Financial Services and Trading
Background Checks for Banks
Employee background checks are an inescapable reality for financial institutions. And while developing and administering an appropriate background check program has always presented tricky compliance issues for banks and credit unions, regulatory and legal developments in this area have made compliance both more challenging and more important.Financial institutions face greater potential challenges and pitf..
Blockchain Demystifed - What It Really Is, What It Can Do, and How It May Impact the Business World
The blockchain is a new fundamental technology. It has been liking to the advent of the internet in the scope of its possible changes for the future of the business world. This technology has a chance to change everything throughout the business. Most people are clueless about blockchain and they don't fully understand it. Even if you try to Google blockchain, read about it and its implications it becomes c..
Capital Adequacy and Stress Testing: Understanding the CCAR (Federal Reserve) and DFAST (OCC) Programs
Banks and Credit Unions are subject to programs of the Federal Reserve, the Office of the Comptroller of the Currency (OCC), and the National Credit Union Administration (NCUA), which test whether each Bank or Credit Union has sufficient capital to navigate successfully through adverse future economic scenarios. The required analysis involves estimating the losses the Bank or Credit Union will incur in a ra..
Cash Flow Analysis of Borrower’s Repayment Ability
Understand the Importance of Cash Flow to Bankers, How to calculate it and what its Uses are. As a banker, you need to interpret cash flow and calculate it accurately to pitch a stellar success. This session is designed to assist you as a banker in calculating cash flow from operations and help you to calculate Global Cash Flow Analysis for those entities that must rely on excess cash generated by their own..
Cash Management: How Sales, Operations, and Technology Can Work Together to Generate More Fee Income
During this webinar, you will gain a more in-depth knowledge of Cash Management (aka Treasury Management) products and services. You will learn about all the Cash Management products and services available in the marketplace, identify the products and services your community bank currently offers, what you’re missing, and come up with strategies to implement and offer the right products and services for you..
Creating a Robust IT Governance Program
IT governance (ITG) is defined as the processes that ensure the effective and efficient use of IT in enabling an organization to achieve its goals. Organizations today are subject to many regulations governing the protection of confidential information, financial accountability, data retention, and disaster recovery, among others. They're also under pressure from shareholders, stakeholders, and customers.To..
Credit Policy Fundamentals: Principles and Practices
Participants will learn how to diagnose their own credit policies to identify any gaps, and if so, how to write practical and understandable policies that meet regulatory expectations for content. They will be able to implement and maintain the processes and procedures needed to ensure that their policies are kept current and accurate, are monitored for compliance with them by means of tracking exceptions t..
Current Issues In Credit Risk
The reactions to the 2007 crisis have amply shown that, for most people who had to react as regulators, lenders or investors, the body of crisis-fighting knowledge was picked up essentially from the last 10 years. Few people referred to the main precedent, the 1929 crisis, to pick up wisdom from precedents: it was deemed too old to be relevant. Regulators’ reactions indicated that little was done to envisio..
Does Anyone Care About SOX Anymore?
Many people feel that the task of documenting their company’s Sarbanes-Oxley controls has become routine and downright boring. However, the SOX documentation process remains one of the best ways for CFOs and CEOs to be comfortable in signing off documents that make them personally and criminally responsible for the accuracy and reliability of their public company's financial statements and the effectiveness..
Emerging Issues: E-Signatures, E-Verification, E-CDD/EDD Etc
In recent years the increased use of electronic means to obtain customer signatures, to conduct verifications of customer information, and to conduct overall customer due diligence has posed problems for financial institutions to fully comply with KYC, CDD/EDD requirements. This webinar will discuss methods of using electronic means for these activities and will discuss up-to-date guidance provided by FinCE..
Ensuring compliance in Anti-Money Laundering (AML) / Know Your Customer (KYC)
Money Laundering, when it is allowed to occur, is often done to enable crime: for example, fraud, drug trafficking, human trafficking, or terrorism. Moreover, Money Laundering can be a felony in itself, because it enables crime, or because it violates laws enacted to protect national security. Because of this, US law imposes on banks and other financial institutions (such as Credit Unions), and their manage..
FinCEN's CDD Rule - Fifth Prong of the AML Program
FinCEN has issued substantial new AML requirements focused on a major expansion of Know Your Customer into what is now Customer Due Diligence, CDD. It goes far beyond knowledge of the Customer Legal Entity to the Beneficial Owner of that entity and its Controlling Persons. It is focused beyond the initial customer acceptance step, requiring updating and ongoing monitoring against baseline “normal” activity ..
How to Analyze Operating Performance and Financial Condition with Ratios
Insights on Ratio Analysis to Determine Financial Strengths and Weaknesses. This session will explain how to employ ratios to measure and evaluate a borrower’s performance and financial condition. The borrower’s financial profile does change over its life cycle as it moves from a new entity to a mature firm, and this change over time will be explained and illustrated so that participants will see the link b..
How to Analyze the Income Statement
Many people may have financial statements in front of them but they do not know what they should be looking for. The Financial Statements can be seen as a Maze as there is so much information and people do not know where to start looking first. This live webinar will show people where they can find the income statement information they need and then depending on their needs (Are they looking to invest in th..
How to Project Cash Flow to Evaluate Borrower’s Ability to Repay Long-term Loans
One of the most basic analytical and underwriting tools a banker must have is the ability to determine whether a borrower can repay its loans based on the financial information available. Financial organizations extend credit to borrowers when the borrowers show the ability to repay the loans extended. Ideally, a request for a five-year loan should be supported by a 5-year cash flow projection. Learn key as..