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BANCSERVE PRESSMONTANA BANKERS
ASSOCIATION OFFICERS
Chairman: Rex Phipps, CEO Garfield County Bank Jordan, MT
President/CEO:Steve Turkiewicz, CAEHelena, MT
Vice Chairman:Bill Lucas, Market President - BillingsU.S. BankBillings, MT
Secretary/Treasurer:Bob Galt, President/CEOFirst State Bank of MaltaMalta, MT
Immediate Past Chairman:Sam Waters, President/CEO First Community Bank Glasgow, MT
BOARD OF DIRECTORSWestern:
Ryan Clevidence, Vice PresidentFarmers State BankVictor, MT
Jake Pelczar, Vice PresidentBank of Montana Missoula, MT
Southwestern:
Tim Combs, PresidentFirst Madison Valley BankEnnis, MT
Robert DeWit, PresidentManhattan State BankManhattan, MT
Gordon Johnson, PresidentAmerican BankLivingston, MT
Northcentral:
Scott Geda, Senior Vice PresidentFirst Security Bank - LPOHavre, MT
Bruce Hoyer, President/CEOBelt Valley BankBelt, MT
Southcentral:
K.C. Hickok, Chief Credit OfficerBank of BridgerBridger, MT
Visit us on the web at www.montanabankers.com Or call: 800/541-5126
December 2017
Inside this Issue
Another EDP In The Books!! Pg. 1
UBB Welcomes John Beering as Vice President Pg. 3
Best Practices for Enhancing the Debit Chip Card Pg. 4
The Vault: Nov 2017 Robbery Prevention Pg. 7
Plan ahead for 2018 Exec Development Program Pg. 9
Compliance Alliance Question of the Month Pg. 9
2018 MBA Conferences and Workshops Pg. 10
Banks and Personnel Pg. 10
Upcoming Events: ABA and MBA Pg. 11
2017 EDP Graduation Class Pg. 12
Another Executive Development Program in the books!!
We made it through our third year of the Montana Bankers Association Executive Development Program. We had bankers from all across the state – Sidney, Billings, Kalispell to Three Forks, meet in locations throughout the state – Missoula, Billings, Great Falls and Lewistown! The group of 13 were taught by excellent instructors who scored 4.5 or higher on a scale of 5 in terms of knowledge and teaching ability.
In anticipation of this article, we asked the participants a few questions about the program and what they found of value in it:
Where do you feel you were professionally when you started the Executive Development Program?• I felt I was a professional banker that had a lot of room for growth.
• At a mid level understanding of banking as it relates to the various departments and what they
do and how they relate to one another.
Steve Wheeler of First Security Bank of Bozeman, Steve Turkiewicz of MBA and
Wayne Hirsch of U.S. Bank
Susan Pender ofBank of the Rockies, N.A.
Merry Christmas and Happy Holidays from
the Staff at MBA
December 2017 BANCSERVE PRESS Page 2
Or call: 800/541-5126Visit us on the web at www.montanabankers.com
BOARD OF DIRECTORS
Josh Webber, PresidentFarmers State Bank of Denton Denton, MT
Andy Rio, President/CEOLittle Horn State BankBillings, MT
Northeastern:
Rich Kingsley, President/CEOValley BankGlasgow, MT
Bob Galt, President/CEOFirst State Bank of MaltaMalta, MT
Southeastern:
Rex Phipps, CEOGarfield County BankJordan, MT
Scott Klein, Vice PresidentFirst State Bank of ForsythForsyth, MT
Large Banks:
Mike Seppala, President/CEOWestern Security BankBillings, MT
Tod Petersen, Exec. V.P. Wells Fargo, N.A. Bozeman, MT
Bill Bickle Sr. Banking Exec., Stockman Bank of Montana Miles City, MT
Bill Lucas, Market President - BillingsU.S. BankBillings, MT
Bill Gottwals, EVP/CBOFirst Interstate BancSystem, Inc.Billings, MT
BANCSERVE BOARDChairman:Rex Phipps, President/CEO Garfield County Bank Jordan, MT
President/CEO:Steve Turkiewicz, CAEHelena, MT
Director:Steve Wheeler, President/CEOFirst Security BankBozeman, MT
Director:Mike Grove, PresidentBank of the Rockies, N.A.White Sulphur Springs, MT
Director:Darrell Grogan, PresidentFirst State Bank of ForsythForsyth, MT
What did you feel about the Executive Development Program when it began in January?• Uncertainty as to exactly what to expect.
But overall excitement to learn some new information and meet new people.
• Initially intimidated as I had not been exposed to many of the topics in depth and I really wasn't sure what the expectations were going into it as no one from our bank had gone before.
• Excited. I have a goal of hopefully moving into a management position one day, so I was excited to learn different functions of banking and how they all tie together.
What changes have you seen in your personal skill level and banking knowledge as a result of the program?• I believe I was able to pick up on certain traits and characteristics that I am now trying to enhance to become a better leader for my bank, namely communication.
• There was a lot of information that was shared. I feel like I now have a set of new tools as it relates to each topic and
have a greater understanding of banking concepts.
• I have been provided additional tools to aid in passing on information to subordinates. I also learned a great deal more about the regulatory requirements, ethics, and leadership.
What has your participation in the Executive Development Program meant to you as an employee of your institution?• I look at this program as a molder of future leaders. It
means a lot to me that my bank feels strongly enough and sees potential in me to to commit their resources and capital to invest in my growth and future in banking. It has instilled additional confidence in me that what I am doing and my work is valued and makes me want to continue to strive for excellence.
• I feel blessed to know that I was considered for the class as it is an honor to be surrounded by great people in the industry. I will build my career with these relationships
Darryl Hirsch of First Interstate Bank
Justin Varley of Western Security Bank, Andy Rio, CEO of Little Horn State Bank, Dawn Schwindt also of Little Horn State Bank and Jeff Arbizzani of U.S. Bank
Wayne Hirsh, U.S. Bank
BANCSERVE PRESS
ABA DELEGATES
Governement Relations Council: Don Bennett, President/CEO Freedom BankColumbia Falls, MT
Conference of State Associations:Rex Phipps, President/CEO Garfield County Bank Forsyth, MT
Banker Advocacy and Grassroots Committee: Kevin Clark, VP First Interstate Bank Great Falls, MT
ABA Foundation BODMike Grove, PresidentBank of the Rockies.NA White Sulphur Springs, MT
Agricultural & Rural Bankers CommitteeHeather Malcolm, VPBank of the Rockies, NA Livingston MT
Community Bankers CouncilAndy Rio, President/CEOLittle Horn State Bank Hardin, MT
Membership CouncilSam Waters, President/ChairmanFirst Community Bank Glasgow, MT
Taxation Admin. CommitteeMarcy D. Mutch, CFO/EVPFirst Interstate BancSystem, Inc.Billings, MT
STATE BANKERS ASSOCIATION GROUP
BENEFITS TRUST BOARD OF TRUSTEES
(Serving MT & WY)Chair: Jay Hammond, PresidentLusk State Bank Lusk, WY
Bart Langemeier, PresidentFirst Bank of BridgerBridger, MT
Kim Brooks, Controller/HR Off.First Community Bank Glasgow, MT
Cynthia Cheney, VP of HRFirst Security Bank Bozeman, MT
Jim Durfee, President/CEOSundance State BankSundance, WY
Gordon P. Johnson, PresidentAmerican BankBozeman, MT
December 2017 Page 3
Or call: 800/541-5126Visit us on the web at www.montanabankers.com
STATE BANKERS ASSOCIATION GROUP BENEFITS TRUST
and look forward to the next chapter in my career!
• It grew my network, gave me additional tools, introduced me to MBA, and provided me valuable insight into the industry.
So now we embark on our fourth year of the Executive Development Program. We currently have 13 registrants from Belt Valley Bank, Bank of the Rockies, First Security Bank of Missoula, First State Bank of Forsyth, Glacier Bank, Little Horn State Bank, Valley Bank of Helena, Stockman Bank and Western Security Bank. The program’s design purposely maintains a small class size to facilitate productive group interaction and provide individual access to our “best-in-class” instructors. You have identified that "next-generation" leader in your bank that you want to prepare for the future, now is the time to enroll them in MBA’s Executive Development Program.
Technically, registration for the program ends December 31, 2017 but please contact Pam O’Reilly at [email protected] or 406-441-4703. She will work with you as we continually strive to serve you, the member.
United Bankers’ Bank Welcomes John Beerling as Vice President, International Business Development
Bloomington, MN –William C. Rosacker, President and CEO of United Bankers’ Bank (UBB) is pleased to announce the addition of John Beerling as Vice President of International Business Development. Beerling is a veteran in the industry with more than 20 years of experience with international markets and foreign exchange. Prior to joining UBB, he managed sizeable portfolios at two of the largest banks in the nation. In his new role, Beerling will spearhead the development and growth of UBB’s international services, particularly foreign exchange wires. His keen understanding of a wide-range of international products brings considerable value to the products and services line at UBB.
John Peterson, Executive VP and Chief Marketing Officer shared, “John’s input and expertise will strengthen the core of our services so we can continue to provide just what community banks need to thrive in the banking industry. He’ll play a vital role in effectively presenting international banking options to our customers.”
Beerling holds a Bachelor of Arts Degree in Economics & Business Administration and also earned his MBA with an emphasis in Finance from the University of St. Thomas, St. Paul, MN.
About United Bankers’ Bank Headquartered in Bloomington, MN, United Bankers’ Bank is the nation’s first bankers’ bank, and a full service provider of correspondent banking services to community banks in: Minnesota, North Dakota, South Dakota, Montana, Nebraska, Indiana, Iowa, Wyoming, Idaho, Ohio, Oregon, Washington, Michigan and Illinois. For more information please visit www.ubb.com.
BANCSERVE/HEALTHSERVE STAFF
Government Relations: Steve Turkiewicz, CAE President/CEO
Education & Member Services:Pam O’Reilly Association Services Director
HealthServe:
Jill Martin, CISRInsurance Service Rep.
Deannie Higgins, CISRInsurance Service Rep.
Amy MillerAdministrative Assistant
BANCSERVE Insurance Agency:Tempi Ruth, CIC, CAE, CISRSales Director
Bookkeeping:Karmen MillhouseAccounting Technician
MBA/BANCSERVE, Inc.1 N. Last Chance Gulch, Ste.4Helena, MT 59601Telephone:800/541-5126406/443-4121Fax: 406/443-7850
HealthServe1 N. Last Chance Gulch, Ste.4Helena, MT 59601Telephone:877/443-0520406/443-0520Fax: 406/495-2674
BANCSERVE PRESSDecember 2017 Page 4
Or call: 800/541-5126Visit us on the web at www.montanabankers.com
Best Practices for Enhancing the Debit Chip-Card ExperienceComplexity of U.S. Rollout has Created Inconsistencies at the Point of
Sale
By: Bryan Manka, Senior Product Manager,Emerging Technologies, PULSE Network
In October 2015, a fraud liability shift was introduced to the party that has not adopted EMV chip technology. This shift prompted a transition to chip-enabled credit and debit cards and POS terminals. As of January 2017, an estimated 90 percent of U.S. debit cards were chip-based, according to the 2017 Debit Issuer Study, commissioned by PULSE and conducted by Oliver Wyman.
While many major merchants were early adopters of the technology, smaller retailers have been slower to make the transition. The gradual transition to chip-based transactions, combined with the requirements of Regulation II implementing the Durbin Amendment and changes in cardholder verification method (CVM), have created a chip card acceptance landscape in the U.S. that varies widely from card to card, and from merchant to merchant.
In many instances, debit transactions are approved as consumers would normally expect. In other cases, cardholders may be asked to sign in a merchant environment where they would normally use their PIN, eliminating the option to receive cash back. In rare instances, the transaction may fail and the consumer will have to use another payment option. They also may be asked to choose between a global network brand and “U.S. debit” when completing chip-card transactions.
To understand what banks can do to help their customers cope with this disparity of experiences, it’s important to first understand the factors that contribute to it.
Layers of Complexity
There are several layers of complexity involved in the U.S. transition to chip cards:
• Regulation II – Among other things, this regulation requires financial institutions to enable at least two unaffiliated networks on each debit card and enables merchants to determine routing priority among the enabled networks. U.S. chip debit cards must have at least two application identifiers (AIDs) to be compliant, and to facilitate merchant routing choice: a global AID from the payment brand on the card (Discover, Mastercard or Visa) and a U.S. Common Debit AID. The common AID enables routing to any of the supported brands on the card, including unaffiliated debit networks.
• Card Network Combinations – U.S. debit cards have one of three primary card brands and at least one unaffiliated debit network (but often two or three). This means cards can have dozens of possible combinations of enabled networks.
• Enablement Order – Because most banks enabled their credit cards with chips
BANCSERVE PRESSDecember 2017 Page 5
Or call: 800/541-5126Visit us on the web at www.montanabankers.com
before their debit cards, merchants made a similar choice, enabling their terminals first for chip-based credit transactions. This means they enabled the global AIDs before U.S. Common Debit AIDs, and signature authorization before PIN authorization, in many cases. Many chip-accepting merchants still have not enabled the common AIDs. Depending on where each merchant is in the implementation process, the result is a wide variety of cardholder experiences.
• CVM Options – Many debit networks now support PINless POS transactions – and in the case of PULSE, even signature transactions. This blurs the lines between PIN and signature debit and has added another layer of uncertainty to the cardholder experience with chip cards.
• Terminal Configurations – Merchants and their acquirers make a number of choices when configuring payment terminals. These include preferences for AID selection and PIN, signature or PINless verification preference.
• Network Routing Choice – Acquirers make routing decisions based on the transaction information captured by the terminal.
Suggested Best Practices for Issuers
To assist your cardholders in navigating this complex environment, we suggest the following best practices:
1. If you haven’t already done so, enable a common AID on all of your debit cards as soon as possible. If you issue PIN-only cards that are not enabled on one of the primary debit networks, license a shared AID from the Debit Network Alliance for those cards.
2. Encourage merchants that have retail accounts at your bank to support a U.S. Common Debit AID to help maximize their routing choices, reduce costs and improve the cardholder experience.
3. Educate your cardholders about the different verification methods they are likely to encounter in different merchant environments. Let them know that some fast-food restaurants and grocery stores often opt to use PINless debit for lower-value transactions.
4. Inform cardholders that they may encounter terminals that ask the consumer to choose the AID by asking them to select either “U.S. Debit” or a branded network. Suggesting the U.S. Debit option will maximize the routing options and reduce your costs.
5. Help your customers understand that their experience at the terminal may vary between PIN, PINless and signature verification. Similarly, they may be asked to verify mobile payments with their fingerprint or with their fingerprint and PIN. Let them know that this variation may persist for the foreseeable future.
For more information on U.S. Common Debit AIDs, visit debitnetworkalliance.com or uspaymentsforum.org.
BANCSERVE PRESSDecember 2017 Page 6
Or call: 800/541-5126Visit us on the web at www.montanabankers.com
BANCSERVE PRESSDecember 2017 Page 7
Or call: 800/541-5126Visit us on the web at www.montanabankers.com
The Vault: November 2017Robbery Prevention
Robbery PreventionThere has been a significant increase in robberies of community banks in certain geographic locations. Some community banks are resorting to utilizing “controlled access” for customer entry into the bank. This article offers some suggestions on enhancing existing robbery policies and procedures. While you may not always be able to prevent a robbery, you can take steps to help make your bank less of a target and protect employees in the process, particularly when robbers are looking to use more aggressive tactics.
Enhancement suggestions:
The Vault• Consider adding marked bills as “bait money” within the main cash vault. • Use safe deposit boxes to spread excess vault cash into smaller increments. • Place a 15 Minute Delay Time Lock on the cash vault if possible.
The Teller Line• Cash recycler machines (CRM) can help to reduce the amount of cash exposed to a robbery. Many CRMs have a built-in “robbery mode” feature. If the teller activates the feature, the CRM will dispense a predetermined amount of cash and automatically shut down for approximately 20 minutes. The triggering of “robbery mode” can also be configured to activate the bank’s silent alarm system.
The Building• All Clear/Morning Glory Procedures should be implemented at all locations. Everyone should be aware of procedures related to opening and closing the bank. The “All Clear/Morning Glory Procedures should be reviewed and changed regularly so potential robbers have a more difficult time following your routine. • Camera positions should allow clear view of people’s faces entering and exiting the bank. In addition, a camera should also be placed in a position to give a clear view of the parking lot (for a car description and possible license plate number).
The Front Door• Publicize (signs on the main entrance) the usage of Cash Recyclers, 15 Minute Delayed Time Locks and cameras. The more sophisticated robber will case a location first, see the notifications and move elsewhere.
Your Employees• Until someone is faced with a robbery scenario, it’s hard to know how they will react. The best way to keep calm during the situation is to review and rehearse robbery procedures. The more you prepare your employees, the higher the probability of a safe result for them and your customers.
Money can be replaced, but lives cannot.
This article is provided for general informational purposes only and does not constitute legal or risk management advice. Readers should consult their own counsel for such advice. OneBeacon Insurance Group hereby disclaims any and all liability arising out of the information contained herein.
Contact Tempi Ruth for all of BANCSERVE Insurance Agency Products - [email protected].
BANCSERVE PRESSDecember 2017 Page 8
Or call: 800/541-5126Visit us on the web at www.montanabankers.com
BANCSERVE PRESSDecember 2017 Page 9
Or call: 800/541-5126Visit us on the web at www.montanabankers.com
Plan ahead for the 2018 Executive Development ProgramOne of today’s challenges for our member banks is developing the bank’s “next generation” leadership. Today’s bank executive knows that tomorrow’s banking leader must understand the issues facing their institutions and be in a position to grow, contribute and make a difference. To meet this mounting need, MBA offers the Executive Development Program (EDP).
Focusing on the strategic, fiscal management and communication skills required for successful leadership of a bank, the program delivers real-world lessons that participants can put into immediate practice to benefit their organizations. The curriculum includes all the basic knowledge required of an effective banking leader:
• Understanding the Big Picture • Analyzing Bank Financial Statements• Leadership and Management• Bank Profitability• Sales Performance, Expectations and Measurement• Asset Liability Management
• Credit and Risk Review• Legislation and Politics on Bank Performance• Audit and Compliance• Communication and Influencing Others• Negotiations and Conflict Management• Credibility and Ethics
Compliance Alliance Question of the MonthQuestion:I need clarification on community development services for CRA credit. If an executive officer volunteers for a community service, can that be counted for credit under the service test?
Answer:That all depends. If they are acting on behalf of the bank and they are out there representing the bank, then you could use that as a service credit. However, if they are volunteering on their own behalf (i.e. not getting paid by the bank to be out there), then the bank would not receive credit. That is just a service the EO is doing out of the kindness of their heart.
CA does offer a High Volatility Commercial Real Estate (HVCRE) Summary of the most frequently asked questions in effect of having HVCRE in bank portfolios. https://www.compliancealliance.com/find-a-tool/tool/high-volatility-commercial-real-estate-hvcre-summary
Compliance Alliance offers a comprehensive suite of compliance management solutions. To learn how to put them to work for your bank, call (888) 353-3933 or email [email protected].
Contact Pam O’Reilly for registration materials or with questions. 406-441-4703 or [email protected]
BANCSERVE PRESSDecember 2017 Page 10
Or call: 800/541-5126Visit us on the web at www.montanabankers.com
2018 MBA Conferences and Workshops
q 2018 Executive Development Program - 12 month program - 13 Attendeesq Certified Banking Security Technology Professional Class (CBSTP) , Radisson Colonial, Helena - Feb. 14-15, 2018Watch for upcoming Conferences and Workshops coming in 2018 at www.montanabankers.com or for more information contact Pam O’Reilly, Association Services Director, at 800/541-5126 or [email protected].
MBA Education Program Web Seminars The Montana Bankers Association is providing live web seminars targeted to a more advanced audience, in addition to new programs for previous participants. If you are looking to supplement your current education plan in a cost efficient manner, what better way to obtain both high quality education and save money?MBA continues to support Montana bankers in dealing with an ever challenging business environment by providing a multitude of educational opportunities. Whether it be expanded live seminars and conferences, to our webinar provider, Total Training Solutions, we look to provide a wide variety of options and pricing to meet the needs of all bankers (large and small) for education and training.For more details on each webinar please go to our website and view either our Calendar or Education page at www.montanabankers.com to see what we have to offer! Contact Pam O’Reilly, Association Services Director, at 800/541-5126 or [email protected]
Billings• Katie Thompson, CPA has been promoted to compliance officer-secondary market lending at Stockman Bank.
Thompson earned a bachelor’s degree in acounting and bachelor’s degree in finance from UM.• Stockman Bank generously supports “The Nutcracker” ballet at the Alberta Bair Theater.Helena• Austin Gleich has joined First Community Bank as a residential loan officer based in the Helena office. Gleich
comes to First Community Bank with more than five years of banking experience.Miles City• Cedar Speer has joined Stockman Bank as a compliance officer. Her responsibilities include managing the
banks in-house HMDA data collection and submission process and monitoring for quality assurance. She earned her bachelor of science degree in business administration with an emphasis in finance from MSU-Billings.
• Amber Helland has been promoted to cash management support officer for Stockman Bank. Helland brings over seven years of banking experience to the position. She earned her bachelor of science degree in accounting and general business from MSU-Billings.
Missoula• Rich Bruner has joined Farmers State Bank as a vice president/commerical lender. A Montana native,
Bruner brings years of banking and lending experience to his position. Bruner is based out of the Hamilton branch.
Banks and Personnel
BANCSERVE PRESSDecember 2017 Page 11
Or call: 800/541-5126Visit us on the web at www.montanabankers.com
Montana Bankers Association Spotlights an
Endorsed Product
KNOWLEDGE. CLARITY. RELIABILITY.www.compliancealliance.com
(888) 353-3933
Compliance is no longer just for Compliance Officers.We have a solution designed to benefit every department and your bottom line.
OWNED BY STATE BANKERS ASSOCIATIONS
“Our bank would have to add at least one full time employee to our compliance staff if we were not utilizing Compliance Alliance.”
Contact Pam O’Reilly for more information at [email protected] / 406-441-4703.
Upcoming Events
ABA CRCM Exam PrepJanuary 8 - 12, 2018
Barrett Training Center, Nashville, TN
ABA Insurance Risk Management ForumJanuary 21-24, 2018
JW Marriott Austin Hotel, Austin, TX
Wealth Management and Trust ConferenceFebruary 25-27, 2018
Omni Orlando Resort at ChampionsGate, FL
Upcoming Events
Certified Banking Security Technology ProfessionalFebruary 15-16, 2018
Radisson ColonialHelena
Ag Banking ConferenceMarch 22 - 23, 2018
Best Western Gran TreeBozeman
Executive Development ProgramJanuary 9 to December 12, 2018
One Day per MonthVarious Cities throughout Montana
IRA - BillingsMarch 27-28, 2018Hilton Garden Inn
Billings
BANCSERVE PRESSDecember 2017 Page 12
Or call: 800/541-5126Visit us on the web at www.montanabankers.com
2017 Executive Development Program Graduates
Andy Anderson, First Interstate Bank
Spencer Frederick, Stockman Bank
Darrell Hirsch, First Interstate Bank
Jill Jacobson & Bob Nystuen, Glacier Bank
Adam Miller, First Community Bank
Phil Nelson, Stockman Bank
Susan Pender & Judy Brennan,Bank of the Rockies, N.A.
BANCSERVE PRESSDecember 2017 Page 13
Or call: 800/541-5126Visit us on the web at www.montanabankers.com
Kati Persinger & Bob Nystuen, Glacier Bank
Kalli Ryti & Steve Wheeler,First Security Bank of Bozeman
Amy Schroeck & Gaily Whitney,Valley Bank of Helena
Dawn Schwindt & Andy Rio, Little Horn State Bank
Justin Varley & Jim Ness, Big Sky Western Bank
Wade Whiteman, Stockman Bank
Graduate not pictured:Rich Norstrom, Valley Bank of Helena
2018 MBA Educational Offerings
Contact the Montana Bankers Association for questions or
suggestions on Educational Programs: 800/541-5126 or [email protected]
All Seminars are Subject to Change
Live Sessions and Conferences
2018 Executive Development Program
SBS Certified Banking Security Technology Professional, Helena Feb 15-16
Ag Banker Conference, Best Western GranTree, Bozeman ~ March 22-23
IRA Basics & Update, Hilton Garden Inn, Billings ~ March 27-28
New Accounts, Hilton Garden Inn, Billings ~ May 1-2
New Accounts, Hilton Garden Inn, Missoula~ May 3-4
BSA/AML, Best Western GranTree, Bozeman ~ May 15 - 16
Deposit Compliance, Best Western GranTree, Bozeman ~ May 16-17
For online registration and/or more detail - go to
http://www.montanabankers.com/events/event_list.asp
You can filter the events by clicking on the drop down arrow at All Categories to find
Conferences or Live Seminars.
2018 Certified Banking Security Technology Professional
February 15-16, 2018 Radisson Colonial Hotel 2301 Colonial Drive, Helena, MT 59601
406/443-2100
Registration Fee - EARLY BIRD $50 OFF
□ MBA Member .......................... $1395 $1345 □ MBA Member Additional Reg .. $1345 $1295
□ Non-Member ........................... $2790 $2740 □ Non-Member Additional Reg ... $2745 $2695
Payment □ Check, Payable to MBA □ Bill me MasterCard/Visa/Discover ~ Available only with your online registration
Three Ways to Register: FAX: Complete form and fax to 406.443.7850 MAIL: Complete form and mail to Montana Bankers Association, 1 N Last Chance Gulch, Ste. 4, Helena, MT 59601
ONLINE: Visit www.montanabankers.com (Education) Hotel Reservations Call 406/443-2100 to make your hotel reservations at the Radisson Colonial Hotel, Helena Mention the MBA Seminar and get our special discounted rated based on group availability.
Cancellation Deadlines October 1 is the deadline for full registration refund. If cancellation is after October 1, a $50 fee will be charged.
THE MBA GUARANTEE MBA guarantees the MBA FDIC Director’s College will meet or exceed your expectations. If it doesn’t, simply let us know and we’ll refund your full registration fee – no questions asked!
Registration Form
Yes, I want to attend Certified Banking Security Technology Professional November 8, 2017 ● Radisson Colonial Hotel, Helena ~ 406-443-2100
Bank/Firm Name______________________________Phone _______________Fax______________
Address______________________________________City/State/Zip__________________________
List Registrant(s) _________________________________________________________________ Name, Title E-mail
_________________________________________________________________ Name, Title E-mail _________________________________________________________________ Name, Title E-mail
Any questions please contact Pam O’Reilly, Association Services Director 800/541-5126 • [email protected]
Instructor:
Chad Knutson is a co-founder and Senior Information Security Consultant for SBS CyberSecurity, a
premier cybersecurity consulting and audit firm dedicated to making a positive impact on the banking and
financial services industry, and has served as President of the SBS Institute since 2013. Chad maintains his
CISSP, CISA, and CRISC certifications, and received his Bachelor of Science in Computer Information
Systems and his Master of Science in Information Assurance from Dakota State University.
Chad is dedicated to educating industry professionals about cybersecurity. While consulting with financial
institutions, he saw the need to empower employees to be better prepared to confidently handle
cybersecurity threats, create and manage strong information security programs, and understand ever-
changing regulations at their institution. He was a driving force in the development of the SBS Institute
certification program, which is uniquely designed to serve the banking industry by providing banking
specific, role-based certifications. The SBS Institute has grown to include over ten certifications and State
Association partners in over 30 states.
Best Western Grantree
Room Rate
2 Queen Beds $89.00
1 King or 1 Queen Bed $89.00
Print or type name clearly as you wish it to appear on your name badge. Only one form per meeting attendee.
FIRST NAME: LAST NAME:
BANK/FIRM NAME:
STREET ADDRESS:
CITY: STATE: POSTAL CODE:
COUNTRY: PHONE: FAX: E-MAIL:
REGISTRATIO N F EE MBA Member Registration
*Additional MBA Member
$375.00 □ $325.00 □
Non-Member Registration
*Additional Non-Member Registration $750.00 □ $650.00 □
Student Rate: $250.00 □
*Additional Member—Attending from the Same Bank, in the Same City
H O ST HO TEL: Best Western Plus GranTree Inn
Reservation Number: 800-624-5865 Group Reference Code: MB0318 or MBA Ag Bankers Room Block release date: March 21, 2018
P AY MENT (Do not send cash) Please make check payable to: MBA.
MAIL OR FAX PAYMENTS TO: Montana Bankers Association 1 N. Last Chance Gulch #4 Helena, MT 59601 Fax: 406-443-7850 Email: [email protected]
REGISTER ONLINE: http://www.montanabankers.com/events/register.aspx?id=1041460
Cancellation Policy: Written notice of cancellation received on or before March 9, 2018, will be refunded, minus a $50.00 processing fee. No refunds will be issued for cancellation after March 9, 2018. Check Enclosed : □ Visa □ MasterCard □ Discover □ Card Number: Exp.Date: _/ CVS:
Print Name as it appears on card:
Signature:
For questions please call toll free 800-541-5126 or (406) 441-4703, Monday-Friday, 8:00 am - 4:30 pm, MST
2018 MBA AG BANKERS CONFERENCE MARCH 22-23, 2018 BOZEMAN, MONTANA
MANAGING RISK WHEN OPENING NEW ACCOUNTS UNDERSTANDUNG DOCUMENTATION AND COMPLIANCE REQUIREMENTS
Seminar Description Managing risk is the #1 priority for all financial institutions and it all starts at the new account desk. If a criminal cannot get in, they cannot steal from your organization. Well-trained bankers who recognize and stop attempted dishonest activity are the first line of defense in protecting a financial institution from fraudsters. Unfortunately, too often, new account personnel are trained "on the job" which results in an environment of potentially vulnerability and unnecessary losses for the financial institution. Additionally, with constant new regulations, the need for ongoing training is paramount in order to maintain diligence as well as update processes and procedures. This full day workshop teaches vital account opening procedures and compliance requirements focusing on five essential pieces of information for every new account which includes proper identification and the correct TIN. The session will also address five fundamental questions that should be answered by every potential accountholder: What is the purpose of the account? Who owns the funds? Who will have access to the funds? At death, who has access/ownership? On business accounts, how are the owners identified and verified? The seminar manual is customized to your state law and has become known as the "technical reference handbook" for new account departments across the country. It is strongly recommended you bring a copy of your institution’s signature cards or account agreements and business resolutions to each workshop. What You Will Learn Understanding Signature Card Contracts and the Impact They Can Have on a Customer’s Estate Plan TIN Compliance –Thorough Discussion of SSN vs. EIN and W-9 vs. W-8BEN Proper Business Account Documentation and Resolutions
Sole Proprietorships, General and Limited Partnerships, Corporations, LLC and LLP Entities Non-Profit Associations and Charitable Organizations
Opening Individual Accounts; Adding Authorized Signers or Agents Joint Accounts With Rights of Survivorship and Tenants-In-Common Without Rights of Survivorship Power of Attorneys – Using an In-House Form vs. Accepting an Out-of-House Form Formal Trust Accounts - Difference Between Revocable and Irrevocable Trusts; Opening Living Trusts Informal Trust Accounts - Pros and Cons of POD and Revocable Trustee Accounts Effectively Opening Accounts For Minors - Uniform Transfer To Minors Act Accounts Handling Estate and Court Ordered Accounts: Deceased Accountholders, Guardianships and Conservatorships
Who Should Attend All customer contact personnel, supervisors and officers whose responsibilities include opening or managing new accounts and certificates of deposit. Excellent for supervisors or officers who have recently assumed the responsibility of the new account area but perhaps have never worked in new accounts. Internal Auditors and Compliance Officers will find the information exceptionally beneficial.
New Accounts MANAGING RISK WHEN OPENING NEW ACCOUNTS
UNDERSTANDUNG DOCUMENTATION AND COMPLIANCE REQUIREMENTS
May 1-2, 2018 • Hilton Garden Inn, Billings May 3-4, 2018 • Best Western Grant Creek, Missoula
New Accounts Legal Issues of New Account
Documentation and Compliance
Full Registration Fee □ MBA Member - Both Days .................... $375 □ MBA Member - Day One Only ............... $275 □ MBA Member - Day Two Only ............... $175 □ MBA Non-Member - Both Days ............. $750 □ MBA Non-Member - Day One Only ....... $550 □ MBA Non-Member - Day Two Only ....... $350
Payment □ Check, Payable to MBA. □ Bill me MasterCard/Visa/Discover/AMEX ~ (Available only with your online registration)
Three Ways to Register: FAX: Complete form and fax to 406.443.7850 MAIL: Complete form and mail to Montana Bankers Association, 1 N Last Chance Gulch, Ste. 4, Helena, MT 59601 ONLINE: Visit www.montanabankers.com (Education)
Hotel Reservations Call 406/655-8800 to make your hotel reservations at the Hilton Garden Inn, 2465 Grant Road, Billings by April 4, 2017. Or call 406//532-0700 to make your hotel reservations at the Best Western Grant Creek, 5280 Grant Creek Rd., Missoula, by April 4, 2018. Mention the MBA Seminar and get our special discounted rate, based on group availability. Cancellation Deadlines April 19, 2018, is the deadline for full registration refund. If cancellation is after April 19, 2018, a $50.00 fee will be charged.
THE MBA GUARANTEE MBA guarantees the MBA New Accounts Seminar will meet or exceed your expectations. If it doesn’t, simply let us know and we’ll refund your full registration fee – no questions asked!
Registration Form
Yes, I want to attend New Accounts May 1-2, 2018 • Hilton Garden Inn, Billings
May 3-4, 2018 • Best Western Grant Creek, Missoula
Bank/Firm Name______________________________Phone _______________Fax______________ Address_____________________________________City/State/Zip___________________________ List Registrant(s) ___________________________________________________________________ Name, Title E-mail ___________________________________________________________________ Name, Title E-mail
For questions or additional information, please contact: Montana Bankers Association, at 800/541-5126 or [email protected]
Seminar Instructors
Suzie Jones is an associate trainers for Sunwest Training Corp. and Patrice Konarik who has been providing quality New Account
Documentation training for the bank association for almost 20 years.
Suzette (Suzie) Jones, CFP® is managing director of Training Resources Consulting, L.L.C. located in Houston, Texas. Suzie served as an
Executive Vice President at an $11B financial organization where she was an active member of the AML, BSA, Personal/Corporate Risk and
Non-Bank Product Risk committees. With over 40 years of experience in the financial industry, Suzie has focused her technical expertise on
new accounts risk management, IRAs, qualified retirement accounts and investment management. Suzie brings technical information to life
with her engaging training style and in-depth knowledge. She holds the Certified Financial Planner (CFP®) professional designation.
May 1, 2018
Registration 8:00 a.m. Seminar 8:30 a.m. Adjourn 4:00 p.m.
May 2, 2018
Registration 8:00 a.m. Seminar 8:30 a.m. Adjourn 11:30 a.m.
May 1-2, 2018 Hilton Garden Inn 2465 Grant Road
Billings, MT 406/655-8800
May 3-4, 2018 Best Western Grant Creek
5280 Grant Creek Rd. Missoula, MT 406/543-0700
May 3, 2018
Registration 8:00 a.m. Seminar 8:30 a.m. Adjourn 4:00 p.m.
May 4, 2018
Registration 8:00 a.m. Seminar 8:30 a.m. Adjourn 11:30 a.m.
A Day and A Half
for 2018!! 2018 MBA BSA/AML Compliance
May 15 - 16 • Best Western Plus Gran Tree, Bozeman
This is our flagship BSA/AML training event. The program is the annual review everyone needs to remember their
critical duties. The seminar addresses all key BSA responsibilities from CTR & SAR filing to record retention. It
also reviews the required elements of your AML program from CIP to enhanced due diligence.
Program content incorporates recent changes and major proposed changes. There have been plenty in the last 12
months!
TOPICS
The presentation is a comprehensive overview of BSA/AML compliance issues. The program includes coverage of:
BSA/AML Resources
Bank Regulatory Agency Role
Currency Transaction Reporting
Exemptions from Currency Transaction Reporting
Record Retention
Information Sharing 314(a) & 314(b)
Suspicious Activity Reporting
NBFI’s & MSB’s
Anti-money laundering
Customer Identification Program
Customer Due Diligence
Enhanced Customer Due Diligence
Why Should You Attend?
BSA is one of the few regulations where compliance is so critical it is classified as a “safety and
soundness” issue.
Regulations require every bank to have an ongoing Bank Secrecy Act training program and examiners
routinely ask for evidence of recent training – even from experienced BSA personnel.
SAR filing requirements are one of the most difficult compliance responsibilities your institution has. Who Should Attend?
The program is designed for personnel who have responsibility for maintaining or auditing Bank Secrecy Act
compliance efforts.
One-Time Offering
for 2018!!!
SCHEDULE
Tuesday, May 15
7:30 a.m. Breakfast 8:00 a.m. Seminar with Mark Dever of Professional Bank Services 10:45 a.m. Break
11:00 a.m. Seminar with Mark Dever
12:00 p.m. Lunch – In Atrium 1:00 p.m. Seminar with 2:00 p.m. Break 4:00 p.m. Round Table Discussion 5:00 p.m. Adjourn
SCHEDULE
Wednesday, May 16
7:30 a.m. Breakfast 8:00 a.m. Seminar with Mark Dever 10:45 a.m. Break
11:00 a.m. Seminar with Mark Dever
Instructor
Mark Dever is a Vice President at PBS. Prior to joining the firm in 1996, Mr. Dever was vice president and manager
of cash management operations for a multi-billion dollar regional bank holding company with several affiliates. He has
extensive experience in many areas including the automated clearing house (ACH), domestic wire transfer, affiliate
bank post-acquisition conversions and consolidations, bank operation centralizations, and payment system risk. He
teaches a variety of PBS seminars including the ACH Processing and Compliance, Anti-Money Laundering and Bank
Secrecy Act, and Managing Customer Information seminars. He has lectured at regional and national seminars, and at
graduate schools of banking hosted by various bank associations and national industry groups. He has served on the
faculty of both the OTS’ Compliance I School, and the FDIC’s Advanced Consumer Protection School. He has also
taught undergraduate business and management classes in a community college setting. Mr. Dever is an Accredited
Automated Clearing House Professional (AAP), and a Certified Anti-Money Laundering Specialist (CAMS)
Registration Form Yes, I want to attend the 2018 BSA/AML Compliance Seminar
May 15 - 16, 2018 • Best Western Plus Gran Tree, Bozeman
Bank/Firm Name______________________________Phone _______________Fax______________ Address____________________________________ City/State/Zip___________________________ List Registrant(s) ___________________________________________________________________ Name, Title E-mail ___________________________________________________________________ Name, Title E-mail
Registration Fee □ MBA Member ................. $375 □ Non-Member .................. $750 (Discounts available for sending more than 3 attendees) Payment □ Check, Payable to BANCSERVE, Inc. □ Bill me MasterCard/Visa/Discover /AMEX~ Available only with your online registration
Three Ways to Register: FAX: Complete form and fax to 406.443.7850 MAIL: Complete form and mail to Montana Bankers Association, 1 N Last Chance Gulch, Ste. 4, Helena, MT 59601
ONLINE: Visit www.montanabankers.com (Education) Hotel Reservations Call 406/587-5261 to make your hotel reservations at the Best Western Plus Gran Tree, Bozeman, MT. Mention the Montana Bankers Association and get our special discounted rate based on group availability. Cancellation Deadlines Cancellations before May 2, 2018 will receive a full refund. A $50 processing fee will be charged for any cancellations after May 2, 2018. THE MBA GUARANTEE MBA guarantees the BSA/AML Compliance Seminar will meet or exceed your expectations. If it doesn’t, simply let us know and we’ll refund your full registration fee – no questions asked!
For questions or additional information, please contact: Pam O’Reilly, Association Services Director, at 800/541-5126 or [email protected]
BSA/AML Compliance
May 15 - 16, 2018 Best Western Plus Gran Tree, Bozeman
1325 N. 7th Avenue 406/587-5261
One-Time Offering
for 2018!!!
2018 MBA Deposit Compliance
May 16-17, 2018 • Best Western Plus Gran Tree, Bozeman
SCHEDULE Wednesday, May 16
12:00 p.m. Lunch – In Atrium 1:00 p.m. Seminar with Natalie Straus 2:15 p.m. Break 4:00 p.m. Seminar with Natalie Straus 5:00 p.m. Adjourn
Attendees learn:
coverage and exemption rules;
disclosure requirements;
recent developments; and
common errors and potential liability.
Coverage includes:
NOW and MMDA accounts (Regulation D)
Expedited Funds Availability Act (Regulation CC )
Electronic Funds Transfer Act (Regulation E)
Truth in Savings Act (Regulation DD)
This year’s program places special emphasis on:
The status of proposed changes to Regulation CC.
Regulatory guidance regarding overdraft services.
Instructor
K. Natalie Straus, CRCM, is a Vice President and Senior Consultant at ProBank Austin. Ms. Straus provides
consulting services in compliance with an emphasis on deposit operations and issues. Additionally, she performs
consumer compliance and fair lending reviews as well as HMDA data integrity reviews for clients of varying degrees
of size and complexity. She also presents seminars on various regulatory compliance topics for in-house and
association sponsored programs and schools.
Ms. Straus is a graduate of Washington and Lee University in Lexington, Virginia and the American University,
Washington College of Law in Washington, DC. She is a Certified Regulatory Compliance Manager.
"Getting acquainted" and "keeping up" are the most common training goals for compliance and operations
personnel. Deposit side compliance responsibilities continue to grow with new laws aimed at consumer
protection. Even more frequently than new laws are issued, the implementing regulations or official
commentaries of existing laws are revised.
Financial institution personnel who are new to "compliance" often look for a place to start, an introduction to
the major issues. Also, those who are experienced acknowledge their need for an annual review of compliance
requirements. This program meets both those needs. It reviews key regulations at the introductory level, noting
recent developments and common errors.
Thursday, May 17
7:30 a.m. Breakfast 8:00 a.m. Seminar with Natalie Straus 10:30 a.m. Break 11:00 a.m. Federal Reserve Bank presentation 12:00 p.m. Lunch – In Atrium 1:00 p.m. Seminar with Natalie Straus 2:15 p.m. Break 4:00 p.m. Seminar with Natalie Straus 5:00 p.m. Adjourn
WHY? Operations personnel need a basic understanding of compliance requirements to: maintain “current” status on recent
developments, avoid violations and establish the concept that “compliance”
is a basic job responsibility, not an “add-on” to everyday responsibilities.
Registration Form
Yes, I want to attend the 2018 MBA Deposit Compliance Seminar May 16-17, 2018 • Best Western Plus Gran Tree, Bozeman
Bank/Firm Name______________________________Phone _______________Fax______________ Address______________________________________City/State/Zip__________________________ List Registrant(s) ___________________________________________________________________ Name, Title E-mail ___________________________________________________________________ Name, Title E-mail
Registration Fee
Registration Fee □ MBA Member ................. $375 □ Non-Member .................. $750 (Discounts available for sending more than 3 attendees) Payment □ Check, Payable to BANCSERVE, Inc. □ Bill me MasterCard/Visa/Discover ~ Available only with your online registration
Three Ways to Register: FAX: Complete form and fax to 406.443.7850 MAIL: Complete form and mail to Montana Bankers Association, 1 N Last Chance Gulch, Ste. 4, Helena, MT 59601 ONLINE: Visit www.montanabankers.com (Education)
Hotel Reservations Call 406/587-5261 to make your hotel reservations at the Best Western Plus Gran Tree, 1325 N. 7th Ave., Bozeman, MT. Mention the Montana Bankers Association and get our special discounted rate based on group availability. Cancellation Deadlines Cancellations before May 2, 2018 will receive a full refund. A $50 processing fee will be charged for any cancellations after May 2, 2018. THE MBA GUARANTEE MBA guarantees the MBA Deposit Compliance Seminar will meet or exceed your expectations. If it doesn’t, simply let us know and we’ll refund your full registration fee – no questions asked!
For questions or additional information, please contact: Pam O’Reilly, Association Services Director, at 800/541-5126 or [email protected]
Deposit Compliance
May 16-17, 2018 Best Western Plus Gran Tree
1325 N. 7th Ave. Bozeman, MT 406/587-5261
Reserve Your Spot Early
Limited Availability!