August 18 - 20, 2009
ABA Training Room
Montgomery, Alabama

Registration begins at 8:30 a.m. each day.

• Registration Form

Course Overview

August 18, 2009: Alabama Deposit Account Overview

Look at your current procedures to open and document accounts to make sure your procedures are protecting your bank, including documentary, non-documentary and risk based verification.

• Partnerships & Corporations
• Limited liability companies
• Non profit organizations
• IOLTA
• Agency, escrow & public funds
• CIP Regulations
• Sole proprietor accounts
• How to identify the person opening the account
• Types of ownership: Individual, Joint, PODs, Agents, Powers of Attorney
• Special Accounts: living trusts, estates, UTMA, social security representative payees

August 19, 2009: Deposit Compliance Issues

The basic and some of the more advanced elements of deposit regulations, as well as the examination aspect.

• Bank Secrecy Act - Currency Transactions, Money Service Businesses
• Availability of Funds (Reg CC) - Completing a hold notice and common errors
• Truth in Savings Act (Reg DD) - Overview and common errors
• Electronic Funs Transfer Act (Reg E) - Receipts at electronic terminals, periodic statement requirements and common errors
• Reserve requirements (Reg D) - NOW account eligibility and transaction limitations
• Identity Theft Red Flags

August 20, 2009: FDIC Update

This session will focus on the different types of FDIC insurance available and will include case studies and practical applications that will help you feel confident when it comes to answering questions about FDIC insurance coverage.

• General overview of insurance
• Individual and joint coverage
• PODs and living trusts
• Estates, UTMAs and guardianships
• Business accounts and nonprofit organizations
• Common misconceptions
• Case Studies
• Proposed changes
• New insurance changes

Who Should Attend?
Customer service representatives, front line staff, compliance officers and support personnel, new account representatives, tellers, sales representatives, personal bankers, cashiers, branch managers, branch administrators, training staff and any other staff who has customer contact.

Instructors
Susan Costonis is a trainer and consultant for gettechnical inc. She specializes in compliance management along with deposit and lending regulatory training. Her 28+ year career in banking and training began with 20 years at First National Bank in Fort Collins, CO. Susan has been a bank compliance consultant or compliance officer in Louisiana since 1998. She is a Certified Regulatory Compliance Manager and completed the ABA Graduate Compliance School. Susan also graduated from the University of AKRon with a B.S. and from the Graduate Banking School of the University of Colorado.

Melanie M. Crowell is Vice President/Director of Training for M&F Bank. She has over twenty years of experience in banking and training. Melanie specializes in compliance and regulations training for the deposit side of banking in Mississippi, Alabama, Tennessee and Florida. She has the ability to explain complex issues in everyday language and makes the time spent in training productive and enjoyable.

Registration
The registration fee for this three-day program is $450 for The Alabama Bankers Association members and $900 for nonmembers. Registration fees include instruction, materials, refreshments and lunch.

Cancellation
Full registration fees will be refunded if a cancellation is received on or before ten business days prior to the program. If date of cancellation is less than ten business days prior to the program, a $100 processing fee will be retained. No refunds will be given the day of the program. Substitutions are welcome. All cancellations and substitutions must be received in writing.