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Small
Business Banking Sales Skills
Calling on Small Business Customers
Length: 4
hours Member price: $95
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Course Description
Calling on
Small Business Customers
teaches students how to plan effective calls with
small business clients. It begins with an exploration of small business
fundamentals including business legal structures/characteristics, types,
needs/expectations, and operating/life cycles. Students then learn the Call
Planning Model steps, and practice applying them with fictitious clients.
After completing
this course, students will able to plan calls with a high degree of skill and
confidence.
Audience
Bank personnel
responsible for face-to-face small business customer calls.
Learning Objectives
After completing
this course, students will be able to:
-
Describe small
business fundamentals including business legal structures/characteristics,
types, needs/expectations, and operating/life cycles
-
Explain the
importance for planning calls and setting call priority
-
Identify call
situations and associate them with the four call types: Introductory,
Profiling, Presentation, and
Follow-up
-
Summarize and
apply the Call Planning Model steps including:
-
Identify
internal and external resources for planning calls
-
Formulate
first and second goals for calls
-
Strategize
actions for calls including: opening a call, asking questions, responding to
objections, and closing a call.
Relationship Selling
to Small Business Customers
Length: 2 hours
Member Price: $95
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Course Description
Relationship Selling to Small Business Customers covers how to apply
foundational sales skills when selling banking products to small business
owners. Using your skills effectively will help the customer see that, in the
long run, he or she will save money, increase revenues, and run a business more
smoothly. You are making a commitment to your customer to find the best way to
solve his or her problem.
Audience
Bank personnel who are new to the small business market and who are
responsible for selling bank products and services to small business customers.
It is suggested that participants attend the
Fundamentals of Small Business Banking before taking this
course.
Learning Objectives
After completing this course, students will be able to:
-
Identify the six steps in the relationship selling
process
-
Use rapport-building techniques to establish a
professional relationship with the small business customer
-
Interview small business customers by using open-ended
and closed-ended questions to identify needs
-
Identify where a customer is in the business life cycle
and the business operating cycle
Servicing and Growing Small Business Relationships
Length:
4
hours Member price: $95
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Course Description
In Servicing
and Growing Small Business Relationships, students will learn techniques to
nurture a business relationship with a small business once it has been
established. This course begins with an overview of small business fundamentals,
including the different legal structures of small businesses, types of small
businesses, and the needs and expectations of small businesses. From there,
students will learn different types of information to monitor a relationship
with a small business: financial information, client records, and other
resources. Finally, students will learn why site visits are important and how to
uncover different kinds of information on a site visit.
Audience
Bank personnel
responsible for managing and growing a portfolio of small business
customers.
Learning Objectives
After completing
this course, students will be able to:
-
Describe small
business fundamentals
-
Explain the
benefits of following up after a sale
-
Act on
opportunities to service and grow small business client relationships
-
Monitor client
relationships by analyzing financials, client records, and resources
-
Explain the
benefits of conducting site visits
-
Probe to
uncover facts on the people and business components during a site visit
Small
Business Banking Fundamentals
Credit Products for Small Businesses
Length: 6
hours
Member price:
$95
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Course Description
This course will
give students the tools needed to recognize factors that drive the need for
small business credit, use profiling questions to better understand individual
customer needs, and match bank credit products to customer needs. The features
and benefits of small business credit products will be reviewed. Techniques will
be discussed to aid in communicating credit decisions, including approval,
counter-offer, and decline. Bank regulations related to small business lending
will be reviewed.
Audience
Bank personnel
responsible for selling credit products to the small business customer and/or
responsible for identifying sales opportunities and referring small business
lending prospects to the appropriate bank contacts.
Learning Objectives
After completing
this course, students will be able to:
-
Describe
characteristics of the small business market that make it desirable for
lenders.
-
Describe how
business cycles drive the need for credit.
-
Ask questions
to determine a business's life cycle and asset conversion cycle.
-
Identify
typical borrowing causes and loan purposes.
-
Identify
features and benefits of small business credit products.
-
Match business
credit products to customer needs.
-
Use techniques
for communicating credit decisions, including approvals, counter-offers, and
declines.
-
Describe bank
regulations related to small business lending, and the actions taken to ensure
compliance.
Deposit Products for Small
Businesses
Length: 2 hours
Member Price: $95
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Course Description
Deposit Products and Services for Small Businesses will provide
students with an understanding of general banking needs. The course will discuss
common deposit and non-credit products by focusing on the benefits to the small
business customer. Special emphasis will be placed on connecting the needs of
different bank products with the life cycle of the business.
Audience
Bank personnel who are new to the small business market and who are
responsible for providing services to small business customers.
Learning Objectives
After completing this course, students will be able to:
-
Define the small business market and identify the
banking needs of small business customers
-
Explain the importance of small business customers to
banks
-
Describe the features and benefits of business products
and services
-
Compare and contrast features and benefits for the
products and services available to small businesses
-
Identify the life stages of a small business and the
products and services that target their needs
Fundamentals of Small Business Banking Length: 6
hours
Member
price:
$95
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Course Description
This course will
provide students with the background required to interact successfully with
small business customers. Core business terminology such as business legal
structures, business types (industry sectors), operating cycles, and business
life cycles will be defined and explored. Business cycles and how they drive the
need for bank products and services will be examined.
Audience
Bank personnel
who have had limited exposure to the small business market but are responsible
for servicing or selling to small business customers.
Learning Objectives
After completing
this course, students will be able to:
-
Identify
common characteristics of the small business market, including business
statistics and owner demographics.
-
Describe the
different types of business legal structures.
-
Describe the
most common small business types (industry sectors), and identify the
operating cycle for each type.
-
Identify the
four general banking needs, and list small business banking products that fall
within the four need areas.
-
Explain how
operating cycles (day-to-day operations) drive the need for bank products and
services within each of the small business types.
-
Identify the
life stages of a small business and describe how they shape a business'
priorities and need for different banking products and services.
Introduction to Analyzing Financial
Statements Length: 6 hours
Member price:
$95
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Course Description
This course
introduces financial statement analysis as a means of determining the viability
of a small business loan request or monitoring the financial solvency of the
business. The course covers analyzing the income statement and balance sheet,
determining key financial ratios and trends, and performing basic cash flow
analysis. Students learn how this information interrelates and is used in making
the credit decision.
Audience
Bank personnel
responsible for reviewing financial statements for the purpose of assisting in
making lending decisions, monitoring the ongoing health of the business, or
conducting the initial financial analysis.
Learning Objectives
After completing
this course, students will be able to:
-
Define
financial statement analysis and explain its importance in the small business
lending process.
-
List the basic
steps of financial statement analysis and the purpose of each.
-
Analyze an
income statement and balance sheet.
-
Calculate and
interpret key ratios.
-
Perform a
simple cash flow analysis.
Overview of Financial Statements
Length:
4
hours
Member price:
$95
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Course Description
This course
provides an overview of small business financial statements, including IRS tax
returns. The course introduces the income statement and balance sheet, as well
as the cash flow cycle and statement, and explains how they are used in making
lending decisions and monitoring the health of a small business.
Audience
Bank personnel
who are involved in any aspect of the small business lending process but who
have little experience with financial statements.
Learning Objectives
After completing
this course, students will be able to:
-
Describe types
of financial statements and explain their purpose in the small business
lending process.
-
Explain
categories of information contained in a balance sheet and income statement,
and the relationships among them.
-
Identify key
business tax return forms used by small businesses, and explain how
information on the forms may be compared to other financial statements.
-
Describe the
significance of business cash flow cycles and the purpose of a cash flow
statement.
Retirement Products for Small Businesses
Length:
4 hours
Member price: $95
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Course Description
Retirement Products for Small Businesses teaches students how to refer
small business clients to retirement product specialists successfully, by
learning about retirement products, small business needs and the referral
process. The course begins with an overview of the small business market and the
opportunities that exist to sell retirement products to small business owners.
Students will learn referral process steps, how to match client needs, and how
to refer them to a retirement specialist using the H.E.L.P. tool.
Audience
Bank
personnel responsible for managing small business relationships with
responsibilities for referring and/or selling retirement services and
products.
Learning Objectives
After
completing this course, students will be able to:
-
Define the benefits associated with retirement planning for the small
business owner
-
Identify various retirement products appropriate for small business
owners
-
Compare characteristics of various retirement products
-
Match characteristics of retirement products to small business owners'
needs
-
Refer small business clients to retirement specialists using the
H.E.L.P tool
Basic
Banking Knowledge
Banking Today
Price: $95 Members
Course Credits: AIB: 0.5 ; ICB: 0
Prerequisites: None
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Course Description
Banking Today introduces new employees to the essential principles,
concepts and operations of banking. Students will learn about the
important role banks play in the economy, the challenges of
competition, and current banking trends. By the end of the course,
students will have a "big picture" perspective of the financial services
industry and banking.
Audience
Bank personnel new to the banking industry at all levels,
specialists in non-banking functions such as marketing, information
systems and human resources.
Learning Objectives
After completing this course, students will be able to:
-
Describe the US
banking industry and its relation to the US economy
-
Explain how banks
operate as a business
-
Interpret bank
financial statements
-
Summarize important
federal laws and regulations affecting bank operations and practices
-
Describe bank
competitors in the financial market and the developments and
trends in banking
Fundamental
Business Skills
Business Etiquette Length: 4 hours
Member price:
$95
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Course Description
This course is
designed to promote professional behavior in the workplace. Professional
behavior decisions can be confusing and the consequences for making an
inappropriate decision can have lasting professional and personal consequences.
Business Etiquette covers the most current etiquette guidelines for day to day
situations to help students avoid making inappropriate etiquette decisions.
Students are given guidelines for making the appropriate choices in areas such
as personal appearance, making introductions and shaking hands. A variety of
everyday etiquette issues are addressed such as:
-
What to do if
you forget someone's name
-
Food in the
work area
-
Impact of
certain behaviors in a close environment such as cubicle workspace
-
General
guidelines for interpreting dress codes
Audience
Bank personnel
in the branch and administrative office environments.
Learning Objectives
After completing
this course, students will be able to:
-
Make
appropriate introductions.
-
Shake hands
with confidence.
-
Describe the
impact of personal appearance on the work environment.
-
Demonstrate
how to choose the appropriate behavior in day-to-day activities including
opening a door, arriving late for a meeting and food in the work area.
-
Recognize how
his/her behavior in a close work environment affects co-workers.
-
Discuss the
business consequences of making a choice that is outside the described
etiquette guidelines.
-
Describe how
common behaviors in the United States may be interpreted by different
cultures.
Dealing Effectively with Co-Workers
Member
price: $95
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Course Description
Dealing
Effectively with Co-Workers focuses primarily on behavior among co-workers. This course introduces
information about social behavioral styles and how the different styles affect
communication among co-workers. Students will identify their own base preference
group and learn what creates the challenges with his/her behavioral opposite.
Students will also learn strategies and guidelines for dealing with difficult
co-workers and the resulting conflict.
Audience
Bank personnel at all levels.
Learning Objectives
After completing this course, students will be able to:
-
Identify elements
that contribute to individual perspective
-
Describe how
perspective drives actions and behaviors
-
Describe how
behavior choices impact the work environment
-
Describe the
characteristics and behaviors of the four base preference groups
-
Explain the
differences found in the same base preference group
-
Describe how to
look at things from a different perspective
-
Describe the
benefits and challenges of working with behavioral opposites
-
Use the five steps
to enhance the working relationship with a difficult co-worker
-
Describe the
benefits of focusing on what someone else finds important
Ethical Issues for Bankers
Length: 4
hours
Member price:
$95
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Course Description
This course
covers business ethics from a banker's perspective. Students explore the
importance of ethical behavior in banking from a personal and organizational
perspective and focus on ethical considerations in many areas including
confidentiality, conflict of interest, information security, personal
transactions and accepting or giving gifts. In addition to learning about
federal regulations and guidelines for ethical practices, the course introduces
an approach to identifying and responding to situations that present ethical
dilemmas in banking.
Audience
Bank personnel
at any level.
Learning Objectives
After completing
this course, students will be able to:
-
Describe the
importance of ethical practices in banking.
-
Define the
nature and elements of ethical dilemmas.
-
Describe
business practices commonly covered in financial institutions' codes of
conduct.
-
Identify main
regulatory parameters prohibiting unethical practices in banking.
-
Use an
effective approach to determining appropriate action in situations holding
potential for ethics violations.
Managing Time at Work Length:
4 hours
Member price:
$95
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Course Description
Managing Time
at Work
teaches students how to effectively manage their time to be more
productive during the workday. Students will learn to create daily plans, as
well as manage work areas, interruptions, phone calls, and other daily
activities that take valuable time. Through scenario-based examples, students
will be able to customize these techniques into a daily planning system that
works specifically for them.
Audience
Bank personnel
who are not currently using an organized method to plan and manage their time or
who want a refresher. This includes managers, supervisors, sales staff, and
other bank employees who are responsible for completing varied tasks in a
typical day.
Learning Objectives
After
completing this course, students will be able to:
Meetings That Work
Length: 1 hour
Member Price: $95
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Course Description
Meetings That Work focuses on how to effectively lead meetings and
use them as productive methods to communicate, solve problems, and make
decisions. It covers the appropriate reasons for holding meetings; the
characteristics and typical structure of meetings; principles and tools for
planning, leading, and participating in meetings; and how to handle distracting
problem behaviors.
Audience
Anyone who leads or participates in meetings within or outside an
organization.
Learning Objectives
After completing this course, students will be able to:
-
Describe the benefits, risks, and costs of business
meetings
-
List valid purposes for holding meetings
-
Evaluate a group meeting against other methods of
achieving a stated purpose
-
Determine the appropriate type and number of
participants to include in a meeting
-
Complete detailed steps to prepare an effective agenda
-
Evaluate alternative meeting room set-ups
-
Use key principles and specific techniques to
effectively lead and participate in meetings
Presentation Skills
Length: 2 hours
Member Price: $95
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Course Description
Presentation Skills covers the basics of planning an organized,
audience-focused oral presentation. The course covers the physical aspects of
presenting, such as body language, voice and gestures, handling nervousness, and
dealing with disruptive audience members.
Audience
Any bank employee who makes stand-up, verbal presentations to schools,
community groups, business prospects, staff, senior management, and so on.
Learning Objectives
After completing this course, students will be able to:
-
Write a
presentation purpose statement
-
Write an
attention-getting opening statement
-
Identify components
of a presentation that gain attention and keep interest
-
Describe effective
uses for visual aids
-
Write an effective
closing statement
-
Demonstrate
appropriate body language
-
Identify tips for
controlling nervousness
Telephone Etiquette
Length: 2 hours
Member Price: $95
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Course Description
Telephone Etiquette covers fundamental skills and techniques for
using the telephone effectively on the job. It spotlights the importance of the
telephone as a business tool and provides practical tips and techniques for its
effective use.
Audience
Branch and administrative office staff who answer calls or who make calls to
customers and other bank staff. This course is appropriate for call-center staff
as an introduction to telephone skills.
Learning Objectives
After completing this course, students will be able to:
-
Prepare for typical calls
-
Set up work area to support organized telephone
communications
-
Use professional call greetings
-
Use appropriate language and voice inflection during
telephone conversations
-
Use questioning and listening skills that support
effective telephone communication
-
Handle special telephone tasks professionally
-
Use effective skills when working with technology tools
Writing Bank Correspondence
Length: 6
hours
Member price:
$95
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Course Description
Writing Bank
Correspondence
provides students with the knowledge and skills necessary to effectively
communicate in writing with peers and managers within their bank, and with their
clients. Students will learn how to use a written document as a tool for
achieving a specific goal through a four-step process: planning, drafting,
revising, and polishing.
Audience
Anyone who writes business correspondence such as letters to customers,
memos, faxes, or e-mail messages.
Learning Objectives
After completing this course, students will be able to:
-
Plan for a written
document
-
Draft a document
that achieves a planned objective
-
Revise a document
to maximize clarity and conciseness
-
Choose a format
that is appropriate to the content and to the audience
Management and Leadership
Coaching for Success Length:
4 hours
Member price:
$95
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Course Description
Coaching for
Success
provides managers, supervisors, team leads and mentors with the knowledge and
skills necessary to assess, plan, and carry out a performance coaching dialogue
with an employee or person being mentored. Additionally, this course provides
techniques for ongoing performance feedback and skills for recognizing a
coaching opportunity. It will encourage students to become involved, on an
ongoing basis, with the performance growth of other employees to develop and
enhance their skills. At the end of the course, students will participate in a
simulated coaching dialogue to practice applying these skills in a typical
coaching situation.
Audience
Bank
personnel responsible for coaching others with or without a reporting
relationship. This could include managers, supervisors, team leaders and
mentors.
Learning Objectives
After
completing this course, students will be able to:
-
Differentiate
coaching, by goals and methodology, from corrective feedback
-
Explain the
benefits of coaching and the potential consequences of not coaching
-
Recognize a
coaching opportunity
-
Describe resources
and processes that your employer provides in support of coaching
-
Prepare a plan for
a coaching session
-
Demonstrate
listening skills appropriate to a coaching dialogue
-
Perform a coaching
dialogue
Corrective Action Length:
4
hours
Member price:
$95
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Course Description
In Corrective
Action, students will learn how to facilitate their employees' improvement,
instead of merely disciplining them. The course covers when and how to apply corrective action, and provides strategies for motivating
employees to improve. Students will learn to use a range of corrective modes in
a balanced and objective manner, including applying the progressive
disciplinary model, documenting corrective action through a standard
documentation template, and counseling employees towards improvement in a
professional manner.
Audience
Any supervisor
or manager who has responsibility for evaluating and documenting employee
performance.
Learning Objectives
After completing
this course, students will be able to:
-
Define
corrective action and its significance
-
Describe an
employee's performance or behavior gap specifically and objectively
-
Document
corrective action completely by including the standard elements
-
Prepare for a
corrective counseling session with an employee
-
Conduct a
corrective counseling discussion with an employee
-
Take
appropriate corrective action based on an employee performance or behavior
issue.
Hiring the Best Length: 4 hours
Member price:
$95
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Course Description
This course
presents a structured process for hiring the best candidate for a job. The
process is based on a behavioral approach to hiring and reviews compliance
issues associated with each component of the process.
Audience
Any supervisor
or manager who participates in the position analysis and selection and hiring of
employees.
Learning Objectives
After completing
this course, students will be able to:
-
Analyze a job
to identify minimum technical and performance skills.
-
Prepare
applicant selection criteria for the skills identified in the job analysis.
-
Write
interview questions that are legal and focus on behavior relevant to applicant
qualifications.
-
Screen
applicants for interview.
-
Conduct an
employment interview using prepared interview questions.
-
Select a
pre-employment test.
-
Select the
most qualified candidate for a job, based on information obtained during an
employment interview and from references.
-
Make a job
offer that is not an implied employment contract.
Improving Productivity Length: 6 hours
Member price:
$95
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Course Description
Improving
Productivity
teaches students how to evaluate and improve productivity in
the workplace. Students will learn how to consistently and systematically apply
a six-step process to resolving productivity problems in the work environment.
These steps will keep students focused on what needs to be done to resolve the
problem and enhance current productivity levels.
Audience
Any employee
that leads a work team on a full or part-time basis.
Learning Objectives
After completing
this course, students will be able to:
-
Describe the
manager's role in productivity challenges for banks
-
Identify the
three elements of productivity
-
Pinpoint the
production problems in everyday scenarios
-
Identify
obstacles that are keeping their work group from reaching optimal performance
levels
Determine the
best method to identify potential productivity obstacles through the use of
interviewing, fishbone diagrams and flow charts
Use rating,
ranking and matrix screening methods for evaluating productivity
solutions
Describe the
steps for implementing productivity solutions.
-
Define
corrective action and its significance
-
Describe an
employee's performance or behavior gap specifically and objectively
-
Document
corrective action completely by including the standard elements
-
Prepare for a
corrective counseling session with an employee
-
Conduct a
corrective counseling discussion with an employee
-
Take
appropriate corrective action based on an employee performance or behavior
issue.
Managing Change
Length: 4
hours Member price: $95
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Course Description
Managing
Change
covers the typical effects that change events can have on individuals
and organizations. This course will teach strategies for demonstrating change
leadership. Through honing communication skills and applying them to a four-step
change communication process, students will be prepared to manage the effects of
the change. Throughout the course, students will have several opportunities to
observe effective and ineffective change communication techniques. These
examples are set in real-world change scenarios and offer solutions that can be
applied immediately in the workplace.
Audience
Any employee who
is leading a group in a changing environment.
Learning Objectives
After completing
this course, students will be able to:
-
Distinguish
between change and transition
-
Identify seven
typical effects of change
-
Describe the
primary reactions employees have to change events
-
Examine the
three stages of change
-
Identify
possible reactions to each stage of change
-
Identify the
seven strategies to demonstrate change leadership
-
Identify the
influence and action you can take in change situations
-
Describe the
key elements of effective communication
-
Identify the
four steps to communicating change effectively
-
Describe the
impact of the four-step communication approach on a change event.
Managing Employee Relations
Length:
6
hours Member price: $95
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Course Description
Managing
Employee Relations
provides managers and supervisors with a four-step
strategy for managing employee relations compliance with legislation, managing
diversity, handling work and personal issues and fostering open communications.
After an overview of the importance of employee relations and their impact on
the workplace, the course reviews the legislation that protects employees from
discriminatory and unfair practices. Students will learn how to identify
diversity issues in a team, how to respond to personal issues that affect the
work environment, how to promote open communications and how to establish formal
and informal problem resolution processes.
Audience
Any manager or
team leader with one or more reporting relationships..
Learning Objectives
After completing
this course, students will be able to:
-
Describe the
impact of a manager's role in establishing and maintaining sound employee
relations in an organization
-
Identify four
management strategies that support positive employee relations
-
Describe the
purpose and intent of employment legislation governing workplace
supervision
-
Identify
diversity issues in a team and overcome related barriers to productive
employee relations
-
Use effective
guidelines for handling work and personal issues in a team
-
Implement
management activities that facilitate open communications.
Performance Management
Length: 6 hours
Member
price:
$95
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Course Description
This course will
provide students with a proactive approach to performance management. By
focusing on setting clear expectations, specific performance feedback and
objective performance evaluations, this course will help managers avoid many
common performance problems.
Audience
Any supervisor
or manager who has responsibility for directing, documenting and evaluating
employee performance.
Learning Objectives
After completing
this course, students will be able to:
-
Write
performance objectives based on measurable criteria and standards.
-
Communicate
clear performance and behavior expectations.
-
Objectively
observe performance.
-
Provide
feedback to employees and document the conversations.
-
Prepare and
conduct the performance appraisal.
Project Management
Fundamentals, Part One
Length:
2 hours
Member
Price:
$79
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Course Description
Project Management Fundamentals, Part One
examines the phases of the Project Management Life Cycle, and a project
manager's role in each phase. It defines basic project success criteria and
common reasons for project failure. Finally, it describes techniques for setting
up a strong project team and determining the elements of a Risk Management Plan.
Audience
Those with project management responsibilities or who are part of a project
team.
Learning Objectives
After completing this course, students will be able to:
-
Describe the differences
between project management and regular management
-
Identify the major phases
in a project
-
Identify criteria for a
successful project
-
Describe the major elements
that define all projects
-
Construct useful project
goals and objectives
-
Identify the elements to be
included in a statement of work
-
Describe the purpose and
key elements of a project charter
-
List the basic approaches
to handling risk
-
Identify the components of
risk assessment
-
Select appropriate tools
for analyzing risk
Project Management
Fundamentals, Part Two
Length:
2 hours
Member Price: $79
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Course
Description
Project Management Fundamentals, Part Two describes techniques for planning and sequencing
project activities. It describes how to identify the Critical Path for
completing a project on schedule. It identifies the cost elements that should be
included in a project budget and describes techniques for managing deviations
from budgets and schedules. Finally, it describes key elements of project
management communications and reporting tools and the key activities of project
close-out.
Audience
Those with project management responsibilities or who are part of a project
team.
Learning Objectives
After completing this course, students will be able to:
-
Organize a project into
sub-projects
-
Identify dependencies
between work projects and use those dependencies to establish a logical
order for work projects
-
Calculate the Critical
Path, or set of activities which cannot be delayed, in order to accomplish
project work on time
-
Identify the cost elements
to be included in a budget
-
Describe the key tools for
monitoring progress on a project
Identify
variances in the schedule and budget
Rewards and Recognition Length: 4 hours
Member price:
$95
ENROLL
NOW Course Description
Rewards and
Recognition provides students with the knowledge and skills necessary to
recognize, reward, and motivate employees toward continued and improved
performance.
Students will
learn the core principles and characteristics of recognition, and understand the
benefits that giving rewards and recognition can bring to individual employees,
departments and the institution. The course covers how to choose and convey
effective rewards and recognition, including selecting an appropriate reward and
the time and place to communicate recognition to employee. Students will get
hands-on practice in planning a reward and recognition program using planning
and recording forms included in the course.
Audience
Any employee
responsible for motivating, staff regardless of the specific reporting
relationships. This could include managers, supervisors, team leaders and
mentors.
Learning Objectives
After completing
this course, students will be able to:
-
Define the
terms reward and recognition
-
Identify the
elements of rewarding and recognizing employees
-
Describe the
consequences of failing to reward and recognize employees
-
Describe how
to link a specific company value to specific employee behaviors
-
Determine a
reward/recognition that is appropriate to the individual
-
Communicate
the reward/recognition effectively
-
Describe the
steps in creating a recognition plan
-
Create a
recognition plan for employees
Retail
Banking Fundamentals
Consumer Credit Products
Length: 6 hours
Member price:
$95
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Course Description
This course will
provide students with the skills to identify the features of consumer credit
products. The course will also provide a link between these features and how
they meet the needs of different customers.
Audience
Any branch
personnel who will be discussing or selling consumer credit
products.
Learning Objectives
After completing
this course, students will be able to:
-
Define basic
terminology used when discussing consumer credit products.
-
Identify
features and related benefits of consumer credit products.
-
For secured
credit, determine the maximum dollar amount available based on collateral
value.
-
Match consumer
credit products to customer needs.
-
Identify bank
regulations that impact consumer credit.
-
Identify
appropriate products to cross-sell.
Event Based Selling
Length: 1 hour
Member Price: $95
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Course Description
This course will
focus on using group events as a marketing tool to promote sales. Students will
learn how to target their market, plan group events, and use networking
techniques to increase the number of business contacts made at group events.
Audience
Those bankers whose responsibilities include attending, participating in, or
hosting community-based group events. Students should have a working knowledge
of their institution’s products and services.
Learning Objectives
After completing this course, students will be able to:
-
Identify group event
opportunities within their market
-
Identify common
characteristics within groups
-
Identify common financial
needs within groups
-
Identify networking
strategies to increase the number of contacts made at group events
-
Maximize sales
opportunities gained through group events
-
Create an action plan and
timeline for hosting a group event
Fundamentals of Consumer Lending Length: 6
hours
Member price:
$95
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Course Description
This course will
provide students with basic knowledge of consumer credit. It covers terminology,
basic categories of consumer credit, determining creditworthiness, the
application process, and bank regulations.
Audience
Any bank
personnel with little or no experience in consumer lending.
Learning Objectives
After completing
this course, students will be able to:
-
Explain how
banks make money from loans.
-
Describe the
basic categories of consumer credit:
-
Define basic
credit terminology (e.g., principal, interest, APR, fixed-rate, variable-rate,
etc.).
-
Describe the
five C's of credit.
-
Explain the
role of credit scoring in making credit decisions.
-
Describe the
credit application process, and actions taken at each stage to ensure
compliance with regulations.
Fundamentals of Mortgage Lending Length: 4
hours
Member price:
$95
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Course Description
This course will
provide students with an understanding of basic terminology, regulations, and
the secondary market of mortgage lending. It also identifies the benefits for a
financial institution to sell mortgage loans.
Audience
Students who
currently sell or are involved in the mortgage lending process. Students should
have less than two years of mortgage lending experience.
Learning Objectives
After completing
this course, students will be able to:
-
Describe basic
terminology regarding interest rates, fees, job functions, and how credit
decisions are made for mortgage loans.
-
Calculate LTV
and determine whether private mortgage insurance or taxes and hazard insurance
escrows may be required.
-
Explain credit
scoring and its role in the mortgage lending process.
-
Describe how
the secondary markets impacts mortgage lending.
-
Identify
mortgage lending regulations and how they apply to the mortgage lending
process.
Introduction to Financial Planning
Products Length:
8 hours
Member price: $95
ENROLL
NOW Course Description
Introduction to Financial Planning Products is designed to
teach students about financial planning products and how they can fit into a
specific client's financial planning strategy. After a thorough overview of
planning products, students will learn three key elements in assessing their
advantages and disadvantages: liquidity, risk, and return. Students will also
learn to identify licensing requirements relevant to selling certain financial
planning products.
Audience
All customer contact personnel such as personal bankers,
retail bankers, or call center employees, who need to know about the products
and services their bank offers.
Learning Objectives
After
completing this course, students will be able to:
-
Identify the benefits for clients of financial planning
-
Explain why banks offer financial planning products
-
Identify the financial planning product groups
-
Describe the major products comprising each group
-
Assess products in terms of liquidity, risk, and return
-
Compare products and product groups in terms of liquidity, risk, and
return
-
Identify the licensing requirements relevant to selling certain
financial planning products
Personal Tax Return Analysis Length: 8
hours
Member price:
$95
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NOW
Course Description
Personal Tax Return Analysis is designed to teach students the basics of
analyzing tax returns. The course begins with a discussion about analyzing
returns to determine a projected income. Students will learn about income
trends, recurring versus non-recurring income, and how tax returns can be used
as a sales tool. By the end of the course students should be confident in
analyzing personal tax returns.
Audience
Bank
personnel who are in a position to obtain tax returns from customers for lending
analysis, yet have little or no training in tax analysis.
Learning Objectives
After
completing this course, students will be able to:
-
Describe what constitutes a complete tax return and how to identify
signs of fraud
-
Identify income trends and non-recurring situations used in
analysis
-
Describe the areas on tax returns that can be used to identify
cross-sell opportunities
-
Analyze wage and tip income including the non-cash and pre-tax benefits
associated with the source of income
-
Analyze taxable and non-taxable interest and dividend income
-
Describe and calculate the source of income information on Schedule
C
-
Explain and calculate capital gains and losses
-
Differentiate the areas on Schedule E and calculate rental
income
-
Calculate limited partnership income
Referring Insurance and Annuities Customers Length: 4
hours
Member price: $95
ENROLL
NOW
Course
Description
Referring
Insurance and Annuities Customers introduces students to the features and
benefits of various insurance and annuity products. The course begins with a
discussion of a bank's role in selling insurance and annuities, including the
student's responsibilities as an unlicensed employee. Students will then learn
about different forms of life insurance and why people need them, as well as
other insurance products including disability insurance, healthcare insurance,
property and casualty insurance, and liability insurance. Finally, students will
learn about annuities and making referrals to a licensed representative.
Throughout the
course, students will be prompted to find out more about the specific products
offered by their employers, while learning to recognize client characteristics
that indicate a need for each product.
Audience
Any employee who
has the opportunity to refer customers to designated, licensed insurance sellers
in an bank.
Learning Objectives
After completing
this course, students will be able to:
-
Describe how
insurance and annuities products and services address a customer's financial
needs
-
Describe the
common types and features of insurance and annuity products offered through
banks
-
Identify the
customer characteristics that indicate a need for an insurance or annuity
product
-
Use the
H.E.L.P tool to make effective referrals to bank-designated, licensed
staff
Referring Mutual Funds and Securities Customers Length: 6
hours
Member price: $95
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NOW
Course
Description
Referring
Mutual Funds and Securities Customers teaches students a professional and
effective process for referring clients to a licensed securities specialist.
After an overview of securities products commonly offered by banks, students
will learn how to use a variety of clues to identify a clients' recognized and
unrecognized financial needs, and how to gather information that a licensed
investment specialist will find helpful as they work with a referred client.
Students will also learn how to use the H.E.L.P. tool to make effective and
professional referrals.
Audience
Retail bank
personnel who manage customer relationships and/or who are in a position to
identify referral opportunities; e.g., personal bankers and new accounts
staff.
Note: The assumption is made that students in this
course are not licensed to sell securities, and in fact have little or no
previous knowledge of securities products.
Learning Objectives
After completing
this course, students will be able to:
-
Explain the
history of securities products in banking
-
Identify key
regulations and guidelines banks must follow when selling security
products
-
Identify
benefits and risks associated with security products
-
Describe the
basic features of common securities products
-
Recognize
clues and gather information to support a referral
Referring
Trust Customers
Length:
4 hours
Member price:
$95
ENROLL
NOW
Course Description
This course will
provide students with the skills and product knowledge needed to identify and
refer individual trust prospects. The course explores the basic elements of a
trust, trust terminology, common trust products, how they apply to a typical
customer and the skills and techniques that support a customer-benefit focused
referral approach.
Audience
Bank personnel
who initiate referrals of trust services but are not involved in making or
closing the sale, such as new accounts, tellers, statement window, safe deposit
and operations support staff.
Learning Objectives
After completing
this course, students will be able to:
-
Describe the basic
elements of a trust.
-
Describe basic trust
products and terminology.
-
Identify five key
reasons clients need/want a trust.
-
Define a typical
client's needs and objectives.
-
Identify prospects
and provide a client-benefit-focused referral for trust services.
Revitalizing Customer Service Length:
6
hours
Member price:
$95
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Course Description
This course will
have students using a variety of exercises and group activities to define basic
customer service skills and examine how the use of those skills adds to the
personal and professional productivity levels of the students. Students will be
using a worksheet throughout the day while practicing new skills or enhancing
current levels of customer service. Each section will also give managers an
opportunity to see how these customer service skills can benefit some key areas
of managing employees such as providing constructive feedback, taking corrective
action and coaching.
Audience
All levels of
employees.
Learning Objectives
After completing
this course, students will be able to:
-
Identify and
define basic customer service skills.
-
Use the basic
skills in current workplace environments.
-
Understand how
perspectives impact customer service.
-
Isolate
personal symptoms of stress and the possible impact of those symptoms on
service levels.
-
Connect three
areas of communications and listening to clarify the intended message.
-
Apply customer
skills to interactions with angry or difficult customers.
Teleconsulting
Length:
2 hours
Member Price: $95
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Course Description
This
course is designed for bankers who are familiar with the basic sales
cycle and want to use the telephone as a strategic tool to enhance
their service and sales performance. It helps students understand
the unique challenges of telephone sales and learn specific
techniques to overcome the common obstacles to success and maximize
the advantages when using this sales approach.
Audience
This course is most appropriate for banking professionals who
need to make outbound telephone service and sales contact with an
assigned customer portfolio.
Learning Objectives
After completing this course, students will be able to:
-
List the business reasons
for using teleconsulting
-
Describe the common
challenges of teleconsulting
-
Identify service and sales
potential for existing customers
-
Plan and organize
teleconsulting contacts
-
Establish rapport and gain
customer interest
-
Describe the legal
parameters for teleconsulting practices
-
Conduct an effective
teleconsulting interview
-
Make an effective
teleconsulting product presentation
-
Use scripts to handle
common teleconsulting objections
-
Close a teleconsulting
contact effectively
-
Describe important
teleconsulting follow-up tasks
-
Set realistic
teleconsulting performance goals
Understanding Bank
Products
Member Price:
$95
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Course Description
Understanding Bank Products is designed to give students an
overview of the products and services offered by banks to meet the needs
of consumers and small businesses. Gaining knowledge in the range of
products offered by a bank will enable students to recognize when a
client has a need and then suggest the appropriate product to meet that
need. The bank product information contained in this course is presented
in broad strokes and describes the products from the perspective of
clients and their needs. Students also have the opportunity to learn
beyond the scope of the course with activities they perform on their
own.
Target Audience
The course is designed for branch client-contact personnel with at
least six months experience. Those who would benefit most include
tellers, new accounts representatives, personal bankers, platform
assistants, and branch manager trainees.
Learning Objectives
After
completing this course, students will be able to:
-
Describe financial
products in terms of features and benefits to the client
-
Identify
prospective clients for different categories of bank products and
the clues that signal client needs
-
Describe business
banking products features and benefits
-
Describe financial
products and services in a way that demonstrates a client focus
Understanding Financial Planning
Length: 4 hours
Member Price: $95
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Course Description
Understanding Financial Planning introduces students to the
importance of financial planning. Students will gain general knowledge of
various financial products, and learn to assess a client's financial needs by
evaluating their current financial situation using net worth, rate of savings,
and cash flow. Students will also examine how personal factors such as risk
tolerance, goals, and time frame, affect a client's investment decisions.
Audience
Bank
personnel who want to understand the basics of financial planning and what
financial planners do.
Learning Objectives
After completing this course, students will be able to:
-
Explain the importance of financial planning
-
Describe different financial products
-
Determine a client’s current financial situation
-
Identify a client’s financial goals
-
Determine a client’s financial time frames
-
Assess a client’s risk tolerance
Retail
Banking Sales Skills
Building & Retaining Customer
Relationships Length: 4 hours
Member price:
$95
ENROLL NOW
Course Description
This course is
designed for financial service representatives whose current responsibility is
to offer bank products and services to customers.
Audience
This course is
most appropriate for banking professionals who currently sell bank products to
customers. Students attending this class should have a working knowledge of
their institution's products and services, basic sales techniques, daily planner
scheduling and tele-consulting skills.
Learning Objectives
After completing
this course, students will be able to:
-
Describe the
benefits of building and retaining customer relationships.
-
Establish
portfolio criteria that support their institution's business goals.
-
Select
customers for a sales portfolio.
-
Organize
customer portfolios to support and track portfolio activity.
-
Prepare for an
initial contact with portfolio customers.
-
Prepare an
action plan for establishing a customer portfolio.
Cross-Selling Deposit Products Length: 8
hours
Member price:
$95
ENROLL
NOW
Course Description
This course
provides the skills needed to cross-sell retail bank deposit products and
services. The course explores the importance of cross-selling and focuses on
steps in the cross-selling process: interpreting clues to customer needs,
cross-selling solutions to match needs, responding to objections, and closing
the sale or referring the customer to a specialist. Features and benefits of
deposit products are compared to match solutions to customer needs. Students
receive tools for on-the-job use.
Audience
Any bank
personnel in a position to discuss deposit products and services with customers.
Students should have a basic knowledge of their institution's products and
services.
Learning Objectives
After completing
this course, students will be able to:
-
Explain the
importance of cross-selling to both customers and the bank.
-
Identify the
steps in the cross-selling cycle.
-
Describe
features and benefits of deposit products.
-
Interpret
clues to customer financial needs.
-
Cross-sell
solutions to match customer needs.
-
Respond to
customer questions and objections.
-
Close the
sale, or refer the customer to the appropriate bank specialist.
Effective Referrals Length: 4 hours
Member price:
$95
ENROLL
NOW
Course Description
This course will
provide students with the skills needed to make confident and effective
referrals. In addition to learning why referrals are important, students learn
how to recognize and respond to clues, refer the customer and revisit the
customer after the referral.
Audience
The branch or
operations personnel who initiate the needs assessment but are not involve in
making or closing the sale. The audience may not see their roles as
sales-related. They are generally involved in transactional and service
interactions with customers.
Learning Objectives
After completing
this course, students will be able to:
-
Describe what
customers expect from their bank.
-
Identify sales
and service referral opportunities.
-
Use benefit
statements to make the referral.
-
Make the "hand
off" to a specialist.
-
Identify
follow up situations and develop appropriate techniques.
Introduction to Relationship Selling Length:
6
hours
Member price:
$95
ENROLL NOW
Course Description
Introduction to Relationship Selling introduces students to the
relationship selling process, and the skills and techniques that support a
client needs-focused sales approach. Students will learn how to prepare for the
sale and conduct an effective sales interaction with clients, and an overview of
each step in the relationship selling process to guide sales interactions with
clients.
Audience
Any
branch personnel involved with in-branch sales.
Learning Objectives
After
completing this course, students will be able to:
-
Identify what clients expect from their bank
-
Describe sales skills and techniques to successfully move through the
sales process
-
Examine the steps used to respond to client objections
-
Identify techniques to effectively sell against the competition
-
Determine actions to follow-up with a client and ask for a
referral
Profiling Mortgage Prospects
Length:
2 hours
Member price: $95
ENROLL NOW
Course Description
NEW Profiling Mortgage Prospects
provides students with the product knowledge they need to profile and refer
mortgage loan clients to a product that matches their needs. Many of the real
estate products available in the current market will be covered, including
Federal Housing Administration (FHA), Veterans Administration (VA), and
conventional mortgage loan. This course will also discuss the elements of a
successful referral of a prospect to a mortgage specialist.
Audience
Bank employees who will be or are referring or prescreening prospective
mortgage loan clients.
Learning Objectives
By the end of Profiling Mortgage Prospects,
students will be able to:
-
Describe features and
benefits of conventional fixed rate, adjustable rate, FHA, and VA loans
-
Identify client profiles
that generally benefit from each product type
-
Use key questions to help
clients determine beneficial mortgage financing options
-
Effectively refer mortgage
loan application clients to the appropriate person
-
Identify mortgage-lending
regulations that apply during the prescreening and referral process
Sales Coaching in the Bank Length:
4 hours
Member price:
$95
ENROLL NOW
Course Description
Sales Coaching in the Bank will help students identify sales
coaching opportunities and basic techniques used to incorporate knowledge and
skill building into a team's workday routine. Students will learn skills needed
to support a team and develop a strategy to support knowledge and skill building
for each job function. Students will also examine the common types of goals used
in the banking industry and address specific factors to consider when setting
goals for a specific team and individual team members. Finally, students will explore how to support team members in reaching
their sales goals.
Audience
Any
person responsible for leading a bank's sales team or sales campaign.
Learning Objectives
After
completing this course, students will be able to:
-
Identify their role as a sales coach
-
Provide techniques and opportunities that will support their sales
team
-
Coach team members based on their individual job functions
-
Set
and support team goals
Successful Sales Campaigns Length:
4 hours
Member price:
$95
ENROLL NOW
Course Description
In Successful Sales Campaigns, students will learn to
effectively run a sales campaign using step-by-step techniques for involving
each staff member in various aspects of the sales campaign. Students will learn
how to set campaign objectives and use demographic information to help identify
clients who are in need of the product that is being promoted. The course also
provides students with methods to handle working on simultaneous campaigns, and
for shopping competitive banks and incorporating this into campaign
methods.
Audience
Any
banking professionals who currently take part in sales campaigns.
Learning Objectives
After
completing this course, students will be able to:
-
Use
demographic information to match bank products to the client base
-
Develop a sales campaign that captures the attention of the bank's
clients
-
Identify the regulatory limits of bank product advertising
-
Prepare bank personnel for the sales campaign
-
Create and maintain enthusiasm for the sales campaign
-
Use
creative methods to track the progress of the campaign
-
Evaluate the results of the promotion after it has ended
Regulatory
Compliance
Americans
with Disabilities Act (ADA)
Length: 1 hour
Member price: $95
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Course
Description
This course provides guidelines for how employees in any part
of the financial institution can meet the requirements of the Americans
with Disabilities Act. Students will learn how reasonable accommodations
can be applied in a variety of situations.
Audience
All
levels of employees
Learning
Objectives
After completing this
course, students will be able to
-
Define
disability as outlined by ADA regulation
-
Determine
who is covered
-
Explain
"reasonable accommodations"
-
Describe
how the Americans with Disabilities Act applies to their job
responsibilities
Bank Bribery Act
Length: 1 hour
Member price: $95
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Course Description
Bankers are responsible for appropriately handling money,
personal information and trust. Unfortunately, there are some individuals who
may attempt to take advantage of this for their own personal benefit or gain.
In this course participants will learn about the Bank Bribery Act and how to
comply with it in order to prevent corrupt activities within financial
institutions.
Audience
All levels of employees
Learning Objectives
After completing this course, students will be able to:
-
Explain the background of the Bank Bribery Act
-
Describe the purpose of the Bank Bribery Act
-
Describe the importance of a code of conduct
-
Explain the general prohibitions of the Bank Bribery Act
-
Describe exceptions to the general prohibitions
-
Explain the disclosure and reporting requirements
Bank Protection
Act
Length: 1 hour
Member price:
$95
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Course Description
Every federally insured financial
institution must establish certain security efforts as outlined by the
Bank Protection Act. Participants will learn how the Bank Protection Act
influences the procedures used to preserve evidence of criminal behavior
or suspected criminal behavior. Participants will also learn the
devices/equipment that must be in place to assist law enforcement
officials in the apprehension of individuals who perpetrate crimes against
the financial institution.
Audience
All levels of employees
Learning Objectives
After completing this course, students will be able to:
-
Explain the background of the Bank Protection Act
-
Describe the purpose of the Bank Protection Act
-
Describe tools and procedures used to identify persons
committing crimes against the financial institution
-
Describe the security devices required by the Bank Protection
Act
-
Describe training efforts required by the Bank Protection Act
Bank Secrecy Act
(BSA)
Length: 4 hours
Member price:
$95
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NOW
Course Description
Participants in
this workshop will be given information required to identify and accurately
report transactions described in the Bank Secrecy Act. Attention will be given
to defining what is and is not considered a reportable transaction. Participants
will be involved in practice exercises to help clarify reportable
transactions.
Audience
Any employee
working in a financial institution and/or a money service business
Learning Objectives
After completing
this course, students will be able to:
-
Explain how
history created the need and defined the purpose of BSA
-
Describe the
BSA currency transaction reporting requirements and exemptions
-
Provide
information required in the reporting process
-
Identify
transactions that require suspicious activity reporting
-
Support
record-keeping requirements to insure compliance with BSA
-
Explain how
the Bank Secrecy Act impacts their job responsibilities
Check 21 Overview
Length: 1 hour
Member Price: $95
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Course Description:
This course provides an overview of the new Check 21 legislation that goes
into effect on October 28, 2004. It covers the goals of the legislation,
check truncation, substitute checks, consumer safeguards, expedited recredit
procedures, and what banks must do to implement Check 21. There is a Final
Assessment that you can use to check your general understanding of Check 21
after completing the course. This course has a somewhat different format
than the other eLearning courses and will be replaced with a course in a
more typical eLearning format some weeks after the legislation becomes
effective.
Audience
All bank employees with customer contact.
Learning Objectives
-
Explain how Check 21 will impact customers
and banks.
-
Describe the key elements of the Check 21
Act.
-
Explain Check 21 to customers.
-
Describe what to expect as Check 21 is
implemented
Community Reinvestment Act (CRA)
Length: 1 hour
Member price:
$95
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NOW
Course Description
The Community Reinvestment Act measures the way financial
institutions are meeting the needs of everyone in their community of
operations. While every employee may not be directly involved in tracking
this information, it is helpful to understand why compliance with this Act
is so important to the financial institution. This course will help
participants go beyond just referring the questions to a specific
individual to knowing why the information is so important to those asking
for it.
Audience
All employees with direct client contact
Learning Objectives
After completing this course, students will be able to:
Credit
Practices Rule (Reg AA) for Consumer Lenders
Length:
2-4 hours
Type: Self-paced
Format: SCORM
Cost: $35
Provider: ABA
This course on Credit Practices Rule (Reg AA) provides important
information bankers can use to protect the bank and its clients from
unfair or deceptive actions when setting up credit accounts.
Audience
Consumer lenders.
Learning Objectives
After completing this course, students will be able to:
Electronic Fund Transfer Act -
Regulation E
Length: 1 hour
Member Price: $95
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Course Description
Electronic Fund Transfer Act - Regulation E was enacted to
protect consumers from errors and fraud that could occur in these
transactions. This course covers the requirements of the Act that apply to
customer contact personnel.
Audience
All levels of employees. Operations personnel who perform actual
resolution for electronic fund transfer errors may need more in-depth
training.
Learning Objectives
After completing this course, students will be able to:
-
Explain the background of the Electronic Fund Transfer Act
-
Describe the purpose of the Electronic Fund Transfer Act
-
Describe requirements regarding issuance of access devices
-
Explain the requirements related to preauthorized transfers
-
Define an electronic funds transfer
-
Describe how to handle a notice of error
Equal Credit Opportunity Act -
Regulation B
Length: 4 hours
Member Price: $95
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Course Description
Equal
Credit Opportunity Act - Regulation B teaches students to evaluate an applicant's creditworthiness
within the boundaries of the Equal Credit Opportunity Act. The course begins by
describing the purpose and coverage of the Equal Credit Opportunity Act, and
then reviews what a bank and its employees must do regarding the taking and
processing of loan applications, including acceptable factors. Students will
learn about prohibited bases for evaluating an application and required
notifications. The course concludes with a discussion of other bank compliance
issues, including the requirements for reporting credit information, record
keeping, and the consequences of noncompliance.
Audience
Bank personnel involved in the process of gathering information for credit
transactions.
Learning Objectives
After completing this course, students will be able to:
-
Explain the purpose of the Equal Credit Opportunity Act and what it covers
-
Describe what banks must do to comply with the Equal Credit Opportunity Act
when making credit available
-
Describe what banks must do to comply with the Equal Credit Opportunity Act
when processing a credit application
-
Identify reporting and record keeping requirements, as well as the
consequences for noncompliance
Expedited Funds Availability Act
- Regulation CC
Length: 1 hour
Member price: $95
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NOW
Course Description
This course introduces students to key components of the
Expedited Funds Availability Act (Regulation CC). Students will gain
general knowledge of availability schedules used on transaction account
deposits and the general conditions when EFAA allows holds to be extended.
Students will also learn some of the basic requirements created by the
Federal Reserve Board as part of EFAA for paying and returning checks.
Audience
Any employee who accepts checks for deposit into transaction
accounts.
Learning Objectives
After completing this course, students will be able to:
-
Differentiate
between next day, 2nd day, and 5th
day availability schedules
-
Explain the
conditions allowed by Regulation CC for extended holds
-
Describe general
disclosure information required for all financial institutions
-
Recognize proper
placement of endorsements
-
Describe the key
rules for returning checks
Extending Credit to Bank Insiders
- Regulation O
Length: 1 hour
Member price: $95
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Course Description
Banks are in business to take deposits and loan money to
their customers. Banks have owners, usually in the form of shareholders and are
managed by a Board of Directors. Day-to-day jobs within the bank are handled by
the bank’s executive officers. All of these people involved with the bank’s
operation are called bank insiders. It is important that when a bank lends
money to one of its insiders that it is as careful as when it lends money to
anyone in the community. Regulation O governs this activity.
Audience
All levels of employees
Learning Objectives
After completing this course, students will be able to:
-
Explain the background of Regulation O
-
Describe the purpose of Regulation O
-
Describe the general lending rule set forth in Regulation O
-
Describe the types of credit
covered
-
Explain the restrictions a bank must meet when lending to an
insider
-
Identify who is considered to be an executive officer
-
Describe restrictions on loans to executive officers
-
Explain disclosure requirements
Fair Credit Reporting Act
(FCRA) Length: 1hour
Member price:
$95
ENROLL
NOW Course Description
Fair Credit
Reporting Act covers compliance requirements under the Fair Credit Reporting
Act (FCRA). Students will learn about the purpose of the FCRA, and review the
types of transactions and exemptions covered under it. The course also teaches
students the requirements, responsibilities and rights outlined under the Act,
including special guidelines for the sharing of consumer information between
affiliates, as well as the actions students must take to help ensure compliance
with the FCRA.
Audience
Any employee
involved in using or reporting credit information.
Learning Objectives
After completing
this course, students will be able to:
-
Explain the
purpose of the Fair Credit Reporting Act and what it covers
-
Describe the
requirements, responsibilities, and rights outlined under the Act
-
Describe
requirements of financial institutions as users of consumer reports and as
providers of information
-
Describe the
consequences for noncompliance Fair Housing Act
Length: 1 hour
Member price:
$95
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Course Description
This course introduces students to the history, purpose and
coverage of the Fair Housing Act (FHA). Students will learn about the FHA
prohibited bases of discrimination, the requirements of the Equal Housing
Lender Lobby Poster, and the Fair Housing logo. Students will also learn about
FHA terminology and recordkeeping requirements.
Audience
Frontline bank personnel such as tellers, new accounts and
other entry-level bank positions.
Learning Objectives
After completing this course, students will be able to:
-
Explain the background and purpose of the Fair Housing Act
-
Describe the coverage of the Fair Housing Act
-
Explain the requirements of the Fair Housing Act
-
Describe the penalties for non-compliance with the Fair
Housing Act
Fair Lending Length:
4 hours
Member price:
$95
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NOW
Course Description
This course introduces students to the
practices and principles of fair lending, and demonstrates how to avoid
discriminatory and unfair lending practices when interacting with clients.
Students will learn about the relationship between unfair treatment and illegal
discrimination, as well as the essential points of the five federal fair-lending
laws and the Joint Policy Statement on Discrimination in Lending. Throughout the
course, students will have opportunities to practice standard client interaction
scenarios that help ensure compliance with fair-lending laws.
Audience
Bank personnel
who have customer contact, and deal with consumer and real estate credit
transactions. Sales, processing, underwriting and compliance personnel. Anyone
wishing to update or refresh themselves on Fair Lending laws.
Learning Objectives
After completing
this course, students will be able to:
Describe the relationship between unfair treatment and illegal
discrimination
Explain the purpose of the five federal laws related to fair
lending
Identify the three types of illegal discrimination
Identify the best practices to ensure compliance with
fair-lending laws
FDIC Deposit Insurance
Length: 1 hour
Member price: $95
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NOW
Course
Description
Participants in this course will be given and overview of
Federal Deposit Insurance Corporation (FDIC) insurance coverage of
accounts. Individual and joint account ownership types and aggregation of
accounts will be discussed as they relate to insurance coverage.
Participants will be given examples of insurance coverage calculations
using individual and joint ownership categories.
Audience
All employees with customer contact
Learning
Objectives
After completing this course, students will be able to:
-
Explain the
background of the Federal Deposit Insurance Corporation
-
Describe the
purpose of the Federal Deposit Insurance Corporation
-
List the types of
deposits that are and are not insured by Federal Deposit Insurance
Corporation deposit insurance coverage
-
Identify the
general rules for insurance coverage
-
Provide examples
of the different types of rules used for individual and joint
ownership accounts
-
List some basic
rules for determining the amount of Federal Deposit Insurance
Corporation insurance coverage
-
Recognize
examples of Federal Deposit Insurance Corporation insurance coverage
for the same ownership category and for different owners in the same
ownership category
Flood Disaster Protection Act
Length: 1 hour
Member price: $95
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Course Description
This course provides an overview of the requirements for
processing transactions covered by this Act. Students will gain an
understanding of the coverage requirements and exemptions, and the disclosures
required in these transactions.
Audience
Frontline employees involved in the lending process,
including mortgage, consumer and small business lenders, loan processors and
loan servicing.
Learning Objectives
After completing this course, students will be able to:
-
Explain the purpose of the National Flood Insurance Program
-
Explain when a flood determination must be made
-
Describe the types of loans subject to flood insurance
-
Explain the bank's responsibilities for ensuring flood
insurance is in place
Home Mortgage
Disclosure Act/Regulation C (HMDA)
Length: 1
hour
Member price:
$95
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Course Description
This course introduces students to the home
mortgage data and disclosure information that must be provided to the public and
federal government as a result of the implementation of the Home Mortgage
Disclosure Act. Students will learn about the types of loans covered by HMDA,
the information that is required for reporting on the Loan Application Register,
and the role of supervisory agencies and management in ensuring that the data is
reported as outlined in HMDA. Throughout the course, students will learn about
the significant changes that have been made to this Act that will, in most
cases, become effective January, 2004.
Audience
Bank personnel with responsibilities for any part of the
mortgage lending process.
Learning Objectives
After completing this course, students will be able to:
-
Explain
the purpose of the Home Mortgage Disclosure Act and what it covers
-
Describe
the financial institutions required to report HMDA data
-
Provide
an overview of the types of loans covered by HMDA
-
Explain
how the Loan Application Register data is used
-
List
regulatory agencies involved with HMDA reporting
-
Respond
to questions about HMDA
-
Describe
management responsibilities for reporting HMDA information
Office of Foreign Assets Control
(OFAC)
Length: 1 hour
Member price: $95
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Course Description
Office of Foreign Assets Control (OFAC) requirements deals
with every account relationship and transaction that the bank offers to its
customers. This course centers on the OFAC regulations designed to impose
economic sanctions against certain designated countries, what transactions are
involved, and how to handle suspicious transactions. OFAC terminology is also
included.
Audience
Bank personnel who have deposit or lending responsibilities.
Learning Objectives
After completing this course, students will be able to:
-
Define the purpose of OFAC
-
Describe the purpose and use of the Specially Designated
Nationals and Blocked Persons List
-
Explain what to do when there is a match name
-
Identify the reports that must be
made
Privacy for Customer Contact Personnel Length: 2 hours
Member price: $95
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NOW
Course Description
Privacy for
Customer Contact Personnel explores the everyday privacy issues that
customer contact staff are faced with on a regular basis. It covers the existing
Right to Financial Privacy Act as well as Regulation P, the newest consumer
privacy guidelines resulting from the passage of the Gramm-Leach-Bliley Act.
Students will learn the terminology used to discuss the privacy issue, including
opt-out, consumer vs. customer and how to answer consumer questions about their
privacy rights.
Audience
Any employee
with customer contact in a financial institution.
Learning Objectives
After completing
this course, students will be able to:
-
Describe the
purpose of privacy safeguards in the financial services industry
-
Define the
terminology used in discussing privacy issues with consumers
-
Explain the
benefits of information sharing
-
Use techniques
to safeguard client information from pretext calling scams
-
Respond to
customer questions and concerns regarding privacy issues
Real Estate Settlement Procedures
Act (RESPA)/Regulation X
Length:
4 hours
Member price: $95
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NOW
Course Description
This course will
provide the background and purpose of Regulation X, applicable loan
transactions, responsibilities of the lender, required disclosures including
Good Faith Estimate Statements and HUD 1, and penalties for not adhering to
Regulation X.
Audience
Any employee
involved in the lending process, including mortgage, consumer and small business
lenders, loan processors and loan servicers
Learning Objectives
After completing
this course, students will be able to:
-
Discuss the
purpose of Regulation X
-
Identify and
describe credit transactions that are subject to Regulation X
-
Provide and
explain disclosures required by Regulation X
-
Utilize the
correct timing and format of disclosures applicable to common and specialized
loan transactions
-
Identify,
explain and provide special required disclosures of settlement service
providers
-
Identify and
prevent situations that constitute illegal transactions or "kickbacks"
-
Discuss the
penalties of not adhering to Regulation X
-
Explain how
Regulation X impacts their job responsibilities
Regulatory
Compliance for Customer Service Representatives
Length:
3 hours
Member Price: $95
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Course Description
Customer
Service Representatives are often the first “face” the customer sees in the
bank. Excellent customer service skills and a thorough knowledge of bank
products and services are critical to the relationship created between the bank
and the customer. Customer service representatives also need a thorough
knowledge of the regulations that affect bank policies and procedures.
Regulatory Compliance for Customer Service Representatives offers valuable
information on ten regulations that directly affect the responsibilities of Call
Center Representatives in most financial institutions. The regulations have been
divided into four categories. Each category will take approximately one hour to
complete. The lists below show the four categories and the regulations included
in each category.
-
Privacy and Security
-
Deposit
-
Expedited Funds
Availability Act, Regulation CC
-
Truth in Savings Act,
Regulation DD
-
General Account Inquiry
-
Reserve Requirements of
Depository Institutions, Regulation D
-
Electronic Funds
Transfer Act, Regulation E
-
Equal Treatment
Audience
Customer
Service Representatives who need a thorough knowledge of the regulations that
affect bank policies and procedures.
Learning Objectives
After completing this course, students will be able to:
-
Explain their
responsibility in complying with the privacy and security regulations by
using and filing appropriate BSA and OFAC reports, describing accounts that
pose risks to the bank under the USA PATRIOT Act, and explain the privacy
issues that impact customers under Privacy for Customer Contact Personnel.
-
Explain their
responsibility in complying with the deposit regulations by describing hold
policies under Regulation CC, account disclosures and inquiries under
Regulation DD
-
Explain their
responsibility in complying with general account inquiry regulations by
describing the effect of Regulation D on the function of various account
types, and the process of customer notification to the bank under Regulation
E.
-
Explain their
responsibility in complying with the equal treatment regulations by using
best practices to avoid discriminating against customers in lending
activities under ADA, and providing public information under CRA.
Regulatory
Compliance for Call Center Representatives
Length:
3 hours
Member Price: $95
ENROLL NOW
Course Description
Call
Center Representatives assist customers by opening accounts, identifying and
handling inquiries, and cross-selling bank products. Effective call center
representatives must also demonstrate a thorough knowledge of the regulations
that affect bank policies and procedures. Regulatory Compliance for Call
Center Representatives offers valuable information on ten regulations that
directly affect the responsibilities of Call Center Representatives in most
financial institutions. The regulations have been divided into four categories.
Each category will take approximately one hour to complete. The lists below show
the four categories and the regulations included in each category.
-
Privacy and Security
-
Deposit
-
Expedited Funds
Availability Act, Regulation CC
-
Truth in Savings Act,
Regulation DD
-
General Account Inquiry
-
Electronic Funds
Transfer Act, Regulation E
-
Reserve Requirements of
Depository Institutions, Regulation D
-
Equal Treatment
Audience
Call Center Representatives who must
effectively demonstrate a thorough knowledge of the regulations that affect bank
policies and procedures.
-
Learning Objectives
After completing
this course, students will be able to:
-
Explain their
responsibility in complying with the privacy and security regulations by
using and filing appropriate BSA and OFAC reports, describing accounts that
pose risks to the bank under the USA PATRIOT Act, and explain the privacy
issues that impact customers under Privacy for Customer Contact Personnel.
-
Explain their
responsibility in complying with the deposit regulations by describing hold
policies under Regulation CC, account disclosures and inquiries under
Regulation DD.
-
Explain their
responsibility in complying with general account inquiry regulations by
describing the effect of Regulation D on the function of various account
types, and the process of customer notification to the bank under Regulation
E.
-
Explain their
responsibility in complying with the equal treatment regulations by
describing consumer notices and information sharing under FCRA, and using
best practices to avoid discriminating against customers in lending
activities under ADA.
Regulatory Compliance for Bank
Tellers
Length:
3 hours
Member Price: $95
ENROLL NOW
Course Description
Tellers, very often, spend more time with a customer than any other employee
in the bank. In addition to providing excellent customer service, tellers must
also demonstrate a thorough understanding of the regulations specific to the
responsibilities that are part of the day-to-day job functions. Regulatory
Compliance for Bank Tellers offers valuable information on eight regulations
that directly affect the responsibilities of tellers in most financial
institutions. The regulations have been divided into three categories. Each
category will take approximately one hour to complete. The lists below show the
three categories and the regulations included in each category.
-
Privacy and Security
-
Deposit
-
Expedited Funds
Availability Act, Regulation CC
-
Reserve Requirements of
Depository Institutions, Regulation D
-
Electronic Funds
Transfer Act, Regulation E
-
Equal Treatment
Audience
Tellers
who must demonstrate a thorough understanding of the regulations specific to the
responsibilities that are part of the day to day job functions.
Learning Objectives
After completing this course, students will be able to:
-
Explain their
responsibility in complying with the privacy and security regulations by
using and filing appropriate BSA and OFAC reports, and describe the privacy
issues that impact customers under Privacy for Customer Contact Personnel.
-
Explain their
responsibility in complying with the deposit regulations by describing hold
policies under Regulation CC, and describing the effect of Regulation D on
the function of various account types, and the process of customer
notification to the bank under Regulation E.
-
Explain their
responsibility in complying with the equal treatment regulations by using
best practices to avoid discriminating against customers in lending
activities under ADA, and providing public information under CRA.
Regulatory Compliance for
Personal Bankers
Length:
4 hours
Member Price: $95
ENROLL NOW
Course Description
Personal
Bankers are responsible for providing a wide range of banking services to meet
customer needs and expectations. To help meet those needs, successful personal
bankers must demonstrate effective interpersonal skills and a thorough knowledge
of bank policies and procedures including regulatory compliance issues.
Regulatory Compliance for Personal Bankers offers valuable information on
sixteen regulations that directly affect the responsibilities of personal
bankers in most financial institutions. The regulations have been divided into
six categories. Each category will take approximately one hour to complete. The
lists below show the six categories and the regulations included in each
category.
Audience
Personal
Bankers who must successfully demonstrate knowledge of regulatory compliance
issues.
Learning Objectives
After completing this course, students will be able to:
-
Explain their
responsibility in complying with the privacy and security egulations by
using and filing appropriate BSA and OFAC reports, describing accounts that
pose risks to the bank under the USA PATRIOT Act, and explain the privacy
issues that impact customers under Privacy for Customer Contact Personnel.
-
Explain their
responsibility in complying with the deposit regulations by describing hold
policies under Regulation CC, account disclosures and inquiries under
Regulation DD, and customer notification to the bank under Regulation E.
-
Explain their
responsibility in complying with the ethics and fair lending regulations by
describing employee code of conduct requirements under the Bank Bribery Act,
and consumer notices and information sharing under FCRA.
-
Explain their
responsibility in complying with the equal treatment regulations by using
best practices to avoid discriminating against customers in lending
activities under Fair Lending and ECOA and persons with disabilities under
ADA, and providing public information under CRA.
-
Explain their
responsibility in complying with the real estate regulations by discussing
loans covered, and using the LAR under HMDA, and home buying disclosures and
activities prohibited under RESPA.
-
Explain their
responsibility in complying with the truth in lending regulation by
describing annual percentage rate, types of disclosures, right of
rescission, and penalties for non-compliance under Regulation Z.
Soldiers'
and Sailors' Civil Relief Act Length:
1 hour
Member price:
$95
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NOW
Course Description
This course introduces students to the Soldiers'
and Sailors' Civil Relief Act. Students will learn how the Soldiers' and
Sailors' Civil Relief Act works to suspend or postpone certain civil obligations
so that military personnel can devote their full attention to their military
duties. Students will learn what the regulations are, when they are in effect,
and who qualifies for the provisions contained in the Act.
Audience
Bank personnel with lending responsibilities.
Learning Objectives
After completing this course, students will be able to:
-
Explain
the purpose of the Soldiers' and Sailors' Civil Relief Act
-
Describe
when the provisions of the Act are in effect
-
Identify
who is eligible for the provisions in the Act
-
Discuss
the primary protections due to military personnel under Soldiers' and
Sailors' Civil Relief Act
Truth in Lending Act - Regulation Z
Length: 4 hours
Member Price: $95
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Course
Description
Truth in Lending
Act - Regulation Z
shows students how to comply with Regulation Z. Students will learn about the
conditions that led to the enactment of Regulation Z, and how to properly
disclose the terms of various loan types, advertise loan rates, disclose the
cost of credit, and calculate and disclose a loan’s rescission period. The
course teaches students how to adhere to the technical requirements of
Regulation Z, including how to present required documentation and explain terms
in a way that clients will understand. The course also covers how Regulation Z
is enforced, and the penalties for non-compliance with Regulation Z.
Audience
Bank personnel involved in the lending
process, including mortgage, consumer and small business lenders, loan
processors and loan servicers.
Learning Objectives
After completing this course, students will be able to:
-
Discuss the
purpose and history of Regulation Z
-
Quote an Annual
Percentage Rate (APR)
-
Calculate and
describe a Rescission Period
-
Apply
Regulation Z to specific banking job roles
Truth in Savings Act - Regulation DD
Length:
3 hours
Member Price: $95
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Course Description
Truth in Savings Act - Regulation DD provides consistency in the way
rates and disclosures are provided to clients. Participants in this course will
learn how rate information must be shared with clients, including verbal rate
quotes and marketing efforts. Participants will also learn what disclosures are
required and when those disclosures must be given to clients opening deposit
account products.
Audience
Bank personnel who are responsible for opening new accounts and quoting
rates to clients
Learning Objectives
After completing this course, students will be able to:
-
Identify clients and
accounts subject to disclosure requirements
-
Share rates as required by
the Truth in Savings Act
-
Provide the appropriate
disclosure information within the timeframes outlined in the Truth in
Savings Act
-
Explain disclosure
terminology
USA
Patriot Act
Length:
1 hour
Member price:
$95
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Course Description
The USA PATRIOT Act has applications in almost all areas of
the financial world. In this course students will learn the key aspects of the
Act and what is needed to implement its provisions. Student will also learn how
this Act affects the sharing of certain types of information between financial
institutions and law enforcement officials to identify transactions that may
involve terrorist activity or money laundering.
Audience
Bank personnel with deposit function responsibilities.
Learning Objectives
After completing this course, students will be able to:
-
Describe
the purpose of the USA PATRIOT Act
-
Describe
the types of accounts that pose the greatest risk to the bank for potential
use by terrorists or those who fund terrorist activities
-
Explain
the required procedures for at risk accounts
-
Describe
the records that the bank must maintain regarding foreign correspondent and
private banking accounts
-
Explain
how to respond to requests for information from FinCEN
-
Describe
the process for sharing information with other financial institution
Short,
Regulation-Specific, Job-Specific Compliance Courses
Office of Foreign Asset Control (OFAC) for Call Center Representatives, Customer
Service Representatives, Personal Bankers, and Tellers
Length:
15 minutes
Price:
$35
ENROLL NOW
Course Description
This course
focuses on the OFAC responsibilities of Call Center Representatives, Customer
Service Representatives, Personal Bankers, and Tellers. It explains that the
Specially Designated Nations (SDN) and Blocked Persons list and those
individuals subject to the jurisdiction of the U.S. are prohibited from doing
business with the bank. This course also focuses on following bank policies and
procedures to handle match names, and the rules related to blocked funds.
Audience
Call Center Representatives who interact with clients over the phone on a daily
basis. Customer Service Representatives who service clients. Personal Bankers
who interact with deposit, business and lending clients. Tellers who conduct
transactions for clients on a daily basis.
USA PATRIOT Act for Call Center Representatives, Customer Service
Representatives, Personal Bankers, and Tellers
Length:
15 minutes
Price:
$35
ENROLL NOW
Course Description
This course
focuses on the USA PATRIOT Act responsibilities of Call Center Representatives,
Customer Service Representatives, Personal Bankers, and Tellers. It identifies
types of accounts with increased risk of terrorist activity, and explains
additional documentation and due diligence required for handling any permitted
accounts that pose increased risk to banks. This course specifies the importance
of not ignoring any action or transaction that may be suspicious. It refers to
the BSA course for further details on suspicious activity reporting.
Audience
Call Center
Representatives who interact with clients over the phone on a daily basis.
Customer Service Representatives who service clients. Personal Bankers who
interact with deposit, business and lending clients. Tellers who conduct
transactions for clients on a daily basis.
Privacy for Call Center Representatives
Length:
15 minutes
Price:
$35
ENROLL NOW
Course Description
This course
focuses on privacy responsibilities that Call Center Representatives face each
day. It explains Regulation P that requires financial institutions to disclose
the categories of nonpublic personal information that might be shared with third
parties. This course helps Call Center Representatives to understand how and why
consumer information is shared so they can educate customers and address their
concerns. The course also covers
Audience
Call Center
Representatives who interact with clients over the phone on a daily basis.
Privacy for Tellers
Length:
15 minutes
Price:
$35
ENROLL NOW
Course Description
This course
focuses on privacy responsibilities that Tellers face each day. It explains
Regulation P that requires financial institutions to disclose the categories of
nonpublic personal information that might be shared with third parties. This
course helps Tellers to understand how and why consumer information is shared so
they can educate customers and address their concerns. The course also covers
how to keep customer nonpublic information out of the public eye in a bank work
setting.
Audience
Tellers who
conduct transactions for clients on a daily basis.
Privacy for Customer
Service Representatives
Length:
15 minutes
Price:
$35
ENROLL NOW
Course Description
This course
focuses on privacy responsibilities that Customer Service Representatives face
each day. It explains Regulation P that requires financial institutions to
disclose the categories of nonpublic personal information that might be shared
with third parties. This course helps Customer Service Representatives to
understand how and why consumer information is shared so they can educate
customers and address their concerns. The course also covers how to keep
customer nonpublic information out of the public eye in a bank work setting.
Audience
Customer
Service Representatives who service clients on a daily basis.
Privacy for
Personal Bankers
Length:
15 minutes
Price:
$35
ENROLL NOW
Course Description
This course
focuses on privacy responsibilities that Personal Bankers face each day. It
explains Regulation P that requires financial institutions to disclose the
categories of nonpublic personal information that might be shared with third
parties. This course helps Personal Bankers to understand how and why consumer
information is shared so they can educate customers and address their concerns.
The course also covers how to keep customer nonpublic information out of the
public eye in a bank work setting.
Audience
Personal
Bankers who interact with deposit, lending and business clients on a daily
basis.
Expedited Funds Availability (Reg CC) for Call Center Representatives
Length:
15 minutes
Price:
$35
ENROLL NOW
Course Description
This course
focuses on the Reg CC responsibilities of Call Center Representatives. It lists
specific deadlines when banks must make funds deposited into client transaction
accounts available. It explains business-day
availability schedules used on transaction account deposits. This course helps
Call Center Representatives to understand the importance of availability
disclosures at the time of account opening. It also describes how Check 21 can
affect funds availability, and positively affect check processing for clients
and the bank.
Audience
Call Center
Representatives who interact with clients over the phone on a daily basis.
Expedited Funds Availability (Reg CC) for Customer Service Representatives
Length:
15 minutes
Price:
$35
ENROLL NOW
Course Description
This course
focuses on the Reg CC responsibilities of Customer Service Representatives. It
lists specific deadlines when banks must make funds deposited into client
transaction accounts available. It explains
business-day availability schedules used on transaction account deposits. This
course helps Customer Service Representatives to understand the importance of
availability disclosures at the time of account opening in the bank and by mail.
It also describes how Check 21 can affect funds availability, and positively
affect check processing for clients and the bank.
Audience
Customer
Service Representatives who may handle customer service issues related to Reg CC
availability schedules and disclosures.
Expedited
Funds Availability (Reg CC) for Personal Bankers
Length:
15 minutes
Price:
$35
ENROLL NOW
Course Description
This course
focuses on the Reg CC responsibilities of Personal Bankers. It lists specific
deadlines when banks must make funds deposited into client transaction accounts
available. It explains business-day availability
schedules used on transaction account deposits. This course helps Personal
Bankers to understand the importance of availability disclosures at the time of
account opening in the bank and by mail. It also describes how Check 21 can
affect funds availability, and positively affect check processing for clients
and the bank.
Audience
Personal
Bankers who interact with deposit, lending, and business clients that may have
issues related to Reg CC availability schedules and disclosures.
Expedited Funds
Availability (Reg CC) for Tellers
Length:
15 minutes
Price:
$35
ENROLL NOW
Course Description
This course
focuses on the Reg CC responsibilities of Tellers. It lists specific deadlines
when banks must make funds deposited into client transaction accounts available.
It explains business-day availability schedules used
on transaction account deposits. This course also describes how Check 21 can
affect funds availability, and positively affect check processing for clients
and the bank.
Audience
Tellers who
conduct transactions subject to Reg CC hold requirements.
Truth in
Savings Act (Reg DD) for Call Center Representatives
Length:
15 minutes
Price:
$35
ENROLL NOW
Course Description
This course
focuses on the Reg DD responsibilities of Call Center Representatives. It
provides information concerning the Truth and Savings Act to help depositors
better understand and compare account terms and conditions. The course lists and
explains deposit accounts available to or held by clients that are covered by
Reg DD. This course also helps Call Center Representatives identify specific
phone inquiries about accounts that triggers the requirement to provide Truth in
Savings disclosures.
Audience
Call Center
Representatives who are responsible for opening new accounts and quoting rates
over the phone.
Truth in Savings Act (Reg DD) for Customer Service Representatives
Length:
15 minutes
Price:
$35
ENROLL NOW
Course Description
This course
focuses on the Reg DD responsibilities for Customer Service Representatives. It
provides information concerning the Truth and Savings Act to help depositors
better understand and compare account terms and conditions. It lists and
explains deposit accounts available to or held by clients that are covered by
Reg DD. This course also helps Customer Service Representatives identify
specific in-bank and phone inquiries about accounts that triggers the
requirement to provide Truth in Savings disclosures.
Audience
Customer
Service Representatives who are responsible for servicing clients on a daily
basis where Reg DD disclosure issues may come up.
Truth in Savings
Act (Reg DD) for Personal Bankers
Length:
15 minutes
Price:
$35
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Course Description
This course
focuses on the Reg DD responsibilities of Personal Bankers. It provides
information concerning the Truth and Savings Act to help depositors better
understand and compare account terms and conditions. It lists and explains
deposit accounts available to or held by clients that are covered by Reg DD.
This course also helps Personal Bankers identify specific in-bank and phone
inquiries about accounts that triggers the requirement to provide Truth in
Savings disclosures.
Audience
Personal
Bankers who interact with clients on a daily basis where Reg DD disclosure
issues may come up.
Reserve Requirements (Reg D) for Call Center Representatives, Customer Service
Representatives, and Tellers
Length:
15 minutes
Price:
$35
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Course Description
This course
focuses on the Reg D responsibilities of Call Center Representatives, Customer
Service Representatives, and Tellers. It lists the Money Market deposit accounts
and savings accounts and their restrictions on the type and number of
transactions allowed per month. This course also explains the Reg D requirement
for financial institutions to follow when clients conduct excessive withdrawals
or transfers of funds.
Audience
Call Center
Representatives who interact with clients over the phone on a daily basis.
Customer Service Representatives who service clients. Tellers who conduct
transactions for clients on a daily basis.
Electronic Funds Transfer Act (Reg E) for Call Center Representatives and
Personal Bankers
Length:
30 minutes
Price:
$55
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Course Description
This course
focuses on the Reg E responsibilities of Call Center Representatives and
Personal Bankers, and how it contains strong protections for clients from
potential fraud and errors in electronic banking transactions. It lists content
and timing requirements for each required disclosure, and requirements for each
preauthorized transfer. This course also lists notice of error situations, and
specifies the importance of routing notices of errors to help ensure that the
bank complies with the error resolution timing requirements of Regulation E.
Audience
Call Center
Representatives who interact with clients over the phone, and Personal Bankers
who interact with deposit and business clients.
Electronic Funds Transfer Act (Reg E) for Customer Service Representatives
Length:
15 minutes
Price:
$35
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Course Description
This course
focuses on the Reg E responsibilities of Customer Service Representatives and
how it contains strong protections for clients from potential fraud and errors
in electronic banking transactions. It lists content and timing requirements for
each required disclosure, and requirements for each preauthorized transfer. This
course also defines a notice of error and lists notice of error situations.
Audience
Customer
Service Representatives who often service clients’ electronic funds transfers.
Electronic Funds
Transfer Act (Reg E) for Tellers
Length:
15 minutes
Price:
$35
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Course Description
This course
focuses on the Reg E responsibilities of Tellers, and how it contains strong
protections for clients from potential fraud and errors in electronic banking
transactions. It lists content and timing requirements for each required
disclosure, and requirements for each preauthorized transfer. This course also
lists notice of error situations, and specifies the importance of routing
notices of errors to help ensure that the bank complies with the error
resolution timing requirements of Regulation E.
Audience
Tellers who
conduct transactions for clients on a daily basis.
Fair
Credit Reporting Act (FCRA) for Call Center Representatives
Length:
15 minutes
Price:
$35
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Course Description
This course
focuses on the FCRA responsibilities of Call Center Representatives. This course
explains how the FCRA exists to ensure a fair and accurate credit reporting
system for clients and the banking system, and to make certain consumer
reporting agencies respect clients' right to privacy. The course identifies
credit and noncredit-related transactions that are allowed under FCRA. It also
explains requirements and restrictions for affiliates with regard to shared
information.
Audience
Call Center
Representatives who interact with clients over the phone on a daily basis.
Fair Credit
Reporting Act (FCRA) for Personal Bankers
Length:
15 minutes
Price:
$35
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Course Description
This course
focuses on the FCRA responsibilities of Personal Bankers. This course explains
how the FCRA exists to ensure a fair and accurate credit reporting system for
clients and the banking system, and to make certain consumer reporting agencies
respect clients' right to privacy. The course identifies credit and
noncredit-related transactions that are allowed under FCRA. It explains
requirements and restrictions for affiliates with regard to shared information.
It also focuses on clients’ rights when information from a consumer reporting
agency or third party contributes to an adverse
action.
Audience
Personal
Bankers who interact with clients who apply for credit on a daily basis.
Americans with Disability Act (ADA) for Call Center Representatives, Customer
Service Representatives, Personal Bankers, and Tellers
Length:
15 minutes
Price:
$35
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Course Description
This course
focuses on the ADA responsibilities of Call Center Representatives, Customer
Service Representatives, Personal Bankers, and Tellers. It describes the federal
law that prohibits discrimination against persons with a disability. This course
identifies the types of situations that could involve discrimination at the
bank. It also provides various examples of appropriate etiquette that should be
used when interacting with individuals with disabilities.
Audience
Call Center
Representatives who interact with clients over the phone on a daily basis.
Customer Service Representatives who service clients. Personal Bankers who
interact with deposit, business and lending clients. Tellers who conduct
transactions for clients on a daily basis.
Community Reinvestment Act (CRA) for Customer Service Representatives, Personal
Bankers, and Tellers
Length:
15 minutes
Price:
$35
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Course Description
This course
focuses on the CRA responsibilities of Customer Service Representatives,
Personal Bankers, and Tellers. It explains the CRA requirement for federal
banking regulators to publicly evaluate and rate FDIC-insured banks and savings
associations to ensure they meet the credit needs of all neighborhoods. This
course describes the information that must be made available in a CRA Public
Evaluation, as well as certain records in its public file.
Audience
Customer
Service Representatives who service clients. Personal Bankers who interact with
deposit, business and lending clients. Tellers who conduct transactions for
clients on a daily basis.
Bank
Bribery Act for Personal Bankers
Length:
15 minutes
Price:
$35
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Course Description
This course
focuses on how a bank's code of conduct or policy should alert Personal Bankers
about the bank bribery statute, and/or guidance about acceptable business
practices. This course lists examples where the bank prohibits their officials
from accepting a business opportunity from anyone seeking to do business with
the bank. It also explains any exceptions to those prohibitions, and how
employees must disclose anything of value to the bank.
Audience
Personal
Bankers who come in contact with various deposit, lending, and business clients.
Fair
Lending for Personal Bankers
Length:
15 minutes
Price:
$35
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Course Description
This course
focuses on the Fair Lending responsibilities of Personal Bankers. It provides
examples of conversations between bankers and clients to illustrate how subtle
unfair treatment can become illegal discrimination. This course includes a table
that lists anti-discrimination laws and the purposes of each when it comes to
the three types of discrimination. It also identifies best practices Personal
Bankers should use with clients during the inquiry, credit application, and
credit decision stages of the credit process.
Audience
Personal
Bankers who come in contact with various deposit, lending, and business clients.
Home Mortgage
Disclosure Act (HMDA) for Personal Bankers
Length:
15 minutes
Price:
$35
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Course Description
This course
focuses on the HMDA responsibilities of Personal Bankers. It explains that HMDA
is a data collection and disclosure law used to gather information on the home
lending activity of financial institutions that meet certain guidelines. It
describes each loan type covered under HMDA and how funds are used for each.
This course also explains how to complete each section of the
Loan Application Register (LAR) so that data from
financial institutions can be reported in a specific format to the Federal
Reserve Board.
Audience
Personal
Bankers who interact with lending clients on a daily basis.
Bank Secrecy
Act (BSA) for Call Center Representatives
Length:
30 minutes
Price:
$55
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Course Description
This course
focuses on the BSA responsibilities of Call Center Representatives. It explains
that the quality of a bank's compliance depends on the actions of its
client-contact employees and how important it is for Call Center Representatives
to follow the bank's policies and procedures. This course explains how to
complete the Suspicious Activity Report as a means for bank employees to play a
critical role in helping law enforcement officials track illegally obtained
funds to their original source.
Audience
Call Center
Representatives who interact with deposit and lending clients over the phone on
a daily basis.
Bank
Secrecy Act (BSA) for Customer Service Representatives
Length:
30 minutes
Price:
$55
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Course Description
This course
focuses on the BSA responsibilities of a Customer Service Representative. It
explains that the quality of a bank's compliance depends on the actions of its
client-contact employees and how important it is for Customer Service
Representatives to follow the bank's policies and procedures. This course
explains how to complete the Currency Transaction Report and Suspicious Activity
Report as a means for bank employees to help law enforcement officials track
illegally obtained funds to their original source, and describes the
qualifications for Designation of Exempt Person status. Customer Service
Representatives also learn how to include three key points to answer client
questions as to why BSA reports must be completed.
Audience
Customer
Service Representatives who service deposit and lending clients on a daily
basis.
Bank Secrecy Act (BSA) for Personal Bankers
Length:
30 minutes
Price:
$55
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Course Description
This course
focuses on the BSA responsibilities of a Personal Banker. It explains that the
quality of a bank's compliance depends on the actions of its client-contact
employees and how important it is for Personal Bankers to follow the bank's
policies and procedures. This course explains how to complete the Currency
Transaction Report and Suspicious Activity Report as a means for bank employees
to help law enforcement officials track illegally obtained funds to their
original source, and describes the qualifications for Designation of Exempt
Person status. Personal Bankers also learn how to include three key points to
answer client questions as to why BSA reports must be completed.
Audience
Personal
Bankers who interact with deposit and lending clients on a daily basis.
Equal Credit
Opportunity Act (ECOA) for Personal Bankers
Length:
30 minutes
Price:
$55
Course Description
This course
focuses on the ECOA responsibility of Personal Bankers who deal with credit
applicants, to ensure that they are treated fairly. This course identifies how
the ECOA’s provisions affect a bank's procedures for all aspects of the credit
transaction process, from making credit available to finally making a credit
decision and maintaining client records. This course also reminds Personal
Bankers about civil liabilities and other consequences for noncompliance.
Audience
Personal
Bankers who interact with lending clients on a daily basis.
Real Estate Settlement Procedures Act (RESPA) for Personal Bankers
Length:
30 minutes
Price:
$55
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Course Description
This course
focuses on the RESPA responsibilities for Personal Bankers. It describes its
intent to protect home buyers from unnecessary high service charges resulting
from abusive practices. It lists eight disclosures that RESPA requires lenders
to provide during the home buying process and in what home buying situations
disclosures apply. This course also includes a chart of activities prohibited by
RESPA and their related scenarios and reasons for the violations.
Length:
45 minutes
Price:
$55
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Course Description
This course
focuses on the Reg Z responsibilities for Personal Bankers. It explains the
importance of quoting the rate to clients as the annual percentage rate as a
means to provide rates and fees in uniform terms, allowing consumers to compare
them when shopping for their loans. It describes each disclosure required by Reg
Z and in what stage they must be used in a loan transaction. This course also
explains the right of rescission and those transactions that are exempt from it.
Audience
Personal Bankers who interact with lending clients on a daily basis.
Bank
Secrecy Act (BSA) for Tellers
Length:
30 minutes
Price:
$55
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Course Description
This course
focuses on the BSA responsibilities of a Teller. It explains that the quality of
a bank's compliance depends on the actions of its client-contact employees and
how important it is for Tellers to follow the bank's policies and procedures.
This course explains how to complete the Currency Transaction Report and
Suspicious Activity Report as a means for bank employees to help law enforcement
officials track illegally obtained funds to their original source, and describes
the qualifications for Designation of Exempt Person status. Tellers also learn
how to include three key points to answer client questions as to why BSA reports
must be completed.
Audience
Tellers who
conduct client transactions on a daily basis.
Bank Secrecy
Act for Managers
Length:
1 hour
Price:
$95
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Course Description
The Bank
Secrecy Act is designed to deter crime through its record keeping and reporting
requirements. These reporting requirements provide the government with a paper
trail by which law enforcement agencies can track suspicious financial
transactions.
Audience
Any bank manager or senior level employee who wants to get an overview of how
BSA fits into deposit operations or lending functions of a banking office or
department.
Wealth Management and Trust
Personal
Trust Curriculum 1
Building Trust Expertise - Investment Management Length: 8
hours Member price: $365
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NOW
Course Description
In Building
Trust Expertise - Investment Management, students will learn trust
investment basics. They will enhance their professionalism by increasing their
comfort level in discussing a trust investment portfolio with clients and
beneficiaries. Students will learn about the investment types commonly used in
trusts, the methods for stock and bond selection and analysis, and the economic
influences and legal considerations regarding trust investments. Students will
also examine the various considerations and tools for portfolio
management.
Audience
New Trust
Administrators and Trust Associates.
Learning Objectives
After completing
this course, students will be able to:
-
Define the
types of investments used in trusts that fall within these categories: Cash
and liquid, fixed income, equity, mutual fund, and other
-
Describe the
methods used to select and analyze stock and bond investments
-
Explain the
mechanics of portfolio management
-
Identify key
client information to help clients determine investment portfolio
considerations
-
Describe
economic influences regarding trust investments, including the Federal
Reserve, business cycles, and economic indicators
-
Explain the
legal considerations that affect actions regarding trust investments.
Building
Trust Expertise - Taxation and Estate Planning Length:
6
hours Member price: $365
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NOW
Course
Description
Building Trust Expertise - Taxation and Estate Planning introduces
students to basic fiduciary income tax and estate planning concepts. It begins
with tax basics, including terminology and how income tax is calculated. The
trust taxation discussion covers the tax implications for grantor and charitable
trusts, as well as trust accounting income. Students will also learn about
distributable net income (DNI)-what it is and how to calculate it for simple and
complex trusts. Students will move on to transfer taxes, including gift, estate,
and generation skipping transfer taxes. This covers special rules for these
taxes, ways to minimize taxes, and how to calculate the various taxes. Next,
students will learn about basic estate planning, including why estate planning
is important, things to consider, and advantages and disadvantages of making
lifetime gifts. Finally, students will learn about estate planning with the
marital deduction. Audience
New Trust Administrators and Trust Associates.
Learning
Objectives
After completing this course, students will be able to:
-
Define basic terms
-
Explain how trusts
are taxed
-
Calculate
distributable net income
-
Minimize transfer
taxes
-
Calculate gift,
estate, and generation-skipping transfer taxes
-
Describe why estate
planning is important
-
Identify
considerations when developing an estate plan
-
Use the marital
deduction to maximize estate planning
Building
Trust Expertise - Trust Administration
Length:
6 hours
Member price:
$365
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Course Description
This course will
provide the background and purpose of Regulation Z, disclosure requirements
applying to the various loan types, requirements of advertising loan rates,
information to calculate the cost of credit, Right of Rescission disclosure, and
the penalties for not adhering to Regulation Z.
Audience
Any employee
involved in the lending process, including mortgage, consumer and small business
lenders, loan processors and loan servicers
Learning Objectives
After completing
this course, students will be able to:
-
Discuss the
purpose of Regulation Z
-
Explain
terminology specific to this regulation
-
Identify and
describe credit transactions that are subject to Regulation Z
-
Describe the
components used to calculate the annual percentage rate and the difference
between annual percentage rates and interest rates
-
Utilize the
correct timing and format of disclosures applicable to common and specialized
loan transactions
-
Discuss the
penalties of not adhering to Regulation Z
-
Explain how
Regulation Z impacts their job responsibilities
Personal
Trust Curriculum 2
Discretionary Distributions
Length:
2 hours
Member Price:
$160
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Course Description
Discretionary
Distributions
introduces you to the basic principles of discretionary distributions. It
covers the reasons for making discretionary distributions and the trustee's
authority to make them, as well as distribution standards, tax consequences,
and other potential liabilities involved in making discretionary
distributions.
Audience
This
course is appropriate for Trust Officers who have already achieved a basic
level of knowledge and expertise in the trust field.
Learning Objectives
After completing this course, students will be able to:
-
Identify the relevant
factors to consider in making discretionary distributions
-
Identify and interpret
the standards applied in exercising discretionary powers
-
Describe the potential
tax consequences of making discretionary distributions
-
Explain the effects of
special considerations such as attachment by creditors, spendthrift
clauses, and disabled or incapacitated beneficiaries
Estate Planning Overview
Length:
2 hours
Member Price:
$160
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Course Description
Estate Planning Overview presents the basic knowledge to enable
Trust Officers to recognize the needs of clients in order to determine an
estate plan with tax or non-tax considerations. The course also reinforces
the consequences of the unauthorized practice of law.
Audience
This course is appropriate for Trust Officers who have already achieved
a basic level of knowledge and expertise in the trust field.
Learning Objectives
After completing this course, students will be able to:
-
Examine the goals of
estate planning as part of a client's overall financial strategy
-
Identify non-tax
considerations as relevant to estate planning
-
Recognize the
consequences of engaging in the unauthorized practice of law
-
Estate Planning for
Marital Deduction
-
Estate Planning for
Marital Deduction
is designed to reinforce the professionalism and expertise you currently
possess as a trust officer. Students will learn strategies for the
optimum use of the marital deduction. By comparing marital formulas,
students will learn to determine which marital deduction trusts to use
for particular client needs.
Audience
This
course is appropriate for trust officers who already have a basic knowledge
of Federal Transfer Taxes and seek to expand their skills to enable them to
advise clients with respect to clients' estate plans.
Learning Objectives
After completing this course, students will be able to:
-
Recognize a marital
deduction, its value, and requirements for property to qualify for the
marital deduction
-
Compare strategies for
optimum use of the marital deduction depending on the client's tax and
non-tax preferences (maximum deduction, optimum A-B plan, equalizing
marital estates)
-
Describe the purpose of
the different marital formulas used to calculate the marital deductions,
when each is commonly used, and factors to consider in selecting a
formula
-
Identify the purposes,
features, and requirements of the commonly used marital trusts and
recommend which would best serve your clients' needs
Estate Planning for Marital
Deduction
Length: 4 hours
Member Price: $160
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Course Description
Estate
Planning for Marital Deduction
is designed to reinforce the professionalism and expertise you currently
possess as a trust officer. Students will learn strategies for the optimum
use of the marital deduction. By comparing marital formulas, students will
learn to determine which marital deduction trusts to use for particular
client needs.
Audience
This course is appropriate for trust officers who already have a basic
knowledge of Federal Transfer Taxes and seek to expand their skills to
enable them to advise clients with respect to clients' estate plans.
Learning Objectives
After completing this course, students will be able to:
-
Recognize a marital deduction, its value, and requirements for property
to qualify for the marital deduction
-
Compare strategies for optimum use of the marital deduction depending on
the client's tax and non-tax preferences (maximum deduction, optimum A-B
plan, equalizing marital estates)
-
Describe the purpose of the different marital formulas used to calculate
the marital deductions, when each is commonly used, and factors to
consider in selecting a formula
-
Identify the purposes, features, and requirements of the commonly used
marital trusts and recommend which would best serve your clients' needs
Federal Estate and Gift Taxes
Length: 5 hours
Member Price: $160
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Course Description
Federal Estate and Gift Taxes will give you the knowledge necessary
to discuss the implications of federal estate and gift taxes, and to answer
common tax-related client questions.
Audience
This course is appropriate for trust officers who have already achieved
a basic level of knowledge and understanding of federal estate and gift
taxes.
Learning Objectives
After completing this course, students will be able to:
-
Explain the impact of
the unified tax system
-
Identify the types of
property included in the gross estate
-
Explain the principles
of valuing property in the gross estate
-
Identify property that
may be subject to a discount in valuation
-
List deductions,
exclusions, and credits that apply to either the estate or gift tax
-
Describe transfers that
are subject to the gift tax
-
Calculate estate or
gift tax due
Fiduciary Income Taxes
Length:
4 hours
Member Price: $160
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Course Description
Fiduciary Income Taxes provides you with an understanding of tax
terminology and concepts applicable to estates and trusts. The course
contains detailed information regarding fairly complex concepts. Examples,
self-check quizzes, and practice activities are used throughout the material
to enhance your understanding of the concepts presented.
Audience
This course is appropriate for Trust Officers who have already achieved
a basic level of knowledge and expertise in the trust field.
Learning Objectives
After completing this course, students will be able to:
-
Distinguish between
simple and complex trusts
-
Explain the concept of
the fiduciary account as a conduit
-
Explain the basic
concept and purpose of distributable net income (DNI)
-
Calculate trust
accounting income
-
Calculate distributable
net income (DNI)
-
Calculate the
distribution deduction
-
Determine the amount of
income taxable to each beneficiary
Fiduciary Law
Length:
4 hours
Member Price: $160
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Course Description
Fiduciary Law presents key regulations and rules that govern trusts and
estates, including federal laws and model acts being adopted by different
states. It covers the duties and powers of a trustee, as well as investment
standards and duties. The prudent man/person rule, prudent investor rule,
and Uniform Principal and Income Act are also discussed.
Audience
This course is appropriate for Trust Officers who have already achieved
a basic level of knowledge and expertise in the trust field.
Learning Objectives
After completing this course, students will be able to:
-
Explain the sources of
governance for institutional trustees
-
Identify federal laws
that affect trusts and explain their impact
-
Describe key duties,
powers, and liabilities of trustees
-
Explain the prudent
investor standard of conduct under the prudent man/person and prudent
investor rules, and describe the general investment duties of
fiduciaries
-
Explain key provisions
of the Principal and Income Act
Investments I
Length:
4 hours
Member Price: $160
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Course Description
Investments I
focuses on an overall discussion of investment risk, organization of the
investment decision process, regulatory influences for investments and the
similarities and differences of commingled funds and mutual funds
investments.
This course is not intended to train students to become the sole-providers
of investment information to clients. Instead, students should become
familiar with a big-picture view of investments to better serve and address
clients' needs. Students should still follow any internal bank policy or
procedures regarding the discussion of investments and referrals to internal
support associates.
Audience
Trust professionals looking for a big-picture view of investments and
investment planning concepts. This course is appropriate for trust officers
who have already achieved a basic level of knowledge and expertise in the
trust field.
Learning Objectives
After completing this course, students will be able to:
-
Explain the various
tools used in organizing the investment decision
-
Identify the regulatory
influence for investments
-
Describe the
similarities and differences of commingled funds and mutual funds
-
Discuss various forms
of investment risk
Managing Trust Accounts
Length: 2 hours
Member Price: $160
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Course Description
The Managing Trust Accounts course introduces students to the
basic principles of establishing trust accounts and managing receipts and
payments for these trusts. It covers the procedures for accepting new
accounts, as well as dealing with changes in accounts impacted by
disclaimers, and explains the rules needed to apply the Uniform Principal
and Income Act when allocating receipts and payments.
Audience
This course is appropriate for Trust Officers who have already achieved
a basic level of knowledge and expertise in the trust field.
Learning Objectives
After completing this course, students will be able to:
-
Read and interpret documents before establishing new
accounts or accepting successor trusteeships
-
Identify issues that arise from disclaimers and the
effects on trusts and beneficiaries
-
Correctly apply the rules contained in the 1962 and 1997
Uniform Principal and Income Acts to protect the interests of present and
future beneficiaries
-
Understand the interaction between the Uniform Prudent
Investors Act and the Uniform Principal and Income Act
Retirement Planning
Length:
4 hours
Member Price: $160
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Course Description
Retirement Planning focuses on the types of retirement plans
available, factors that impact various plans, and the importance of
integrating retirement benefits with financial and estate planning.
Activities offer an opportunity to apply guidelines that address the unique
implications of retirement assets.
Audience
This course is appropriate for Trust Officers who have already achieved
a basic level of knowledge and expertise in the trust field.
Learning Objectives
After completing this course, students will be able to:
-
Identify the
differences between defined benefit plans and defined contribution plans
-
Describe the
characteristics of common qualified, nonqualified, and individual
retirement plans
-
Describe the use of
trusts to fund nonqualified plan benefit obligations
-
Identify the different
forms of distribution required for different types of qualified
retirement plans
-
Explain the tax
implications of retirement plans
Personal
Trust Curriculum 3
Estate Planning for
Charitable Giving
Length: TBD
Member Price: $160
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Course Description
This course will expand your technical skills to advise clients on
charitable giving opportunities and its use to provide additional liquidity
for the estate and savings on potential estate taxes. You will explore the
advantages of charitable giving trusts as well as the differences between
charitable organizations and private foundations.
Course Objectives
By completing Estate Planning for Charitable Giving, students
will be able to:
-
Identify the advantages, features, and benefits of charitable trusts.
-
Distinguish between public charities and private foundations.
-
Explain the tax rules affecting charitable contributions.
-
Advise
clients when charitable gifts are appropriate and how such gifts should be
made, in light of tax and non-tax considerations.
-
Counsel clients regarding charitable planning opportunities.
Audience
This course is
appropriate for Trust Officers who have already achieved a basic level of
knowledge and expertise in the trust field.
Prerequisites
Basic knowledge of estate tax.
Estate Planning for Lifetime
Gifts
Length:
TBD
Price:
$160
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Course
Description
This course is
designed to reinforce the professionalism and expertise you currently possess as
a trust officer. You will learn technical skills to aid in advising clients in
the area of lifetime gifts and the effective use of the annual exclusion and the
techniques associated with it. This course also covers the requirements,
features, and limitations of the different types of trusts.
Course Objectives
By completing Estate Planning for Lifetime Gifts, students will be
able to:
-
Assist
clients with determining whether they should incorporate a plan of lifetime
gifts within their
estate plan.
-
Advise
clients on how to make effective use of the annual exclusion and techniques
for transferring assets to minors.
-
List
the requirements for a Crummey trust and when they may be appropriate for
client situations.
-
List
the features and limitations of GRITS, GRATS, and GRUTS, and suggest
strategies for using them when appropriate.
-
Apply
the principles learned in Gifts, Generation Skipping Transfer Tax in
Lifetime Gifts, Gifts of Insurance, and GRITS, GRATS, and GRUTS to determine
when and when not to make a lifetime gift
Audience
This course is
appropriate for trust officers who have already achieved a basic level of
knowledge and expertise in the trust field.
Prerequisites
Basic knowledge of
estate and gift taxes.
Estate Planning for the
Business Owner
Length:
TBD
Price: $160
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Course Description
This course compares different business entities and surveys some of the
techniques available for planning the transfer of a closely held business.
You will learn how to apply techniques in a planning context using case
examples.
Course Objectives
By completing Estate Planning for the Business Owner, students
will be able to:
-
Identify the challenges in estate planning for owners of closely held
businesses.
-
Distinguish the various forms of business entity.
-
Identify methods used in valuing closely held businesses, determining
discounts, and structuring restrictive agreements.
-
Describe the planning techniques available for the effective transfer of
privately owned businesses from one generation to another.
Audience
This course is
appropriate for trust officers who have already achieved a basic expertise with
estate planning generally and who seek to expand their knowledge of estate
planning for business owners. Students undertaking this course should have a
firm understanding of the transfer tax system and basic estate planning,
including planning for lifetime gifts and estate planning for the marital
deduction.
Prerequisite
Basic expertise with general estate
planning.
Estate Planning for Final Case Study
Length:
TBD
Member Price: $160
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Course Description
This
course is the culmination of the Estate Planning courses in Level 2 and Level 3
of the Personal Trust Curriculum. It includes two case studies that cover the
most important issues to be considered when assisting clients with estate plans,
as well as any sales opportunities that may come up. The activities in the
course provide an opportunity to apply what you have learned about estate
planning in two case studies. Each case study contains a narrative about
individuals and their spouses, their assets and liabilities, and a financial
statement. Questions following each case allow you to discover different ways to
handle client situations.
Course Objectives
By completing Estate Planning Final Case Study, students will be able
to:
-
Identify planning opportunities that meet clients’ needs
-
Determine the tax effect of a client’s estate plan and possible transactions
-
Design
strategies to minimize a client’s estate taxes
-
Craft
solutions to client needs that will bring new business opportunities
Audience
This course is
appropriate for trust officers who already have achieved a basic level of
knowledge and expertise in the trust field.
Prerequisites
None
Financial Planning Skills
Length: TBD
Member Price: $160
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Course Description
This course describes the financial planning process as it is used to
enhance relationships with trust clients. It provides a big picture overview
of financial planning, things to consider in any financial planning
discussion, common forms used for financial planning, and how various
measurements of value are used in financial planning.
Course Objectives
By completing the Financial Planning Skills course students will
be able to:
-
Understand the scope of financial planning
-
Explain how Client Profiles, Assets and Liabilities Statements, and Cash
Flow Statements are used to identify client needs
-
Identify how different measurements of value are used in financial planning
Audience
This course is
appropriate for Trust Officers who have already achieved a basic level of
knowledge and expertise in the trust field.
Prerequisites
Basic knowledge/expertise in trust field.
Generation Skipping Transfer Tax
Length:
TBD
Member Price: $160
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Course Description
This course will give you a strong foundation of knowledge about the
terminology, tax law, and tax implications regarding the Generation-Skipping
Transfer (GST) Tax.
GST Tax is one of three possible transfer taxes levied by the federal
government when the ownership of property is transferred. The other two
transfer taxes are estate tax and gift tax, which are covered in Estate
Planning for Lifetime Gifts.
For more in-depth discussions on estate planning issues, refer to the ABA
Estate Planning Manual series:
-
Everything You Need to Know about Transfer Taxes
-
Mastering the Essentials of Estate Planning
-
Applying Advanced Techniques of Estate Planning
Course
Objectives
By completing
Generation-Skipping Transfer Tax, students will be able to:
-
Define
key terminology, including transferor, skip person, and non-skip person
-
Identify the three types of Generation-Skipping Transfers
-
Describe the available GST Tax exclusions and the GST Tax exemption
-
Calculate GST Tax due
Audience
This course is
appropriate for trust officers who have already achieved a basic level of
knowledge and expertise in the trust field.
Prerequisites
Basic knowledge/expertise in trust field.
Investments II
Length:
TBD
Price: $160
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Course Description
This
course focuses on explaining concepts on valuing investments including rate of
return, compound growth and bond valuation. Primary and secondary security
markets and the nature of an efficient market will be introduced. An overview
of how to select and analyze stocks including type and quality of stocks,
grading quality, analysis of common stocks, and dollar-cost averaging will be
presented.
Objectives
By completing the Investment II course students will be able to:
-
Describe the different mutual fund expenses
-
Discuss retail and institutional funds
-
Discuss characteristics of different money market funds
-
Describe an efficient market
-
Describe how the primary market works
-
Describe the function of the NASDAQ and bond markets
-
Explain how rate of return is calculated
-
Describe difference between simple and compound growth
-
Discuss common stock valuation
-
Discuss discount rate
Audience
Trust professionals
looking for a big-picture view of investments and investment planning concepts.
This course is appropriate for trust officers who have already achieved a basic
level of knowledge and expertise in the trust field.
Prerequisites
Basic knowledge/expertise in trust field.
Life Insurance and Annuities
Length:
TBD
Member Price: $160
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Course Description
Life Insurance and Annuities
enhances the trust officer's value to clients as a credible source of
insurance information. Participants will learn about life insurance and
annuity products, review related policy issues and fiduciary
responsibilities, and explore the uses of these products in serving client's
financial- and estate-planning needs.
Audience
This course is appropriate for trust officers who already have achieved
a basic level of knowledge and expertise in the trust field.
Learning Objectives
After completing this course, students will be able to:
-
Describe the benefits
of life insurance and annuities for estate and financial planning needs
-
Describe the features
and characteristics of the different types of life insurance and
annuities
-
Guide cost-effective
insurance policy and annuity contract selections to meet clients'
preferences, needs, and asset safety concerns
-
Assist clients with
determining life insurance and income requirements and ensuring coverage
adequacy and lifetime income protection
-
Advise clients of
taxation considerations relevant to their insurance and annuity
contracts
-
Describe the features
and characteristics of hybrid life insurance policies that serve common
trust client needs
-
Describe special
investment features of annuity types
-
Manage life insurance
and annuity contracts within a trust according to bank policy and
fiduciary responsibility
-
Identify policy and
contract issues that affect clients' estate and financial planning
objectives
-
Identify additional
uses for life insurance and annuity contracts
Case Studies/Assessments
Case Study for
Wealth Advisors: The Corporate Executive
Length:
1 hour
Price:
$95
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Course Description
This simulated case
study allows participants to evaluate skills in providing a high-net-worth
client with fully integrated financial solutions. As the advisor to a highly
compensated corporate executive, you’ll answer a series of in-depth questions
testing your knowledge in four areas: financial planning, tax planning, estate
planning and retirement planning. At the end of the case study, you will receive
an overall assessment of your ability to apply knowledge to a client with a
financial profile that closely mirrors many of the clients found in your
organization’s wealth and trust portfolios.
Audience
The Case Study is designed for experienced wealth and trust advisors, with a
minimum of 3-5 years working with high net worth clients.
Case Study Benefits
-
Wealth
and Trust Management business line managers can assess their employees’
knowledge of key topics that help create integrated financial solutions for
high net worth clients
-
Advisors practice and receive feedback in a ‘safe’ environment, before
putting skills to work in actual client situations
-
The
Case Study provides a realistic client scenario, offering a high-impact
learning experience with immediate feedback
-
The
Case Study can be adapted to teams of advisors and used in subsequent
coaching sessions
-
Web-based delivery allows users to access the Case Study from multiple
locations
Microsoft Office Course
Microsoft Access 2000:
Level 1
Length: 4 hours
Price: $95
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Course Description
Microsoft Access 2000: Level 1
provides the basic skills necessary to begin using Access 2000 including the
design and creation of databases, tables, queries, forms, and reports.
This course has a preassessment that will help you identify those portions of
the course on which you should focus your time. You may retake the preassessment
when you finish the course. The score on most recent taking of the pre-assessment
will be recorded in your transcript. There is narration supplied with the course
if your computer has sound capabilities. However, the narration is not necessary
to successfully complete the course.
Learning Objectives
After completing this course, students will be able to:
·
Describe the
key steps in database planning and design
·
Create and
work with tables
·
Find and edit
records
·
Sort and
filter records
·
Create a query
·
Create and use
forms
·
Create and use
reports
Microsoft Access 2000:
Level 2
Length: 4 hours
Price: $95
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Course Description
Microsoft Access 2000: Level 2
focuses on more advanced database management skills, including analysis, data
validation, and multi-table queries.
This course has a preassessment that will help you identify those portions of
the course on which you should focus your time. You may retake the preassessment
when you finish the course. The score on most recent taking of the preassessment
will be recorded in your transcript. There is narration supplied with the course
if your computer has sound capabilities. However, the narration is not necessary
to successfully complete the course.
Learning Objectives
After completing this course, students will be able to:
·
Query multiple
tables for data used in customized forms and reports
·
Analyze table
relationships
·
Establish and
test referential integrity
·
Use data
validation techniques
·
Use indexing
techniques
·
Customize form
designs by performing calculations and adding combo boxes
·
Create data
access pages
Microsoft Access 2000:
Advanced
Length: 8 hours
Price: $95
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Course Description
Microsoft Access 2000: Advanced covers more advanced Access topics
including complex query techniques, table joins, and more efficient forms and
reports. In addition, it covers how macros can enhance you database and user
input interfaces.
This course has a preassessment that will help you identify those portions of
the course on which you should focus your time. You may retake the preassessment
when you finish the course. The score on most recent taking of the preassessment
will be recorded in your transcript. There is narration supplied with the course
if your computer has sound capabilities. However, the narration is not necessary
to successfully complete the course.
Learning Objectives
After completing this course, students will be able to:
·
Create parameter
queries
·
Create action
queries
·
Join tables and
work with join properties
·
Create cross-tab
queries
·
Use functions to
control data entry
·
Use a form as the
user interface
·
Create a form
that contains a subform
·
Create and use
macros
·
Attach a macro to
a command button
·
Use macros to
provide user interaction and automate data entry
Microsoft Excel 2000:
Level 1
Length:
4
hours
Price: $95
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Course Description
Microsoft Excel 2000:
Level 1 provides the
basic skills needed to work with an Excel spreadsheet. The procedures you will
learn include navigating, entering data, using formulas, moving and copying
data, and formatting and printing a worksheet.
This course has a preassessment that will help you
identify those portions of the course on which you should focus your time. You
may retake the preassessment when you finish the course. The score on most
recent taking of the preassessment will be recorded in your transcript. There is
narration supplied with the course if your computer has sound capabilities.
However, the narration is not necessary to successfully complete the course.
Learning Objectives
After
completing this course, students will be able to:
·
Navigate around an Excel spreadsheet
·
Enter and correct data
·
Create and enter formulas
·
Work with ranges and functions
·
Move and copy data
·
Format and print a worksheet
Microsoft Excel 2000: Level
2
Length:
4
hours
Price: $95
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Course Description
Microsoft Excel 2000: Level 2 covers the use of electronic charts,
chart items, and graphics to enhance worksheet data reports in Excel. It covers
procedures for creating, modifying and formatting charts, adding graphic objects
to charts, and sorting and filtering data.
This course has a preassessment that will help you identify those portions of
the course on which you should focus your time. You may retake the preassessment
when you finish the course. The score on most recent taking of the preassessment
will be recorded in your transcript. There is narration supplied with the course
if your computer has sound capabilities. However, the narration is not necessary
to successfully complete the course.
Learning Objectives
After
completing this course, students will be able to:
·
Create a chart sheet
·
Add and delete chart items
·
Move and size chart items
·
Format labels and chart text
·
Sort data at both single and multiple levels
·
Filter lists
Microsoft Excel 2000:
Advanced
Length: 4 hours
Price: $95
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Course Description
Microsoft Excel 2000:
Advanced covers the
more advanced features of Excel 2000 and various advanced techniques for
analyzing and manipulating data in Excel. The topics include customizing the
work area, advanced formula construction, pivot tables, multiple worksheets, and
macros.
This course has a preassessment that will help you identify those portions of
the course on which you should focus your time. You may retake the preassessment
when you finish the course. The score on most recent taking of the preassessment
will be recorded in your transcript. There is narration supplied with the course
if your computer has sound capabilities. However, the narration is not necessary
to successfully complete the course.
Learning Objectives
After completing this course, students will be able to:
·
Work with
built-in and custom toolbars
·
Create and use
styles and templates
·
Construct and use
more advanced formulas like IF and VLOOKUP
·
Link cells in
different worksheets
·
Protect workbooks
·
Create and use
macros
·
View and edit VBA
code
·
Save an Excel
worksheet as a web document
Microsoft Outlook 2000:
Introduction
Length:
4
hours
Price: $95
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Course Description
Microsoft Outlook 2000: Introduction
covers the fundamentals of using Outlook 2000 to coordinate mail, appointments,
events, meetings, tasks, and contacts.
This course has a preassessment that will help you identify those portions of
the course on which you should focus your time. You may retake the preassessment
when you finish the course. The score on most recent taking of the preassessment
will be recorded in your transcript. There is narration supplied with the course
if your computer has sound capabilities. However, the narration is not necessary
to successfully complete the course.
Learning Objectives
After completing this course, students will be able to:
·
Send and receive e-mail
·
Schedule appointments
·
Insert events
·
Schedule meetings
·
Create and manage tasks
·
Organize contacts
Microsoft Outlook 2000:
Advanced
Length:
4
hours
Price: $95
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Course Description
Microsoft Outlook
2000: Advanced covers the more advanced features of Outlook 2000, including integrating
Outlook components, creating custom forms, importing and exporting data, and
creating messages in HTML mail format.
This course has a preassessment that will help you identify those portions of
the course on which you should focus your time. You may retake the preassessment
when you finish the course. The score on most recent taking of the preassessment
will be recorded in your transcript. There is narration supplied with the course
if your computer has sound capabilities. However, the narration is not necessary
to successfully complete the course.
Learning Objectives
After completing this course, students will be able to:
·
Sort, find, and
filter messages
·
Set rules using
the Rule Wizard
·
Share contact
information
·
Create custom
forms
·
Create public
folders and set permissions
·
Import and export
data
Microsoft PowerPoint 2000:
Introduction
Length:
4
hours
Price: $95
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Course Description
Microsoft PowerPoint
2000: Introduction provides an introduction to the Powerpoint tool including
bullet slides, PowerPoint's drawing tools, the use of clip art and WordArt,
organization charts, and creating and editing charts with Microsoft Graph.
This course has a preassessment that will help you identify those portions of
the course on which you should focus your time. You may retake the preassessment
when you finish the course. The score on most recent taking of the preassessment
will be recorded in your transcript. There is narration supplied with the course
if your computer has sound capabilities. However, the narration is not necessary
to successfully complete the course.
Learning Objectives
After completing this course, students will be able to:
·
Create and format
slide text and bullet lists
·
Use the
Powerpoint Drawing tool
·
Insert clipart,
tables, and word art
·
Create an
organization chart
·
Create and use a
template and Slide Master
·
Use slide shows
and other presentation options
·
Save a
presentation as a web page
Microsoft PowerPoint 2000:
Advanced
Length:
4
hours
Price: $95
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Course Description
Microsoft PowerPoint
2000: Advanced covers the more advanced features of PowerPoint 2000, including
customizing templates and the PowerPoint environment, and making a presentation
interactive by using hyperlinks and action buttons. It also demonstrates how to
enhance a presentation by using custom clip art, animation, and movies, and how
to work with embedded and imported objects using Microsoft applications.
This course has a preassessment that will help you identify those portions of
the course on which you should focus your time. You may retake the preassessment
when you finish the course. The score on most recent taking of the preassessment
will be recorded in your transcript. There is narration supplied with the course
if your computer has sound capabilities. However, the narration is not necessary
to successfully complete the course.
Learning Objectives
After completing this course, students will be able to:
·
Insert graphics
and multimedia into a Powerpoint presentation
·
Insert Office
objects
·
Customize
Powerpoint Presentations
·
Automate slide
production
·
Use AutoCorrect
and Style Checker
·
Create hyperlinks
and interactive objects
·
Select the most
appropriate slide show option
Microsoft Word 2000: Level 1
Length:
4
hours
Price: $95
ENROLL NOW
Course Description
Microsoft Word 2000: Level 1 covers the intermediate features of Word
2000 including the creation and control of section breaks, tables, merges,
styles, templates, macros, and web pages.
This course has a preassessment that will help you identify those portions of
the course on which you should focus your time. You may retake the preassessment
when you finish the course. The score on most recent taking of the preassessment
will be recorded in your transcript. There is narration supplied with the course
if your computer has sound capabilities. However, the narration is not necessary
to successfully complete the course.
Learning Objectives
After completing this course, students will be able to:
·
Navigate through a Word document
·
Select, move, and copy text
·
Format characters and paragraphs
·
Use indents, bullets, and numbered lists
·
Set margins and page breaks
·
Create headers and footers
Microsoft Word 2000:
Level 2
Length:
4
hours
Price: $95
ENROLL NOW
Course Description
Microsoft Word 2000: Level 2 covers the intermediate features of Word
2000 including the creation and control of section breaks, tables, merges,
styles, templates, macros, and web pages.
This course has a preassessment that will help you identify those portions of
the course on which you should focus your time. You may retake the preassessment
when you finish the course. The score on most recent taking of the preassessment
will be recorded in your transcript. There is narration supplied with the course
if your computer has sound capabilities. However, the narration is not necessary
to successfully complete the course.
Learning Objectives
After completing this course, students will be able to:
·
Create and format sections
·
Format text into newspaper columns
·
Create a mail merge document and perform a mail merge
·
Create and apply styles
·
Create a template
·
Record and run a macro
·
Create a web page
Microsoft Word 2000:
Advanced
Length:
4
hours
Price: $95
ENROLL NOW
Course Description
Microsoft Word 2000: Advanced covers the more advanced features of Word
2000. It demonstrates how to apply styles, create forms, use form fields, add
graphics, work with large documents, share documents, and prepare documents as
intranet web pages.
This course has a preassessment that will help you identify those portions of
the course on which you should focus your time. You may retake the preassessment
when you finish the course. The score on most recent taking of the preassessment
will be recorded in your transcript. There is narration supplied with the course
if your computer has sound capabilities. However, the narration is not necessary
to successfully complete the course.
Learning Objectives
After completing this course, students will be able to:
·
Create and use a form template
·
Add graphics to a Word document
·
Create a table of contents
·
Create footnotes, endnotes, bookmarks and cross-references
·
Use a concordance file to index
·
Track, compare, and merge documents
·
Insert highlights and comments
·
Create hyperlinks
·
Insert multimedia elements into a Web page
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