Prepare to engage - BVS

Prepare to engage - BVS

COURSE CATALOG 2017 Prepare to engage Learn about the 8 ways to get engaged 1 VIDEO FOR TODAY’S LEARNER High-quality video story-telling, demonst...

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COURSE CATALOG 2017

Prepare to engage

Learn about the 8 ways to get engaged

1

VIDEO FOR TODAY’S LEARNER High-quality video story-telling, demonstrations and interactivity maximize engagement.

2

COURSEWARE YOU NEED, WHEN YOU NEED IT

3

A LEARNING MANAGEMENT SYSTEM THAT MAKES LIFE EASIER

4

COMPLETE CUSTOMIZATION

The BVS library and regular updates are all included. Respond to your organization’s needs without worrying about additional costs.

Customized reports, curriculums, assignments, schedules and more are easy to create and distribute. Spend less time managing training and more time helping your people grow.

BVS has the industry’s easiest to use authoring tool. Build or tweak courseware, policies and other documentation to reflect the way you do business. Your brand, your look.

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.

1

8 ways cont.

5 6 7 8

COMPLIANCE HELP AT YOUR FINGERTIPS In-house legal and CRCM/CAMS experts ensure up-to-date content, provide customizable policy templates and deliver individual, asneeded federal compliance guidance.

BUILT-IN CAREER PATH PLANNING BVS assessment tools guide the development of learning plans and career paths.

e-MEETINGS AND WEBINARS BRING PEOPLE TOGETHER Conduct virtual training and webinars, deliver presentations and hold meetings with document sharing and interactive multimedia impact.

CONTACT US

Call 800.553.5972

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.

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BVS Courses COMPLIANCE AND RISK MANAGEMENT

6

PHYSICAL AND INFORMATION SECURITY

27

MEMBER SERVICE

33

RETAIL LENDING

37

SMALL BUSINESS LENDING

45

CROSS SELLING AND RELATIONSHIP DEVELOPMENT

50

PRODUCT KNOWLEDGE

58

LEADERSHIP AND MANAGEMENT

62

OPERATIONS

66

MICROLEARNING

68

COMPUTER AND BUSINESS SKILLS (CABS) COURSES

97

ASSOCIATION OF CERTIFIED ANTI-MONEY LAUNDERING SPECIALISTS® INFORMATION

99

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.

3

Study Time Key Estimated study time

5 – 10 minutes

Estimated study time

20 – 30 minutes

Estimated study time

45 – 90 minutes

Estimated study time

Over 90 minutes

Actual times will vary by learner.

Job Function Key DIR = DIRECTOR

RTL = RETAIL LENDER

MGMT = MANAGEMENT

SBL = SMALL BUSINESS LENDER

NEA = NEW ACCOUNTS

TLR = TELLER

OP = OPERATIONS

WM = WEALTH MANAGEMENT

REL = REAL ESTATE LENDER

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.

4

Compliance and Risk Management

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.

5

Compliance and Risk Management ABUSE OF VULNERABLE ADULTS Preventing the Abuse of Vulnerable Adults – 339

Based on reported cases, every year millions of Americans become victims of some form of abuse, including an increasing prevalence of financial abuse. In fact, the Consumer Financial Protection Bureau (CFPB) calls financial exploitation of the elderly "the crime of the 21st century." Of course, the problem of abuse takes many forms and affects many more than just “the elderly.” This course focuses on the financial abuse of the broader population of “vulnerable adults.” Recommended for: All Employees

Protecting Seniors from Financial Abuse – 818

Financial abuse is the theft or embezzlement of money and other property. Seniors are more vulnerable to financial abuse than any other demographic. This course introduces the concept of financial abuse and alerts financial institution employees to the danger signs that a senior is being victimized. Recommended for: All Employees

AMERICANS WITH DISABILITIES ACT (ADA) Americans with Disabilities – 814

This course discusses the Americans with Disabilities Act (ADA), which prohibits discrimination against individuals with disabilities. The course is designed to help financial institution employees understand ADA requirements for working with prospects and account holders who have disabilities as well as ADA rules regarding hiring and employment practices. Recommended for: All Employees

The ADA and Member Service – 514

The Americans with Disabilities Act (ADA) is widely regarded as the most sweeping anti-discrimination legislation since the Civil Rights Act of 1964. It prohibits all forms of discrimination against people with disabilities. This course is intended to familiarize your employees with the member and/or customer service aspects of the ADA and its implementing regulations — not just with the law, but the right way to treat people who have or may have physical and mental impairments. Recommended for: All Employees

The ADA and Facilities Management – 313

Many facilities were built without adequate features to accommodate people with disabilities. The ADA recognizes that this lack of accessibility makes it difficult or impossible for people with disabilities to have the access they need to goods and services provided by businesses. The failure to remove architectural and communication barriers is a particular concern of the ADA and, in fact, it’s considered a form of discrimination against people with disabilities when the readily achievable removal of those barriers is not done. This course will address the specific ADA requirements that apply to removing barriers and making your institution accessible for all consumers. Recommended for: MGMT COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 6

Compliance and Risk Management

AMERICANS WITH DISABILITES ACT (ADA) cont. The ADA and Your Employees – 316

The purpose of this course is to familiarize employment decision makers of financial institutions with their responsibilities and requirements under the Americans with Disabilities Act (ADA) — the do's and don'ts of recruiting, hiring, testing and the accommodation of individuals with disabilities. Recommended for: MGMT

BSA/OFAC/AML/SUSPICIOUS ACTIVITIES BSA Basics for Credit Unions – 831

This course introduces credit union employees to their responsibilities under the Bank Secrecy Act (BSA). It explains the basic rules requiring the filing of Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs) and offers examples of structured transactions and other suspicious activities that employees might encounter. Recommended for: All Employees

BSA: CIP Basics – 851

The Bank Secrecy Act (BSA) imposes requirements for identifying individuals who are opening new accounts. Those requirements are spelled out in federal regulations ordering the establishment of a Customer Identification Program (CIP) by every federally regulated institution. This course will introduce you to the basic identification requirements of the regulations. Recommended for: All Employees

BSA for Commercial Lenders – 874

This course focuses on Bank Secrecy Act (BSA) requirements that apply when making commercial loans. It outlines Customer Identification Program (CIP) requirements, explains the purpose of Customer Due Diligence (CDD) policies and procedures, and covers suspicious activity reporting. Recommended for: SBL

BSA Governance for Directors – 790

This course is designed to assist the members of the board of directors in understanding their responsibilities in governance of the Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) compliance program at their institution. Recommended for: MGMT

BSA: Knowing Your Members – 859

The Customer Identification Program (CIP) rules are tied closely to the Member Due Diligence (MDD) policies all credit unions are expected to follow. In this course, we examine how credit union members are affected by your CIP and MDD policies. We’ll also look at a risk-based approach to verifying people’s identities and monitoring procedures for high-risk accounts. Recommended for: All Employees COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 7

Compliance and Risk Management

BSA/OFAC/AML/SUSPICIOUS ACTIVITIES cont. BSA and Money Services Businesses – 856

This course gives an overview of guidance from the Financial Crimes Enforcement Network (FinCEN) regarding opening and maintaining accounts for money services businesses (MSBs). MSBs often handle large amounts of currency and financial institution employees should be aware of the potential money laundering and terrorism financing risks involved. Recommended for: All Employees

BSA for New Accounts Personnel – 871

This course focuses on Bank Secrecy Act (BSA) requirements that apply when opening new accounts. It outlines Customer Identification Program (CIP) requirements, explains the purpose of Customer Due Diligence (CDD) policies and procedures, and covers suspicious activity reporting. Recommended for: NEA

BSA and OFAC: Fighting Crime and Terror – 120

This course explains the key role credit union employees play in detecting and reporting on money laundering activities and ensuring that OFAC sanctions are carried out against terrorist groups and other targeted entities and individuals. It covers basic anti-money laundering activities for which all credit unions are responsible, and shows employees how they fit into the war on crime and terrorism. Recommended for: All Employees (2 CAMS Credits)

BSA for Operations Staff – 872

This course focuses on key Bank Secrecy Act (BSA) requirements that affect “backroom” operations personnel – those whose duties include account processing and transaction monitoring. It explains requirements for reporting certain transactions and keeping records of others. It also gives examples of typical kinds of transaction monitoring. Recommended for: OP

BSA Requirements Overview – 838

This course provides an overview of how the requirements of the Bank Secrecy Act (BSA) affect depository institutions and how they operate. The overall goal of the legislation is to make it more difficult for terrorists to finance their activities by using U.S. financial institutions. Recommended for: All Employees

BSA for Retail Lenders – 873

This course focuses on Bank Secrecy Act (BSA) requirements that apply when making retail loans. It outlines Customer Identification Program (CIP) requirements, explains the purpose of Customer Due Diligence (CDD) policies and procedures, and covers suspicious activity reporting. Recommended for: RTL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 8

Compliance and Risk Management

BSA/OFAC/AML/SUSPICIOUS ACTIVITIES cont. BSA for Tellers – 870

This course focuses on key Bank Secrecy Act (BSA) requirements all tellers need to know. It explains basic requirements for filing Currency Transaction Reports (CTRs), recording monetary instrument purchases and reporting suspicious activities. Recommended for: TLR

The CIP and Information Sharing – 250

This course explains the impact of the Bank Secrecy Act (BSA) on depository institutions and how they operate. This law addresses many financial services issues and imposes a number of requirements on depository institutions. The overall goal of the legislation is to make it more difficult for terrorists to finance their activities by using U.S. financial institutions. Recommended for: All Employees (1 CAMS Credit)

The CIP Rule and Member Due Diligence – 135

The Bank Secrecy Act imposes requirements for identifying new individual and business members that are opening accounts. The requirements are spelled out in federal regulations ordering the establishment of what is known formally as a “Customer Identification Program” (CIP) by every federally regulated institution. While the terms “customer” and “CIP” are used, the requirements do apply to credit unions and their members. Coupled with “Customer Due Diligence” (CDD) guidelines that all depository institutions also are expected to follow, the CIP rules are important for detecting and deterring terrorist financial activity as well as money laundering and identity theft. This course is designed to introduce credit union employees to CIP requirements and the CDD concept. Recommended for: All Employees

Complying with OFAC – 137

Credit unions play an important role in protecting the United States by supporting the government’s efforts to impose economic sanctions against foreign and domestic enemies of the United States. Those sanctions are administered by the U.S. Treasury’s Office of Foreign Assets Control (OFAC). This course is a basic introduction to OFAC that describes what credit unions must do to comply with its laws and regulations. Recommended for: All Employees

The Credit Union and Bank Secrecy – 131

This course explains credit union employees’ basic responsibilities under the Bank Secrecy Act (BSA), including their obligations to be alert for and report large currency transactions and suspicious activities. It also explains "customer" identification requirements. The course includes examples of money laundering techniques and other situations that could be signs of terrorists’ and other criminals’ financial activities. It emphasizes the importance of properly identifying individuals and businesses opening new accounts and those involved in reportable transactions. Recommended for: All Employees (2 CAMS Credits)

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 9

Compliance and Risk Management

BSA/OFAC/AML/SUSPICIOUS ACTIVITIES cont. Credit Unions and Money Laundering – 138

This course explains the special responsibilities of credit union employees in preventing and detecting money laundering. Anti-money laundering (AML) rules in the Bank Secrecy Act (BSA) require credit unions to keep records of certain transactions, to report transactions involving large amounts of currency and to report suspicious activities. Also, the Customer Identification Program (CIP) requirements mandate that credit unions must properly identify people who are opening accounts and to verify the identification information provided. Recommended for: All Employees (2 CAMS Credits)

OFAC Compliance Basics – 878

This course is designed for everyone in a financial institution who needs a basic understanding of the Office of Foreign Assets Control (OFAC), how to comply with OFAC requirements and its effects on an institution’s operations. Recommended for: All Employees

The SAR: Reporting Suspicious Activities – 139

Since 1996, Suspicious Activity Reports (SARs) have been used to report suspected money laundering and other financial crimes. Since the September 11, 2001, terrorist attacks on the United States, these reports have taken on added significance: a timely SAR might help shut down a terrorist network and save lives. This course explains when and how to fill out a SAR. It also describes a variety of potentially suspicious activities, including activities that might have a terrorist, human smuggling or human trafficking connection. The course also stresses the importance of properly identifying new members when they open accounts. Recommended for: All Employees (1 CAMS Credit)

Suspicious Activity (Bookkeepers and Related Staff) – 854

Lurking somewhere among the vast majority of legitimate account holders may be drug traffickers, terrorists and others intent on laundering money. Financial services professionals must exercise extra vigilance and a strict adherence to the laws and regulations designed to thwart illegitimate financial practices. This course on the Bank Secrecy Act and its Customer Identification Program (CIP) rule focuses on suspicious activities detectable by bookkeepers and wire-transfer technicians. Recommended for: OP

Suspicious Activity (Loan Officers) – 855

Lurking somewhere among the vast majority of legitimate account holders may be drug traffickers, terrorists and others intent on laundering money. Financial services professionals must exercise extra vigilance and a strict adherence to the laws and regulations designed to thwart illegitimate financial practices. This course on the Bank Secrecy Act and its Customer Identification Program (CIP) rule focuses on the suspicious activity you should watch for as a loan officer. Recommended for: REL/RTL/SBL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 10

Compliance and Risk Management

BSA/OFAC/AML/SUSPICIOUS ACTIVITIES cont. Suspicious Activity (Member-Contact Employees) – 839

Lurking somewhere among the vast majority of legitimate members may be drug traffickers, terrorists and others intent on laundering money. Credit union personnel must exercise extra vigilance and a strict adherence to the laws and regulations designed to thwart illegitimate banking practices. This course on the requirements of the Bank Secrecy Act (BSA) and its Customer Identification Program (CIP) rule focuses on suspicious activities detectable by member-contact employees. Recommended for: MGMT/NEA/REL/RTL/SBL/TLR/WM

Trends in Suspicious Activities – 791

This course summarizes the most commonly reported suspect activities — other than structuring and money laundering — encountered by depository institution personnel. As evidenced by Suspicious Activity Report (SAR) data, identity fraud, check fraud, credit/debit card fraud and loan fraud are the biggest offenders. The course offers advice for reporting and preventing these activities and it previews some activities that are not yet large by the numbers but appear to be emerging as significant threats. Recommended for: All Employees

DIVERSITY Fair Service for All – 828

Discrimination – whether intentional or not – is not only illegal, it’s also bad business. This course helps employees understand the causes of discrimination and discover how to provide fair, high-quality service for all. Recommended for: All Employees

Valuing Diversity – 155

This course is designed to make employees aware of significant changes taking place in the American population and the implications of those changes for the financial services industry. The course explores diversity as a business matter that presents opportunities and challenges to employees and financial institutions. Recommended for: All Employees

ELECTRONIC FUNDS TRANSFER ACT (EFTA) – REGULATION E Regulation E – 817

This course will help prepare employees to comply with the provisions of Regulation E concerning electronic fund transfers (EFTs). The course describes common types of EFTs and details the disclosure responsibilities of institutions offering EFT services. The course also explains Reg. E procedures for resolving EFT errors and problems. Account holder liabilities and rights also are detailed. Recommended for: NEA/OP/TLR COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 11

Compliance and Risk Management

ELECTRONIC FUNDS TRANSFER ACT (EFTA) – REGULATION E cont. Regulation E: The Electronic Fund Transfer Act – 508

This course explains a depository institution’s obligations as a provider of electronic fund transfer (EFT) services and it covers the consumer’s rights and liability in connection with EFTs. It also helps employees understand the importance of complying with Regulation E and recognize the relationship between regulatory compliance and quality service. Recommended for: NEA/OP/TLR

EQUAL CREDIT OPPORTUNITY ACT (ECOA) – REGULATION B Reg. B: Evaluating the Application – 825

Regulation B, which implements the Equal Credit Opportunity Act (ECOA), is designed to prevent discrimination against certain groups or individuals when they apply for credit. This course deals with the basic provisions of Reg. B that mandate fairness when evaluating applications for consumer credit. Recommended for: MGMT/NEA/OP/REL/RTL/SBL/TLR

Reg. B: Notifying the Applicant – 826

Regulation B, which implements the Equal Credit Opportunity Act (ECOA), is designed to prevent discrimination against those who apply for credit. This course deals with the basic provisions of Reg. B that mandate fairness when notifying the applicant. Recommended for: NEA/REL/RTL/SBL

Reg. B: Taking the Application – 824

Regulation B, which implements the Equal Credit Opportunity Act (ECOA), is designed to prevent discrimination against those who apply for credit. This course focuses on the provisions of Reg. B that mandate fairness in taking consumers’ applications. Recommended for: NEA/REL/RTL/SBL

Regulation B and the Credit Union – 239

This course applies Regulation B to common situations to help lending personnel treat applicants fairly and without discrimination. The primary focus of this course is on the consumer credit provisions of Reg. B. The course demonstrates what can and cannot be asked during the credit application process, explores factors that may and may not be considered in making a credit decision and explains what notification procedures must be followed when a decision is made to approve or deny a loan. Recommended for: NEA/REL/RTL/SBL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 12

Compliance and Risk Management

ETHICS/CONFLICTS OF INTEREST Credit Unions and the Bribery Act – 849

The U.S. Justice Department puts bribery of financial institution employees high on its list of white-collar crime enforcement priorities. The Justice Department’s Criminal Resource Manual states: “Instances of bribery… even if directed toward relatively small institutions, seriously undermine the confidence and trust that individuals and businesses place in the industry as a whole.” This mini-course introduces the basics of the Bank Bribery Act to credit union employees. Recommended for: All Employees

Ethics and Trust – 501

This course tells financial institution employees why it is important to earn the trust of the people they serve, and how to establish trust with ethical behavior. The course also details the ways employees can detect and prevent internal losses that threaten trust and confidence in their institution. Recommended for: All Employees

EXPEDITED FUNDS AVAILABILITY ACT (EFAA) – REGULATION CC Basics of Check 21– 863

This is a course on the basics of the Check Clearing for the 21st Century (Check 21) Act. The course is a quick class on this significant law and its impact on check processing. Recommended for: NEA/OP/TLR

Check 21: Your Responsibilities – 238

According to BVS Compliance Director Jeff Torp, “The Check 21 Act is the most significant change in check processing in 50 years.” While Check 21 does not force credit unions and other financial institutions to join the electronic check payment movement, it does require some important changes. This course explains the responsibilities Check 21 imposes on credit union employees. Recommended for: All Employees

Educating Consumers on Check 21 – 861

The Check 21 Act (known formally as the Check Processing for the 21st Century Act) made check processing more efficient and less costly. It also raised some questions among consumers who didn’t completely understand what Check 21 was intended to do and how it affected them. Some misconceptions remain about the impact of Check 21 on financial institutions and the check-writing public. This course is designed to help answer consumers’ questions about the law. Recommended for: NEA/OP/TLR

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 13

Compliance and Risk Management

EXPEDITED FUNDS AVAILABILITY ACT (EFAA) – REGULATION CC cont. Reg. CC and Funds Availability – 832

The Expedited Funds Availability Act, implemented by Regulation CC, tells depository institutions exactly when funds should be available in depositors' accounts. You're required by the same law to know what those schedules are. This course provides a basic overview of the funds availability schedules mandated by Reg. CC. Recommended for: NEA/OP/TLR

Reg. CC and Members’ Funds – 124

By taking this course, employees will gain a basic understanding of Federal Reserve Board Regulation CC, which implements the Expedited Funds Availability Act (EFFA). They’ll also learn how to assist members who may be confused or upset by funds availability requirements. Recommended for: NEA/OP/TLR

Reg. CC Next-Day Availability – 175

This course explains that the amount of money your institution must make available for withdrawal on the business day after certain checks are deposited is $200. Previously, this amount was $100. Recommended for: NEA/OP/TLR

FAIR CREDIT REPORTING ACT (FCRA) FCRA and FACT Act Basics – 444

The Fair Credit Reporting Act (FCRA) was established to give consumers a way to discover how and where consumer credit information is acquired and how to correct inaccurate information. Depository institutions are not consumer credit agencies as such, but the law does assign them specific responsibilities. The Fair and Accurate Credit Transactions (FACT) Act amends the Fair Credit Reporting Act (FCRA) primarily to address the issue of identity theft, and it imposed new requirements on financial institutions. This course addresses both laws. Recommended for: NEA/REL/RTL/SBL

FAIR DEBT COLLECTION PRACTICES ACT (FDCPA) Fair Debt Collection Basics – 801

While the Fair Debt Collection Practices Act (FDCPA) applies only to the conduct of third-party debt collectors, financial institutions collecting on their own loans must be aware of, and in many cases, choose to follow the provisions of the federal law – not to mention state laws that often exceed FDCPA coverage. This course provides important details of the federal law that governs the practice of consumer debt collecting. Recommended for: MGMT/REL/RTL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 14

Compliance and Risk Management

FAIR LENDING Battling Discrimination in Banking – 121

Discrimination, whether at the loan desk or the teller window, must never be tolerated. Even when such discrimination is unintended, its effect on the people you serve and on the image and stability of the institution can be devastating. This course is designed to sensitize all employees to the ways they may be intentionally or unintentionally discriminating on the basis of race, gender, marital status, age, cultural background, physical or mental abilities and other characteristics. Recommended for: MGMT/REL/RTL/SBL

Lending and Housing Fairness – 236

Knowing that everyone should be treated fairly when it comes to lending is one thing. Understanding what fairness means and actually avoiding discrimination in lending is another. This course explains the three types of discriminatory lending practices regulatory examiners look for when conducting credit union examinations. It also offers suggestions for avoiding discriminatory lending practices. Recommended for: MGMT/REL/RTL/SBL

Fairness in Lending and Housing – 829

This course discusses the framework for fair lending established by the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act. It also explains the three major types of lending discrimination and makes suggestions for avoiding discriminatory lending practices. Recommended for: DIR/MGMT/REL/RTL/SBL

FEDERAL DEPOSIT INSURANCE Federal Insurance and Your Members – 235

Depository institutions have weathered difficult times, such as the Great Depression, the savings and loan crisis of the 1980s and additional failures in the early 1990s. The decline of the housing market in 2006 and subsequent subprime mortgage crisis led to the failure of some financial institutions. Events like these may cause some members to express concerns about the safety of their shares and the soundness of your credit union. As an NCUA member, your credit union can reassure members that their shares are secure. This course focuses on the provisions of federal share insurance and the role of the National Credit Union Administration (NCUA) in setting standards that govern the operation of member institutions. It also emphasizes the distinct sales advantage NCUAinsured accounts have over uninsured investments. Recommended for: NEA/OP/TLR/WM

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 15

Compliance and Risk Management

FEDERAL DEPOSIT INSURANCE cont. NCUA Insurance Basics for Frontline Staff – 806

Designed for tellers and other frontline staff, this course covers basic facts about NCUA insurance and how insurance coverage limits apply to various categories of accounts. The course also prepares member-contact employees to answer questions and spot members’ basic needs for maximizing share insurance coverage. Recommended for: NEA/OP/TLR/WM

Structuring Accounts for NCUA Insurance – 808

Strengthening members’ trust and confidence in the safety of their funds requires a good working knowledge of NCUA insurance and the ways accounts can be structured to maximize federal insurance coverage. This course is intended for new accounts and member service staff and focuses attention on structuring joint accounts, trust accounts and retirement accounts. Successfully completing this course requires a basic understanding of NCUA insurance coverage for all categories of account ownership. The longer BVS course “Federal Insurance and Your Members” provides that understanding. Recommended for: NEA/OP/TLR/WM

GENERAL COMPLIANCE AND RISK MANAGEMENT Advertising Consumer Credit – 612

This course breaks down the key compliance requirements for advertising closed-end and open-end consumer credit. It provides detailed information on the required Regulation Z Truth in Lending disclosures (and also lists the exemptions) and draws a clear distinction between closed- and open-end consumer credit products through an in-depth analysis of both. It also explores other advertising-related rules, such as the rules for soliciting and advertising credit cards. Recommended for: MGMT/OP

Basic Precautions: Preparing for Pandemics – 880

This course is designed to provide the basic facts about pandemic illnesses and their potential impact on you and the financial services industry. Health experts are alerting us to the fact that in today’s highly mobile society, a worldwide pandemic is very possible and could have serious health and economic consequences. Financial institutions are expected to include a possible pandemic in their overall disaster preparedness plans. Recommended for: All Employees

Best Practices in Flu Protection – 895

Cold and flu season can be a terrible time for any financial institution, any year. This course gives everyone in the organization some basic preventive medicine techniques for curbing the spread of flu in the workplace. The course conveys a number of best practices for flu protection. Recommended for: All Employees

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 16

Compliance and Risk Management GENERAL COMPLIANCE & RISK MANAGEMENT cont. Credit Union Insider Lending – 759

Regulators watch insider lending closely, and the penalties for noncompliance can be substantial. This course quickly and succinctly explains the rules in order to help credit unions avoid these situations. Recommended for: MGMT/RTL

Furnishing Consumer Credit Information – 850

This course provides an overview of the rules and guidelines from federal regulators that are designed to promote the accuracy and integrity of the consumer information that is furnished to consumer reporting agencies. The FACTA/FCRA rules also allow consumers to dispute information directly with the furnishers of that information. Recommended for: All Employees

Health Savings Account Basics – 862

The Internal Revenue Service (IRS) code permits eligible individuals to establish tax-sheltered health savings accounts (HSAs). This course provides basic information about eligibility requirements and explains how these accounts work. Recommended for: NEA/OP/TLR

Mortgage Reform Overview – 778

In the aftermath of the mortgage crisis, the Dodd-Frank Wall Street Reform and Consumer Protection Act created new guidelines for mortgage loans designed to prevent such a financial calamity from ever happening again. These new mortgage rules are meant to protect consumers from certain underwriting practices that led to the recession – and will likely impact the services and procedures of all financial institutions. Recommended for: All Employees

Principles of Consumer Lending: Loan Documentation – 411

This course is designed to help loan personnel understand the importance of proper loan documentation and how to execute proper loan documentation procedures. When the course is completed, employees should be familiar with loan applications, promissory notes, Truth-in-Lending disclosure statements, collateral security agreements, financing statements, assignment of title forms, co-signer forms and guaranty forms. Recommended for: NEA/REL/RTL

Remittance Transfer Rules – 779

The Consumer Financial Protection Bureau (CFPB) has issued new rules to protect consumers who send remittance transfers to consumers or businesses in foreign countries. These amendments implement new laws set forth in the Dodd-Frank Wall Street Reform and Consumer Protection Act. Recommended for: NEA/OP/TLR

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 17

Compliance and Risk Management

GRAMM-LEACH-BLILEY ACT (GLB) GLB and Members’ Financial Privacy – 112

Keeping members’ financial records confidential is a regulatory requirement and an essential aspect of good service. This course explains the financial privacy provisions of the Gramm-Leach-Bliley Act (GLB) and other privacy laws. It also emphasizes that when members are comfortable with your privacy policies, they may actually be more willing to allow you to share their information with other parties. Sharing member information helps you to design products and services for specific markets and to offer those products and services at competitive prices. Recommended for: All Employees

GLB: Member and Consumer Privacy – 847

Keeping members’ financial records confidential is a regulatory requirement and an essential aspect of good service. This course gives an overview of the financial privacy requirements of the Gramm-Leach-Bliley Act (GLB), as implemented by the Privacy of Consumer Financial Information regulation. Recommended for: All Employees

MORTGAGE LENDING HMDA and Your Credit Union – 527

This course is designed to take mortgage lending employees inside the Home Mortgage Disclosure Act’s Loan/Application Register (the HMDA-LAR). The course gives an overview of the reporting procedures so employees understand what information regulators require. Recommended for: MGMT/REL/RTL/SBL

RESPA: Understanding the Basics – 338

Home mortgage lending is an important source of business for financial institutions, but it also can be a source of confusion when it comes to the disclosures that must be made to borrowers. Among those are the disclosures discussed in this course — disclosures required by the Real Estate Settlement Procedures Act, which is implemented by Regulation X. Recommended for: REL/RTL/SBL

INTERNET GAMBLING – REGULATION GG A Guide to Reg. GG – 897

Reg. GG implements the Unlawful Internet Gambling Enforcement Act. The Act prohibits gambling businesses from knowingly accepting payments in connection with unlawful Internet gambling, including payments made through credit cards, electronic funds transfers and checks. U.S. financial firms that participate in designated payment systems must implement policies and procedures reasonably designed to prevent payments to businesses engaged in illegal Internet gambling. Recommended for: NEA/OP COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 18

Compliance and Risk Management

LOANS SECURED BY MARGIN STOCK – REGULATION U Reg. U for Credit Unions – 866

This course describes the basic provisions of Federal Reserve Board Regulation U for credit unions. Reg. U sets out requirements for all lenders that extend or maintain credit secured directly or indirectly by securities defined by the regulation as “margin stock.” This course provides an overview of the regulation for credit union lenders. When complying with Reg. U, be sure to follow the advice of legal counsel. Recommended for: MGMT/REL/RTL/SBL

NATIONAL FLOOD INSURANCE REFORM ACT Flood Insurance and Credit Union Lending – 614

This course outlines the requirements credit union lenders must follow when making, increasing, extending or renewing loans secured by improved real estate that is or will be located in a special flood hazard area. It trains lenders to recognize the situations in which federal flood insurance is required and to comply with the sometimes confusing requirements of the law. The course covers the flood insurance determination procedure and the lender’s obligation to “force place” flood insurance under certain circumstances. Recommended for: DIR/MGMT/REL/RTL/SBL

Flood Insurance Notification Requirements – 886

This course provides details on the notifications required by the National Flood Insurance Reform Act. Recommended for: DIR/MGMT/REL/RTL/SBL

Obtaining Adequate Flood Insurance – 885

This course prepares lenders to recognize the situations in which federal flood insurance is required and to comply with the National Flood Insurance Reform Act. The course also covers how to determine whether a building used as collateral is located in an area that requires flood insurance. Recommended for: DIR/MGMT/REL/RTL/SBL

PRIVACY Keep It Confidential – 835

Depository institution account holders expect their financial records to be maintained in confidence. This course describes everyday routines that can help protect the privacy of financial information. Recommended for: All Employees

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 19

Compliance and Risk Management PRIVACY cont. Member Confidentiality – 116

Depository institution members expect their financial records to be maintained in confidence. This course describes everyday routines that can help protect the privacy of financial information. It also discusses the legal implications of the Right to Financial Privacy Act, the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). General obligations of the financial privacy regulation mandated by the Gramm-Leach-Bliley Act (GLB) also are covered. Recommended for: All Employees

Protecting Member Identities – 133

This course examines ways an institution can protect its members’ privacy and help prevent identity theft. Identity theft is one of the fastest growing white-collar crimes in the United States. The Federal Trade Commission estimates that as many as 9 million Americans fall victim to ID theft each year. Recommended for: All Employees

The Right to Financial Privacy – 836

This course introduces the main provisions of the Right to Financial Privacy Act. It explains how the act balances account holders’ right to financial privacy and the federal government’s need for information when it investigates criminal activity. The course explains what depository institutions must do to protect their account holders’ confidential financial information AND comply with the law. Recommended for: All Employees

RESERVE REQUIREMENTS – REGULATION D Transaction & Savings Rules for Credit Unions – 148

This course provides the background and the basics for complying with regulations that cover transaction and savings accounts. More specifically, this course covers Regulation D, which establishes reserve requirements for transaction accounts. It also covers the basics of the consumer disclosure rules required by the Truth in Savings Act. Recommended for: NEA/OP/TLR

RISK MANAGEMENT Best Practices: Social Media – 887

Social media is changing the way people communicate. In the past, businesses – including financial institutions – could easily control their messages through traditional media. Today, social networking sites offer any number of outlets for employees to discuss – online – both their personal and professional business. This opens the door to a number of potential concerns for financial institutions, where security and trust are of paramount importance. In this course, employees will not only become more familiar with the risks associated with social media activity, they will also become acquainted with certain steps that can be taken to mitigate those risks. Recommended for: All Employees COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 20

Compliance and Risk Management RISK MANAGEMENT cont. Deposit Advances: Avoiding Predatory Lending – 879

Are deposit advances consumer-friendly, short-term, small-dollar products or potentially harmful and predatory payday loans? This course reveals what some federal examiners have to say about these products along with new examination procedures for payday loans from the Consumer Financial Protection Bureau (CFPB). Recommended for: All Employees

The E-Sign Act – 188

This course describes the main requirements of the Electric Signatures in Global National Commerce (E-Sign) Act. Recommended for: All Employees

Financial Instrument Fraud – 844

This course is designed to familiarize employees with standard checks and other financial instruments and how to examine them to identify suspicious endorsements and potential counterfeits. Recommended for: All Employees

The Foreign Account Tax Compliance Act – 766

The Foreign Account Tax Compliance Act (FATCA) is aimed at combatting tax evasion by U.S. citizens, U.S. individual residents and some nonresident individuals holding accounts or investments overseas. While much of the burden of FATCA compliance falls on foreign entities, U.S. financial institutions are subject to FATCA requirements if they are withholding agents. Recommended for: MGMT

Handling Complaints – 768

This course provides strategies and regulatory guidelines for responding to consumer complaints, and also looks at ways complaints can actually work to your financial institution’s advantage. Recommended for: All Employees

Oversight of Third-Party Vendors – 783

This course addresses the requirements for vendor management and oversight as described by the FFIEC. It looks at the specific areas to be reviewed on a regular basis, and it provides a checklist for guidance. Recommended for: All Employees

Selecting Third-Party Vendors – 782

This course addresses requirements for vendor selection as described by the FFIEC. It looks at four steps that must be followed before any vendors are selected. Recommended for: All Employees

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 21

Compliance and Risk Management

SERVICEMEMBERS CIVIL RELIEF ACT (SCRA) The Military Lending Act – 193

This course covers the rules, regulations and updated amendments that protect servicemembers under the Military Lending Act (MLA), which is designed to impose limitations on the cost and terms of certain extensions of credit to servicemembers and their dependents, and to provide additional protections relating to such transactions. Recommended for: MGMT/REL/RTL/SBL

SCRA for Lenders – 858

The Servicemembers Civil Relief Act (SCRA) is an updated version of the Soldiers’ and Sailors’ Civil Relief Act (SSCRA). The SCRA postpones and/or modifies some loans and other civil obligations of military personnel and allows them to give full attention to their military duties. The SCRA includes significant requirements that affect lenders. Recommended for: REL/RTL/SBL

SEXUAL HARASSMENT Dealing with Sexual Harassment – 834

Sexual harassment can be difficult to identify and difficult to prove. It’s also illegal. This course helps employees understand the complexity of this issue. It gives a basic definition of sexual harassment and discusses the challenges of defining improper conduct and judging behavior. It also emphasizes the importance of speaking out against offensive behavior and reviews recent research into the motivations for sexual harassment. Recommended for: All Employees

Preventing Sexual Harassment – 224

The issue of sexual harassment is a delicate and complex matter. It’s a serious social ill that can rob individuals of dignity and self-respect. It also can violate their right to work in a non-hostile environment. It can be difficult to define and difficult to prove. It also is illegal. Experts agree that changing people’s attitudes about how to relate to fellow employees is the key to preventing sexual harassment in the long run. “Preventing Sexual Harassment” addresses this goal. Recommended for: All Employees

The Supervisor and Sexual Harassment – 248

A manager pressures a subordinate for sex, then fires her when she resists. An employee persistently makes sexually degrading remarks to a co-worker. A service technician leers at administrative staff. These are all cases of sexual harassment and supervisors need to know how to deal with them. This course will help supervisors prevent sexual harassment and respond effectively to any incidents of harassment that do occur. A number of examples, scenarios and exercises illustrate the concepts being discussed. The course also includes a sample anti-harassment policy. Recommended for: MGMT

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 22

Compliance and Risk Management TRUTH IN LENDING – REGULATION Z The 2016 Mortgage Servicing Rule – 757

This course is intended for employees already familiar with TILA-RESPA mortgage servicing, but are preparing for the 2016 Mortgage Servicing Rule. Its focus is Reg. X and Reg. Z changes in effect October 19, 2017 and April 19, 2018, respectively. Recommended for: NEA/OP/REL/RTL

Reg. Z and Open-End Credit – 336

This course explains the requirements of Regulation Z for open-end credit products, such as home equity and overdraft protection lines of credit. It does not include detailed information on credit cards. Another BVS course, “Reg. Z Credit Card Rules,” focuses on credit card requirements. Recommended for: NEA/REL/RTL

Reg. Z Basics – 802

Anyone who works in any aspect of providing closed-end and open-end credit to consumers needs to be familiar with Regulation Z, which implements the Truth in Lending Act (TILA). Reg. Z’s primary function is consumer protection. This course provides an overview of what employees need to know and do to comply. Recommended for: NEA/REL/RTL

Reg. Z Credit Card Rules – 521

The Reg. Z rules for credit cards provide sweeping protections for consumers and sweeping regulatory restrictions on creditors and credit card issuers. This course takes a broad and sometimes very detailed look at the Reg. Z Federal Reserve Board’s credit card rules. Recommended for: NEA/REL/RTL

Reg. Z for Closed-End Non-Mortgage Lending – 770

This course examines the general provisions of Regulation Z for non-mortgage closed-end credit products. Recommended for: NEA/OP/REL/RTL

Reg. Z Rules: Closed-End Mortgages – 337

This course explains the various disclosure requirements for closed-end mortgage loans that are subject to Regulation Z. Special emphasis has been given to compliance requirements for the new TILA-RESPA Integrated Disclosures, including the Loan Estimate (LE), Closing Disclosure and other disclosures such as adjustable-rate mortgages and member's right of rescission. The course will help lending professionals with the transition to new TILA-RESPA requirements and avoid the common reported disclosure compliance errors. Recommended for: NEA/REL/RTL

Reg. Z Rules on Education Loans – 800

Regulation Z and the Truth in Lending Act (TILA) implement the Higher Education Opportunity Act (HEOA) to require periodic disclosures by lenders who make private education loans. The requirements apply to loans made expressly for postsecondary educational expenses and not to certain other loans defined by the Fed’s Reg. Z rules. Recommended for: NEA/REL/RTL COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 23

Compliance and Risk Management

TRUTH IN SAVINGS – REGULATION DD Rules for Share and Deposit Advertising – 641

Designed for business and product development staff responsible for developing advertising, this course explains key compliance requirements related to advertising share and deposit accounts to individuals. It focuses on Truth in Savings advertising disclosures and also covers requirements for advertising federally insured account funds and non-deposit investment products. Recommended for: NEA/OP/TLR

Truth in Savings – 816

This course keeps the consumer perspective first and foremost as it explains basic requirements of the Truth in Savings Act. It gives a general overview of the law and then focuses on three areas that most directly affect employees as they work with consumers: responding to inquiries about deposit accounts, making required disclosures when opening new accounts, and answering consumers’ common questions about periodic statements and subsequent disclosures. Recommended for: NEA/OP/TLR

Truth in Savings for Credit Unions – 136

The Truth in Savings Act was designed to help consumers compare share and deposit accounts. The Truth in Savings regulation issued by the National Credit Union Administration Board requires credit unions to give members clear and uniform disclosure of the rates payable on dividend- and interest-bearing accounts and the fees assessed against them. Compliance with the act is essential for all depository institutions. Recommended for: NEA/OP/TLR

UNFAIR, DECEPTIVE OR ABUSIVE ACTS OR PRACTICES (UDAAP) UDAAP: Unfair, Deceptive or Abusive Acts or Practices – 875

As efforts increase to combat unfair or deceptive acts or practices (UDAPs) in the banking industry, frontline staff members become ever more important because they’re strategically positioned to help identify potential UDAP issues. This course will help these employees understand and avoid contributing to any UDAPs. Recommended for: All Employees

Understanding UDAAP – 798

This course provides UDAAP information for those at every level of your financial institution. Among other topics, it covers the meanings of unfair, deceptive and abusive; changes stemming from the creation of the Consumer Financial Protection Bureau (CFPB); and some best practices to help learners avoid UDAAP compliance issues. Recommended for: All Employees

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 24

Compliance and Risk Management

UNFAIR, DECEPTIVE OR ABUSIVE ACTS OR PRACTICES (UDAAP) cont. Unfair or Deceptive Credit Practices for Credit Unions – 899

This course helps prepare employees to understand unfair or deceptive credit practices. The course explains what credit unions should not include in their lending contracts and what they should not do in their lending practices. Recommended for: All Employees

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 25

Physical and Information Security

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.

26

Physical and Information Security

PHYSICAL SECURITY After a Robbery: What Do You Do? – 842

What happens after a robbery, according to experts, is just as important in helping to solve the crime as what happened during the holdup. What should happen immediately after a robber flees the building? What should victims and witnesses do to help police apprehend the robber? This course completes a three-course series on armed holdups. The series includes “Robbery Prevention and Preparation” and “The Holdup.” Recommended for: All Employees

Fraud at the Teller Window – 843

Tellers who process transactions at lobby windows and employees who perform similar functions for transactions initiated through automated teller machines (ATMs) can help detect and prevent fraud aimed at financial institutions and their depositors. This course stresses that the most basic way to prevent fraud is always to follow institutional procedures for every transaction. Recommended for: NEA/TLR

The Holdup – 841

A robbery is simply another transaction. That’s a good way for financial institution employees to view such an unlikely event. Reacting calmly and professionally is critical in a life-threatening situation. This course introduces this important concept and gives employees basic tips for making robber identifications and handling hostage situations. Recommended for: All Employees

The New $100 Bill – 185

This course offers a look at the design and security features of the $100 bill. Recommended for: NEA/OP/TLR

Preventing Abuse in the Workplace – 520

Workplace harassment, abuse and violence is an important occupational safety and health issue in many industries, including financial services. In addition to known threats from robbers and other criminals, credit union employees face potential threats, for example, from an angry member, a disgruntled co-worker or a co-worker’s estranged partner. Workplace abuse is seen by many experts as a “preventable hazard.” The Occupational Safety and Health Act (OSHA) describes an employer’s responsibility to provide a safe working environment and recommends that employers develop and implement effective strategies for dealing with workplace abuse. Recommended for: All Employees

Robberies and Other Security Risks – 146

This course is designed to prepare employees for such threats as robberies, hostage situations, bomb threats and extortion attempts. You’ll hear about these threats to security and safety from people who know firsthand what it’s like to be threatened – and you’ll find out how they responded to the ordeal. Recommended for: All Employees

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 27

Physical and Information Security

PHYSICAL SECURITY cont. Robbery Prevention and Preparation – 840

This course is designed to give all financial institution employees a basic understanding of the facts surrounding robberies and how employees can prepare for robberies and help prevent them. While the course can’t (and does not attempt to) cover all aspects of a holdup, it does serve as a good introduction to the subject. Recommended for: All Employees

The Robbery Transaction: Best Practices for Credit Unions – 140

External threats to financial institutions are unfortunate facts of life. Dealing safely with threats such as armed holdups is accomplished primarily through sound security policies and adherence to safe practices by an alert and educated staff. In this course, some straight talk from a credit union executive and two members of his staff who faced robbers in the past, give your employees the hard facts about robberies. Recommended for: All Employees

Today’s Teller: Dealing with Armed Robbery – 147

The title of the course might suggest that most financial institution robberies involve weapons. In fact, FBI reports tell us weapons are not displayed in the majority of robberies. The use or threat of a weapon, however, does occur in a significant number of robberies. Because it’s best to be prepared for the worst, we’ll focus on armed robberies in this course. The course is designed to help you develop safe and appropriate responses to robberies. You’ll learn the facts about depository institution robberies and practice techniques to help you respond in a holdup. The course also presents procedures to follow in the aftermath of a robbery. Recommended for: All Employees

Today’s Teller: Detecting and Preventing Fraud – 607

Tellers who process transactions at lobby windows and employees who perform similar functions for transactions initiated through automated teller machines (ATMs) can help detect and prevent fraud aimed at credit unions and their members. This course stresses that the most basic way to prevent fraud is always to follow credit union procedures for every transaction. The course also describes a number of common frauds and swindles, including the use of counterfeit currency, to prepare employees to recognize and deal with fraudulent schemes. Recommended for: NEA/OP/TLR

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 28

Physical and Information Security

INFORMATION SECURITY Best Practices in Phone Scam Security – 731

Every time the phone rings at your financial institution, there’s a chance that there’s a scam artist on the other end of the line looking to take advantage of the trusting nature of your fellow employees to gain access to sensitive information. It’s called social engineering and it’s probably the biggest security threat facing your institution. Through the unique perspective of a social engineer, this course will not only help you identify the signs of a possible social engineering attack, it will offer tips and other advice on steps that can be taken to avoid becoming a victim. Recommended for: All Employees

The CAN-SPAM Act – 179

This course describes the main requirements of the Controlling the Assault of Non-Solicited Pornography And Marketing (CAN-SPAM) Act. Recommended for: MGMT/OP/REL/RTL/SBL

COPPA: The Children’s Online Privacy Protection Act – 178

This course addresses requirements of the Children’s Online Privacy Protection Act (COPPA). It describes the issues you must understand in order to avoid any associated compliance violations. Recommended for: All Employees

Guidance for Internet Banking Security – 793

This course provides a brief overview of the FFIEC’s recent supplemental guidance on Internet-banking security. The guidance forms a risk-management framework for credit unions that offer online banking products and services. Recommended for: MGMT/OP

Identity Theft Red Flag Requirements – 810

To comply with the Fair and Accurate Credit Transactions (FACT) Act, your institution has policies and procedures in place for identifying, detecting and responding to red flags that might indicate the risk of potential identity theft. This course summarizes the act’s red flag requirements and outlines basic guidelines for maintaining and updating your institution’s program. Recommended for: MGMT/OP/WM

Information and Cyber Security and the Credit Union – 237

Technology and its applications are changing our industry. Managing and protecting a growing mass of personal and financial data poses an enormous challenge for all of us. The course provides insight into the security risks financial institutions face, the precautions that apply to computer hardware, software and everyday routines; the proper use of email and the Internet; and how to create strong passwords. Recommended for: All Employees

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 29

Physical and Information Security

INFORMATION SECURITY cont. Information and Cyber Security: Basic Precautions – 781

Hackers exploit the weakest links in a system. And a single weak link can short-circuit the best defenses that technology allows. In most cases, the weakest link is people. This course is about some of the things we, as people, can do to raise our awareness of information security. Recommended for: All Employees

Information and Cyber Security: The Risks, Your Role – 780

Information is an extremely valuable commodity. Financial data and personal information are becoming more and more appealing to computer hackers and other thieves. Cyber crime, as it’s called, has become an international, multi-billion-dollar threat. Financial institutions are a preferred target of these criminals. Recommended for: All Employees

Schemes and Scams – 845

This course is designed to prepare depository institution employees to spot and correctly deal with several schemes and scams that could be perpetrated against their institution, themselves and their account holders. Recommended for: All Employees

Social Engineering: Phishing for Identities – 888

This course covers the scamming techniques of phishing and spear phishing, where con artists send realistic-looking emails, or design websites that look like those of legitimate financial institutions. Crooks use these emails and websites in an attempt to get personal information – information that will enable them to steal people’s identities and/or funds. Recommended for: All Employees

Social Engineering: Prevention Basics – 884

Social engineering is the use of deception to gain unauthorized access to information, systems or assets. Designed for all employees and directors, this course gives an overview of social engineering techniques and how to avoid being tricked by a social engineer. Recommended for: All Employees

Social Engineering: Prevention for New Hires – 883

A social engineer uses manipulation to obtain a goal. In the case of a financial institution, the goal is to gain access to system information, account data and deposits. This course introduces new employees to precautions designed to minimize the risk of falling victim to social engineering. Recommended for: All Employees

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 30

Physical and Information Security

INFORMATION SECURITY cont. Spear Phishing Awareness – 190

This course is designed to raise your awareness of spear phishing. Spear phishing is a rapidly growing form of fraud that comes with a familiar face: messages that seem to be from co-workers, business associates or other legitimate entities, customized to trick you into letting down your guard online. Recommended for: All Employees

TCPA: The Telephone Consumer Protection Act – 180

This course addresses requirements of the Telephone Consumer Protection Act (TCPA). It describes three distinct issues you must understand in order to avoid any associated compliance risks. Recommended for: MGMT/OP/REL/RTL/SBL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 31

Member Service

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32

Member Service Basic Teller Responsibilities – 812

This course introduces tellers to their basic day-to-day responsibilities, with a special emphasis on security. The course also explains basic paying and receiving procedures and touches on other routine tasks. Recommended for: TLR

Basics of Negotiable Instruments – 819

This course is designed to explain the similarities and differences between various types of negotiable instruments that are common in the financial services industry. The course also introduces the basics of handling transactions using the various negotiable instruments. Recommended for: NEA/OP/TLR

Cash Deposits – 821

This course will help new tellers focus on methods for accurately receiving and recording cash deposits and recording cash inventory. Methods for processing large deposits and subject-to-count deposits also are covered. Recommended for: TLR

The Credit Union Organization – 340

This course is designed to help you familiarize employees with the various departments and functions of a typical credit union. Recommended for: All Employees

Five Basic Service Skills – 811

This course explores five basic service skills that will help employees strengthen their relationships with account holders and prospects. Recommended for: NEA/OP/TLR

The Paying and Receiving Functions – 312

Paying and receiving are among the most basic functions handled by tellers and other financial institution employees. This course explains how to execute the most common paying and receiving functions. The course describes and demonstrates common cash-handling procedures. It also describes basic check elements that should be examined before paying “on-us” and “non-on-us” checks and procedures for handling savings withdrawals and receiving various types of deposits. Recommended for: NEA/OP/TLR

Today’s Teller: A Service Professional – 101

This comprehensive introductory course describes and demonstrates the role of the teller in a modern depository institution. Teamwork and professional service skills are stressed. The course also examines the daily operational and security responsibilities of the professional teller. Recommended for: TLR

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 33

Member Service Today’s Teller: Cashing Checks – 103

Cashing a check is one of the most routine and most important tasks a teller faces. It’s important for a teller to handle this common service task as courteously and professionally as possible. This course introduces tellers to the required elements of a check and prepares them to meet the institution’s legal and policy requirements when making proper check-cashing decisions. Recommended for: TLR

Today’s Teller: Credit Union Compliance Basics – 127

Whether cashing a check, accepting a large currency deposit or responding to an inquiry about dividend rates or funds availability, a teller’s actions are guided by federal laws and regulations. This course provides an overview of legal requirements, focusing on the basics ― the “ABCs” ― of compliance as those rules relate to tellers. The discussion covers three key areas of compliance law: anti-discrimination, basic products and services, and criminal investigation. The material further emphasizes that regulatory compliance offers an opportunity to provide good service. Recommended for: TLR

Today’s Teller: Fighting Forgery – 104

Employees who know how to spot potential forgeries can save an institution from expensive losses. This course shows how forgers work and helps learners spot the telltale signs of forgery. It also gives examples of how to handle people who present suspicious checks. Recommended for: NEA/OP/TLR

Today’s Teller: Handling Cash – 105

This course familiarizes new tellers with the typical teller station. It describes the layout of the teller station and the standard “tools” used in this position. “Handling Cash” also explains organizational and setup procedures for daily operations, and it introduces tellers to the components and arrangement of a standard cash supply. Recommended for: TLR

Today’s Teller: Handling Deposits – 106

This course will help the new teller focus on methods of accurately receiving and recording cash deposits. Methods for processing large subject-to-count deposits and counting deposits with packaged cash are covered in detail. The course also explains the “how to” of effectively transferring cash and paying out coin and currency. Recommended for: TLR

Today’s Teller: Routine Transactions – 108

In addition to checking and savings transactions, tellers are responsible for a number of other routine transactions. These include handling negotiable instruments (like cashier’s checks, money orders and traveler’s checks), accepting loan payments, processing cash advances and redeeming several kinds of savings bonds. This course describes various types of negotiable instruments and introduces tellers to the procedures for handling negotiable instrument transactions. Recommended for: NEA/OP/TLR

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 34

Member Service Today’s Teller: The Balancing Act – 404

Balancing the cash drawer is an important responsibility for tellers, whether the task involves a highly automated, online, “real-time” teller platform or a more traditional paper-based method of balancing cash, the principles and stages of balancing generally are the same. Recommended for: MGMT/NEA/OP/TLR

Typical Transactions – 820

This course is designed to prepare depository institution employees to understand and issue four of the most commonly used negotiable instruments. Additionally, the course details procedures for handling credit card cash advances and processing tax and installment loan payments. Recommended for: NEA/OP/TLR

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 35

Retail Lending

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.

36

Retail Lending Best Practices in Consumer Lending – 433

Making good consumer loans is mostly a matter of careful listening, obeying regulations and making sound credit decisions based on your institution’s loan policies and procedures. We have combined a number of best practices from the BVS consumer lending series into a single course. Recommended for: RTL

The Closing Disclosure – 192

This course introduces the major differences between the HUD-1 Settlement Statement and final Truth-in-Lending disclosure and the new Closing Disclosure. Recommended for: REL

Consumer Lending: Compliance Overview – 437

Numerous rules and restrictions apply to consumer lending. Because there's so much to keep track of, many types of loans can easily end up with compliance errors. If a pattern of errors exists, your financial institution could get into trouble with examiners, or even with borrowers and consumer protection lawyers, who are increasingly looking for compliance violations made by lenders. Recommended for: RTL

Consumer Lending: Credit Report Basics – 428

This course offers an introduction to credit reports: what they are, where the information comes from and how to interpret the data within. Because of variations in each reporting agency’s presentation of credit information, the course does not focus on the specific details of any one report. Rather, it examines the general organization of credit reports and explains basic concepts for using information from these reports judiciously and responsibly. Recommended for: RTL

Consumer Lending: Indirect Lending Programs – 809

Indirect lending is an arrangement in which a third party, most often an auto dealership, handles financing for the borrower. By prior arrangement, the partnering credit union finances the loan. This course prepares credit union staff to understand the basics of indirect lending to consumers. Recommended for: RTL

Consumer Lending: Making Good Loans – 426

Making good consumer loans takes a lot more than just a general understanding of the skills involved in taking applications and investigating a consumer’s creditworthiness. It takes experience and a solid understanding of the needs of today’s consumers and how lending institutions can help them meet their credit needs. While we can’t accomplish all that in one course, we can give learners the fundamental principles that will guide them to a greater awareness of consumer lending and the skills and techniques that will lay the foundation for making good loans. Recommended for: RTL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 37

Retail Lending Consumer Lending: When Good Loans Go Bad – 429

Designed for consumer lenders and service representatives, this course discusses ways to identify consumer loans that have an increased chance of going bad, what to do before these loans develop problems and how to deal with a borrower who has begun to miss payments. The course points out how research, documentation and teamwork all go together to help lenders handle problem loans. Ultimately, the lender’s goal is to save the loan and the relationship with the borrower. Recommended for: RTL

Consumer Mortgage Relationships – 760

A mortgage loan is one of the most significant financial decisions a consumer will ever make, and it's a foundational product for mortgage lenders in the pursuit of loyal consumer relationships. This course reveals what borrowers want most and how client-centric lenders can turn even reluctant consumers into loyal borrowers. Recommended for: REL

Dealing with Personal Bankruptcy – 323

The possibility of personal bankruptcy is one of the risks a lender should consider when assessing the creditworthiness of any applicant. This course suggests precautions that may help prevent losses when a borrower files for bankruptcy. It also examines common causes of personal bankruptcy and describes various types of personal bankruptcy protection. Lenders also learn the steps they should and should not take after being informed of a bankruptcy filing. Recommended for: REL/RTL

Depository Loan Services – 311

This course will familiarize employees with the various types of loan services available from depository institutions. The course concentrates on the common types of non-real estate consumer financing. It also includes an overview of commercial loan products. Recommended for: NEA/REL/RTL/SBL

The Early Warning Signs of Problem Credits – 350

Being able to recognize early signs of trouble is one key to limiting loan losses. This course focuses on helping lenders spot those warning signs of potential commercial loan problems. It discusses common mistakes made by lenders and company managers, and emphasizes the importance of searching for the management/operational problems that lie behind financial early warning signs. An interactive case study requires the learner to examine a fictional company’s financial position and to identify early warning signs of trouble. Recommended for: MGMT/REL/RTL/SBL

Facing Problem Loans – 320

Problem loans are an inevitable part of the business of making commercial loans. This course discusses the hidden costs of problem loans, explains preventive measures, stresses the importance of monitoring loans through various contacts and pinpoints the early warning signs of problem loans. Recommended for: SBL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 38

Retail Lending HMDA Readiness – 732

This course provides an overview of the key changes to the Home Mortgage Disclosure Act (HMDA) stemming from the 2015 HMDA Rule. Recommended for: MGMT/REL/RTL/SBL

HOPA Basics – 868

The Homeowners Protection Act (HOPA) requires lenders and mortgage service providers to cancel or terminate private mortgage insurance (PMI) under certain conditions. The law also requires initial and annual disclosures regarding PMI to mortgagers. This course is a basic introduction to HOPA (12 USC 4901-4910). Recommended for: DIR/REL/RTL/SBL

Introduction to Bankruptcy – 356

It’s important to have a good understanding of the basics of the Bankruptcy Code and bankruptcy proceedings before handling a lending relationship. This course focuses on the basics of bankruptcy, but also targets some of the bankruptcy issues most important to lenders who are dealing with problem loans. Most of the attention in the course is on Chapter 7, Chapter 11, Chapter 12 and Chapter 13. Recommended for: REL/RTL/SBL

Introduction to SBA – 889

What role does Small Business Administration (SBA) lending play at your credit union? Could SBA loans help meet the credit needs of some of your member business borrowers? Even though the SBA is not a direct lender, it can still play a critical role in assisting small business owners who want to finance or grow their business. This course encourages lenders to give consideration to the concept of SBA lending, describes two key SBA loan programs and gives an overview of how to participate in SBA lending. Recommended for: REL/RTL/SBL

Judgments and Collections – 355

This course gives lenders and other employees a basic understanding of pre-judgment protections and postjudgment collection processes and explains basic terminology. It covers five key subjects: post-judgment collection devices, pre-judgment remedies, collection devices under state law, foreclosure and self-help remedies. Since many of these do not provide complete relief in most cases, lenders should understand their limitations before resorting to such non-workout options. The course does not cover the process of reducing the debt to judgment and is not intended to prepare learners to initiate or control the processes described. Recommended for: REL/RTL/SBL

The Loan Estimate – 191

This course introduces the new Loan Estimate (LE), and it explains the LE’s major differences from the old “Good Faith Estimate” (GFE) and Truth in Lending early disclosures. Recommended for: REL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 39

Retail Lending Making Good Loans – 420

The profitability of a depository institution is often greatly affected by the quality of its commercial loan portfolio. This course reviews the basic steps in the commercial loan process, emphasizing the importance of balancing the needs of the borrower with those of the institution. Recommended for: REL/RTL/SBL

Marketplace and Management Risks – 243

The first step a lender should take before attempting to analyze a company’s financial information is to develop an understanding of the market in which the company operates. That should include an understanding of the industry, how the company operates within that industry and how the company itself is managed. This course, part of the Financial Analysis Skills Training Series, prepares less-experienced lending personnel to identify potential industry risks and to begin analyzing risks related to an individual company’s management team. Recommended for: REL/RTL/SBL

Matching Consumers with the Right Mortgage – 761

Properly serving mortgage applicants requires a strong understanding of the applicant's financial position and other factors that will help determine the most appropriate mortgage for each borrower. Recommended for: REL

Mortgage Fraud Warning Signs – 882

This course is designed to introduce financial institution employees to the problem of residential mortgage fraud, including the reasons why people commit mortgage fraud, common mechanisms and schemes, and 10 warning signs. Recommended for: REL/RTL/SBL

Mortgage Lending Basics –149

This course provides an overview of residential mortgage lending, from application through loan servicing. It introduces lenders to many of the key laws and regulations that affect them and also discusses service issues, such as the importance of helping borrowers understand this major financial transaction. Recommended for: REL/RTL/BSL

Mortgage Loan Servicing: Compliance Training, Part I – 255

This course is the first in BVS’s three-part Mortgage Loan Servicing Series, which is designed to help servicers prepare for – and avoid altogether – the oversights, problems and violations that might be looked for by a regulatory examiner. The content is structured largely around the mortgage servicing examination procedures published by the Consumer Financial Protection Bureau (CFPB), as mandated by the Dodd-Frank Act. Recommended for: REL/RTL/SBL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 40

Retail Lending Mortgage Loan Servicing: Compliance Training, Part II – 256

This course is the second in BVS’s three-part Mortgage Loan Servicing Series, which is focused on residential loan servicing and based largely upon the Consumer Financial Protection Bureau’s (CFPB) mortgage servicing examination procedures. The aim of the series is to help servicers avoid the oversights and problems that might be looked for by regulatory examiners. Recommended for: REL/RTL/SBL

Mortgage Loan Servicing: Defaults and Foreclosures – 257

This course is the third in BVS’s three-part Mortgage Loan Servicing Series. Focused on residential loan servicing, the series is designed to help servicers steer clear of the oversights, problems and violations that might be looked for by a regulatory examiner. The content is structured largely around the mortgage servicing examination procedures published by the Consumer Financial Protection Bureau (CFPB). Recommended for: REL/RTL/SBL

Mortgage Reform: Ability to Repay – 181

This course offers an overview of rules issued by the Consumer Financial Protection Bureau (CFPB) that require mortgage lenders to consider consumers’ ability to repay home loans before extending credit. It explains what information needs to be taken into consideration when making mortgage loans and characteristics of a qualified mortgage. Recommended for: REL

Mortgage Reform: Appraisal Requirements – 184

This course covers final rules on appraisals issued by the Consumer Financial Protection Bureau (CFPB) effective January 2014. Recommended for: REL

Mortgage Reform: HOEPA – 182

The Home Ownership and Equity Protection Act (HOEPA) provides borrowers with certain protections in relation to high-cost mortgages. Those protections were strengthened through the Dodd-Frank Wall Street Reform and Consumer Protection Act. This course will explain these requirements and how they impact financial institutions. Recommended for: REL

Mortgage Reform: Loan Origination and Servicing – 183

This course addresses several of the mortgage reforms implemented through the Dodd-Frank Wall Street Reform and Consumer Protection Act. Specifically, it examines changes related to mortgage servicing rules, mortgage loan originator requirements and escrow requirements. Recommended for: REL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 41

Retail Lending Principles of Consumer Lending: Interview and Application – 402

Since lending is a key function of a depository institution, every employee should be familiar with the basics of consumer lending. This course explores the initial portion of the consumer lending process. It demonstrates the proper method of conducting the loan interview and completing the application. It also discusses regulatory implications. Recommended for: NEA/RTL

Problem Loan Options – 352

This course discusses outplacement, workout and liquidation of collateral as three options for resolving problem loans. Covering the issues involved with each option, the course stresses the importance of considering all the implications before deciding on an option to pursue. A detailed, interactive case study requires learners to apply what they learn in the course. Recommended for: REL/RTL

Qualified Mortgages for Large Creditors – 187

This course provides large creditors with an overview of Qualified Mortgage standards issued by the Consumer Financial Protection Bureau (CFPB). It explains the scope of those provisions and also identifies different types of Qualified Mortgages and their shared characteristics. Recommended for: REL

Qualified Mortgages for Small Creditors – 186

This course provides small creditors with an overview of Qualified Mortgage standards issued by the Consumer Financial Protection Bureau (CFPB). It explains the scope of those provisions and also identifies different types of Qualified Mortgages and their shared characteristics. Recommended for: REL

Real Estate Valuations and Appraisals – 247

Credit unions are required to have adequate appraisal and evaluation programs for commercial and consumer real estate-related loans. This course explains regulations governing when appraisals are required, who must prepare appraisals and what information they must contain. It also covers guidelines provided by regulators concerning prudent appraisal and evaluation policies, procedures, practices and standards. Recommended for: REL/RTL/SBL

Reverse Mortgages and the HUD-1 – 777

The government mandated HUD-1 settlement statement remains a key document for some home loan or refinancing transactions. The HUD-1 itemizes services and fees charged to the borrower and seller in a real estate transaction. This course provides line-by-line instructions of the steps involved in completing the HUD-1 settlement statement. Recommended for: REL/RTL/SBL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 42

Retail Lending SAFE Act Registration – 869

The SAFE Act establishes requirements for the registration and licensing of all individuals who are mortgage loan originators (MLOs). MLOs who work for an insured depository institution or its owned or controlled subsidiary that is regulated by a federal banking agency are required to be registered. All others must be licensed by their states. Recommended for: REL/RTL/SBL

Strategies for Real Estate Workouts – 354

This course is designed to help commercial lenders understand the differences between real estate workouts and other commercial loan workouts. The course discusses alternatives to workouts for problem real estate loans and explains some particular workout strategies for real estate credits. It also identifies problems that are unique to real estate workouts. Recommended for: MGMT/REL/RTL/SBL

Understanding Loan Structuring – 246

Part of the Financial Analysis Skills Training Series, “Understanding Loan Structuring” builds on the concept that cash flow repays loans. This course demonstrates that proper loan structuring optimizes the use of cash flow to provide timely payout of a loan. The course also stresses that by identifying the purpose of a loan, the proper structure can be chosen. Seasonal, term and bridge loans are covered. Recommended for: MGMT/REL/RTL/SBL

Working with Problem Loans – 351

Following a systematic, disciplined approach to working with problem loans helps minimize potential losses. This course explains a widely accepted, nine-part process for analyzing problem credits. It also identifies analytical aids experienced lenders find useful and discusses special considerations that must be taken into account when making decisions about handling problem loans. Recommended for: MGMT/REL/RTL/SBL

The Workout Option – 608

When some extent of loss on a commercial loan appears likely, a workout may be the best option. A workout is a cooperative agreement between the lender and borrower to create a repayment plan. A workout should help the institution strengthen its position. The course stresses the elements necessary for success as well as the questions that must be asked and the analyses that must be made before deciding to move into workout. The course also warns of the potential pitfalls of lender liability. Recommended for: MGMT/REL/RTL/SBL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 43

Small Business Lending

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.

44

Small Business Lending Accrual Accounting Basics, Part I – 631

This first of three courses in our Accrual Accounting Basics Series reviews the basic rules of accrual accounting and the fundamental construction of financial statements. The course focuses on the fact that while accountants prepare accurate financial statements, lenders are more interested in analyzing the information the statements contain, especially as that information relates to the ability of a commercial borrower to pay back a loan. Recommended for: MGMT/REL/RTL/SBL

Accrual Accounting Basics, Part II – 632

This second of three courses in the Accrual Accounting Basics Series is designed to reinforce the accrual accounting concepts and techniques presented in Part I. The course is built around scenarios illustrating the operation of three fictional companies. Since the underlying premise of the course is that one learns accrual accounting by doing it, each scenario presents operational transactions that require the employee to accurately analyze the dual effect on the accounting equation. The employee then creates the journal entries, posts the accumulated entries to the ledger and takes a trial balance. Recommended for: REL/RTL/SBL

Accrual Accounting Basics, Part III – 633

This final course in the Accrual Accounting Basics Series is intended to improve employees’ understanding of the accrual accounting cycle in order to help prepare them to analyze the creditworthiness of companies seeking credit. The course leads employees through the accounting cycle steps not covered in Parts I and II, with a focus on how to accurately make adjusting and closing entries. The employees see how adjusting entries affect the preparation of an adjusted trial balance and the financial statements. The course also explains how closing entries affect the preparation of a post-closing trial balance. Recommended for: REL/RTL/SBL

Appraising Commercial Real Estate – 648

A real estate appraisal is an important tool in the commercial lender’s toolbox – but it is only one tool. In this course, we’ll not only examine appraisals, we’ll also look at real estate underwriting from a regulatory guidance standpoint and study some of the quantitative tools of real estate valuation, including the use of capitalization rates and discounted cash flow analysis. The Commercial Real Estate Series consists of four courses. Three of the courses include a comprehensive case study. Each course is approximately two hours in length (including case studies). Recommended for: SBL

The Basics of Business Bankruptcy – 324

It’s important for commercial lenders to understand the basics of the Bankruptcy Code and bankruptcy proceedings. Recommended for: SBL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 45

Small Business Lending Basics of Financial Statements – 244

This course, part of the Financial Analysis Skills Training Series, is designed to provide employees with a basic understanding of balance sheets and income statements and demonstrate how information in the two statements is related. Employees also are introduced to the concepts of liquidity, leverage, profitability of sales and financial productivity as they are evidenced by the balance sheet and income statement. Recommended for: REL/RTL/SBL

Commercial Loan Documentation: Real Estate – 423

This course in the Commercial Loan Documentation Series focuses on documentation for real estate loans. It covers short-term construction lending as well as permanent loans for owner-occupied and income-producing properties. Since every institution has its own standard documentation checklists and document templates, the course stays on the conceptual level, examining the functions of various documents and how they relate to each other. Recommended for: MGMT/SBL

Commercial Loan Documentation: The Players – 421

This course is designed to give moderately experienced commercial lenders a good understanding of and appreciation for the importance of diligent loan documentation and procedures. Proper and thorough loan documentation helps protect your position as a lender. Identifying inadequate or shoddy documentation before closing is often the key to improved credit-risk protection. This is the first course in the BVS Commercial Loan Documentation Series. Recommended for: MGMT/SBL

Commercial Loan Documentation: The Transactions – 422

This second course in the Commercial Loan Documentation Series extends the study of documentation, started in “The Players,” to give moderately experienced lenders an understanding of and appreciation for the documentation required for various loans and other credit arrangements. The course also deals with some of the broad issues of documentation. For example, what is the true relationship between documentation and credit risk? Recommended for: MGMT/SBL

Commercial Loan Documentation: UCC & Corporate Assets – 424

Certain key documents are required to attach and perfect a security interest in collateral for a commercial loan. This Commercial Loan Documentation Series course explains basic concepts of secured commercial lending and discusses the requirements of UCC Article 9. It also covers special documentation requirements for certain types of collateral, including titled motor vehicles, aircraft, boats and U.S. government contracts, among others. Recommended for: MGMT/SBL

Developing a Successful Workout Program – 353

The elements of a successful workout program and the criteria for evaluating workout programs are covered in this course, which includes information on behavioral issues, negotiation strategies and successful workout program implementation. Recommended for: REL/RTL/SBL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 46

Small Business Lending Estimating Cash Flow: Individual’s Basic Tax Return – 470

This course – a case study – concerns a man who has fallen behind on his mortgage payments. Lending personnel are assigned to do a quick cash flow analysis to determine why he has not been making payments. In the process of completing this assignment, they see how taxes influence cash flow and learn which sections of the tax return are most relevant for cash flow estimation. They’re also reminded of the importance of using information from the personal financial statement to get a more complete picture of an individual’s financial situation. Lending personnel should complete “Estimating Cash Flow: Personal Financial Statements” before taking this course. Recommended for: SBL

Estimating Cash Flow: Partner’s Tax Return – 471

This course – a case study – builds on information in “Estimating Cash Flow: Personal Financial Statements” and “Estimating Cash Flow: Individual’s Basic Tax Return,” which are prerequisites. The case study examines the personal tax return of Jerome Partner and the Schedule K-1 submitted by The Good Group, the limited liability company of which he is a member. (A limited liability company is a type of partnership. Its owners are called members.) While completing worksheets to estimate Partner’s historical cash flow, lending personnel will see how income and expenses flow through from a company to the partners. Recommended for: SBL

Estimating Cash Flow: Personal Financial Statements – 468

This course is designed to improve commercial loan officers’ ability to use information in a loan guarantor’s personal financial statement to estimate the probability of loan repayment. Lending personnel who complete this course will understand how to interpret a personal financial statement, know when it’s necessary to follow up with the guarantor, be able to calculate adjusted net worth and be able to use the financial statement to help determine historical personal cash flow. (In order to get a complete picture of a guarantor’s cash flow, it’s also necessary to examine a personal tax return. That process is discussed in other courses in the “Estimating Cash Flow” series.) Recommended for: SBL

Introduction to Commercial Real Estate Lending – 645

This first course in our series on commercial real estate fundamentals will help you answer such questions as: • How do the loan purpose and repayment sources for an owner-occupied real estate loan differ from a commercial loan secured by real estate? • What is the significance of a credit sponsor’s “stake” in a commercial real estate transaction? • How do you know when a real estate loan proposal should be studied by a more experienced commercial real estate officer? • What are the quantitative techniques used to analyze income-property loans? • How do you construct a basic income-property cash flow statement and sensitivity analysis? Recommended for: MGMT/SBL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 47

Small Business Lending Ratio/Trend Analysis – 547

This course furthers a lender’s understanding of the analytical process with in-depth examination of key measurements. Learners study ratios for computing a company’s liquidity and leverage as well as margin and ratio measurements. The course also explores the shortcomings of each measurement and examines those that cut across both balance sheets and income statements: sales to fixed assets, return on assets, and return on equity. The course also features three case studies. Recommended for: SBL

Risk Rating – Commercial Loans – 797

Credit risk management is essential in the long-term success of any financial institution. While every commercial loan comes with a certain level of risk, the more information a lender has about a loan applicant, the clearer the decision on whether that risk is worth taking. This course is designed to provide guidance to commercial lenders on how to appropriately risk rate a commercial loan or commercial loan relationship. Recommended for: MGMT/SBL

Risks in Commercial Real Estate Lending – 646

It’s important for lenders to understand the kinds of risks inherent in real estate lending and learn to mitigate those risks with appropriate strategies. Such an understanding lays the foundation for determining the commercial advantages and disadvantages of a real estate proposal in the marketplace. Recommended for: SBL

Types of Commercial Real Estate – 649

Commercial real estate properties possess different characteristics depending on their type – whether they are office buildings, apartment projects, retail properties, or special purpose projects such as hotels, restaurants and care facilities. Identifying and understanding their various characteristics is critical in making the proper underwriting decision. The course includes a comprehensive case study that allows you to put into play the skills and understanding gained from the tutorial. Recommended for: SBL

Understanding Cash Flow – 245

This course gives learners a basic understanding of cash flow and the various types of cash flow statements. Part of the Financial Analysis Skills Training Series, it includes a basic analysis of cash flow and how to match cash flow with projected loan repayment. Learners will gain an understanding of the basic relationships between the balance sheet, income statement and cash flow. Recommended for: MGMT/REL/RTL/SBL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 48

Cross-Selling and Relationship Development

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.

49

Cross-Selling and Relationship Development Advanced Business Calling: The Call – 403

This course explores the basic elements of a successful business sales call. This course suggests that objections be viewed as a positive advantage in selling, rather than a disadvantage. Effective closing techniques are also explained and demonstrated. Recommended for: SBL

The Art of Cross Selling – 212

Cross selling is about turning the opportunities presented by personal contact with account holders into additional business. Because development of cross-selling skills requires follow-up training, this course uses new material to reinforce the principles contained in other cross-selling courses. It reinforces effective cross-selling skills and techniques and demonstrates how they can lead to increased retention of account holders. Recommended for: NEA/REL/RTL/SBL/TLR

Attracting Deposits in Tough Times – 804

The course is designed for frontline staff and explains how credit unions like yours can attract more deposits even when the economy goes through tough times. It explains the difference between deposits and investments and discusses the basic features and benefits of credit union deposits. Recommended for: NEA/TLR

Basic Sales – 410

This course is designed to help employees understand and develop the basic sales skills required to be successful at selling. The course describes how employees who have contact with prospects and account holders can be effective salespeople by mastering sales skills like probing for needs, presenting products and services effectively and closing the sale. Recommended for: NEA/REL/RTL/SBL/TLR/WM

The Basics of Business Calling – 202

This course introduces learners to the sales techniques and organizational approach to business calling. It is designed for the new financial services professional and as recurrency training for the experienced professional. The course includes dramatic scenarios that demonstrate the kinds of selling behavior that make a successful commercial call. Recommended for: SBL

Building Financial Relationships – 502

The days are long gone when financial institutions could succeed by simply “taking orders” for accounts. This course focuses on the importance of building strong financial relationships. Through a vigorous program of excellent service, sales and marketing, financial institution employees can retain existing account holders, recruit new ones and sell additional products and services. Recommended for: NEA/REL/RTL/SBL/TLR

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 50

Cross-Selling and Relationship Development Business Relationship Selling – 387

Part of the BVS Relationship Selling Series, this course helps business lenders/salespeople sharpen their sales skills. The course flows from the beginning of a sale and follows it through to the conclusion, with explanations and examples derived from five basic sales topics: • listening and observation skills. • determining needs. • presentation skills. • handling objections. • closing the sale. Recommended for: SBL

Closing the Sale – 221

The close is the culmination of the selling process. This course covers the definition, purpose and goal of the closing stage of selling. It also stresses the importance of positive verbal and non-verbal communication with prospects during the close. Also included are examples of closes and suggestions about when each type might be appropriate. Recommended for: NEA/REL/RTL/SBL/TLR/WM

Clue Selling – 406

Clue Selling concentrates on the role of listening in selling. It shows the learner how to listen for, recognize and take action on sales opportunities that present themselves every day. Stronger interpersonal communication skills are detailed that will better equip your staff to recognize opportunities to serve people. Recommended for: NEA/REL/RTL/SBL/TLR

Coaching Relationship Selling – 388

Sales management consists of two basic components: 1) coaching and 2) everything else. “Everything else” can involve some very time-consuming responsibilities, including the administrative duties of sales management. This sales and management course explores the basics of sales coaching. Other courses in the series focus on the responsibilities of frontline, retail and business selling staffs. Recommended for: MGMT

Connecting with Members – 128

This course is designed to reinforce employees’ basic sales skills. It focuses on three fundamental areas of the sales process: interpreting spoken and unspoken communication, gaining the sales prospect’s trust and employing productive communication techniques. “Continued Sales Skills Development” also puts emphasis on practicing skills though a number of interactive exercises. Recommended for: All Employees

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 51

Cross-Selling and Relationship Development Continued Sales Skills Development – 315

This course is designed to reinforce employees’ basic sales skills. It focuses on three fundamental areas of the sales process: interpreting spoken and unspoken communication, gaining the sales prospect’s trust and employing productive communication techniques. “Continued Sales Skills Development” also puts emphasis on practicing skills though a number of interactive exercises. Recommended for: All Employees

Crucial Conversations with Business Members – 898

How do you deal with broken loan covenants without endangering your relationship with a valued business borrower? How do you hold your ground on a price increase when a business member wants a discount? Whenever you have to say “no” to someone, you’re involved in a crucial conversation. This course demonstrates how to apply the three-step process for handling crucial conversations to your interactions with business members. The course “An Introduction to Crucial Conversations” describes the process in detail and is a prerequisite for this course. Recommended for: SBL

Crucial Conversations with Colleagues – 893

Colleagues in the workplace depend on one another in order to do their jobs well and achieve the institution’s goals. When a colleague isn’t handling a situation appropriately, it may be necessary to step in and have a crucial conversation with that person. A crucial conversation is any conversation requiring you to say “no.” This course applies the three-step process for handling crucial conversations to encounters with colleagues. The basics of the process are explained in “An Introduction to Crucial Conversations,” which is a prerequisite for this course. Recommended for: All Employees

Crucial Conversations with Consumers – 891

A crucial conversation is one that requires you to say “no” to a request, a behavior or a situation. Your goal is to arrive at a positive outcome that protects your underlying interests and also preserves your relationship with the other person. This course demonstrates how to apply the three-step process for handling crucial conversations to your interactions with consumers. The course “An Introduction to Crucial Conversations” describes that process in detail and is a prerequisite for this course. Recommended for: NEA/REL/RTL/SBL/TLR/WM

Determining Needs – 218

The opening moments of a sales call are crucial to its success. That is when a salesperson must draw out the prospect to learn about the person’s problems and goals. Then, the salesperson can talk effectively about how specific benefits of the institution’s products and services can meet the prospect’s needs. Recommended for: NEA/REL/RTL/SBL/TLR/WM

Handling Objections – 220

This course will help prepare salespeople to successfully deal with objections. The course stresses that objections are positive because they present opportunities for learning more about prospects’ needs – opportunities that can help salespeople close sales. Recommended for: NEA/REL/RTL/SBL/TLR/WM

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 52

Cross-Selling and Relationship Development Handling Problem Situations – 408

No one likes to deal with problems and with people who are angry or confused. But problem situations can happen in any institution. This course presents ways employees can provide top-notch service even during problem situations. Recommended for: NEA/REL/RTL/SBL/TLR

How to Say No – 401

It is possible to turn a “no” into a positive experience for the financial institution and the consumer. The emphasis in this course is on the challenge presented by day-to-day public contact. The course explores the psychology of dealing with people and explains how to turn down a person’s request without incurring negative feelings – or losing a valuable account holder. Recommended for: NEA/REL/RTL/SBL/TLR/WM

Introduction to Commercial Selling – 418

Commercial account officers are up against more competition than ever before in the lucrative commercial finance field. As a result, knowing the basics of commercial calling has never been more important. This course provides an overview of proven calling techniques, demonstrates how to develop and follow a sound program for prospecting and qualifying commercial accounts, and explains how to follow up on leads for business prospects. Recommended for: SBL

An Introduction to Crucial Conversations – 890

Whether a relationship is preserved or undermined can hinge on how you handle a crucial conversation, which is any conversation requiring you to say “no” to a request, a behavior or a situation. This course introduces three basic steps for handling crucial conversations. The aim is to arrive at a positive outcome that protects your underlying interests and also preserves your relationship with the other person. Recommended for: All Employees

Listening and Observation Skills – 217

Sharpening your listening skills will help you build trust and solidify relationships with consumers. But messages aren’t carried through word content alone — body language is a significant aspect of modern communications and relationships. This course will help strengthen your ability to listen and accurately interpret body language and vocal characteristics. Recommended for: NEA/REL/RTL/SBL/TLR/WM

Myths and Legends of Teller Selling – 386

Of all the important tasks heaped on frontline employees, none is more daunting to tellers than the need to sell. Tackling this natural aversion to selling is not easy. This course – aimed directly at frontline employees – helps calm their fears by defining relationship selling in the context of everyday service. The course dispels the myths of “tellers as sellers” in a relaxed, easy-to-absorb format that’s more like a game than a course. Recommended for: TLR

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 53

Cross-Selling and Relationship Development New Accounts Opportunities – 145

Opening new accounts for members is a crucial “first contact” procedure that can lead to profitable, long-term relationships. This course discusses how to: • Properly identify new members and verify their identities. • Provide the necessary regulatory disclosures. • Take advantage of cross-selling opportunities at the new accounts desk. Recommended for: NEA/TLR

The Phone: Hotline to Success – 601

In today’s automated environment, the telephone has become an important sales tool for depository institutions. This course discusses the importance of correctly handling incoming calls, as well as techniques for making outgoing business development calls. Recommended for: NEA/TLR

Presentation Skills – 219

A well-prepared sales presentation is like a pitched strike in baseball. If it’s done right, a sales presentation can be delivered in the prospect’s “strike zone.” Recommended for: NEA/REL/RTL/SBL/TLR/WM

Providing Service in Changing Times – 216

This course discusses how to provide superior service in the face of major types of change. It introduces employees to the concepts of service cycles, moments of truth, consumer logic and service recovery, and explains how those concepts relate to providing superior service. Recommended for: NEA/REL/RTL/SBL/TLR

Putting Members First – 326

Because nearly identical products proliferate throughout the financial services industry, a credit union’s service edge often is what sets it apart from the competition. Providing good service means doing the job correctly while meeting the needs of individual members. This ability requires consistent effort on the part of employees as well as sensitivity to members’ expressed and implied needs. This course focuses on techniques for accommodating the needs of your credit union’s diverse member base. The new skills presented are reinforced through job-simulation exercises. Recommended for: NEA/REL/RTL/SBL/TLR

Regulation E: Overdrafts and the Opt-In – 823

This course shows you how to work with members to help them understand Regulation E’s new rules on overdraft services. The rules say that members must “opt in” to your overdraft program if they want protection for their ATM and one-time debit card transactions. When you finish the course, you’ll be ready to help your members understand their options and make decisions that work out well for them and your credit union. Recommended for: NEA/OP/TLR

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 54

Cross-Selling and Relationship Development Retail Relationship Selling – 389

Part of the BVS Relationship Selling Series, this course cites principles and examples intended primarily for retail employees who have broad responsibilities in relationship selling. Those responsibilities – often handled by “platform” employees – extend to probing for needs, handling objections and closing sales. Recommended for: Recommended for: NEA/TLR

Secrets of Relationship Selling – 385

Establishing productive relationships with members is vital to every credit union’s existence. The process of establishing relationships is a natural extension of the roles of financial services professionals. This course is a prerequisite for other courses in the BVS Relationship Selling Series. It is intended for all employees who have contact with members. Recommended for: NEA/REL/RTL/SBL/TLR

Serving Credit Union Members – 132

Serving members well requires a positive state of mind. This course helps employees think more about members as people with needs. It stresses the development of techniques employees can use to provide better service to members. Recommended for: NEA/REL/RTL/SBL/TLR

Serving Members Through Audio and Video – 773

As technology has improved, audio and video communication has become an increasingly useful method for financial institutions to make contact with clients. While video is not the same as an interaction with someone in the same room, it's important to display the same level of professionalism to ensure a productive conversation and a positive impression with clients. This course offers tips on how employees can best present themselves via audio and video. Due to the subject matter of this course, you'll need to activate your computer's audio and video capabilities. Recommended for: All Employees

Serving Members Through Messaging Technology – 775

Clients want interactions with your financial institution to be quick and convenient – and new communication tools like smartphones and tablets are making it possible. Mobile chat is essentially text messaging your clients and allows for real-time conversations that are conducted at a time and location that are convenient for consumers. This course will provide tips for mastering mobile chat and using it to provide the same personalized – yet professional – service that clients have come to expect from your institution. Recommended for: All Employees

Serving Seniors – 307

This course is designed to help front-line employees understand the common characteristics, values, concerns and needs shared by many older consumers. “Serving Seniors” provides a statistical overview of persons 65 years and older, and it discusses ways depository institutions can target their marketing efforts to this important group of consumers. It also stresses superior personal service as the key component of any program designed to attract and retain senior account holders. Recommended for: NEA/REL/RTL/SBL/TLR

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 55

Cross-Selling and Relationship Development Serving the Affluent – 604

Affluent individuals provide a great number of opportunities for a financial institution to expand the use of its products and services. This course focuses on the importance of providing high-quality service to everyone as a way to determine the identities and needs of the affluent. Recommended for: NEA/TLR

Today’s Teller: Cross Selling Credit Union Products – 134

This course is designed to prepare credit union employees to cross sell additional products and services to members. Employees will learn that cross selling is a basic skill that is not difficult to perform, and that opportunities for cross selling are present whenever and wherever there is contact with members. Successfully and routinely performing the key cross-selling steps can contribute significantly to improving the credit union’s bottom line by meeting members’ needs and building better relationships. Recommended for: NEA/REL/RTL/SBL/TLR

World-Class Service: A Member’s View – 332

World-class service” is member service that focuses on opportunities to fill members’ unmet needs. This course gives all employees a view of world-class service from a member’s viewpoint. In addition, we’ll give you the basics in service delivery from a credit union’s point of view by recounting the contributions of employees working on the front lines and behind the scenes to strengthen member relationships. Recommended for: All Employees

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 56

Product Knowledge

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57

Product Knowledge The Certificate of Deposit – 416

This course is designed to help depository institution employees understand the basic attributes of the certificate of deposit, and techniques for selling CDs, by providing detailed information about how certificates of deposit work, the safety, liquidity and yield of CDs, determining consumer needs and qualifying consumers for CDs, and presenting and selling CDs. Recommended for: NEA/REL/RTL/SBL/TLR

Commercial Sweep Accounts – 603

This course explores the features and benefits of the sweep account. You’ll learn how sweeps can be used to meet commercial customers’ financial management needs. Recommended for: OP/SBL

Deposit and Loans: How Interest and Dividends Work – 795

Interest can most simply be defined as the fee that is paid for the use of someone else’s money. Without interest, credit unions like yours would not be able to function – and provide financial services to members. This course explains interest for new employees and takes a closer look at the role interest and dividends play in the everyday operations of your financial institution. Recommended for: NEA/REL/RTL/SBL/TLR

Depository and Other Financial Institutions – 205

This course focuses on the many competing products and services offered by nondepository financial institutions. The course will help depository institution employees understand their own products and how they compete in today’s changing and highly competitive financial marketplace. Recommended for: All Employees

Depository Trust Services – 308

This course explains the trust services that are available through a depository institution and the role the institution can play as trustee or agent. Recommended for: NEA/REL/RTL/SBL/TLR/WM

Education Savings Accounts – 522

The Coverdell Education Savings Account (ESA) is a tax-sheltered plan established by Congress in 1998. Contributions to the account are not deductible, but withdrawals to pay for qualified education expenses generally are tax-free. This course covers the basic rules for establishing and funding an ESA, as well as the provisions for taking distributions. Recommended for: NEA/TLR

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 58

Product Knowledge Fee-Based Investments – 232

Fee-based investment products can be an important source of income, but only if your front-line employees know enough about these products to recognize referral opportunities. This course provides an overview of mutual funds and annuities, as well as discount and full-service brokerage services. It also discusses arrangements depository institutions make to offer these products and services and gives tips for making referrals. Recommended for: NEA/TLR

Financial Planning Basics – 206

Frontline employees are in a unique position to recognize and act upon people’s needs for financial planning assistance. All it takes is a general understanding of the average consumer’s immediate and long-term financial needs, as well as an appreciation of all the ways financial planners can help people meet their financial goals. This course provides the necessary background information and explains how to spot need clues and refer account holders to the institution’s financial planning experts. Recommended for: NEA/REL/RTL/SBL/TLR

Home Equity Products – 605

This course covers the features and benefits of open-end and closed-end home equity products. It begins with the concept of equity, which is the foundation of these products. The course also demonstrates a typical situation in which an employee listens for need clues and relates the benefits of home equity products to the prospective borrower. This course is not intended to provide regulatory guidance for lenders. That material is available in the compliance area of the library. Recommended for: NEA/REL/TLR

Investment Alternatives for Financial Consumers – 203

Today’s financial marketplace offers the consumer a vast array of investment alternatives. Each product possesses distinct advantages and drawbacks, and each investor must consider the options carefully: Do the risks associated with a product outweigh the potential for a high yield? How important is liquidity or the safety of the investment? Financial institution employees can best serve investors’ needs by becoming familiar with the multitude of investment alternatives. This course provides an overview of the products available at depository institutions, as well as those offered by financial services competitors. Recommended for: NEA/REL/RTL/SBL/TLR

Meeting Member Needs with IRAs – 500

This course discusses the features and benefits of traditional deductible IRAs and Roth IRAs. After completing this course, employees will be able to explain eligibility requirements, contribution limits and withdrawal rules. The course includes a skill-building “On the Job” simulation, which allows employees to practice applying the information covered. Recommended for: NEA/TLR

The Money Market Deposit Account – 505

The features and benefits of limited-transaction money market deposit accounts (MMDAs) are covered in this course. Included are basic steps frontline personnel can use to match MMDA benefits with people’s needs. Recommended for: NEA/TLR COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 59

Product Knowledge Providing Safe Deposit Services – 126

Long a source of revenue for financial institutions, the safe deposit box carries with it a variety of legal concerns as well. By knowing and following proper procedures for handling routine safe deposit transactions and for dealing with special circumstances, employees can provide excellent service while avoiding potential legal liability. This course outlines commonly accepted safe deposit procedures, discusses how to handle situations such as nonpayment of rent and co-renter disputes, and points out cross-selling opportunities. Recommended for: MGMT/NEA/TLR

Redeeming Savings Bonds – 822

This course explains the basics of U.S. savings bonds and the proper procedure for redeeming them. Recommended for: NEA/TLR

Selling Trust Services – 415

This course serves as an introduction to trust services. It gives an overview of basic trust relationships, and examines trust and agency functions for individuals and corporations. The course also examines the growing competition for trust business and covers pointers for selling trust services to qualified prospects. Recommended for: NEA/TLR/WM

Understanding Direct Deposit – 512

One of the most popular electronic funds transfer features is direct deposit: the automatic, electronic deposit of payroll or government payments into a depositor’s checking or savings account. Recommended for: NEA/REL/RTL/SBL/TLR

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 60

Leadership and Management

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61

Leadership and Management Commitment to Excellence – 200

Your institution attracts and retains depositors because of its reputation for service excellence. This course helps employees appreciate why a commitment to excellence is a strategic priority in today’s competitive financial services environment. Recommended for: All Employees

Cultivating a Credit Union Learning Culture – 344

Implementing and sustaining an institution-wide learning culture is much more than simply assigning the right courses to the right people at the right time. Setting learning goals that are in line with your credit union’s strategic goals is the first step in bringing a culture of knowledge sharing and skills development to the entire institution. This course is a basic introduction to the principle of cultivating a learning culture to support your credit union’s vision, mission and strategic goals. Recommended for: MGMT

Credit Unions: Basics for Directors – 341

This course gives credit union directors an overview of what makes credit unions unique in the world of financial services. It reviews key historical developments, describes how a typical credit union is structured, and discusses the products and services credit unions offer to their members. Recommended for: DIR/MGMT

Fiduciary Responsibility of Credit Union Directors – 329

The role of a director is to represent members in conducting the affairs of the credit union. The law imposes on directors the fiduciary duty to act in the best interests of members. The board cannot delegate this responsibility, and directors remain liable for oversight of the credit union’s business. This course is intended as a basic introduction to the responsibilities and liabilities of credit union directors. Recommended for: MGMT

Financial Performance Essentials for Directors – 254

This course is designed to help credit union directors develop a basic understanding of their credit union’s financial condition and to prepare them to discuss financial performance and performance objectives with key decisionmakers in the credit union. A fictionalized “Performance Credit Union” is used as a case-study subject to illustrate various concepts. Recommended for: DIR/MGMT

Manage to Win: Building a Team – 210

This course explains how to create a work atmosphere that inspires employees of financial institutions to work as a team. It also explains how to establish the foundation for building the kind of work environment that facilitates teamwork. In addition, this course introduces a fictionalized football coach who will illustrate how many of the fundamental elements of success on the football field can also translate into team success for a financial institution. Recommended for: DIR/MGMT

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 62

Leadership and Management Manage to Win: Playing to Your Potential – 211

This course stresses the importance of morale to motivation. Managers and supervisors will gain the tools to instill a sense of team unity, which is key to helping staff members work up to their potential. The course also includes bits of advice from a skilled teacher and motivator, fictionalized football coach Wally Weber of State University. Recommended for: DIR/MGMT

Management Development: Becoming a Manager – 784

This course, the first in the BVS Management Development Series, will help ensure that the right people are moved into the first-time manager passage, and that they’re equipped to thrive in the new role. Recommended for: MGMT

Management Development: Business Management Skills – 787

This course, the fourth in the BVS Management Development Series, helps ensure that new business managers are prepared for all that awaits within the fourth management level – which can be one of the most satisfying, yet most complicated, passages in a manager’s career. Recommended for: MGMT

Management Development: Leading as a Group Manager – 788

This course, the fifth installment of BVS’s Management Development Series, explores the role of the group manager (or group executive). Many organizations – and group executives themselves – occasionally struggle to understand and define the exact responsibilities of this layer of management. Recommended for: MGMT

Management Development: Managing Managers – 785

This course, the second in the BVS Management Development Series, will help ensure that new or soon-to-be managers of managers are up to the challenge of stepping up to the second management passage. Recommended for: MGMT

Management Development: The CEO – 789

This course, the sixth in the BVS Management Development Series, explores the role of the chief executive officer. The course looks at the challenges specific to this final management passage and provides insight on how to overcome those challenges. Recommended for: DIR/MGMT

Management Development: The Role of the Unit Manager – 786

This course, the third in the BVS Management Development Series, will help ensure that new unit managers (often referred to as division managers or functional managers) are prepared to excel in the third management passage. Recommended for: MGMT

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 63

Leadership and Management Managing Change – 333

Designed for middle managers, this course explains several key components of change and offers coping mechanisms that managers can use for themselves and their teams. Recommended for: DIR/MGMT

Managing Communication Technology – 776

Advances in technology are changing the ways financial institutions interact with clients. It’s important for your institution to position itself to take advantage of this evolution in communication – not doing so could result in losing clients to institutions that do. This course takes a closer look at decisions that must be made in regard to communicating with clients – and how to utilize these innovations in communication technology. Recommended for: MGMT

Managing Employee Performance – 347

Effective managers know that “managing people” is really all about helping people to manage themselves. This course shows managers ways they can help employees succeed in their present jobs and prepare for advancement to new responsibilities. By implementing a continuous process of goal setting, work planning, feedback, adjustments and reviews, managers can achieve the twin goals of developing satisfied, motivated and productive employees while also meeting the organization’s overall performance goals. Recommended for: DIR/MGMT

Personnel Evaluation – 214

This course examines the purposes and elements of the personnel evaluation process and demonstrates how to conduct effective, constructive, meaningful evaluations. It outlines some widely used techniques for measuring the performance of employees at every level of responsibility. Supervisors who carry out this function properly can help employees become more productive and proficient in their own work, more highly motivated, and thus more valuable to the institution. Recommended for: DIR/MGMT

The Right Staff: Hiring Good People – 215

Hiring new employees and terminating current ones are two of the most challenging tasks managers face. This course will help managers better understand and carry out these duties, and help them reduce the potential for legal action by an unhappy job applicant or terminated employee. The course also details techniques that will help managers recruit and hire the right people. Recommended for: DIR/MGMT

Strategic Planning for Credit Unions – 345

A strategic plan is the lifeblood of any business. It is a roadmap to success, a master plan to achieve your credit union’s goals. This basic course covers four of the basic steps of strategic planning: vision statement; mission statement; environmental, resource and SWOT analyses; and strategizing. Recommended for: DIR/MGMT

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 64

Operations

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65

Operations Best Practices in Branch Capture – 730

The cost savings and operational efficiencies from branch capture can suffer if image capturing is not properly executed by branch personnel. This course examines a number of best practices in branch capture that can help tellers and others responsible for deposit scanning and transmission at the branch achieve “zero defect” scanning. Recommended for: MGMT/OP/TLR

Checking and Electronic Payments – 302

This course traces the route a check takes from the time it is written to the time it clears. The course also covers clearing house processing, the Federal Reserve and check truncation. Completion of the course will give staff members a basic understanding of today’s check processing system and the combined impact of the Check 21 Act and growing electronic payment options on the use of checks and drafts and check processing. Recommended for: OP/TLR

Credit Unions: The Banking Alternative – 130

The course provides an overview of what makes a credit union unique in the world of financial services. It focuses on the fundamental goal of a credit union in providing service to members and discusses the key differences between banks and credit unions. Recommended for: All Employees

Depository Institutions and the Economy – 223

This course explores the role of depository institutions in the economy. It examines monetary controls exercised by the Federal Reserve and the impact of those controls on the depository and lending functions. “Depository Institutions and the Economy” provides employees new to the financial services industry with a basic overview of the economic system. Recommended for: NEA/OP/REL/RTL/SBL/TLR

The EFT System –303

This course will familiarize learners with the electronic funds transfer (EFT) system and its importance to depository institutions. It will enable them to relate features and benefits of EFT to the products offered by their institutions and relate those benefits to prospects. Recommended for: NEA/OP/TLR

The Statement of Financial Conditions – 317

This course gives employees a general understanding of a credit union’s Statement of Financial Condition. The course explains assets, liabilities and members’ equity and examines how key items in each category of the statement relate to a credit union, its policies and its members. Recommended for: MGMT/NEA/OP/REL/RTL

COURSE STUDY TIMES:



5 – 10 minutes |



20 – 30 minutes |



45 – 90 minutes |

COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.



Over 90 minutes 66

MICROLEARNING | COURSE CATALOG DECEMBER 2017 | © MMXVII BVS, INC.

67

Compliance and Risk Management Abuse of Vulnerable Adults Detecting Financial Abuse – 12564

This course identifies the signs and patterns of behavior displayed by individuals who are involved in cases of vulnerable adult financial abuse. Recommended for: All Employees

Financial Abuse: The Perpetrators – 12562

This course identifies the common perpetrators involved in cases of vulnerable adult financial abuse. Recommended for: All Employees

Financial Abuse: The Victims – 12560

This course identifies the common victims involved in cases of vulnerable adult financial abuse. Recommended for: All Employees

Preventing Abuse: Dealing with Family Members – 12568

This course describes what you need to know when dealing with family members of vulnerable adult consumers in order to prevent financial abuse. Recommended for: All Employees

Preventing Financial Abuse– 12566

This course identifies ways in which you can promote good financial practices in order to help prevent financial abuse of vulnerable adult consumers. Recommended for: All Employees

Reporting Financial Abuse – 12570

This course identifies who is required to report suspected financial abuse and what information is to be reported. Recommended for: All Employees

Americans with Disabilities Act (ADA) The ADA: Assisting Someone with a Disability – 10048

In the spirit of the Americans with Disabilities Act (ADA), this course provides some useful tips on how to assist someone with a disability. Recommended for: All Employees

ADA Compliance – 10054

This course offers some quick reminders regarding compliance with the Americans with Disabilities Act (ADA). Recommended for: All Employees

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68

Compliance and Risk Management Americans with Disabilities Act (ADA) cont. The ADA: Definition of “Disability” – 10042

This course explains the Americans with Disabilities Act (ADA) definition of a “disability.” Recommended for: All Employees

The ADA: Language – 10046

In the spirit of the Americans with Disabilities Act (ADA), this course is about the language we use when speaking to and about people with a disability. Recommended for: All Employees

The ADA: Mobility Devices, Auxiliary Aids and Services – 10052

This course explains the parameters for deciding when a mobility device is recognized by the Americans with Disabilities Act (ADA), and the types of assistance you should have on-hand for people with disability. Recommended for: All Employees

The ADA: Service Animals – 10050

This course explains what the Americans with Disabilities Act (ADA) allows you to consider when deciding whether or not to allow service animals into your facility. Recommended for: All Employees

The ADA: Unequal and Separate Benefits – 10044

This course explains how to provide equal benefits and services to persons with a disability. Recommended for: All Employees

Purpose of the ADA – 10040

This course is a quick synopsis of the purpose of the Americans with Disabilities Act (ADA). Recommended for: All Employees

Communications Social Media Posts: Innocent or Harmful – 10492

This course discusses whether certain social media posts that may seem harmless could, in fact, be damaging to a financial institution’s reputation. Recommended for: All Employees

Social Media: Risk Reduction – 10494

This course examines social media related reputational harm for companies. It asserts that every employee should have social media training. Recommended for: All Employees

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69

Compliance and Risk Management Communications cont. Social Media: The Risks – 10490

This course explores the risks social media can pose to a financial institution — even from employees who are posting information on their own personal time. Recommended for: All Employees

Social Media: Vigilance is Key – 10496

This course shows how even a seemingly harmless social media post could be detrimental to a financial institution’s reputation, underscoring the importance of considering the potential impact of anything posted online. Recommended for: All Employees

Diversity Diversity 101 – 10020

This course provides an outline of immigration trends in the United States. It also touches on the significance of diversity programs at work. Recommended for: All Employees

Diversity as a Business Matter – 10026

This course describes how many financial institutions are making an effort to tailor their hiring and marketing strategies to align with the needs of their community. Recommended for: All Employees

Diversity: The Changing Marketplace – 10024

This course describes how diversity is impacting today’s workplace and marketplace. It also touches on how changing demographic trends in the United States are impacting your consumer base. Recommended for: All Employees

Diversity: The Cultural Change – 10030

This course examines what you and your fellow coworkers need to do in order to create a tolerant and accepting workplace culture. Recommended for: All Employees

Diversity: Legal Issues – 10022

This course outlines many of the laws and regulations that are in place to prevent discrimination in the workplace. It also describes the discriminatory activities that these rules are put in place to prevent. Recommended for: All Employees

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70

Compliance and Risk Management Diversity cont. Diversity: What YOU Can Do – 10032

This course describes the benefits that are attainable to you as an employee if you learn to value diversity. We’ll also look at what it takes for an institution to accomplish a successful culture change. Recommended for: All Employees

The Value of Diversity – 10028

This course examines some of the misconceptions surrounding the concept of valuing diversity in the workplace. Recommended for: All Employees

What is Diversity – 10029

This course examines diversity as a business matter. It also describes exactly what it means to value diversity. Recommended for: All Employees

Electronic Funds Transfer Act (EFTA) – Regulation E The EFT Contract – 11500

This course goes over the basic rights and protections afforded to those who use electronic fund transfers that Regulation E provides by establishing a contract between users and the financial institution. Recommended for: DIR/MGMT/NEA/OP/RTL/TLR

EFT: ATM Disclosures – 11509

This course describes what information must be included on ATM receipts to comply with Regulation E, as well as the disclosure rules involving automated teller machines (ATMs). Recommended for: DIR/MGMT/NEA/OP/RTL/TLR

EFT: Compliance and Service Quality – 11504

This course underscores the importance of knowing what products and services your institution offers that involve electronic transfer, so that you can help ensure compliance with Regulation E and be prepared to answer questions and address people's concerns. Recommended for: DIR/MGMT/NEA/OP/RTL/TLR

EFT: Consumer Liability – 11514

This course describes the obligations an account holder must fulfill to maintain Regulation E's protections in the event of unauthorized ATM or debit card usage. Recommended for: DIR/MGMT/NEA/OP/RTL/TLR

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71

Compliance and Risk Management Electronic Funds Transfer Act (EFTA) – Regulation E cont. EFT: Error Resolution – 11513

This course illustrates Regulation E’s process for resolving errors that have taken place during the course of an electronic fund transfer (EFT). Recommended for: DIR/MGMT/NEA/OP/RTL/TLR

EFT: The Error Resolution Process in Action – 11512

This course covers rules stipulated by Regulation E for resolving disputes or errors that result from electronic fund transfers, including timing requirements for reporting errors in order to maintain Reg. E protections. Recommended for: DIR/MGMT/NEA/OP/RTL/TLR

EFT: Initial Disclosure – 11506

This course covers initial disclosure, which Regulation E stipulates is due when someone signs up for an electronic fund transfer service, or before the first EFT occurs. Recommended for: DIR/MGMT/NEA/OP/RTL/TLR

EFT: Overdraft Rules and Issuing Services – 11510

This course goes over the Regulation E rules related to automated teller machines (ATMs), one-time debit card transactions that overdraw an account, and also describes the limited circumstances under which access devices such as ATM cards can be issued. Recommended for: DIR/MGMT/NEA/OP/RTL/TLR

EFT: Periodic Disclosures – 11508

This course describes the periodic disclosures as well as the change in terms notices that your institution must provide to consumers, according to Regulation E. Recommended for: DIR/MGMT/NEA/OP/RTL/TLR

EFT: Preauthorized Transfers – 11516

This course goes over some special Regulation E provisions that apply to preauthorized transfers, such as automatic bill payment. Recommended for: DIR/MGMT/NEA/OP/RTL/TLR

What is an EFT – 11502

This course covers Regulation E’s definition of an electronic fund transfer — in essence, any transfer of funds initiated through an electronic terminal, telephone, computer or magnetic tape for the purpose of ordering, instructing or authorizing a financial institution to either credit or debit an account. Recommended for: DIR/MGMT/NEA/OP/RTL/TLR

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Compliance and Risk Management Expedited Funds Availability Act (EFFA) – Regulation CC Reg. CC: Disclosure Requirements – 11348

This course explains the how and what to disclose, according to Reg. CC’s funds availability schedule requirements. Recommended for: NEA

Reg. CC: Exceptions to Schedules – 11344

This course explains exceptions to the Electronic Funds Availability Act, applied under Reg. CC. Recommended for: NEA

Reg. CC: The Mobile Exception – 11346

This course explains how, according to Reg. CC, the law views depositing via digital imaging and the funds they represent. Recommended for: NEA

Reg. CC: Next Day Availability – 11340

This course provides a quick overview of the three major tasks financial institutions must carry on to be compliant with OFAC regulations, including use of the SDN list. Recommended for: NEA

Reg. CC: Other Availability Schedules – 11342

This course explains Reg. CC's "second-day availability" of deposited funds. Recommended for: NEA

Fair Lending Fair Lending: Framework – 11280

This course describes the framework for fair lending found in the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act. Recommended for: DIR/MGMT/NEA/REL/RTL/SBL

Fair Lending: Prohibited Acts– 11282

This course goes over a number of prohibited acts — or, things lenders may not discriminate on the basis of — as defined by the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act. Recommended for: MGMT/NEA/REL/RTL/SBL

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Compliance and Risk Management Fiduciary Rule The Fiduciary Rule: In Your Member’s Best Interests – 15396

This course describes the U.S. Department of Labor's Fiduciary Rule, which says sellers of retirement products must always work in the client’s best interests, rather than recommending a product that might be suitable but not in the client’s best interests. Recommended for: DIR/MGMT/OP/TLR

Flood Insurance Flood Insurance: Basic Requirements – 10752

This course discusses participation in the National Flood Insurance Program and using the Standard Flood Hazard Determination form to document findings on whether a property needs flood insurance. It also covers special requirements that apply to certain categories of structures — new construction, condominiums, multiple buildings, and mobile and manufactured homes. Recommended for: DIR/MGMT/NEA/OP/REL/RTL/SBL

Flood Insurance: The Determination Process – 10754

This course discusses how FEMA’s Flood Hazard Boundary Maps and Flood Insurance Rate Maps are used to show the location of special flood hazard areas and help determine the need for flood insurance on properties. Recommended for: DIR/MGMT/NEA/OP/REL/RTL/SBL

Flood Insurance: Escrow Requirements – 10764

This course discusses the National Flood Insurance Reform Act’s mandatory escrow provisions requiring that lenders not qualifying for the small lender exemption establish escrow accounts to pay flood insurance for all designated residential loans made, increased, extended or renewed. Recommended for: DIR/MGMT/NEA/OP/REL/RTL/SBL

Flood Insurance: Expiration and Renewal Notices – 10760

This course discusses the requirements for giving notice — before a flood insurance policy obtained at loan origination — for a designated property expires or is due for renewal. Recommended for: DIR/MGMT/NEA/OP/REL/RTL/SBL

Flood Insurance: Forced Placement – 10762

This course discusses the National Flood Insurance Reform Act’s requirement for the force placement of flood insurance, in the event a servicer or lender determines a security property is not adequately insured, and the borrower fails to purchase insurance. Recommended for: DIR/MGMT/NEA/OP/REL/RTL/SBL

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Compliance and Risk Management Flood Insurance cont. Flood Insurance: Notice to Borrower and Servicer – 10756

This course discusses the content and timing of one of the key requirements of the National Flood Insurance Reform Act —properly notifying borrowers and loan servicers of the need for flood insurance. Recommended for: DIR/MGMT/NEA/OP/REL/RTL/SBL

Flood Insurance: Notice of Servicer Identity – 10758

This course covers notifying the Administrator of FEMA’s designee in writing of the identity of the servicer whenever a designated special flood hazard area loan is made, increased, renewed, extended, sold or transferred. Recommended for: DIR/MGMT/NEA/OP/REL/RTL/SBL

Flood Insurance: When NFIRA Applies – 10750

This course discusses the situations in which the National Flood Insurance Reform Act — designed to make federally subsidized flood insurance available to affected property owners and to make purchasing flood insurance mandatory for those property owners — applies. Recommended for: DIR/MGMT/NEA/OP/REL/RTL/SBL

Fraud Identity Theft Red Flag Categories – 10845

This course describes some red flags — or irregularities — that should alert you that some form of identity theft might be occurring. Recommended for: DIR/MGMT

Identity Theft Red Flag Responses – 10847

This course describes the appropriate ways in which you should respond when encountering a red flag. Recommended for: DIR/MGMT

Maintaining Your Identity Theft Program – 10843

This course is about overseeing, maintaining and updating your institution’s identity theft program. Recommended for: DIR/MGMT

Red Flag Rules: Compliance Blueprint – 10841

This course describes how Red Flag requirements impact you and those you serve. Recommended for: DIR/MGMT

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Compliance and Risk Management OFAC Interdiction Software – 10275

This course makes the case for the use of OFAC filtering software to check, identify and report OFAC violations. Recommended for: DIR/MGMT

OFAC Compliance – 10273

This course provides a quick overview of the three major tasks financial institutions must carry on to be compliant with OFAC regulations, including use of the SDN list. Recommended for: All Employees

What is OFAC? – 10271

This course is an introduction to the intent and goals of the OFAC Act and the role financial institutions play in accomplishing those goals. Recommended for: All Employees

Pandemics Pandemics: The Basics of Infectious Disease – 10400

This course gives a general overview of communicable illness and discusses the importance of vaccination in preventing the spread of pandemic illnesses. Recommended for: All Employees

Pandemics: Protecting the Public – 10406

This course goes over some steps you can take at your job to help control the spread of pandemic illness. Recommended for: All Employees

Pandemics: Protecting Yourself and Your Family – 10404

This course looks at ways to protect yourself and those closest to you if a pandemic hits the population. Recommended for: All Employees

Preparing for a Pandemic – 10402

This course discusses a number of personal hygiene steps you can take to help control the spread of pandemic illness. Recommended for: All Employees

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Compliance and Risk Management RESPA RESPA: Affiliated Business Arrangements – 11062

This course discusses the rules triggered by affiliated business arrangements (AfBAs) under the Real Estate Settlement Procedures Act and Regulation X. It also covers the Affiliated Business Arrangement Disclosure Statement. Recommended for: MGMT/NEA/REL/RTL/SBL

RESPA: Continuity of Contact – 11076

This course covers the rules set forth by the Real Estate Settlement Procedures Act and Regulation X for assigning personnel to delinquent borrowers in order to respond to that borrower’s inquiries and assist with loss mitigation options. Recommended for: MGMT/NEA/REL/RTL/SBL

RESPA: Covered Loans and Payment Provisions – 11060

This course looks at which loans are covered by the Real Estate Settlement Procedures Act and Regulation X. It also discusses the payments allowed under RESPA. Recommended for: MGMT/NEA/REL/RTL/SBL

RESPA: Disclosure Requirements – 11064

This course covers the rules for servicing escrow accounts under the Real Estate Settlement Procedures Act and Regulation X. Recommended for: MGMT/NEA/REL/RTL/SBL

RESPA: The Effect of Noncompliance – 11082

This course discusses the penalties for noncompliance with the Real Estate Settlement Procedures Act and Regulation X. Recommended for: MGMT/NEA/REL/RTL/SBL

RESPA: Error Resolution and Information Requests – 11070

This course describes the rules set forth by the Real Estate Settlement Procedures Act and Regulation X when dealing with error resolution and information requests for federally related mortgage loans. Recommended for: MGMT/NEA/REL/RTL/SBL

RESPA: Escrow Requirements – 11066

This Dynamic MicroLearning Course covers the rules for servicing escrow accounts under the Real Estate Settlement Procedures and Regulation X. Recommended for: MGMT/NEA/REL/RTL/SBL

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Compliance and Risk Management RESPA cont. RESPA: Force-Placed Hazard Insurance – 11078

This course discusses the Dodd-Frank Act’s rules for force-placed hazard insurance, which come into play when hazard insurance is required and a lender has a reasonable basis to believe that a borrower has failed to meet this requirement. Recommended for: MGMT/NEA/REL/RTL/SBL

RESPA: General Policies, Procedures and Requirements – 11080

This course rounds up a number of general policies and procedures that mortgage lenders must have in place, as required by the Real Estate Settlement Procedures Act and Regulation X. Recommended for: MGMT/NEA/REL/RTL/SBL

RESPA: Loan Servicing Transfers – 11068

This course covers the Real Estate Settlement Procedures Act and Regulation X rules for when a lender transfers servicing rights for an existing mortgage loan after settlement. Recommended for: MGMT/NEA/REL/RTL/SBL

RESPA: Loss Mitigation – 11074

This course covers the requirements of the loss mitigation rule set forth by the Real Estate Settlement Procedures Act and Regulation X. Recommended for: MGMT/NEA/REL/RTL/SBL

RESPA's Early Intervention Rule – 11072

This course discusses the requirements, set forth by the Real Estate Settlement Procedures Act and Regulation X, that lenders must follow in certain situations when a borrower is delinquent with a loan payment. It also discusses situations in which the early intervention rule does not apply. Recommended for: MGMT/NEA/REL/RTL/SBL

Servicemembers Civil Relief Act (SCRA) SCRA: Interest Rate Cap – 11682

This course goes over the Servicemembers Civil Relief Act’s requirements related to the amount of interest that may be charged to borrowers who are called to active duty. Recommended for: DIR/MGMT/NEA/REL/RTL/SBL

SCRA: Leases and Co-Borrowers – 11688

This course covers Servicemembers Civil Relief Act provisions that apply to leases of real estate or personal property; and the rights the SCRA affords to any co-borrower or guarantor for a servicemember's loan. Recommended for: DIR/MGMT/NEA/REL/RTL/SBL

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Compliance and Risk Management Servicemembers Civil Relief Act (SCRA) cont. SCRA: Military Service Defined – 11680

This course covers the Servicemembers Civil Relief Act’s definition of military service, which applies to all active-duty military personnel. Recommended for: DIR/MGMT/NEA/REL/RTL/SBL

SCRA: Mortgage Provisions – 11684

This course covers a mortgage lender’s responsibilities related to informing servicemembers of their rights — and what those rights are — under the Servicemembers Civil Relief Act. Recommended for: DIR/MGMT/NEA/REL/RTL/SBL

SCRA: Special Protections – 11686

This course examines the protections afforded to servicemembers under the Servicemembers Civil Relief Act, including restrictions on a lender's efforts to collect on real estate and trust obligations. Recommended for: DIR/MGMT/NEA/REL/RTL/SBL

Sexual Harassment Sexual Harassment: Victims’ Rights – 11704

This course provides information the legal bases victims can use to combat sexual harassment in the workplace. Recommended for: All Employees

Sexual Harassment: Why Have a Policy? – 11700

This course makes a quick case for an employer having an active sexual harassment policy. Recommended for: All Employees

What is Sexual Harassment? – 11702

This course will give the learner an understanding of what sexual harassment is in the workplace. Recommended for: All Employees

Truth in Lending Loan Documentation: Truth in Lending – 14054

This course describes the impact of the Truth in Lending Act (TILA) in consumer lending and the protection it provides to borrowers. Recommended for: NEA/REL/RTL

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Compliance and Risk Management Truth in Lending cont. Reg. Z: Ability to Repay and Qualified Mortgages – 11838

This course looks at the Regulation Z (and Truth in Lending Act) Ability to Repay/Qualified Mortgage rule, which is an important outcome of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Recommended for: DIR/MGMT/NEA/ REL/ RTL/SBL

Reg. Z: Closed-End Credit Defined – 11836

This course defines closed-end credit and looks at the most common closed-end credit plans covered by Regulation Z (and the Truth in Lending Act) — including consumer non-real estate loans up to a certain dollar threshold, or any loan secured by real property or property that serves as the borrower's principal dwelling or second home. Recommended for: DIR/MGMT/NEA/ REL/ RTL/SBL

Reg. Z: Closed-End Credit Disclosures – 11842

This course describes Regulation Z’s (and the Truth in Lending Act’s) other disclosure rules, not including TILA-RESPA Integrated Disclosure (TRID) rules. Recommended for: DIR/MGMT/NEA/ REL/ RTL/SBL

Reg. Z: HELOCs – 11834

This course looks at the Regulation Z (and Truth in Lending Act) additional early disclosure requirements for home equity lines of credit (HELOCs). Recommended for: DIR/MGMT/NEA/REL/RTL/SBL

Reg. Z: Integrated Mortgage Disclosures – 11840

This course looks at the Loan Estimate and Closing Disclosure, two forms mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act and implemented under Regulation Z (and the Truth in Lending Act). These two forms were created under what’s known as the TILA-RESPA Integrated Disclosure (or TRID) rule. Recommended for: DIR/MGMT/NEA/ REL/ RTL/SBL

Reg. Z: Open-End Credit Defined – 11830

This course defines open-end credit and looks at the most common open-end credit plans covered by Regulation Z (and the Truth in Lending Act) — including credit cards, home equity lines of credit (HELOCs) and overdraft protection lines of credit. Recommended for: DIR/MGMT/NEA/REL/RTL/SBL

Reg. Z: Open-End Credit Disclosures – 11832

This course looks at the Regulation Z (and Truth in Lending Act) disclosure requirements related to open-end credit — including account-opening disclosures, periodic statement disclosures, renewal disclosures and change-in-terms disclosures. Recommended for: DIR/MGMT/NEA/REL/RTL/SBL

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Compliance and Risk Management Unfair, Deceptive or Abusive Acts or Practices (UDAAP) UDAAP: Case Examples – 11862

This course gives several examples of what the CFPB views as “unfair,” “deceptive” and “abusive” acts and practices under UDAAP. Recommended for: All Employees

UDAAP: Steering Clear of Violations – 11864

This course provides some universal tips for avoiding UDAAP violations. Recommended for: All Employees

Unfair, Deceptive, Abusive: Definitions – 11860

This course provides quick definitions of UDAAP’s “unfair,” “deceptive” and “abusive” categories. Recommended for: All Employees

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Physical and Information Security Information Security Common Social Engineering Techniques – 13150

This course describes some social engineering techniques and how a social engineer plays a part, pretending to be somebody that they believe you will trust. Recommended for: All Employees

Consumer Information Confidentiality: Code of Ethics – 11572

This course describes the privacy principles that are often included in an institution's code of ethics. Recommended for: All Employees

Consumer Information Confidentiality: Legal Requirements – 11570

This course describes the legal requirements for maintaining the confidentiality of a consumer’s financial information. Recommended for: All Employees

Consumer Information: Confidentiality Techniques – 11574

This course describes the everyday routines you should be practicing in order to protect the confidentiality of your consumers. Recommended for: All Employees

Creating Strong Passwords – 12710

This course provides the latest thinking on what makes a password strong, and tips on how best to create one. Recommended for: All Employees

Cyber Security: Daily Precautions – 12706

This course is about precautions you should take in order to prevent information security leaks. Recommended for: All Employees

Cyber Security: Device and Document Security – 12704

This course describes your role in protecting sensitive information from physical security breaches. Recommended for: All Employees

Cyber Security: The Risks – 12700

This course describes some of the risks involved with internet use and computing in “the cloud.” Recommended for: All Employees

Cyber Security: Your Role – Internet Security – 12702

This course describes your role in safeguarding sensitive information while using the Internet. Recommended for: All Employees

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Physical and Information Security Information Security cont. Remembering Passwords – 12712

This course describes strategies for creating strong and memorable passwords. Recommended for: All Employees

Social Engineering: Avoiding the Traps – 13154

This course is about overseeing, maintaining and updating your institution’s identity theft program. Recommended for: All Employees

Social Engineering: The Consequences of Being Duped – 13156

This course will provide you with tips on how to avoid potential scams and describes the consequences that may result from a successful scam. Recommended for: All Employees

Social Engineers: Playing the Part – 13152

This course describes some of the “roles” a social engineer might play in order to portray someone that you’ll trust. Recommended for: All Employees

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Physical and Information Security Physical Security Active Shooter: How to Respond – 13232

This course provides a number of recommendations from the United States Department of Homeland Security on how to survive if you are on the scene of an active shooter event. WARNING: This course contains images of guns, which may be disturbing to some learners. Please be advised that the content involves depictions of violence in the workplace. Recommended for: All Employees

Active Shooter: Preparation is Key – 13230

Thiscourse describes the best things you can do to prepare for an active shooter event, including creating an Emergency Action Plan (EAP) and conducting mock active shooter training exercises. WARNING: This course contains images of guns, which may be disturbing to some learners. Please be advised that the content involves depictions of violence in the workplace. Recommended for: All Employees

Robbery Preparation – 13044

This course describes why individuals rob financial institutions and how you as an employee can protect yourself at work. Recommended for: All Employees

Robbery Prevention – 13046

This course describes how to prepare for unavoidable robbery threats. Recommended for: All Employees

Robbery Security Measures – 13042

This course describes the security precautions you can take to reduce the chance of a robbery at your institution. Recommended for: All Employees

Robbery Statistics – 13040

This course examines robbery statistics for financial institutions. It also discusses strategies used by robbers. Recommended for: All Employees

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Physical and Information Security Physical Security cont. Workplace Abuse: Violence – 13202

This course looks at types of workplace violence based on the potential source of a threat or violent attack — criminal, consumer, coworker or cohabitant. Recommended for: All Employees

Workplace Abuse: What it Is – 13200

This course examines such questions as, What is workplace abuse? Is it a premeditated event or something that happens when someone just “snaps?” And what are the sources of violence? Recommended for: All Employees

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Member Service Handling Cash: Counting Money – 14536

This course explains how to properly count and record money. Follow these procedures every time to protect you, your financial institution and your account holders. Recommended for: TLR

Handling Cash: Drawer Setup – 14534

This course explains how to organize a cash drawer and handle both mutilated and bait money. Recommended for: TLR

Handling Cash: Opening Routine – 14532

This course illustrates the importance of being tactful and developing relationship and sales skills. Recommended for: TLR

Handling Cash: Workspace Setup – 14530

This course explains the importance of preparation, a consistent opening routine, and a friendly attitude. Recommended for: TLR

Packaged Currency and Rolled Coin – 14538

This course covers organizing cash into both full and partial packages. You’ll also learn how to package loose coin. Recommended for: TLR

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Retail Lending Loan Documentation: Assignment Forms – 14060

This course examines assignment forms, which are a crucial element in protecting your institution from loss in the event of a default. Recommended for: NEA/REL/RTL

Loan Documentation: Background and Article 9 – 14050

This course outlines the history and importance of loan documentation as well as the significance of Article 9 of the Uniform Commercial Code (UCC). Recommended for: NEA/REL/RTL

Loan Documentation: Basic Documents – 14052

This course examines the basic documents used in consumer loans. Recommended for: NEA/REL/RTL

Loan Documentation: Closing – 14066

This course takes you through the process of closing a loan. We’ll also delve into the recommended procedures for completing loan closing documentation. Recommended for: NEA/REL/RTL

Loan Documentation: Co-Signers – 14062

This course describes the eligibility guidelines and responsibilities for co-signers on loans. It also examines the differences between co-signers and co-borrowers. Recommended for: NEA/REL/RTL

Loan Documentation: Financing Statement – 14058

This course examines what must be included in the financing statement. You'll also learn how important it is to properly identify the borrower when filing financing statements. Recommended for: NEA/REL/RTL

Loan Documentation: Guaranty – 14064

This course describes what a guaranty is. We’ll also take a look at the four basic types of guaranties. Recommended for: NEA/REL/RTL

Loan Documentation: Security Agreement – 14056

This course describes the significance of the collateral security agreement in consumer loan documentation. Recommended for: NEA/REL/RTL

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Cross Selling and Relationship Development Excellence: Actively Contributing to Objectives – 13664

This course defines performance management and describes how continuous learning fits within a broader performance management framework. Recommended for: All Employees

Excellence: Change Motivates Learning – 13656

This course explains how continuous change in the financial services industry makes ongoing learning essential. Recommended for: All Employees

Excellence: The Competitive Edge – 13650

This course illustrates how important it is for all employees to deliver high-quality service in order to achieve success in today’s economic climate. Recommended for: All Employees

Excellence: From Learning to Application– 13666

This course describes how you can take the knowledge, information and skills you learn in training and apply it to everyday work situations. Recommended for: All Employees

Excellence: Learning to Improve Performance – 13662

This course examines learning in the modern workforce and describes the difference between training and education. Recommended for: All Employees

Excellence: The People Industry – 13652

This course examines why, in a general sense, the financial services industry is really a people industry. Recommended for: All Employees

Excellence: Professionalism Equals Success – 13660

This course describes how taking advantage of learning opportunities and a commitment to excellence may enhance the development of your career. Recommended for: All Employees

Excellence: Reaching Goals – 13654

This course discusses the key factors that are critical to the success of your institution in order to achieve service excellence. Recommended for: All Employees

Excellence: Service and Sales Skills – 13658

This course illustrates the importance of being tactful and developing relationship and sales skills. Recommended for: All Employees

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Cross Selling and Relationship Development Relationship Selling: Determining Member Needs – 17372

This course describes the impact having a positive closing attitude can have on wrapping up a sale. It also goes over several member buying fears and prepares learners to address them. Recommended for: NEA/REL/RTL

Relationship Selling: Determining Member Needs – 17360

This course explains the importance of establishing personal relationships with your members as well as learning their needs. Recommended for: NEA/REL/RTL

Relationship Selling: Hearing vs. Listening – 17366

This course describes the distinct difference between hearing and listening, explains why an active listener’s goal should be to identify a person’s main point and supporting reasons, and covers the barriers to good listening. Recommended for: NEA/REL/RTL

Relationship Selling: Observational Skills – 17368

This course describes the importance of observation skills, underscoring that body language and vocal characteristics may reveal as much as — or more — about what a person is thinking or feeling as spoken words. Recommended for: NEA/REL/RTL

Relationship Selling: Overcoming Obstacles – 17370

This course explains that handling objections — or, overcoming obstacles — is a problem-solving process. It also outlines the four basic types of objections: price, product, competition, and personal. Recommended for: NEA/REL/RTL

Relationship Selling: Presenting Features and Benefits – 17364

This course explains the difference between features and benefits. It outlines four strategies to help you focus on your member’s needs. Recommended for: NEA/REL/RTL

Relationship Selling: Types of Questions – 17362

This course discusses the difference between closed-ended and open-ended questions. It also describes seven general types of questions. Recommended for: NEA/REL/RTL

Smile, You’re on the World Wide Web – 17290

This course describes some of the “roles” a social engineer might play in order to portray someone that you’ll trust. Recommended for: All Employees

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Product Knowledge Fee-Based Investments: Annuities – 13476

This course is a quick primer on the features and benefits — as well as the disadvantages — of annuities. Recommended for: DIR/MGMT/NEA

Fee-Based Investments: Investment Services – 13478

This course explains the difference between a full-service investment broker and a discount broker. Recommended for: DIR/MGMT/NEA

Fee-Based Investments: Legal Restrictions – 13470

This course is a primer on the history of the legal ability of depository institutions to dabble in the buying and selling of securities and other investment banking activities. Recommended for: DIR/MGMT/NEA

Fee-Based Investments: Mutual Funds – 13474

This course describes the features and benefits — as well as the disadvantages — of investment programs known as “mutual funds.” Recommended for: DIR/MGMT/NEA

Fee-Based Investments: Referral Opportunities – 13482

This course tells you how to refer account holders to qualified investment sales agents. Recommended for: DIR/MGMT/NEA

Fee-Based Investments: Sales and Disclosures – 13480

This course explains how a depository institution may involve itself in the sale of investment securities and what disclosures must be made when doing so. Recommended for: DIR/MGMT/NEA

Fee-Based Investments: Why Invest? – 13472

This course will give you a few quick reasons why people like to invest through the institution with which they bank. Recommended for: DIR/MGMT/NEA

Negotiable Instrument Features – 13600

This course provides some examples of negotiable instruments and describes the features that define them as negotiable. Recommended for: NEA/TLR

Negotiable Instruments: Endorsements – 13606

This course describes what “recourse” is and why it’s so important to a financial institution. Recommended for: NEA/TLR

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Product Knowledge Negotiable Instruments: Recourse – 13602

This course describes what "recourse" is and why it's so important to a financial institution. Recommended for: NEA/TLR

Personal Checks and Other Instruments – 13604

This course provides some examples of negotiable instruments and describes the features that define them as negotiable. Recommended for: NEA/TLR

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Leadership and Management Business Managers: Mastering the Complexity – 13700

This course looks at the role of the business manager — a role described by some as the most satisfying, but also potentially the most challenging, of a manager’s entire career. Recommended for: MGMT

Business Managers: Real-Life Practice – 13706

This course allows new business managers to continue developing their skills by working their way through a series of simulated "real-life" situations. Recommended for: MGMT

Business Managers: Red Flags – 13704

This course describes how to identify red flags indicating that new business managers may be struggling. Recommended for: MGMT

Business Managers: Self-Directed Development – 13702

This course looks at how to excel in the business management role, a level where continued growth and development is often self-directed. Recommended for: MGMT

The CEO: Fight Significant Changes – 13722

This course breaks the major challenges a CEO is likely to face into the following headings: managing in a wider context, getting the work done, delivering results, charting the course and shaping the human angle. Recommended for: MGMT

The CEO: Path to the Top – 13720

This course looks at the best path to becoming a chief executive officer (often called the enterprise manager, the company president, the chairman or simply the CEO) — is any of it missing from YOUR resume? Recommended for: MGMT

The CEO: Real-Life Practice – 13728

This course allows new chief executive officers to solidify their skills by working their way through a series of simulated "real-life" situations. Recommended for: MGMT

The CEO: Troubled Waters – 13724

This course looks at four behaviors and attitudes that suggest a CEO may be having problems: not learning how the institution accomplishes things, loading up on external duties, neglecting soft matters and dodging questions. Recommended for: MGMT

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Leadership and Management The CEO: Value Shifts – 13726

This course looks at why and how a CEO must adopt a system of beliefs substantially different from those required at lower management levels. Recommended for: MGMT

First-Time Managers: Excel at These Three Skills – 13672

This course looks at three important skills — building social contracts, defining and assigning work, and enabling direct reports to do the work — that can help you excel as you enter the management track. Recommended for: MGMT

First-Time Managers: Preparatory Steps – 13674

This course goes over steps that can help a first-time manager prepare for his or her new role, and also discusses how to monitor whether a new manager's transition is being made successfully and when and how to intervene if there are problems. Recommended for: MGMT

First-Time Managers: Real-Life Practice – 13676

This course allows those who are new to the management track to practice their budding skills by working their way through a series of simulated "real-life" situations. Recommended for: MGMT

First-Time Managers: Shifting Your Perspective – 13670

This course looks at effective self-management and the shifts in perspective that must occur as you step into the role of first-time manager, such as the shift from doing certain tasks to getting them done through others. Recommended for: MGMT

Managing Managers: Embracing the Role – 13680

This course looks at some of the major responsibilities of second-level managers and discusses the importance of properly valuing managerial work. Recommended for: MGMT

Managing Mangers: Four Crucial Skills – 13682

This course explores four critical skills that should be honed by managers of managers — selecting and grooming first-time managers, holding first-time managers accountable, distributing and redistributing resources among units and managing the boundaries separating various units. Recommended for: MGMT

Managing Managers: Real-Life Practice – 13686

This course allows those who are new to the role of managing managers to practice their skills by working their way through a series of simulated “real-life” situations. Recommended for: MGMT

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Leadership and Management Managing Managers: Signs of Struggle – 13684

This course describes some common signs that reveal when a manager of managers is struggling and goes over some measures that can help these managers succeed. Recommended for: MGMT

Unit Managers: Identifying Problem Areas – 13694

This course examines challenges new unit managers frequently face while acclimating to the job. It also addresses how to spot problems a new unit manager might be experiencing and provides ideas for effectively tackling those situations. Recommended for: MGMT

Unit Managers: Real-Life Practice – 13696

This course allows new unit managers to continue developing their skills by working their way through a series of simulated “real-life” situations. Recommended for: MGMT

Unit Managers: Role Requirements – 13690

This course looks at how best to grow into the role of a unit manager — those who have authority over an organizational unit (such as a department). Recommended for: MGMT

Unit Managers: Successful Approach – 13692

This course looks at some specific skills and duties that are generally assigned to a unit manager, and covers the best way to approach these aspects of the job. Recommended for: MGMT

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Operations Financial Instrument Fraud: Counterfeit Currency – 12972

This course explains the best way to guard against accepting counterfeit money — and what to do if you receive a bill you believe to be counterfeit. Recommended for: NEA/TLR

Financial Instrument Fraud: Forged Checks – 12970

This course describes standard check features, and then covers how to screen checks and endorsements for signs of forgery. Recommended for: NEA/TLR

Financial Instrument Fraud: Phony Cards – 12974

This course explains how to spot debit cards and credit cards that have been counterfeited, stolen and/or altered. Recommended for: NEA/TLR

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Computer and Business Skills Courses

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Computer and Business Skills Courses

A subscription to the Dynamic Learning full library includes the 25 Skillsoft® courses listed below. This collection provides essential training in desktop computing, business, IT, workplace compliance and more.

BUSINESS:

Be a Better Listener Becoming an Inspirational Leader Beginning Your Coaching Engagement Being an Effective Team Member Communicating Vision to Your Employees Connecting Customers and Solutions The Delegation Process Encouraging Team Communication and Collaboration Handling Team Conflict Planning for Performance Thinking Critically: Drawing Conclusions with Confidence Trust Building Trough Effective Communication

DESKTOP:

Creating, Editing, and Saving Excel 2016 Workbooks Formatting Excel 2016 Data Getting to Know Outlook 2016 IT Security for End Users: IT Security Fundamentals Using the Calendar to Schedule Appointments, Events, and Tasks in Outlook 2016 Working with the Interface and Performing Basic Tasks in Word 2016 Writing Effective E-mails and Instant Messages

IT:

CompTIA Security+ SY0-401: Creating Secure Networks CompTIA Security+ SY0-401: Remote Access, Mobile, and Wireless Security

LEGAL COMPLIANCE: Code of Conduct Awareness HIPAA Privacy Essentials Workplace Harassment Prevention for Employees Workplace Harassment Prevention for Managers

Thousands of additional Skillsoft courses are available for a per-course licensing fee. Catalogs for CABs courses are located in the Course Center under Computer/Business Skills.

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Association of Certified Anti-Money Laundering ® Specialists Information

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Association of Certified Anti-Money Laundering Specialists® Information ACAMS® CERTIFICATION INFORMATION Several BVS training courses have been approved for Continuing Education credit by the Association of Certified Anti-Money Laundering Specialists® (ACAMS). The amount of credit is listed online with each detailed course description, as well as in the Table of Contents of this catalog. Individuals with the Certified Anti-Money Laundering Specialist (CAMS) designation have passed a rigorous examination that tests for aptitude and expertise in the prevention and detection of money laundering. This credential is recognized by financial institutions and governments throughout the world. ACAMS reserves the right to request and audit documentation confirming credits earned, so learners should retain supporting documentation that approved BVS courses were completed successfully. Reports from the BVS Learning Management System can provide this documentation.

© MMXVII BVS, INC.

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