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Conferences & Education

On Demand Complimentary Webinars: WIB Endorsed and Group Purchase Programs

Need to get up-to-speed or up-to-date on a timely industry topic?  

WIB On Demand offers webinar playback files of our best, most timely past webinars. You will webinars addressing topics at the heart of independent banking today.

Complimentary WIB On Demand webinars are available for immediate download by clicking the appropriate links below. 

Also, be sure to check out our calendar for upcoming webinars.

Click here for:  Educational Webinars  

ON-DEMAND WEBINARS: WIB ENDORSED and GROUP PURCHASE PROGRAMS

These are webinars that you can play back at any time, at your convenience! They are presented in coordination with our Program Partner firms.

Tools and Resources for Successful UDAAP Management  |  Playback File

Recorded: October 25, 2012
Presenters: Rebecca Frederick, Principal Analyst, Business Risk and Privacy Management, Deluxe Corporation

The Dodd Frank Act expanded the UDAP law (Unfair or Deceptive Acts or Practices) to add the concept of “Abusive” into the oversight standards. The scope of this change impacts every financial institution, and many service providers that provide financial products and services. The Act also gave UDAAP rule making and enforcement authority to the CFPB which will trickle down to every regulatory agency and ultimately impact you in your next exam.  

Here we review the regulatory landscape, including the CFPB's recent UDAAP enforcement actions and the CFPB Examination guidelines. These consent orders are having a chilling effect on financial institutions and every community bank should be working to conduct a UDAAP review of the bank’s products and services. Session takeaways include an overview on the following learning objectives along with actionable tools and resources to implement a successful UDAAP management program.

  • Today’s Regulatory Landscape
  • Market Factors & Emerging Issues
  • UDAAP Fundamentals
  • UDAAP Enforcement Actions: Cap One and Discover
  • Best Practices for UDAAP Risk Management
  • Operational Readiness for UDAAP Oversight

The End of TAG & the Beginning of Deposits Outflow – 5 Points of Consideration  |  Playback File

Recorded: November 14, 2012
Presenters: John Drahzal, President, Reich & Tang and Oliver Ireland, Partner, Morrison & Foerster

Are you prepared for some of the $1.6 trillion sitting in non-interest bearing accounts to migrate to larger banks and money market mutual funds come year’s end? The Temporary Account Guarantee (TAG) Program (providing unlimited FDIC insurance coverage for non-interest bearing transaction accounts) is set to expire on December 31 and banks need to prepare themselves. With no word yet from Congress as to whether the coverage will be extended, accounts across the $250k level could exit your bank.   

In this updated session, we’ll provide the latest on regulatory discussions regarding the extension or expiration of TAG/Dodd-Frank Deposit Insurance Provision, and how the presidential election may affect that final decision. We discuss what community banks should be considering with regards to:

  • Regulatory issues
  • Risk management reporting to the Board
  • Client services & communication strategy
  • Product strategy
  • Maintaining your competitive advantage

Top Issues in Today’s Lender-Placed Insurance Environment  |  Playback File

Recorded: August 30, 2012
Presenters: Willie Brown, Assistant Vice President, Product Administration, QBE FIRST
Larry Palmer, Vice President, Flood, Seattle Specialty Insurance Services, Inc.

Like other aspects of mortgage lending, lender-placed and flood insurance are undergoing rapid change. Seattle Specialty, WIB’s Endorsed Program for Lender-Placed Insurance discusses the latest industry developments helping community banks to make sense of current requirements and to understand how proposed changes may impact the industry in the future. This information-packed session covers:

  • National Flood Insurance Program (NFIP) update
  • CFPB Servicing Rules
  • Latest requirements for lender-placed insurance (including Dodd-Frank vs. California AB 1603)

Review Before You Renew – Defining Your Insurance Needs for Competitive Bids  |  Playback File

Recorded: July 12, 2012
Presenters: Patrick Corey, President, IBIS Insurance Services, Inc.; Justin Corey, VP Sales & Marketing, IBIS Insurance Services, Inc.

Intense regulatory scrutiny and an increase in lawsuits against bank boards and management call for adequate D&O coverage. The quality of policy forms can vary significantly because of D&O insurance is not subject to regulatory insight and underwriters can further restrict coverage to the point where the policy offers little meaningful protection. It’s even possible for your carrier to place a Regulatory, Past Acts, and/or Classified Loan exclusion on your policy!

In a case where it’s buyer beware, your bank needs to set parameters for your insurance coverage prior to going to the market for competitive bids or even renewing with an existing provider. Get equipped with the knowledge you need, methodology and steps you should take in order to establish the proper parameters and the terms and conditions for your bank’s insurance requirements. You will better understand your options, exposure and risks and gain stronger negotiation leverage in the marketplace by the end of this webinar.

Using Leasing to Diversify the Commercial Lending Portfolio  |  Playback File

Recorded: July 11, 2012
Presenters: Mark Buchanan, Executive Vice President, BancLeasing, Inc.
Bill Zent, Vice President, Western Independent Bankers

95% of businesses don’t think of their banks as a source for equipment financing needs. Yet equipment finance is a $380 Billon marketplace waiting to be tapped. Don’t let your bank continue to leave additional income opportunities on the table. If you’re a bank that is in need of more C&I loans and strategies that diversify the bank’s commercial lending portfolio, we’ll show you how to leverage equipment leasing opportunities in local markets and within your own customer base.

Come learn how to capture your share of this $300 Billion marketplace:

  • Organically grow your C&I portfolio with your best credits
  • Generate additional interest and fee income
  • Achieve portfolio diversification requirements
  • Differentiate your bank from your competitors
  • Strengthen  your relationship with your current commercial customers

Utilizing BOLI to Increase Earnings and Recover Benefit Expenses  |  Playback File

Recorded: July 10, 2012
Presenter: Russell Vandevelde, Managing Partner, EBS, a bank consulting company

Given low interest rates, the abundance of liquidity on bank balance sheets and the desire to maintain or increase capital, many institutions are looking for ways to improve their earnings. In today's environment, western region community banks are experiencing some loan growth, yet quality and pricing remains a chief concern.  Our feedback is that Bank Management is interested in alternative strategies that can add to their bottom line or serve as an officer retention tool, as long as undue risk is avoided.  One strategy that many banks have found attractive is BOLI (Bank Owned Life insurance). There are critical decision points to understand and consider when determining if BOLI, or a reassessment of your current BOLI portfolio, is the right strategy for your bank.

  • What Balance Sheet characteristics lead banks to consider BOLI?
  • What are other community banks doing and why?
  • Can I achieve greater yield and/or reduce risk with my current BOLI holdings?
  • What are the factors I should consider when restructuring or considering a BOLI strategy?
  • What insurance company factors influence product performance?
  • What is the market opportunity today?