Products and Services

ICBA released a comprehensive summary of the recently released interagency final rule to reform Community Reinvestment Act regulations. The new summary recaps the new rule’s coverage, assessment areas, new tests, community development credit, recordkeeping requirements, and more.

ICBA released a high-level summary of the recently released interagency final rule to reform Community Reinvestment Act regulations. This four-page summary breaks down the nearly 1,500-page rule for banks that qualify under the small, intermediate, and large bank asset thresholds. It also details the new retail lending test and rules on assessment areas.

The rules and regulations governing IRAs, HSAs, and other tax favored savings accounts are constantly evolving. This can prove to  be challenging to keep up with. Rely on our industry experts to bring you up to date on recently proposed legislation and regulatory changes that may affect your organization and your clients.

The rules and regulations governing IRAs, HSAs, and other tax favored savings accounts are constantly evolving, making it difficult to stay informed. Industry experts will provide you with a comprehensive update on recently proposed legislation and regulatory changes that could impact your organization and clients. Stay ahead of the curve and ensure you're equipped with the latest information to navigate these changes effectively.

In the face of constant cybersecurity threats, it's easy to feel discouraged. Most penetration tests exploit common weaknesses and misconfigurations, mirroring real-world attack methods. But what if you could turn the tables on attackers?

Further details will be available 30 days prior to the webinar date.

Most people in the banking business are familiar with IRS Form 1099-INT, which deals with true interest payments (payments for the use or forbearance of money). 

Many community bank holding companies use share repurchase transactions as the primary avenue of liquidity for their common stock. These types of transactions have  myriad considerations, including those related to program structure, pricing, funding, regulatory, and corporate approvals.

Many community banks are contemplating the future of digital assets and the role they will play in the financial services industry. The various possibilities and issues related to virtual currencies, non-fungible tokens, and other digital assets are endless.

Frontline banking staff often face challenges in managing ACH (Automated Clearing House) transactions, from processing payments to handling disputes. This webinar is designed to equip staff with the essential knowledge and practical skills needed to manage ACH transactions efficiently. Participants will learn how to process payments accurately, resolve disputes, and handle stop payments, ensuring smooth operations and a positive customer experience.

This informative session explores the latest updates to the Nacha ACH Rules. Attendees can expect an in-depth review of recent and upcoming changes to the Nacha Operating Rules, including:

In response to the 2023 bank failures and tightening liquidity conditions, the focus on liquidity and risk management has intensified. It is a crucial time to explore how proactive financial institutions are adopting "best practice" approaches to liquidity management.

Recognizing that you have a troubled credit in your portfolio is traumatic enough. Having to deal with a declining relationship that may cause your bank a significant loss can create an outright panic. Instead of freezing or believing that things will get better on their own, now is the time to blaze the path forward to avoid a charge off.

Further details will be available 30 days prior to the webinar date.

Everyone is talking about AI and how it is changing how people work, live—and bank. This webinar is designed to provide community bankers with a primer on artificial intelligence and the opportunities the future may hold for community banks. Gain a clear understanding of the strengths and weaknesses of this technology and its potential impact.

Members: $219
Nonmembers: $319
Unlimited Webinar Pass subscription: $0

AI can be used in many different ways to power your bank offerings and services. Learn how bankers like you are implementing AI at their banks to benefit customers, evolving their user experience and augmenting existing resources to improve efficiency as well as how they are skilling up their teams to maximize the potential value of the technology.

Members: $219
Non-members: $319
Unlimited Webinar Pass subscription: $0

Before getting started with AI, understand the regulatory environment for banks adopting this new technology. When you implement AI in your business you will have to adhere to new and emerging regulations. Gain insights from the ICBA regulatory experts who have been keeping a watchful eye on the regulatory scene.

Members: $219
Non-members: $319
Unlimited Webinar Pass subscription: $0

Everyone is talking about AI and how it is changing how people work, live—and bank. This webinar is designed to provide community bankers with a primer on artificial intelligence and the opportunities the future may hold for community banks. Gain a clear understanding of the strengths and weaknesses of this technology and its potential impact.

Members: $429
Non-members: $729
Unlimited Webinar Pass subscription: $0

Further details will be available 30 days prior to the webinar date.

Knock out your annual training requirements in one 90-minute webinar! This webinar is for seasoned bankers and senior staff. You’ve trained for years in these areas, now let us walk you through this refresher to meet all the annual requirements that will have you back in your routine in just 90 minutes.

This policy offers guidance for directors, officers, and staff in effectively managing cyber risks in the context of artificial intelligence (AI). It addresses critical aspects, such as strategic planning, approval authority, acceptable use, incident response, and vendor management.

One of the most overlooked pieces of information we receive is likely the borrower's forecast or budget. Often it is an item we check off the list without digging into it. It is also a report that in many cases we hide in the file and never review after the close. This is one of the biggest mistakes that a portfolio manager or lender can make.

Further details will be available 30 days prior to the webinar date.

The farm economy is facing its toughest challenges since 1981, with soaring input costs and falling commodity prices. Crop farmers, in particular, are struggling with low liquidity after holding harvests for two years in hopes of better prices. And bankers are also concerned about continuing to extend credit to struggling borrowers. Attendees will explore the current farm economy, identify key risks in agricultural lending, and gain essential credit insights for lending to farm entities in order to make more informed and confident lending decisions in the future.

The ICBA Education Auditing Certificate program equips internal auditors with the knowledge and tools needed to successfully conduct and perform the internal audit function in their bank.

$999 / ICBA Members

$2,499 / Non-Members

With the Audit Working Papers you can establish strong audit procedures to help support your bank's internal control environment and mitigate institution risk. Ensure a complete and comprehensive cross-departmental audit scope with this customizable resource that can be scaled to fit the size, complexity, and risk profile of your bank.

Initial Price:
ICBA Member: $599
Nonmember: $799

Annual Digital Renewal:
ICBA member: $399
Nonmember: $499

Crafted specifically for community financial institutions, the ACH Policy offers a comprehensive solution for establishing a robust framework governing Automated Clearing House (ACH) transactions. Aligned with the National Automated Clearing House (NACHA) rules and guidelines, this customizable Word document covers ACH responsibilities, compliance measures, and risk management concerns for both originating and receiving financial institutions.

What do marketing pros need to know? For bank marketers to effectively market a bank product or service you must have knowledge about your bank not just about the product or service you are marketing. Learn how you can understand your bank better. Study various aspects of banking, how to obtain specific data about your bank, marketing’s contributions, and marketing strategies.

ICBA Members: $219

Nonmembers: $319

Unlimited Webinar Pass subscription: $0

The Bank Compliance Check Up Program provides a comprehensive system and checklists for monitoring and determining the bank’s compliance with deposit, lending, administrative regulations, and other banking laws. Also included are over 40 training agendas and quizzes!

Initial Price
ICBA Member: $499
Nonmember: $799

Annual Digital Renewal
ICBA Member: $349
Nonmember: $649

The Bank Directors’ Bible (4th Edition, 2023) provides industry best practices, insights into issues encountered by community bank directors in today’s environment and how to effectively serve on community bank boards of all sizes.

Bank Director Program: $195

Bank Director Glossary includes more than 200 pages of customary terms used by regulators, executive officers, industry consultants, and attorneys. Presented alphabetically with clear and to the point definitions, this valuable reference guide is a must have for any community bank director or officer.

Bank Director Program: $195

The Bank Director Video Series features 7 different presentations that vary from 14-20 minutes in length. These can be used during board meetings, for annual training, new director training or topic refreshers.

Free for Bank Director Program Members

No prior knowledge of banking or law is needed as we explore banking regulation, the dynamic business of banking, and various other regulatory and business topics. Get ready for an engaging introduction that will leave you with a firm foundation in banking law.

Navigating and interpreting tax returns can be a complex and daunting task for bank personnel. It is critical you possess the knowledge and tools needed to confidently analyze both personal and business tax returns for lending purposes.

The agriculture field has faced significant headwinds that have stressed many farmers and lenders alike. Agricultural lending decisions are often handled by bankers with limited knowledge of agriculture. Dive into the world of agricultural lending and its unique attributes while covering key topics such as credit risk, management of factors impacting farms, and analyzing the financial statements. Gain a comprehensive understanding of how to assess creditworthiness, mitigate risks and make informed lending decisions in the agricultural sector.

Welcome to banking! There is hardly a vocation that touches more lives than the finance industry. To fully realize what we do, one needs to understand the banking industry.

As bankers, we know that cash flow, not collateral, deposits, or guarantors, ultimately repays loans. To effectively address our clients' needs, we must fully grasp how a borrower will repay the debt we're extending. Every loan request stems from a cash shortfall, and it's critical to understand both the cause of this shortfall and how it will be resolved.

Further details will be available 30 days prior to the webinar date.

Navigating the commercial credit approval process can be overwhelming, leading to delays and miscommunication. This guide helps you establish an effective workflow for the Loan Assistant, benefiting both lending staff and clients. As a vital member of the commercial team, you play a crucial role in managing credit risk.

Boardroom Strategies for Financial Institutions focuses on the relationships among board members and how to be effective inside the boardroom. It is a must have for new and experienced board members. This book is a companion book to The Ultimate Guide for Bank Directors, Revised Edition.

Bank Director Program: $23.95

Further details will be available 30 days prior to the webinar date.

Successful leaders surround themselves with talented individuals that complement their strengths. But as a leader, how do you find them? Complementary talent doesn’t just show up. It has to be sought out.

Further details will be available 30 days prior to the webinar date.

Brokered deposits provide an important source of funding for community banks. Recent changes to FDIC rules and guidance have offered clarity in certain areas of the brokered deposit regulatory regime while creating uncertainties in other areas. Discuss the general legal framework surrounding brokered and core deposits, and industry trends.

As regulatory scrutiny increases, staying up to date on the Bank Secrecy Act's latest trends and critical issues is essential for compliance. This overview highlights valuable insights from recent enforcement actions, demonstrating how these can inform compliance strategies.

It’s 2024 and finally, the future we were promised is here. Artificial Intelligence (AI), Machine Learning (ML), and Robotic Process Automation (RPA) are operational and making the fight against financial crime easier and more effective. That is, if you have the requisite skills to take advantage. Otherwise, being a BSA Officer probably feels harder than ever to manage at its current pace of change.

The BSA/AML Video Training Series features 5 different presentations customized to provide job specific training for every member of your bank staff including Senior Management and Directors. This live action series contains fresh content, best practices, the latest hot topics in BSA/AML, and is everything your bank needs to comply with the annual training requirements.

Leadership development and succession planning place a high priority on any company’s ability to develop talent within their organization. We continue to hear stories from managers about the gap between Baby Boomers and Millennials. Recorded  March 30, 2023.

ICBA Members: $219
Non-Members: $319

In this quick "lunch and learn" video, Deborah Phillips, Senior Vice President, Payments & Technology Policy, ICBA and Senior Vice President, Industry Relations, ICBA Bancard breaks down the what, why, and how of Buy Now Pay Later (BNPL) with Scott Broughton, Senior Vice President, Marketing and Client Engagement, ICBA Bancard.

As banks risk rate clients, banks are also being risk rated under the CAMELS system. Understanding how the examiners will be reviewing bank performance is important for bankers to prepare for their next exam.

Inflation has dramatically changed stress testing. Liquidity, cost of funding, cap rates, appraisal evaluations, and other factors are changing the way capital adequacy is tested. Explore how banks think about such matters as well as what capital planning looks like today.

The current and prospective banking environment has many community banks considering capital raising alternatives. If your bank is in this position, it is important that your board understands all of the available capital-raising alternatives.

Recorded: December 18, 2018

Length: 90 Minutes

Presenter: Marcia Malzahn

Operating lines of credit are never easy to analyze. Rarely are any two assessments the same. The key to setting the right line of credit is analyzing the borrower’s cash-to-cash cycle. Learn how to assess management’s stewardship of their cash, build expectations for industry standards, and develop a usable assessment to arrive at the right line of credit amount for your borrower.

Financial Institutions provide great value to the American economy. But that value comes with risks. Risk Assessments are at the core of a strong Enterprise Risk Management (ERM) Program. Therefore, developing strong risk assessments for all key areas of the financial institution is crucial.

From time-to-time, banks consider whether a different category of bank charter would be right for them. Walk through some of the items banks should consider when changing charters, and the process of changing charters or primary federal regulator.

We know that people are writing less checks. However, did you know that checks continue to be the most common way financial crimes are committed? Join us for this 60-minute webinar to hear about the most recent trends in check fraud and what steps you can take to help prevent your institution from falling victim to financial crimes.

This guide is a resource to help ICBA members both minimize the incidents of check fraud related to altered, forged, and counterfeit checks and take appropriate steps to recover funds or otherwise minimize loss, when it does occur.

This publication is for general information purposes and is not intended to be, and should not be taken as, legal advice. The information in this publication is current as of March 2024.

The guide explains how the laws and regulations governing checks assign liability for check fraud to individual banks involved in the issuance, transmittal, and receipt of checks. In addition, it lists various defenses a bank may raise to avoid liability for check fraud.

To get the breakdown of the issue, how it affects you, and what you can do about it, read our in-depth guide to check fraud either here, or with the download button on this page.

Please note, this is a ICBA Member-only guide and you must be logged in to view it.

Understand the potential technology solutions and operational mechanisms that are available to community banks to detect instances of check fraud. This is a reference for community banks to evaluate tools and leverage internal practices to identify and prevent check fraud.

To get the breakdown of the issue, how it affects you, and what you can do about it, read our in-depth guide to check fraud here.

Please note, this is a ICBA Member-only guide and you must be logged in to view it.

This guide was developed by community bankers working together as part of ICBA’s Check Fraud Task Force. This document offers suggestions on when to contact regulators, how to frame feedback, and where to direct your communication based on the experiences of peer community bankers.

It's for general information purposes only and is not intended to be, and should not be taken as, legal advice, an endorsement of any specific company or product, or a comprehensive treatment of the subject matter. Please follow internal bank operating procedures and policies and consult with legal counsel for specific questions.

To get the breakdown of the issue, how it affects you, and what you can do about it, read our in-depth guide to check fraud here.

Please note, this is a ICBA Member-only guide and you must be logged in to view it.

Each method of returning a check to the Depositary Bank, whether through a return or an adjustment, has distinct advantages and potential impacts on customers.

Each payment network has its own set of rules and regulations, and the check network is no exception. Regulation CC and the Uniform Commercial Code Article 3 and Article 4 pertain to all checks. However, the clearing path dictates which rules apply.

The Check Your Ad Program takes the guesswork out of determining the appropriate requirements for deposit and lending advertisements so that you can ensure your advertisements are compliant before an auditor or examiner finds a violation.

This white paper demonstrates that community banks are experts at monitoring the risk of their lending and investment portfolios and do not need more regulation to manage their potential climate risks.

ICBA will oppose any climate risk regulation that adversely impacts community banks and their ability to support their communities and customers.

The most intricate and challenging lending you can do is commercial and industrial. Learn about the various industries you will work with, the types of loans that you will use, how to analyze financial statements for key credit risk indicators, how to properly structure a loan, plus solidifying the relationship after the closing.

When it comes to lending on commercial real estate, rent rolls and cash flow are just the tip of the iceberg. With the real estate market undergoing significant upheaval, whether it's owner-occupied, investment, or development, it's essential to know what to look for in terms of credit risk. This webinar aims to help you avoid headaches and losses in the future.

 The current and prospective banking environment has many community banks considering capital raising alternatives. If your bank is in this position, it is important that your board understands all of the available capital raising alternatives. Participants will review various capital raising methods, including bank stock loans, subordinated debt, the sale of common stock, preferred stock sales, and the sale of other equity-like instruments, from both business and legal viewpoints.

Further details will be available 30 days prior to the webinar date.

The most prominent competitive advantage for community banks is their ability to provide better, more personal service than larger institutions. This requires community banks to have a top-notch team that can operate in an efficient and effective manner. Attracting and retaining these quality teams becomes more difficult every year and came to a head while the industry navigated COVID-19 and economic uncertainty. Discuss compensation structures and strategies to attract and retain the team your community bank needs to drive continued growth and success into the future.

The demands on community bank directors have increased exponentially in recent years. Without question, the most difficult challenge for community bank directors (most of whom are not career bankers) is fulfilling their obligation to ensure the institution achieves and maintains compliance with applicable laws and regulations.

Community banks are well accustomed to operating subject to an ever-evolving set of standards imposed by their regulatory agencies. One area that has undergone significant changes is the expenses incurred by community banks. 

Reg. O is an insider abuse regulation which draws significant regulatory attention and scrutiny in the best of times. Economic concerns related to inflation and high interest rates, among other matters, will increase the regulatory attention and scrutiny on these issues.

Community banks must constantly ensure they maintain compliance with applicable laws and regulations to operate efficiently and avoid being placed in the regulatory penalty box. This is particularly important regarding regulations governing potential insider abuse, such as Reg. W and the restrictions and limitations it places on affiliate transactions.

At its core, community banking is risk management. In addition to community banks’ commitment to risk management on a day-to-day basis, it is important that community banks utilize insurance to protect themselves, their directors and officers from both internal and external risks. Discuss key insurance protections, with a focus on directors’ and officers’ insurance policies and financial institution bonds, as well as relevant insurance issues that can be applied to insurance protections in other areas of community bank operations.

The Independent Community Bankers of America (ICBA) commends the Bureau of Consumer Financial Protection (BCFP) for initiating a wholistic review of its operations, and inviting dialogue and the pursuit of innovation through the publication of 12 requests for information (RFI).

ICBA responded to each RFI with the hope that the bureau uses the comments to reorient itself and focus on what it was intended to accomplish: facilitating greater consumer choice and efficient markets, while still vigorously enforcing consumer financial law in a way that guarantees due process. This paper is a summary of ICBA’s response to each RFI.

Community banks have served as America’s engines of local economic growth since our nation’s founding, and the United States remains the only country in the world served by a broadly based, vibrant community banking sector. As our economy and financial system continue to evolve, community banking must be preserved and strengthened. The empowerment of community banks is a sure route to rekindling America’s economic vitality.

Today we have an opportunity to comprehensively rethink, restructure, and modernize the regulation of the American financial services industry to ensure that it promotes economic growth, prosperity, and job creation. Regulatory relief for community banks is a critical part of this effort. The purpose of this paper is to describe what is unique about American community banks, survey the regulatory environment in which they operate, identify regulatory barriers, and recommend solutions that will allow them to serve as engines of economic growth and prosperity for generations to come

The Community Reinvestment Act (CRA) was enacted in 1977 to combat redlining by ensuring that each insured depository institution serves the convenience and needs of its entire community, including low- and moderate-income (LMI) neighborhoods, consistent with its safe and sound operations. In October 2023, the Agencies published the CRA Modernization Final Rule. Banks are examined for their performance under the Community Reinvestment Act through various performance tests. The tests a bank must comply with are determined by the bank’s asset size. This course will discuss the detailed requirements that an Intermediate Bank must follow. This course is intended for bank personnel that oversee the Community Reinvestment Act, lending staff, and senior management.

The Community Reinvestment Act (CRA) was enacted in 1977 to combat redlining by ensuring that each insured depository institution serves the convenience and needs of its entire community, including low- and moderate-income (LMI) neighborhoods, consistent with its safe and sound operations. In October 2023, the Agencies published the CRA Modernization Final Rule. Banks are examined for their performance under the Community Reinvestment Act through various performance tests. The tests a bank must comply with are determined by the bank’s asset size. This course will discuss the detailed requirements that a Large Bank must follow. This course is intended for bank personnel that oversee the Community Reinvestment Act, lending staff, and senior management.

The Community Reinvestment Act (CRA) was enacted in 1977 to combat redlining by ensuring that each insured depository institution serves the convenience and needs of its entire community, including low- and moderate-income (LMI) neighborhoods, consistent with its safe and sound operations. In October 2023, the Agencies published the CRA Modernization Final Rule. This course provides an overview of the new CRA Modernization rules. This course is intended for all staff who are not deeply involved in complying with the requirements but need a general understanding of what the Community Reinvestment Act is.

The Community Reinvestment Act (CRA) was enacted in 1977 to combat redlining by ensuring that each insured depository institution serves the convenience and needs of its entire community, including low- and moderate-income (LMI) neighborhoods, consistent with its safe and sound operations. In October 2023, the Agencies published the CRA Modernization Final Rule. Banks are examined for their performance under the Community Reinvestment Act through various performance tests. The tests a bank must comply with are determined by the bank’s asset size. This course will discuss the detailed requirements that a Small Bank must follow. This course is intended for bank personnel that are in charge of the Community Reinvestment Act, lending staff, and senior management.

We’ve all been in that crunch, racing against the clock to meet a looming deadline. But how do you create an ad that stands out and drives results? Here is your chance to learn proven strategies for crafting effective advertising across mass media, direct mail, and digital platforms.

This compliance acronym reference guide will allow you to quickly parse out the abbreviations that can at times become confusing.

The ICBA Education Compliance Certificate Program is designed to give community bankers the knowledge and skills they need to become experts in bank compliance. They will learn to explain the role of community bankers in bank compliance, identify the regulations governing community banking, and identify the requirements of the laws governing community banks.

$499 / ICBA Members

$1,499 / Non-Members

The Compliance Deskbook is a compliance officer’s one-stop-shop for accessing compliance regulations, important dates, agency guidance, questionnaires, updates, and other resources.

Initial Price
ICBA Member: $499
Nonmember: $799

Annual Digital Renewal
ICBA Member: $349
Nonmember: $649

One of the three elements of an effective compliance program is monitoring and corrective action. These compliance working papers are essential for monitoring your financial institution’s compliance with federal consumer compliance laws and regulations.

Initial Price
ICBA Member: $599
Nonmember: $799

Annual Digital Renewal
ICBA Member: $399
Nonmember: $499

A community bank’s core processor should be a strategic partner that supports the bank’s long-term business objectives.

The ICBA Core Processor Resource Guide will help community banks with some of the more important aspects of managing this relationship to maximize the return on their technology investments.

For many community banks, there is a total lack of liquidity in the ownership of shares. As a result, many stockholders who desire to sell their shares are unable to do so. Likewise, many boards and management fail to recognize the importance of finding ways to create liquidity through appropriately designed stock repurchase programs or other mechanisms. This session focuses on stockholder liquidity needs and how bank boards and management can address and resolve them.

Are you in the process of establishing your bank’s first ERM Program or seeking to streamline your existing one? You’re not alone. Risk Management is at the heart of banking and every bank has to have processes, policies, and procedures in place in order to assess and manage the risks on their balance sheet. Gain insight into the fundamental components of the ERM puzzle, their interrelationships, and how to integrate your ERM program into the bank’s Strategic Plan.

Banks face increasing pressure to make sound lending decisions while adhering to evolving regulations. This makes it essential for professionals to understand the key factors—such as the 5 Cs of credit—and the complex compliance requirements that govern consumer, mortgage, and commercial lending.

To properly assess the risks associated with loan repayment, we need to understand how the business has performed over the past several periods. This is called trending. The data needed for this process is several years of financial statements, also known as the borrower’s story about how they have managed their business activities.

The risks of a line of credit are not in the financial statements, but in the reasons for how the financial statements appear. We receive an excessive quantity of numbers in financial statements. However, it is actually the events that produce the numbers that contain the risks.

In assessing a line of credit loan request the banker must understand where the repayment is coming from. This requires identifying the cause of the cash shortfall as well as the characteristics of the self-liquidating asset that will repay the loan.

A term loan request requires multiple layers of analysis by the banker to properly assess the repayment viability of the borrower. It is more than just adherence to credit policy. Understanding that today’s loan is repaid with tomorrow’s cash is critical. This requires a keen recognition of how the self-liquidating asset should work.

Bankers are not order takers. We add value by solving our clients' problems. Fully analyzing the loan request and recognizing that each request starts with a cash shortfall is crucial.

Managing credit risk does not stop at closing, it is only beginning. By staying close to your client, inspecting what you expect and working to solve their problems, you will enhance the relationship.

Learn the framework for assessing and managing credit risk. Throughout this newly updated six-part series, we address financial statement analysis, qualitative analysis, cash flow, proper credit structure, and discuss best practices for managing the credit risk of your credit portfolio.

Over the past two years, the banking industry has been beset with issues related to funding sources as well as growth and quality issues in our lending portfolio. As funding sources become more costly and harder to find, we need to understand how our decisions will impact our banks’ assets.

Purchasing the 2023 Crowe Financial Institutions Compensation and Benefits Survey gives you valuable compensation-focused benchmarking data.

The COVID-19 pandemic significantly altered the banking ecosystem to promote safer, virtual options for their employees and clients. To manage the impact of reduced in-person interactions, many financial institutions expanded their use of electronic communication with their clients. These electronic operations are subject to regulatory scrutiny under the Electronic Signatures in Global and National Commerce Act (E-Sign Act). Discuss the specific requirements of the E-Sign Act, how to implement a compliant E-Sign program or identify gaps in your current program, and how to maintain compliance in an ever-changing environment.

Given the increasing popularity of credit card rewards programs, ICBA Bancard and TCM Bank, N.A., dove into the landscape to explore the latest trends, developments, and opportunities for community banks.

Cultivating the Strategic Value of Credit Card Rewards Programs looks at where community banks can grow their offerings to better support current and future customers and deepen their relationships in the process.

Designed to maintain an adequate methodology for complying with CECL. This policy cover the role of the Board and Management; an overview of the allowance for credit losses; the components of the primary allowance for credit loss and reporting and testing.

Customer interactions, previously limited to the telephone or in-person at a branch, are expanding to encompass all transactions, touch points, communications, and technologies that deliver service and information to customers. Organizations that excel at managing the entire customer journey will successfully capture more relationships with targeted generations and market segments.

There’s no denying that cybercrime is on the rise, and that means your institution needs to do everything it can to prepare for the worst. To that end, we’ll look at cybersecurity trends from the top down, addressing commonalities within targets, types of breaches, attack methods, and more. Discuss how the board can be instrumental in making cybersecurity an organizational focus, why organizations need to change their view of security and threats in our new and evolving cybercrime landscape, and what actions they can take to begin minimizing risk.

Employers are confronted with an increasing number of data protection challenges. Dive into the various challenges organizations face when it comes to protecting data and address the latest trends and best practices in data protection. Gain insight on how to navigate the evolving landscape of data regulations and ensure compliance.

Go beyond the basics of security training and find the answer to common security questions. Discover solutions to practical issues like camera placement, the necessity of monitors in break rooms, and the optimal timing for alarm activation during or after a bank robbery.

Whether you’re a seasoned banking professional or are new to the banking industry, questions regarding deposit regulations always arise. From the frontline staff to the operations staff, it’s important to stay informed on consumer protection, funds availability requirements and the latest trends on e-sign.

There is often confusion as to how to develop a multi-year BCP testing program. Organizations are overwhelmed with putting a program in place. Using your Business Impact Analysis can define what the testing program should be without adding unnecessary complexity and negatively impacting efficiency.

During this webinar bankers will learn about the different customer channels available and their associated risks, potential third-party partners, and costs to the business. 

Organizational change requires buy-in from all parts of the business—from bank directors to senior management to bank staff. 

Digital transformation often requires the assistance of outside vendors to achieve goals that lead to organization efficiency, increased revenue, and customer satisfaction. 

Challenges will likely arise during your bank’s digital transformation process. This final webinar of the series will address potential obstacles to progress, roadblocks or stumbling blocks for community banks, and proven problem-solving techniques community banks can use to overcome these challenges during their digital transformation journeys.

What does digital transformation look like at community banks? And how can it be leveraged for improved customer interactions and performance? It requires an exploration of how your customers interact with your bank and finding new and innovative solutions to improve their experience with your brand.

What is digital transformation? This session delves into integrating digital technology into all areas of the business, changing how a bank operates and delivers value to customers. 

The banking industry has seen a rapid adoption of advanced technologies to streamline operations, enhance services, and optimize performance. Although this digital transformation has greatly benefited the industry, will it disrupt your Bank Secrecy Act/Anti-Money Laundering (BSA/AML) and regulatory compliance programs? During this presentation, we’ll discuss the necessary tools and strategies your board and executives must deploy to align your digitization efforts with your compliance requirements.

This course serves as a foundational layer for team members and management to examine the ways in which identity affects workplace dynamics and productivity. Through the use of evidence-based tools and techniques, participants will uncover the value of facilitating an inclusive work environment.

Credit unions have fallen short in fulfilling the terms of their original mandate, which once warranted a lucrative tax subsidy. This sentiment is felt by many individuals and organizations across the financial services industry but has failed to reach Washington policymakers in the form of equitable policy resolutions that persuade credit unions to return to their governing principles.

Credit unions were not intended to act as an alternative to banks but to complement their activities through offering safe and subsidized financial services to a specific clientele of financially underserved individuals.

Instead, credit unions have deviated from this mandate by competing for the same customers as regular for-profit banks at the expense of these vulnerable communities while engaging in high-risk operating practices that have etched away at their once distinctive niche in the world of financial services.

If credit unions cannot abide by their original mandate deserving of a tax subsidy, then taxpayers are financing an unequal playing field that leaves behind the financially underserved, cheats federal and state tax authorities, and unfairly disadvantages legitimate for-profit institutions like community banks.

Domestic abuse is not a crime that can  be ignored by the victim’s employer. Employers must recognize that personal, real-life problems affect job performance and job performance affects the bottom line. Nearly 1/3 of women in this country claim to have been the victims of physical or sexual abuse. 

Post-pandemic portfolios have performed admirably, with minimal troubled credits, late payments, and charge-offs. Despite fair economic conditions, it's important to remember that bad loans often emerge during good times, lurking beneath the surface.

Nearly every sales, marketing, or promotion idea in banking today is influenced by emerging technologies and regulatory compliance. This places specific demands on how advertising, promotions, and relationship development activities are deployed by financial institutions. 

In the current environment of scarce deposits and stiff competition for loans, we need a solid plan to build our portfolios. Learn how your bank can differentiate itself by using its credit policy and bank brand to target prospects to best fit its culture. Once we know the target market, what approaches produce the best return, we can calculate your potential success rate. When you meet with a prospect, making a strong impression is key. Let’s talk about how to prepare, what questions to ask, how to ask them, and the goal of the meeting. Don’t forget—managing your existing clients is just as important as bringing in new business. The key is solving your clients’ problems and adding value so they will never consider talking to a competing banker.

In today’s digital age, social media is a powerful tool for building brand awareness, educating consumers, and engaging with customers. In this session, we will explore effective strategies for leveraging social media to engage with account holders, promote products and services, and raise awareness about fraud and scams.

Strategic planning is an essential aspect of every community bank’s operations. Its importance becomes more apparent when community banks face challenges such as the lingering impact of the COVID-19 pandemic and present economic struggles.

Many leaders struggle to develop and apply essential management skills, hindering their ability to drive business success. This session offers a checklist of important management tips to improve business development, bank management, and marketing efforts, providing a solid foundation for ongoing success. 

Elder Fraud is projected to be  one of the biggest growing segments of crime in our country! Criminals know who to target and have found ways to get close to control and exploit their victims. Learn how your bank can serve as the last line of defense to protect the criminals’ target, your account holders!   

This insightful dive into Employee Stock Ownership Plans (ESOPs) will explore their strategic role in the banking sector. Participants will gain an understanding of how banks can sponsor ESOPs to benefit their employees while leveraging these plans as powerful tools for capital raising and growth. Learn how ESOPs can enhance loan origination efforts and create opportunities for cross-selling wealth management services.

Understanding the industry that you work in is crucial to recognizing your role and purpose. Banking is an occupation that has existed since the earliest part of history. While technology has changed, the essentials of what we do have not. Explore the fundamentals of the banking industry, its historical evolution, and the various types of banks and their respective roles.

The transfer of bank or bank holding company stock as part of a shareholder’s estate planning process can involve several potential regulatory, corporate, and tax issues. Banks and bank holding companies should be aware of what these issues are, how they could impact their institution, and how they can proactively educate their shareholders on these issues.

It is common knowledge that customer service and sales representatives are responsible for building relationships with customers. But why stop there?

The regulators have shifted their approach to liquidity and interest rate sensitivity. Administrative actions have proliferated. Even the banks avoiding such fate are seeing Matters Requiring Attention (MRAs) and supervisory recommendations. At the same time, the liquidity crisis and interest rate environment are introducing new credit risks and opportunities.

This webinar answers common questions such as: What is Fair Banking? Is it the same as Fair Lending? What does it have to do with Marketing? Learn more about Fair Banking or what some call “Fair and Responsible Banking.”

The Act was originally adopted as part of the Civil Rights Act of 1968, and it was subsequently broadened in 1988 to prohibit discrimination when renting or buying a home, acquiring a mortgage, seeking housing assistance or engaging in other housing-related activities, regardless of a person’s protected class.

This course will discuss the prohibitions under the Fair Housing Act as it relates to credit applications, disclosure and information collection requirements that bank must follow, and enforcement of the laws.

The fair lending laws prohibit discrimination in all credit transactions including real estate and non-real estate secured transactions as well as unsecured credit.

The Fair Credit Reporting Act (FCRA) became effective on April 25, 1971. The FCRA contains responsibilities both for entities that are consumer reporting agencies, for entities that procure and use information found in consumer reports and furnishers and transmitters of information.

Congress substantively amended the FCRA upon the passage of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act). The FACT Act created many new responsibilities for consumer reporting agencies and users of consumer reports. It contained many new consumer disclosure requirements as well as provisions to address identity theft.

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects the funds depositors place in banks and savings associations. The regulation contained in 12 CFR 328 describes the official sign of the FDIC and prescribes its use by federally insured banks. It also prescribes the official advertising statement insured banks must include in their advertisements. This course will discuss the rules of Section 328. This course also discusses the rules for non-deposit investment products as it relates to signage and other notifications.

The FDIC has recently updated the requirements regarding FDIC insurance. As part of that update, all FDIC-insured institutions must have a policy regarding these FDIC requirements. Streamline compliance with FDIC signage and advertisement requirements using our FDIC Signage & Advertisement Requirements Policy. Tailored specifically for community banks, this customizable policy solution assists your institution in adhering to the latest FDIC regulations, including display guidelines for official signs and advertisement statements. Stay ahead of compliance challenges and protect your institution’s integrity.

The FedNow Service is a new instant payment service from Federal Reserve that will enable financial institutions of every size, and in every community across the U.S., to provide safe and efficient instant payment services in real time, around the clock, every day of the year.

On October 24th, the banking agencies finalized significant changes to the Community Reinvestment Act (CRA). The final rule is designed to adapt CRA regulations to banking industry changes, improve clarity to regulated institutions, tailor evaluations and data collection to bank size and type, and maintain a unified interagency approach.

On October 24th, the banking agencies finalized significant changes to the Community Reinvestment Act (CRA). The final rule is designed to adapt CRA regulations to banking industry changes, improve clarity to regulated institutions, tailor evaluations and data collection to bank size and type, and maintain a unified interagency approach. The final rule takes effect in April 2024 and will require mandatory bank compliance by January 1, 2026.

On October 24, the banking agencies finalized significant changes to the Community Reinvestment Act (CRA). The final rule is designed to adapt CRA regulations to banking industry changes, improve clarity to regulated institutions, tailor evaluations and data collection to bank size and type, and maintain a unified interagency approach. The final rule takes effect in April 2024 and will require mandatory bank compliance by January 1, 2026.

Approximately 6 percent of Americans are unbanked,1 having no relationship with a bank, and an additional 16 percent are underbanked having used some form of alternative financial service. In this white paper we'll discuss how community banks can close the gap between consumers and the services they need.

Community banks are, and always have been, innovators focused on the prosperity of the customers and local communities they serve. Community banks are not strangers to change. For more than 150 years, community banks have evolved in step with the technological changes occurring within the financial services industry

With customer preferences changing at an expeditious rate and expectations from users for a seamless omni-channel experience on the rise, disruption is occurring within numerous industries including financial services. The latest wave of rapid transformation is bringing financial technology or fintech to the forefront of the financial services conversation.

One thing that the rapid pace in banking has revealed is that the ability to change and adapt is a mandatory quality. Amid change it is also important to understand that your underlying foundations make it possible for workgroups, teams, and employees to perform effectively while embracing emerging challenges and opportunities.

The farm bill plays an important role in stabilizing our nation’s farmers and ranchers, assisting many rural communities, and meeting the nutritional needs of millions of lower-income Americans. Thousands of community banks and their agricultural and rural customers are also significantly affected by farm bill policies. This white paper outlines important policies and solutions to ensure the new farm bill allows community banks to continue meeting the needs of farmers, ranchers and others in rural America.

Dealing with the big three check issues (forgeries, alterations, and counterfeit checks) can prove to be the most challenging situation a financial institution can encounter. These issues have a very narrow return window and no adjustment options. Does your financial institution understand your obligations and options when it comes to handling these complicated situations? Discover how to handle these challenging situations.

IT Security is a serious concern for every business. As the value of customer and internal data increases, so do the number of threats in existence. This course describes the fundamentals of information technology security and what your organization has to do to stay protected today and in the future. This course is intended for information security officers and departments.

The National Labor Relations Board’s renewed interest in employee handbooks and related policies requires employers to be more vigilant than ever.  In this program, we will examine core policies that all institutions should include in their employee manuals, as well as those that may raise a red flag and approaches to avoid potential liability.

Establishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public.

The Home Mortgage Disclosure Act (HMDA) requires certain financial institutions to collect, report, and disclosure information about their mortgage lending activity. HMDA was originally enacted by the Congress in 1975 and is implemented by Regulation C.

The Regulation was overhauled in 2015, requiring a large of amount of additional data to be collected and reported. This course will provide you with the detailed information you need to ensure your Financial Institution is in full compliance with HMDA including, definitions, coverage, data collection and reporting, and disclosure requirements.

The Home Mortgage Disclosure Act (HMDA) requires certain financial institutions to collect, report, and disclosure information about their mortgage lending activity. HMDA was originally enacted by the Congress in 1975 and is implemented by Regulation C.

The Regulation was overhauled in 2015, requiring a large of amount of additional data to be collected and reported. The course provides learners with an overview of the entire Home Mortgage Disclosure Act with an in-depth look at loan application applicability and applicant information collection.

Many organizations struggle to transition from a static Business Continuity Plan (BCP) to an effective, ongoing Business Continuity Management (BCM) system. In this introductory course, you will learn how to make that shift and integrate your BCM with your ERM program. The discussion will guide you through the key elements of the FFIEC’s Business Continuity Management Booklet, part of the FFIEC’s IT Examination Handbook. You will gain a deeper understanding of BCP and BCM, including the critical roles of disaster recovery plans, crisis management, and incident response in your overall strategy.

Financial institutions rely heavily on third-party relationships to gain efficiency, reduce operational costs, and to meet the evolving technology needs of customers. While third-party relationships are often beneficial, there are risks created by the relationships that need to be identified, assessed, and managed.

Further details will be available 30 days prior to the webinar date.

HR Generalists are an integral part of the human resources function in an organization. This comprehensive eight-part, online certificate program is designed to provide human resource managers and supervisors with the skills they need to be effective.

$499 / ICBA Members

$899 / Non-Members

HR Generalists are an integral part of the human resources function in an organization. This comprehensive eight-part, online certificate program is designed to provide human resource managers and supervisors with the skills they need to be effective with an emphasis on California State law.

$499 / ICBA Members

$899 / Non-Members

ICBA Member - $472.50

Non-Member - $525.00

Join ICBA experts for a quarterly update on industry news and highlights. The 75-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S.

Join ICBA experts for a quarterly update on industry news and highlights. The 75-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S.

Join ICBA experts for a quarterly update on industry news and highlights. The 75-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S.

Join ICBA experts for a quarterly update on industry news and highlights. The 75-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S.

On October 24th, the banking agencies finalized significant changes to the Community Reinvestment Act (CRA). The final rule is designed to adapt CRA regulations to banking industry changes, improve clarity to regulated institutions, tailor evaluations and data collection to bank size and type, and maintain a unified interagency approach. The final rule takes effect in April 2024 and will require bank compliance by January 1, 2026.

ICBA Members: Complimentary
Unlimited Webinar Pass subscription: $0

This year, many companies, including community banks, have received demand letters from plaintiffs’ law firms alleging the company is violating Title III of the Americans with Disabilities Act (“ADA”) because their websites are not sufficiently accessible to individuals with visual disabilities.

Read further to see our guidelines for handling such issues.

The ICBA Open Banking (Section 1033) Guidebook provides an overview of the Consumer Financial Protection Bureau’s (CFPB) final rule implementing Section 1033 of the Dodd-Frank Act. The rule establishes a consumer’s right to access and share their financial data in a standardized format through an API-enabled developer portal. This guide explains the rule’s purpose of enabling open banking, outlines compliance requirements for financial institutions, and highlights key definitions, exemptions, and implementation timelines. It also details ICBA’s advocacy efforts, including securing exemptions for small banks and supporting safeguards for consumer data. The document serves as a resource for understanding the rule’s impact on data providers, consumers, and the financial services industry.

In September 2008, the Federal Housing Finance Agency (FHFA) and the Treasury Department placed Fannie Mae and Freddie Mac (the government-sponsored enterprises, or GSEs) into conservatorship. Described at the time to the public as a temporary “time out” to allow both companies to stabilize, the plan of those policymakers who put the GSEs into conservatorship was to release both institutions from this “time out” once they were financially sound again. More than eight years have passed, and a third administration has inherited these conservatorships.

Unfortunately, Fannie Mae and Freddie Mac have less capital today than when they were placed under control of their regulator and the Treasury. Yet, both companies have returned to profitability and have worked through the majority of their defaulted loans, all while continuing to provide the liquidity to the housing market that’s been critical for its recovery from the worst recession in more than 80 years

Ultimately, tax and regulatory reform will determine the character of American economic life in future generations. A tax and regulatory system that promotes consolidation, implicitly or explicitly, not only in the financial industry but also across the economy, will result in fewer and larger businesses, less consumer choice and commodified product offerings. Local businesses, decision making and values will continue to be displaced by nationally-owned corporations that are remote from individual communities.

Commerce based on one-off transactions will displace relationship-based partnerships. Tax reform, accomplished thoughtfully and in conjunction with regulatory reform, could help to thwart these trends and preserve and strengthen local businesses and communities

Experience demonstrations of the latest solutions from several of our ThinkTECH Accelerator companies from previous years. Learn about how these companies are helping community banks flourish, hear from bankers who’ve implemented these solutions in their institutions, and see how our companies continue to evolve to meet your bank’s needs.

Registration fee: $0 for members / $99 nonmembers

Join us for this fast, fun, informative session to explore fintech solutions for community banks like yours. Each Accelerator selection process we connect with several fintech companies that have great products and solutions but due to our highly competitive program only a limited number can participate.

ICBA Members and Nonmembers: Complimentary

For more information, contact [email protected].

Seniors are being challenged each day by clever cyber criminals that are preying on them in new and different way. Seniors are at risk through schemes like “pig butchering” and ICBA is working to find new ways to help monitor and mitigate bad actors to reduce senior fraud.

ICBA Members and Nonmembers: Complimentary

For more information, contact [email protected].

Join us for this 90-minute session as we hear from four bankers and four company founders who together are improving the performance of their banks using emerging agtech solutions. You’ll get a quick understanding of how they partnered to solve a particular challenge, how they deployed the solution and the results that they are experiencing.

Registration fee: $0 for members / $99 nonmembers

Join us for this 90-minute session as we hear from four bankers and four company founders who together are improving the performance of their banks using data-driven insights. You’ll get a quick understanding of how they partnered to solve a particular challenge, how they deployed the solution and the results that they are experiencing.

Registration fee: $0 for members / $99 nonmembers

Hear from several fraud solutions providers during this quick-hitting session to learn how they can help your bank keep pace with the competition.

ICBA Members:Complimentary

Non members: $99

With so much buzz about AI, we answer the question of how five community banks are starting to put this powerful technology to work.

Registration fee: $0 for members / $99 nonmembers

Your guide to fair lending and redlining scrutiny. It provides a high-level overview of the types of discrimination claims that a bank can face.In addition provides a more detailed treatment of redlining and what your bank can do to protect itself from redlining violations.

Every company, regardless of industry, is trying to figure out how to attract and retain the right talent. Organizations are also striving to achieve their goals and fulfill the vision described in their strategic plan. But how do you achieve all — attracting and retaining talent while achieving your objectives and fulfilling your vision?

Presenting before your credit committee does not have to be a daunting task. All strong credit committee presentations begin with a comprehensive write-up. You need to understand the reason for the borrower's cash shortfall, the self-liquidating asset that will repay the financing, as well as the risks that are central to the repayment capability.

No credit committee wants to read an epic non-fiction piece of work. The key to effective credit write ups is to focus on the core key risks of the credit. Each credit request begins with a problem: the borrower has a cash shortfall. As a banker your role is to uncover the source of the cash shortfall and understand the characteristics of how the self-liquidating asset will repay the debt. 

Further details will be available 30 days prior to the webinar date.

Further details will be available 30 days prior to the webinar date.

The Federal Deposit Insurance Corporation (FDIC) and other bank regulators have re-proposed a rule on incentive compensation for financial institutions with assets of at least $1 billion. This rule, which stems from the Dodd-Frank legislation passed 14 years ago, aims to set standards for bank incentive compensation programs. Is the third time a charm?

ICBA urges Congress to pass an amendment to the Bank Holding Company Act of 1956 to permanently close the ILC loophole, just as Congress has closed past banking loopholes that threatened to undermine consolidated supervision and the separation of banking and commerce

Learn how to switch from having a static Business Continuity Plan (BCP) to an ongoing dynamic Business Continuity Management (BCM) system and how to integrate it into your Enterprise Risk Management (ERM) Program. 

Major topics covered in the policy:

• Risk measurement methodologies
• Interest rate risk scenarios - rate shocks, risk components
• Risk parameters
• System maintenance - inputs and assumptions, system capabilities
• Assumption sensitivity analysis
• Risk management strategies
• Assignment of responsibilities
• Reporting
• Independent review and back-testing

How prepared is your financial institution for internal theft and fraud? Review what every Security Officer should know to combat internal fraud. Discover where the internal thief will spend the stolen funds and how they keep their stealing from being found. 

Commercial lending is one of the most challenging aspects of banking. You must have a good understanding of your borrower, the reason for the financing request, as well as how to accurately assess the repayment source. Explore various industries that you will work with, sources of cash shortfall, analyzing financial statements, using the right structure, negotiations as well as after closing monitoring. 

Effectively managing consumer lending while staying compliant with regulatory requirements can be a challenge for some financial institutions. Dive into the basics of consumer lending, including the consumer loan function, marketing strategies, and learn to make informed lending decisions based on the five C’s of credit: capacity, capital, collateral, conditions, and character. Attendees will gain valuable insights into loan structure, support, and documentation while exploring how these elements play a crucial role in the lending process. Real-world examples, such as auto loans, RV loans, and home equity lines of credit (HELOC), will illustrate practical applications throughout the discussion.

Navigating payments regulations can be complex. This session will clarify the regulations impacting ACH, checks (including remote deposit capture), cards, and wires. You will gain a comprehensive understanding of the relevant payment regulations, rules, and guidance applicable to your organization.

To prepare for the often-hectic IRA contribution season, deepen your understanding of Traditional and Roth IRA contribution issues such as deadlines, limits, possible tax credits, certain extensions, and Traditional IRA deductibility rules.

Understanding the complex withholding and reporting requirements applicable to Traditional and Roth IRA distributions is critical to maintaining a compliant IRA program. From federal tax implications, including how the early distribution penalty tax applies to IRA owners, to how IRA distributions are paid out, our experts provide the know-how to get you there.

New to IRAs? Prepare to build a foundation of the most common IRA transactions and rules. Learn the fundamentals of Traditional and Roth IRAs from contributions and distributions to portability—including the rules associated with rollovers between employer plans and IRAs.

Financial professionals working with Individual Retirement Accounts (IRAs) often find themselves in a tricky position—while they aren’t authorized to offer tax advice, they may still be called upon to address complex legal questions. The challenge is that there is limited IRS guidance on how to handle IRA legal issues.

Given the constantly evolving IRA reporting requirements, it is crucial for your financial organization to remain current on the latest mandates. Conduct a comprehensive examination of essential IRA reporting topics including required minimum distribution statements, fair market value statements, account statements, and IRS Forms 1099-R and 5498.

Recent changes to Required Minimum Distribution (RMD) rules, stemming from the SECURE Act, the CARES Act, and the updated life expectancy tables, have significantly impacted IRA administration. As RMDs become an increasingly important part of financial organizations’ services, particularly as the baby boomer generation ages, it is essential to stay up to date with the latest regulatory changes.

Retirement plan portability is one of the most popular topics fielded on our consulting lines. Attending this course will help ensure that you are handling these transactions properly. You will learn the difference between transfers and rollovers, and direct and indirect rollovers, as well as acquire an understanding of Roth retirement plan assets and portability with Roth IRAs.

Are you confident that you’re adhering to all federal and state withholding rules? Compliance reviews performed by Ascensus reveal that many financial organizations are unclear on IRA withholding rules. The SECURE Act has raised penalties for improper withholding notifications, and the IRS has recently updated withholding notices and requirements for different types of IRA distributions.

For the first time in about 20 years, due to the SECURE Act, the IRS is requiring all IRAs to be amended. The last time an amendment was required was in 2002, and also possibly in 2007 and 2010 for financial organizations using prototype documents.

Financial organizations often encounter complex beneficiary death claims, especially when there is limited regulatory guidance to navigate these situations. This comprehensive course provides an in-depth overview of aspects of Traditional and Roth IRA beneficiary issues, offering practical solutions for resolving death claims while minimizing risk.

Ascensus conducts countless compliance audits for financial organizations across the U.S., oftentimes finding issues that could result in substantial IRS penalties due to non-compliance with IRS requirements. Discover the most common “points of failure” that auditors have found, and which aspects of your IRA program you may find are out of compliance. Participants review compliance concerns and acquire helpful checklists to manage the compliance process and avoid common pitfalls that may end up costing thousands of dollars in IRS penalties.

Unidentified risk is unmitigated risk. There are diverse risks embedded in your everyday payment channels and you must understand the types of risk your organization confronts to better protect your bank. Explore best practices for effectively controlling risks and enhance your risk management strategy with valuable knowledge.

In today’s competitive business landscape, organizations often struggle to maintain strong relationships with their customers, highlighting the need for effective contact programs. This presentation will provide proven tools for designing and managing successful contact programs, including easy-to-use forms, worksheets, and support materials. These resources will help you craft an introduction plan, manage contact activities, report results, and design effective reward systems.

A breach is an organization’s worst nightmare, but should the worst come to pass, it’s not the end of the world. In fact, it’s time to respond. While your cybersecurity team is working to patch things up, the leadership team needs to stay informed. As a key part of your organization, what do you need to pay attention to during this time? What can you do to help prepare before a breach, and what can you do to help during or after one? Wolf & Company’s experts explain what you need to know about breaches, and how they can best be of service during or following an incident.

This course explores the e-mail fraud schemes known collectively as Business E-mail Compromise (BEC). In a BEC attack, cyberthieves compromise a corporate e-mail account and impersonate the e-mail account’s owner to deceive the company, its customers, partners and/or employees into sending money or sensitive data to the cyberthieves’ account. Some BEC attacks are intended to extract money and others are targeting sensitive information such as tax statements and personally identifiable information (PII). 

This course is designed for all employees who use computers and other devices to access their organizations’ systems. Learn about the main ways that cybercriminals use people to compromise systems, and what we can all do to avoid becoming victims.

This course explores the threats to security on smartphones. Smartphones are fully functional computers as well as communication devices. As such, they are subject to the same types of IT security threats as computers, as well as more specific threats. Learn to recognize threats, configure your smartphone to mitigate the risks and use your smartphone in a secure way.

This course explores the importance of having strong passwords, how and why hackers access accounts and systems, the consequences of these security breaches as well as both good and bad password security practices.

Cyberthieves use victims’ personal information to steal their money and identities. They attack victims’ computers and other devices with malware attacks. Learn what phishing is, the various ways cyberthieves try to exploit our computer systems and personal information, the types of damage they can cause, and the ways to reduce the likelihood of being “phished”.

This course explores what ransomware is, how cyberthieves attack systems with ransomware, what IT Departments and employees can do to reduce the likelihood of ransomware attacks, and what IT Departments and other employees should do in the event of a ransomware attack.

This course explores the threats to your security and privacy, and threats to your organization. Learn how to mitigate these threats with software settings and updates, as well as best practices for safe web browsing.

This course examines the IT security risks associated with remote work. Learn to keep your computer, devices and home network secure, use public networks safely, and recognize phishing and targeted phishing attempts.

With every loan request comes a plethora of numbers: financial statements, taxes, and various schedules. All this information, can cause many deals to quickly languish due to analysis paralysis. Learn the meaning and use of specific information that any banker must examine and understand. Starting with Common Sizing, walk through the current ratio, cash flow coverage, leverage, and the cash-to-cash cycle to comprehend the data you’re given and its significance.

ICBA has been working diligently in addressing federal regulator positions on deposit fees such as re-presentment fees, overdraft fees, and non-sufficient funds fees. But while we vigorously advocate at the federal level, community banks have been the subject of fee related lawsuits initiated in states across the country. Join us to hear insights from attorneys who have worked with and defended community banks against these claims.

Further details will be available 30 days prior to the webinar date.

Financial institutions undergo comprehensive regulatory examinations to verify their lending compliance performance. However, consistently changing requirements and evolving environments can make it difficult to navigate your compliance obligations—leading to regulatory scrutiny. Hear firsthand expert accounts of the challenges and criticisms faced by financial institutions during examinations and audits and analyze the impact of industry trends on lending compliance. We’ll discuss the top violations flagged during lending compliance examinations, areas of concern that should be prioritized when evaluating a lending compliance program, and the highest-risk issues seen by examiners in the industry.

ICBA Member - $310.50

Non-Member - $345.00

Many institutions invested heavily in developing and implementing a new, compliant reserve methodology. These new models are more complex than their predecessors by not only having more quantitative calculations and assumptions, but also requiring more education and oversight by management.

Every bank has three essential assets they should be managing. Like any asset within the organization, proactive management of each asset generates superior results. Among these essential assets we find a mix of employees, relationships, and the bank’s trade area reputation: all the ingredients necessary to attract and retain customers. 

Almost every organization is increasingly relying on vendors, service providers, SaaS and cloud solutions, and other third parties to execute their operational strategies. Accordingly, the focus of your business continuity plans must shift toward third-party management. How can you be sure that the continuity and disaster recovery (DR) capabilities of your third parties align with your own organization’s requirements? Do you and your third parties have a mutual understanding of each other’s requirements and capabilities, let alone a cohesive plan to respond to incidents?

From remote work policies to higher salaries and demands for social justice work, the workplace has radically evolved since the pandemic. Join Jackson Lewis P.C. attorneys for a discussion on why employees are leaving their jobs, what employers can do to recruit and retain talent, and how to plan for potential RIFs.

Customer journey mapping has entered the management process at institutions actively managing their customers’ experiences. However, mapping a journey is only part of the challenge.

Continuing education is top of mind in today’s corporate world. Professionals must learn how to succeed as both a mentor and mentee. Discover how the opportunity to be both can help you grow in your career and personal life. Participants will be able to identify what type of mentor they need during this time in their careers, how to choose the right mentor, and how to be a successful mentor and mentee.

The Military Lending Act was originally enacted in 2006 and is implemented by the Department of Defense. It protects active-duty members of the military, their spouses, and dependents from certain lending practices.

These practices could pose a risk for service members and their families, a threat to military readiness and affect service member retention. This course will provide details on definitions, applicability, procedures and the laws regarding the Military Lending Act.

Discover the key to unlocking the benefits of the Mission Driven Bank Fund, a $500 million private capital investment vehicle established to support FDIC insured MDIs and CDFIs. The fund offers tailored and flexible growth capital through various financial instruments based on your bank’s needs and structure. It also offers technical services to help build organizational capacity. Additionally, it will monitor, measure, and report the impact your mission-driven bank has in the communities you serve.

ICBA Members: $0
Unlimited Webinar Pass subscription: $0

Mobile Remote Deposit Capture has transformed how financial institutions offer remote deposit services. As they develop their RDC business plans, institutions must navigate the challenges and opportunities presented by the changing marketplace and emerging technologies. Topics covered include associated risks, funds availability options, and important rules and agreements. Participants will learn how to assess current practices, identify potential gaps, and make necessary adjustments to enhance their RDC programs.

In today’s world, it is imperative that financial institutions, law enforcement, and our government work together to combat and prevent financial crime, money laundering, and terrorist financing. Community bankers are committed to supporting balanced, effective measures that will prevent terrorists from using the financial system to fund their operations and prevent money launderers from hiding the proceeds of criminal activities.

However, anti-money laundering/combatting the financing of terrorism and Bank Secrecy Act compliance programs consume a growing share of community banks’ scarce resources.

Creative thinking can provide financial institutions with highly effective marketing solutions on a controlled budget. Study successful marketing programs implemented by community banks when limited promotion budgets were a key factor. Identify marketing program objectives and how banks implement each strategy with easy-to-read materials as you progress through this three-part program.

Given the increasing frequency and scale of data breaches, evolving data protection laws, expanded use of electronic monitoring by employers, and integration of AI tools, understanding your employee data and its usage is crucial in managing this growing risk.

Over the past 18 months, the community bank mergers and acquisitions environment has faced significant changes. This has led many community bankers to question the current state of the market and consider its future impacts. Additionally community banks have received unsolicited offers. 

The regulatory examination environment is getting much tougher. Many community banks across the country are experiencing examinations that present unexpected circumstances and adverse findings. Prepare your community bank for its next examination by discussing the current regulatory examination environment, identifying the current regulatory hot buttons and examination issues that are causing community banks problems and providing recommended strategies to resolve identified problems during and after the examination.

We need a new security model that adapts to the modern environment, supports the hybrid workplace, and protects people, devices, apps, and data everywhere. We must modernize our cybersecurity approach with Zero Trust, a strategy that assumes breaches are inevitable.

Discover negotiation strategies that will lead to success and influence in your job. These skills can easily transfer to other areas of your life. Learn how to strategically ask for what you want; prioritize what you want before asking; be clear as to why you want/need what you are asking for; and successfully close a negotiation. 

Leadership skills are essential for guiding your career, inspiring others, and embracing new opportunities. Courage plays a vital role in effective leadership, empowering you to take bold steps and negotiate for yourself in the workplace.

The New Year will present every community bank with the opportunity to consider new strategies to maximize profitability, utilize capital efficiently, navigate compliance concerns, maintain safety and soundness, and enhance shareholder value.

While the RTP® network from The Clearing House has been live for 4 years, most community banks are either just starting, or preparing to start their instant payments journey. Recorded Nov. 2, 2021.

Increasing adoption/volume/use cases on the RTP network, the upcoming launch of the FedNow℠ Service, and customer demand are all fueling the need for community banks to ensure they have a plan and roadmap for implementing instant payments. Recorded Nov. 2-17, 2021.

Situational awareness is a developed skill and a major part of crime prevention. Enhance your awareness and observation skills to become more mindful of your surroundings. Learn how perception can differ from reality and why observers may describe the same incident differently. Program attendees will gain strategies to improve crime prevention efforts and memory retention.

On October 24, the banking agencies finalized significant changes to the Community Reinvestment Act (CRA). While ICBA and other trade associations have filed a complaint and request for preliminary injunction on the Final rules, it is still important to be prepared. 

Some of the most common questions the Macha office receives pertain to issues with consumer person-to-person (P2P) transfers via the ACH Network. These problems can include fraud, incorrect account numbers, and buyer’s remorse, all of which can result in financial losses for your organization. Learn about the unique features of P2P transfers via the ACH network and discover how to avoid or address issues as they arise.

Learning Objectives:

• Examine P2P transfers via the ACH Network.

• Learn about the most common P2P problems.

• Discover how to resolve P2P problems.

Duration: 90-minutes

To a customer, customer service representatives are the first and most visible representatives of a bank. 

Navigating tax returns has never been enjoyable. The complexity of the various forms, the flow of information, as well as the size of many borrowers' returns can be intimidating. This webinar will assist you in understanding the core information you need to accurately assess the cash income of your borrower. 

The ACH Operating Rules require all participating DFIs, Third-Party Senders and Nested Third-Party Senders to conduct an assessment of the risks of their ACH activities. But “how,” is not specified. Review risk assessment best practices and learn how to maintain compliance with the requirements of your primary regulators.

Ransomware isn’t a new phenomenon. In fact, it’s been plaguing organizations for years, preying on weaknesses in security systems to steal data and compromise systems. In April 2024, VMware Carbon Black reported that businesses around the world had seen a 148% increase in ransomware attacks due to the widespread effects of COVID-19, leaving institutions either scrambling to remediate breaches or generate new procedures to prevent them.

Leaders are frequently tasked with public speaking engagements and need confidence and skills effectively deliver presentations. Whether you are presenting to your peers, to senior management, or to the Board of Directors, this practical course will help you increase your level of confidence from the preparation stage through your delivery time with your audience.

The Principles of Banking Certificate Program offers a comprehensive look at the banking industry. This certificate is ideal for employees new to banking and those looking to enrich their understanding of how a bank is structured, operates financially, serves its customers and community and stays safe and compliant.

The Principles of Banking Certificate Program offers a comprehensive look at the banking industry. This certificate is ideal for employees new to banking and those looking to enrich their understanding of how a bank is structured, operates financially, serves its customers and community and stays safe and compliant.

$499 / ICBA Members

$999 / Non-Members

The banking industry can be quite complex. It is important bankers understand the industry as a whole. This course will provide an overview of the banking industry. It will discuss how a bank is structured, how it operates financially, the rules the bank must follow, various products and services the bank may offer to its customers, security and fraud, and the various examinations that banks must participate.

Help employees explore careers and position them for growth at your community bank with ICBA Education’s Professional Development Planner.

The Professional Development Planner offers a detailed overview of more than 80 community bank job functions and assists employees in exploring and shaping their careers by outlining the experience, skills, and competencies needed to achieve their professional goals.

ICBA Member - $499
Non-Member - $2,499

$399 first year introductory offer for ICBA Members who subscribe prior to April 30, 2024

Check processing is subject to a variety of laws and regulations that are crucial for ensuring accuracy and compliance. This session provides an overview of the key legal frameworks governing check processing, helping your bank navigate complex requirements.

The Quarterly Regulatory Compliance Webinars deliver the most up-to-date guidance on regulatory compliance, upcoming deadlines, available resources, and more. Offered quarterly, these 60-minute webinars deliver comprehensive information with actionable takeaways. Gain valuable perspectives and commentary from our team of knowledgeable educators, engage in discussions on current regulatory issues, and submit questions. Tailored for community bank compliance officers and risk managers, these webinars are also suitable for all banking professionals seeking to stay abreast of developments in the compliance landscape.

The Quarterly Regulatory Compliance Webinars deliver the most up-to-date guidance on regulatory compliance, upcoming deadlines, available resources, and more. Offered quarterly, these 60-minute webinars deliver comprehensive information with actionable takeaways.

The Quarterly Regulatory Compliance Webinars deliver the most up-to-date guidance on regulatory compliance, upcoming deadlines, available resources, and more. Offered quarterly, these 60-minute webinars deliver comprehensive information with actionable takeaways. Gain valuable perspectives and commentary from our team of knowledgeable educators, engage in discussions on current regulatory issues, and submit questions. Tailored for community bank compliance officers and risk managers, these webinars are also suitable for all banking professionals seeking to stay abreast of developments in the compliance landscape.

The Quarterly Regulatory Compliance Webinars deliver the most up-to-date guidance on regulatory compliance, upcoming deadlines, available resources, and more. Offered quarterly, these 60-minute webinars deliver comprehensive information with actionable takeaways. Gain valuable perspectives and commentary from our team of knowledgeable educators, engage in discussions on current regulatory issues, and submit questions. Tailored for community bank compliance officers and risk managers, these webinars are also suitable for all banking professionals seeking to stay abreast of developments in the compliance landscape.

The Quarterly Regulatory Compliance Webinars deliver the most up-to-date guidance on regulatory compliance, upcoming deadlines, available resources, and more. Offered quarterly, these 60-minute webinars deliver comprehensive information with actionable takeaways. Gain valuable perspectives and commentary from our team of knowledgeable educators, engage in discussions on current regulatory issues, and submit questions. Tailored for community bank compliance officers and risk managers, these webinars are also suitable for all banking professionals seeking to stay abreast of developments in the compliance landscape..

The Quarterly Regulatory Compliance Webinars deliver the most up-to-date guidance on regulatory compliance, upcoming deadlines, available resources, and more. Offered quarterly, these 60-minute webinars deliver comprehensive information with actionable takeaways.

The Quarterly Regulatory Compliance Webinars deliver the most up-to-date guidance on regulatory compliance, upcoming deadlines, available resources, and more. Offered quarterly, these 60-minute webinars deliver comprehensive information with actionable takeaways. Gain valuable perspectives and commentary from our team of knowledgeable educators, engage in discussions on current regulatory issues, and submit questions. Tailored for community bank compliance officers and risk managers, these webinars are also suitable for all banking professionals seeking to stay abreast of developments in the compliance landscape..

The Quarterly Regulatory Compliance Webinars deliver the most up-to-date guidance on regulatory compliance, upcoming deadlines, available resources, and more. Offered quarterly, these 60-minute webinars deliver comprehensive information with actionable takeaways. Gain valuable perspectives and commentary from our team of knowledgeable educators, engage in discussions on current regulatory issues, and submit questions. Tailored for community bank compliance officers and risk managers, these webinars are also suitable for all banking professionals seeking to stay abreast of developments in the compliance landscape.

Understanding the complex rules and regulations governing Remote Deposit Capture (RDC) can be challenging for financial professionals. This session will focus on the latest RDC regulations, providing a comprehensive understanding of various related topics. These include image exchange rules, as well as agreements from the Federal Reserve, ECCHO, and Nacha. This session will also cover check clearing laws and relevant regulations, such as Regs CC, J, and E, along with UCC Articles 3 & 4. Additionally, the role of legal agreements will be addressed, ensuring attendees are well-informed on all aspects of RDC compliance.

In today’s competitive banking landscape, many institutions struggle to create a cohesive sales environment that fosters long-term customer relationships and drives consistent growth. This session takes a “recipe card” approach, outlining the key ingredients for relationship-driven success and exploring how banks are adapting to the evolving market.

The Reconsideration of Value Policy is designed to streamline the process of handling appraisal disputes efficiently and in compliance with regulatory guidelines.

This customizable policy helps your financial institution manage requests for appraisal reconsideration, ensuring a consistent and fair approach while mitigating risk. By establishing clear procedures, your team can address borrower concerns confidently, improving customer satisfaction and maintaining compliance.

Provides guidance for lenders on the requirements of this regulation as well as prescreening, the interview and application process, credit evaluation, action notifications, signature policy, and credit reporting.

The primary purpose of the Truth-in-Savings Act is to give consumers enough information to make an informed decision about deposit accounts they want to open at the bank via standardized disclosures.

The disclosures aid comparison shopping by informing consumers about the fees, annual percentage yield, interest rate, and other terms for deposit accounts. The regulation also includes requirements on the payment of interest, the methods of calculating the balance on which interest is paid, the calculation of the annual-percentage yield, and advertising. This course provides details on all of the Regulation DD requirements.

The primary purpose of the Truth-in-Savings Act is to give consumers enough information to make an informed decision about deposit accounts they want to open at the bank via standardized disclosures.

The disclosures aid comparison shopping by informing consumers about the fees, annual percentage yield, interest rate, and other terms for deposit accounts. The regulation also includes requirements on the payment of interest, the methods of calculating the balance on which interest is paid, the calculation of the annual-percentage yield, and advertising.

Regulation E provides basic protections for a consumer when using an electronic fund transfer service that the bank offers. Liability and error resolution are essential to the consumer protections of Regulation E and unauthorized transactions.

The regulation defines an error; states the consumers liability; and provides the error resolution procedures that banks must follow.

Regulation E protects consumers from unauthorized electronic funds transfers (EFTs). The regulation establishes the rights and liabilities of consumers and financial institutions regarding these unauthorized EFTs.

This suite of policies includes Lending Advertising Policy, Closed-End Consumer Non-Real Estate Loans Policy, Consumer Closed-end Real Estate Loan Policy, HELOC and Other Open End Products Policy, Consumer Credit Card Policy, and Appendix.

Now more than ever, financial institutions must consider the risk of change. Regulatory changes, system conversions, new products and services, and corrective action for audit findings are just a few examples of situations that will frequently impact your organization.

Attend the ICBA’s Quarterly Regulatory Compliance Webinars for the very latest regulatory compliance guidance, upcoming deadlines, resources, and more. Offered quarterly, these 60-minute webinars provide comprehensive information into manageable, actionable takeaways.

Attend the ICBA’s Quarterly Regulatory Compliance Webinars for the very latest regulatory compliance guidance, upcoming deadlines, resources, and more. Offered quarterly, these 60-minute webinars provide comprehensive information into manageable, actionable takeaways.

Attend the ICBA’s Quarterly Regulatory Compliance Webinars for the very latest regulatory compliance guidance, upcoming deadlines, resources, and more. Offered quarterly, these 60-minute webinars provide comprehensive information into manageable, actionable takeaways.

Attend the ICBA’s Quarterly Regulatory Compliance Webinars for the very latest regulatory compliance guidance, upcoming deadlines, resources, and more. Offered quarterly, these 60-minute webinars provide comprehensive information into manageable, actionable takeaways.

During this 60-minute webinar, examine the current regulatory priorities in safety and soundness. The speaker will describe how to mitigate risk associated with those priorities and stay ahead of regulatory hot buttons in exams and in transactions.

Gain an overview of the bank regulatory and supervisory highlights from 2022 and some predictions on what might be in store for 2023. Topics that will be covered include CRA reform, digital assets, rising interest rates, turnover at the regulatory agencies, sanctions, and bank partnerships.

Learning Objectives:

• Outline the bank regulatory and supervisory highlights from 2022.

• Predict what’s in store for 2023 on topics such as CRA Reform, and rising interest rates.
  

Gain an overview of the bank regulatory and supervisory highlights from 2023 and some predictions on what might be in store for 2024. The discussion will cover the regulators' identified top 10 priorities for 2024, as outlined in their annual risk guidance. These priorities encompass supervision, compliance, governance, and risk management.

Review the top regulatory issues that banks across the country are currently encountering, with predictions on the issues that regulators are most likely to focus on in 2025.  The presentation will also provide examples of best practices that boards of directors and management teams can implement to prevent and/or remediate regulatory concerns in 2025.

The Real Estate Settlement Procedures Act section 1024.14 & 1024.15, also known as “Section 8” prohibits certain payments and business arrangement. Section 1024.14 prohibits the paying or receiving of referral fees for mortgage loans and allows lenders to receive compensation only for services actually performed.

The law does allow banks to pay its own employee for loan referrals. Section 1024.15 sets requirements on affiliated business arrangements.

The Right to Financial Privacy Act of 1978 provides customers of financial institutions with a reasonable amount of privacy for their financial records from the federal government. The Act includes rules about the process federal government authorities must follow and compliance requirements for banks responding to and keeping records of the requests.

Banks are entrusted with customers’ personal data and must safeguard this data from being released in error or without authority. This course will discuss the documentation that the federal authorities must provide to banks when requesting financial information and the requirements of banks to respond.

Navigating the complexities of Roth IRAs can be challenging due to their unique features and evolving regulations. Gain a comprehensive understanding of the Roth IRA, including its distinct benefits and how it compares to other retirement savings accounts. Key discussion topics include tax advantages, contribution eligibility rules, reporting requirements, and portability options.

SECURE 2.0 contains significant changes for retirement plans, plan sponsors, and retirement plan providers. Review key provisions, identify what’s most relevant to your financial institution, and discover optimal timing of when your organization should be ready for change.

The Servicemember Civil Relief Act (SCRA) provides relief provisions for both consumer and business credit that was extended to servicemembers prior to going on active duty.

The protections include a reduced interest rate on certain loans, protection against foreclosure, protections from default judgements in civil lawsuits, protections against repossession of property, and the ability to terminate a lease without penalty.

The Small Business Lending Rule (aka 1071) requires financial institutions collect and report to the CFPB certain data regarding applications for credit for women-owned, minority-owned, and small businesses in order to facilitate enforcement of fair lending laws, and enable communities, governmental entities, and creditors to identify business and community development needs and opportunities.

The Small Business Lending Rule (aka 1071) requires financial institutions collect and report to the CFPB certain data regarding applications for credit for women-owned, minority-owned, and small businesses in order to facilitate enforcement of fair lending laws, and enable communities, governmental entities, and creditors to identify business and community development needs and opportunities.

This course explores what social engineering is, the types of social engineering attacks criminals use and the techniques they use to manipulate people into performing actions that either compromise their computers and devices or expose personal or sensitive information. Learn to recognize social engineering attempts and ways to avoid becoming a victim.

Federal regulators have been particularly vocal over the past 18 months regarding bank-fintech relationships. This session will provide valuable insights into the evolving world of Fintechs, focusing on the latest regulatory guidance and supervisory actions. Participants will explore how recent developments have impacted both banking-as-a-service banks and banks with third party technology relationships. Gain a deeper understanding of these changes and their implications for the future of banking and fintech collaboration.

The environment for community financial institutions has changed drastically over the last five years due to shifts in interest rates, emerging technologies, evolving consumer preferences, and recent bank failures.

The aftermath of the Pandemic, coupled with new technologies, shifting consumer preferences, market changes, and recent bank failures, has reshaped the industry significantly. The financial industry faces various forces, challenges, and new competitors, all amidst prevailing uncertainty.

The aftermath of the pandemic, new and emerging technologies, evolving consumer preferences and other market shifts highlight the need for community banks to develop a strategic plan that is fluid.

Strategic planning in banking is constantly evolving in today’s economic and regulatory landscape. Discover key elements of strategic planning in an environment where the only thing certain is change – from political elections and global events, the domestic economy, and regulatory scrutiny, among others. Discussion will include key topics to address in every strategic plan, as well as topics unique to your institution, ranging from safety and soundness considerations like capital to succession planning.

Every company, regardless of industry, is trying to figure out how to attract and retain the right talent. Organizations are also striving to achieve their goals and fulfill the vision described in their strategic plan. But how do you achieve all — attracting and retaining talent while achieving your objectives and fulfilling your vision?

Companies across all industries are striving to attract and retain top talent while achieving their strategic goals. To succeed, leaders must prioritize succession planning and integrate it into their organization’s talent management program and strategic plan. 

Over the last decade, one of the most significant challenges facing community banks has been attracting and retaining new directors and banking talent.

In recent years, supply chains have become more efficient by automating many of the tasks and processes that were previously performed manually. The more that companies’ processes are automated and the more supply chain partners’ computer systems are connected to exchange data, the more potential there is for cyberattacks. Every partner’s network in a supply chain is only as secure as the “weakest link in the chain”, and the software used by the connected networks is itself a security concern. In this course, we will explore the risks and the ways to reduce them.

During the 2023-2024 Term, the Supreme Court issued several landmark decisions with significant implications for federal agencies. Examine an in-depth analysis of three pivotal cases—Loper Bright, Jarkesy, and Corner Post—and determine their potential impact on the banking sector.

This course explores how fraudsters create synthetic identities and use them to get credit cards and other forms of credit. Learn how synthetic identities are created, how fraudsters use them to get a positive credit score, then “bust out”, or max out the credit on cards, lines of credit etc. Learn to recognize red flags indicating that a credit applicant may be using a synthetic identity.

Building an accurate income assessment of a multiple entity borrower has always been challenging. Determining the cash generated by individual businesses while also understanding the condition of each borrower's holdings can be a struggle even with complete information.

The ICBA Teller Specialist Certificate Program equips today’s bank teller with the knowledge and tools needed to meet the demanding requirements of the frontline banking environment.

The Teller Specialist Certificate Program equips today’s bank teller with the knowledge and tools needed to meet the demanding requirements of the frontline banking environment. This certificate programs consists of four critical learning areas, each designed to maximize the learner’s ability to perform the teller function.

$199 / ICBA Members

$399 / Non-Members

Prepare employees and managers to respond appropriately to an active shooter incident. Review concepts endorsed by the U.S. Department of Homeland Security and learn what to expect when law enforcement responds.

Setting exposure limits for your ACH Originators is a requirement of the Nacha Rules. However, there are no set guidelines on how this task should be accomplished. Explore the art, not science, of effectively setting limits for your ACH originators.

Data is abundant in banking, but effectively leveraging it poses a significant challenge for bank managers. While better data can lead to improved insights, which support better decision-making, many find it difficult to utilize the resources at their disposal.

Delve into the often-neglected realm of business banking, specifically non-consumer exception handling for ACH, check, and wire transactions. Discover the sources of relevant rules and guidance, understand your liability, and explore strategies for safeguarding your organization.

The government's response to the pandemic initially led to significant asset growth in the banking industry but was subsequently followed by elevated inflation and a sharp rise in interest rates. Funding cost pressures and deposit mix changes, along with credit trends in both consumer and commercial loans reflect increasing uncertainty. Explore potential outcomes and the implications if these trends continue or intensify.  

The Federal Reserve has embarked on the most aggressive efforts to fight inflation since the early 1980s. After more than a decade of expansionary monetary (and fiscal) policy, banks have been whipsawed. In effect, the Federal Reserve has sprung a liquidity trap.

In today's fast-paced digital world, consumers and businesses alike are grappling with the need for faster, safer, and more convenient payment solutions. As traditional payment methods face growing challenges, new technologies are stepping in to revolutionize the way we exchange money.

The improper handling of Death Notification Entries (DNE), Government Reclamations, and Garnishments can expose financial institutions to potential significant dollar losses. This session will cover the proper procedures for handling ACH Government Reclamations and the garnishment of accounts receiving federal government ACH benefit payments.