Calendar of Events

> Roundtable: Current Issues with Collections

Tue, 18 Jun 2013 14:00:00 GMT

This session will review mortgage modifications, prose debtors, writ of replevin, and other important areas that can help the member when possible and when not possible, keep the credit union out of court.

Speaker: Michael R. DuPont is an attorney for McKenna, DuPont, Higgins & Stone.

The firm has been providing legal services to Monmouth county families and businesses, State Financial Institutions and Municipal Governments for over forty years. DuPont specializes in Credit Union and Banking, Municipal, Bankruptcy, Foreclosures, Personal Injury, Wills and Estates, Real Estate, Land Use and Development, Collections, Negligence and Product Liability, Labor and Employment Law.

Note: This session qualifies as an “in-person” session for the Lending/Collections Certification Program.

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 – 12:30 pm

Cost: $25, lunch will be provided.

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: Regulator Issues & Update for the Credit Analyst

Tue, 18 Jun 2013 19:00:00 GMT

Financial regulators continue to emphasize two points: 1) verification of financial ratios, values, etc. and 2) the depth of documented support material. Current and accurate information (based on regulatory guidance statements) is critical not only for underwriting, but also on-going monitoring of creditworthiness.

There are three primary credit functions that financial regulators expect financial institutions to perform.

1. Spreading and analyzing financial information on the borrower and related entities
2. Performing an in-depth underwriting analysis
3. Monitoring of the borrowing entity’s financial performance

Although these duties may be assigned to the credit analyst, underwriter, or to the loan officer, this presentation will assume all are assigned to the credit analyst or underwriter. This webinar will focus on consumer lending and regulators’ emphasis points during safety and soundness examinations. It will also address regulatory guidance for home equity lending and 1-4 family residential investment properties.

HIGHLIGHTS

Role of the credit analyst/underwriter
- What regulators want to see
- Factoring in processes from recent regulatory issuances
- The credit risk evaluation process
- Use of risk grading matrix
Underwriting the loan
- Issues with cash flow analysis
  - Debt associated with the interest expense on IRS 1040
  - Liquidity
- Issues with debt service coverage – both D/I and debt service coverage ratio (DSCR)
  - Taxes and living expenses
  - Dealing with passive income
  - Distributions and contributions
  - Guarantor support analysis
  - Global debt service analysis
  - Stressed D/I or DSCR
- Collateral coverage analysis
- Structuring of the credit
Home equity lending – regulatory guidance for junior liens
Investor-owned 1-4 family rental properties – regulatory guidance

WHO SHOULD ATTEND?
This presentation is for beginning and intermediate-level credit personnel, including credit analysts, loan officers, loan review personnel, loan committee members, and credit-risk managers.

ABOUT THE PRESENTER – S. Wayne Linder, Young & Associates, Inc.
With over 30 years as a banking veteran, Wayne Linder was formerly the CEO of a community bank. At Young & Associates, Inc., Wayne works as a senior lending and management consultant. He performs loan reviews; assists financial institutions under regulatory enforcement agreements; performs management and board of director assessments; and develops and implements written policies throughout all areas of the financial institution.

Wayne is a popular seminar speaker with both national and international experience. In addition to his many published articles, he is the author of Loan Review Deskbook.

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

> Quick Bite: RESPA

Wed, 19 Jun 2013 15:00:00 GMT

Although still in the proposal stage, the changes to the Real Estate Settlement Procedures Act (RESPA) will be a huge undertaking. The combining of the RESPA Good Faith Estimate and the Advance Truth in Lending Disclosure and the HUD Settlement Statement with a new Final Truth in Lending Disclosure alone will require changes to your loan forms, data processing systems and your procedures. In addition, other contemplated changes include responding to consumer inquiries regarding servicing and escrow accounts, new tolerance levels for estimates, changes in the definition of business day, and so much more. Through this session you will learn the areas where changes are likely to occur so that you may begin the planning process.

Speaker: May Lou Heighes, CUCE, is President and founder of Compliance Plus, Inc. Mary-Lou has been involved in the credit union movement since 1989. She spent 5 years working in credit unions, in almost every position. Like many credit union veterans, she has worn many hats - loan officer, marketer, collector, and the all-encompassing OTHER DUTIES AS ASSIGNED. That background made for an easy transition to the Research and Information Department at the California Credit Union League where she spent 7 years providing compliance assistance through the Information Hotline and writing and editing TIPs bulletins advising credit unions to changes to regulations affecting credit union business.

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: Pricing Consumer Loans for Profitability

Wed, 19 Jun 2013 19:00:00 GMT

Pricing for profitability is challenging enough without more legislation and regulation. Each credit union is unique in the marketplace, with a number of variables to consider when pricing and servicing consumer loans. But the one common denominator is the bottom-line challenge: you must be profitable to survive. It is no longer enough to base your rates on the institution next door. With this webinar, you will understand how to price to meet the needs of your members and institution. Learn to identify your true market competitors. Join us to gain insights to help you set competitive fees and rates that will increase loan profitability.

HIGHLIGHTS

Understand which industries will revitalize lending for Main Street institutions
Determining the profitability of your consumer loan services
How to use rates, fees, and balances for optimal pricing
Using all loan factors in assessing risk
Easy ways to estimate costs, plus comparison benchmarks
What your economy of scale can tell you about strategic-pricing options

TAKE-AWAY TOOLKIT

Consumer loan benchmarks
Competitive analysis framework
A pen-on-paper tool for integrating the four basic pricing strategies: cost, competitive, relationship, and value

WHO SHOULD ATTEND?
This informative session would best suit staff involved with lending, finance, and pricing services.

ABOUT THE PRESENTER – G. Michael Moebs, CPA, MBA, Moebs $ervices, Inc.
Since founding his economic research firm in 1983, Mike Moebs has worked in the financial services industry. As an economist who understands the challenges affecting financial institutions, he’s developed such proprietary services as No Bounce® check management with the patented Debit Scoring® tool. Mike is perhaps best known for his firm’s Financial Services Pricing Survey. The most comprehensive study of its type, the survey collects data from over 2500 institutions nationwide on consumer and business checking accounts, ATM, debit cards, as well as payday lenders and retail merchants.

Prior to establishing Moebs $ervices, Mike served as a bank president, COO of a 14-bank holding company, credit union director, and director of 7 different banks. He received an MBA from the University of Chicago where he studied under Nobel Laureates. Mike received his CPA and undergraduate degree from the University of Illinois – Champaign/Urbana.

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.

> Archived Webinar: Complying with Rule for Garnishment Procedures Involving Federal Benefit Payment

Fri, 21 Jun 2013 04:00:00 GMT

Archived Webinar: Complying with the Final Rule for Garnishment Procedures Involving Federal Benefit Payments: Effective June 28, 2013

Available ONLY via Archived Webinar (Includes FREE CD ROM)

Archived Webinar available Friday, June 21, 2013

The required procedures for handling garnishments on accounts containing federal benefit payments – including some new changes – are effective June 28, 2013. These garnishment procedures were implemented in May 2011, as an interim rule. This May, the federal benefit agencies announced that these procedures would become a final rule on June 28, 2013, but with some new language and requirements. This program will explain all the procedures that must be followed when a garnishment or a state tax levy is received against an accountholder who receives federal benefit payments.

HIGHLIGHTS

Proper procedures to follow when receiving a garnishment order
New definition of garnishment order includes state tax levies, so levies are covered by these procedures
Deadlines that must be met once a garnishment order is received
Determining which federal benefits are protected
How to analyze the “lookback period”
Calculating the “protected amount”
New 5-business-day exception to the restrictions on garnishment fees
Notice to accountholder only required if there are funds in excess of the protected amount

TAKEAWAY TOOLKIT

Copy of the final rule issued May 29, 2013 – Garnishment of Accounts Containing Federal Benefit Payments
Sample notice form to be sent to accountholders

WHO SHOULD ATTEND?
This informative session will benefit deposit operations personnel, tellers, account representatives, compliance personnel, and auditors.

ABOUT THE PRESENTER – Elizabeth Fast, JD & CPA, Bankers Choice
Elizabeth Fast 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.

ARCHIVED WEBINAR & FREE CD ROM*
The archived webinar is a recording that includes the audio, visuals, and handouts. We even provide the presenter’s email address so you may ask follow-up questions. You will receive an email with the archived webinar link. This webinar link can be viewed anytime 24/7, and will expire 6 months after the original availability 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 archived webinar or this “off-the-shelf” program for future training.

The archived webinar (including the free CD ROM) may ONLY be ordered for 6 months following the original availability date. Neither the link nor CD will be available after this time.

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.

*CD ROM is for Mac and PC use only

**All materials are subject to copyright and intended for your financial institution’s use only.

NVESTMENT:
$199.00 Archived On-Demand Web Link & Free CD ROM

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

> TeleCourse: Teller Boot Camp (Part 1)

Tue, 25 Jun 2013 15:00:00 GMT

Offered in two parts, you will want all your tellers to take part in this high impact learning experience. Recently revised, the program zeros in on six key modules that remind the teller of the importance of what they do, how they do it, what they say and how they deliver member service.

The program emphasizes the importance of professional maturity, following procedures, scrutinizing each and every transaction, how to provide extraordinary service, mastering cross-selling and becoming accomplished at balancing! It will be an information-packed, attention grabbing fast-paced, two-part workshop. Each program will offer 90 minutes of instruction and allow 30 minutes for real world scenarios and Q & A. Get all your questions answered and offer your tellers, teller managers and every teller trainer exceptional professional development by one of the nation’s highest rated speakers, Honey Shelton. Attendees say Honey captivates and motivates while they learn!

Participants will leave both workshops with plenty of “how-to” and a renewed commitment to excel on the job!

Part One Modules

1. Professional Maturity

Gain Flexibility
Polish Your Image
Reputation Management
Manage Your Emotions
Maintain Confidentiality
Practice Courtesy & Kindness

2. Follow Procedure

Consistency and Discipline
Accuracy and Consistency
Handle Cash Like a Pro
Robbery Preparedness
Vigilant Compliance

3. Scrutinize Transactions

Verification Concerns
Check Cashing Guidelines
Identification Rationale
Examining Endorsements
Know Your Money
Scams & Fraudulent Schemes

Speaker: Honey Shelton brings the best of both worlds to her speaking and training engagements. She has 25 years of experience as a training and quality improvement consultant for banks and banking associations across the country. Her financial background includes spending three years as Executive Vice President/Chief Retail Banking Officer with First Victoria National Bank. Nationally recognized as an outstanding speaker, over a half million bankers have participated in programs Honey has presented. Her depth of knowledge, enthusiasm, and compelling personality have left her lasting mark on InterAction Training, the firm she founded in 1983.

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.

> NorthLegal Webinar: Denial of Services and Expulsion from Credit Union Membership

Tue, 25 Jun 2013 17:00:00 GMT

Is a credit union required to treat all members equally? Must you offer all services to all members?

Suppose a member fails to repay money borrowed from the credit union, or suppose he is disruptive at a credit union branch. Do you still have to let that member maintain a checking account? Maintain a savings account? Cash checks? Make deposits through payroll deduction? Visit the credit union branch? Use home banking?

Under what circumstances may you expel a member from the credit union entirely? What are the steps you have to take to do that? Does bankruptcy make a difference? Are you really protected by a policy that says you "deny services to anyone who causes a loss"? And, if so, what kind of "loss" qualifies? How can the words you use when communicating your "denial of services" policy make the difference between your winning or losing a case?

During this program, attorney attorney Eric North will answer

these and related questions. Participants will learn:

• When you may (and when you may not) refuse to allow a member access to credit union services.

• Whether a member must have caused the credit union to "suffer a loss" or be in default in order for you to discontinue services.

• What the NCUA says about providing services to members.

• What bankruptcy law has to say about denying services to members, and why the rules may be different for some credit unions than for others.

• May you use the threat of a loss of services as a way to convince a bankrupt member to reaffirm?

• What the rules are regarding expulsion of members. (Emphasis on federal credit unions, but a general

discussion of state credit union laws.)

• How to communicate your denial of services policy to members—and how saying the wrong thing may cause a court to punish you with sanctions! (Sample correspondence included!)

• and more!

For more information call NorthLegal Training and Publications at 623.537.7150.

CLICK HERE TO REGISTER NOW!

Can't make it on the scheduled day? Remember that your registration now allows you to also watch the archived version at as often as you like for 30 days at a time of your convenience!

If you register for this program before it begins you may attend the live program AND have access to the archived version for 30 days, all for only $125.00.

> Webinar: GFE & HUD-1: Current Issues, Current Challenges

Tue, 25 Jun 2013 19:00:00 GMT

The Consumer Financial Protection Bureau (CFPB) has tentatively scheduled the integrated Early TIL/GFE and Final TIL/HUD for release in September 2013. Unfortunately, the result of this delay means that financial institutions will have to live with the current Good Faith Estimate and HUD-1 disclosures for longer than originally anticipated. From the time of issuance, you will have to wait a number of months for appropriate programming, meaning that the industry will have to continue the struggle with the existing forms well into 2014. This webinar is designed to address the current issues that continue to challenge all of us.

HIGHLIGHTS

The rules for the current forms
“Hot button” regulator issues regarding the GFE and HUD-1
Results of reviews and common issues
Form areas that pose the biggest risks for reimbursements
Review techniques that will be effective for the current forms

WHO SHOULD ATTEND?
This informative session would best suit consumer real estate lenders, loan processors, auditors, senior lenders, underwriters, and others who participate in the consumer real estate function.

ABOUT THE PRESENTER – Bill Elliott, CRCM, Young & Associates, Inc.
Bill Elliott has over 30 years of banking experience. As a senior 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.

> Northern Chapter Meeting: Meet the New President of NJCUL

Tue, 25 Jun 2013 21:30:00 GMT

Date: Tuesday, June 25th, 2013

Time:
Cocktails: 5:30 p.m. (cash bar)
Dinner: 6:30

Cost: $35.00 per person

Topic/Speaker: Meet the New NJCUL President/CEO - Greg Michlig

Location:

Calandra’s Mediterranean Grill
118 US Highway 46 East
Fairfield, NJ 07004
(973) 575-6500
www.calandras.net

*Free onsite parking – NOTICE- the meeting will be longer than usual due to elections

Click here for the registration form.

Register by:

Mail:
Tom Quigley
XCEL Federal Credit Union
1460 Broad Street
Bloomfield, NJ 07003-3014

Email: NorthernChapter@XCELfcu.org

Phone: (201) 499-1656

Registration deadline is Friday, June 21st, 2013.

> Webinar: Ability to Repay, Part 1 – New Rules that Impact Your Policies & Products

Wed, 26 Jun 2013 19:00:00 GMT

IMPORTANT UPDATE:
This webinar will include changes announced by the CFPB on May 29, 2013.

The ability to repay concept is simple – make sure the borrower can pay before you make the mortgage loan. The CFPB’s final pronouncement on this simple concept contained 236,000 words. This webinar is the first of two presentations on this topic. It will address the management impact of this new rule and the decisions that must be made in the mortgage loan and asset liability management areas. The definition and impacts of “qualified mortgages” and “unqualified mortgages” will be covered, as well as the “points and fees” test. This test is one of the two tests required to determine qualified or unqualified status. (The actual ability to repay calculation and the proper approach for balloon mortgages will be included in Part 2 on August 1.)

HIGHLIGHTS

The concept
How this new regulation affects risk management
Decisions that need to be made and the timing of those decisions
Definitions and their impact
The points and fees test

TAKE-AWAY TOOLKIT

“Quick review” chart to assist your credit union in making decisions about the fees you charge that are included in “points and fees” and what charges can be omitted

DON’T MISS PART 2!

This program is the first of two in a series. Watch for
“Ability to Repay, Part 2 – What Your Lending Staff Needs to Do to Comply:
Deadline January 10, 2014”
on Thursday, August 1, 2013.

WHO SHOULD ATTEND?
This informative session is designed for senior management, including those with responsibilities for loan management and asset liability management. Lenders, compliance personnel, underwriters, and loan processors will also benefit from this webinar.

> Quick Bite: Handling Suspect International ACH Transactions (IAT’s)

Thu, 27 Jun 2013 15:00:00 GMT

The International ACH Transactions (IAT) application was introduced into the ACH Network in September 2009. According to NACHA, approximately 30 million IAT transactions were processed in 2012 and even more are expected in the future. What percentage of these will your credit union receive? But more importantly, are you properly processing these entries? This session provides you with an overview of the rules surrounding IAT and highlights your responsibilities in the processing of IAT entries, including OFAC compliance obligations. Additionally, we’ll discuss recent ACH Rules changes related to IAT processing.

Highlights:

Acceptance of IAT entries, including posting and availability
Review the 2012 ACH Rules clarification on The Effect of Illegality
What information needs to be screened
Handling of suspect transactions and when to contact OFAC
ACH Rules updates related to IAT

Speaker: Shelly Simpson, AAP, joined EPCOR in 2005 following an 11-year career with the Federal Reserve Bank of Kansas City. As the Payments Education Assistant Director with EPCOR, she designs and conducts education programs in support of ACH, cards and checks to over 2,300 financial institutions and corporate members throughout the central United States. Shelly also presents at regional and national industry conferences as an ACH payments expert and received her Accredited ACH Professional designation in October 2006.

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: New Jersey’s Demographics, Housing & Regional Economics

Thu, 27 Jun 2013 16:00:00 GMT

New Jersey’s Demographics, Housing & Regional Economics

Date: Thursday, June 27, 2013

Time: 12 noon

Cost: $25.00 per person

Topic: New Jersey’s Demographics, Housing & Regional Economics

Speaker: Dr. James Hughes, Dean of Edward J. Bloustein School of Planning & Public Policy at Rutgers University

Location:
The Rutgers Club
199 College Avenue
New Brunswick, NJ 08901
732-932-6550

Click here for the full brochure and registration form.

Register by:
Mail:
Kelly Weiss
Community Financial Services FCU
149 St. George Avenue
Roselle, NJ 07203

Phone: (908) 245-1650

Email: kelly.weiss@cfsfcu.com

Registration deadline is June 21, 2013.

> Webinar: Advertising Compliance: Web, Print, TV & Radio

Thu, 27 Jun 2013 19:00:00 GMT

What you don’t say can be a compliance violation! What you do say can be a compliance violation! Confusing? Absolutely! Whether it is print media, radio, TV, lobby posters, brochures, or the Internet, multiple regulations impact your credit union’s advertising. You must be knowledgeable to avoid compliance pitfalls. However, rules and regulations can be costly to implement and difficult to interpret. This session covers the numerous rules and regulations that restrict advertising content and mandate specific disclosures, as well as the form and content of all types of advertising. Risking noncompliance is not an option! A single regulatory violation, or worse, a pattern of violations, can lead to regulatory fines and potential lawsuits.

HIGHLIGHTS

Unfair, deceptive, and abusive advertising practices
Special rules for websites and mobile banking
Restrictions on use of email, fax, and telephone solicitations
Copyright and trademark infringement
Promotional contests and prizes

TAKE-AWAY TOOLKIT

Advertising compliance checklist to ensure you don’t forget an important requirement

WHO SHOULD ATTEND?
This informative session is designed for marketing personnel, compliance officers, legal officers, and managers.

ABOUT THE PRESENTER – Elizabeth Fast, JD, CPA, Spencer Fane Britt & Browne, LLP
Elizabeth Fast 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.

> TeleCourse: Teller Boot Camp (Part II)

Tue, 09 Jul 2013 15:00:00 GMT

You will want all your tellers to take part in this high impact learning experience. Recently revised the program zeros in on six key modules that remind the teller of the importance of what they do, how they do it, what they say and how they deliver member service.

Participants will leave both workshops with plenty how-to and a renewed commitment to excel on the job!

Part Two Modules

4. Provide Extraordinary Service

Get on Purpose
Make Their Day
What the Member Wants
Effective Communication
Five Habits of Highly Successful Tellers

5. Ace Cross-Selling & Referrals

Product Knowledge Proficiency
Be Inquisitive, Engaging and Prepared
Spot Opportunities; Start Conversations
Suggest Solutions; Share Information

6. Master the Balancing Act

Ten Things You Must Do
Six Things You Never Do
Avoid Outages and Interruptions
Halt Transpositions

Who Should Attend: Everyone who works a teller window including part-time, sometimes or all the time tellers plus teller supervisors, branch managers and those responsible for training tellers.

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: Handling ACH Origination Exception Issues

Tue, 09 Jul 2013 19:00:00 GMT

ACH origination responsibilities don't stop once you receive the files from your originators and send them to the ACH Network. You then have daily operational tasks, issues, and exceptions to address. This webinar will review the most-common daily ODFI exception issues and errors and determine the appropriate course of action for each. It will also address the advanced responsibilities of ACH origination by explaining how to develop effective daily ACH monitoring procedures and identify helpful tools to assist in the process.

HIGHLIGHTS

Evaluate origination issues and errors, determining the appropriate courses of action for each
Key areas of ACH origination that need monitoring
Best practices intended to increase ACH Rules compliance and minimize potential risk and loss

TAKE-AWAY TOOLKIT

Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

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 has been an active member on several NACHA workgroups and committees, including the AAP Blue Ribbon Panel, and holds a Bachelor’s degree in Business Education.

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.

> Webinar: Collecting Decedents’ Accounts

Wed, 10 Jul 2013 19:00:00 GMT

Collecting consumer debt is always a challenge – it’s even more of a challenge after the borrower has passed away! Who can and can’t you contact? Do you know what you can and can’t say? What recourse do you have? Who is liable for the debt? Aren’t the decedent’s assets supposed to be used to pay debts? Who can make that happen? What happens to your collateral?

To clarify matters, the FTC issued rules that affect consumer lenders’ attempts to collect debts owed by deceased borrowers. However, those rules do not govern all lenders. Whether or not they directly apply to you, violations may still be used against you! Join us to learn more about the FTC rules and other important laws and concepts that affect the way you collect decedents’ accounts.

HIGHLIGHTS

When may you discuss the debt with someone who did not sign the credit agreement?
Difference between formal and informal estate administration, why it matters, and how to handle each
Options when decedents’ property is not used to pay their debts
When funds held on deposit may and may not be applied to a decedent’s unpaid debt
The financial institution’s rights regarding property pledged as collateral. What if the person who has it won’t release it?
The creditor’s rights when a relative or friend of the decedent has (or is living in) your collateral
Why some of a deceased borrower’s assets are beyond the reach of creditors
The Consumer Financial Protection Bureau’s role

TAKE-AWAY TOOLKIT

Sample letters to assist in collecting decedents’ accounts
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session is for collection officers, collection support staff, management, loan officers, and other lending personnel.

ABOUT THE PRESENTER – Eric North, JD, NorthLegal Training and Publications
Eric North has represented the interests of consumer lending institutions as an attorney for over twenty-five years. His practice includes the representation of consumer lending institutions in court proceedings as well as counseling regarding dispute resolution, compliance, and contractual matters to help avoid litigation when possible and prevail in litigation when necessary. He has appeared in cases in federal and state courts – primarily in California, where he is licensed to practice, and before the Ninth Circuit Court of Appeals.

Prior to becoming an attorney, Eric worked within the consumer finance industry in management, lending, collections, and operations. In addition to practicing law, Eric devotes a significant portion of his time providing training to help consumer-lending institutions and their attorneys understand and comply with the laws that govern them.

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.

> Quick Bite: Open Mouth: Insert Foot?

Thu, 11 Jul 2013 15:00:00 GMT

Which happens most when you have to speak in public? During this session, you’ll learn how to prepare and deliver winning presentations. You will also receive some useful tips from a nationally ranked public speaking coach on how to win over your audience every time.

Speaker: Diane Reed is a nationally recognized speaker, writer and communications professional. Diane currently serves as President of CUDoctor, a full-service credit union consultancy, assisting credit unions nationwide with human resource, marketing, community relations, compliance, sales, training and executive support. Prior to joining CUDoctor, Diane served for more than a decade as Vice President of Administration for a mid-sized credit union where she oversaw the credit union’s Human Resources, Marketing, Business Development, Community Relations, Training, Compliance and Sales function. Diane’s expertise in “Service-Oriented Culture Change” has been cited in such publications a “Credit Union Times”, “Credit Union Management” and a host of other industry magazines. In addition, Diane was a nationally ranked Public Speaking Coach at George Mason University for nearly a decade specializing in speech and the oral interpretation of literature.

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: Internet Fraud Claims: Who is Liable?

Thu, 11 Jul 2013 19:00:00 GMT

Internet fraud has grown tremendously and the losses are staggering. Credit unions face huge liability risks for unauthorized withdrawals from deposit accounts if a cyber criminal obtains access to a member’s online security credentials. UCC Article 4A permits the credit union to shift liability to the commercial member in certain situations, while Reg E provides more protection for the consumer member. But in all situations, the law imposes a duty on the credit union to utilize commercially-reasonable security procedures. This webinar will explain who is legally liable for various types of Internet fraud and what your credit union can do to guard against liability in both commercial and consumer situations.

HIGHLIGHTS

Credit union liability under Reg E for consumer accounts
Credit union liability under UCC Article 4A for commercial accounts
What constitutes reasonable security procedures?
Special NACHA rules for ACH transactions
Review of FFIEC guidance Supplement to Authentication in an Internet Banking Environment
Important provisions to include in your contracts

TAKE-AWAY TOOLKIT

One way to guard against Internet fraud claims is to have a well-drafted contract. You will receive a sample online contract that can be adapted for your credit union.
FFIEC guidance Supplement to Authentication in an Internet Banking Environment
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session will be useful to deposit operations personnel and managers, member service representatives, compliance staff, technology personnel, fraud investigators, and auditors.

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.

> Quick Bite: CU Relationship Lending

Tue, 16 Jul 2013 15:00:00 GMT

Relationships drive our lives in every aspect; they also drive our business, our opportunities and our lending. Relationships also mitigate risk and allow for better performing loans. This session will focus on relationships and how they can gain you more loans that will perform at higher yields. Join us for this session to learn:

• What an ideal CU relationship should look like.

• The greater the relationship a member has with your credit union, the less risk they pose.

• Why a member with a strong CU relationship and a low credit score is an ideal member to lend to.

• It's not about the credit score but all about the relationship.

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 million 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: Simple Guide to Asset Liability Management that Everyone Can Understand

Tue, 16 Jul 2013 19:00:00 GMT

Capital is King! While you may have enough capital at the moment, a key board and management function is to continually scan the horizon to determine if your credit union will continue to have enough capital under changing market conditions. Asset/Liability Management (ALM) is the term employed for the various tools and philosophies used to estimate future changes in capital. There is no single ALM method or best measuring system. That is because ALM is as much art as science. This webinar will look at various concepts, tools, and measurements that credit unions use to help understand what changing market conditions may do to capital.

HIGHLIGHTS

Basic concepts of loan/deposit management
How gap analysis can help estimate future changes in net income
How computerized income simulations can help management
Understand what NEV is and what a useful tool it is in predicting risk
Sample ALM process that can be used monthly

TAKE-AWAY TOOLKIT

Capital growth calculator – a simple Excel-based calculator that allows you to use asset growth, predicted ROA, and capital to determine where the credit union will be up to five years from now
Dash board template to help monitor key ratios over time.
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session is designed for directors, Supervisory Committee members, CEOs, managers, and senior management.

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.

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.

> Webinar: Avoiding Loss at the Teller Line

Wed, 17 Jul 2013 12:00:00 GMT

Every day, frontline personnel help members with financial transactions. Most of the time, those transactions are uneventful. But what about instances when a teller is faced with an unusual transaction, unusual behavior, or situations that require extra due diligence? Often, this doesn’t even involve extraordinary situations. Yet the credit union may still take a loss, whether from a bad check, identity theft, elder financial abuse, or dealing with someone who may not have authority on an account. In addition, what about simple human mistakes?

From verifying someone’s authority to transact to recognizing suspicious activity, every teller should strive to improve performance and guard against loss. How do you deal with endorsement issues, account-ownership disputes, and schemes designed to defraud? How can you protect the member and the credit union? How does your position on the frontline uniquely enable you to avoid loss? What if a member is trying to “pull a fast one” on you? Join us for this webinar and learn how to spot certain signs and activities that indicate fraud attempts.

HIGHLIGHTS

Who can negotiate a check, including checks payable to multiple parties or to someone in a fiduciary capacity?
What are some common tricks that will help spot an imposter/identity thief?
How to identify potential loss situations from common scams
How Red Flags for Identity Theft and BSA/Anti-Money Laundering training benefits you daily
How can you ask more questions about a suspicious transaction without alienating a member?

TAKE-AWAY TOOLKIT

Checklist of common financial scams
Internet reference links to materials on fraud
Scam lobby poster from the FBI
Fraudulent check warning signs
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session is designed for tellers, member service representatives, new accounts staff, and supervisors.

ABOUT THE PRESENTER – Mary-Lou Heighes, CUCE, Compliance Plus, Inc.
Mary-Lou Heighes is President and founder of Compliance Plus, Inc. Involved in the credit union movement since 1989, she spent 5 years working in credit unions in almost every position, including loan officer, marketer, and collector. She also worked at the California Credit Union League for 7 years, providing compliance assistance and advising credit unions of regulatory changes. While at the league and for several years thereafter, Mary-Lou advised on state and federal legislative issues.

Compliance Plus, Inc. was founded in 2000 to provide compliance assistance to credit unions. Since then, Mary-Lou has helped credit unions with developing compliance programs, provided compliance training nationwide, and spoken at numerous credit union conferences throughout the country. She has been an instructor at Regulatory Compliance Schools, conducts dozens of webinars for credit-union-related organizations throughout the country, and has written articles for Credit Union Magazine.

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.

> Quick Bite: Collateral Recovery – Advanced

Thu, 18 Jul 2013 15:00:00 GMT

Loans secured by collateral such as motor vehicles, manufactured homes, watercrafts and business/industrial equipment require special attention upon default. Time is of the essence when trying to recover collateral.

In this advanced session, experienced attorney Richard P. Sulkowski will delve into complex issues involving local, state and federal matters effecting collateral, including:

Confiscation and Seizures
Repair Shops and Storage Liens
Commercial Equipment Issues
Unauthorized Sale of Business Equipment
BFP/Buyer in the Ordinary Course of Business
Amercement
Bankruptcy

Speaker: Richard Sulkowski is the Managing Attorney of the Chicago office of Weltman, Weinberg & Reis and practices in Consumer Collections, focused on the General Consumer Collections, Credit Union and Collateral Recovery/Replevin Groups. He earned a BA cum laude in Political Science from Loyola University Chicago in 1979 and a J.D. from Loyola University Chicago School of Law in 1982. A member of the American and Chicago Bar Associations, Rick is licensed in Illinois and is admitted to practice before the U.S. District Court (Northern District of Illinois) and the Seventh Circuit Court of Appeals.

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 online 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: Interagency Appraisal & Evaluation Guidelines: Appraiser Selection, Review, Policies...

Thu, 18 Jul 2013 19:00:00 GMT

Webinar: Interagency Appraisal & Evaluation Guidelines: Appraiser Selection, Review, Policies & Procedures

Financial regulators are reviewing your institution’s real estate appraisal practices for compliance with regulatory guidance statements and regulations. They expect management to have developed an appraisal and evaluation policy that provides guidelines for obtaining appropriate valuation documents, including ordering and reviewing the documents; on-going monitoring of market values in your lending area; and obtaining updated or new valuation documents as required by guidance statements and/or regulations. Additionally, management must prepare for required changes to their current appraisal process for higher-priced mortgage loans, effective January 18, 2014. This session will also discuss appraisal weaknesses that financial regulators have cited in legal documents in filings against failed financial institutions.

HIGHLIGHTS

Adequacy of current program
- Independence
- Engagement letters
- Communications between staff and appraiser
- Review process
- Resolution of deficiencies
- Documenting appraiser/evaluator’s performance
- Required referrals to regulators
Upcoming required changes
- Appraisals for higher-priced mortgage loans: joint statement final rule
- Covered loans and exempt loans
- Required changes
Collateral valuation requirements
- At loan origination
- Life-of-loan monitoring
  - Business loans – annual review
  - Residential 1-4 family mortgages including junior liens
- Refinance or additional loan
- Loan modifications and workout loans
- TDRs and collateral-dependent loans
- OREO properties

TAKE-AWAY TOOLKIT

Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session is directed to senior management including CEOs, CFOs, treasurers, risk managers, auditors, loan review personnel, loan officers, and anyone responsible for analyzing and documenting real estate loan transactions.

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.

> Free Webinar: Getting the Most from CU PolicyPro

Tue, 23 Jul 2013 14:00:00 GMT

Learn how to get the most from CU PolicyPro, an online resource with more than 200 credit union specific model operations policies. In partnership with the New Jersey Credit Union League, affiliated credit unions now have FREE access to CU PolicyPro from League InfoSight. Because your credit union is unique, CU PolicyPro not only includes the model policy content, but a full policy management system that lets you customize any model policy to fit your credit union’s individual operations. Your existing polices can also be added to and maintained within the system. CU PolicyPro’s publishing tool lets you compile multiple policies into one printable document that can be posted in read-only format for staff, board or examiners to view.

This new user training session is designed to help you take full advantage of CU PolicyPro’s extensive features. Take this time to learn how to customize the model policies for your credit union; keep policies up-to-date; manage user access; and provide your staff, board members, and examiners access to your policies. The session will also include a question and answer period to help you learn specific ways to best use CU PolicyPro in your credit union.

Speaker: Mary Ann Koelzer, Product Manager/Technology Products, CU Solutions Group
Mary Ann Koelzer is the product manager for technology products and works with hundreds of credit union clients throughout the country. In addition to providing client support, she assists with product development with an emphasis on improving the user experience. She has been with CU Solutions Group since its inception and has spent more than 14 years working in the credit union industry.

There is No Charge to Participate in this Webinar

Note: Attending this Webinar qualifies as education for the
Compliance Certification Program

The Webinar log-in instructions will be emailed to you directly from CU Solutions Group prior to the start date.

To register for this session, send an email to Mary Zelinsky at mzelinsky@njcul.org.

> Webinar: Compliance Rules All Staff Must Know: Red Flags for ID Theft, Bribery & Privacy

Tue, 23 Jul 2013 19:00:00 GMT

Perpetrators just keep getting smarter and craftier! Red Flags for Identity Theft, the Bribery Act, and the Privacy Act require regular training for ALL employees. Examiners report that they are not seeing sufficient training in these areas. This session will cover the specific types of identity theft that staff may encounter – from lending to frontline to operations. In addition, you’ll learn about bribery technical requirements that should be included in policies and procedures. The section on privacy will provide “common sense” information regarding everyday handling of consumer information.

The materials will include training tools and useful resources for monitoring and effectively managing compliance. This session will cover these three areas in enough depth to fulfill training requirements and arm your staff with the necessary information to ensure successful regulator review.

HIGHLIGHTS

Red Flags for Identity Theft: What should different departments know? What are indicators that a member’s identity may have been compromised?
Bank Bribery Act: Sample policy language (a code of conduct of sorts) to ensure strong policy
Privacy of consumer financial information sample policy language

TAKE-AWAY TOOLKIT

Cheat sheet of Bank Bribery Act major requirements to teach employees the rules
Cheat sheet of consumer privacy chief requirements
- Handout will include policy language for both to help develop or strengthen policy

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 separate 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 all staff, especially 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 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.

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.

> Bank Secrecy Act Training for Frontline Staff (AM Session Only)

Wed, 24 Jul 2013 13:30:00 GMT

Who Should Attend? Tellers, teller supervisors, member service representatives and new account managers.

Value to be Gained: The NCUA requires all staff members to receive BSA training annually. In this 2- hour session, frontline staff will be trained in what they need know to comply with BSA.

Each Participant will receive a take-home quiz to test their BSA knowledge. To obtain a certificate, the participant must forward a completed quiz to the NJ Credit Union League. Upon receiving a passing grade of 80% or better, the League will prepare and mail the BSA Certificate. The quiz and certificate may be used to show examiners that employees obtained regular training and understand BSA requirements.

Topics and Objectives: The NCUA has stated that Bank Secrecy Act (BSA) compliance is one of its top priorities and key focus areas in exams. In fact, BSA is one of three areas that must be included in every examination. Frequently cited violations in BSA exams are: 1) lack of independent testing of a credit union’s BSA program, 2) inadequate or inappropriate training for staff and volunteers and, 3) lack of knowledge regarding, or failure to complete Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs) and, 4) the failure to identify suspicious activity.

This session will focus on:

When a CTR needs to completed and how to correctly complete a CTR
When a SAR is required and what is required to correctly complete a SAR
Identifying money laundering and suspicious activity
CIP and OFAC compliance; and
Customer due diligence requirements.

Note: This qualifies as an “in-person” session for the Compliance Certification Program.

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: 9:30 am – 11:30 am, lunch will be provided.

Tuition: $69.00

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: Reg Z

Wed, 24 Jul 2013 15:00:00 GMT

Regulation Z, the Truth in Lending Act, is one of the original compliance regulations and is still a point of scrutiny for Compliance Officers, Auditors and Examiners. In recent years there have been numerous changes to the regulations, including those recommended in the Dodd-Frank Wall Street Reform and Consumer Protection Act. Presenter Steve Gibbs provides an overview and perspectives on the regulation including:

Important Basics:

Disclosures
Open vs. Closed-End Lending - the debate continues
Advertising
Home Mortgage Transactions
Private Education Loans

CFPB Changes:

Recodification
Mortgage Servicing Proposal
Integrated Mortgage Disclosures
High-Cost Mortgage and Home Ownership Counseling Amendments
Ability to Pay Requirements
Updates

Speaker: Steve Gibbs manages Shared Compliance Resources (SCR), a program he developed and began over 6 years ago to provide compliance consulting and support to credit unions in the form of a “time share” format. SCR is a division of Credit Union Resources, Inc and the Texas Credit Union League (TCUL). His career of over 30 years in the financial industry includes service with the Federal Reserve Bank of Dallas, the Federal Home Loan Bank of Dallas (Office of Thrift Supervision - “OTS”), and the Federal Deposit Insurance Corporation (FDIC), where he achieved professional designations and awards. Steve holds CUNA’s Credit Union Compliance Expert (CUCE) and Bank Secrecy Act Compliance Specialist (BSACS) certifications. Prior to SCR, his positions at TCUL included Director of the Southwest CUNA Management School, Director of Information Central, and Lobbyist/Legislative Analyst.

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 online 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: Business Writing Boot Camp, Including Submission & Critique of Your Own Writing Sample

Wed, 24 Jul 2013 19:00:00 GMT

Effective business writing is an essential skill for member communications, career advancement, and business success. Your ability to write powerful, persuasive documents that command readers’ attention, communicate your message, and convey your leadership skills can help boost your credit union’s bottom line and polish your professional reputation. Whether you are an entry-level employee embarking on a new career, a mid-level manager being groomed for leadership, or a C-level executive communicating with decision-makers, effective business writing is integral to success.

Don’t let ineffective writing muddle your messages, confuse your members, or derail your career. Designed for credit union professionals who seek real and immediate improvement in their business writing, this entertaining, instructional program delivers. A must for anyone who writes on the job, this webinar is an investment in your career and your credit union’s assets, reputation, and future.

HIGHLIGHTS

Communicate clearly, concisely, and convincingly with internal and external audiences
Write effective email that is read and acted upon – not ignored and deleted
Write effective social media posts
Apply the rules of netiquette, or electronic etiquette
Write powerful, persuasive, precise business documents
Deliver bad news, answer challenging questions, and reply to troubling situations
Write for results, persuading even the most-difficult readers to take the desired action
Apply the top three secrets of professional business writers
Master tricks for starting quickly and capturing reader attention from the first sentence
Take the inverted pyramid approach to writing
Apply the ABCs (accuracy, brevity, clarity) of effective writing
Understand the real rules of grammar, punctuation, capitalization, and style
Write clear, concise, correct business documents that reflect professionalism and your credit union’s credibility

TAKE-AWAY TOOLKIT

Each participant may submit one brief (maximum 2 pages) writing sample for review and editing by the presenter within 10 days after the webinar
Comprehensive business writing toolkit, complete with content-rich handouts, hands-on exercises, and Business Writing Tips & Grammar Rules™ review
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This program is a must for anyone who writes on the job, from entry-level staff to credit union managers and C-level professionals. If you rely on email and traditional business documents to communicate with internal and external audiences, then you cannot afford to miss this informative session.

ABOUT THE PRESENTER – Nancy Flynn, The ePolicy Institute & Business Writing Institute
A recognized expert on workplace policy, communication, and compliance, Nancy Flynn is the founder and executive director of The ePolicy Institute and Business Writing Institute. She provides training, coaching, and consulting services to clients seeking to minimize compliance risks and maximize communication skills.

Nancy is the author of 12 books including The Social Media Handbook and Writing Effective E-Mail. An in-demand trainer, she conducts seminars, webinars, and one-on-one coaching for financial institutions, financial services firms, and other clients worldwide. She also serves as an expert witness in litigation related to workplace email and web use.

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 READ Meeting

Tue, 30 Jul 2013 14:00:00 GMT

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. 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.

Location:
NJCUL
299 Ward Street
Hightstown, NJ 08520

Time: 10 a.m. to 2 p.m.

To register, send an email to Mary Zelinsky at mzelinsky@njcul.org.

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

> Quick Bite: Finding Your Edge in a Crowded Market

Tue, 30 Jul 2013 15:00:00 GMT

At a time when the largest financial institutions hold nearly 50 percent of total U.S. deposits and industry consolidation is unrelenting; gaining a competitive advantage may seem like a thing of the past. Yet shifts in the economy and demographics have introduced a series of new opportunities for credit unions to be able to recognize them and respond accordingly.

This session will guide participants through three steps that they can follow to identify and take advantage of new market opportunities:

Researching your market,
Refining your brand position, and
Repositioning your institution to align with available market opportunities.

This session will help participants understand the connection between each of these steps and how these can and will drive profit as you seek to reposition your credit union for success in the post recessionary economy.

Speaker: Joe Sullivan is a consultant, a speaker, and an entrepreneur. He is the founder and CEO of Market Insights, and has over twenty years of experience working with community banks and credit unions. With a focus on both individual and organizational growth, Joe often challenges conventional thinking and works to create a sense of excited urgency with bankers because he believes that every business, including his own, must continually evolve to survive and prosper.

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 online 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: Directors: Understanding & Utilizing Call Reports for Credit Union Governance

Tue, 30 Jul 2013 19:00:00 GMT

The board is required to understand the basics of a balance sheet and income statement and be in a position 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 boards are faced with increasing pressure to stay informed of the complex regulatory and business realities of the financial services marketplace.

The 5300 Call Report is the backbone of the financial reporting system. The NCUA requires all federally-insured credit unions to submit this detailed financial information so they can assess the general financial health of the credit union 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 use the data to assist you with credit union governance? This session is designed to give you general guidance and practical tips for understanding 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
Understanding the available reports: From key ratios to full financial reports
Tips and tricks to gain the most from Call Report review

TAKE-AWAY TOOLKIT

Step-by-step guide to accessing Call Reports
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session is designed for credit union volunteers that need or want a basic understanding of their credit union’s financial health, especially 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 financial institutions 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 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.

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.

> Webinar: Complying with the Final 1073 International Remittance Rule: Deadline October 28, 2013

Wed, 31 Jul 2013 19:00:00 GMT

The rule is now final! As of October 28, 2013, all financial institutions will be impacted by the new CFPB 1073 international remittance rule (Subpart B to Regulation E). This subpart was established to protect consumers who initiate cross border money transfers, including wires, ACH (IAT), online bill pay, certain prepaid card loads, and sweep accounts.

Don’t let these changes put your financial institution at risk. Join us to learn about the recent amendments and their impact. All elements of the rule will be reviewed, including key requirements, practical considerations, and preparation steps you can take to comply.

HIGHLIGHTS

The Remittance Transfer Rule, new proposed amendments, and expected effective date
What qualifies as a Remittance Transfer, Sender, Recipient, and "Normal Course of Business"
Disclosure requirements for prepayment, receipt, and foreign languages
Accuracy requirements, exemptions, sender cancellation rights, and error resolution
Preparation steps: developing policies, assessments, and determining responsibility

TAKE-AWAY TOOLKIT

Sample disclosures
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session is designed for ACH operation staff, branch personnel, compliance officers, and AAP candidates.

ABOUT THE PRESENTER – Luann S. Kohlmann, AAP, NCP, WACHA
Luann serves as the Vice President of WACHA (The Premier Payments Resource), headquartered in Wisconsin. After many years in the financial industry Luann joined the WACHA team in 2003. She is responsible for development and execution of association member programs, including education, conferences, and publications. She also conducts ACH audits and risk assessments.

Luann has spoken nationwide, including NACHA’s Electronic Payments Conferences, and is very active in national councils and committees. She has been an Accredited ACH Professional since 2002 and became a National Check Professional in 2011.

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.

> Webinar: Ability to Repay Part 2 – What Your Lending Staff Needs to Do to Comply

Thu, 01 Aug 2013 19:00:00 GMT

Ability to Repay Part 2 – What Your Lending Staff Needs to Do to Comply:
Deadline January 10, 2014

The ability to repay concept is simple – make sure the borrower can pay before you make the mortgage loan. The CFPB’s final pronouncement on this simple concept contained 236,000 words. This webinar is the second of two presentations on this topic. It will address the management impact of the calculation rules and continue the discussion regarding the decisions management must make in the mortgage loan area. The program will focus on the second test for a “qualified mortgage” – debt to income. While you have been calculating this number for a long time, the CFPB has specific ideas on how it should be done – and they will likely require policy and procedure modifications.

The far-more problematic “residual income” issue and the impact this could have on your mortgage-decision process will also be covered. The session will conclude with the impact on balloon mortgages and the asset-liability management process. (The definition and impacts of “qualified mortgages” and “unqualified mortgages” and the “points and fees” test were covered in Part 1 on June 26).

IMPORTANT UPDATE:
This webinar will include changes announced by the CFPB on May 29, 2013.

HIGHLIGHTS

The concept
The new calculation methods required for debt to income
The impact of “residual income”
The impact on balloon lending, and the management decisions that must be made

TAKE-AWAY TOOLKIT

A calculation method that will assist in making the debt-to-income calculation, which you can edit to meet your individual needs
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

DON’T MISS PART 1!
This program is the second of two in a series. The archived webinar is still available for:
“Ability to Repay, Part 1 – New Rules that Impact Your Policies & Products: Deadline January 10, 2014”
(See June 26, 2013, on the archived webinar listing.)

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.

> Webinar: Home Equity/Second Lien Risk Management

Tue, 06 Aug 2013 19:00:00 GMT

In the “new normal,” all aspects of a financial institution’s business are expected to receive increased regulatory attention. Home equity and junior lien mortgage portfolios are no exception. This webinar will cover new regulatory guidance related to junior lien risk management practices and simple steps credit unions can take to ensure compliance. Regulatory compliance and risk management best practices will be addressed as well as underwriting and origination, account and portfolio monitoring, considerations when implementing line management actions (capping or freezing lines), loan modifications, and ALLL analysis.

HIGHLIGHTS

How the Interagency Guidance on Allowance Estimation Practices for Junior Lien Loans & Lines of Credit affects financial institutions
Tips on ensuring an adequate ALLL methodology is in place for junior lien portfolios
Dos and don’ts of a line management program (capping or freezing a borrower’s line)
Regulators’ expectations for monitoring the status of a borrower’s first lien mortgage
Best practices for underwriting, documentation, loan modifications, and product design

TAKE-AWAY TOOLKIT

Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session will benefit risk managers, senior credit personnel, loan officers, credit analysts, and those involved with the ALLL process.

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.

> Webinar: Assessing E-Banking Services & Delivery Channels: Strategic Deployment & Risk Assessment

Wed, 07 Aug 2013 19:00:00 GMT

As financial institutions try to maintain a competitive edge and expand online services, they often find challenges in offering a convenient member experience while keeping transactions secure, avoiding fraud, and complying with IT regulatory compliance (ITRC) standards. This challenge has hit new highs with the recent pressures financial institutions face with the mobile delivery channel.

What’s often not recognized is that successful deployment and management may require a paradigm shift in strategy. The FFIEC expects that financial institutions approach e-banking from the perspective of products/services delivered to consumers versus a traditional, internal-supporting technology perspective. This webinar will provide a comprehensive approach to mitigating risk and meeting regulatory expectations for e-banking strategies. Learn how to develop strategies and supporting activities that will provide a strong foundation for future growth and success in the e-banking realm.

HIGHLIGHTS

How the 2011 FFIEC Supplement to Authentication in an Internet Banking Environment should affect your financial institution’s strategies in implementing e-banking services
Inherent risks to the mobile delivery channel and associated mitigating controls
Top activities your management team should be concerned with when considering deployment of any new e-banking service or service component

TAKE-AWAY TOOLKIT

An e-banking strategic checklist
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session would best suit cash management staff, operations personnel, IT staff, information security officers, and compliance officers.

ABOUT THE PRESENTER – Jacqueline Marshall, CISM, Gladiator Technology
Jackie Marshall is Director of IT Regulatory Compliance for Gladiator Technology, a ProfitStars Solution. She is responsible for developing and maintaining IT regulatory compliance-oriented products and services for financial institutions throughout the nation. With over 25 years’ experience in the financial services industry, Jackie is a recognized expert who guides clients through state and federal compliance regulations, industry standards, and audit recommendations for IT and security issues.

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.

> Quick Bite: Understanding Endorsements

Thu, 08 Aug 2013 15:00:00 GMT

Having an understanding of endorsements is crucial to making sound check cashing decisions. A check is a unique type of contract where ownership can be transferred by way of the endorsement on the back of the item.

This Informative Session Will Cover:

Who is the person entitled to endorse the check?
What is a valid endorsement?
Bearer versus Order Checks
Who is the holder of a check and what is the holder in due course?
Ambiguous endorsements
Endorsements for minors
Endorsements for deceased parties
Witnessed endorsements
Endorsements for business accounts
Endorsements on income tax checks
Trustee and Power of Attorney endorsements

Speaker: Debbie Crawford is the President of gettechnical inc., a Baton Rouge based firm, specializing in the education of banks and credit unions across the nation. Her 23+ years of banking and teaching experience began at Hibernia National Bank in New Orleans. She graduated from Louisiana State University with both her bachelor’s and master’s degree.

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: Is Your Member Fully Insured by the NCUSIF? Best Practices & Common Mistakes

Thu, 08 Aug 2013 19:00:00 GMT

Share insurance coverage is important to your members. It seems to matter most to financially-savvy members with large deposit accounts. However, regardless of a member’s assets, credit union staff must be able to knowledgably answer questions about whether a member’s accounts are fully insured. Being able to confidently answer questions fortifies the trust members have in your credit union. Insurance on individual accounts, joint accounts, payable-on-death accounts, trusts, UTMAs, and business accounts will be covered.

HIGHLIGHTS

In this session you will learn proper calculation of federal share insurance on accounts such as:
How a husband and wife can have $2 million in your credit union and be fully insured
How a family of 4 can have $4 million and be fully insured
Why beneficiaries matter (and when they don’t)
Special rules for accounts over $1.25 million with more than 5 beneficiaries
Which accounts must be aggregated and which accounts are insured separately
What credit unions need to have under the share insurance rules
5 common mistakes that lead to share-insurance errors

TAKE-AWAY TOOLKIT

Share insurance chart
Examples of coverage
Links to the NCUSIF calculator and brochures
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session is designed for frontline staff, supervisors, branch managers, new accounts personnel, member service representatives, call center representatives and others who talk to members about establishing and managing credit union accounts.

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 Meeting: Topic TBD

Thu, 08 Aug 2013 21:30:00 GMT

Roundtable Topics TBD

Hosting Credit Union: XCEL FCU

Address:
1460 Broad Street
Bloomfield, NJ 07003

Agenda:

5:30 to 6:00 p.m.         Welcome and Introductions, Dinner
6:00 to 6:15 p.m.         Introduction of discussion topics
6:15 to 7:45 p.m.         Group Discussion followed by re-group for summary review
7:45 to 8:00 p.m.         Introduction of next Meeting Chair and Host CU for following meeting

To Register: Send an email to Mary Zelinsky at mzelinsky@njcul.org.

The NJ DNA sponsor, New Jersey Credit Union League (NJCUL), is represented by Barbara Agin, Director of Education and Training, and serves as NJ DNA Executive Director at our meetings. She is also the coordinator to be contacted with questions or concerns: bagin@njcul.org 800-792-8861 ext. 111.

> Quick Bite: ABC 123 Easy Planning Marketing Plan

Tue, 13 Aug 2013 15:00:00 GMT

Marketing is the core of the credit union. We'll help you jumpstart your planning and tactical marketing management in this lively session. Starting your strategic plan is just the beginning. This session will share the effective ways to get your strategic plan from the bookshelf and into the branch where it drives activity, focus and results. You’ll learn how to go from theory to actual planning and involving the entire organization!

Topics will include the following:

Easy strategic planning
Top 10 marketing tactics
Measuring your results

Session take-aways will include strategic plan samples and strategic guidelines.

Speaker: Bruce Clapp is a leading executive marketer with over 22 years of marketing expertise and the president of MarketMatch. During the past 19 years Mr. Clapp has served in various executive financial marketing leadership positions. Leading financial institutions with a local, regional and national scope into new product development, brand building and strategic planning success have been his career hallmarks. He has served in executive marketing and sales management roles at Bank One, Midfirst Credit Union, and Liberty Savings Bank. Prior to founding MarketMatch, Bruce championed a new financial institution consulting practice that focused on customer retention, acquisition, and loyalty marketing for the nation’s largest provider of value-added marketing.

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: Electronic Compliance: Tools, Policies & Best Practices for Email, Internet, & More

Tue, 13 Aug 2013 19:00:00 GMT

Webinar: Electronic Compliance: Tools, Policies & Best Practices for Email, Internet, Mobile & Social Media

Email, social media, mobile devices, and the web dramatically increase credit unions’ exposure to costly and protracted risks including lawsuits, regulatory investigations, security breaches, mismanaged business records, damaged reputations, productivity drains, and public relations nightmares. This webinar will review the electronic risks facing credit unions and provide best-practices-based rules, policies, and procedures to help reduce the likelihood of online disasters, while increasing compliance and enhancing communication. Learn why and how to develop and implement a strategic-policy-based compliance management program that combines written rules, employee training, and technology tools.

HIGHLIGHTS

How a strategic compliance management program can help you anticipate and deflect legal liabilities, regulatory disasters, security breaches, and other electronic risks
Best practices to ensure legal, regulatory, and organizational compliance
Why and how you must preserve, protect, and produce electronic business records
Creating effective email, web, social media, and mobile device policies
Conducting an annual e-policy audit
Best practices to manage content, use, records, and risks
The “3-Es” of electronic compliance management
Enforcing e-policies at work, home, and on the road
Tips for effective e-policy training
Supporting policy with best-in-class technology tools
Monitoring rules: reconciling privacy expectations with legal realities
Learning from real-life disaster stories

TAKE-AWAY TOOLKIT

Sample mobile device policy
Sample e-policy audit questionnaire
Social Media Rules tip sheet
Writing Effective Policies whitepaper
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session is a must for HR managers, lawyers, compliance officers, IT directors, and others who are responsible for the credit union’s electronic policy and compliance management program. In addition, anyone who communicates via email, social media, mobile devices, or the web will benefit.

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.

> Webinar: Understanding & Processing IRA Rollovers & Transfers

Wed, 14 Aug 2013 19:00:00 GMT

IRA rule changes over the past several years have expanded the portability options available to IRA holders. The increase in choices, while providing welcome new opportunities, comes with additional complexities. IRA members are posing difficult new questions. What are the considerations and consequences of rolling over funds from an employer-sponsored retirement plan into an IRA, versus an inherited or beneficiary IRA? This program is designed to assist employees who deal directly with members and those who work behind the scenes in the IRA support or operations areas. It will provide valuable information to both experienced staff and those who are new to IRAs. Join us to achieve a solid understanding of IRA rollover and transfer rules and responsibilities.

HIGHLIGHTS

Important characteristics of IRA rollovers versus transfers
Processing and reporting rollovers and transfers
Required and suggested forms and documentation, including review of a sample rollover certification form
Employer-sponsored plan to IRA rollovers considerations
Recognizing the difference between direct and indirect IRA rollovers
How to effectively address common questions about rollovers
Possible tax consequences when rolling to a Roth IRA

TAKE-AWAY TOOLKIT

Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This session will provide practical information to those who deal face-to-face with members or have IRA operational, compliance or reporting responsibilities. This session will also provide individuals who work in a management capacity with a solid understanding and appreciation of IRA rollover and transfer rules and the responsibilities that come with accepting rollover deposits.

ABOUT THE PRESENTER – Frank J. LaLoggia, LaLoggia Consulting, Inc.
Frank LaLoggia is the President of LaLoggia Consulting, Inc., Rochester, New York, a pension and financial consulting firm that assists financial organizations with ongoing support in the creation, development, and marketing of their retirement plans and financial-services offerings.

Nationally renowned, Frank coordinates and conducts pension and financial seminars and training programs throughout the United States. With over 35 years’ experience in employee benefits, and always in demand, his client list is impressive. He has assisted many leading financial organizations in the pension and financial services industries. Frank has achieved the designation of Deferred Compensation Specialist through Northeastern Universities Center for Continuing Education and The National Retirement Plans Training Conference.

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.

> Quick Bite: Sales and Service—Key Points to Get Started

Thu, 15 Aug 2013 15:00:00 GMT

In this session we will explore keys to developing a sales and service culture.

We’ll address the following:

The difference in a Member Centric and Product Centric Sales Focus
The difference in organizational culture and organizational focus
The four must haves to create culture.

Use this session to assess your credit union's sales culture or begin to learn how to develop a sales and service culture in your credit union.

Speaker: Michael Neill, is the President and founder of Michael Neill & Associates, Inc., and the author of two books, Creating and Maintaining a Credit Union Sales and Service Culture, and Coaching for Performance. Additionally Mike is one of the most sought after speakers in the Credit Union Movement. Prior to starting MNA in 1998, Mike worked as a senior executive where he led the credit union to a number two ranking, in member product penetration and in the top twenty-five in "value to member." In addition to an undergraduate degree in Organizational Development, Mike is certified as a Servant Leader, through Gonzaga University, and as an Executive Coach, by the International Coaching Federation. Mike is closing in on the completion of an M.A. in Organizational Leadership at Gonzaga University.

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: Dealing with Employee Leave of Absences, Medical or Otherwise

Tue, 20 Aug 2013 15:00:00 GMT

An employee calls on Monday. She is using a sick day. She calls in for two more days. She doesn’t have any unused time. She says she will bring a doctor’s note. Is this time off excused? Does this time qualify for FMLA? The doctor’s note says she was off due to an injury at work. Now what do you do? Employee absences can be difficult to administer and classify. Employee time off may impact department morale. This program will address how to treat employee time off, address excessive absences and the employees who may abuse time off policies. Participants will receive sample policies, forms and disciplinary documents which address excessive time off. Employee absences do not need to be complicated.

Speaker: Lynn Esp is Assistant General Counsel for the Illinois 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. She has represented management, including credit unions, in employment issues before state and federal agencies and courts, drafted employee guidelines, written articles and delivered presentations on the current issues in employment law. Lynn received her Bachelor of Arts degree from Boston College and her law degree from IIT Chicago Kent College of Law. She is licensed to practice law in Illinois and Wisconsin.

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: Underwriting Basics: Interviewing, Credit Reports, Debt Ratios & Reg B

Tue, 20 Aug 2013 19:00:00 GMT

This presentation will provide guidance for today’s regulatory standards for underwriting both consumer and business loans. Financial regulators continue to emphasize two points – verification and depth of documented support material. Insight will be provided from the presenter’s experience defending credit procedures brought in legal filings by financial regulators against two failed financial institutions.

HIGHLIGHTS

Regulatory emphasis – the essence of the credit
Significant points in Reg B (Equal Credit Opportunity Act) and the Fair Credit Reporting Act
The credit risk evaluation process
- The 5 Cs of credit
- Proposed ATR/QM rule
- Risk in a business credit exposure
Interviewing – making the most of the loan application interview
- Loan request information
- Documents to obtain or request during the application process
- Pre-qualification
Verify application information: asset ownership, deposit balances, appraisals, and evaluations
Underwriting consumer loans
- Income and debt issues
- Debt-to-income ratios
- Payment shock
- Using a risk-grading matrix
Underwriting business loans
- Cash flow analysis – which income and debt numbers to use
- Debt service coverage ratios
- Structuring the loan
Documenting the credit decision – approval document

TAKE-AWAY TOOLKIT

Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This presentation is for beginning and intermediate-skill level personnel including credit analysts, loan underwriters, commercial loan officers, loan review personnel, and directors on the Loan Committee.

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.

> Webinar: Modifications, Workouts & Rescue Options: Working with Troubled Members

Wed, 21 Aug 2013 19:00:00 GMT

Here’s a simple accounting rule that everyone understands: a loan is only an asset as long as the borrower pays on it. The trick is to keep the borrower paying on a loan when they face difficult times. With bankruptcy attorneys, loan sharks, bogus debt-solution firms, and credit doctors, the marketplace is filled with people offering your member an “easy way out.” What are you going to do about it?

Once a borrower begins to have financial problems, the credit union needs to communicate effectively and be ready to work toward finding a successful conclusion to the loan. To do this, you must understand the available workout options and how to use each one effectively. This session will provide effective techniques for early identification and intervention that focus on member service and creating a workable solution!

HIGHLIGHTS

Difference between delinquent and troubled members
Methods to identify emerging troubled members
Regulatory guidance of loan modifications
Creating a comprehensive solutions matrix
Tools and techniques for effective loan modifications
Policy requirements and guidelines

TAKE-AWAY TOOLKIT

Sample loan modification policy
Sample collections solutions matrix
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session would best suit executives, managers, loan officers, lending staff, accounting and finance staff, collections personnel, and others that deal with financially-troubled members.

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.

> Webinar: Effect of NCUA’s New Fair Lending Exam Procedures on Underwriting, Servicing & Collection

Thu, 22 Aug 2013 19:00:00 GMT

On March 19th, the NCUA issued guidance for federal credit unions (13-FCU-02) and a new 55-page Fair Lending Guide, which address exam procedures. Will you need to make changes in your credit union’s underwriting, servicing, and collection procedures? There are 50 checklist questions in the new guide that could impact these areas. Do you know how to answer the 10 most important questions? What are the chances your credit union will be examined under these guidelines?

Join us to learn the most current fair lending “red flags” and “hot buttons” as highlights of the new NCUA guide from the CFBP are reviewed. The 50 checklist questions related to underwriting, servicing, and collections will be addressed and you will understand how to effectively make any required changes to your policies and procedures. This session will help you to prepare for an NCUA fair lending exam.

HIGHLIGHTS

Will the Dodd-Frank Act change how your credit union makes and documents lending decisions?
Do your underwriting criteria need to be changed?
Fundamentals of fair lending, including best practices for inquiries, loan interviews, application processing, and documenting denials
What you should know about the new NCUA Fair Lending Guide
Will you need to make changes in how loans are serviced or collected?
What do you need to know about underwriting “qualified mortgages?” What about the new home ownership counseling requirements?
How an effective internal fair-lending review can detect problems before NCUA examiners arrive

TAKE-AWAY TOOLKIT

Fair-lending risk-assessment template that will help your FCU determine the quantity and quality of fair-lending risk
Checklists for preventing common lending-compliance mistakes in Regulation B technical compliance including an Adverse Action Guide
Analysis of the NCUA checklists for Reg B, fair housing, and HMDA
- Suggested best practices to prove compliance and reduce fair-lending risk, especially in underwriting, servicing, and collections
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session is designed for federal credit union compliance officers, underwriters, auditors, loan administration staff, and servicing and collection employees.

ABOUT THE PRESENTER – Susan Costonis, Compliance Consulting and Training for FIs
Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training. Most of her 34-year career was spent as a banker in several areas including lending, loan administration, electronic banking, and compliance risk management.

Susan has written numerous training manuals and successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has worked for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, 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 and “translates” complex regulations into simple concepts by using humor and real life examples.

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.

> Quick Bite: Turning Around Member Complaints

Tue, 27 Aug 2013 15:00:00 GMT

It is a proven fact, that an organization that successfully handles complaints, and resolves them effectively and efficiently, not only retains that business but gains additional business as well.

During this program, participants will learn a process that makes all the difference in turning around a complaint.

Specific topics include the following:

Understanding What Members Need And Want
Understanding Why Members Get Irate and Complain
How To Handle Complaints
The Role Of Communication
Forget The Golden Rule
It’s The Little Stuff!
The Importance Of The Unexpected
The Critical Conclusion – What Is At Stake
Specifics To Turn A Complaint Into A Positive Situation

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.

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: Understand Your Credit Union’s Financial Condition with Key Ratios, Balances & Estimates

Tue, 27 Aug 2013 19:00:00 GMT

Directors & Financial Literacy Session 1:
Understand Your Credit Union’s Financial Condition with
Key Ratios, Balances & Estimates

Few directors are financial experts, yet directors are expected to monitor and understand the financial condition of an institution with millions (or even billions) of somebody else’s money. Directors don’t need to become financial experts, but should know enough to recognize whether the credit union is strong and stable, or weak and troubled, before anyone else tells them.

This session will help every director understand the key numbers and ratios to monitor the credit union’s financial success. It will address capital (the critical measure of stability), explain why it is vital, where it comes from, and how much you need. The essential formula of profitability and a breakdown of the five profitability components will be covered.

Finally, this program will look at how varied business models result in ratios that may be very different from the peers or averages that are so commonly used. You will better understand how to monitor whether your credit union is on track, improving, or weakening.

HIGHLIGHTS

The importance of capital – what it is, where it comes from, how much is enough
The 5 components of profitability and how to monitor them
Making sense of the allowance for loan and lease loss (ALLL) estimate and how it is funded
How varied business models produce markedly different ratios and measurements
See a dashboard credit unions can use monthly to track their financial condition

TAKE-AWAY TOOLKIT

Sample directors’ financial literacy policy
A TEAM Resources financial dashboard
Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

DON’T MISS PART 2!

This program is the first of two in a series. Watch for
“Directors & Financial Literacy Session 2:
Monitoring & Measuring the 9 Risks Your Credit Union Faces”
on Tuesday, September 17, 2013.

WHO SHOULD ATTEND?
This informative session will be beneficial for directors, Supervisory Committee members, other volunteers, volunteers in training, CEOs, managers, and senior management.

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.

> Webinar: Protecting the SBA Guarantee Start to Finish

Wed, 28 Aug 2013 19:00:00 GMT

The U.S. Small Business Administration’s 7(a) loan program can help lenders mitigate their credit risk, reduce loan loss reserve requirements, increase profits from secondary-market sales, and most importantly, serve their business borrowers. However, if a lender fails to protect and preserve the SBA’s conditional loan guaranty, all benefits of the 7(a) program may be lost. This webinar will focus on how lenders can ensure that the SBA guaranty remains in place, from underwriting through servicing and liquidation.

HIGHLIGHTS

The four pillars of preserving the SBA guaranty
Eligibility review process
Avoid costly closing mistakes
Decipher the Lender’s Servicing and Liquidation Matrix
The first steps in liquidating an SBA loan

TAKE-AWAY TOOLKIT

Electronic training log
Quiz you can administer to measure staff learning and a separate answer key

WHO SHOULD ATTEND?
This informative session is designed for business development and loan officers, loan closers, administrators, and personnel responsible for post-closing, servicing, and liquidating SBA loans.

ABOUT THE PRESENTERS – Ethan Smith & Katie O’Brien, Starfield & Smith, PC
Ethan W. Smith is a partner in the law firm of Starfield & Smith, PC. His practice focuses on government guaranteed lending, commercial lending, banking, real estate and commercial law. Ethan is also a licensed title insurance agent for Chicago Title and Fidelity National Title in both Pennsylvania and New Jersey. A member of the National Association of Government Guaranteed Lenders (NAGGL), Ethan is a frequent speaker and serves as a member of its Associate Member Committee. He is also an affiliate member of the National Association of Development Companies (NADCO) and is qualified as a designated closing attorney under the SBA 504 Program. From 2005-2010, Ethan was named a Pennsylvania “Rising Star” by Philadelphia Magazine and is rated as an “AV Preeminent” attorney by Martindale Hubbell. He earned his BA from Johns Hopkins University in Baltimore, Maryland and a JD degree from the College of William and Mary School of Law.

Katie O’Brien is an associate in the law firm of Starfield & Smith, PC, where her practice areas include finance, real estate, contracts, and corporate law. She assists commercial lenders with loan documentation, closing issues, and drafting corporate and finance documents. In addition, she advises small businesses on regulatory and licensing matters at the state and federal levels, as well as corporate governance and transactional matters. Katie is admitted to practice in Pennsylvania and New Jersey. She obtained a Bachelor’s from Pennsylvania State University and a JD from Temple University Beasley School of Law.

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.

> Quick Bite: How to Improve Website Regulatory Compliance

Thu, 29 Aug 2013 15:00:00 GMT

Websites are subject to the same federal consumer protection laws and regulations as other marketing channels. However, we see credit unions often overlook the compliance requirements applicable to websites. During this session, we will discuss the root causes of compliance not being fully considered in the website process as well as how to better integrate compliance into the process.

Risks associated with non-compliant websites have never been greater. There are an unprecedented number of regulatory compliance changes impacting credit unions and websites have not been spared. Examiners will be spending more time reviewing credit union websites for compliance as the Consumer Financial Protection Bureau ramps up its compliance initiatives. To help prepare you, we will describe the most common compliance violations we find on credit union websites. We will provide actual examples of compliance violations and explain how to correct them.

Regulations and regulatory requirements covered include the following:

Regulation Z
Truth in Savings
NCUA Insurance Advertising
UDAAP
Regulation B
Equal Housing Lending Logo

Speaker: John Zasada is Principal in the Financial Institutions Group of LarsonAllen LLP. John is responsible for leading the regulatory compliance practice nationwide. John has 16 years’ experience assisting credit unions in complying with consumer protection regulations. The compliance services he provides includes assisting credit unions in establishing regulatory compliance programs, co-sourcing regulatory compliance, conducting compliance testing, training staff on credit union regulations, performing website compliance assessments, writing and editing the compliance newsletter, providing compliance webinars and BSA/AML/OFAC independent testing.

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: Blowing the Doors Off Business Development

Thu, 05 Sep 2013 15:00:00 GMT

Business development is not about bringing donuts to your select employee groups or passing out your business cards during chamber meetings. Business development is about positioning your credit union as a partner with key companies in your field of membership. If you want to grow your credit union’s membership then you must stop doing the same old routine and blow the doors off business development. As a seasoned executive who helped his credit union successfully add new SEGs and increase penetration levels with existing partners, Arnold offers information and ideas for improving your business development program.

This session covers the following:

Successful business development strategies
Partnering with existing SEGs to increase penetration levels
Using business services to enhance business development
Measuring, tracking an analyzing business development numbers
Business development tips and tactics

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. Arnold is a member of Neighborhood Credit Union’s senior management team, where he helps formulate solutions to organizational changes. Arnold chairs the credit union’s E-Tech team, which is responsible for implementing e-commerce and technology solutions to meet members’ needs.

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: Garnishment Rules: Including Accounts Receiving Federal Benefit Payments

Thu, 05 Sep 2013 19:00:00 GMT

Speaker: Elizabeth Fast, Spencer Fane Britt & Browne LLP

More information coming soon!

> Quick Bite: The Art of Skip Tracing **90 Minutes

Tue, 10 Sep 2013 15:00:00 GMT

This is the debt collectors’ Big Secret, the Ace in the Hole that makes people ask, “How did you get my number?” The art of skip tracing has also become a science, driven by new technologies and society’s mad use of social networks. Find out what’s hot, what’s not, what to ask and how to stay compliant.

Speaker: Sheila O’Leary is the manager of Creditors’ Resource Service, a full service collection agency for Credit Unions. Sheila has been with the Illinois Credit Union League for over 22 years and is a frequent industry speaker and instructor on collection and bankruptcy topics. She continuously lobbies for creditors’ rights as a Board Member and Immediate Past President of the Illinois Collectors Association and as an active member ACA International, the Association of Credit and Collection Professionals. She hosts collector roundtables and the ICUL Collection List serve.

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: Frontline: Detecting Counterfeit Items & Fraudulent ID

Wed, 11 Sep 2013 19:00:00 GMT

Speaker: Barry Thompson, Thompson Consulting Group, LLC

More information coming soon!

> Quick Bite: Responding to Subpoenas, Garnishes & Levis

Thu, 12 Sep 2013 15:00:00 GMT

The importance of protecting your member’s privacy and money can never be overstated. Consider how much time and effort is spent on training, technology and communication about privacy alone. And money? Ever hear from a member after a mistaken fee was assessed? Your members take these matters very seriously and they expect the Credit Union to do the same. So how do you respond if you are asked to reveal private information or hand over your member’s funds to someone else?

Given the fact that credit unions are tasked with safeguarding the privacy of member information and money, any exception to these duties must be handled carefully. Almost every applicable law, rule and regulation requires us to maintain the confidentiality of all member data and safe guard their property, but there are specific exceptions for subpoenas, garnishments and levies. To make matters worse, if you fail to properly respond there could be penalties placed against the Credit Union and its staff!

Speaker: David Reed David A. Reed is an author, consultant and nationally recognized speaker. He received his undergraduate degree from Virginia Tech in 1986 and his Juris Doctorate from George Mason University School of Law in 1989. Formally, Mr. Reed was Vice President and General Counsel for Apple Federal Credit Union in Fairfax, Virginia. In his role as chief legal officer he established institutional legal policy, provided legal advice to the Credit Union concerning a variety of matters including the establishment and revision of Credit Union policies and procedures, organization compliance with federal regulations, contractual agreements, regulatory matters, and corporate governance.

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: Handling Member Credit Report Disputes

Thu, 12 Sep 2013 19:00:00 GMT

Speaker: David Reed, Reed & Jolly, PLLC

More information coming soon!

> TeleCourse: Understanding FICO Scores & Recent Changes to the Model

Mon, 16 Sep 2013 15:00:00 GMT

The best lenders and collectors learn everything they can about the FICO credit score. The knowledge gained in this session will assist lenders and collectors in their daily jobs and it will also give them the confidence they need to assist members that want to improve their score.

Topics to be covered include:

The general formula that governs the score.
Understanding the role of scorecards.
Capacity is King!
Is the score headed higher or lower?
Actions that increase and lower a score.
Important changes to FICO model

Speaker: Brett Christensen is the owner of CU Lending Advice, LLC. As such, he works directly with credit unions in the U.S and Canada teaching and consults on various lending topics to professionals that work in the credit union industry. His personal and entertaining speaking style have also made him a popular and sought out speaker in the credit union industry.

Prior to forming his own company, Brett worked for four years as a lending consultant and trainer for Lending Solutions Consulting, Inc. of Elgin, IL. Prior to his job at Lending Solutions, Brett was the Chief Sales Officer of APPRO Systems, Inc. that purchased the Loan Link Lending Center which Brett managed as President for three 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.

> South-Central Chapter Meeting

Tue, 17 Sep 2013 16:00:00 GMT

Mark Your Calendars! More Info Coming Soon!

Date: September 17th, 2013

Time: 12 noon, luncheon

Location: Carlucci's Waterfront in Mt. Laurel, N.J.

> Webinar: Monitoring & Measuring the 9 Risks Your Credit Union Faces

Tue, 17 Sep 2013 19:00:00 GMT

Speaker: Tim Harrington, TEAM Resources

More information coming soon!

> Frontline Roundtable: Continuing the “Cross-Sell/Service” Conversation

Wed, 18 Sep 2013 14:00:00 GMT

Designed to continue practicing skills, this session will reinforce the importance of dialoguing with members. Conversations uncover needs and appropriate products and services meet those needs. Done effectively, small talk at the frontline can lead to increased growth at your credit union.

As a frontline series, this session will benefit those who have attended prior frontline roundtable sessions as well as first time attendees.

Facilitator/Speakers: Barbara Agin, Director of Education, NJCUL
Barbara Agin has been with the NJ Credit Union League for over six years and in that capacity has worked with many credit unions on service and cross-selling initiatives. Having come from the financial series arena, she is well versed is the pros and cons of the developing a sales/service culture.

Note: This session qualifies as an “in-person” session for the Marketing Certification Program. More information on this program is available by clicking here.

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

Time: 10:00 a.m. – 12:30 p.m.

Cost: $25, includes lunch

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

> Quick Bite: HMDA – Reg C

Wed, 18 Sep 2013 15:00:00 GMT

NCUA and other financial institution regulators will be reviewing Home Mortgage Disclosure Act (HMDA) data to determine what institutions may be subject to a Fair Lending examination, so it's important to know all you can about the requirements of HMDA and Regulation C. In this session, we'll talk about the major components of HMDA compliance including what credit unions must comply with the regulation, what loans are covered, and the information about each loan that has to be reported. You'll also hear about some "best practices" in HMDA reporting that will help your credit union stay compliant and hopefully off of the regulator's Fair Lending exam list.

Speaker: Kristen Tatlock CUCE, BSACS – Kristen joined the COMPASS team in February of 2011. She began her career with the Virginia Credit Union League in 1989. While at the league Kristen dealt with a wide variety of regulatory compliance matters. She responded to regulatory, legal, and technical inquiries raised by credit unions and staff. Kristen monitored rules and regulations affecting credit unions, researched and prepared operational and regulatory releases for distribution to credit unions, and responded to proposed rules and regulations. Kristen developed all of the compliance training programs presented by the Virginia Credit Union League staff and she provided in-house training for credit union personnel and volunteers on various compliance topics. She also served as the liaison to the League Regulatory Response Committee and Resolution Committee.

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: Compliance Rules Deposit Operations Must Know

Wed, 18 Sep 2013 19:00:00 GMT

Speaker: Ann Brode, Brode Consulting Services, Inc.

More information coming soon!

> Webinar: Skip Tracing Tools & Techniques

Thu, 19 Sep 2013 19:00:00 GMT

Speaker: David Reed, Reed & Jolly, PLLC

More information coming soon!

> Quick Bite: Unclaimed Property Compliance Best Practices

Tue, 24 Sep 2013 15:00:00 GMT

You already know unclaimed property is a complex and confusing beast. With audits increasing and fines getting larger, how can you effectively tame the unclaimed property beast? Join us for this 60-minute Quick Bite in which you and your colleagues will discover:

Processes and procedures for reporting unclaimed property
How to handle CD's & other hidden unclaimed property in your company
How to recognize unclaimed property audit red flags on your reports
2013 updates: Keys to complying in the new year
Keys to streamline your unclaimed property policies & procedures

Speaker: Tracy 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: Conducting the 2013 ACH Audit

Wed, 25 Sep 2013 19:00:00 GMT

Speaker: Shelly Simpson, EPCOR

More information coming soon!

> Quick Bite: Human Resources Forms, Personnel File & Record Retention ** 90 Minutes

Thu, 26 Sep 2013 15:00:00 GMT

Let’s face it, being an employer is not easy. Setting aside the employee issues, credit unions need to draft and retain documents. Sounds simple enough. But which documents does the credit union need to use for military leave? Family leave? Does it matter if it is for an employee’s spouse? What type of authorization is needed for criminal background checks? Is it different than consumer reports? How long is the retention period for documents? The FMLA says one time period which may conflict with the responsibilities under the FLSA. This seminar addresses these issues. Participants will receive documents needed to implement and administer human resources functions, such employment applications, applications for leave and a record retention chart. Credit unions will learn what forms are needed, when they need to be completed and for how long they will be retained.

Speaker: Lynn Esp is Assistant General Counsel for the 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. She has represented management, including credit unions, in employment issues before state and federal agencies and courts, drafted employee guidelines, written articles and delivered presentations on the current issues in employment law. Lynn received her Bachelor of Arts degree from Boston College and her law degree from IIT Chicago Kent College of Law. She is licensed to practice law in Illinois and Wisconsin.

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

> NJCUL's 79th Annual Meeting and Convention

Sun, 29 Sep 2013 04:00:00 GMT

The dates have been set for NJCUL’s 79th Annual Meeting and Convention! Join us September 29th through October 1st, 2013 at Trump Taj Mahal in Atlantic City!

NJCUL’s premier event will include informative and interactive breakout and general sessions, great opportunities to network and mingle with other industry leaders, a packed Exhibit Hall, an exciting dinner banquet complete with awards and entertainment, and much more!

This is one jam-packed event you don’t want to miss!

Registration materials coming soon!

> Quick Bite: Making the NCUA Exam a Positive Process – Your CU Rights

Tue, 01 Oct 2013 15:00:00 GMT

Credit Unions are one of the most highly regulated sectors in the economy. Does a visit from your examiner cause you to get heartburn? Relief may be at hand! Learn how to prepare for a productive examination process and what to do when you don’t agree with the results.

Speaker: David Reed is an author, consultant and nationally recognized speaker. He received his undergraduate degree from Virginia Tech in 1986 and his Juris Doctorate from George Mason University School of Law in 1989. Formally, Mr. Reed was Vice President and General Counsel for Apple Federal Credit Union in Fairfax, Virginia. In his role as chief legal officer he established institutional legal policy, provided legal advice to the Credit Union concerning a variety of matters including the establishment and revision of Credit Union policies and procedures, organization compliance with federal regulations, contractual agreements, regulatory matters, and corporate governance. David has been selected to train NCUA Field Examination and Audit staff on Bankruptcy matters.

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: Advanced Bankruptcy Issues

Tue, 01 Oct 2013 19:00:00 GMT

Speaker: Elizabeth Fast, Spencer Fane Britt & Browne LLP

More information coming soon!

> Webinar: From Prospect to Member: Skills & Tools for Successful Business Development

Wed, 02 Oct 2013 19:00:00 GMT

Speaker: Tim Tivis, Pinnacle Training Group

More information coming soon!

> Quick Bite: Best Practices in Used Car Lending

Thu, 03 Oct 2013 15:00:00 GMT

Who are the top credit unions in the US of A in used car lending? Tune in and discover

The secrets of the best used car lending credit unions.
How to make the marginal loans.
How to create a loan approval environment for used cars
How to price used cars to boost your loan to share ratio

Speaker: Rory Rowland has been the president of two credit unions and has an MBA in Finance from the University of Missouri, Kansas City and a BS in Economics from CMSU. Rory presents his high energy, fun and entertaining program so you walk away energized, entertained and focused. Over the last ten years, he has made presentations in all 50 United States as well as Canada and Mexico. His company motto is “We analyze the best to help the rest.”

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: Employee Fraud & Dishonesty

Tue, 08 Oct 2013 15:00:00 GMT

Employee dishonesty is a constant threat to all credit unions regardless of asset size or number of employees. Weak or nonexistent internal controls, infrequent supervisory reviews, and a lax attitude by management and the board of directors are all contributing factors. This session will include a discussion on the following:

CUNA Mutual Group’s statistics on employee dishonesty claims;
Case studies; and
Important internal controls to consider.

Speaker: Ken Otsuka is a Risk Manager in the Credit Union Protection Risk Management Department for CUNA Mutual Group. In this role, Ken assists credit unions in identifying areas of risk in their operations and recommends best practices to reduce loss exposure. He also provides training for credit union employees. He is based in Chicago, Illinois.

Ken joined Risk Management in 1990 after spending eight years as an auditor at another insurance company.

A graduate of Northern Illinois University, Ken earned a Bachelor’s Degree in accounting and a Certified Public Accountant designation in 1982.

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: Documenting Your Strategic Plan Years 1, 3 & 5: Meeting Examiner Expectations

Tue, 08 Oct 2013 19:00:00 GMT

Speaker: Jeffery Gerrish, Gerrish, McCreary, Smith, Consultants & Attorneys

More information coming soon!

> Webinar: Electronic & Hard-Copy Records: What to Keep, What to Destroy, What Holds Up in Court

Wed, 09 Oct 2013 19:00:00 GMT

Speaker: Elizabeth Fast, Spencer Fane Britt & Browne LLP

More information coming soon!

> Quick Bite: Share of Wallet – Are You Maximizing Your Existing Membership

Thu, 10 Oct 2013 15:00:00 GMT

The ultimate member loyalty test. What percentage of each member’s wallet is with your credit union? Maximizing existing relationships from the moment they open an account and beyond is more critical than ever. Everything from on-boarding programs for new members, to outbound calling campaigns, to the daily service experience matters. A lot. Julie will share with you examples from around the country on how credit unions are moving that needle toward an increase in share of wallet.

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.

> TeleCourse: Risk Based Lending: Best Practices in Challenging Times

Wed, 16 Oct 2013 15:00:00 GMT

In a challenging economy with high unemployment, increased bankruptcies, and low consumer confidence, successful credit unions must find ways to increase loan growth and profitability without increasing risks. Explore risk-based lending best practices that have proven to increase loan growth and profitability in a challenging economy. Learn how you can analyze credit reports and show members how they can improve their credit scores. Find out what you can do to strengthen relationships with your existing and new members seeking loans. Explore risk management strategies that help successful credit unions minimize losses and delinquencies.

Learn how you can cultivate a proactive lending philosophy that will bring in more loan opportunities and increase member loyalty.
Discover creative lending strategies that help you capture more profitable loans.
Explore risk-based lending practices that increase loan opportunities and profitability
Learn how to analyze a credit report and assess risks without using the credit score
Find out how you can help people improve their credit score to qualify for loans and get lower interest rates
Determine the best approach to turn unsecured loan requests into secured loan requests
Discover risk management strategies that can minimize losses and delinquenices

Speaker: Celeste Cook has worked in the credit union industry for 20+ years and has been a professional speaker and trainer for more than 15 years. She is President/CEO of cuStrategies, LLC, which provides consulting services and training programs to the credit union industry. Celeste previously worked for a $1.6 billion credit union in Atlanta, Georgia, and worked as a consultant with Rex Johnson of Lending Solutions Consulting. She is a keynote and motivational speaker as well as a consultant and trainer. Celeste conducts lending, business development, leadership, and sales and service training programs and schools.

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: Conducting an HR Audit: Compliance Risks, Audit Areas & Best Practices

Wed, 16 Oct 2013 19:00:00 GMT

Speaker: Kay Robinson, Robinson HR Consulting

More information coming soon!

> Quick Bite: Notary Public

Tue, 22 Oct 2013 15:00:00 GMT

It is essential for notaries to understand their duties and responsibilities and to know that they assume potential personal liability when serving in a notary capacity. Notaries are required in many transactions, from witnessing signatures on legal documents like affidavits and wills to administering oaths. However, there are times when notaries are uncomfortable with their role and/or the transaction and must act to deter fraud. Focusing on matters that are important in the industry, this session will teach notaries to understand and correctly handle all of their duties and responsibilities.

This session will cover the following:

Roles & purposes served by notary public
Duties & responsibilities of notary public
Most common errors made by notary public
Personal liability of the notary public
Reference to your state’s specific rules

Speaker: Jennifer Tomas is an Illinois attorney who focuses her legal practice on labor and employment law as well as commercial litigation. She received her law degree from the DePaul University in Chicago and her undergraduate degree from Albion College in Michigan.

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: Dealing with Adverse Action: What to Do & When to Do It

Wed, 23 Oct 2013 19:00:00 GMT

Speaker: Ann Brode, Brode Consulting Services, Inc.

More information coming soon!

> Quick Bite: Business Continuity Regulations & Examiner Expectations

Thu, 24 Oct 2013 15:00:00 GMT

A Business Continuity (Disaster Recovery) Plan isn’t just a component of the institution’s strategic plan – having one is also a regulatory requirement for every form of financial institution. The requirement for developing and maintaining the required, institution-wide Business Continuity Plan presents special concerns for the Security Officer who often also serves as the institution’s plan coordinator.

Presentation Topics

What Is A Disaster?
What Should A Business Continuity Plan Do?
What Are The Best Recognized Types of Disaster?
What Are The Most Commonly Reported Disasters?
What Will Likely Happen During A Disaster?
What Should Be The Goals Of The Business Continuity Plan?
How Should The Business Continuity Team Be Created?

Speaker: Dana Turner is a security practitioner with Security Education Systems – a research, consulting and training firm located in Pipe Creek, Texas. Dana has served as a law enforcement officer in several capacities, including the investigation of business and financial crimes.

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: HMDA Solutions: Achieving Data Integrity for Effective Fair Lending Analysis

Thu, 24 Oct 2013 19:00:00 GMT

Speaker: Susan Costonis, Compliance Consulting and Training for Financial Institutions

More information coming soon!

> Quick Bite: Advertising Regs for Lending 90 Minutes

Tue, 29 Oct 2013 15:00:00 GMT

Do you know what is required when the credit union wants to advertise its loan products? In this session, we will cover the trigger terms and associated regulatory requirements for closed end loans and open-end lines of credit both on the consumer and the mortgage loan side. There are also specific requirements if you have an application online that can be used to apply for a credit card or a Home Equity Line of Credit. In addition to Truth in Lending, and Equal Housing Act requirements, we will also spend time understanding the new implications caused by Dodd-Frank’s Unfair and Abusive and Deceptive Acts and Practices and how it will impact your marketing and promotion of the credit union’s loan products.

Speaker: Mary Lou Heighes CUCE, is President and founder of Compliance Plus, Inc. Mary-Lou has been involved in the credit union movement since 1989. She spent 5 years working in credit unions, in almost every position. Like many credit union veterans, she has worn many hats - loan officer, marketer, collector, and the all-encompassing OTHER DUTIES AS ASSIGNED. That background made for an easy transition to the Research and Information Department at the California Credit Union League where she spent 7 years providing compliance assistance through the Information Hotline and writing and editing TIPs bulletins advising credit unions to changes to regulations affecting credit union business.

Location: Via Telephone

Time: 11:00 am - 12:30 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: Critical Risk Factors in Loan Portfolio Management

Tue, 29 Oct 2013 19:00:00 GMT

Speaker: Kevin Graff & Cynthia Brzeski, Wipfli

More information coming soon!

> Webinar: Simplifying the Compliance Function: Tools, Checklists & Reporting to Keep You on Track

Wed, 30 Oct 2013 19:00:00 GMT

Speaker: Ann Brode & Angela Lucas, Brode Consulting Services, Inc.

More information coming soon!

> Quick Bite: 20 Things Your CU Should Do But Doesn’t

Thu, 31 Oct 2013 15:00:00 GMT

“Business as usual” no longer is. Our industry has changed immensely over the past few years. During this session, we’ll talk about 20 things Credit Unions should be doing today to ensure a successful present and future for their members. The best part: many of these actions can be implemented immediately with little to no cost.

Speaker: Michael Bartoo, spent 20 years in the Credit Union industry in a number of executive positions, including VP roles overseeing Lending, Operations, Marketing & Business Development and Sales & Service. He also concurrently served as President/CEO of a wholly-owned CUSO providing personal lines insurance and financial planning products.

Mike currently serves as the Chairman of the CUES Supplier Member Advisory Committee and, since 2004, has been a Regional Manager for MARQUIS. He is responsible for assisting community-based financial institutions deploy strategies and solutions to develop and focus their strategic sales and marketing objectives on producing results. He currently works with institutions in eastern Canada, US and the Caribbean.

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: Get More From Your Staff

Tue, 05 Nov 2013 16:00:00 GMT

This session will focus on coaching a winning team in the workplace. You will learn the 5 essential “ skills” of effective employee coaching and then the 6 “steps” to deliver effective coaching.

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: UDAAP: Civil Money Penalties & Examiners’ Findings on Unfair, Deceptive, or Abusive Acts

Tue, 05 Nov 2013 20:00:00 GMT

Speaker: Elizabeth Fast, Spencer Fane Britt & Browne LLP

More information coming soon!

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

Wed, 06 Nov 2013 20:00:00 GMT

Speaker: Stephen Schiltz, CliftonLarsonAllen LLP

More information coming soon!

> Quick Bite: Generating Revenue While Having Members Value Your Brand

Thu, 07 Nov 2013 16:00:00 GMT

While many front-line staff have had cross selling training, the prolonged down economy has taken a toll on the borrowing and use of financial services by consumers who have been impacted by it. To ensure the front line is tuned into the consumer mentality, this session will provide tips to cross-selling in a positive, rewarding way for both the member and the employee.

Tips that participants will gain from this training session are:

Making sure your nonverbal communication is appropriate for the stressed member
Using the right verbal communication for an empathetic conversation
Understanding how to cross-sell to men versus women with the gender differences
Leading cross sell tips to make the most of the time-challenged consumer
The session is designed to provide those tips that help front line staff create a better experience for members to set the stage for easier cross-selling to reach credit union goals.

Speaker: Nicolette Lemon founded LemmonTree Marketing Group, a full-service marketing agency, in 1984, providing strategic marketing solutions, MCIF analysis, and market research solutions to clients nationwide. From 2003-2010, with a team of advisors, she created and headed the faculty of the Credit Union Marketing University, a weeklong academically based program for which students earned Continuing Education Units (CEUs) from Arizona State University.

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: Advanced Endorsement Issues: POAs, Businesses, Trusts & More

Thu, 07 Nov 2013 20:00:00 GMT

Speaker: Mary Lou Heighes, Compliance Plus, Inc.

More information coming soon!

> Webinar: Mobile Payments for Credit Unions: Impacts, Choices & What to Do Next

Wed, 13 Nov 2013 20:00:00 GMT

Speaker: Lee Wetherington, ProfitStars®

More information coming soon!

> TeleCourse: Account Administration

Thu, 14 Nov 2013 16:00:00 GMT

This seminar will focus on certain aspects of share account administration that cause confusion – particularly, setting up accounts that involve fiduciaries and handling the accounts of deceased members. The discussion will cover credit union forms, as well as documents brought in by third parties.

Topics will include:

Documenting new accounts

Knowing your account terms
Joint account issues
Dealing with representative payees, trustees, and other fiduciaries

Deceased members’ accounts

Dealing with persons claiming funds
Dealing with various documents that may be presented

BYO forms: Have your credit union’s account agreement with you for reference.

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 its 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: Indirect Lending: Risks, Rewards, Controls & Common Mistakes

Thu, 14 Nov 2013 20:00:00 GMT

Speaker: Bruce Hull, CliftonLarsonAllen LLP

More information coming soon!

> NJ READ Meeting

Tue, 19 Nov 2013 15:00:00 GMT

Location:
NJCUL
299 Ward Street
Hightstown, NJ 08520

Time: 10 a.m. to 2 p.m.

To register, send an email to Mary Zelinsky at mzelinsky@njcul.org.

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

> Quick Bite: Preventing Chargebacks and Losses

Tue, 19 Nov 2013 16:00:00 GMT

Each and every day, you as a credit union employee handle documents and cash worth thousands of dollars. You work in the only industry that handles an item that everyone wants, cash! Because of this, you must constantly be alert to what some will do to fraudulently obtain what is not theirs. A former security officer stated, “When who you work with starts looking like cash, it is time to get a new job”. This program will teach you some of the skills needed to combat losses. You will learn the one most critical item to minimizing losses and the one step which will prevent many losses from occurring.

Topics that we will discuss include:

• The Most Important Element to Reduce Losses

• A Key Process to Reduce Teller Losses

• The Three Most Important Letters And One Word To Protect An Organization

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.

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: Fair Labor Standards Act: Sorting the Dos & Don’ts of Exempt & Non-Exempt Pay Issues

Tue, 19 Nov 2013 20:00:00 GMT

Speaker: Kay Robinson, Robinson HR Consulting

More information coming soon!

> Quick Bite: Ten Steps to Building & Maintaining a Successful Compliance Program

Thu, 21 Nov 2013 16:00:00 GMT

With all of the regulatory compliance changes that have taken place this year, it is more important than ever to have a solid regulatory compliance program. The changes are broad in scope, complex and require a coordinated approach to comply with provisions.

Examiners will be spending more time reviewing credit unions for compliance as the Consumer Financial Protection Bureau has ramped up its compliance initiatives. This session will focus on the elements critical to every regulatory compliance program. We will discuss how compliance has changed over the past couple of years and how your compliance function must adapt. We will look at credit union best practices and how you can incorporate these into your credit union. Not every credit union has the same resources to devote to compliance, but we will discuss several ways you can significantly improve your existing compliance program and in turn your credit union’s overall compliance performance.

Speaker: John Zasada is Principal in the Financial Institutions Group of LarsonAllen LLP. John is responsible for leading the regulatory compliance practice nationwide. John has 16 year’s experience assisting credit unions in complying with consumer protection regulations. The compliance services he provides includes assisting credit unions in establishing regulatory compliance programs, co-sourcing regulatory compliance, conducting compliance testing, training staff on credit union regulations, performing website compliance assessments, writing and editing the compliance newsletter, providing compliance webinars and BSA/AML/OFAC independent testing.

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: Form 1099 Reporting: Third-Party Vendors, Foreclosures, Debt Forgiveness & More

Thu, 21 Nov 2013 20:00:00 GMT

Speaker: Elizabeth Fast, Spencer Fane Britt & Browne LLP

More information coming soon!

> NJ DNA Meeting: Topic TBD

Thu, 21 Nov 2013 22:30:00 GMT

Roundtable Topics TBD

Hosting Credit Union: Internet Archive FCU

Address:
2 Kirkpatrick St.
New Brunswick, NJ 08901

Agenda:

To Register: Send an email to Mary Zelinsky at mzelinsky@njcul.org.

> Quick Bite: Transforming Call Centers into Contact Centers

Tue, 26 Nov 2013 16:00:00 GMT

Technology is transforming traditional call centers into interaction hubs that support multiple channels, operate in virtual models, generate revenue, and enable shared services. Of course, staff training and credit union culture will be important factors in the transition, but technology investments will be key enablers to satisfying busy members who increasingly have come to expect 24/7 support and information. This timely session will take a look at loan by phone, outbound, remote agents, cloud communications, email, chat, voice recognition & biometrics, and social media communications.

Speaker: Thomas Wright is the Editor and Publisher of the Credit Union tech-talk newsletter and has over twenty years computer industry experience including consulting and project management experience as well as a technical support and training background. While working for Citibank, MCI, and Microsoft, Tom technically managed large and complex IT projects such as an Internet home banking rollout, a data warehousing project, and CD ROM statements to Internet conversion. Additionally, he has provided consulting, training and technical support to numerous small businesses, governmental agencies and 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: Compliance Update on Nonresident Alien Accounts: Opening, Tax ID Numbers, IRS Issues & Mo

Tue, 26 Nov 2013 20:00:00 GMT

Speaker: Mary Lou Heighes, Compliance Plus, Inc.

More information coming soon!

> Quick Bite: FACT ACT

Tue, 03 Dec 2013 16:00:00 GMT

This training is important to credit union examiners and a credit union’s ITPP requires annual reporting to be in compliance. This session will ensure you stay up to date and you will learn what your credit union needs to do! Our speaker will cover the following:

· Accuracy and Integrity

· Pre-Screen Opt Out notice

· Credit Score Disclosure on Adverse Action Notices

· Credit Score Disclosure on Risk Based Pricing Notices

Speaker: Chris Mathiesen is a Supervisor with the McGladrey LLP Risk Advisory Services Credit Union Practice. He has nine years experience in the financial industry, focusing on Regulatory Compliance for the past six years. Prior to joining McGladrey LLP, he was a Compliance Analyst/Auditor and Technical Writer for a privately owned mortgage lender in Southern California and the Compliance Manager for a Southern California commodities brokerage firm.

Chris’ primary focus involved compliance requirements for loans sold on the Secondary Market, HMDA reporting, and any other regulatory compliance related issues that arose from internal or external investor audits. He began his career in the financial industry working for a large nationwide retail bank where his responsibilities included ensuring the safety of clients in the event of large money transactions, monitoring suspicious account activity, and working with law enforcement and branch personnel regarding security breaches.

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: Avoiding Liability in the Collection Process

Tue, 03 Dec 2013 20:00:00 GMT

Speaker: Elizabeth Fast, Spencer Fane Britt & Browne LLP

More information coming soon!

> Webinar: A Fresh Look at Robbery Preparedness

Wed, 04 Dec 2013 20:00:00 GMT

Speaker: Barry Thompson, Thompson Consulting Group, LLC

More information coming soon!

> Quick Bite: Media Matters

Thu, 05 Dec 2013 16:00:00 GMT

In today’s world, reaching audiences is important to your growth. Media, both traditional (broadcast and print) and non-traditional (social media, blogs, online) is one of the best conduits for your credit union messaging. With an industry awareness rate of only 6%, your credit union story needs to be heard now more than ever. Anne Legg, who is not only a Credit Union insider, but a former working member of the media, will provide you with you some examples of how other credit unions are using media to share their credit union story as well as some easy tools you can implement right away to get your message heard.

Speaker: Anne Legg is the VP of Marketing for the California based Financial Partners CU. Prior to Financial Partners, Anne held the Vice President of Marketing position for Cabrillo Credit Union in San Diego. During her 13 years at Cabrillo, she participated in two mergers, developed a new credit union brand, implemented quality programs, create a nearly, virtual auto dealership, and consistently grew loans year over year. Anne recently finished an eight-year term on the CUNA Marketing and Business Development Executive Council, eventually serving as Vice Chair and Chair for five years. She has also served on the Board of the Marketing Association of Credit Unions, and served as a member of the California and Nevada Credit Union League Public Advocacy Committee that was tasked for raising awareness of credit unions in the two states it serves.

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: Cracking the Code on Risk-Based Examinations: 10 Techniques to Ace Your Next Exam

Thu, 05 Dec 2013 20:00:00 GMT

Speaker: David Reed, Reed & Jolly, PLLC

More information coming soon!

> Webinar: Managing Day-to-Day ACH Risk

Tue, 10 Dec 2013 20:00:00 GMT

Speaker: Karen Sylvester, EPCOR

More information coming soon!

> Webinar: Documenting Your Required Information Security Program

Wed, 11 Dec 2013 20:00:00 GMT

Speaker: Dr. Kevin Streff, Secure Banking Solutions

More information coming soon!

> Webinar: 12 Steps to Effective Expense Control: Practical Techniques for Cutting Costs & Increasin

Thu, 12 Dec 2013 20:00:00 GMT

Speaker: Mike Moebs, Moebs $ervices, Inc.

More information coming soon!