ICBA Education Webinars

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.

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.

Data is abundant in banking, but finding effective ways to use it has become a significant challenge. Better data can lead to better insights, and better insights will lead to better decisions. Leveraging available data resources often presents a challenge for bank managers. This session examines data that can be collected from primary and secondary sources.

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.

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.

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

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

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.

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.

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.

During this 60 minute webinar, your presenters, Kristen Ritter and Clint Jay from TIB Consulting Solutions, will provide regulatory updates and share common issues that regularly come up. Recorded Nov. 1, 2022.

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.

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.

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.

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 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.

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.

What is the difference between having satisfied customers or customers who are loyal? Examine industry surveys to explore the level of satisfaction that exists between financial institutions and the clients they serve.

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.

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.

Rent rolls and cash flow are just the start in the risk of lending on commercial real estate. Whether it is owner occupied, investment or development, knowing what to look for will in terms of risk, will assist in avoiding headaches and losses in the future.

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.

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.

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. 

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. 

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

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 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.

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.

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's clear a different set of dynamics are in play from the recent past as we approach year-end. Between market losses on the bond portfolio, uncertainty about deposit availability and margin compression, bankers are thinking about strategies for the fourth quarter. We will discuss some popular plays run by community banks in 2022, with an eye toward improving future periods. Recorded Oct. 13, 2022.

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.

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.

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

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].

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

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?

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. 

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. 

Understanding payments regulations is challenging! Join us as we unlock the mysteries of the regulations that impact ACH, checks (remote deposit capture), cards, and wires. This session equips attendees with a better understanding of the payment regulations, rules, and guidance that apply within 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.

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.

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.

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.

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.

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.

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.

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. 

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.

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.

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

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.

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 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.

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.

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.

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

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.

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 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.

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.

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.

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 finding effective ways to use it has become a significant challenge. Better data can lead to better insights, and better insights will lead to better decisions. Leveraging available data resources often presents a challenge for bank managers. This session examines data that can be collected from primary and secondary sources.

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.

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.

Does your bank have a social media policy? When was the last time you thought about how your employees’ online activity might affect your business? Discuss good and bad examples of social media use policies, what can and cannot be posted, privacy and the use of social media on company devices. Plus, learn how federal, state, and local laws may affect best practices for your social media policies.

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.

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.

ThinkTECH Connect is intended to be a quick look at fintech companies that may be of interest to you and your bank. Hear seven-minute pitches from emerging fintech companies designed to help your bank remain efficient, profitable, and competitive.

Let us help you with your bank's strategic planning over your lunch hour!

Recorded Date: November 21, 2024.

Registration fee: $0 for members / $99 nonmembers

Grasp the essentials of Enterprise Risk Management (ERM). Gain insight into the three crucial phases of ERM and understand the integral role of Risk Assessments. Explore the workings of the Risk Assessment Process, focusing on three key assessments vital to your ERM Program: Enterprise Risk Management Risk Assessment, Information Technology Risk Assessment, and the Internal Controls Risk Assessment.

Check fraud remains one of the most common types of fraud. It is a growing problem for banks because it’s easy to execute. Forgery, alterations, and counterfeit checks continue to be a major issue for banks, and treasury checks are not excluded from fraud. In late 2023, the Treasury amended regulations affecting bank liability for treasury checks.

Treasury management services are essential tools for business customers, helping them manage cash positions and perform various tasks related to their operations. These tasks include managing account balances and handling accounts payable and receivable processes. This session reviews these services, including their use cases and benefits. Participants will learn how to integrate products and services for more efficient operations.

Review the primary Treasury Management services available in the market. Learn about strategies to offer the right Treasury Management services your business customers need, based on the value these services provide to businesses. 

While the basics of unclaimed property reporting are consistent for all holders, financial institutions can face particularly complex questions and issues around unclaimed property. From determining the proper state for escheatment, to deciphering dormancy rules around complicated property types like IRAs, financial institutions must take care to understand the scope of their unclaimed property reporting requirements to stay compliant.

Learn how to develop a simple yet comprehensive Vendor Management Program based on best practices from the FFIEC IT Examination Handbook. Go beyond the basics, with a step-by-step analysis of guidance outlined in the OCC SR Letter 11-7 on Model Risk Management to understand how Vendor Management and Model Risk Management fit within your overall Enterprise Risk Management (ERM) program.

Financial institutions may be overlooking key obligations under Executive Order 11246, Vietnam Era Veterans Assistance Act (VEVRAA), and Section 503 of the Rehabilitation Act. These regulations require employers to collect and analyze specific data, prepare annual affirmative action plans, and conduct pay equity analyses. This session will identify key compliance areas and discuss best practices for achieving and maintaining compliance.

The banking industry is facing continued deposit pressure after recent Federal Reserve rate hikes. The outflow of low-cost deposits and changes in deposit mix have hurt margins and raised concerns about interest rate risk (IRR).

Understanding how a bank is run as a business is crucial for the success of young bankers who are the future leaders. Preparing as you gain experience, including making valuable connections along the way, will propel you and equip you to either run a successful bank in the future or be part of one.