Calendar

February 2019

1. Tuesday, February 26, 2019
   1. 8:30 AM – 4:00 PM at Altoona Area

      How to Ensure Compliance with Deposit Regulations - Johnstown >

      How to Ensure Compliance with Deposit Regulations provides a simple and effective way to ensure key personnel are up-to-date on current federal deposit regulations. The major federal regulations governing deposits are explained in plain, easy-to-understand language. Walk away from the seminar knowing exactly what your institution needs to do to achieve total compliance. More >

1. Wednesday, February 27, 2019
   1. 8:30 AM – 4:00 PM at Altoona Area

      2019 Mastering HMDA - Johnstown >

      A full-day seminar providing a comprehensive review of the Home Mortgage Disclosure Act (HMDA) and the Consumer Financial Protection Bureau’s (CFPB’s) Regulation C. Whether you are new to HMDA or have been reporting for years, you will receive benefits from this seminar’s practical, “real world” approach to HMDA compliance. More >

1. Thursday, February 28, 2019
   1. 8:30 AM – 4:00 PM at Pittsburgh Area

      How to Ensure Compliance With Deposit Regulations - Pittsburgh >

      How to Ensure Compliance with Deposit Regulations provides a simple and effective way to ensure key personnel are up-to-date on current federal deposit regulations. The major federal regulations governing deposits are explained in plain, easy-to-understand language. Walk away from the seminar knowing exactly what your institution needs to do to achieve total compliance. More >

March 2019

1. Thursday, March 7, 2019
   1. 8:15 AM – 4:00 PM at Harrisburg Area

      2019 Call Report Preparation – An Update >

      2019 Call Report Preparation – An Update seminar will help preparers and reviewers understand the preparation process and eliminate errors. More >

1. Thursday, March 21, 2019
   1. 8:15 AM – 4:00 PM at Harrisburg Area

      The Emerging Consumer and How to Bank Them - Retail Banking Seminar >

      This action-packed full-day workshop includes a combination of lecture, interactive discussion and case material to help bankers understand the mindset of the customer and how to align products, services and channel strategies to meet their evolving needs. More >

1. Tuesday, March 26, 2019
   1. Multi-Day Event – 8:15 AM Tuesday – 4:00 PM Wednesday at Harrisburg Area

      Training the Credit Analyst (2-Day Seminar) >

      This two day program is designed to provide lenders and analyst the tools required to understand and use financial information provided by borrowers. The key to producing high quality analysis is being able to understand the actions or inactions of your borrower’s management team. We then must be able to ask the borrowers the “Right” questions. The goal is to measure risk, develop loan structure, and the capacity to repay the loan. The Loan Officer/Analyst must be able to communicate that information to Loan Committee and the customer. Ultimately, good Loan Officers are able to provide value-added information that allows their borrowers to make better business decisions. More >
   2. 8:30 AM – 4:00 PM at Pittsburgh Area

      2019 Mortgage Lending: Start to Finish - Coraopolis >

      This one-day seminar will cover existing disclosure requirements for mortgage loans secured by real estate including the Integrated Mortgage Disclosure requirements, (TRID rules). The seminar will bring together the requirements necessary to ensure compliance for closed-end, consumer purpose real estate secured loans. This seminar specifically focuses on the disclosure process under the various lending related regulations. More >

1. Wednesday, March 27, 2019
   1. 8:30 AM – 4:00 PM at Pittsburgh Area

      2019 TRID Compliance: Facing The Challenges - Coraopolis >

      This seminar has been designed to help as you comply with the new Integrated Mortgage Disclosures, including recent changes and clarifications. More >

1. Thursday, March 28, 2019
   1. 8:30 AM – 4:00 PM at Pittsburgh Area

      2019 Mastering HMDA - Coraopolis >

      A full-day seminar providing a comprehensive review of the Home Mortgage Disclosure Act (HMDA) and the Consumer Financial Protection Bureau’s (CFPB’s) Regulation C. Whether you are new to HMDA or have been reporting for years, you will receive benefits from this seminar’s practical, “real world” approach to HMDA compliance. More >

April 2019

1. Tuesday, April 2, 2019
   1. 8:30 AM – 4:00 PM at Erie

      2019 Mastering HMDA - Erie >

      A full-day seminar providing a comprehensive review of the Home Mortgage Disclosure Act (HMDA) and the Consumer Financial Protection Bureau’s (CFPB’s) Regulation C. Whether you are new to HMDA or have been reporting for years, you will receive benefits from this seminar’s practical, “real world” approach to HMDA compliance. More >

1. Wednesday, April 10, 2019
   1. Multi-Day Event – 8:15 AM Wednesday – 4:00 PM Thursday at Harrisburg Area

      2018-2019 Leadership Institute >

      Throughout six 2-day sessions, participants will go “behind the curtain” with President and Co-founder of Global Bankers Institute, Dr. Linda Eagle, and Senior Vice President, Chief Culture Officer at Investors Bank, Dennis Budinich, to learn how other banks and Fortune 500 companies like Coca-Cola and Southwest Airlines have driven success by examining the correlation between organizational culture, performance, leadership and engagement. More >

1. Tuesday, April 23, 2019
   1. 8:15 AM – 4:00 PM at Harrisburg Area

      Cybersecurity Seminar >

      This interactive seminar will provide education on: evolving cybersecurity threats and what banks should do to prevent, detect and respond to these threats; the components of a comprehensive information security program that passes regulatory scrutiny and minimizes the risk of a security incident; the various Federal Financial Institutions Examination Council (FFIEC) resources that have been published recently, specifically the Cybersecurity Assessment guidance, and discuss ways banks are addressing it; and the 10 common cybersecurity controls missing in most financial institutions. More >
   2. 8:30 AM – 4:00 PM at Scranton Area

      2019 Anti-Money Laundering & Bank Secrecy Act Seminar - Scranton >

      This seminar highlights the increased federal expectations for BSA. “Beneficial Ownership”, and the ever-increasing importance of Customer/Member Due Diligence standards, and the Final Regulations implemented in May 2018 are reviewed in detail. The changes predicated by the latest update to the Suspicious Activity Report (SAR) are identified. The latest guidelines on account management, ongoing monitoring, and due diligence expectations for Money Services Businesses (MSB), “Third-Party Payment Processors” (TPPP), Marijuana Related Enterprises (MRE), and other “High-Risk” Clients are highlighted, while the ever Increasing issue of “de-risking”/client “re-evaluation” is discussed. Institutional risk assessments and the latest guidance on high-risk products and services, cyber events and cyber-related crime, e-mail compromise fraud schemes, human trafficking and human smuggling, Elder and Vulnerable Adult exploitation, and disaster-related fraud are reviewed. More >

1. Wednesday, April 24, 2019
   1. 8:30 AM – 4:00 PM at Allentown Area

      2019 Anti-Money Laundering & Bank Secrecy Act Seminar - Bethlehem >

      This seminar highlights the increased federal expectations for BSA. “Beneficial Ownership”, and the ever-increasing importance of Customer/Member Due Diligence standards, and the Final Regulations implemented in May 2018 are reviewed in detail. The changes predicated by the latest update to the Suspicious Activity Report (SAR) are identified. The latest guidelines on account management, ongoing monitoring, and due diligence expectations for Money Services Businesses (MSB), “Third-Party Payment Processors” (TPPP), Marijuana Related Enterprises (MRE), and other “High-Risk” Clients are highlighted, while the ever Increasing issue of “de-risking”/client “re-evaluation” is discussed. Institutional risk assessments and the latest guidance on high-risk products and services, cyber events and cyber-related crime, e-mail compromise fraud schemes, human trafficking and human smuggling, Elder and Vulnerable Adult exploitation, and disaster-related fraud are reviewed. More >

May 2019

1. Thursday, May 9, 2019
   1. 8:15 AM – 4:00 PM at Harrisburg Area

      Security and Risk Management Seminar >

      Bank individuals responsible for security and risk management will receive valuable information on financial crime investigations, making your case for law enforcement, defusing hostile people and handling violent robbery. More >

1. Tuesday, May 14, 2019
   1. 8:30 AM – 4:00 PM at Harrisburg Area

      2019 Anti-Money Laundering & Bank Secrecy Act Seminar - Harrisburg >

      This seminar highlights the increased federal expectations for BSA. “Beneficial Ownership”, and the ever-increasing importance of Customer/Member Due Diligence standards, and the Final Regulations implemented in May 2018 are reviewed in detail. The changes predicated by the latest update to the Suspicious Activity Report (SAR) are identified. The latest guidelines on account management, ongoing monitoring, and due diligence expectations for Money Services Businesses (MSB), “Third-Party Payment Processors” (TPPP), Marijuana Related Enterprises (MRE), and other “High-Risk” Clients are highlighted, while the ever Increasing issue of “de-risking”/client “re-evaluation” is discussed. Institutional risk assessments and the latest guidance on high-risk products and services, cyber events and cyber-related crime, e-mail compromise fraud schemes, human trafficking and human smuggling, Elder and Vulnerable Adult exploitation, and disaster-related fraud are reviewed. More >

1. Wednesday, May 15, 2019
   1. 8:30 AM – 4:00 PM at Philadelphia Area

      2019 Anti-Money Laundering & Bank Secrecy Act Seminar - Philadelphia >

      This seminar highlights the increased federal expectations for BSA. “Beneficial Ownership”, and the ever-increasing importance of Customer/Member Due Diligence standards, and the Final Regulations implemented in May 2018 are reviewed in detail. The changes predicated by the latest update to the Suspicious Activity Report (SAR) are identified. The latest guidelines on account management, ongoing monitoring, and due diligence expectations for Money Services Businesses (MSB), “Third-Party Payment Processors” (TPPP), Marijuana Related Enterprises (MRE), and other “High-Risk” Clients are highlighted, while the ever Increasing issue of “de-risking”/client “re-evaluation” is discussed. Institutional risk assessments and the latest guidance on high-risk products and services, cyber events and cyber-related crime, e-mail compromise fraud schemes, human trafficking and human smuggling, Elder and Vulnerable Adult exploitation, and disaster-related fraud are reviewed. More >

1. Thursday, May 16, 2019
   1. 8:15 AM – 4:00 PM at Harrisburg Area

      TRID Essentials Seminar >

      The Consumer Financial Protection Bureau (CFPB) published a final rule to implement the new integrated disclosures (TRID) on Nov. 20, 2013, and the final rule was effective on Oct. 3, 2015. The TRID rules and guidance from the CFPB continue to evolve. After much industry confusion and concern regarding elements of the regulation, the CFPB released final TRID Amendments on July 7, 2017, with a mandatory compliance date of Oct. 1, 2018. More >

June 2019

1. Tuesday, June 4, 2019
   1. 8:15 AM – 4:00 PM at Harrisburg Area

      Asset Liability Management Seminar >

      More information to follow. More >

1. Tuesday, June 11, 2019
   1. 8:30 AM – 4:00 PM at Scranton Area

      2019 Mortgage Lending: Start to Finish - Scranton >

      This one-day seminar will cover existing disclosure requirements for mortgage loans secured by real estate including the Integrated Mortgage Disclosure requirements, (TRID rules). The seminar will bring together the requirements necessary to ensure compliance for closed-end, consumer purpose real estate secured loans. This seminar specifically focuses on the disclosure process under the various lending related regulations. More >

1. Wednesday, June 12, 2019
   1. 8:30 AM – 4:00 PM at Scranton Area

      2019 TRID Compliance: Facing The Challenges - Scranton >

      This seminar has been designed to help as you comply with the new Integrated Mortgage Disclosures, including recent changes and clarifications. More >

1. Thursday, June 13, 2019
   1. 8:30 AM – 4:00 PM at Scranton Area

      2019 Mastering HMDA - Scranton >

      A full-day seminar providing a comprehensive review of the Home Mortgage Disclosure Act (HMDA) and the Consumer Financial Protection Bureau’s (CFPB’s) Regulation C. Whether you are new to HMDA or have been reporting for years, you will receive benefits from this seminar’s practical, “real world” approach to HMDA compliance. More >

1. Monday, June 24, 2019
   1. 8:30 AM – 4:00 PM at Pittsburgh Area

      2019 Fundamentals of Open-End Credit - Pittsburgh >

      This comprehensive seminar will review in depth the open-end requirements and issues under various laws (e.g., What is the “outstanding principal balance” for flood insurance determinations?), but focusing on the Truth-in-Lending Act/Regulation Z. We will discuss the compliance rules applicable for all lines of credit, including unsecured lines of credits and credit cards, but will spend much of the day reviewing HELOCs. The manual will provide detailed analysis of the rules and serves as a valuable reference tool. More >

1. Tuesday, June 25, 2019
   1. Multi-Day Event – 8:30 AM Tuesday – 4:00 PM Thursday at Pittsburgh Area

      2019 Real Estate Lending Compliance - Pittsburgh >

      This program is a must for those entering the “regulatory compliance world” or those responsible for “pre” closing file preparation or “post” closing file review. Attendees receive one of the most highly regarded manuals in the industry (over 500 pages of content). The manual will likely be referred to on countless occasions. More >

August 2019

1. Monday, August 5, 2019
   1. Multi-Day Event – 8:30 AM Monday – 4:30 PM Tuesday at Harrisburg Area

      Real Estate Lending Compliance Seminar - 2 day seminar >

      The program provides an overview of the real estate lending requirements from 10 regulations, along with comprehensive coverage of selected topics, policy suggestions, employee training tips, audit techniques and steps to eliminate past problems. More >

September 2019

1. Wednesday, September 25, 2019
   1. 8:15 AM – 4:00 PM at Harrisburg Area

      Bank Secrecy Act Seminar >

      More information to follow. More >

November 2019

1. Monday, November 4, 2019
   1. Multi-Day Event – 8:15 AM Monday – 4:00 PM Tuesday at Harrisburg Area

      Essentials of Commercial Lending Seminar >

      The Essentials of Commercial Lending two-day seminar is designed to provide information for any bank employee interested in learning the basics of commercial lending. More >

1. Thursday, November 14, 2019
   1. 8:15 AM – 2:00 PM at Hershey

      FDIC Directors College >

      The Directors College is an interactive, one-day program designed for bank directors that provides ongoing education on current topics and various elements of bank supervision. More >

December 2019

1. Tuesday, December 10, 2019
   1. 8:15 AM – 3:45 PM at Harrisburg Area

      Analyzing Personal Financial Statements & Tax Returns >

      One of the more challenging aspects of lending is analyzing personal financial statements and tax returns. Assessing the borrower’s ability to convert assets to cash to pay short-term debt or honor a guaranty often requires significant adjustments to the borrower’s reported net worth. Adjusted gross income on Form 1040 bears no relationship at all to cash available to pay personal living expenses and debt service. To determine cash available, the lender must construct a personal cash flow using information contained in the personal financial statement and schedules of the tax return. Lenders recognize that the business and personal financial affairs of small business borrowers are closely intertwined necessitating the integration of business and personal cash flow to determine global cash flow. More >