Calendar of Events

> Webinar: Lending Alert: Regulation Z Mortgage Application Timing Requirements

Thu, 17 May 2012 19:00:00 GMT

It seems as if each new reiteration of Regulation Z makes the entire process more complicated and time consuming. This webinar is designed to cover the timing requirements of the regulation, including the links that might exist regarding timing requirements in other regulations. It will also address contrasting definitions of “application” in different regulations, so you will understand the differences and the direct impact on Regulation Z.

Some of the differing Regulation Z disclosures will be covered, and the handouts will include significant information regarding required Regulation Z content. The focus of this session will not be on every required field in each form, but on those fields that have a direct impact upon the Regulation Z timing requirements.

HIGHLIGHTS

Determining the application date (when the “clock starts to tick”)
When must the different types of Regulation Z mortgage disclosures be delivered?
Calculating the delay period the regulation requires
When should you re-disclose? How will that change the closing date?
When can the loan close?

WHO SHOULD ATTEND?
This informative session is designed for mortgage lenders, mortgage processors, senior lending personnel, auditors, and others who work in or review the mortgage loan process.

ABOUT THE PRESENTER – Bill Elliott, Young & Associates, Inc.
Bill Elliott has over 30 years of banking experience. As a compliance consultant and manager of the compliance division with Young & Associates, Inc., Bill works on a variety of compliance-related issues, including leading compliance seminars, conducting compliance reviews, conducting in-house training, and writing compliance articles and training materials.

Bill’s career includes 15 years as a compliance officer and CRA officer in a large community bank, as well as working at a large regional bank. He has experience with consumer, commercial, and mortgage loans, and has managed a variety of bank departments, including loan review, consumer/commercial loan processing, mortgage loan processing, loan administration, credit administration, collections, and commercial loan workout.

PLEASE NOTE: Your registration fee allows you to have one telephone connection. However, as many people as you like may listen from your office speaker phone. If you register for the webinar, your registration fee also includes one internet connection from a single computer terminal.

THREE REGISTRATION OPTIONS
1. LIVE WEBINAR
The LIVE WEBINAR option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that will allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, pin number, and handouts will be emailed to you prior to the broadcast. You will need the most current version of Adobe Reader available free at www.adobe.com.

2. ON-DEMAND WEB LINK** AND FREE CD ROM*
Can't attend the live webinar? The ON-DEMAND WEB LINK** is a recording of the live event including audio, visuals, and handouts. We even provide the presenter's email address so you may ask follow-up questions. Approximately 1 week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days AFTER the webinar and will expire 6 months after the live program date. But there's more . . . AS AN ADDED BONUS, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK** (INCLUDES FREE CD-ROM*) Includes options 1 and 2 above
*CD Rom for PC use only
**All materials are subject to copyright and intended for your credit union's use only.

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

INVESTMENT:
$199.00 Webinar per connection
$199.00 Archived On-Demand Web Link & Free CD ROM
$249.00 Both Live Webinar & Archived On-Demand Web Link & Free CD ROM

TIME: 3:00 p.m. - 4:30 p.m.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> NCUA Office of Small Credit Union Initiatives Credit Union Workshop - NYC

Sat, 19 May 2012 11:45:00 GMT

NCUA Office of Small Credit Union Initiatives Credit Union Workshop - NYC

Time: 7:45 AM - 4:00 PM

Radisson Martinique on Broadway
(212) 736-3800
49 West 22nd Street
New York, New York 10001

Registration:

Click here to register online.

Phone: 703-518-6610

Email: Email NCUA Here

Workshop Agenda

7:45 am - 8:15 am Registration and Continental Breakfast

8:15 am - 8:30 am Opening Session

8:30 am - 9:00 am Issues Facing Credit Unions

9:00 am - 9:30 am NCUA - What is OSCUI and what we can do for you?

9:30 am - 9:45 am Break

9:45 am - 10:45 am Examination Issues

10:45 am - 12:15 pm Fraud Detections

12:15 pm - 1:30 pm Lunch with Outreach Panel

1:30 pm - 4:00 pm ALM - Discovering Product Costs and Profitability in your credit union (breakout session)

1:30 pm - 4:00 pm Duties of FCU Board of Directors - Part 2 NCUA Rules and Regulations 701.4 (breakout session)

Certificates of Attendance will be given out

> NJCUL's 24th Annual Golf Tournament

Tue, 22 May 2012 12:00:00 GMT

The New Jersey Credit Union League's 24th Annual Golf Tournament will be held at the beautiful Forsgate Country Club in Jamesburg, N.J. on Tuesday, May 22, 2012.

Join us for a fun filled day, which includes a continental breakfast, a day on the greens, lunch, and a cocktail hour/awards ceremony. The tournament will benefit NJCUL’s public policy initiatives.

Due to your strong support, golfers this year will be playing on both of Forsgate’s outstanding golf courses: the legendary Banks course, renowned for its deep bunkers and lush greens, and the scenic Palmer course, renowned for its challenging water hazards. This will ensure fast play and a great experience for all of our golfers.

New This Year: Those golfing in the tournament will be competing for the President’s Cup! Beginning this year, the team with the best score will receive a beautiful President’s Cup trophy. It’s a traveling trophy, and each year it will be passed along to the new winning team. Wouldn’t you like bragging rights for a year?

There will also be chances to win great high-end door prizes.

Registration Materials Are Below:

Golfer Registration Materials

Sponsor Registration Materials

Please mail registration materials to 299 East Ward St., Hightstown, N.J. 08520 Attn: Golf Tournament

> Webinar: Member Credit Report Disputes: Completing ACDVs, AUDs & Correcting Joint Members’ Credit

Tue, 22 May 2012 19:00:00 GMT

When was the last time you really considered the importance of a credit report? How about the risks? Access to reasonably-priced credit is an essential element in every member’s economic life and no factor is more important than their credit score. But what happens if there is a mistake in the score and it’s your credit union’s fault? There has been an alarming increase in consumer-related litigation against credit unions involving credit reporting.

The Fair Credit Reporting Act and FACT Act apply to every credit union that reports member information to a credit reporting agency and the fines for improper reporting can be substantial! Throw privacy and bankruptcy into the mix and you have some real liabilities to address. The worst thing you can do is nothing! Is your credit union in compliance?

HIGHLIGHTS

Quality assurance requirements
Mastering e-Oscar
Direct disputes and your credit union
How much investigation is enough?
Bankruptcy and credit reporting
Common credit-reporting errors

WHO SHOULD ATTEND?
This informative session will be beneficial for lending staff and executives, risk managers, collection staff, compliance personnel, IT employees, and internal auditors.

ABOUT THE PRESENTER – David A. Reed, JD, Reed and Jolly, PLLC
Attorney, author, consultant, and nationally-recognized speaker, David Reed is a partner in the law firm of Reed and Jolly, PLLC. He provides guidance to credit unions on establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters, and corporate governance. His engaging speaking style has made him a nationwide lecturer on regulatory compliance, consumer lending, bankruptcy, and collections.

A former trial attorney and vice president and general counsel of a large credit union, David is particularly known as an expert in the areas of credit union operations, bankruptcy, and collections. He has trained state and federal examination staff on numerous issues, including BSA, ID theft red flags, SAFE Act, third-party contract management, and bankruptcy. He also serves as editor of several industry manuals including Collections Manual for Credit Unions and Bankruptcy Guide for Credit Unions.

> Quick Bite: Coaching to Gen Y

Wed, 23 May 2012 15:00:00 GMT

This session will begin with coaching techniques in general and then will move onto specifics about coaching to Gen Y.

Topics to be covered include the following:

KIMBA Principle: Knowledge, Inhibitors, Motivation, Boundaries & Abilities
Knowing what motivates your employee – which may be different than what motivates you.
Everything in work is optional – employees don’t have to do anything, but everything they do and don’t do has repercussions.
Understanding the three levels of performers (high, middle, low)
ABCs of coaching
Gen Y needs instant gratification – iPod generation.

Speaker: Michael Patterson is a speaker, trainer, author, and career coach with over twenty years banking experience. He began his own career right out of high school as a teller, and advanced to AVP of Branch Operations for a $1 billion bank. His career lead him to training in April 2000, and he is now currently responsible for the training and development for a 300 employee credit union in southeastern Pennsylvania.

Location: Via Telephone

Time: 11:00 am - 12:00 pm EST

Educational Investment: $109.00 per telephone connection. Unlimited Listeners and Free Audio Archive

****You must be registered for this session to hear the audio-recorded version and receive handouts.****

AUDIO ARCHIVE! Can't tune in today? This session will be available on-line for 30 days after activation.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: Regulatory Compliance for Lenders

Wed, 23 May 2012 19:00:00 GMT

Are your loan officers drowning in memos and information about new or revised compliance regulations? Do you know which regulations require annual training? BSA is an annually-required training topic. What should lenders understand about money laundering? What are the most-recent “hot topics” with regulators? They can range from Fair Lending issues of signature requirements to approval ratios for a “protected” class. What changes will Dodd-Frank continue to roll out in 2012? This session will identify the regulations that lenders must follow and outline some specific disclosure and timing requirements. It will cover everything from Regulation B to Z and provide a framework of the applicable requirements. Lenders will also receive an easy reference guide to help them work smarter, not harder.

HIGHLIGHTS

BSA annual training requirements for CIP in the lending area and due diligence for detecting potential money laundering activity
Fair lending “best practices” to mitigate the risk factors in underwriting, pricing, and steering
Reg B requirements for the life of the loan
Common errors in disclosing real estate secured loans
Red Flags for ID Theft and annual training requirement for FCRA (Fair Credit Reporting Act)

IMPORTANT TOOLS PROVIDED
This training will include the following items so that you are able to provide solid documentation for examiners:

Letter of attendance certification with webinar outline
Electronic training log
Quiz you can administer to measure staff learning and a password-protected answer key

All registrants will receive the attendance certification and training log, regardless of whether they attend the live or archived version.

WHO SHOULD ATTEND?
This informative session is designed for auditors, loan officers, loan assistants, and loan administration staff. This seminar is designed for both those new to lending regulations or more experienced personnel looking for a review of existing requirements.

ABOUT THE PRESENTER – Susan Costonis, Compliance Consulting and Training for FIs

Susan Costonis is a compliance consultant and trainer who is also affiliated with gettechnical inc as an associate trainer. She specializes in compliance management along with deposit and lending regulatory training. Most of her 32-year career was spent as a banker in several areas including lending, marketing, electronic banking, compliance, community reinvestment, and senior management.

Susan has written numerous training manuals and successfully managed compliance programs and exams for institutions supervised by the OCC, FDIC, and Federal Reserve. She is a Certified Regulatory Compliance Manager, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states.

THREE REGISTRATION OPTIONS
1. LIVE WEBINAR
The LIVE WEBINAR option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that will allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, pin number, and handouts will be emailed to you prior to the broadcast. You will need the most current version of Adobe Reader available free at www.adobe.com.

2. ON-DEMAND WEB LINK** AND FREE CD ROM*
Can't attend the live webinar? The ON-DEMAND WEB LINK** is a recording of the live event including audio, visuals, and handouts. We even provide the presenter's email address so you may ask follow-up questions. Approximately 1 week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days AFTER the webinar and will expire 6 months after the live program date. But there's more . . . AS AN ADDED BONUS, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK** (INCLUDES FREE CD-ROM*) Includes options 1 and 2 above
*CD Rom for PC use only
**All materials are subject to copyright and intended for your credit union's use only.

> Free MemberClose Webinar

Thu, 24 May 2012 14:00:00 GMT

MemberClose provides a web-based, bundled settlement solution that will save your credit union time it takes and the money it costs to process all types of home equity loans.

With over 170 participating credit unions, 20 New Jersey, MemberClose serves credit unions ranging in assets from $10 million to over $1 billion in assets.

Alice Stevens, COO, First Financial FCU, Wall Twp, NJ says this about MemberClose “By using MemberClose we have dramatically decreased our turnaround time and our processing cost for all of our equity loans.”

MemberClose employs a single-point dashboard which aggregates nationally recognized vendors and service providers into one easy-to-use solution. With 1 user name & password, your credit union can securely order Credit Reports, Flood Certifications, Automated Valuation Models, Gap and Full Appraisals, Property Reports, Title Insurance, Compliant Loan Documents, Legal & Vesting Reports Closing Services, e-Recording Services, and more.

The most recent addition to Member Close is a Loan Guarantee Program that will allow your credit union to lend up to 100% Loan-to-Value with no additional risk.

No sign up fees or monthly minimums. MemberClose is a 100% transaction based program, so you only pay for what you use.

Watch us process a loan during the webinar. Those interested will receive our complete due diligence package including a list of credit union references.

May 24, 2012 / 10am – 11am

Online access to the webinar: https://www1.gotomeeting.com/join/478767272

Dial: 1 (510) 201-0302

Access Code: 478-767-272

Audio PIN: Shown after joining the meeting

Meeting ID: 478-767-272

> Free MemberClose Webinar

Thu, 24 May 2012 18:00:00 GMT

MemberClose provides a web-based, bundled settlement solution that will save your credit union time it takes and the money it costs to process all types of home equity loans.

With over 170 participating credit unions, 20 New Jersey, MemberClose serves credit unions ranging in assets from $10 million to over $1 billion in assets.

The most recent addition to Member Close is a Loan Guarantee Program that will allow your credit union to lend up to 100% Loan-to-Value with no additional risk.

No sign up fees or monthly minimums. MemberClose is a 100% transaction based program, so you only pay for what you use.

Watch us process a loan during the webinar. Those interested will receive our complete due diligence package including a list of credit union references.

May 24, 2012 / 2pm – 3pm

Online access to the webinar: https://www1.gotomeeting.com/join/225147353

Dial: 1 (619) 550-0003

Access Code: 225-147-353

Audio PIN: Shown after joining the meeting

Meeting ID: 225-147-353

> Webinar: Holding Your Ground with Examiners & Regulators: The Credit Union Bill of Rights

Wed, 30 May 2012 19:00:00 GMT

This has been a difficult time for credit unions and regulators alike. While credit unions are trying to dig themselves out of the recession, examiners are working hard to ensure that risks are understood and that credit unions are safe and sound. During times like this, there may be moments of disagreement between regulators and credit unions. While it’s in everyone’s best interest to resolve regulator disagreements amicably, it is also important for credit union boards and management teams to understand their rights when dealing with regulators. This session will look at a number of NCUA sources, how those rights have been documented, and provide awareness of credit union rights.

HIGHLIGHTS

The right to know the specific authority or legal basis when examiners dictate that you must do something
Credit union rights when questioning or seeking corrections to examiner findings, conclusions, and directives
What to do if examiners hold you to issues that may be pertinent to the region or the economy as a whole, but aren’t an issue at your credit union
Requesting an understanding of the “risk priority and importance” of findings
Making sense of the appeals process with examiners findings or dictates

WHO SHOULD ATTEND?
This informative session is designed for board members, senior management, and other staff who interact with federal or state regulators.

ABOUT THE PRESENTER – Tim Harrington, CPA, TEAM Resources
Tim Harrington is a Certified Public Accountant who specializes in working with community financial institutions. Since 1996, Tim has been President of TEAM Resources, a firm which provides consulting, strategic planning, and training from coast-to-coast.

A presenter at over 1,000 financial conferences, seminars, and webinars, Tim has provided consulting and training for hundreds of community financial institutions in nearly every state and four countries. Tim advises boards and senior management teams on strategy, profitability, and governance and works with staff on leadership and lending. In addition, he is a faculty member of three financial institution schools and is the author of the popular lending software “Lenders Tax Analyzer” and has taught lending personnel how to obtain monthly income from tax returns since 1992.

> Quick Bite: Reg E / EFTs

Thu, 31 May 2012 15:00:00 GMT

Regulation E is one of the most consumer-friendly regulations out there, and consequently it is one that frustrates compliance people quite frequently. It’s also one the examiners focus on quite often, as well, so your compliance efforts here must be focused and up-to-date. Most institutions run into trouble with the error resolution procedures, so we’ll focus on those parts of the rules, so you can learn from the mistakes of others. We’ll also talk about the (relatively) new overdraft rules that require affirmative consent. Among the topics we’ll discuss:

Definition of an EFT: What’s included, what is not
Disclosure requirements: when, what, and how
Error resolution: timeframes, required actions, and consequences
New overdraft opt-in rules: scope of the requirements and what must be done
Credit union and member responsibilities

Speaker: Carl Pry, JD, is a Certified Regulatory Compliance Manager and Certified Risk Professional who works in Lending Compliance for KeyBank in Cleveland, OH. Prior positions have included Manager in the Finance & Performance Management service line for Accenture and Vice President at Kirchman Regulatory Services.

Location: Via Telephone

Time: 11:00 am - 12:00 pm EST

Educational Investment: $109.00 per telephone connection. Unlimited Listeners and Free Audio Archive

****You must be registered for this session to hear the audio-recorded version and receive handouts.****

AUDIO ARCHIVE! Can't tune in today? This session will be available on-line for 30 days after activation.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Executive Leadership Series: Understanding Interest Rate Risk, Concentration Risk, and More

Tue, 05 Jun 2012 13:00:00 GMT

Understanding Interest Rate Risk, Concentration Risk and NCUA’s Upcoming
Interest Risk Rate Policy Ruling

June 5, 2012
9:00 am - 2:00 pm
Woodbridge Hilton
120 Wood Ave. South
Iselin, N.J. 08830

Our regulatory environment continues to impact all credit unions. The next area of impact from NCUA will be on Interest Rate Risk Policy and Programs. This session will discuss the requirements of this upcoming ruling in addition to the overall changes in the regulatory environment for all financial institutions.

This session will also help to decipher what is helpful, what is not, and what is just political rhetoric including the following:

In 2010, the NCUA issued a letter on interest rate risk management (No. 10-CU-06). This interagency advisory stresses the importance of risk measurement and monitoring systems. A discussion will be held on the requirements and suggested solutions including an examination preparation “check list”.
In 2010, the NCUA issued a letter on concentration risk (No. 10-CU-3). While the letter outlines a thorough approach to assessing and monitoring concentration risk, a credit union can take simple steps to evaluate risk at a high level and to signal the need for a more detailed analysis.
In 2011, the NCUA issued an Advanced Notice of Proposed Ruling on derivatives. Concern appears to be the eventual rise of interest rates and the high amount of long term mortgages held in credit union’s balance sheets. A brief discussion will also be held on how to hedge with term advances.
On September 30, 2012, the Interest Rate Risk Policy and Program ruling will come into effect. Applicable credit unions will need to adopt a written policy on interest rate risk management and a program to effectively implement that policy. This session will discuss the requirements.

This session will also include a roundtable discussion.

Meet the Speaker

Emily Moré Hollis has served as a principal of ALM First Financial Advisors since the company was established in 1995. Under her leadership, the company has steadily grown to a client base of more than 150 financial institutions representing more than $170 billion in assets. In addition to guiding the strategic direction of the company, she manages the operations, and analytics and product development departments.

Ms. Hollis is a well-known figure in the investment community and a renowned expert in asset/liability management as well as in executing and managing risk management programs. She was responsible for implementing one of the first-ever uses of futures hedging and synthetic structures in the credit union community.

Time: 9:00 a.m. to 2 p.m.

Location: Forsgate Country Club, Monroe Township, NJ

How much does it cost?
Pricing for these sessions is tiered based on assets and is as follows*:

Over $100 million $179.00
$25 - $100 million $129.00
$10 - $25 million $ 79.00
Under $10 million $ 39.00

*A 15% discount is available for individuals who have attended a prior ELS session and a 25% discount is available for credit unions that send three or more people. Please refer to the Registration Form for more information. To receive your discount when registering online, please enter the discount code "els15" for the 15% discount and "els25" for the 25% discount when checking out.

To register, e-mail Mary Zelinsky at mzelinsky@njcul.org (be sure to note name of attendee(s), credit union, and cost). Or register online here.

> Quick Bite: Fair Labor Standards Update (FLSA)

Tue, 05 Jun 2012 15:00:00 GMT

From a credit union perspective, nothing seems fair about the Fair Labor Standards Act (“FLSA”). This seminar is designed to inform credit unions about how to navigate in the FLSA requirements for overtime, recording hours worked, compensatory time off, classification of exempt or non-exempt employees, and means to conduct a self-audit.

Speaker: Lynn Esp is Assistant General Counsel for the Illinois Credit Union League. In this capacity, she provides assistance and advice to credit unions and their retained counsel and directs the League's Legal and Technical staff. Formerly an associate with Hinshaw & Culbertson, Lynn has extensive experience and expertise in labor and employment law.

Location: Via Telephone

Time: 11:00 am - 12:00 pm EST

Educational Investment: $109.00 per telephone connection. Unlimited Listeners and Free Audio Archive

****You must be registered for this session to hear the audio-recorded version and receive handouts.****

AUDIO ARCHIVE! Can't tune in today? This session will be available on-line for 30 days after activation.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: Implementing the Final NCUA Rule on Interest-Rate Risk: Effective September 30, 2012

Tue, 05 Jun 2012 19:00:00 GMT

New NCUA rules for interest-rate risk (IRR) will become effective September 30, 2012. The purpose of this webinar is to cover the details of the new rules, and more importantly, provide a methodology for implementation. Management and the board of directors will learn the necessary information to oversee all the regulatory requirements for an effective asset liability management (ALM) program. The new regulation, asset/liability theory including measurement, ratios, and normal risk parameters will be addressed. In addition, this session will also explain the practical implementation of these theories in an understandable manner that will improve your interest-rate risk and profitability.

Please Note: The rule applies to all federally-insured credit unions with assets of more than $50 million. Those institutions with assets of between $10 million and $50 million must comply if the total of first mortgage loans they hold, combined with total investments with maturities greater than five years, is greater than 100% of their net worth.

HIGHLIGHTS

Impact of the new rules
Implementation methodology
ALM philosophy
How to effectively measure interest-rate risk
Problems that can result in bad information
Components of an effective policy
Duties of ALCO
Establishment of realistic risk parameters
Importance of IRR validation – auditing the process

WHO SHOULD ATTEND?
This program is best suited for senior management and members of the board of directors.

ABOUT THE PRESENTER – Gary J. Young, Young & Associates, Inc.
Gary J. Young is Chief Executive Officer of Young & Associates, Inc. During 33 years in consulting and 44 years in the industry, he has assisted hundreds of financial institutions from coast-to-coast with improving shareholder value and profit, establishing effective strategic plans, management assessments, regulatory concerns, budgeting, asset/liability management, expansion planning, and mergers and acquisitions.

Gary is a popular speaker due to his practical and valuable insight and has conducted seminars throughout the United States and in Europe. Gary is on the board of a community bank, manages a bank investment fund, and is a co-founder of Capital Market Securities, Inc., which assists with mergers and acquisitions.

THREE REGISTRATION OPTIONS

Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

1. LIVE WEBINAR

The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

2. ON-DEMAND WEB LINK AND FREE CD ROM*

Can’t attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.

As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this “off-the-shelf” training program for those that could not attend the live seminar and for future training.

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

INVESTMENT:
$199.00 Webinar per connection
$199.00 Archived On-Demand Web Link & Free CD ROM
$249.00 Both Live Webinar & Archived On-Demand Web Link & Free CD ROM

TIME: 3:00 p.m. - 4:30 p.m.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Northern Chapter Meeting

Tue, 05 Jun 2012 22:30:00 GMT

More information coming soon!

> Webinar: Dormant Accounts & Unclaimed Property: The Legal Perspective

Wed, 06 Jun 2012 19:00:00 GMT

Dormant accounts and unclaimed property pose unique, and often complicated, problems for credit unions. Credit unions’ procedures and practices regarding dormant accounts and unclaimed property in safe deposit boxes have come under attack by both consumers and state agencies that receive unclaimed property.

This webinar will explain the Uniform Unclaimed Property Act and its concepts. In addition, you will receive contact information for the unclaimed property administrators in every state. Since escheat laws vary, state-specific escheat laws will not be covered. However, you will be able to find your state-specific escheat laws by using the contact information in the handout.

HIGHLIGHTS

When is an account considered dormant?
What fees can be imposed on dormant accounts?
What are a credit union’s responsibilities under the Uniform Unclaimed Property Act?
How should safe deposit boxes be handled?
Does your credit union’s deposit share agreement or safe deposit agreement impose additional responsibilities?
Contact information for each state’s unclaimed property administrators

WHO SHOULD ATTEND?
This informative session is designed to assist your credit union with properly handling dormant accounts and unclaimed property. Any personnel involved in deposit accounts and safe deposit boxes will benefit from this session.

ABOUT THE PRESENTER – Elizabeth Fast, JD & CPA, Spencer Fane Britt & Browne LLP
Elizabeth Fast, Esq. is a partner with Spencer Fane Britt & Browne LLP where she specializes in the representation of financial institutions. Elizabeth is the head of the firm’s training division. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions. She is a member of the Missouri State Banking Board by appointment of the Governor.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> TeleCourse: Teller Skills

Thu, 07 Jun 2012 15:00:00 GMT

This program focuses on the key, essential skills and behaviors a teller must master in order to achieve excellence. The session will explore what a teller must do to develop and maintain an enviable reputation with both the member and staff at the credit union. Emphasis is placed on what to do and what not to do. Participants will learn and be reminded about topics such as dress code, dependability & member service, plus critical steps to balancing, being accurate, following procedure and adhering to policies.

Speaker: Steve Janiszewski is the President of C&S Training Services, located in Elmhurst, IL. Steve holds a degree in Business and a degree in Education and has more than 25 years of management experience in the financial community.

Location: Via Telephone

Time: 11:00 am - 1:00 pm EST

Educational Investment: $159.00 per telephone connection. Unlimited Listeners and Free Audio Archive

****You must be registered for this session to hear the audio-recorded version and receive handouts.****

AUDIO ARCHIVE! Can't tune in today? This session will be available on-line for 30 days after activation.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: Writing Your BSA Policy

Thu, 07 Jun 2012 19:00:00 GMT

Is it time to overhaul your BSA policy? If your policy resembles a patchwork, it may be time to write a new, more comprehensive version. Information from the BSA exam manual will be used to form the new policy language. This program will provide checklists and a sample policy. You can revamp and update your policy with this easy system and identify the gaps before the examiners do. In addition, this webinar will cover the four pillars of the BSA exam and how they must be addressed in your policy.

HIGHLIGHTS

Using risk assessment as a launching pad for the policy
Learn what needs to be in your BSA Policy
What four pillars can cause trouble on your BSA Exam?
Checklists for each core section of the policy
Using your old policy and the exam manual to update and make your policy more comprehensive
Combining OFAC and BSA logically
Working with your Board to change and simplify the policy and procedures

WHO SHOULD ATTEND?
This informative session will be useful for BSA officers, coordinators, and support staff. Compliance officers, policy writers, and others involved in the management of the AML/BSA program will also benefit.

Debbie specializes in the education of financial institution employees and officers in the area of deposit account laws, new account documentation, insurance, complex compliance regulations, and IRAs.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> South-Central Chapter Meeting: IRR Regulation

Tue, 12 Jun 2012 12:00:00 GMT

Date: Wednesday, June 12, 2012

Time: 8:00 a.m. - BREAKFAST

Cost: No Cost - BE A GUEST OF THE CHAPTER

Topic: IRR Regulation

Speaker: Jim Matthews, Alloya Corporate

Location:

Holiday Inn of East Windsor
399 Monmouth Street
East Windsor, NJ 08520
609-443-8000

Click here for the full brochure and registration form.

Register by:

Mail:
Pam Elliott
Lakehurst Naval FCU
Bldg. 60
Lakehurst, NJ 08733

Email: Pam Elliott - lnfcumgr1@verizon.net

Phone: Pam Elliott - (732) 267-2902

Registration deadline is June 5, 2012.

South-Central Chapter Officials:

President – Gary Chizmadia, Board Director, Credit Union of New Jersey
Vice President – Paul Bertuccini, Board Director, Credit Union of New Jersey
Secretary – Pam Elliott, Board Chairman, Lakehurst Naval FCU
Treasurer – Nelson Graf, Director of Accounting, ABCO FCU

Counties:

Burlington County
Mercer County
Monmouth County
Ocean County

For more information on the new chapter system, visit www.njcul.org/chapters.aspx.

> Quick Bite: Kid’s Stuff – Minor Accounts

Tue, 12 Jun 2012 15:00:00 GMT

This session will be focusing on some of the issues related to minors’ accounts. Know what policies you have in place at your credit union regarding these accounts, and then listen in on this one-hour telephone session that includes the following topics:

Kids and account agreements
Credit Union policies
Account options offered
Signature issues

Speaker: Carol Bertoux is Associate General Counsel for the Illinois Credit Union League. In this position she assists the general counsel and chief operating officer of the League in general matters on behalf of the League and it’s affiliates. She also analyzes state and federal laws, rules and regulations that affect credit unions, and provides assistance and advice to credit unions and their retained counsel.

Location: Via Telephone

Time: 11:00 am - 12:00 pm EST

Educational Investment: $109.00 per telephone connection. Unlimited Listeners and Free Audio Archive

****You must be registered for this session to hear the audio-recorded version and receive handouts.****

AUDIO ARCHIVE! Can't tune in today? This session will be available on-line for 30 days after activation.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: Call Reports: What to Look For, Entering Information & Why It's Important

Tue, 12 Jun 2012 19:00:00 GMT

The NCUA 5300 Call Report contains quarterly financial information for each credit union. This required report includes financial and general information used by regulators, credit union management, supervisory/audit committees, staff, and others to ascertain the financial health and stability of a credit union.

This webinar will tackle the challenges you may experience when completing this form. It will help you increase your understanding of the process, accurately update critical information, avoid common – yet costly – mistakes, recognize trends, and completely update the report.

HIGHLIGHTS

Critical areas to review for completeness and precision
Enhance accuracy of the data entered in your call report
Determine correct separation of duties to improve accuracy
Supporting documentation maintenance to assist outside parties
Monitor new requirements, trends, and proposed regulations

WHO SHOULD ATTEND?
This informative session is designed for CEOs, CFOs, call report preparers, internal auditors, lending managers, and supervisory/audit committee members.

ABOUT THE PRESENTER – Stephen J.M. Schiltz, CPA, CliftonLarsonAllen LLP
Stephen Schiltz is an assurance senior manager at CliftonLarsonAllen’s Phoenix office. He began his career with Clifton Gunderson in 2002 and has extensive experience providing assurance services to credit unions and credit union service organizations. Steve has made presentations to credit union management teams, supervisory committees, and boards of directors, as well as national speaking engagements and webinars.

A licensed CPA in Arizona and Texas, Steve is a member of the AICPA, Arizona Society of CPA’s, the Risk Management Association – Arizona Chapter and the Beta Gamma Sigma Honor Society. He received his bachelor’s in accounting, cum laude, from the University of Arizona in Tucson.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> N.J. Credit Union Breakfast with CUNA Mutual Group's Jeff Post

Wed, 13 Jun 2012 12:45:00 GMT

CUNA Mutual Group's Jeff Post to Address New Jersey Credit Unions

On Wednesday, June 13, 2012, CUNA Mutual Group President/CEO Jeff Post will address New Jersey credit union leaders at Forsgate Country Club.

Location:
Forsgate County Club
375 Forsgate Drive
Jamesburg, NJ 08831

Time: 8:45 a.m. to 11:00 a.m. (Breakfast will be served.)

Cost: $25 per person

Deadline to register is June 11, 2012.

Registration:

By check: To register and pay by check, email Mary Zelinsky at mzelinsky@njcul.org and your credit union will be invoiced.

Online: To register and pay online, click here.

You may contact Mary Zelinsky at 800-792-8861 ext. 100 with any questions.

> Webinar: Denied Loan Requirements: Consumer, Commercial & Residential

Wed, 13 Jun 2012 19:00:00 GMT

Loan denials are receiving increased scrutiny during recent examinations to ensure that adverse action notices are complete and accurate, documentation is impeccable, and there are no fair lending concerns/violations. How will your procedures fare under intensified examination? This session will address the technical requirements of denials for consumer, residential, and commercial loans.

Accurate completion of adverse action notices is important for several reasons:

Their accuracy and timeliness are reviewed during compliance exams
Adverse action notices are the cornerstone of fair lending examinations
Inconsistent, inaccurate notices could result in the credit union being required to go back six months, review past notices, and resend accurate denial notices. (Imagine the reaction of a past, unsuccessful borrower who receives a reminder denial notice!)

This webinar will provide examples of examiner findings to illustrate what is covered during exams and show you how to include denials in the sample for your internal comparative file review for fair lending compliance.

HIGHLIGHTS

Timing requirements of Regulation B for denials
Inquiry versus Application (when an inquiry becomes an application)
Special considerations for commercial denials
FACT Act requirements for denial notices
Common errors in completing adverse action notices
Requirements for incomplete and withdrawn applications
How to appropriately document withdrawn applications
Handling counteroffers
Second reviews of adverse action notices for fair lending purposes
Comparative file review for fair lending on denials

WHO SHOULD ATTEND?
This informative session is necessary for all loan officers, loan processors responsible for denials, compliance officers, and auditors.

ABOUT THE PRESENTER – Ann Brode, Brode Consulting Services, Inc.
Ann Brode began her career in 1973 and has continued her service as a consultant to regional and community financial institutions through a wide range of areas including strategic planning, lending, deposits, marketing, training, compliance, and management. Ann is a well-respected presenter and has spoken to audiences across the country for over 25 years. She has presented sessions for numerous state associations and has taught at the School of Banking Administration at the University of Wisconsin as well as many other state banking schools. Ann is the author of The Bank Deposit Documentation Manual for Front-Line Personnel, published by Bankers Publishing Company, and is well represented in numerous industry publications.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> Mini Session: Advanced Decedent Accounts: The Predictable, the Unusual, and More

Tue, 19 Jun 2012 14:00:00 GMT

Overview: This seminar will begin with a review of the basics of handling various types of accounts and ownership after the death of the member, including special rules that apply in N.J. The class will then go beyond the usual circumstances to include more complicated scenarios that often come up. Attendees are asked to email, in advance, specific scenarios they may have encountered that they would like discussed during the session.

Topics and Objectives:

What are the responsibilities of the decedent’s survivors and what are the responsibilities of the credit union when it learns of a member’s death;
Review the various types of accounts and who owns them after the death of a member.
Special NJ rules with regard to the release of funds to the survivors.
Why credit union records, such as signature cards, are still important even though they may have been signed decades ago.
What to do if the member was residing out of state when the death occurred.
How to properly deal with a power of attorney. Many people give family members the right to deal with their accounts. Find out how to properly handle this sensitive area.
Specific situations that YOU the attendee would like covered.

Stephen Edwards Drew Edwards

Speakers: Stephen Edwards and Drew Edwards, of the law firm of Edwards & Edwards have been representing the NJ Credit Union League and various credit unions in NJ since 1976. They have lectured on numerous regulatory and operational matters and attempt to provide their audience with a practical, common sense approach to the credit union business, not one that is theoretical or legalistic. Steve is a graduate of Lehigh University and attended law school at the College of William & Mary. Drew is a graduate of New York University and attended Columbia Law School.

Locations: NJ Credit Union League "live" and via Video Conferencing at Atlantic FCU and Members 1st of NJ FCU.

NJCUL Atlantic FCU Members 1st of NJ FCU
299 Ward Street 37 Market Street 37 West Landis Avenue
Hightstown, NJ 08520 Kenilworth, NJ 07033 Vineland, NJ 08360

Schedule: 10:00 am – 2:00 pm, lunch will be provided.

Tuition:
$100 Million & Above $179.00
$25-100 Million $129.00
$10-25 Million $ 79.00
Under $10 Million $ 39.00

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To purchase and register online, click here.

> Quick Bite: Reg Z Update

Wed, 20 Jun 2012 15:00:00 GMT

This session will introduce what Regulation Z is, its background and what it covers in your credit union. Reg Z has recently expanded with many new proposed rules. We will review the new rules to address which ones are final vs. proposed.

Final Rules:

Mortgage Transfer Disclosure
Appraisal Coercion
Loan Originator Compensation/Steering
Prompt crediting of mortgage loan payments and rules on pay off statements
HPML and Jumbo Loans
Exemption Threshold Increase
Credit Card Act Clarifications

Proposed Rules:

Ability to Repay
Escrow Disclosures

Future Rules under Dodd Frank:

Changes to HOEPA Rules
Periodic statements for mortgage loans
Other Proposed or Final Rules for 2012

Speaker: Melissa Blaser serves as a Director with the Risk Advisory group of RSM McGladrey’s Great Lakes practice specializing in regulatory compliance and internal audit. She has almost 20 years of experience in regulatory compliance, internal audit and public accounting for the financial services industry within the private sector and within a public accounting/ consulting firm.

Location: Via Telephone

Time: 11:00 am - 12:00 pm EST

Educational Investment: $109.00 per telephone connection. Unlimited Listeners and Free Audio Archive

****You must be registered for this session to hear the audio-recorded version and receive handouts.****

AUDIO ARCHIVE! Can't tune in today? This session will be available on-line for 30 days after activation.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> North-Central Chapter Meeting

Wed, 20 Jun 2012 16:00:00 GMT

Identity Theft and Other Financial Crimes

Date: Wednesday, June 20, 2012

Time:
Lunch Buffet/Networking 12:00 p.m.
Meeting 1:30 p.m.

Cost: $25.00 per person

Topic: Identity Theft and Other Financial Crimes

Speaker: Rutgers Police Department

Location:
The Rutgers Club
199 College Ave.
New Brunswick, NJ 08901
732-932-7139

Click here for the full brochure and registration form.

Register by:

Mail:

Mark Malinowski
Raritan Bay FCU
502 Washington Rd.
Parlin, NJ 08859

Phone: Mark Malinowski – (732) 727-3500 x149

Email: mmalinowski@raritanbayfcu.org

Registration deadline is June 13, 2012.

North-Central Chapter Officials

President – Chris Chichester, CEO, Jersey Central FCU
Vice President – Alan Feigenbaum, CEO, Advanced Financial FCU
Secretary – Kelly Weiss, VP of Operations, Community Financial Services FCU
Treasurer – Mark Malinowski, AVP of Accounting, Raritan Bay FCU

Counties
Hunterdon County
Middlesex County
Somerset County
Union County

> Webinar: Leveraging Technology to Improve Efficiency, Profitability & Member Service

Wed, 20 Jun 2012 19:00:00 GMT

Can credit unions cut costs and improve member service at the same time?
Yes, they can. In fact, they must. Learn what you need to know now.

Lingering unemployment and economic uncertainty have solidified demand for simpler, better ways to manage finances and cash flow among consumers and businesses alike. At the same time, credit unions must re-evaluate their operating models in the face of increased regulatory costs, deposit insurance premiums, and fee income compression. Successful credit unions must improve their efficiency while also providing members with the tools and services they need. The question is: which technologies help credit unions do both? Online financial management (OFM) tools for consumers and businesses? Mobile remote deposit? Reloadable prepaid cards and expedited bill payments? And what about underperforming branches? 2012 is the perfect storm of opportunity for credit unions with the foresight and fortitude to act. Join us for an informative and insightful review of the strategies, tactics, and technologies that will help your credit union maximize efficiency, profitability, and member service.

HIGHLIGHTS

Best cost-cutting moves in 2012: increasing self-service, streamlining the branch
5 mobile alerts that can cut service costs in half: pacifying money hawks
How to make the most of the self-service trend: online, mobile, social
Best consumer fee revenue options in 2012
Best commercial fee revenue options in 2012
What the future looks like: convergence of mobile, PFM, and eCommerce

WHO SHOULD ATTEND?
This practical session is designed for credit union officers and staff responsible for leveraging technology to cut costs, generate revenue, and improve member service for both consumers and businesses.

ABOUT THE PRESENTER – Lee Wetherington, AAP, ProfitStars
Lee is Director of Strategic Insight for ProfitStars, a division of Jack Henry & Associates, Inc.®, and provider of best-of-breed solutions that improve the performance of community financial institutions using any core system. Lee directs the development of actionable insight and strategy for the financial services industry. To this end, he develops programs, presentations, and articles designed to orient and educate financial institutions on the trends and implications of new technologies. He delivers keynotes nationwide and serves as the Technology Faculty Chair for several regional banking schools.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

INVESTMENT:
$199.00 Webinar per connection
$199.00 Archived On-Demand Web Link & Free CD ROM
$249.00 Both Live Webinar & Archived On-Demand Web Link & Free CD ROM

TIME: 3:00 p.m. - 4:30 p.m.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: Fundamental Board Duties & Responsibilities, Regulatory Requirements & Liability

Thu, 21 Jun 2012 19:00:00 GMT

Being elected a director of your credit union is an honor, but it is not honorary. You have real responsibilities and real liabilities. This course provides an in-depth look at the obligations of the board, including key federal regulations that impact you. A board member’s duties can seem overwhelming and far reaching, but this webinar will illuminate the fundamental duties of a board and the best ways to discharge them. It will cover functions that boards often become involved in that have little benefit – or cause a negative impact – for the credit union, and how to focus on those issues that will be the most beneficial. You will also learn what very effective boards do to make the most productive use of their time and guide their credit union to become the best for the membership.

HIGHLIGHTS

General duties of a director
Understanding your potential liabilities
The two main functions of a board
What the regulations say about directors and boards

WHO SHOULD ATTEND?
This informative session is designed for new and experienced directors, supervisory committee members, board advisors, CEOs and other senior staff.

ABOUT THE PRESENTER – Tim Harrington, CPA, TEAM Resources
Tim Harrington is a Certified Public Accountant. Since 1992, he has taught lending personnel how to obtain monthly income from tax returns. Since 1996, Tim has been President of TEAM Resources, a firm which provides consulting, strategic planning, and training from coast-to-coast.

As a faculty member of two CUNA schools on finance and tax, Tim has consulted with, and provided training for, hundreds of financial institutions. In addition, he is the author of the popular lending software “Lenders Tax Analyzer.”

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> Compliance Conference: Financial Reform and the Power of Change!

Fri, 22 Jun 2012 12:30:00 GMT

As credit union leaders and compliance professionals, we recognize the continuing pressure to achieve compliance success and to learn from and respond to challenges. We continue to look for ways to work smarter and more effectively and to generate the desired results. This conference will provide more value-added cost-benefit than any seminar of its kind with knowledgeable speakers presenting the latest regulatory and compliance information you need to improve your business.

Friday, June 22, 2012

8:30 am – 3:30 pm

8:15 a.m. Check-in & Continental Breakfast

Holiday Inn of East Windsor
Conference Center
399 Monmouth Street
East Windsor, NJ 08520

Speakers:

Gaye DeCesare, Pres/CEO, NCCO, CUCE, BSACS -- Compass 4 CUs, LLC

Compliance Hot Topics - Highlighting the most current issues and alert you to some issues happening next year.

NCUA and the CFPB - What NCUA has indicated will be their focus this year and talk about how the CFPB’s scope encompasses credit unions.

Ann Davidson, Senior Consultant, Risk Management -- CUNA Mutual Group

Risk, Card Fraud.......Updates on what's been happening and where it is headed!

James Vandenberg, Principal Examiner -- NCUA

2012 Examinations; NCUA’s Focus

Stay tuned for more conference information on speakers and topics. To early-bird register for this event, click here.

> N.J. Credit Union Breakfast with NCUA's Michael Fryzel

Tue, 26 Jun 2012 12:45:00 GMT

NCUA's Michael Fryzel to Address New Jersey Credit Unions

On Tuesday, June 26, 2012, NCUA Board Member Michael Fryzel will address New Jersey credit union leaders at Forsgate Country Club.

Location:
Forsgate County Club
375 Forsgate Drive
Jamesburg, NJ 08831

Time: 8:45 a.m. to 11:00 a.m. (Breakfast will be served.)

Cost: $25 per person

Deadline to register is June 22, 2012.

Registration:

By check: To register and pay by check, email Mary Zelinsky at mzelinsky@njcul.org and your credit union will be invoiced.

Online: To register and pay online, click here.

You may contact Mary Zelinsky at 800-792-8861 ext. 100 with any questions.

> Quick Bite: We Love Loans!

Tue, 26 Jun 2012 15:00:00 GMT

Loans. Loans. Loans. We all need them in this economic environment and becoming top of mind for borrowers is critical to our success. Join Julie as she discusses creative campaigns, product mix, and ways to effectively get your message heard in this crowded market. Creating buzz, educating, and utilizing marketing channels including business development, social media, front line staff, and overall campaigns will be discussed. Attend this session and leave with a renewed enthusiasm to enhance your lending efforts.

Speaker: Julie Ferguson is the owner of JRF Consulting Services, LLC and has been in the credit union movement for over 18 years. Sixteen years of her career were spent at First Tech Federal Credit Union. Her career began as a part-time Teller and took her on a journey that made stops as a Loan Officer, Branch Manager, Director of Operations, and Business Development Director. While at First Tech she developed strong relationships with SEG’s such as Microsoft, Amazon.com and Google. When First Tech became Microsoft’s credit union she and her staff grew the relationship from 0 – 15,000 members in 7 years.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: How to Talk to Members: Handling Difficult Members & Situations

Wed, 27 Jun 2012 19:00:00 GMT

We all know and have heard that members are the lifeblood of the credit union and frontline staff and call center personnel are the true face of the credit union. However, in the day-to-day, we sometimes forget how our surroundings affect the person entering our lobby and how staff interactions with members determine whether your credit union flourishes or fails.

In this webinar, staff/member interpersonal communications that can result in compliments, conflicts, or account closings will be analyzed. Real-life examples of staff in normal business encounters that exploded into difficult situations will be examined. Many of the reasons for member/staff confrontations are easily identified: the language used may be combative, unfriendly or condescending. The member may misinterpret the message or be angry over a situation beyond their control. This webinar will provide staff with skills and techniques to handle even the most difficult situations.

HIGHLIGHTS

Know the only times you should say, “No!”
Understand how your language, demeanor and people’s perception of you impact your message
Learn how to remain calm and why this is crucial
Know when humor is not appropriate

WHO SHOULD ATTEND?
This informative session is designed for frontline staff, branch managers, call center personnel, security staff, and anyone with daily member contact.

ABOUT THE PRESENTER – Barry Thompson, CRCM, Thompson Consulting Group, LLC
Barry Thompson is an international speaker, trainer, consultant, and writer. He is a security and compliance “guru” for a leading national training organization and regularly presents security conferences for trade groups.

Barry is recognized worldwide, presenting in Brussels, Belgium to European bankers on internal fraud; at the United Nations on identity theft for the United Nations Credit Union; and to Japanese bankers on bank security. Barry has worked in the financial services industry for over three decades, and has held the positions of security officer, compliance officer, treasurer, senior vice president, and executive vice president. He has handled over 900 security cases and has been involved with investigations and prosecutions at the federal, state, and local levels.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

INVESTMENT:
$199.00 Webinar per connection
$199.00 Archived On-Demand Web Link & Free CD ROM
$249.00 Both Live Webinar & Archived On-Demand Web Link & Free CD ROM

TIME: 3:00 p.m. - 4:30 p.m.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> TeleCourse: Negotiating Skills to Capture Higher Rates & Fees

Thu, 28 Jun 2012 15:00:00 GMT

Most Americans-and that includes Credit Union employees-don’t like to negotiate. They would rather be the “hero” to their member by getting the lowest cost. Five years ago that was affordable but today the situation calls for a different approach for financial institutions. Industry changes make it more imperative to get higher fees from as many services as possible. This workshop shows how to create win-win results for the Credit Union and member; how to manage face-to-face meetings in which the Credit Union representative keeps the upper hand. It will address how to use proven negotiating tactics to uncover true customer needs.

Touch points will include:

The critical strategic discovery questions
Managing face-to-face negotiations for more profit
Negotiating ploys and counter tactics
Success tips for Win-Win negotiations

Speaker: Rick Wemmers is an entertaining, high-quality content speaker and proven expert on business and employee development success techniques. Over the past 29 years, he has counseled numerous financial institutions of all sizes across America on solving unique growth and people development challenges. He also has similar experiences with companies in 50 different industries, from Fortune 100 to small startups.

He was elected one of the youngest vice presidents of the world’s largest marketing company and was awarded the internationally recognized Effie Award, which is given in recognition of outstanding marketing success.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: Accounting & Audit Reports to the Board

Thu, 28 Jun 2012 19:00:00 GMT

This proactive webinar will teach credit union staff how to better report accounting results to the board and senior management. It will include key numbers and ratios to monitor, a guide to priority board reports, specialized focus on earnings, pending new lease-accounting changes, and fair-value accounting.

In addition, this webinar will emphasize the audit function, including a brief review of the audit report, the management letter, the role of the audit and compliance committee, and training audit committee members.

HIGHLIGHTS

Reporting operational accounting results
Key numbers, ratios, and priority board reports
Pending new lease-accounting changes and fair-value accounting
The audit function including the audit report and management letter
Training audit committee members

WHO SHOULD ATTEND?
This informative session is designed for all staff that deal with accounting and audits, including board members, senior managers, CFOs, controllers, accounting/audit managers, and branch managers.

ABOUT THE PRESENTER – David L. Osburn, MBA, Osburn & Associates, LLCbr /> David Osburn is the founder and managing member of Osburn & Associates LLC, a Las Vegas-based business training and contract CFO firm that provides seminars for trade groups including financial institutions, CPAs, attorneys, credit managers, contractors, and business owners. He also serves as a contract CFO for “green energy” firms, construction companies, and medical practitioners.

David’s background encompasses over 27 years in banking, finance, and marketing. He is an Adjunct Professor for Regis University, an accredited MBA program, and the College of Southern Nevada, and has taught college courses for over 26 years covering finance, accounting, economics, marketing, banking, business law, and management. David earned an MBA in Finance/Marketing from Utah State University and a BS in Finance from Brigham Young University. He is also a graduate of the University of Oklahoma National Commercial Lending School.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> CU Day at Lakewood Blue Claws

Sun, 01 Jul 2012 17:00:00 GMT

Save the date! More details coming soon!

> Quick Bite: Generational Differences: Effectively Working Together

Mon, 02 Jul 2012 15:00:00 GMT

Matures. Boomers. Gen X. Gen Y. Or are they called Millennials? Why is Gen X called “X”?

Why don’t Boomers realize there’s more to life than work? And why don’t Millennials realize that their 5:00 yoga class does not take precedence over a client deadline? What happened to “paying your dues”? Why doesn’t my supervisor praise me and appreciate me for all the great things I do every day?

These questions are being asked and grumbled about in every office everywhere in the country. Any time two or more generations work side by side, there are going to be potential differences in the approach to work and collaboration. But never have the differences between these generations been so profoundly marked as they are now. Why? And more importantly, how do you learn to work with someone who has such a different approach to work, not to mention his or her values and priorities?

This presentation will focus on key generational differences and how you can work effectively with someone much older or younger than you – and enjoy it!

KEY POINTS:

Participants will learn key facts about the 4 generations in today’s workplace and the experiences that have shaped and defined them in meaningful ways.

Specific examples will be provided on how different generations can come together to better serve your credit union, both internally (employees) and externally (with members.)

Speaker: Kelly McDonald is a recognized expert on diversity marketing and business trends. She was named #1 on the list of “26 Hot Speakers” by Successful Meetings magazine. Kelly is the author of How to Market to People Not Like You and has been featured on CNBC, in BusinessWeek, on CNNMoney.com and on Sirius/XM Radio. Her company, McDonald Marketing, has twice been named one of the top advertising agencies in the U.S. by Advertising Age magazine.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Quick Bite: Direct Lending – Seven Must Haves

Tue, 10 Jul 2012 15:00:00 GMT

We have put some much emphasis on indirect lending and searching out vendor partners to help us get loans. We need to stop and do what we as credit unions do best. Lend money to our members. If you are going to be good at this and build a strong and vibrant portfolio that can grow at the pace of an indirect portfolio you are going to have to implement the 7 must have's for your direct lending volume to flourish. This session will go over detail on the 7 items and help you learn how you can implement them at your credit union.

Speaker: Pierre Cardenas has 26 years in the financial industry at both credit unions and banks. He has held executive level positions in organizations from $140 million to over a billion in assets. Pierre started his own business “Innovators of Change” in 2008 while serving as the Senior VP of Retail at a $540 Mill CU. In 2010 Pierre joined forces with Credit Union Lending Advice (CULA) a credit union consulting organization.

Location: Via Telephone

Time: 11:00 am - 12:00 pm EST

Educational Investment: $109.00 per telephone connection. Unlimited Listeners and Free Audio Archive

****You must be registered for this session to hear the audio-recorded version and receive handouts.****

AUDIO ARCHIVE! Can't tune in today? This session will be available on-line for 30 days after activation.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: Wire Transfer Compliance

Tue, 10 Jul 2012 19:00:00 GMT

Wire transfer is one of your credit union’s most-susceptible areas in terms of fraud, money laundering, and other unlawful activities. Therefore, it is not surprising that there are so many laws addressing wire transfer liability, security, and monitoring. Regardless of your credit union’s size, you are required to comply with wire transfer regulations.

This webinar will provide an overview of those requirements and practical suggestions for those responsible for this arduous task. As an added benefit, the webinar handouts will include sample forms to help capture required information; sample computer spreadsheets to help with recordkeeping, monitoring, and data retrieval; a sample risk assessment; and an audit questionnaire to help assess whether all requirements are being met.

HIGHLIGHTS

Wire transfer safety and soundness issues
Regulation J and UCC-4A
Bank Secrecy Act recordkeeping and monitoring
OFAC screening
USA PATRIOT Act 314(a) information sharing
Regulation GG Internet Gambling
New effective November 21, 2011, Fedwire and CHIPS Customer Transfer Plus (CTP)
New effective February 7, 2013, Regulation E remittance transfer rules

WHO SHOULD ATTEND?

This informative session would best suit BSA officers, compliance officers, internal auditors, and employees who handle wire transfers.

ABOUT THE PRESENTER – Rhonda Hudson, Compliance +, Inc.

Rhonda Hudson is president of Compliance+, Inc., an audit and consulting firm that specializes in practical, common-sense solutions to issues associated with compliance, internal controls, and operations.

Years of experience as a banker and consultant have helped her introduce new and innovative methods for resolving client problems, many of which were unique to their operations/ systems/resources. Her solutions and methodologies have been well-received by her clients and their examiners.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> Webinar: Understanding & Navigating the ACH Rules for the ODFI

Wed, 11 Jul 2012 19:00:00 GMT

As an ODFI, your credit union warrants all ACH entries it sends into the network and will be held liable for any breaches of the ACH Rules. How confident are you in understanding your credit union’s responsibilities under the rules? This webinar will be extremely beneficial because it is designed to address two main issues:

Applying the NACHA Operating Rules (ACH Rules) to everyday processing situations
Locating information within the rule book

You will receive an overview of the ACH Rules book layout and review the Articles most critical to an ODFI’s ACH operations, ensuring you understand your credit union’s compliance responsibilities. Don’t forget to bring your 2012 Rule Book.

HIGHLIGHTS

Review the ACH Network governing rules
Who is NACHA?
Your credit union’s responsibilities as an ODFI and how they relate to the Articles in the rules
Quickly locate the answers to questions related to ACH processing

WHO SHOULD ATTEND?

This informative session is designed for ACH operations and audit/compliance staff.

ABOUT THE PRESENTER – Shelly Simpson, AAP, EPCOR

Shelly Simpson, AAP, joined EPCOR following an 11-year career with the Federal Reserve Bank of Kansas City. As EPCOR’s Payments Education Assistant Director, she designs and conducts education programs in support of ACH, cards, and checks to over 2,300 financial institutions and corporate members. Shelly presents at regional and national industry conferences as an ACH payments expert and received her Accredited ACH Professional designation in October 2006. She holds a Bachelor’s degree in Business Education and is an active member on the AAP Blue Ribbon Panel and a NACHA Rules Workgroup.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> NJ DNA Dinner Meeting

Wed, 11 Jul 2012 22:30:00 GMT

More information coming soon!

> TeleCourse: New SEGs, New Members, New Growth

Thu, 12 Jul 2012 15:00:00 GMT

Oh, the days when your single SEG was the moon and the stars, when the HR department would practically gift-wrap new members for you…well, those days are gone. Credit unions have to understand that if they want to grow, they'll have to build and nurture those business relationships. If you don't knock on doors, you won't get new SEGs. If you don't tend to the SEGs you have, you'll lose those, too. Join Deb for a thorough discussion on CU business development, working your SEGs and preparing for real growth.

Speaker: Deb McLean has over 20 years of financial marketing experience in marketing, public relations, product research & design, and business development for both credit unions and banks during her career. McLean is a graduate of the CUES Executive Marketing Institute and has a Degree in Commercial Art & Advertising Design. Before her financial services career she worked in advertising, print production and media design.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: Collection Managers: Managing Expectations & Getting Results

Tue, 17 Jul 2012 19:00:00 GMT

Being a collection manager today is more than “dialing for dollars” and repossessing collateral. The collection department is at the cross roads of member service and back-office operations, and the manager must be aware of all the risks and potential rewards. The collection manager’s job is getting more difficult all the time. They must deal with staff, delinquent members, attorneys, and senior management. Collection encompasses more than the credit union’s delinquency ratio. You need to be prepared! Is your collection department ready to help both members and the credit union weather the storm?

The collections function is more important than ever before! Now is the time to learn from the current economic downturn and fine tune your processes. It is NOT the time to maintain the status quo. Join us to learn lessons from the speaker’s 20+ years of collections and bankruptcy experience, including innovative techniques to foster an effective collection program.

HIGHLIGHTS

Maximizing your bottom line
Identifying liability landmines
Creating effective staff incentives
Working with senior management
Tracking effort and results
Utilizing the entire staff for collections

WHO SHOULD ATTEND?

This informative session is designed for credit union personnel involved with collections, including collection managers, collectors, attorneys, compliance officers, member service representatives, and executives.

ABOUT THE PRESENTER – David A. Reed, JD, Reed and Jolly, PLLC

Attorney, author, consultant, and nationally-recognized speaker, David Reed is a partner in the law firm of Reed and Jolly, PLLC. He provides guidance to credit unions on establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters, and corporate governance. His engaging speaking style has made him a nationwide lecturer on regulatory compliance, consumer lending, bankruptcy, and collections.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> Quick Bite: Due Diligence – Interacting with Your Members

Wed, 18 Jul 2012 15:00:00 GMT

This session will focus on finding the folks that your company owes unclaimed property to and reuniting them so that you don’t have to file as many unclaimed property reports. We will review the statutory and regulatory requirements of the states, what information you should be collecting, how to create an effective due diligence program, creating a due diligence letter and alternative resources for finding property owners when you know that you have bad addresses.

Speaker: Tracey L. Reid, J.D., LL.M., is President of Reid Unclaimed Property Services LLC (RUPS), a national Unclaimed Property consulting company. RUPS has helped businesses of all sizes become compliant with state unclaimed property laws since 2002. Ms. Reid has been assisting businesses across the nation with voluntary compliance negotiations, audit defense and training about unclaimed property compliance requirements for over a decade. Ms. Reid specializes in defending unclaimed property audits and conducting unclaimed property compliance reviews designed to assess exposure, potential savings opportunities and compliance process improvements.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: 10 Lessons Learned on Deceased Accounts

Wed, 18 Jul 2012 19:00:00 GMT

This webinar is one of the most important you will attend in your deposit career!

Your member passed away yesterday and the family is grieving. Yet, in the midst of all the remembering and honoring of a life, the legal and compliance clock is ticking. In most states, checks can be paid for 10 days after the date of death. However, ACH items cannot be paid once we know the member is deceased.

When your deposit member dies, many issues and questions arise. Who can have information on the account? Who owns the account? Who has access to the account? What happens with powers-of-attorney and authorized signers on an account? Can the spouse of the sole proprietor continue to access the account? What about that last tax refund check? Is the account still insured? Can a check be written to a funeral home? What about the checks coming in to pay funeral expenses? Learn about checks, IRAs, deposit ownership, trusts, UTMA, affidavits of heirship, and other complex issues that can occur when a member dies. Join us for 10 lessons you should know before handling a deceased member’s accounts.

HIGHLIGHTS

Probate versus non-probate transfers
When does the will govern and when does the signature card?
What by-passes a will? PODs, IRAs, JTWROS?
Living trusts and successor trustees
When do we know that a member is deceased?
When can we use small estate affidavits?
What happens to powers-of-attorney, authorized signers, etc?
How are IRAs, HSAs, and UTMAs affected?
Do sole proprietorships cease at death?
NCUSIF insurance issues

WHO SHOULD ATTEND?
This informative session is designed for member service representatives, branch administration, branch managers, tellers, training and development staff, compliance personnel, and anyone who handles member accounts.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> Webinar: Understanding Call Reports for Board Members

Thu, 19 Jul 2012 19:00:00 GMT

Board members are required to understand the basics of a balance sheet and income statement. They must be able to ask substantive questions about the financial health and direction of the credit union. From balance sheet irregularities to the basics of corporate financial literacy, today’s board members face increasing pressure to stay abreast of the complex regulatory and business realities of the financial services marketplace.

The 5300 Call Report is the backbone of the financial reporting system. NCUA requires all federally-insured credit unions to submit this detailed financial information, which allows them to assess the credit union’s general financial health and observe important trends. Do you know how the information is prepared and submitted by your credit union? More importantly, do you know how to utilize the data to assist with credit union governance? This session is designed to provide general guidance and practical tips to understand your 5300 Call Report obligations and the opportunities presented by this valuable tool.

HIGHLIGHTS

Call report basics: from format to filing dates
Review of available call report information and schedules
Navigating the NCUA website
Understand the available reports – from key ratios to full financial reports
Tips and tricks to gain the most from call report review

WHO SHOULD ATTEND?
This informative session is designed to provide credit union volunteers with a basic understanding of their credit union’s financial health. It is geared toward directors, associate directors, Supervisory Committee members, volunteer committee members, and aspiring volunteers.

ABOUT THE PRESENTER – David A. Reed, JD, Reed and Jolly, PLLC
Attorney, author, consultant, and nationally-recognized speaker, David Reed is a partner in the law firm of Reed and Jolly, PLLC. He provides guidance to credit unions on establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters, and corporate governance. His engaging speaking style has made him a nationwide lecturer on regulatory compliance, consumer lending, bankruptcy, and collections.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> NJ READ Meeting

Tue, 24 Jul 2012 14:00:00 GMT

State and federal regulatory examinations have long been an area that has proven challenging for credit unions; no matter asset size. The League has developed a program (NJ READ) that addresses the examination process in terms of 1) education 2) preparation, 3) follow-up, and 4) proactive interaction with regulatory agencies. Program participation is encouraged from all League credit union members.

Under the NJ READ program, we will bring together key CEOs to share their exam experiences, challenges and insights, who will have the opportunity to share in the resolution process, managed by the League, of proactively addressing regulatory and examination issues. The group will work together to identify and create process improvements as well as contribute to communications that will allow the League to be the “voice” of credit union members when interacting with regulatory agencies. The measure of which is intended to be a proactive, rather than a reactive campaign to ensure credit union members have the empowerment, i.e. information, tools and resources, to successfully navigate the examination process. The goal of NJ READ is to bring to light regulatory and examination practices that are hindering credit union success, and identification of regulatory changes that would help foster success. One of the key methods for doing this will be to identify these areas and communicate them to NCUA, state regulators and any other necessary regulatory agencies. We do expect, based on initial feedback, that NCUA is the primary regulatory body we will focus on for NJ READ. We will distribute our reports to NCUA, other regulators, and the general industry.

NJ READ provides credit union leaders a forum to meet and network, with the opportunity to provide feedback as well as recommendations regarding the examination experience. The NJ READ group will be tasked with the following;

· Attend League hosted quarterly roundtable sessions

· Provide “real world” experiences and share credit union impact for the feedback process

· Develop a process to collect, examine, and communicate credit union members’ feedback on NCUA examinations

· Examine regulator’s practices, processes, communication practices, etc.

· Examine burdensome regulations, i.e. relevancy, impact, etc.

· Input to process for communication to regulator

· Examine examination follow-up and document best practices

· Communicate opportunities to obtain education for credit union staff, volunteers

· Input to NJ READ Quarterly report to regulator and other identified groups

For more information on NJ READ, visit www.njcul.org/njread.aspx or contact Nicola Foggie at nfoggie@njcul.org or ext. 112.

> Webinar: Rule Review & Understanding Loan Documents for the New Mortgage Lender

Tue, 24 Jul 2012 19:00:00 GMT

You’ve just been promoted to a new position as a Mortgage Lender. Now what do you do? If the average 60-page mortgage closing package seems intimidating, then this webinar is for you. A mortgage lender is responsible for providing accurate disclosures within very specific timeframes. Understanding why the disclosures are required, who receives them, and what must be included will be presented in this step-by-step session. Participants will learn the basic requirements for both an initial mortgage and a refinance transaction. (The speaker will not address state-specific mortgage lending laws.)

HIGHLIGHTS

The definition of a “completed” application
Common problems with taking applications and collecting monitoring information
Mortgage application “early” disclosures: components, who receives them, timing requirements
Flood determinations for dwelling-secured collateral: basic requirements for compliance
“Final” disclosures: compliance requirements in a typical initial mortgage and refinance transaction
Understand the funding process. The rules for rescission for a refinance will be reviewed.

WHO SHOULD ATTEND?
This informative session is designed for the new mortgage lender, but will also serve as a review for loan processors and more-experienced lending staff. The handout materials will include examples of the critical disclosures and can be used as an effective training tool.

ABOUT THE PRESENTER – Susan Costonis, Compliance Consulting and Training for Financial Institutions
Susan Costonis is a compliance consultant and trainer who is also affiliated with gettechnical inc as an associate trainer. She specializes in compliance management along with deposit and lending regulatory training. Most of her 32-year career was spent as a banker in several areas including lending, marketing, electronic banking, compliance, community reinvestment, and senior management.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> Webinar: Regulatory Compliance for Deposit/Operations

Wed, 25 Jul 2012 19:00:00 GMT

This webinar will tackle regulations that require training for deposit/operations staff. Funds availability check holds, CIP documentation, and updates on Regulation CC, Regulation D, TISA, Regulation E (including claims), BSA, and related operational considerations will be covered. In addition, the new CTR, overdraft protection, and other operations “hot buttons” will be addressed. Common errors from the deposit/operations perspective will also be reviewed. This webinar will ensure that deposit/operations staff fulfill their training requirement for these regulations and review problematic areas of the regulations that require on-going training.

HIGHLIGHTS

Resolving Reg. E errors – timeframes, member rights, logs
Resolving errors in substitute checks – timeframes, forms, and legal issues
Check hold notices under Regulation CC and possible regulation changes
What constitutes a violation of CIP?
BSA update, including the new CTR and data fields
Review of Truth in Savings and how interest must be calculated and disclosed
Truth in Savings disclosures on time deposits – timeframes and requirements
ODP update and what examiners want from operations staff
Violations on savings accounts under Reg. D
How to check OFAC, how often, and who?
When would operations have a red flag for identity theft? What should you do?

IMPORTANT TOOLS PROVIDED
This training will include the following items so that you are able to provide solid documentation for examiners:

Letter of attendance certification with webinar outline
Electronic training log
Quiz you can administer to measure staff learning and a password-protected answer key

All registrants will receive the attendance certification and training log, regardless of whether they attend the live or archived version.

WHO SHOULD ATTEND?
This informative session will be useful for operations personnel, including ACH and wires staff, CIP staff, BSA coordinators, telephone staff, electronic banking personnel, bookkeepers, and other areas that support the frontline.

ABOUT THE PRESENTER – Deborah L. Crawford, gettechnical inc
Deborah Crawford is the President of gettechnical inc., a Baton Rouge-based firm, specializing in the education of financial institutions across the nation. Her 27+ years of experience began at Hibernia National Bank in New Orleans. She graduated from Louisiana State University with both her bachelor’s and master’s degrees. Debbie specializes in the education of financial institution employees and officers in the area of deposit account laws, new account documentation, insurance, complex compliance regulations, and IRAs.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> Quick Bite: Why Y? Tactics to Reach Gen Y

Thu, 26 Jul 2012 15:00:00 GMT

“Never trust anyone over 30.” If that popular movie line is correct, how can credit unions reach anyone under 30? For credit unions to survive in the future, they must successfully market to the 18-35 year old age segment. Arnold presents information about one of the most misunderstood groups of people: the Dot-Com Generation. This session provides:

• An overview of the Dot-Com Generation

• Practical ways credit unions can market to Dot-Comers

• Financial products Dot-Comers find appealing

Speaker: Mark Arnold, CCUE, is senior vice president of Technology, Employee & Member Development for Neighborhood Credit Union. Arnold currently oversees and plans strategies for multiple departments, including marketing, business development, human resources, and training. He also directs activities and programs that promote a sales culture and is responsible for the credit union’s technology strategies.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: Credit Reports & Scores: Using Them Legally & Effectively

Thu, 26 Jul 2012 19:00:00 GMT

What if there’s a mistake in the score and it’s your fault?

When was the last time you really considered the importance of a credit report? How about the risks? Access to reasonably-priced credit is an essential element in every member’s economic life, and no factor is more important than their credit score. The Fair Credit Reporting Act and FACT Act apply to every credit union that reports member information to a credit reporting agency.

But what if there’s a mistake in the score and it’s your fault? There has been an alarming increase in consumer-related litigation which involves credit reporting. The damages for improper reporting can be substantial. Throw privacy and bankruptcy into the mix, and there can be considerable liabilities to address. To complicate matters, when a consumer makes a direct request, the new regulations impose a duty on the credit union to reinvestigate disputes regarding the accuracy of the consumer’s information. The worst thing you can do is nothing! Is your credit union ready?

HIGHLIGHTS

Secrets behind a credit score
Effective uses of credit reports: It’s not just a number!
Risk-based pricing considerations
Employment credit report issues
Reporting matters after bankruptcy
e-OSCAR
Record retention and disposal

WHO SHOULD ATTEND?

This informative session is designed for credit union professionals that deal with consumer credit reports, especially chief lending officers, lenders, credit analysts, loan processors, branch managers, collections staff, compliance officers, human resources, and executives.

ABOUT THE PRESENTER – David A. Reed, JD, Reed and Jolly, PLLC

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

2. ON-DEMAND WEB LINK AND FREE CD ROM*

LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK (INCLUDES FREE CD ROM*)

Options 1 and 2 described above

*CD ROM is for Mac and PC use only

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

> Quick Bite: Digital Wallet: The Future of Mobile Payments and What It Means to Credit Union Member

Tue, 31 Jul 2012 15:00:00 GMT

“The ability to use a smartphone to replace your credit card has been in place in Asia and Europe for years. As this trend gains momentum in the United States, what does your credit union need to know about the technology, the key players, and what your members are expecting to be able to do with it?”

Speaker:Brandon Trenz is the Vice President of Product Development for CU Solutions Group. He has over 15 years of product management and product development experience, including web sites, online HR management solutions, and smartphone apps.

Location: Via Telephone

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> TeleCourse: ALM: 11 key Ratios You Should Know

Thu, 02 Aug 2012 15:00:00 GMT

Asset/Liability Management ratios can be complex and overwhelming yet credit unions need ratios to analyze the past and make decisions for the future. The numerous software packages available provide a variety of ratios and produce stacks of reports yet the results may be overwhelming. Your credit union's decision makers need concise information to make sound decisions.

This session begins with the goals of asset/liability management. It then addresses eleven primary ratios that identify and analyze critical areas of operation including capital, asset quality, and earnings. Each ratio includes a definition, a formula for calculating the ratio, the desired outcome, and the impact factors of each. This enables participants to analyze performance on a monthly basis and adjust strategies as needed to insure the credit union's safety and soundness. Great session for your B.O.D.!

Speaker: Debbie Rightmire is Vice President of Asset/Liability Management for the Texas CU League, overseeing the operations of TCUL ALM Resources. She provides semi-annual ALM analysis and consulting services for credit unions in four-state region representing nearly 40 billion in combined assets. She speaks for CUNA and Leagues across the nation having conducted numerous presentations from Georgia to California emphasizing ratio analysis, policy formulation, economic trends, liquidity analysis and investment due diligence.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: Security Officer Reports to the Board

Thu, 02 Aug 2012 19:00:00 GMT

Speaker: Barry Thompson, Thompson Consulting Group, LLC

More information coming soon!

> Webinar: Writing Effective HR & E-Policies to Manage Behavior, Maximize Compliance & Mitigate Risk

Tue, 07 Aug 2012 19:00:00 GMT

Speaker: Nancy Flynn, The ePolicy Institute™

More information coming soon!

> Quick Bite: Check Fraud

Wed, 08 Aug 2012 15:00:00 GMT

Counterfeit checks, altered checks, washed checks – they all mean one thing: Losses for the financial institution that accepts them. In this session participants will learn how the criminals do it and the methods they will use to attack your credit union. Only by knowing how a criminal will produce the check, alter the check or forge the check will your front line staff know how to detect the fraud in action. This program will examine check fraud and will review its twin sister false identification, as the criminal must possess both a fraudulent check and fraudulent identification to be successful.

Speaker: Barry Thompson has worked in the financial services industry for over three decades, holding the positions of security officer, compliance officer, treasurer, senior vice president and executive vice president. He is the only fraud educator in our industry who has worked in senior management positions, which affords him unique insight into financial institutions.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: Supervisory Committee Audits: Best Practices

Wed, 08 Aug 2012 19:00:00 GMT

Speaker: Tim Harrington, TEAM Resources

More information coming soon!

> Quick Bite: Decedent Accounts

Tue, 14 Aug 2012 15:00:00 GMT

This session will cover the following:

Preparing for and dealing with the death of members
Types of accounts
Death-proofing accounts – properly filling out account cards
Confirmation of death
Dealing with an estate
Steps to take when a member dies
Alternatives to Probate and much more!

Speaker: Carol Bertoux is the Associate General Counsel for the Illinois Credit Union League. In this position she assists the general counsel and chief operating officer of the League in general matters on behalf of the League and it’s affiliates. She also analyzes state and federal laws, rules and regulations that affect credit unions, and provides assistance and advice to credit unions and their retained counsel.

Location: Via Telephone

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: You Received a BSA Exam Request Memo, Now What?

Tue, 14 Aug 2012 19:00:00 GMT

Speaker: Ann Brode, Brode Consulting, Inc.

More information coming soon!

> Webinar: Signature Card Danger Zones: Account Titling, Ownership & Access

Wed, 15 Aug 2012 19:00:00 GMT

Speaker: Deborah Crawford, gettechnical inc

More information coming soon!

> NCUA Office of Small Credit Union Initiatives Credit Union Workshop - Newark

Tue, 21 Aug 2012 11:45:00 GMT

NCUA Office of Small Credit Union Initiatives Credit Union Workshop - Newark

Time: 7:45 AM - 4:00 PM

Hilton Newark Penn Station
(973) 622-5000
Gateway Center/Raymond Boulevard
Newark, New Jersey 07102

Registration:

Click here to register online.

Phone: 703-518-6610

Email: Email NCUA Here

Workshop Agenda

7:45 am - 8:15 am Registration and Continental Breakfast

8:15 am - 8:30 am Opening Session

8:30 am - 9:00 am Issues Facing Credit Unions

9:00 am - 9:30 am NCUA - What is OSCUI and what we can do for you?

9:30 am - 9:45 am Break

9:45 am - 10:45 am Examination Issues

10:45 am - 12:15 pm Fraud Detections

12:15 pm - 1:30 pm Lunch with Outreach Panel

1:30 pm - 4:00 pm ALM - Discovering Product Costs and Profitability in your credit union (breakout session)

1:30 pm - 4:00 pm Duties of FCU Board of Directors - Part 2 NCUA Rules and Regulations 701.4 (breakout session)

Certificates of Attendance will be given out

> Quick Bite: Conducting & Evaluating Consumer Reports for Employment Purposes

Tue, 21 Aug 2012 15:00:00 GMT

Credit union employees work with and handle money. As a result, credit unions obtain consumer reports based upon the employee’s position and as required by the NCUA, credit unions must comply with the Fair Credit Reporting Act to obtain consumer and background checks as well as other state and federal laws. The purpose of this seminar is to provide a credit union with the appropriate disclosures necessary to authorize a credit union to obtain consumer reports and to advise credit unions of what information may and may not be considered when reviewing consumer records.

Speaker: Lynn Esp is Assistant General Counsel for the Illinois Credit Union League. In this capacity, she provides assistance and advice to credit unions and their retained counsel and directs the League's Legal and Technical staff. Formerly an associate with Hinshaw & Culbertson, Lynn has extensive experience and expertise in labor and employment law.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: Improve Your Bottom Line: Tips for Auditing Income & Expenses

Thu, 23 Aug 2012 19:00:00 GMT

Speaker: Rhonda Hudson, Compliance +, Inc.

More information coming soon!

> Quick Bite: Marketing with a Click and a Smile

Tue, 28 Aug 2012 15:00:00 GMT

In today’s highly competitive and mobile economy, loyalty has become a difficult thing to gain from members. To retain members and attract new ones, the marketer’s role has become increasingly important and fallen under more scrutiny. In this presentation, participants will hear about ideas using traditional media, social media and member service to address the changing marketplace. From generational differences to using technology to build brand awareness, everything comes down to marketing with a click and a smile!

Participants in this presentation will learn:

Who credit unions are serving and how the lifestyles of different generations are impacting the bottom line
How to carve a place in the consumer’s mind by building a marketing machine that is part traditional media, part e-marketing and part social media with a way to track results
Why to make banking at the credit union “the” thing to do by capturing members’ financial services for a lifetime and building a relationship based on providing the “best deal”

Speaker: Nicolette Lemmon is the president of LemmonTree Enterprises, Inc., with divisions of LemmonTree Marketing Group, Lemmon Publishing Group, and Credit Union Marketing University, all serving clients nationwide since 1984. She is an experienced, dynamic speaker and trainer, having sold thousands of video training sets as well as in the rental program of the Business Training Library. With years of experience working with credit unions, she has spoken to thousands of credit union professionals, executives and volunteers and conducted in-house training programs. She is also the author of Successful Marketing Strategies (for the credit union industry) and Almost Famous: How to Market Yourself for Success. She can be reached by calling 480-967-1405 or www.LemmonTree.com.

Location: Via Telephone

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> Webinar: Financial Lit. Fundamentals for New Directors: Financial Statements, Key Ratios, & More

Wed, 29 Aug 2012 19:00:00 GMT

Speaker: Tim Harrington, TEAM Resources

More information coming soon!

> TeleCourse: Basic Consumer Lending

Thu, 30 Aug 2012 15:00:00 GMT

Borrowing money, until recently, seemed to be the American way. The philosophy of buy today and pay tomorrow has been, for most Americans, a way of life. This mentality can be dangerous because it easily can lead a person into financial disaster. How does one learn what lending is all about? Unfortunately, many learn the hard way by getting themselves into financial difficulty, which could lead to bankruptcy. What can we do to help prevent this from happening? We can educate our members. It is not credit that causes problems, but how one uses it, that can cause problems.

This program starts to build a basic foundation on the critical elements in making a consumer loan decision. Participants will gain knowledge about the lending process and how to make a loan decision. Some of the topics to be covered include:

How Financial Institutions Create Money
A Lending Overview
Understanding a Loan Application
Making a Sound Loan Decision

Speaker: John Baptista’s experience combines over 35 years in the financial industry, including 30 years in management, and over three decades as a trainer and consultant.

As the youngest branch manager in the history of one of the largest California Banks, John recognized early the importance of customer service. From over 2000 employees, he was ranked in the top 10% for providing the best in customer service. He has also been a lender, banker and corporate trainer with a major credit union.

Location: Via Telephone

Time: 11:00 am - 12:00 pm EST

Educational Investment: $109.00 per telephone connection. Unlimited Listeners and Free Audio Archive

****You must be registered for this session to hear the audio-recorded version and receive handouts.****

AUDIO ARCHIVE! Can't tune in today? This session will be available on-line for 30 days after activation.

To register and pay by check, email mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> South-Central Chapter Meeting

Tue, 11 Sep 2012 22:00:00 GMT

> NJCUL's 78th Annual Meeting & Convention

Sun, 30 Sep 2012 04:00:00 GMT

The New Jersey Credit Union League's 78th Annual Meeting and Convention will be held September 30, 2012 to October 2, 2012 at the beautiful and brand new Revel Resort in Atlantic City, N.J.

Look for more information coming soon!

> Full-Day: The Lending Arena: How to Grow Loans in 2012

Tue, 09 Oct 2012 13:00:00 GMT

The Lending Arena: How to Grow Loans in 2012

Overview:
This program is targeted for Lending Managers and Underwriters to examine current lending issues and learn what techniques are working to increase loan volume. Some suggestions may require policy changes; therefore, this session is also appropriate for decision-makers within the credit union.

New lending programs and banking trends to be aware of to enhance your current programs.
On-boarding programs that help you dig deeper into your new members’ relationships.
Underwriting techniques that allow you to help more of your members.
Relationship Lending programs that should be considered for your credit union.
Data mining techniques that bring more relationship opportunities with your current membership.

Speaker: Pierre Cardenas
Pierre Cardenas has 27 years in the financial industry at both credit unions and banks. He has held executive level positions in organizations as large as a billion in assets. Pierre has been consulting, training and presenting for the financial industry since 2008 when he started his business “Innovators of Change” while serving as the Senior VP of Retail at a $540 Mill CU. Pierre’s experience in using technology to streamline processes has given him valuable insight to trends in the banking industry. He takes a future look at what could be and how your organization can position itself to optimize the changing environment. Pierre Holds a Bachelor’s Degree in Business from the University of Texas at El Paso and an MBA in Business Management from the University of Phoenix and is a graduate of the ABA National Compliance School. He is also holds his NCCO certification from NAFCU.

Note: This Session qualifies as an “in-person” session for the Lending/Collections Certification Program. For more information on this program, click here.

Time: 9:00 a.m. - 4:00 p.m., with lunch provided

Tuition:
Above 100 Million $199.00
25-100 Million   $149.00
10-25 Million   $ 99.00
Under 10 Million     $ 59.00

To register and pay by check, email Mary Zelinsky at mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.

> NJ DNA Dinner Meeting

Wed, 10 Oct 2012 22:30:00 GMT

More information coming soon!

> NJ READ Meeting

Tue, 30 Oct 2012 14:00:00 GMT

· Attend League hosted quarterly roundtable sessions

· Provide “real world” experiences and share credit union impact for the feedback process

· Develop a process to collect, examine, and communicate credit union members’ feedback on NCUA examinations

· Examine regulator’s practices, processes, communication practices, etc.

· Examine burdensome regulations, i.e. relevancy, impact, etc.

· Input to process for communication to regulator

· Examine examination follow-up and document best practices

· Communicate opportunities to obtain education for credit union staff, volunteers

· Input to NJ READ Quarterly report to regulator and other identified groups

For more information on NJ READ, visit www.njcul.org/njread.aspx or contact Nicola Foggie at nfoggie@njcul.org or ext. 112.