morale and Inspiration New Leader Challenges New Manager Challenges Performance Challenges If you have completed the requirements for a Diploma or Certificate, please be in touch with tammy@cftea.org to confirm. Print worksheets to help you keep track of your progress on any diploma or certificate here. Page 23

24 CFTEA CERTIFICATES and DIPLOMAS Please check any Diploma or Certificate you are currently working on for changes to requirements. If you have any questions be in touch with for clarification. *Some classes are ONLY AVAILABLE in certain formats. Please check the worksheets for each diploma or certificate for the format availability of each class. For diploma and certificate requirements in record-keeping worksheets, click on Diplomas and Certificates CFTEA CERTIFICATES CFTEA ELEARNING CERTIFICATE PROGRAMS WITH HRDQ BASICS OF LEADERSHIP SKILLS Assertiveness Skills Emotional Intelligence Leadership 101 Talk Like a Leader Transformational Leadership Women and Leadership or Adapting Your Leadership Style PROFESSIONAL DEVELOPMENT I Balancing Priorities Creative Problem Solving Developing Positive Relationships Effective Listening Skills How to Manage Your Emotions Work Habits PROFESSIONAL DEVELOPMENT II Assertiveness Ideas into Action Mental Models Resilience Taking Control of Conflict Why We Struggle with Tough Decisions PROFESSIONAL DEVELOPMENT FOR SUPERVISORS Adapting Your Leadership Style Coaching for Development Developing Your Direct Reports Diversity Awareness Employee Engagement Leading Others Through Change Onboarding PROFESSIONAL DEVELOPMENT FOR SUPERVISORS II Assertiveness Skills Behavioral Interview Skills Business Etiquette for Supervisors Critical Thinking Skills Delegating for Growth Fundamentals of Strategic Planning Meetings Navigating Difficult Conversations Skillful Collaborations Taking Control of Conflict Team Excellence The Art of Influencing Others Why We Struggle with Tough Decisions SALES ESSENTIALS I Developing Clients for Life Opening the Sales Call Presenting, Overcoming and Closing Prospecting and Territory Management Understanding the Sales Cycle What to Ask, How to Listen ONCOURSE CERTIFICATE PROGRAMS THROUGH CFTEA LEADERSHIP DEVELOPMENT Introduction to Management Basics Time Management Business Writing How to Lead and Participate Effectively in Meetings Coaching and Feedback Leading People Through Change Handling Conflict Sharpening Your Interviewing Skills Managing Multiple Generations at Work Introduction to Project Management Concepts MEMBER SERVICES FOR CREDIT UNIONS Customer Service REAL Customer Service 1 - Showing Customers You Care. REAL Customer Service 2 - Using Language to Serve the Customer REAL Customer Service 3 - Opening the Conversation REAL Customer Service 4 - Diagnosing Customer Needs REAL Customer Service 5 - Responding to Customer Requests REAL Customer Service 6 - Taming Challenging Conversations REAL Customer Service 7 - Closing the Conversation MORTGAGE LENDING Analyzing Personal Financial Statements Consumer Credit Products High-Cost Mortgages (HOEPA) Home Equity (Open-End Credit) IRS Reporting for Real Estate Transactions Mortgage Fraud Awareness Private Mortgage Insurance Residential Mortgage 1-2-3: Mortgage Process Reverse Mortgage Second Lien Real Estate Mortgage Loans/Junior Real Estate Mortgage Loans Subprime and Predatory Lending THE CUSTOMER SERVICE EXPERIENCE Customer Service REAL Customer Service 1 Showing Customers Your Care REAL Customer Service 2 Using Language to Service the Customer REAL Customer Service 3 Opening the Conversation REAL Customer Service 4 Diagnosing Customer Needs REAL Customer Service 5 Responding to Customer Requests REAL Customer Service 6 Taming Challenging Conversations REAL Customer Service 7 That s a Wrap Closing the Conversation THE SALES EXPERIENCE Cross-Selling REAL Sales 1 The Other Side of Service REAL Sales 2 Adding Value Through Cross-Selling REAL Sales 3 Adding Value Through Up-Selling REAL Sales 4 Overcoming Resistance If you have completed the requirements for a Diploma or Certificate, please be in touch with tammy@cftea.org to confirm. Print worksheets to help you keep track of your progress on any diploma or certificate here. Page 24

25 CFTEA CERTIFICATES *Some classes are ONLY AVAILABLE in certain formats. Please check the worksheet for each diploma or certificate for the format availability of each class. For diploma and certificate requirements in record-keeping worksheets, click on Diplomas and Certificates Contact with Certificate and Diploma questions. ADVANCED BANK TELLER Prerequisite: Certified Teller or Certified Banker Calming Upset Customers Dealing Effectively with Co-Workers Deposit Accounts and Services or Understanding Bank Products or Your Bank s in-house product-knowledge class Effective Referrals Suite or Effective Client Referrals Essentials of Workplace Conduct Fraud, Scams and Cons Relationship Sales Suite or Introduction to Relationship Selling Regulatory Compliance for Front Line Bankers Why Quality Customer Service Matters Suite or Revitalizing Customer Service ADVANCED CUSTOMER SERVICE REPRESENTATIVE Prerequisite: Customer Service Associate Certificate or Bank Security Basics of Consumer Lending or Fundamentals of Consumer Lending Deposit Accounts and Services or Understanding Bank Products or Your Bank s in-house product-knowledge class Essentials of Workplace Conduct Fraud, Scams and Cons Relationship Sales Suite or Introduction to Relationship Selling IRAs Basics or Introduction to IRAs Law and Banking: Applications Principles of Banking or Banking Fundamentals Regulatory Compliance for Front Line Bankers Verbal Communication Written Communication BANK COMPLIANCE FOR FRONT LINE BANKERS Principles of Banking or Banking Fundamentals ADA Overview and Employment Bank Bribery Act Bank Protection Act BAS/AML Overview Community Reinvestment Act (CRA) BSA/AML: Completing a Currency Transaction Report Electronic Funds Transfer Act: Reg E Overview Expedited Funds Availabilty Act RegCC Fair Credit Reporting Act FDIC Deposit Insurance Information Security and Red Flags Office of Foreign Asset Control (OFAC) Privacy for Customer Contact Personnel: Reg P Truth in Savings Act (Reg DD) BSA/AML: USA Patriot Act BANK SOLUTIONS PROVIDER Banking Basics Suite or Principles of Banking or Banking Fundamentals Fundamentals of Consumer Lending Suite Fundamentals of Small Business Banking Suite Understanding Bank Products or Deposit Accounts and Services BANK TELLER Banking Basics Suite or Principles of Banking or Banking Fundamentals Communication Basics Suite Dealing Effectively with Co-Workers Effective Referrals Suite or Effective Client Referrals Essentials of Workplace Conduct Online Communication Suite Teller Basics Verbal Communication Suite or Effective Telephone Communication Written Communication Suite or Effective Written Communication or Written Communication BRANCH MANAGER Banking Basics Suite or Principles of Banking or Banking Fundamentals Coaching to Support the Sales Process Suite or Sales Coaching Employment Law or Managing Employee Relations Fundamentals of Consumer Lending Suite Fundamentals of Small Business Banking Suite Leadership in Action Suite Leveraging the Benefits of a Diverse Workforce or Working Together Making the Client Call Suite or Needs-Based Selling Management Essentials Suite or Today s Supervisor Certificate Or ALL Six: Coaching for Success Corrective Action Meetings that work Rewards and Recognition Hiring the Best Managing Employee Performance Overcoming Objections Suite Presentation Skills or Verbal Communication Relationship Sales Suite or Introduction to Relationship Selling Sales Planning Suite or Building and Retaining Customer Relationships Servicing and Growing Small Business Relationships Verbal Communication Suite or Effective Telephone Communication Why Quality Customer Service Matters Suite or Revitalizing Customer Service Written Communication Suite or Effective Written Communication or Written Communication BANK COMPLIANCE FOR LENDING Principles of Banking 17 regulation titles are required. Check out Certificates to view the worksheet with course specifics. If you have completed the requirements for a Diploma or Certificate, please be in touch with tammy@cftea.org to confirm. Print worksheets to help you keep track of your progress on any diploma or certificate here. Page 25

26 CFTEA CERTIFICATES BUSINESS CREDIT ANALYST Banking Basics Suite or Principles of Banking or Banking Fundamentals Advanced Business Credit Analysis Fundamentals of Credit Analysis and Business Financing Structuring Commercial Loan Packages Successful Completion of Take Home Exam Additional Certification: BUSINESS CREDIT AND TAX RETURN ANALYST All above requirements completed to earn Business Credit Analyst Certificate Analyzing the Tax Returns of Businesses Analyzing Personal Financial Statements and Tax Returns Successful Completion of Take Home Exam CALL CENTER REPRESENTATIVE Banking Basics Suite or Principles of Banking or Banking Fundamentals Making the Client Call Suite or Needs-Based Selling Dealing Effectively with Co-Workers Effective Referrals Suite or Effective Client Referrals Relationship Sales Suite or Introduction to Relationship Selling Regulatory Compliance for Front Line Bankers Why Quality Customer Service Matters Suite or Revitalizing Customer Service Tele-Consulting Understanding Bank Products or Deposit Accounts and Services Verbal Communication Suite or Effective Telephone Communication BANK FINANCIAL MANAGEMENT Analyzing Bank Performance Managing the Bank s Investment Portfolio Managing Funding, Liquidity and Capital Managing Interest Rate Risk CERTIFICATE IN BSA AN AML COMPLIANCE Introduction to BSA/AML SARs and Information Sharing Currency and Correspondent Banking Accounts Electronic Banking and Funds Transfer Activities Higher Risk Accounts and Activities BSA Requirements for Business Accounts BSA Requirements for Foreign Customers and Accounts Components of an AML Compliance Program International Partners in AML Office of Foreign Assets Control for Compliance Professionals CERTIFICATE IN BUSINESS AND COMMERCIAL LENDING Level 1: Understanding Business Borrowers Level 2: Analyzing Business Financial Statements and Tax Returns Level 3: Analyzing Personal Financial Statements and Tax Returns Level 4: Qualitative Analysis and Determining a Credit Risk Rating Level 5: Loan Structuring, Documentation, Pricing and Problem Loans CERTIFICATE IN DEPOSIT COMPLIANCE (for Compliance Professionals) Anatomy of a Regulation BSA/USA Patriot Act Digital Compliance Electronic Funds Transfer Act (Reg E) Elements of a Compliance Program Expedited Funds Availability Act (Reg CC) Office of Foreign Asset Control (OFAC) Privacy/Information Sharing Reserve Requirements for Depository Institutions Act (Reg D) Truth-in-Savings Act (Reg DD) Unfair, Deceptive or Abusive Acts or Practices (UDAAP) CERTIFICATE IN FRAUD PREVENTION Introduction to Fraud Management Establishing a Fraud Prevention Program Types of Fraud and Prevention Strategies Operating a Fraud Prevention Program Maintaining a Compliant Fraud Prevention Program CERTIFICATE IN GENERAL BANKING Facilitated Online: Banking Fundamentals Suite, which includes: The Banking Industry Bank Lines of Business Building Customer Relationships General Accounting Legal Foundations in Banking Marketing in Banking Money and Banking Self-Paced Online: CERTIFICATE IN LENDING COMPLIANCE (for Compliance Professionals) Anatomy of a Regulation Community Reinvestment Act, Community Bank (CRA) or * Community Reinvestment Act, Large Bank (CRA) Credit Card Regulations Elements of a Compliance Program Equal Credit Opportunity Act (ECOA: Reg B) Fair Credit Reporting Act (FCRA) Home Mortgage Disclosure Act (HMDA) Loans to Insiders (Reg O) National Flood Insurance Regulations Real Estate Settlement Procedures Act (RESPA) Reg Z Ability to Repay (ATR) and Qualified Mortgage (QM) Reg Z Closed-End Credit Reg Z Open-End Credit Servicemembers Civil Relief Act (SCRA_ Unfair, Deceptive or Abusive Acts or Practices (UDAAP) *Choose either CRA - Large Bank or CRA - Community Bank. Your enrollment includes access to both, but you are only required to take one of these courses to earn the certificate. If you have completed the requirements for a Diploma or Certificate, please be in touch with tammy@cftea.org to confirm. Print worksheets to help you keep track of your progress on any diploma or certificate here. Page 26

27 CFTEA CERTIFICATES A CERTIFICATE OPERATIONAL RISK MANAGEMENT Elements of an Operational Risk Management Program Cybersecurity Management Fraud and Criminal Threats Incident Management and Resilience Operational Risk Model Management Oversight and Management Operational Risk Payments and Settlements Physical Security Regulatory Exam Management Risk and Control Self Assessment Vendor Risk Management ABA CERTIFICATE IN TRUST: ADVANCED Asset Allocation and Portfolio Management Economics & Markets Education Planning Solutions for Minors Estate Planning for Charitable Giving Estate Planning for IRAs and Qualified Plan Balances Estate Planning for the Marital Deduction Estate Planning Solutions for the Business Owner Fundamentals of Alternative Investment Products Generation-Skipping Transfer Tax Gift Taxation Income Tax Planning Managing Life Insurance Policies Planning for Estate Tax Prudent Portfolio Management Special Needs Trusts CERTIFICATE IN TRUST: FOUNDATIONAL A Guide to Ethics in Fiduciary and Trust Activities A Guide to Ethics in Investments Estate and Guardian Administration Introduction to Estate Planning Introduction to Investment Management Introduction to IRAs Introduction to Planning for Retirement Assets Introduction to Trust Administration Minimizing Fiduciary Risk and Litigation CERTIFICATE IN TRUST: INTERMEDIATE A Guide to Ethics in Financial Planning A Guide to Ethics in Tax Law & Tax Planning Account Acceptance and Termination Basic Characteristics of a Trust Bond Selection and Analysis Discretionary Distributions Duties and Powers of the Trustee Estate Planning to Achieve Client Goals Fiduciary Income Tax Fiduciary Law Fundamentals of Life Insurance How Trusts are Taxed Investment Policy Investment Products Stock Selection and Analysis Types of Insurance Understanding Transfer Tax CERTIFIED BANKER Bank Security or Robbery and Bank Security Customer Service or Why Quality Customer Service Matters Suite Dealing Effectively with Co-Workers Developing as a Professional Effective Referrals Suite or Effective Client Referrals Ethicial Issues for Bankers or Ethics in the Workplace Law and Banking: Applications Principles of Banking Understanding Bank Products Upon completion of all of the classes listed above, this certificate requires the successful completion of either the Certified Banker Exam or the Certified Teller Exam. A passing grade of 80% must be accomplished. CERTIFIED TELLER Bank Security (New Hampshire and Vermont Applicants only) Teller-Customer Relations Seminar Principles of Banking Law & Banking: Applications Completion of Requirements of Applicant s Financial Institution Completed Application and Letter of Recommendation Successful Completion of Certified Teller Exam CUSTOMER SERVICE ASSOCIATE Banking Basics Suite or Principles of Banking or Banking Fundamentals Making the Client Call Suite or Needs-Based Selling Dealing Effectively with Co-Workers Effective Referrals Suite or Effective Client Referrals Verbal Communication Suite or Effective Telephone Communication Essentials of Workplace Conduct Why Quality Customer Service Matters Suite or Revitalizing Customer Service CUSTOMER SERVICE REPRESENTATIVE Banking Basics Suite or Principles of Banking or Banking Fundamentals Communication Basics Suite Dealing Effectively with Co-Workers Effective Referrals Suite or Effective Client Referrals Online Communications Suite Overcoming Objections Suite Relationship Sales Suite or Introduction to Relationship Selling Understanding Bank Products or Deposit Accounts and Services Verbal Communication Suite or Effective Telephone Communication Why Quality Customer Service Matters Suite or Revitalizing Customer Service Written Communication Suite or Effective Written Communication or Written Communication DEVELOPING LEADERS Leadership & Communication Emotional Intelligence Works Foundations of Leadership Leading Teams Leading with Influence Developing the Leaders of Tomorrow If you have completed the requirements for a Diploma or Certificate, please be in touch with tammy@cftea.org to confirm. Print worksheets to help you keep track of your progress on any diploma or certificate here. Page 27

28 CFTEA CERTIFICATES FOUNDATIONAL CERTIFICATE IN BANK MARKETING Facilitated Online: Marketing in Banking Marketing PlanninG Marketing Management Self-Paced Online: Marketing in a Digital World to include: Search Engine Optimization Build Your Campaign Find Your Audience The Power of Facebook Leveraging LinkedIn Strategic Twitter Recognizing and Preventing UDAAP HEALTH SAVINGS ACCOUNT EXPERT CERTIFICATE Modules are: Overview of Health Savings Accounts HSA Eligibility HSA Contributions HSA Distributions HSA Account Administration HSA Benefits, Strategies, and Best Practices How Much Do You Know About HSAs? INSTRUCTOR Managing Your Time Skills & Tips for Running a Successful Webinar Teaching Adults Tools to Make Training Active and Fun Verbal Communication Your Job as a Facilitator INTERPERSONAL SKILLS A Question of Workplace Attitude Calming Upset Customers Emotional Intelligence Works or Dealing Effectively with Co-Workers Winning at Human Relations Working in Teams Working Together or Leveraging the Benefits of a Diverse Workforce MANAGERS AS LEADERS Building and Maintaining Your Team Development, Coaching and Performance Management Leadership and Management Leading in Excellence Managing Time and Change in a Leadership Role PERSONAL DEVELOPMENT Balancing Home and Career Dealing with Stress Developing as a Professional or Portrait of a Professional Goals and Goal Setting The Business of Listening Time Management or Managing Your Time at Work Working Together or Leveraging the Benefits of a Diverse Workplace or Understanding Age Diversity in the Workplace PERSONAL BANKER Banking Basics Suite or Principles of Banking or Banking Fundamentals Communication Basics Suite Effective Referrals Suite or Effective Client Referrals Fundamentals of Consumer Lending Suite Fundamentals of Small Business Banking Suite Introduction to Analyzing Financial Statements Making the Client Call or Needs-Based Selling Managing Time at Work or Managing Your Time Online Communication Suite Overcoming Objections Suite Relationship Sales Suite or Introduction to Relationship Selling Sales Planning Suite or Building and Retaining Customer Relationships Understanding Bank Products or Deposit Accounts and Services Verbal Communication Suite or Effective Telephone Communication Written Communication Suite or Effective Written Communication or Written Communication PROFESSIONAL COMMUNICATION SKILLS Conquering Communication Creative Decision Making and Problem Solving Establishing Expectations and Service Standards for Your Team Strengthening Interpersonal Relationships and Motivation Communicate with Confidence, Comfort and Conviction RESIDENTIAL MORTGAGE LENDER Banking Basics Suite or Principles of Banking or Banking Fundamentals Appraisal Procedures Basics of Mortgage Processing Completing the HUD-1 Discovering FHA Programs Effective Client Referrals Elements of Title Insurance Essentials of Mortgage Lending Explaining Loan Modifications Gathering the Facts on Mortgage Fraud Mortgage Customer Counseling and Prequalification Personal Tax Return Analysis Preparing the Closing Documentation Preparing the Loan Estimate Processing and Underwriting Credit Processing Income and Assets Reviewing the Appraisal Report SALES MANAGER Banking Basics Suite or Principles of Banking or Banking Fundamentals Effective Meetings or Meetings That Work Employee Recognition or Rewards and Recognition Relationship Sales Suite or Introduction to Relationship Selling Coaching to Suppor the Sales Process Suite (fka Sales Coaching in the Bank)* Successful Sales Campaigns* * or Sales Management *you must take 2 of the 3 sales class offerings If you have completed the requirements for a Diploma or Certificate, please be in touch with tammy@cftea.org to confirm. Print worksheets to help you keep track of your progress on any diploma or certificate here. Page 28

29 CFTEA CERTIFICATES SALES SKILLS CERTIFICATE Banking Basics Suite or Principles of Banking or Banking Fundamentals Effective Meetings or Meetings that Work Effective Referrals Suite or Effective Client Referrals Employee Recognition or Rewards and Recognition Making the Client Call or Needs-Based Selling Relationship Sales Suite or Introduction to Relationship Selling Sales Training Basics or Sales Essentials I Bundle Understanding Bank Products or Deposit Accounts and Services SECURITY AWARENESS Bank Security Security Awareness Training Financial Elder Abuse Fraud, Scams & Cons SMALL BUSINESS BANKER Calling on Small Business Customers Credit Products for Small Businesses Deposit Products and Services for Small Businesses Fundamentals of Small Business Banking Suite Introduction to Analyzing Financial Statements Personal Tax Return Analysis Relationship Selling to Small Business Customers Retirement Products for Small Businesses Sales Planning Suite or Building and Retaining Customer Relationships Servicing and Growing Small Business Relationships Small Business Borrowing SUPERVISOR/TEAM LEADER Banking Basics Suite or Principles of Banking or Banking Fundamentals Building Collaborative Teams Communication Basics Suite Employment Law Empowerment Leveraging the Benefits of a Diverse Workforce or Working Together *** Management Essentials Suite or Today s Supervisor Certificate Or all six: Coaching for Success Corrective Action Hiring the Best Managing Employee Performance Meetings That Work Rewards and Recognition *** Managing Change Online Communictions Suite Presentation Skills Suite or Presentation Skills or Verbal Communication Verbal Communication Suite or Effective Telephone Communication Why Quality Customer Service Matters or Revitalizing Customer Service Written Communication Suite or Effective Written Communication or Written Communication TODAY S SUPERVISOR Banking Basics Suite or Principles of Banking or Banking Fundamentals Ethics in the Workplace Behavioral Interviewing How to Handle Change and Upheaval Legal Issues for Mangers *** Maximizing Performance: Coaching, Rewards & Recognition Effective Performance Appraisals Effective Performance Management Managing in Thirds *** Toughest Supervisor Challenges What s Your Coaching Style Assessment Successful Completion of Today s Supervisor Certificate UNIVERSAL BANKER Banking Basics Suite or Principles of Banking or Banking Fundamentals Communication Basics Suite Dealing Effectively with Co-Workers Effective Meetings or Meetings That Work Managing Change Online Communications Suite Overcoming Objections Suite Presentation Skills Suite or Presentation Skills or Verbal Communication Relationship Sales Suite or Introduction to Relationship Selling Verbal Communication Suite or Effective Telephone Communication Why Quality Customer Service Matters Suite or Revitalizing Customer Service Written Communication Suite or Effective Written Communication or Written Communication Please check any Diploma or Certificate you are currently working on for changes to requirements. Some classes are ONLY AVAILABLE in certain formats. Please check the worksheet for each diploma or certificate for the format availability of each class. For diploma and certificate requirements in record-keeping worksheets, click on Diplomas and Certificates Contact Tammy@cftea.org with Certificate and Diploma questions. If you have completed the requirements for a Diploma or Certificate, please be in touch with tammy@cftea.org to confirm. Print worksheets to help you keep track of your progress on any diploma or certificate here. Page 29

30 CFTEA DIPLOMAS If you began working on a diploma that now has slightly different requirements, please contact the CFT office and we will work with you. ADVANCED FINANCIAL SERVICES DIPLOMA Accounting Analyzing Financial Statements or Certificate in Business & Commercial Lending Levels 1-3 Economics or Money and Banking Law and Banking: Applications or Principles Marketing or All 3: Markting in Banking, Marketing Management, Marketing Planning Principles of Banking or Banking Fundamentals Supervision or Supervisor/Team Leader Certificate or Today s Supervisor Certificate/Advanced Supervisor/Leadership Certificate Verbal Communication Written Communication Plus 1 lending class (see worksheet online for options) BANK MARKETING DIPLOMA Dealing Effectively with Co-Workers Economics for Bankers or Money and Banking Managing Time at Work or Managing Your Time Marketing or All 3: Markting in Banking, Marketing Management, Marketing Planning Principles of Banking or Banking Fundamentals Successful Sales Campaigns BANK OPERATIONS DIPLOMA Accounting Economics or Money and Banking Law & Banking: Applications or Principles Principles of Banking or Banking Fundamentals Supervision or Supervisor/Team Leader Certificate or Today s Supervisor Certificate/Advanced Supervisor/Leadership Certificate Verbal Communication Written Communication BUSINESS BANKING AND COMMERCIAL LENDING All 5 Levels of Certificate in Business and Commercial Lending OR Both: Analyzing Financial Statements AND Commercial Lending Accounting Credit Products for Small Businesses Deposit Products for Small Businesses Law and Banking: Principles Principles of Banking or Banking Fundamentals Presentation Skills or Verbal Communication Relationship Selling to Small Business Customers Servicing and Growing Small Business Relationships Written Communication CONSUMER BANKING DIPLOMA Accounting Intro to Analyzing Financial Statements or Personal Tax Return Analysis Sales Planning Suite or Building and Retaining Customer Relationships Consumer Lending Effective Referrals Relationship Sales Suite or Introduction to Relationship Selling Law and Banking: Applications or Principles Principles of Banking or Banking Fundamentals Verbal Communication Written Communication CREDIT ANALYSIS DIPLOMA Accounting Analyzing Financial Statements or Certificate in Business and Commercial Lending Levels 1-3 Commercial Lending or Certificate in Business and Commercial Lending Levels 4-5 Law and Banking: Principles Personal Tax Return Analysis or Analyzing Personal Financial Statements and Tax Returns Principles of Banking or Banking Fundamentals Verbal Communication Written Communication Plus 2 elective classes from a specific list. See worksheet online. GENERAL BANKING DIPLOMA Accounting Economics for Bankers or Money and Banking Law and Banking: Applications or Principles Marketing or All 3: Markting in Banking, Marketing Management, Marketing Planning Principles of Banking or Banking Fundamentals Verbal Communication Written Communication Plus 1 elective class from a specific list. See worksheet online. INTRODUCTION TO HUMAN RESOURCES Business Communications or Verbal Communication and Written Communication Human Relations Human Resource Management Principles of Banking or Baning Fundamentals Plus 2 of the following: Interviewing or Hiring the Best Managing Performance or Managing Employee Performance Employment Law or Managing Employee Relations Organizational Behavior INTRODUCTION TO LENDING Accounting Introduction to Analyzing Financial Statements Economics or Money and Banking Principles of Banking or Banking Fundamentals Written Communication Plus 2 lending classes (see worksheet online for options) If you have completed the requirements for a Diploma or Certificate, please be in touch with tammy@cftea.org to confirm. Print worksheets to help you keep track of your progress on any diploma or certificate here. Page 30

31 CFTEA DIPLOMAS MILITARY BANKING OPERATIONS Accounting Analyzing Bank Performance Economics or Money and Banking Law and Banking: Principles Managing Funding, Liquidity and Capital Managing Interest Rate Risk Principles of Banking or Banking Fundamentals Supervisor/Team Leader Certificate or Today s Supervisor Certificate RESIDENTIAL MORTGAGE LENDING Accounting Intro to Analyzing Financial Statements Economics or Money & Banking Making Referrals Suite or Effective Client Referrals Relationship Management Suite or Introduction to Relationship Selling Law and Banking: Principles Managing Time at Work or Managing Your Time Personal Tax Return Analysis Principles of Banking or Banking Fundamentals Residential Mortgage Lending Verbal Communication Written Communication SUPERVISION DIPLOMA Dealing Effectively with Co-Workers Essentials of Workplace Conduct Managing Time at Work or Managing Your Time Principles of Banking or Banking Fundamentals Supervision Supervisor/Team Leader Certificate or Today s Supervisor Certificate Teaching Adults Verbal Communication Written Communication UNIVERSAL BANKER DIPLOMA Consumer Lending Economics or Money and Banking Emotional Intelligence Law and Banking: Principles Managing Change Principles of Banking or Banking Fundamentals Sales Essentials I or Selling Fundamentals Verbal Communication or Business Communication CFTEA Written Communication or Business Communication COLLEGE CREDIT TRANSFERS Have you taken college courses? Credit for completed college courses may be transferred to a student s CFT transcript. Classes must be completed at an accredited post-secondary institution. The credits must be accompanied by grades of C or better in order to be eligible for transfer. In order to transfer credits from a college to CFT, the CFT office must be sent an official transcript of the student s credits and grades from the college as well as course descriptions for the classes intended to be transferred. We strongly suggest that you contact the CFT office (tammy@cftea.org) for assistance PRIOR to ordering an official transcript from your educational institution in order to potentially save you time and cost. A fee of $40.00 is assessed for the evaluation of transfer credit. CFTEA CLASS FORMATS CFTEA has a lot of class formats. Here is a quick rundown of our class formats for you: (click on any format title to go to that format online for complete info) Live Classroom: You go to the class with other students and an instructor. Self Paced Elearning: You are on your own at a computer taking short classes. Short meaning the class only takes several hours to complete. There are typically no materials for the class. Instructor-Led Online: You take the course online submitting assignments weekly to an instructor. Your submissions and exams are all done online. You may or may not have physical materials. Webcourses: You take the class on any computer that has internet access and either audio capabilities or by phone. There is a class meeting time and you have the interaction of other students and your instructor. You have physical materials. Assisted Self Study: You take the class with physical materials at your own pace with an instructor available to you if you need it. You are provided a suggested syllabus to keep you on track. Some of the classes available Assisted Self Study can be completed by Testing Out : You take one exam and that is your course grade. You can request a text. Short Topic Webinars: You take the class on any computer with internet access. There is a live time for the classes and options for recordings of the classes if that time doesn t work for you. If you have completed the requirements for a Diploma or Certificate, please be in touch with tammy@cftea.org to confirm. Print worksheets to help you keep track of your progress on any diploma or certificate here. Page 31

32 YOUR CFTEA YOUR CFT IS CFTEA Please be certain when you are searching the internet for the latest CFT class information that you select We are CFTEA. CFTEA covers Maine, New Hampshire, Vermont and Virginia. We have your records and to keep your transcript complete it is very important that you enroll with CFTEA! CFTEA WEBCOURSES Why enroll into an CFT WEBCOURSE? If a live class is preferred, our Webcourses are LIVE!!! All students and the class instructor will attend the class together with their computer and telephone. They will discuss class topics together, view material placed online by the instructor and have questions answered directly and immediately by the instructor. If being able to plan on attending a class at a specific time helps a student to successfully complete the class, our webinars are scheduled for specific days at a specific time. Students will be expected to participate in each class. Our instructors are bankers within our footprint and have been CFT instructors teaching our classes in our live classrooms. Attend your class for two hours once a week for a stated number of weeks. Homework will be assigned and expected to be completed prior to the next class session. Participate from any location with a telephone and a computer with Internet access office, home, library. No live class available in your area? A CFT webinar can be attended from ANYWHERE!! FALL 2018 WEBCOURSES Class Start Date Time Accounting PM If you have taken Instructor-Led Online classes, you may be on another CFT s ing list and receiving notices of classes you would like to enroll in. We can get you into those classes! Just be sure that your enrollments come through CFTEA so your transcript is complete. So Remember! YOUR CFT is CFTEA!! Analyzing Financial Statements Spring PM Certified Teller Exam Review PM Law and Banking: Applications PM Principles of Banking PM Skills and Tips for Running a Successful Webinar AM Written Communication :30-7:30 PM HAVE YOU TRIED A CFT LIVE WEBOURSE YET? YOU JUST MIGHT LOVE THIS FORMAT!!!! A CFT Webcourse blends the convenience of attending a class online, wherever you may be, with the value of being a part of a live classroom. Use your telephone and computer to join the classroom at a specific time on a specific day with a live instructor. Prepare assignments that you will discuss in class and review material your instructor places online that you will see on your computer along with the rest of your class. Participate in discussions and ask questions of your instructor during class. Finish the class in fewer sessions earning the same credits as comparable in-person live classes. Page 32

33 Congratulations to ALL of the CFTEA Graduates and Honor Students! YOUR HARD WORK HAS BEEN NOTICED!! Check us out online at Fall 2018 Course Listings Online Classes Webcourses and Webinars Self Study Diploma & Certificate Requirements WHAT S NEW Headlines Month-at-a-Glance Class Calendars And MUCH, MUCH MORE! CENTER FOR FINANCIAL TRAINING & EDUCATION ALLIANCE Suite 303 Auburn Hall, 60 Pineland Drive New Gloucester, Maine info@cftea.org Fax: ***************************************************** Andrew Lederer, Executive Director Andrew@cftea.org Tanya Kolonoski, Consulting Director Tanya@cftea.org Tammy Perkins, Marketing & Student Affairs Manager Tammy@cftea.org Johanne Randall, Enrollment Manager Johanne@cftea.org Acknowledgment of your enrollment into LIVE classes A confirmation of your enrollment will be sent to you when the CFT office receives your enrollment form. The confirmation will be sent to your address or the physical address on your enrollment form if you did not provide us with an address. If you enrolled into a class and did not receive a confirmation of your enrollment, PLEASE DO NOT ASSUME WE RECEIVED YOUR ENROLLMENT. PLEASE CONTACT THE CFT OFFICE TO ASSURE YOUR PLACE IN THE CLASS: Johanne@cftea.org or Tammy@cftea.org Are you expecting to complete a CFT Diploma or Certificate by May 31, 2019? If so, please tell us we do not automatically follow the educational course of each of our students; but if you contact us with your expectations, we will put you on our follow list and be sure you are on our graduates list for the school year in which you complete your diploma or certificate! Contact Tammy@cftea.org Your Next Accomplishment! CFTEA is your KEY to SUCCESS For help planning your next success, Tammy@cftea.org