Compliance Library

Our online Compliance courses quickly and efficiently train your staff on all compliance regulations and issues, reducing your risk of violating regulatory requirements.

Compliance Library

TRC Interactive’s online compliance courses quickly and efficiently train your staff on all compliance regulations and issues, reducing your risk of violating regulatory requirements. Strengthen your front line by keeping your personnel aware and informed!

Compliance Courses Include:

Compliance courses are purchased through BankTrainingOnline® and CreditUnionTrainingOnline®. These two training products are complete libraries of courses uniquely customized to incorporate your terminology and logo so that they have the ’look and feel’ of your very own training program. Loaded with enhanced graphics, animations and special effects, these online courses engage and involve trainees to increase retention and performance.

Full List of Online Courses Offered In BankTrainingOnline® and CreditUnionTrainingOnline®:

Teller Courses

  • All About Checks
    • Topics include how to determine if a check is legal and if it is completely and properly filled out, identify regular features of a check, basic steps in processing a check, and much more.

      Objectives:

      As a result of completing this program, you will be able to:

      • Determine if a document presented to you is legal, and if it is completely and properly filled out
      • Identify regular features of a check that are not legally required, as well as certain unique features found on some checks
      • Recognize special types of checks and how they are generally used
      • Explain the basic steps in processing a check

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • All About Deposits
    • Topics include different deposit types, debits and credits; split check deposit/cash back deposits, and much more.

      Objectives:

      As a result of completing this program, you will be able to:

      • Identify the deposit slips required for various types of accounts
      • Determine if a deposit slip is filled out correctly and completely
      • Recognize "Exact Amount" and "Change Back" deposits

      Audience:

      Management and Supervision, Teller and Other Personnel

      Approximate course length: 45 minutes – 1 hour

  • Balancing
    • Topics include the steps in the balancing process, how to determine if your drawer is balanced or not, procedures for overages or shortages, and much more.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the steps in the balancing process
      • Determine if your drawer is balanced or not
      • Know what to do if you are over or short

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Check Cashing Process
    • This course is designed for anyone interested in learning check cashing procedures including acceptable and unacceptable endorsements, supervisory approval, "On-Us" and "Not On-Us" checks, and much more.

      Objectives:

      As a result of completing this program, you will be able to:

      • Identify the factors to be considered in making decisions to cash or not cash
      • An "On-Us" check for a customer and non-customer
      • A "Not On-Us" check for a customer or a non-customer
      • Any check when part is taken in cash
      • Identify the types of endorsements acceptable and not acceptable for check cashing
      • Explain the importance of knowing and following financial institution policy and procedures in check cashing
      • Decide when to refer check-cashing situations for supervisory approval

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Counting Money
    • Topics include counting loose currency, strapping and wrapping, cash security, and much more.

      Objectives:

      As a result of completing this program, you will be able to:

      • Arrange and count currency using our prescribed method of counting
      • Strap currency and roll coins in the proper amounts
      • Set up cash drawers

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Endorsements
    • Topics include the most common types of check endorsements, how to identify what is acceptable and not acceptable, how to handle problems with endorsements, and much more.

      Objectives:

      As a result of completing this program, you will be able to:

      • Define the most common types of check endorsements used by individuals and businesses
      • Identify the types of endorsements acceptable and not acceptable for check cashing and check deposit purposes
      • Recognize several other types of endorsements and those that require supervisory approval for check cashing
      • Correctly handle several problems with endorsements

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 45 minutes – 1 hour

  • Importance of Identification
    • This course is designed for anyone interested in learning what are acceptable and unacceptable forms of identification, how identification protects you and the financial institution, when two forms are required, and much more.

      Objectives:

      As a result of completing this program, you will be able to:

      • How identification protects you and the financial institution
      • Acceptable forms of identification for check-cashing purposes
      • Unacceptable forms of identification
      • Situations in which two forms of identification are required

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 45 minutes – 1 hour

  • Payment Processing
    • Topics include types of payments, payment forms, additional, partial and late payments, and much more.

      Objectives:

      As a result of completing this program, you will be able to:

      • Identify which consumer loan products feature fixed payments and which involve variable payments
      • Recognize regular loan payment situations, when partial or additional payments are acceptable, and when late payments are required
      • Offer alternative payment options, such as ATM, Automatic Deductions and Online Banking

      Audience:

      Management and Supervision, Tellers and Other personnel

      Approximate course length: 30 minutes

  • Regulations for Tellers
    • This course covers Reg CC, Reg E, Consumer Privacy Act, Right to Financial Privacy Act, Truth in Savings (Reg DD), and Community Reinvestment Act.

      Objectives:

      This program will enable you to:

      • Define the purpose and goals of Regulation CC
      • Identify the laws and regulations that govern those systems under Regulation E
      • Understand the purpose and goals of Consumer Privacy Act
      • Understand how the Right to Financial Privacy Act affects you
      • Identify your responsibility under Truth in Savings (Reg DD), and how it applies to you
      • Define your role under the Community Reinvestment Act

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 45 minutes – 1 hour

  • Savings Withdrawals
    • This course is designed for anyone interested in getting an overview of savings withdrawals and the precautions when dealing with them.

      Objectives:

      As a result of completing this program, you will know the:

      • Requirements for properly completing a savings withdrawal
      • Precautions to be taken when processing a savings withdrawal

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Your Role as a Teller
    • This course is designed for anyone interested in learning about the responsibilities of a Teller as well as good customer relationship techniques.

      Objectives:

      As a result of completing this program, you will be able to:

      • Understand how to provide consistent quality customer service
      • Define the role of a Teller
      • Identify the elements of good customer relations and quality service

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • U.S. Currency
    • Topics include genuine currency, features of redesigned currency, counterfeit currency, mutilated currency, and much more.

      Objectives:

      As a result of completing this program, you will be able to:

      • Correctly identify features of genuine currency
      • Detect features of counterfeit currency
      • Explain the requirements for obtaining full value of mutilated currency

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

Compliance Courses

  • Americans with Disabilities for Management
    • This program is designed for Management and Supervision personnel to learn about the Americans with Disabilities Act (ADA), its employment practices, exceptions to confidentiality, ADA requirements, and accessibility standards..

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the purpose of the ADA
      • List who is protected under the ADA
      • Recognize your role and responsibility as a Bank employee in overseeing staff with disabilities
      • Determine the most effective way to communicate with and accommodate customers and staff with disabilities
      • Comply with the ADA when supervising and interviewing employees

      Audience:

      Management and Supervision

      Approximate course length: 30-45 minutes

  • Americans with Disabilities for Staff
    • This program is designed for anyone interested in learning about the Americans with Disabilities Act (ADA), its employment practices, exceptions to confidentiality, ADA requirements, and accessibility standards..

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the purpose of the ADA
      • List who is protected under the ADA
      • Recognize your role and responsibility as a Bank employee in overseeing staff with disabilities
      • Determine the most effective way to communicate with and accommodate customers and staff with disabilities

      Audience:

      Management and Supervision

      Approximate course length: 30-45 minutes

  • Anti-Money Laundering
    • This program is designed for anyone interested in learning, or reviewing responsibilities when opening new deposit accounts as defined under the Bank Secrecy Act, the USA PATRIOT Act, and the Office of Foreign Assets Control.

      Objectives:

      As a result of completing this program, you will be able to:

      • Correctly identify federal laws and regulations that apply when opening deposit accounts and their related services
      • Fulfill regulatory responsibilities at account openings in support of deterring money laundering and other criminal activities
      • Answer questions and address customer concerns regarding deposit accounts and related services both at and after account opening

      Audience:

      It is especially helpful for branch office personnel who open deposit accounts and handle questions relating to these accounts and related services.

      Approximate course length: 30 minutes

  • Appreciating Diversity for Managers
    • This program is designed for anyone interested in learning about diversity and the benefits of a multicultural workplace, including:

      • All management staff
      • Other staff moving into a (management) position

      Objectives:

      As a result of completing this program, you will be able to:

      • Identify and understand the benefits of diversity
      • Evaluate your own beliefs, attitudes, and values towards diversity
      • Identify "diverse voices" in the workplace
      • Manage a diverse work force effectively

      Audience:

      It is especially helpful to branch office personnel, Management and Supervision, Customer Service Representatives and other Personnel.

      Approximate course length: 30 minutes

  • Bank Bribery Act
    • This course is designed for anyone who needs or is interested in learning about the purpose of the Bank Bribery Act and the code of conduct and penalties for non-compliance with the guidelines.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the background of the Bank Bribery Act
      • Describe the purpose of the Act
      • Describe the importance of a code of conduct

      Audience:

      Management and Supervision, Financial Institution Officers and Other Personnel

      Approximate course length: 30 minutes

  • Bank Protection Act
    • This program is designed for anyone interested in learning about the procedures for ensuring the security of the financial institution and its branch offices.

      Objectives:

      As a result of completing this program, you will be able to:

      • Define the purpose and goals of a Security Officer
      • Explain the function of the Security Officer
      • Outline the procedures for opening and closing a branch office
      • List the procedures to be followed during and after a robbery
      • Explain how to lessen the danger of kidnapping or hostage taking

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 45 minutes

  • Bank Robbery
    • This course is designed for anyone who needs or is interested in robbery prevention and procedures to be followed before, during, and after a robbery.

      Objectives:

      This program will enable you to:

      • Be aware of the importance of practicing certain skills needed to help prevent a robbery
      • Act appropriately during a robbery if you are a victim
      • List the procedures to be followed after a robbery

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Bank Secrecy Act – For Customer Service Representatives
    • Topics include information about the Bank Secrecy Act, as it applies to Customer Service Representatives.

      Objectives:

      As a result of completing this program, you will be able to:

      • Identify the features of the Bank Secrecy Act, and its purpose
      • List the compliance programs required by the Bank Secrecy Act
      • Understand how to complete and submit required Bank Secrecy Act reports
      • Select the timeframes and procedures for maintaining Bank Secrecy Act reports
      • Assess why Bank Secrecy Act reports are required

      Audience:

      It is especially helpful to branch office personnel, Management, Supervision, Customer Service Representatives, and Platform Personnel

      Approximate Course Length – 1 hour

  • Bank Secrecy Act for Lenders
    • This course covers the features and purpose of the Bank Secrecy Act, how to complete, submit and maintain BSA reports, why the reports are required, and much more.

      Objectives:

      This program will enable you to:

      • Explain the purpose of the Bank Secrecy Act
      • Describe the responsibilities of financial institutions and lending personnel to comply with the Bank Secrecy Act
      • Recognize and report suspicious financial activities and transactions that originate from lending activity

      Audience:

      Lending Personnel

      Approximate course length: 30-45 minutes

  • Bank Secrecy Act for Tellers
    • This course covers the features and purpose of the Bank Secrecy Act, how to complete, submit and maintain BSA reports, why the reports are required, and much more.

      Objectives:

      This program will enable you to:

      • Identify the features of the Bank Secrecy Act, and its purpose
      • List the compliance programs required by the Bank Secrecy Act
      • Complete and submit required Bank Secrecy Act reports
      • Select the timeframes and procedures for maintaining Bank Secrecy Act reports
      • Assess why Bank Secrecy Act reports are required

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Bank Secrecy Act – The Overview
    • This program is designed for anyone who needs an overview of the provisions of the Bank Secrecy Act and the responsibilities of financial institutions. It is especially helpful for executives, branch managers and personnel who open accounts and service account holders.

      Objectives:

      As a result of this program, you will be able to:

      • Explain the purpose of the Bank Secrecy Act
      • Describe the responsibilities of financial institutions to comply with the Bank Secrecy Act
      • Recognize and report suspicious financial activities and transactions

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Board of Directors Overview
    • This course covers the challenges of the Board member, overseeing compliance and conditions, goals, risks, training requirements and ethics of the Board of Directors.

      Objectives:

      This program will enable you to:

      • Understand the challenges of the Board of Directors
      • Oversee compliance and conditions of the financial institution
      • Determine goals and risks of the bank
      • Analyze financial statements
      • List the training requirements

      Audience:

      New and existing Board members, as well as anyone interested in learning about the roles of a Board Member and the function of Board meetings.

      Approximate course length: 30 - 45 minutes

  • Branch Security
    • This course covers the purpose and goals of a financial institution security program, procedures for opening and closing, responding to bomb threats, and much more.

      Objectives:

      This program will enable you to:

      • Define the purpose and goals of a financial institution security program
      • Outline office security procedures from opening to closing
      • Define extortion and kidnapping and how to lessen the danger
      • Respond appropriately to a telephone bomb threat

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Check Clearing for the 21st Century Act
    • This program is designed for anyone interested in learning about The Check Clearing for the 21st Century Act.

      Objectives:

      As a result of completing this program, you will be able to:

      • Recognize and explain the use of substitute checks
      • Define financial institution responsibilities
      • Explain consumer rights and responsibilities

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Community Reinvestment Act
    • This course is designed for anyone interested in learning about the Community Reinvestment Act.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the purpose and objectives of the Community Reinvestment Act
      • List the responsibilities of banks in complying with the Community Reinvestment Act
      • Define the criteria used for a CRA exam and ratings by regulators
      • Explain CRA-related “covered agreements” and the provisions of Federal Reserve Regulation

      Audience:

      Management and Supervision, Lending Personnel and Other Personnel

      Approximate course length: 30 minutes

  • Consumer Leasing Act (Reg M)
    • This program is designed for anyone who deals with leasing operations within the financial institution.

      Objectives:

      As a result of completing this program, you will be able to:

      • Define the purpose and function of the Consumer Leasing Act (Regulation M)
      • Explain the difference between open-ended and closed-end leases
      • Outline the leasing disclosure implemented by the Consumer Leasing Act
      • Identify the general advertising requirements

      Audience:

      It is especially helpful to loan operations, lending departments and managers to understand the roles and responsibilities in dealing with customers during a lease.

      Approximate course length: 30 minutes

  • Consumer Protection for Depository Institution Sales of Insurance
    • This program is designed for anyone interested in learning about the regulation that protects consumers by imposing disclosure requirements on the sale of insurance by depository institutions, and by prohibiting certain sales practices.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the need for regulation of insurance sales to consumers by financial institutions
      • List the types of insurance coverage that may and may not be offered
      • Describe the acknowledgements and disclosures that are required with sales
      • Describe the disclosure requirements for advertising and promotion, and restrictions on sales activities

      Audience:

      Management and Supervision, Lending Personnel, and Other Personnel

      Approximate course length: 45 minutes – 1 hour

  • Customer Identification Program
    • This program is designed for anyone interested in learning about a Customer Identification Program.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the purpose of a Customer Identification Program
      • List the basic components of a CIP
      • Describe the responsibilities of financial institutions in implementing a CIP

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Elder Abuse for Customer Service Representatives
    • This program is designed for Customer Service Representatives who need an understanding of "Elder Financial Abuse," and their role in preventing it.

      Objectives:

      As a result of this program, you will be able to:

      • Recognize the warning signs of Elder Financial Abuse
      • List strategies for responding to suspicious behavior
      • Explain the importance of following internal procedures

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Elder Abuse for Managers
    • This program is designed for branch managers who need an understanding of "Elder Financial Abuse," as well as the role of Tellers and Customer Service Representatives in preventing it.

      Objectives:

      As a result of this program, you will be able to:

      • Recognize the warning signs of Elder Financial Abuse
      • List strategies for responding to suspicious behavior
      • Explain the importance of following internal procedures

      Audience:

      Management and Supervision

      Approximate course length: 30 minutes

  • Elder Abuse for Tellers
    • This program is designed for Tellers who need an understanding of "Elder Financial Abuse," and their role in preventing it.

      Objectives:

      As a result of this program, you will be able to:

      • Recognize the warning signs of Elder Financial Abuse
      • List strategies for responding to suspicious behavior
      • Explain the importance of following internal procedures

      Audience:

      Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Electronic Funds Transfer Act (Reg E)
    • This course covers the purpose and goals of the Electronic Funds Transfer Act, the laws and regulations of those systems, the obligations and rights of the providers of these services, and much more.

      Objectives:

      This program will enable you to:

      • Define the purpose and goals of the Electronic Funds Transfer Act
      • Identify the laws and regulations that govern those systems and help them operate efficiently and effectively
      • Define the obligations and rights of the providers of these services
      • Understand the responsibilities and rights of the users of these services

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Equal Credit Opportunity Act (Reg B)
    • This program is designed for anyone interested in learning about the Equal Credit Opportunity Act.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the purpose and scope of the Equal Credit Opportunity Act
      • Describe the financial institution’s obligations to the applicant and borrower
      • List the factors known as "prohibited bases"

      Audience:

      Management and Supervisors, Lending Personnel, Advertising/Marketing Personnel and Other Personnel

      Approximate course length: 30 minutes

  • Expedited Funds Availability Act (Reg CC)
    • This course covers what Regulation CC is and why it was created, how to complete, submit and maintain Regulation CC forms, why the procedures are required, and much more.

      Objectives:

      This program will enable you to:

      • Explain what Regulation CC is and why it was created
      • Describe the compliance programs required by Regulation CC
      • Complete and submit required Regulation CC forms
      • Explain the time frames and procedures for maintaining Regulation CC forms
      • Explain why Regulation CC procedures are required

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Fair and Accurate Credit Transactions Act (FACT Act)
    • This program is designed for anyone interested in learning about the Fair & Accurate Credit Transactions Act (FACT Act).

      Objectives:

      As a result of completing this program, you will be able to:

      • Define the FACT Act and what it entails
      • Understand the types of alerts under the Fair and Accurate Credit Transactions Act
      • Identify various notices and their content as they relate to the FACT Act
      • Define the financial institution’s responsibilities when dealing with the FACT Act

      Audience:

      Management and Supervision, Lending Personnel and Other Personnel

      Approximate course length: 30 minutes

  • Fair Credit Reporting Act
    • This program is designed for anyone interested in learning about the Fair Credit Reporting Act (FCRA).

      Objectives:

      As a result of completing this program, you will be able to:

      • Define FCRA and what it entails
      • Disclose necessary information to consumers when required, using proper notices
      • Define the financial institution’s responsibilities when dealing with FCRA

      Audience:

      Management and Supervision, Lending Personnel and Other Personnel

      Approximate course length: 30 minutes

  • Fair Debt Collection Practices Act
    • This program is designed for anyone interested in learning about the applicability of the Fair Debt Collection Practices Act to collection activities within financial institutions.

      Objectives:

      As a result of completing this program, you will be able to:

      • Relate the purpose of the Fair Debt Collection Practices Act
      • Explain the key to compliance for financial institutions
      • Describe the collection practices that are acceptable for financial institutions

      Audience:

      Management and Supervision, Lending Personnel, Collection Personnel, and Other Personnel

      Approximate course length: 45 minutes – 1 hour

  • Fair Housing Act
    • This program is designed for anyone interested in learning about the Fair Housing Act.

      Objectives:

      As a result of completing this program, you will be able to:

      • State the purpose of the Fair Housing Act and who is subject to its provisions
      • Understand the requirements of lenders under the Act
      • List the possible consequences of non-compliance for financial institutions

      Audience:

      Management and Supervision, Lending Personnel, Advertising/Marketing Personnel, Front line and Other Personnel

      Approximate course length: 30 minutes

  • Fair Lending
    • This program is designed for anyone interested in Fair Lending. It is especially helpful to Management and Supervision, and Lending Personnel.

      Objectives:

      This program will enable you to:

      • Understand Fair Lending, and how it relates to you
      • Define different types of discrimination
      • Assess if you discriminate, and how to stop

      Audience:

      Management and Supervision, Lending Personnel, and Other Personnel

      Approximate course length: 30 minutes

  • Federal Deposit Insurance Corporation (FDIC)
    • This program is designed for anyone interested in learning the general rules about FDIC Deposit Insurance and would like to be able to answer consumer questions regarding account insurance.

      Objectives:

      This program will enable you to:

      • Explain FDIC Deposit Insurance clearly and accurately
      • Define types of accounts covered by FDIC Insurance
      • Understand the rules governing insurance coverage well enough to explain the rules to consumers

      Audience:

      Management and Supervision, Lending Personnel, and Other Personnel

      Approximate course length: 30 minutes

  • Fraud
    • This course is designed for anyone who needs or is interested in understanding a number of common techniques used by con artists to defraud financial institutions and their customers, involving fraudulent checks, identification, and cash-related schemes.

      Objectives:

      This program will enable you to:

      • Recognize and handle con artists based on their techniques
      • Identify fraudulent and counterfeit checks
      • Avoid losses from common check and cash related schemes directed at financial institutions and their customers

      Audience:

      Management and Supervision, and Teller and Other Personnel

      Approximate course length: 45 minutes – 1 hour

  • Gramm-Leach-Bliley Act
    • This program is designed for anyone interested in learning about Title V of the Gramm-Leach-Bliley Act.

      Objectives:

      As a result of completing this program, you will be able to:

      • Prevent pretexting
      • Safeguard customer information in accordance with the Security Guidelines
      • Comply with The Privacy Rule through the dissemination of Privacy Notices with Opt Out Options

      Audience:

      Management, Supervisors, Tellers, and Platform Personnel

      Approximate course length: 45 minutes

  • The Health Insurance Portability and Accountability Act (HIPAA)
    • This program is designed for anyone who needs an introduction to the Health Insurance Portability and Accountability Act (HIPAA).

      Objectives:

      As a result of completing this program, you will be able to:

      • Describe two purposes of the Act
      • List reasons why financial institution staff need to be aware of HIPAA requirements
      • Respond appropriately to the need to safeguard personally identifiable health information

      Audience:

      Management, Supervisors, and all staff who come in contact with personally identifiable health information

      Approximate course length: 30 minutes

  • Home Mortgage Disclosure Act (HMDA)
    • This program is designed for anyone interested in learning about the Home Mortgage Disclosure Act.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the purpose of the Home Mortgage Disclosure Act
      • Explain the use of the Loan/Application Register
      • List the types of information that must be reported on the LAR

      Audience:

      Management and Supervision, Lending Personnel and Other Personnel

      Approximate course length: 30 minutes

  • Home Ownership & Equity Protection Act (HOEPA)
    • This program is designed for anyone interested in learning about the disclosures required to be made by creditors for certain high-cost closed-end loans secured by a consumer’s home, and prohibited acts and practices in connection with such loans.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the purpose of the Home Ownership and Equity Protection Act (HOEPA)
      • List the types of loans covered by the Act
      • Describe the required disclosures
      • List loan actions and practices prohibited by HOEPA and other features

      Audience:

      Management and Supervision, Lending Personnel and Other Personnel

      Approximate course length: 30 minutes

  • Identity Theft Red Flags and Address Discrepancies
    • This program is designed for anyone interested in learning more about the Identity Theft Red Flags and Address Discrepancy provisions of the Fair and Accurate Credit Transactions Act.

      Objectives:

      It is especially helpful for:

      • Tellers and platform personnel
      • Management and Supervisors

      It is especially helpful to:

      • Define identity theft
      • Recognize the red flags that point to identity theft
      • Explain the regulations in place to prevent identity theft
      • Follow procedures to help protect our customers from identity theft

      Audience:

      Management, Supervision, Tellers, and Other Personnel

      Approximate course length: 30 minutes

  • Information Security
    • This program is designed to provide general information on the responsibilities of financial institutions and financial institution employees regarding protecting confidential (customer) information.

      Objectives:

      It is especially helpful for:

      • Management and Supervisors
      • Lending Officers
      • Customer Service Representatives
      • Customer Contact Personnel

      It is especially helpful to:

      • Define the scope of Information Security
      • Explain the importance of protecting confidential (customer) information
      • Understand the role of financial institutions and financial institution employees in protecting sensitive (customer) information
      • Acknowledge the relevance of a comprehensive information security policy

      Audience:

      Management, Lending Officers and Staff, Customer Service Representatives, Tellers, Customer Contact Personnel, and Other Personnel

      Approximate course length: 35 minutes

  • Loans to Insiders (Reg O)
    • This program is designed for anyone interested in learning about basic restrictions on credit extended by a financial institution to its executive officers, directors, and principal shareholders.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the purpose of Loans to Insiders (Regulation O)
      • Define who is considered an "insider"
      • Define the restrictions regarding Regulation O

      Audience:

      Management and Supervision, Lending Personnel, Operations Personnel, and Other Personnel

      Approximate course length: 30 minutes

  • National Credit Union Administration
    • This program is designed for anyone interested in learning about how Credit Union accounts are insured.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the purpose and functions of the National Credit Union Share Insurance Fund (NCUSIF)
      • State the general qualifications for deposit insurance based on account type, ownership, and the type of coverage
      • Demonstrate the appropriate response to questions regarding deposit insurance

      Audience:

      Management and Supervision, Lending Personnel, Operations Personnel, and Other Personnel

      Approximate course length: 45 minutes

  • National Flood Insurance Program
    • This program is designed for anyone interested in learning about the Flood Disaster Protection Act and the financial institution’s responsibilities in implementing the Act.

      Objectives:

      As a result of completing this program you will be able to explain:

      • The basic purpose and objective of the Flood Disaster Protection Act
      • The organization and operation of the National Flood Insurance Program (NFIP)
      • Financial institutions’ responsibilities for implementation of the Flood Disaster Protection Act and the National Flood Insurance Program

      Audience:

      Management and Supervision, Lending Personnel, and Other Personnel

      Approximate course length: 30 minutes

  • The New Board Member
    • This program is designed for new and existing Board members, as well as anyone interested in learning about planning and making decisions at the Board level, planning and decision making at the committee level and tips for creating an effective Board.

      Objectives:

      At the completion of this course, you will be able to:

      • Understand the important process of welcoming a new Board Member.
      • Gain perspective of Board Meetings and Board Committee Meetings.
      • Recognize the need for significant planning by the Board of Directors.
      • Realize the vast responsibilities of a Board Member.

      Audience:

      New and existing Board members, as well as anyone interested in learning about the roles of a Board Member and the function of Board meetings.

      Approximate course length: 30 - 45 minutes

  • Office of Foreign Assets Control (OFAC)
    • This program is designed for anyone interested in learning about The Office of Foreign Assets Control (OFAC).

      Objectives:

      At the completion of this course, you will be able to:

      • Define what the Office of Foreign Assets Control is and how you can comply with it
      • Assess what to do when you have suspicions
      • Identify the countries on the OFAC list
      • Be aware of terrorism and how it can affect you

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Privacy of Consumer Financial Information (Reg P)
    • This program covers the basic responsibilities of financial institutions regarding the release or sharing of non-public personal information about customers to affiliated and non-affiliated third parties. It covers consumer privacy laws and regulations, Regulation P and the Gramm-Leach-Bliley Act, and much more.

      Objectives:

      After completing this program, you will be able to:

      • Explain the need for consumer privacy laws and regulations
      • Define the relationship of Regulation P to the Gramm-Leach- Bliley Act
      • Identify the responsibilities of financial institutions for protection of consumer non-public personal information
      • Respond appropriately to consumer questions regarding your financial institution’s privacy policy, notices and practices

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Prohibition on Funding of Unlawful Internet Gambling (Reg GG)
    • This program is designed for anyone interested in learning the details of Regulation GG's prohibition of gambling from knowingly accepting payments in connection with unlawful internet gambling, including payments made through credit cards, electronic funds transfers, and checks.

      Objectives:

      At the completion of this course, you will be able to:

      • Understand the objectives of the regulation
      • Assess which systems are affected
      • Understand the details of the policies and procedures that a financial institution should have in place to conduct proper due diligence and block unlawful transactions with respect to Regulation GG

      Audience:

      Management and Supervision, CSRs, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Real Estate Settlement Procedures Act (Reg X)
    • This program is designed for anyone interested in learning about providing the proper disclosures during the settlement process when purchasing a home.

      Objectives:

      As a result of completing this program, you will be able to:

      • Define the Real Estate Settlement Procedures Act (RESPA)
      • Understand the different types of disclosures required
      • Discuss the proper timing of disclosures

      Audience:

      Management and Supervision, Lending Personnel, and Other Personnel

      Approximate course length: 30 minutes

  • Recognizing Sexual Harassment for Management
    • This course covers recognizing sexual harassment, interpreting behavior, the legal view of sexual harassment, and hostile work environments for members of the management team.

      Objectives:

      As a result of completing this program, you will be able to:

      • Recognize sexual harassment in the workplace
      • Explain the legal view of sexual harassment
      • Recognize the differences between quid pro quo and hostile work environment harassment

      Audience:

      All Bank Management Staff

      Approximate course length: 30 - 45 minutes

  • Recognizing Sexual Harassment for Staff
    • This course covers recognizing sexual harassment, interpreting behavior, the legal view of sexual harassment, and hostile work environments for financial institution staff.

      Objectives:

      As a result of completing this program, you will be able to:

      • Recognize sexual harassment in the workplace
      • Explain the legal view of sexual harassment
      • Recognize the differences between quid pro quo and hostile work environment harassment

      Audience:

      All Bank Management Staff

      Approximate course length: 30 - 45 minutes

  • Reserve Requirements of Depository Institutions (Reg D)
    • This program is designed for anyone interested in learning Regulation D’s definitions of deposit accounts and their limitations, as well as Regulation Q prohibitions on paying interest on certain types of deposit accounts.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the purposed and objectives of the Federal Reserve Regulations D & Q
      • Define the common types of deposit accounts and the transaction limits on them required to maintain lower reserve requirements
      • Describe the types of accounts on which interest may not be paid and the entities that are not eligible to maintain interest bearing accounts

      Audience:

      Management and Supervision, New Accounts Personnel, and Other Personnel

      Approximate course length: 45 minutes – 1 hour

  • Right to Financial Privacy Act
    • This course is designed for anyone who needs to know or is interested in the basic responsibilities of financial institutions regarding the release or sharing of customer information with agencies of the federal government.

      Objectives:

      After completing this program, you will be able to:

      • Explain the need for financial privacy laws pertaining to requests for customer financial information by agencies of the federal government
      • Describe the key provisions of the Right to Financial Privacy Act
      • Respond appropriately to consumer questions regarding your financial institution’s privacy policy and practices

      Audience:

      Office personnel who manage, supervise, or function as customer service staff.

      Approximate course length: 30 minutes

  • Role and Responsibilities of the Board of Directors
    • This course is designed for anyone who needs to know or is interested in the significance of the Board of Directors, management strategic plan, reports and committees.

      Objectives:

      After completing this program, you will be able to:

      • Understand the role and responsibilities of the Board of Directors.
      • Analyze internal and external reports.
      • Participate in Board and committee level planning and decision making.
      • Understand the Board's role in a regulatory environment.

      Audience:

      Newly appointed and current members of the Board of Directors

      Approximate course length: 30 - 45 minutes

  • Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)
    • This course covers the Secure and Fair Enforcement for Mortgage Licensing Act's background and definitions, State of the Federal Registration, Origination, Timeline information, Requirements for Institutions, and Public access.

      Objectives:

      This program will enable you to:

      • Define the requirements of the S.A.F.E. Act
      • Identify how mortgage loan originators register with the Registry
      • Identify the requirements for Institutions related to the Registry
      • Describe public access to the Registry

      Audience:

      Management and Supervision, Lending Personnel

      Approximate course length: 30-45 minutes

  • Servicemembers Civil Relief Act
    • This course covers what the Servicemembers Civil Relief Act is, the APRs and rates available to those who serve our country, and much more.

      Objectives:

      This program will enable you to:

      • Define the Servicemembers Civil Relief Act
      • Identify the different APRs and rates available to those who serve our country
      • Assess when an account needs to be changed based on a military person’s active duty status

      Audience:

      Management and Supervision, Lending Personnel

      Approximate course length: 30 minutes

  • Suspicious Activity Reporting (SAR)
    • This program is designed for anyone interested in learning about Suspicious Activity Reporting.

      Objectives:

      As a result of completing this program, you will be able to:

      • Understand the purpose of Suspicious Activity Reports
      • Identify suspicious activity
      • Define financial institutions’ responsibilities when dealing with SAR

      Audience:

      Management and Supervision, Lending & Operations and Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Truth in Lending Act (Reg Z)
    • This program covers disclosure requirements for closed-end and open-end credit, including the right of rescission. In addition, you will learn about billing disputes, advertising disclosures and the potential penalties for non-compliance with Regulation Z.

      Objectives:

      As a result of completing this program, you will be able to:

      • Discuss the purpose and functions of the Truth In Lending Act (Regulation Z)
      • Define the financial institution’s responsibilities to the consumer regarding disclosures
      • Explain the difference between open-end and closed-end credit
      • Describe rescission periods
      • Understand Regulation Z advertising rules

      Audience:

      Management and Supervision, Lending Personnel, and Other Personnel

      Approximate course length: 30 minutes

  • Truth in Savings Act (Reg DD)
    • This program is designed for anyone interested in learning about the Truth in Savings Act.

      Objectives:

      As a result of completing this program, you will be able to:

      • Understand the requirements of the Truth in Savings Act
      • Understand the types of disclosures required
      • Understand the term APY
      • Understand the requirements for advertising deposit products

      Audience:

      Management and Supervisors, New Accounts Personnel, Advertising/Marketing Personnel, and Other Personnel

      Approximate course length: 30 minutes

  • Unfair or Deceptive Acts or Practices (Reg AA)
    • This program is designed for anyone interested in learning about unfair or deceptive acts or practices of financial institutions in connection with extensions of credit to consumers.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the background and purpose of the Unfair or Deceptive Acts or Practices also known as Regulation AA
      • Recognize unfair or deceptive practices
      • Explain consumer complaint procedures

      Audience:

      Management and Supervisors, Lending Personnel, and Other Personnel

      Approximate course length: 45 minutes – 1 hour

  • USA PATRIOT Act
    • This program is designed for anyone interested in learning about the USA PATRIOT Act.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the purpose of the USA PATRIOT Act
      • List new responsibilities of branch personnel under the Act
      • Define the requirements of a Customer Identification Program (CIP)
      • Identify activities likely connected with terrorists or terrorist organizations
      • State the conditions for sharing information about suspicious activities with other financial institutions

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

Compliance Courses for New Accounts

  • Compliance for New Deposit Accounts New Transaction Accounts
    • This program is designed for anyone interested in learning about, or reviewing, regulatory requirements, related to opening new transaction deposit accounts and certain related services, as mandated in the:

      • Gramm-Leach-Bliley Act & Reg P
      • Expedited Funds Availability Act & Reg CC
      • Electronic Funds Availability Act & Reg E

      Objectives:

      As a result of completing this program, you will be able to:

      • Correctly identify the requirements of federal laws and regulations that apply to transaction accounts and their related services
      • Fulfill regulatory responsibilities at account openings
      • Answer questions and address customer concerns both at and after account opening regarding deposit accounts and related services

      Audience:

      It is especially helpful for office personnel who open new deposit accounts and handle questions involving these accounts and related services.

      Approximate Course Length – 45 minutes

  • Responsibilities, Laws, & Regulations for New Deposit Account Opening
    • Topics include federal banking laws and regulations related to opening new deposit accounts.

      Objectives:

      As a result of completing this program, you will be able to:

      • Correctly identify federal laws and/or regulations that have application when opening new deposit accounts and their related services
      • State the responsibilities of new account opening personnel mandated by several federal laws and regulations

      Audience:

      It is especially helpful to branch office personnel, Management, Supervision, Lending Personnel, and Platform Personnel

      Approximate Course Length – 45 Minutes

  • Savings and Time Accounts
    • This program is designed for anyone with the need to learn about regulatory requirements related to opening and servicing Savings, Money Market, and Certificate of Deposit accounts, as mandated by:

      • Regulations D & Q
      • The Truth In Savings Act (Regulation DD)

      Objectives:

      As a result of completing this program, you will be able to:

      • Correctly identify federal laws and regulations that apply when opening time deposit accounts and their related services
      • Fulfill our regulatory responsibilities at account openings
      • Answer questions and address (customer) concerns both at and after account opening regarding savings and time accounts and related services

      Audience:

      It is especially helpful for office personnel who are preparing to assume the responsibilities of opening new accounts and handling questions regarding these accounts and related services.

      Approximate Course Length – 30 minutes

New Account Training Courses

  • Right Place, Perfect Position
    • This module is designed for anyone interested in learning about how to enhance skills to address the needs of the bank’s customer.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the need for effective sales personnel based on increasing competition among financial institutions
      • Describe the importance of the role of a sales person as a consultant to prospects and existing customers
      • List four basic skills common to all successful sales people

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Course Length: 30 minutes

  • Your Unique Customer
    • This module is designed to show the Customer Service Representative no two people are alike and each has his/her own unique needs.

      Objectives:

      As a result of completing this program, you will be able to:

      • Recognize all customer prospects are unique
      • Recognize customer financial needs vary with circumstance, age, and other factors
      • Identify how to factor an individual’s needs into your approach

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Course Length: 30 mininutes

  • Adjusting Your Style
    • This program is designed for anyone interested in learning about how to change your style, depending on your customer’s style.

      Objectives:

      As a result of completing this program, you will be able to:

      • Recognize each customer’s unique style
      • Adjust appropriately to match different customer styles

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Course Length: 30 minutes

  • Being Professional
    • This module is designed to show the Customer Service Representative how to present himself/herself professionally, with enthusiasm, and with integrity.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the importance of physical appearance plays in communicating with customers
      • Create positive impressions with customers by projecting enthusiasm and integrity

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Course Length: 30 minutes

  • The First 10 Seconds
    • This module is designed to show the Customer Service Representative how to build credibility and rapport and gain expertise.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the importance of establishing immediate credibility and rapport with customer s and prospects
      • List the steps that will help you quickly establish credibility and rapport with others

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Course Length: 30 minutes

  • Gaining Insight
    • This module is designed to show the Customer Service Representative how to control the outcome of the customer experience and what types of questions to ask.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the importance of questioning skills in uncovering customer needs and controlling the outcome of the sales process
      • Define purposes of four basic types of questions and when they are used in the sales process
      • Create good examples of each basic type of question

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Course length: 30 minutes

  • Focused Listening
    • This module is designed to show the Customer Service Representative how to listen versus hear and the skill of listening.

      Objectives:

      As a result of completing this program, you will be able to:

      • Define listening versus just hearing
      • Employ three techniques to enhance listening skills
      • State three important benefits of listening

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Offering Solutions
    • This module is designed to show the Customer Service Representative how to make recommendations, the preliminary steps, determining what customers want, expressing benefits, and the power or recommending.

      Objectives:

      This program will enable you to:

      • Understand the importance of summarizing and confirming a customer’s need before recommending a product or service
      • Explain the difference between the features and benefits of a product or service
      • Compose an effective recommendation statement based on customer needs, and the features, benefits, and underlying desires satisfied by a product or service

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Overcoming Objections
    • This module is designed to explain the customer reaction, how to clarify an objection, and how to resolve an objection.

      Objectives:

      This program will enable you to:

      • State the proper steps to take prior to suggesting a resolution to a customer objection
      • Choose an appropriate approach to resolution of an objection from several acceptable techniques

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Closing and New Beginnings
    • This module covers how closing is easy and how to provide a pleasant conclusion to the interaction with the customer.

      Objectives:

      As a result of completing this program, you will be aware that:

      • Identify either of two closing techniques and how to react to various customer responses
      • Identify customer relationship with an appropriate wrap-up of sales session

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

Products and Services Courses

  • Business Products and Services
    • This course is designed for anyone interested in learning about the various types of business products and services.

      Objectives:

      As a result of completing this program, you will be familiar with:

      • The various legal forms under which businesses operate
      • The basic business products, including those pertaining to deposits, loans, investments and insurance
      • Financial institution services related to financial institution business products

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 30 minutes

  • Consumer Products and Services
    • This course is designed for anyone interested in learning more about the various types of consumer products and services.

      Objectives:

      As a result of completing this program, you will be able to:

      • Understand the difference between a consumer product and a service
      • Understand consumer deposit, loan, and investment products
      • Recognize services related to deposits, loans, and investment products
      • Be able to identify other important consumer products, such as insurance, monetary instruments, and safe deposits

      Audience:

      Management and Supervision, Tellers and Other Personnel

      Approximate course length: 45 minutes – 1 hour

  • IRA Fundamentals
    • This program is designed for anyone interested in learning about eligibility requirements, contribution limits, and distribution rules of Individual Retirement Accounts (IRAs).

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the features and benefits of Traditional IRAs and Roth IRAs
      • Compare the Traditional IRA to the Roth IRA
      • Explain rules related to transfers and rollovers
      • Discuss the features and benefits of the Coverdell Education Savings Account

      Audience:

      Management and Supervision, Tellers and Other Personnel.

      Approximate course length: 45 minutes – 1 hour

  • Simplified Employee Pension Plan (SEP)
    • This program is designed for anyone interested in learning about Simplified Employee Pension Plans (SEP) including eligibility, contribution limits, and distribution rules.

      Objectives:

      As a result of completing this program, you will be able to:

      • Discuss the features and benefits of a Simplified Employee Pension Plan
      • Explain how to establish and operate SEP accounts
      • Discuss eligibility and compliance

      Audience:

      Management and Supervision, Tellers and Other Personnel.

      Course length: 45 min. – 1 hour

Lending Courses

  • Credit Regulations for Mortgage Lending
    • This program is designed for individuals interested in learning about customer credit regulations and how the laws apply to mortgage applicants.

      Objectives:

      As a result of completing this program, you will be able to:

      • Define the financial institution’s responsibilities to the customer
      • Identify and explain information contained in customers’ credit reports
      • Disclose and explain applicable information to customers, when required, using proper notices as required

      Audience:

      Mortgage Officers, Management and supervision, Personnel looking to move or moving into the Mortgage Department, Mortgage Loan Processors and Underwriters, and Other Personnel

      Approximate course length: 45 minutes

  • Denials, Withdrawals, and Incomplete Applications
    • Topics include learning the requirements for sending Adverse Action Notices when a loan application is declined, withdrawn or incomplete.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain Adverse Action
      • Determine when an Adverse Notice is required
      • Handle declined, withdrawn and incomplete applications

      Audience:

      It is especially helpful to branch office personnel, Management and Supervision, Lending Personnel

      Approximate course length: 30 minutes

  • Home Equity Closing
    • Topics include required documentation needed when closing a Home Equity product.

      Objectives:

      As a result of completing this program, you will be able to:

      • Understand the required forms for closing Home Equity products
      • Explain to the customer information contained in the closing documents
      • Comply with applicable government regulations

      Audience:

      It is especially helpful to branch office personnel, Management and Supervision, Lending Personnel, Member Service Personnel

      Approximate Course Length – 30 minutes

  • Home Equity Line of Credit (HELOC)
    • Topics include Home Equity Line of Credit products and how to determine equity in a home.

      Objectives:

      As a result of completing this program, you will be able to:

      • Define equity
      • Explain the difference between home equity line of credit products
      • Calculate equity in the customer’s home
      • Complete an application

      Audience:

      It is especially helpful to branch office personnel, Management and Supervision, Lending Personnel, Member Service Personnel

      Approximate Course Length – 30 minutes

  • Income Statement Analysis
    • This program is designed for anyone interested in learning to effectively analyze Income Statements.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the purpose of an Income Statement
      • Identify the sections of an Income Statement
      • Explain and calculate Gross Profit, Operating Profit, Taxable Income, Net Income and Retained Earnings
      • Analyze the financial performance of a business for the period covered by the Income Statement

      Audience:

      It is especially helpful to branch office personnel, Loan Officers, Management and Supervision, Personnel looking to move or moving into the Commercial Loan area, and other Personnel.

      Approximate course length: 30 minutes

  • Intro to Home Equity
    • Topics include types and differences of Home Equity Products.

      Objectives:

      As a result of completing this program, you will be able to:

      • Define Home Equity products
      • Explain the difference between a Home Equity Loan and a Home Equity Line of Credit
      • Define "equity"
      • Understand how to calculate the customer’s equity in their home

      Audience:

      It is especially helpful to branch office personnel, Management and Supervision, Lending Personnel, Customer Service Personnel.

      Approximate course length: 30 minutes

  • Laws against Discrimination for Mortgage Lending
    • This program is designed for individuals interested in learning the basics about government regulations enacted to protect mortgage applicants from discrimination.

      Objectives:

      As a result of completing this program, you will be able to:

      • Identify the purpose and functions of mortgage lending regulations
      • Define the financial institution’s responsibilities to the applicant
      • Disclose and explain applicable information to customers when required, using proper notices per government requirements

      Audience:

      Mortgage Officers, Management and supervision, Personnel looking to move or moving into the Mortgage Department, Mortgage Loan Processors and Underwriters, and Other Personnel

      Approximate course length: 45 minutes – 1 hour

  • Lending Application Process
    • Topics include learning how a customer files a loan application.

      Objectives:

      As a result of completing this program, you will be able to:

      • Define ways to submit an application for an extension of credit loan
      • Determine the necessary information to be provided by the customer on a loan application
      • Define when a request for an extension of credit becomes an application for a loan
      • Understand what the customer’s signature means on an application

      Audience:

      It is especially helpful to branch office personnel such as Management and Supervision, Lending Personnel, Customer Service Personnel.

      Approximate course length: 45 minutes – 1 hour

  • Loan Documentation and Closing
    • Topics include preparation of required loan documents and meet with the customer to close the loan.

      Objectives:

      As a result of completing this program, you will be able to:

      • Complete the necessary loan processing documents
      • Explain the applicable lending regulations to the customer
      • Complete proper steps to close a loan

      Audience:

      It is especially helpful to branch office personnel, Management and Supervision, Lending Personnel.

      Approximate course length: 45 minutes – 1 hour

  • Mortgage Inquiry or Application
    • This program is designed to assist mortgage personnel in determining the difference between an inquiry and an application, and how laws apply to each situation.

      Objectives:

      It is especially helpful to branch office personnel:

      • Mortgage Officers
      • Management and Supervision
      • Mortgage Loan Processors and Underwriters

      It is especially helpful for branch office personnel to:

      • Clarify the difference between an inquiry and an application
      • Ensure compliance with applicable regulations
      • Determine when to send an Adverse Action Notice

      Audience:

      It is especially helpful to Management, Lending Staff, and Other Personnel

      Approximate course length: 45 minutes – 1 hour

  • Overview of Commercial Lending
    • This program is designed for individuals interested in an overview of Commercial Lending.

      Objectives:

      As a result of completing this program, you will be able to:

      • Identify the operational characteristics of manufacturing, wholesaling, retailing and service businesses
      • Determine the extent of personal liability for business owners
      • Explain types and use of lending vehicles available to commercial customers
      • Explain the steps in the lending process

      Audience:

      It is especially helpful to branch office personnel, Prospective Commercial Loan Officers, and New Commercial Loan Department personnel

      Approximate course length: 45 minutes – 1 hour

  • Regulations for Consumer Lending
    • Topics include an overview for anyone interested in learning about federal laws and regulations relating to consumer lending.

      Objectives:

      As a result of completing this program, you will be able to:

      • Discuss the purpose and functions of lending regulations
      • Disclose necessary information to customers when required
      • Define the financial institution responsibilities to customers regarding the regulations

      Audience:

      It is especially helpful to branch office personnel, Management, Supervision, Lending Personnel, and Platform Personnel

      Approximate Course Length – 30 Minutes

Management Training Courses

  • A Manager’s Role in Training and Development
    • This program is designed for managers who have the responsibility of assuring that training and development is provided for new and existing employees, and that it best meets their needs and those of the organization.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the role, objectives, and responsibilities involved in managing employee training and development
      • Utilize a job breakdown and a four- step job instruction method for guiding the training of new and present employees
      • Better assist employees in the further development of their knowledge and skill

      Audience:

      It will also be helpful to anyone else interested in understanding the fundamentals of managing employee training and development.

      Approximate course length: 30 minutes

  • Barriers to Effective Communication
    • This program is designed for anyone interested in learning to communicate effectively by overcoming communication barriers.

      Objectives:

      As a result of completing this program, you will be able to:

      • Identify and remove barriers to effective communication
      • Define effective communication techniques
      • Apply specific communication techniques in the workplace

      Audience:

      It is especially helpful to branch office personnel, Management and Supervision, Customer Service Representatives and other Personnel.

      Approximate course length: 30 minutes

  • Delegation
    • Topics include information for supervisory and management personnel throughout the financial institution.

      Objectives:

      As a result of completing this program, you will be able to:

      • Identify the steps of conducting a delegation exchange
      • Identify the barriers to effective delegations
      • Devise a delegation plan containing elements that improve delegation success
      • Identify opportunities for staff feedback and participation in their own delegation process

      Audience:

      It can be used as pre-supervisory training where the potential position has discretion to assign responsibilities

      Approximate course length: 30 minutes

  • Getting the Best from Your Staff - the Art of Motivation
    • This program is designed for coordinators, group leaders, supervisors and group managers who have responsibility for direct supervision for one or more staff members.

      Objectives:

      As a result of completing this program you will be able to:

      • Identify the factors needed to create a motivational environment within a work unit
      • Identify specific techniques to encourage the development of initiatives within staff members
      • Identify the historic theories contributing to contemporary motivation techniques, including Frederick Taylor, the Hawthorne Studies, Maslow’s Hierarchy of Needs, Herzberg’s 2-Factor Theory, and Theories X and Y
      • Write expectations in a way to increase initiative that include conditions, time constraints, and when you will be satisfied
      • Identify practical things managers can do in a financial institution environment to encourage staff motivation, including:
        • Keep your people informed
        • Listen carefully
        • Recognize accomplishments
        • Encourage initiative
        • Set a good example
        • Show confidence in your people
      • Identify ways that encouraging a motivational climate creates internal rewards for the manager

      Approximate course length: 45 minutes – 1 hour

  • How Your Leadership Style Affects Performance
    • This program is designed for anyone interested in learning how his/her leadership style affects the performance of others.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the different styles of leadership
      • Describe the factors affecting a group
      • Identify the factors that make a good leader

      Audience:

      It is especially helpful to branch personnel including Management and Supervision.

      Approximate course length: 45 minutes – 1 hour

  • New Employee Orientation
    • This program is designed for managers who have the responsibility of assuring the orientation needs of their new employees are met in a thorough, efficient, and effective manner.

      Objectives:

      After completing this program, you will be able to:

      • Provide input on the specific orientation needs of your new employees to anyone involved in presenting a general new employee orientation
      • Design and implement a new employee orientation program specific to your needs to supplement a general institutional program
      • Better evaluate the quality and effectiveness of all orientation efforts affecting your new employees

      Audience:

      It will also be helpful to anyone interested or involved in the design and/or implementation of the new employee orientation process.

      Approximate course length: 45 minutes – 1 hour

  • Techniques of Planning
    • This program is designed for managers, Customer Service Representatives or any staff member who needs to learn basic techniques of work-related projects and functions.

      Objectives:

      As a result of completing this program, you will be able to:

      • Explain the importance and benefits of a regular systematized approach to planning
      • Overcome organizational barriers to planning concepts
      • Apply six developmental steps leading up to the implementation of work-related plans

      Audience:

      It will be helpful to anyone interested in developing a quick, cost-efficient and effective method for completing a task.

      Approximate course length: 45 minutes – 1 hour

  • Your Role as Manager
    • This program is designed for anyone interested in becoming a manager or learning to have more efficient management skills.

      Objectives:

      As a result of completing this program, you will be able to:

      • Identify the management mythology
      • Demonstrate the functions of management
      • Understand the fundamental characteristics of management and be able to apply them

      Audience:

      Management and Supervisors

      Approximate course length: 45 minutes

Train-The-Trainer

  • Fundamentals of eLearning
    • This program is designed for Trainers who want to become familiar with internet-based and blended training programs and how they benefit Trainers, their trainees, and their financial institution.

      Objectives:

      As a result of completing this program, you will be able to:

      • Justify the use of e-Learning methods alone or in combination with classroom or other traditional "live" techniques
      • Better evaluate the quality and potential effectiveness of an e-Learning or blended program based on training objectives
      • Gain management and participant acceptance of the "e- Learning/blended" methods of training

      Audience:

      It may also be helpful to training managers who want or need to introduce, or further promote the use, of these training methods as well as Trainers who need to make presentations to management.

      Approximate course length: 45 minutes – 1 hour