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"Tackling new projects takes a lot of time and effort. But with cbanc, this is a solution that gives me real work savings. Using the cbanc Network doesn't take up my time, it gives me my time back."

Rich Moldenhauer
Flagship Bank Minnesota

 

The Exchange

Why reinvent the wheel? With cbanc you won't need to. Members have lots to share. Simply access work already created - and used with success - by your peers across the country. Many items are board-approved and regulator-tested.

Below, you can see the work cbanc members are exchanging with each other on a live, real time basis. Policies. Procedures. Training materials. Best Practices. Agreements. There's plenty more. All in the Exchange. As a member, you'll get to see previews and member reviews before you decide what to buy. You'll save time, eliminate needless work, get excellent materials and it won't even cost you cash - you'll be buying with cbanc Points instead.

Recent activity

Apr 24

14 purchases

Sample commercial RDC customer annual site inspection form

We conduct an annual site inspection of all commercial RDC customers, and the customer completes this form.

Member with $ between $500m - $1b million in assets
Located in the Midwest

50 points

New employee orientation compliance training check list

New employee orientation compliance training check list.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Enterprise Level Risk Assessment

The Enterprise Level Risk assessment takes risk factors and allows you to rate them high medium or low. This auto generates an inherent risk value that is weighted based on the severity of the risk. From there we can mitigate the risk with controls. I like what I have done with this but would love to know if anyone has made any improvements to it. Just note it in the comments if you think it needs something. I have tried to sanitize the document yet leave some of our data in there to try and help stimulate ideas. I know when we started doing our ERA, we just didn't know where to start. We will be audited next month, so hopefully the regulators like it.

Member with $ between $250m - $500m million in assets
Located in the Southeast

300 points

Appraisal Review - Commercial

This is a comprehensive Commercial Real Estate Appraisal Review that we have used for a couple years now and it has received a thumbs up from examiners.

Member with $ under $250m million in assets
Located in the Southeast

150 points

New employee orientation compliance training check list

New employee orientation compliance training check list.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

SBA Procedures

This is a quick guide to assist smaller SBA lenders in staying in compliance with what documents are required by SBA for both 7(a) and Express loans.

Member with $ between $500m - $1b million in assets
Located in the Southwest

50 points

SBA LOAN POLICY

This is a 12 pages document sample of a good start on an SBA procedure. Policy and Philosophy for SBA Lending at Bank Name Bank Name is a GP Loan Participant lender authorized to make loans under the guarantee programs of the Small Business Administration (SBA). In all its lending the Bank has a responsibility to its depositors and shareholders.

Member with $ under $250m million in assets
Located in the West

50 points

Remote Deposit Capture Policy

Three page policy and approval form for Remote Deposit Capture

Member with $ under $250m million in assets
Located in the West

250 points

Community Reinvestment Act Audit Program

Audit work program for CRA used in consulting practice.

Member with $ between $500m - $1b million in assets
Located in the Southeast

200 points

Compliance Program

Attached is a generic Compliance Program that we use. It will need to be customized to fit your institution.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

CATO Policy

This is a CATO (Corporate Account Takoever) Policy

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Participation Recap Sheet

This is a one page sheet that we put in all our particiated loan files. It provides an overview of information such as whether the loan was a participation bought or sold, the current appraised value, the property type, the participation percentage, the name and contact information for the participating bank, etc. Auditors and examiners have both commented that they found it to be useful because you don't have to go digging through the loan file for any of this information (often these files are very voluminous).

Member with $ under $250m million in assets
Located in the Southeast

50 points

Lockbox Policy

Policy excerpt: [INSERT YOUR BANK NAME] adheres to strict guidelines for accepting and approving only [INSERT YOUR BANK NAME] Business Customers for the Lockbox service. All depositing accounts listed on the Lockbox Service Application must be in good standing with the Bank and the Owner(s)/Officer(s) must be listed as signers on each depositing account. Business Customers must complete the Lockbox Service Application Package prior to being set up under the Lockbox service.

Member with $ between $250m - $500m million in assets
Located in the West

150 points

Pre-Funding Real Estate Loan Checklist

The listing is in excel format and easy to "click" and fill. I helped create this spreadsheet for our pre-closing of FNMA loans. It covers: 1003, Credit, Income, Employment, ratios, Assets, Funds to Close, Reserves - if required by program or DU, Appraisal, Title, Purchase Contract, LDP/GSA, Conditions, Mortgage Insurance and Hazard & Flood Insurance. It is 80 lines in all.

Member with $ between $250m - $500m million in assets
Located in the Midwest

200 points

Apr 23

68 purchases

Corporate Account Takeover (CATO) FFIEC Customer Awareness and Education Script for On-Site Visits

In order to comply best with Texas Department of Banking Supervisory Memorandum - 1029, "Standards for the Risk Management of Corporate Account Takeovers" and with the FFIEC Supplement addressing customer awareness and education, I have developed a script that addresses: Warning Signs of Potentially Compromised Computer System, Best Practices for Safe Business Online Banking, and What To Do If You Are a Victim of Corporate Account Takeover (CATO). My bank has decided to conduct personal on-site visits with its corporate customers. This script will be used by the business development officers that will be making the on-site visits with business banking clients. It can be left with the corporate customer, or one could add an acknowledgement line and have your corporate Admins sign it and the bank could retain it as proof of the bank's efforts regarding CATO and FFIEC customer awareness and education training. Keep in mind that as the threat environment changes, this document may need

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Corporate Account Takeover Risk Assessment

The Texas Department of Banking (DOB) issued Supervisory Memorandum 1029: Standards for the Risk Management of Corporate Account Takeovers. The Memorandum, along with extensive “Best Practices”, provides banks with a roadmap and tools to counter the increasing occurrence of this type of cybercrime. This material was developed by a Task Force comprised of representatives from the DOB, U.S. Secret Service, and the banking industry. Additional information regarding the Task Force, process and related resources are available online.

Member with $ between $250m - $500m million in assets
Located in the Southwest

FREE

Mobile Device Policy and FAQ

These 2 documents serve as our internal mobile device policy and FAQ.

Member with $ between $500m - $1b million in assets
Located in the Southeast

200 points

Mobile Device Policy

This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

Interbank Liability Policy

This Interbank Liability Policy will address your Interbank risk tolerance with Correspondent Banks

Member with $ under $250m million in assets
Located in the Midwest

50 points

Fair Lending Training for Board

This PowerPoint fair lending Board of Directors presentation discusses unfair lending examples, fair lending laws, prohibited basis, discriminatory practices, consequences of noncompliance and fair lending cases.

Member with $ under $250m million in assets
Located in the Southeast

200 points

E-Banking/Internet Banking Policy

Policy used for E-Banking/Internet Banking. We currently are a FirstData/FundsXpress customer.

Member with $ between $500m - $1b million in assets
Located in the Southwest

150 points

Mobile Device Authorization Form

This mobile device authorization form is used in conjunction with our mobile device policy and allows for BYOD.

Member with $ between $500m - $1b million in assets
Located in the Midwest

50 points

Online Banking Policy

This policy was created by the Online Banking Coordinator, IT Director, and Compliance Officer. This policy is reviewed annually by the Risk Committee, and the Board of Directors.

Member with $ between $500m - $1b million in assets
Located in the Midwest

400 points

Teller Cash Procedures

I have attached the table of contents covering the teller cash procedures that may be of interest to you.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Information Security Risk Assessment

This Information Security Risk Assessment is an Excel document that includes separate worksheets for the different departments and divisions of the bank for individual risks with the first worksheet being a consolidated risk assessment. The consolidated risk assessment is used in conjuction with our Consumer Information Privacy Policy and Program that is also available for purchase through CBANC.

Member with $ between $250m - $500m million in assets
Located in the Southeast

500 points

Dormant Account Policy

Dormant Accounts Policy that has passed regulatory scrutiny and is easy to follow and audit.

Member with $ between $250m - $500m million in assets
Located in the Midwest

150 points

ACH Origination Activity Annual Board Reporting

Simple Excel worksheet used to report ACH origination activity to the board annually. The ACH activity is broken down by customer and shows unauthorized rate of returns, ACH origination items, ACH origination dollar amount, as well as the customer's ACH debit and credit exposure limits before and after the annual review. This ACH origination activity report along with my full annual ACH board report (not included with this cbanc document) were reviewed by our IT Examiner in 2011 with no exceptions noted.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Information Security Risk Assessment Methodology

To help classify and quantify the risks facing financial institutions, certain measures must be developed to help stratify and prioritize where efforts should be focused to maximize efficiency and minimize risk. Most of these values cannot be derived through empirical observation or quantified objectively, but rely principally upon individual judgments and subjective estimates. This methodology has been reviewed by FDIC,state and internal examiners with no criticisms.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Internet Banking Policy

This policy will help anyone just getting into the Online Banking.

Member with $ between $250m - $500m million in assets
Located in the Southeast

500 points

Deposit Decay Rates

This is a spreadsheet I developed to measure deposit decay rates and liability sensitivity of non-maturity deposits.

Member with $ under $250m million in assets
Located in the West

400 points

Loan pricing exception form

Simple loan pricing exception form

Member with $ under $250m million in assets
Located in the Midwest

50 points

Fair Lending Power Point

I used this powerpoint and follow-up quiz for Fair Lending training. We are a community bank (asset size $350 million). Entire session took not more than 30 minutes to do.

Member with $ between $250m - $500m million in assets
Located in the Northeast

150 points

Capital Plan Policy

Basic capital policy which includes trigger points and action items under each trigger point - board approved.

Member with $ under $250m million in assets
Located in the Midwest

500 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Regulation CC Policy

This is a Board approved Regulation CC - Expedited Funds Availability Act policy that is brief and contains the Purpose and Policy Statements for each of the areas the Bank will comply with under this regulation. It includes reference to the next day availability amount being revised from $100 to $200.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Remote Deposit Capture Policy

Topics include: Statement of Purpose, Statement of Benefits, Risk Assessment, Customer Agreement for Merchant Deposit Capture, Underwriting Guidelines and Exposure Limits for MDC, Business Continuity, Procedures and Training Program.

Member with $ between $250m - $500m million in assets
Located in the Southeast

150 points

OFAC Risk Assessment

This is an OFAC risk assessment that contains a narrative of our Bank's OFAC procedures and risk assessment that can be customized. The second part of the risk assessment contains a matrix with 13 different areas of risk that can be rated High, Mod, or Low and an overall rating assigned.

Member with $ under $250m million in assets
Located in the Southeast

200 points

Commercial Cash Management Policy

Policy covers ACH, Remote Deposit for commercial, Merchant Processing. Addressed the Risk Mangment from a credit perspective and operational perspective.

Member with $ over $1b million in assets
Located in the Midwest

300 points

Mobile Banking Agreement

This is our Mobile Banking Agreement. We generally provide it along with an E-Sign Agreement.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

Mobile Deposit Agreement

This is a 7 page document that was created by the collaboration of many people. This explains the agreement between your mobile user and your institution. Please also see Mobile Banking Agreement. It is recommended to have an attorney review the document to ensure state laws are met.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Purchasing Policy

This is a general policy written for guidance on purchasing and payment for goods. We have not been asked to provide this puchasing policy or an accounts payable policy during exams, other than under the category of "all policies", so I can't speak to the acceptance by examiners. But, if you want a very basic policy to build upon, this is it.

Member with $ under $250m million in assets
Located in the Midwest

50 points

CEO/President Job Description

Basic job description for a small community bank.

Member with $ under $250m million in assets
Located in the Southwest

50 points

Enterprise Compliance Risk Assessment

This risk assessment addresses key laws and regulations across business lines. It can provide a high quality snapshot of compliance risks for your Compliance Team and BOD. Instructions and risk rating criteria are included. * Updated 10/14/11 to correct UDAAP typo.

Member with $ between $250m - $500m million in assets
Located in the Southwest

300 points

Check Cashing Porcedure

The Check Cashing procedure was written by an AVP who has 23 years in operations experience.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Contingency Funding Plan

Our CFP has been in place since 2009 and has been reviewed by both State and Federal Reserve examiners several times.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

Sample commercial RDC customer annual site inspection form

We conduct an annual site inspection of all commercial RDC customers, and the customer completes this form.

Member with $ between $500m - $1b million in assets
Located in the Midwest

50 points

Flood Insurance Policy

This Flood Insurance Policy sets forth procedures that were requested by examiners on a recent exam at our bank.

Member with $ under $250m million in assets
Located in the Southeast

100 points

ACH Annual Originator Review Procedures and form

This document outlines procedures for conducting the required annual review for all ACH Originators including the form.

Member with $ under $250m million in assets
Located in the West

100 points

Sample commercial RDC customer annual site inspection form

We conduct an annual site inspection of all commercial RDC customers, and the customer completes this form.

Member with $ between $500m - $1b million in assets
Located in the Midwest

50 points

Social Media Policy.rtf

Social Media Policy for a bank that does not use social media. This is same as before, I just changed it to a rich text format, some were having issues opening the file.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Overall Risk Assessment worksheet

The is an Overall Risk Assessment in excel with tabs for Relative Risk worksheet, Prior Audits, which rolls upinto the Overall Risk & Audit Assessment. A separate worksheet include Risks by Risk Level and Functional Area. This was used to assess the Overall Bankwide risks for determining internal audit and self assessment needs. The Risk Management Policy can accompany this document.

Member with $ under $250m million in assets
Located in the West

500 points

Safekeeping procedures

These are to-the-point procedures for handling safekeeping for customers.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Loan pricing exception form

Simple loan pricing exception form

Member with $ under $250m million in assets
Located in the Midwest

50 points

Appraisal Policy-Dodd-Frank Act

This Appraisal Policy is 8 pages long, and I created this after the Dodd-Frank Act changes came about. Our regulators have reviewed this as well as internal auditors. It's very comprehensive, and I believe you will find it most useful.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

Reg D Procedures

Reg D Procedures to monitor excess transactions including customer violation letters. Removed references to NOW account eligibility.

Member with $ under $250m million in assets
Located in the West

200 points

Regulation D

The purpose of this Federal Regulation is to regulate the level of reserves a Financial Institution must maintain. In order to do so, Reg. D makes a distinction between savings accounts and transaction accounts. Reg. D imposes no transaction limits on transaction accounts, but does impose limits on savings type accounts.

Member with $ over $1b million in assets
Located in the Northeast

50 points

Affiliate Transaction Policy - Reg. W

Affiliate Transaction Policy POLICY STATEMENT It is the policy of (Bank) to ensure proper adherence to the provisions and intent of Regulation W -"Transactions between Member Banks and their Affiliates. The policy outlines the applicable provisions of Reg W as well as its restrictions. The Board of Directors approves this policy and reviews it on an annual basis. Senior management is responsible for ensuring the policy is implemented and administered. Requests for exceptions to the policy should be submitted to the CEO and must be approved by the Board of Directors.

Member with $ under $250m million in assets
Located in the Midwest

200 points

Compliance Management System Board Report

This is a sample quarterly report to the board on the bank's Compliance Management System. It includes all required components of the CMS, including complaints, and a section for regulatory information for the board. It also notates where items such as audits or training is reported to the board through the audit committee.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Worthless Asset Procedure

Procedure for determining worthless asset/filing 1099-C

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

Enterprise Level Risk Assessment

The Enterprise Level Risk assessment takes risk factors and allows you to rate them high medium or low. This auto generates an inherent risk value that is weighted based on the severity of the risk. From there we can mitigate the risk with controls. I like what I have done with this but would love to know if anyone has made any improvements to it. Just note it in the comments if you think it needs something. I have tried to sanitize the document yet leave some of our data in there to try and help stimulate ideas. I know when we started doing our ERA, we just didn't know where to start. We will be audited next month, so hopefully the regulators like it.

Member with $ between $250m - $500m million in assets
Located in the Southeast

300 points

New employee orientation compliance training check list

New employee orientation compliance training check list.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Adverse action review worksheet

Used to audit adverse action.

Member with $ under $250m million in assets
Located in the Midwest

100 points

E-Sign Disclosure

We use this E-Sign Authorization to deliver loan disclosures to customers electronically.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Mortgage Quality Control Plan

The GSE's require a Quality Control Program to be in place for entities that sell mortgages in to the secondary market. This is a QC Plan Document that has recently (Q1 2014) been provided to both FNMA and RD and it met their requirements. This is the plan document only, and it sufficiently outlines the areas that must be incuded in the QC Review.

Member with $ under $250m million in assets
Located in the Midwest

250 points

New employee orientation compliance training check list

New employee orientation compliance training check list.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Mortgage Quality Control Plan

The GSE's require a Quality Control Program to be in place for entities that sell mortgages in to the secondary market. This is a QC Plan Document that has recently (Q1 2014) been provided to both FNMA and RD and it met their requirements. This is the plan document only, and it sufficiently outlines the areas that must be incuded in the QC Review.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Bank Risk Assessment

This assessment has passed two internal audits and one OCC audit. It covers banks risk assessment for Size, Geography, customer base, products and services, operations and also includes an OFAC Risk Assessment and and Executive Summary. Items that need to be changed to customize it to your institution is in red, so there's no guess work about what needs your data.

Member with $ under $250m million in assets
Located in the Southeast

300 points

Reg CC Hold Flow Chart

This is a pretty simple flow chart for placing new account and exception holds. It also includes a link to a hold calculator. No more thinking or counting days on a calendar. If you have had any Reg CC violations, this will ensure your staff are placing holds correctly. Updated 09.2011.

Member with $ under $250m million in assets
Located in the West

50 points

CFPB ATR QM Rule Small Entity Compliance Guide

Posted by the CFPB, this is a Compliance Guide on the Ability to Repay and Qualified Mortgage rules.

Member with $ under $250m million in assets
Located in the Northeast

FREE

Fair Lending Risk Assessment

This Fair Lending Risk Assessment identifies many key areas of FL Risk and rates them based on a number of key regulatory factors (Overt, Redlining, Underwriting, Steering, etc.). This Risk Assessment was recently reviewed by the FDIC during a compliance exam and no issues were noted. Bank-Specific policy and procedure has been removed from this template for you to add in your own information.

Member with $ under $250m million in assets
Located in the Midwest

250 points

New employee orientation compliance training check list

New employee orientation compliance training check list.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

New employee orientation compliance training check list

New employee orientation compliance training check list.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Opening New Branch Task Plan Matrix

Matrix includes 12 categories of items to be dealt with, and each category is broken down into individual parts. I General Assumptions II Real Estate Services III Telecommunication IV PC Support V Human Resources VI Branch Management, Retail Six other categories to provide complete coverage of getting a new branch opened on schedule.

Member with $ between $500m - $1b million in assets
Located in the Southwest

200 points

Reg D Excessive Transaction Monitoring

An Excel Workbook used to track Reg D excessive transactions and note type of action taken.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Foreclosure checklist

This is a one page checklist that identifies what is needed to get a foreclosure action started in terms of documents needed for the attorney and the action steps that the attorney takes to help identify where you are in the foreclosure process.

Member with $ between $250m - $500m million in assets
Located in the Northeast

200 points

RDC Annual Review Checklist

Checklist to be completed by calling officer reviewing RDC customer annually. Includes basic customer profile questions and a section on customer infrastructure, check storage and transportation. Has been used for 3 years with no audit or exam improvements recommended. We have a small RDC customer base.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Sample Social Media Policy

Here is a sample policy for social media usage. It's brevity is purposeful as you want to be able to enable but still adhere to certain guidelines organizationally. Looking a social media assessment? Look over in the consultant listings where we are also offering a small number of assessments to help you get started.

3rd Party Content

200 points

Mortgage Compliance Checklist

Check list for pre and post closing documents

Member with $ under $250m million in assets
Located in the Midwest

100 points

Mtg QC Post Closing Worksheet

We use this worksheet to complete a post closing review. It is self-calculating and easy to use. It could also be used for pre-closing, however, we do have a separate one for that. This has been submitted to both FHA and RHS as part of mortgage QC program.

Member with $ under $250m million in assets
Located in the Midwest

100 points

RDC - Customer Site Visit Checklist

Checklist for onsite RDC customer site visit

3rd Party Content

200 points

Internet Banking Risk Assessment

I took my IT risk assessment and converted it to work with an Internet banking risk assessment. I have formulas in there so it will calculate the risk valus and raiting along with the mitigation. Let me know if you have any suggestions.

Member with $ between $250m - $500m million in assets
Located in the Southeast

150 points

Robbery Procedures and Techniques

The purpose of this procedure is to cover how the bank will handle robbery safety concerns, lobby robberies, drive-thru robberies, robberies at opening and closing times, and robbery techniques. This is board approved.

Member with $ under $250m million in assets
Located in the Midwest

175 points

Apr 22

85 purchases

Fair Lending Training for Board

This PowerPoint fair lending Board of Directors presentation discusses unfair lending examples, fair lending laws, prohibited basis, discriminatory practices, consequences of noncompliance and fair lending cases.

Member with $ under $250m million in assets
Located in the Southeast

200 points

Sample commercial RDC customer annual site inspection form

We conduct an annual site inspection of all commercial RDC customers, and the customer completes this form.

Member with $ between $500m - $1b million in assets
Located in the Midwest

50 points

HMDA Data Collection & Verification Form

After having to resubmit our HMDA data, the examiners “suggested” that we set up a verification process where a second person would check the HMDA data. We created this form for both parties to collect and cross check the HMDA data. The form can be filled out on a computer or printed and filled out manually. The form is long at 4 pages, but could be condensed if smaller font and row height were used.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Internet Banking Policy

This policy will help anyone just getting into the Online Banking.

Member with $ between $250m - $500m million in assets
Located in the Southeast

500 points

BSA AML TRaining for Board

25-page overview of BSA/AML Program requirements for Board-level presentation. Used to satisfy annual BSA training requirement without going into specific procedural details. developed in concert with a peer at a regional savings bank.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

Flood Insurance Procedures

This document is a straight-forward list of procedures for flood insurance expectations on new loans, monitoring coverage and force placement.

Member with $ over $1b million in assets
Located in the Midwest

100 points

Regulation E - Procedures

Regulation E – Procedures for our bank including sample letters for error resolution. This goes along with the Reg E Error Resolution Log and Reg E Policy previously uploaded.

Member with $ under $250m million in assets
Located in the Southeast

400 points

Compliance Management System Report

Compliance Management System Report template used to provide a monthly status report to the AC and Board of the Compliance Department activities.

Member with $ under $250m million in assets
Located in the West

100 points

New employee orientation compliance training check list

New employee orientation compliance training check list.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

ISO Job Description

Information Security Officer job description outlining the roll and responsiblity of the position.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Branch Audit Program with ICQ

Branch Audit Program with ICQ and Branch Manager Control Review Worksheet. Program has been complimented by both FDIC and External Auditors.

Member with $ under $250m million in assets
Located in the Southeast

200 points

RDC Annual On-site Inspection checklist

Annual on-site inspection for Remote Deposit Capture

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

Advertising Compliance Policy

Since advertising is spread over so many regulations, this Advertising Compliance Policy can be approved by your Board with only one policy rather than several. It references all the advertising laws and regulations and also includes the CAN-SPAM, UDAP, Telephone Consumer Protection Act, and Junk Fax Prevention Act. The policy as a Purpose, Policy Statement, Description of Advertising Laws, Compliance Responsibility, and Audits/Training sections.

Member with $ under $250m million in assets
Located in the Southeast

200 points

EFT Dispute Resolution

This is a sample procedure describing the steps to take when handling customer EFT disputes including timing and a sample EFT error resolution form.

Member with $ between $250m - $500m million in assets
Located in the West

100 points

BSA Customer Risk Rating

Process to risk rate all customers at the time they open accounts or have a lending relationship with bank. Examiners like the automated process of risk rating every customer in our bank.

Member with $ under $250m million in assets
Located in the Midwest

350 points

GLBA-Annual Report to the Board of Directors

This document satisifies the GLBA required annual report to the board. Is simple, but includes all of the required notifications. Is well-received by auditors and FDIC examiners. Bank size is 0-$250M

Member with $ under $250m million in assets
Located in the Midwest

100 points

New employee orientation compliance training check list

New employee orientation compliance training check list.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Construction Loan Inspection Form

Our Chief Lender created this construction loan form to assist loan officer in administration of a construction loan for 1-4 Family Loans.

Member with $ under $250m million in assets
Located in the Midwest

250 points

UDAAP Policy

This UDAAP policy is 5 pages long. This document is the result of several policy templates that I reviewed and merged together. It is not in any way restricted to future users. This document has not been reviewed nor approved by any legal personnel.

Member with $ under $250m million in assets
Located in the Southeast

200 points

Flood Coverage Worksheet - Interactive

This Flood Coverage Worksheet can be used to determine the required amount of flood insurance, both at the time of origination and throughout the servicing of the loan. It is an interative spreadsheet - fill in the yellow fields with your loan information, and the blue fields automatically calculate. The spreadsheet compares the lesser of the loan amount/replacement cost and the maximum allowable insurance. It also allows up to 4 residential / commercial buildings. It will then tell you if insurance is adequate based on the comparison. A short reminder checklist at the bottom is included to document the expiration date, zone codes, document retention, etc. This has helped our servicing staff and has been put through several compliance audits and an OTS and OCC examination.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

Compliance Audit Schedule

This is an audit schedule created to present to Audit Committee for the year. I based schedule on FDIC Compliance Exam Manual.

Member with $ under $250m million in assets
Located in the Southeast

200 points

Compliance Management System Board Report

This is a sample quarterly report to the board on the bank's Compliance Management System. It includes all required components of the CMS, including complaints, and a section for regulatory information for the board. It also notates where items such as audits or training is reported to the board through the audit committee.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Security Report Template

This report will help you know what needs to be included in your yearly security report to the board. This report has received a satisfactory feedback from auditors with no exceptions.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Fair Lending Risk Assessment

Two tabs to the file- Fair Lending Risk Assessment and Fair Lending Review

Member with $ under $250m million in assets
Located in the Midwest

250 points

RDC Annual Review Checklist

Checklist to be completed by calling officer reviewing RDC customer annually. Includes basic customer profile questions and a section on customer infrastructure, check storage and transportation. Has been used for 3 years with no audit or exam improvements recommended. We have a small RDC customer base.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

New employee orientation compliance training check list

New employee orientation compliance training check list.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

New employee orientation compliance training check list

New employee orientation compliance training check list.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Monthly Liquidity Management Reports

Report Package distributed to board of directors monthly to review current liquidity levels of institution.

Member with $ under $250m million in assets
Located in the Midwest

500 points

Mobile Device Policy for BYOD

This mobile device policy was drafted to allow for BYOD within our organization.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

Remote Deposit Capture Policy

Topics include: Statement of Purpose, Statement of Benefits, Risk Assessment, Customer Agreement for Merchant Deposit Capture, Underwriting Guidelines and Exposure Limits for MDC, Business Continuity, Procedures and Training Program.

Member with $ between $250m - $500m million in assets
Located in the Southeast

150 points

Remote Deposit Capture P&P

Template Policy and Procedure for Remote Deposit Capture. Instructs you where to customize for your bank.

3rd Party Content

200 points

Fair Lending Risk Assessment

This Fair Lending Risk Assessment identifies many key areas of FL Risk and rates them based on a number of key regulatory factors (Overt, Redlining, Underwriting, Steering, etc.). This Risk Assessment was recently reviewed by the FDIC during a compliance exam and no issues were noted. Bank-Specific policy and procedure has been removed from this template for you to add in your own information.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Business Tax Analysis

This Business Tax Analysis is easy to use and understand

Member with $ under $250m million in assets
Located in the Midwest

50 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

BSA/AML Risk Assessment

BSA/AML RISK ASSESSMENT -- includes OFAC risk assessment as well. This was taken from 3 or 4 samples and put into one complete assessment.

Member with $ under $250m million in assets
Located in the Southwest

250 points

RDC Annual Review Checklist

Checklist to be completed by calling officer reviewing RDC customer annually. Includes basic customer profile questions and a section on customer infrastructure, check storage and transportation. Has been used for 3 years with no audit or exam improvements recommended. We have a small RDC customer base.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

RDC Annual On-site Inspection checklist

Annual on-site inspection for Remote Deposit Capture

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

Telephone/fax/email wire transfer request form

Autorization form for Telephone/fax/email or Internet wire transfer requests.

Member with $ under $250m million in assets
Located in the West

150 points

RDC Annual Review Checklist

Checklist to be completed by calling officer reviewing RDC customer annually. Includes basic customer profile questions and a section on customer infrastructure, check storage and transportation. Has been used for 3 years with no audit or exam improvements recommended. We have a small RDC customer base.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Wire transfer Policy

“ABC” Bank offers our customers Wire Transfer both as a product and as a service. We also realize the inherent risk associated with such a service offering and have addressed the appropriate controls necessary to mitigate these risks. Strictly followed policy and procedures throughout the process will better insure a positive result for all parties involved.

Member with $ between $500m - $1b million in assets
Located in the Midwest

250 points

Mobile Device Policy

This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

RDC Annual On-site Inspection checklist

Annual on-site inspection for Remote Deposit Capture

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

RDC Annual Review Checklist

Checklist to be completed by calling officer reviewing RDC customer annually. Includes basic customer profile questions and a section on customer infrastructure, check storage and transportation. Has been used for 3 years with no audit or exam improvements recommended. We have a small RDC customer base.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Unfair, Deceptive, and Abusive Acts and Practices (UDAAP) Policies and Proedures

Unfair, Deceptive, and Abusive Acts and Practices (UDAAP) Policies and Procedures.

Member with $ under $250m million in assets
Located in the Midwest

100 points

UDAAP Policy- Reviewed by Examiners

This UDAAP Policy is 5 pages long and it was reviewed in our most recent regulatory compliance exam. There were a few minor recommendations made during the exam which have been incorporated into this policy.

Member with $ under $250m million in assets
Located in the West

200 points

ACH Risk Assessment

This comprehensive ACH Risk Assessment identifies over 50 specific risk factors and includes areas where process and procedure can be defined to ensure the risk is mitigated. Developed by an in-house AAP, this RA has been through a NACHA Rules Audit and FDIC IT exam with no issues identified. Bank-specific information has been removed, so this is a template that can be updated with your own internal policies and procedures.

Member with $ under $250m million in assets
Located in the Midwest

500 points

RDC Annual On-site Inspection checklist

Annual on-site inspection for Remote Deposit Capture

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

W8 BEN Solicitation Form Letter

This form letter may be sent to customers when their W8-BEN forms are approaching expiration. (See related "Non Resident Alien - W8 Issues" procedure, a separate document discussing how to properly obtain and monitor these forms)

Member with $ under $250m million in assets
Located in the Midwest

50 points

Appraisal Evaluation

Simple two page Real Estate Evaluation for lower price homes.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Fair Lending Risk Matrix

This is a three page assessment identifying basic Fair Lending parameters, with low, medium, high indicators. First two pages are the matrix. Third page is a summary of the matrix. For use by small banks. OCC approved.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Fair Lending Risk Assessment

This Fair Lending Risk Assessment identifies many key areas of FL Risk and rates them based on a number of key regulatory factors (Overt, Redlining, Underwriting, Steering, etc.). This Risk Assessment was recently reviewed by the FDIC during a compliance exam and no issues were noted. Bank-Specific policy and procedure has been removed from this template for you to add in your own information.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Internal Audit Policy

Disigned using the following resources: National Association of Federal Credit Unions - NAFCU's Internal Auditing Manual for Credit Unions Association of Credit Union Internal Auditors – ACUIA AUDIT GUIDE NCUA Exam Guide Supervisory Committee Guide

Member with $ under $250m million in assets
Located in the Midwest

250 points

RDC Annual Review Checklist

Checklist to be completed by calling officer reviewing RDC customer annually. Includes basic customer profile questions and a section on customer infrastructure, check storage and transportation. Has been used for 3 years with no audit or exam improvements recommended. We have a small RDC customer base.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Fee Spreadsheet

Spreadsheet listing fees and HUD-1 lines and RESPA Blocks. Reposted from Bankers Online website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

RDC Annual Review Checklist

Checklist to be completed by calling officer reviewing RDC customer annually. Includes basic customer profile questions and a section on customer infrastructure, check storage and transportation. Has been used for 3 years with no audit or exam improvements recommended. We have a small RDC customer base.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

FDIC Compliance Management Program

I downloaded this from the FDIC website. If the document doesn't work, you can find the manual there. UPDATE: It seems some people were having trouble downloading this file due to its size. I have replaced the document with a zipped file of the same manual. If you have trouble downloading it, please contact the Cbanc support team. They can send it to you directly.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Monthly Liquidity Management Reports

Report Package distributed to board of directors monthly to review current liquidity levels of institution.

Member with $ under $250m million in assets
Located in the Midwest

500 points

Non Resident Alien Accounts - W8 Issues

This procedure describes processes in place to ensure initial and ongoing documentation compliance for non-resident alien customers, specifically the need to obtain form W8-BEN and maintain a current copy in the file. (The procedure, written for a bank with FiServ (Navigator) and ProSuite (Deposit Pro) products, can be easilly modified to include specific file maintenance steps for your core system and forms vendors.) See also W8 Solicitaion Letter, a separate form letter used to solicit new W8's as they approach expiration.

Member with $ under $250m million in assets
Located in the Midwest

300 points

Disaster Recovery and Contingency Plan

This Disaster Recovery Plan is 29 pages long. It was written by our Information Technology officer with over 30 years experience in the banking industry. The plan has been reviewed by both our auditors and the FDIC examiners.

Member with $ under $250m million in assets
Located in the Southwest

400 points

Regulation B Appraisal Rule Procedures

The Regulation B appraisal procedures, in the form of a Compliance Advisory that our Bank utilizes internally, describes the following: Purpose, Effective Date, Applicability, Definitions, Regulation B Appraisal Requirements, Internal Procedures (that should be customized for your bank), Appraisals for HPML Loans, and an Appraisal Delivery Acknowledgment form used.

Member with $ under $250m million in assets
Located in the Southeast

250 points

Appraisal Evaluation

Simple two page Real Estate Evaluation for lower price homes.

Member with $ under $250m million in assets
Located in the Southeast

50 points

RDC Annual Review Checklist

Checklist to be completed by calling officer reviewing RDC customer annually. Includes basic customer profile questions and a section on customer infrastructure, check storage and transportation. Has been used for 3 years with no audit or exam improvements recommended. We have a small RDC customer base.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

RDC Annual Review Checklist

Checklist to be completed by calling officer reviewing RDC customer annually. Includes basic customer profile questions and a section on customer infrastructure, check storage and transportation. Has been used for 3 years with no audit or exam improvements recommended. We have a small RDC customer base.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Worthless Asset Procedure

Procedure for determining worthless asset/filing 1099-C

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

Business Expense Policy

This policy is provided to all our employees and it sets our policy for reimbursement of business expenses as well the utilization of corporate credit cards (for those employees that have one).

Member with $ under $250m million in assets
Located in the Southwest

375 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

New Vendor Set up and Risk Assessment

This form is used by Managers that will be acquiring new Vendors or Third Party Providers to Risk Assess and assist in the due dilegence process. This uses a weighted scale for Due Diligence Required and provides space for notes. This document has been reviewed by both Auditors and Examiners and received praise.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Electronic Device Policy

Bank policy on electronic devices, personal calls and mail

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

SAFE Act Audit

This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Outline of Wire Call Back Procedures

Complete review of Wire Call Back Procedures

Member with $ over $1b million in assets
Located in the Southeast

50 points

RDC Annual On-site Inspection checklist

Annual on-site inspection for Remote Deposit Capture

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

W8 BEN Solicitation Form Letter

This form letter may be sent to customers when their W8-BEN forms are approaching expiration. (See related "Non Resident Alien - W8 Issues" procedure, a separate document discussing how to properly obtain and monitor these forms)

Member with $ under $250m million in assets
Located in the Midwest

50 points

RDC Annual On-site Inspection checklist

Annual on-site inspection for Remote Deposit Capture

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

ATR Checklist w/bonus Small Creditor Checklist

This is an excel spreadsheet with tab for ATR checklist that can be printed and put into your loan files for compliance. It does cover all 8 points so you don't have to worry. There is also a tab for Small Creditor QM checklist, again for proof of compliance. No fields are blocked so you can modify to fit your needs.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Annual Security Board report

Annual Security Board Report suggestions

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Monthly Branch Security Checklist

Monthly branch checklist for security. Here is an example of a question: 12. Was exterior lighting observed after dark at least twice during the month? Any malfunctioning lights should be reported to Facilities.Date of observation: _________________________Observer: _________________________________Date of observation: ________________________Observer: ________________________________

Member with $ between $500m - $1b million in assets
Located in the Midwest

250 points

Business Continuity Testing scenarios and report template

I conduct a branch or department testing at least once a month. It is a challange to present scenarios that are plausible so that the employees will truly get engaged. I have compiled a simple outline of 6 scenarios that you could use to train/test your employees. Training consists of outlining scenario and then determining how the employees would handle the situation. Proper documentation after the training has made this favorable for audit purposes.

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Sample Mobile Banking Risk and Control Assessment

The purpose of this risk assessment is to analyze potential risks arising from the new mobile banking services to enable and evidence final approval of the offering by Management and the Board of Directors.

Member with $ between $500m - $1b million in assets
Located in the West

600 points

Dormant Account Letter

Dormant Account letter

Member with $ under $250m million in assets
Located in the Southwest

50 points

Ability to Repay and QM worksheets

Worksheets for ATR and QM

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Remote Deposit Capture (RDC) Membership Agreement

Remote Deposit Capture (RDC) Membership Agreement

Member with $ between $250m - $500m million in assets
Located in the Southeast

250 points

Disaster Recovery and Contingency Plan

We are a small bank with not many sophisticated products or procedures. It is written to be followed by non technical people and fits the practices we have in place at the bank. we have a separate document for who is in charge of each branch or department because staff changes and we don't want to have to re-approve the plan each time staffing moves around. The Team Member list serves as an easy contact in emergency list to since it contains just addresses, phone numbers, cell phone numbers etc. OCC just left 2 weeks ago and says it has everything in it we need.

Member with $ under $250m million in assets
Located in the West

150 points

Remote Deposit Capture Merchant Agreement which includes Best Practices

Comprehensive Remote Deposit Merchant Agreement that includes Schedule B- Leased and Rented Equipment...Schedule C- Best Practices to be used by the merchant.... Schedule D- Remote Deposit Capture Deadlines

Member with $ under $250m million in assets
Located in the Midwest

200 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Apr 21

45 purchases

Troubled Debt Restructure Policy

This policy establishes how TDRs will be properly identified and classified in accordance with generally accepted accounting principle (GAAP) and regulatory reporting requirements.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Troubled Debt Restructuring

Guidance for Troubled Debt Restructuring

Member with $ over $1b million in assets
Located in the West

500 points

Troubled Debt Restructurings Checklist

All restructured loans/loan modifications should be evaluated to determine whether they should be classified as a troubled debt restructuring (TDR). The following checklist is a mechanisms to identify, monitor, and report TDRs and should be incorporated into workout processes and procedures. TDRs should be identified as part of any restructuring requests and should be accounted for and reported properly. An easy way to monitor TDRs is to add this simple checklist to all loan modifications / approvals.

Member with $ between $250m - $500m million in assets
Located in the Midwest

300 points

Loan Workout Policy

Loan Workout Policy that incorporates guidance for workouts, classified assets and TDRs. Drafted by the Special Asset Manager. Has been reviewed by the FDIC and approved by the Bank's BOD.

Member with $ between $500m - $1b million in assets
Located in the Midwest

250 points

RDC Annual Review Checklist

Checklist to be completed by calling officer reviewing RDC customer annually. Includes basic customer profile questions and a section on customer infrastructure, check storage and transportation. Has been used for 3 years with no audit or exam improvements recommended. We have a small RDC customer base.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Flood Insurance Policy

This is a 3-page Flood Disaster Protection Act Policy that is approved annually by our Board. It covers the purpose of the regulation, includes a policy statement for areas of compliance, and also notes compliance responsibilities.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Flood Insurance Policy

This Flood Insurance Policy sets forth procedures that were requested by examiners on a recent exam at our bank.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Flood Insurance Procedures

This document is a straight-forward list of procedures for flood insurance expectations on new loans, monitoring coverage and force placement.

Member with $ over $1b million in assets
Located in the Midwest

100 points

Business Debit Card Disclosure Statement/Account Agreement

This disclosure, given to all business debit card applicants, informs the applicant of their rights and responsibilitues, including but not limited to Issuance of Card, Use of Card, Limitation on Card Use, Card Purpose, Order of Payment, POS Purchase Right to Stop Payment, Illegal Activities, Unauthorized Transfers/Loss or Theft/Errors, Liability, Limitation on Bank's Liability ATM Safety Tips and much more.

Member with $ between $250m - $500m million in assets
Located in the Northeast

150 points

DR/ BCP test Earthquake

DR Test plan with Earthquake as event. Used to conduct bank wide test of DR Plan & BCP.

Member with $ under $250m million in assets
Located in the West

150 points

ACH Annual Audit Guideline, Worksheet and Report to Board

In accordance with the NACHA Operating Rules and Guidelines, every participating depository financial institution (DFI) must annually by December 31st conduct, or have conducted, an audit of its compliance with the NACHA rules per Appendix Eight (Rule Compliance Audit Requirements). This worksheet outlines the minimum requirements of Appendix Eight and the corresponding subsections of the ACH Rules and Guidelines. It also includes an optional memo to the Board Audit Committee outlining the results of the audit. The preview is the first 4 pages of the document to give you an idea of the format.

Member with $ under $250m million in assets
Located in the West

300 points

BCP Threat Risk Assessment Matrix

This is a threat assessment of the human, natural and technical threats that could affect your institution. It rates the applicability, probability, speed of onset, forewarning, duration, impact and weighted risk of each threat. It is a part of my BCP plan and for my bank, i have one completed for EVERY branch location.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

W8 BEN Solicitation Form Letter

This form letter may be sent to customers when their W8-BEN forms are approaching expiration. (See related "Non Resident Alien - W8 Issues" procedure, a separate document discussing how to properly obtain and monitor these forms)

Member with $ under $250m million in assets
Located in the Midwest

50 points

Commercial Loan Presentation

With over 30 years commercial lending experience with several banks in and around Chicago, I have found that the following format covers most loans. It addresses all the important areas yet provides flexiblity to accommodate those loans that are not cookie cutter deals.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Sample Document Imaging Policy

The purpose of this policy is to set down guidelines and parameters for the electronic imaging of the INSTITUTION’S loan files and other documents. It is our intent to use these files as our primary source and repository for all loan documents previously kept in paper files format. Access to the files will be granted only to bank personnel, auditors, and examiners. Accesses will be granted to those presenting a properly executed subpoena for records held by the bank. Under 314.6 of the USA Patriot Act INSTITUTION (does/does not) voluntarily share information.

3rd Party Content

200 points

ALLL Policy & Methodology

This ALLL Policy & Methodology is 5 pages long. It was originally written in 2010 to enhance the current loan policy during the historical economic challenges. Our regulators utilize this document during their exams.

Member with $ under $250m million in assets
Located in the Midwest

1000 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Servicemembers Civil Relief Act (SCRA) Policy

This is a 3-page Servicemembers Civil Relief Act Board-approved policy that provides a Purpose and Policy Statement for each of the SCRA provisions the bank will comply with. It has been updated with the changes in servicemember rights for foreclosure timeframes. A separate SCRA Procedures is available for purchase.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Flood Coverage Worksheet - Interactive

This Flood Coverage Worksheet can be used to determine the required amount of flood insurance, both at the time of origination and throughout the servicing of the loan. It is an interative spreadsheet - fill in the yellow fields with your loan information, and the blue fields automatically calculate. The spreadsheet compares the lesser of the loan amount/replacement cost and the maximum allowable insurance. It also allows up to 4 residential / commercial buildings. It will then tell you if insurance is adequate based on the comparison. A short reminder checklist at the bottom is included to document the expiration date, zone codes, document retention, etc. This has helped our servicing staff and has been put through several compliance audits and an OTS and OCC examination.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

Freddie Mac Post Closing Quality Control Checklist

I developed this form based on the volume and risk profile for our bank, after reviewing Freddie Mac guidelines. This is the version I am using currently . We are a small community bank that does a lot of Freddie Mac loans. Hope you find it helpful.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Deposit Decay Rates

This is a spreadsheet I developed to measure deposit decay rates and liability sensitivity of non-maturity deposits.

Member with $ under $250m million in assets
Located in the West

400 points

Fair Lending Risk Assessment

This Fair Lending Risk Assessment identifies many key areas of FL Risk and rates them based on a number of key regulatory factors (Overt, Redlining, Underwriting, Steering, etc.). This Risk Assessment was recently reviewed by the FDIC during a compliance exam and no issues were noted. Bank-Specific policy and procedure has been removed from this template for you to add in your own information.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Commercial Loan Risk Rating Matrix

Great template to use to justify or audit commercial loan grades. Good tool for loan officers and relationship managers to use when deciding how to rate a commercial loan.

Member with $ between $250m - $500m million in assets
Located in the West

400 points

Consumer Real Estate Compliance Checklist

I often forget to check the little things. And the little things are what get us dinged. So I've made my own checklist which helps me member the little things. Hopefully it will help you too.

Member with $ under $250m million in assets
Located in the Southeast

250 points

SBA LOAN POLICY

This is a 12 pages document sample of a good start on an SBA procedure. Policy and Philosophy for SBA Lending at Bank Name Bank Name is a GP Loan Participant lender authorized to make loans under the guarantee programs of the Small Business Administration (SBA). In all its lending the Bank has a responsibility to its depositors and shareholders.

Member with $ under $250m million in assets
Located in the West

50 points

Risk Rating Matrix

Loan Risk Rating Matrix (10 point scale): Credit Components with sample target ranges (DSC, LTV, FICO, Covenants, Monitoring)set specifically for CRE, C&I, and Consumer facility types.

Member with $ under $250m million in assets
Located in the Midwest

200 points

Vendor Risk Management

Excel Spreadsheet used to rate vendors. Vendor name is listed in the left column. Four criteria are used to rank vendors. A rank of 1 through 3 is entered in the row for each criteria. The far right column calculates a risk rating (low, medium or high) based on what is entered.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Remote Deposit Risk Assessment

Remote Deposit Risk Assessment

Member with $ between $250m - $500m million in assets
Located in the West

600 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

BSA/AML Risk Assessment

BSA/AML RISK ASSESSMENT -- includes OFAC risk assessment as well. This was taken from 3 or 4 samples and put into one complete assessment.

Member with $ under $250m million in assets
Located in the Southwest

250 points

Mobile Device Policy

Mobile device policy regarding security requirements on smart phones and ipads.

Member with $ under $250m million in assets
Located in the Southwest

300 points

Mobile Device Policy

This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

Flood Insurance Coverage Form

This is a flood coverage insurance form to determine the amount of flood insurance needed for a loan secured by improved real estate in a special flood hazard area or loan secured by a mobile home located in special flood hazard area.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Wire Transfer Authorization Form

Simple Wire Transfer Authorization form. Includes verification information such as PIN number and call back number detail.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Social Media Policy.rtf

Social Media Policy for a bank that does not use social media. This is same as before, I just changed it to a rich text format, some were having issues opening the file.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Outline of Wire Call Back Procedures

Complete review of Wire Call Back Procedures

Member with $ over $1b million in assets
Located in the Southeast

50 points

Loan Escrow Account Policy

The bank will comply with all provisions of the Real Estate Settlement Procedures Act (RESPA). If an escrow is established on a RESPA covered loan, the escrow amounts shall be calculated in accordance with the requirements of the regulation, and appropriate initial and annual disclosures shall be provided to the borrower. If the institution transfers or acquires the servicing of any RESPA covered loan, the bank will make a timely, accurate servicing transfer disclosure to the borrower.

Member with $ over $1b million in assets
Located in the Northeast

50 points

Fair Debt Collections Policy

Fair Debt Collections

Member with $ under $250m million in assets
Located in the Southwest

50 points

Wire Policy (VP-Controller)

Wire policy which include authorization levels.

Member with $ between $500m - $1b million in assets
Located in the Northeast

100 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Broker-Bank Agreement

This is a generic template for a broker-bank agreement that can be adjusted to meet your needs. This could be turned into a master agreement with minor changes, if you did not want to construct one of these for every individual broker request depending on the volume of referrals. THE BIG THING is the broker will need to copy you on his/her broker fee agreement signed by the applicant which authorizes the broker to share the client's information with you.

Member with $ between $500m - $1b million in assets
Located in the Southeast

100 points

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Small Bank Stress Test

This spreadsheet takes the principals from the Stress Tests the largest banks were government mandated to undergo in 2009 and adapts it for a small community bank to take call report data and model the impact on capital if losses in loans and/or investments ramp up.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Apr 20

2 purchases

E-banking risk assessment

This is a document we compiled together as a general policy for our internet banking & mobile banking products because of our set-up. Our customers have to be internet banking users before they can be mobile banking users. It is a total length of 4 pages long in which it describes a background of the bank & desription of what all our ebanking products entail. It also includes a risk matrix of our internet & mobile banking products.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

Information Technology Policy

This Information Technology Policy is all inclusive. Please review the attached Table of Contents for a detailed listing. Appendix A includes Procedures and Parameters. Appendix B is Patch Management, Appendix C is the E-Mail and Internet Acceptable Usage Policy. Appendix D is an Incident Response Plan Scope and Purpose.

Member with $ between $250m - $500m million in assets
Located in the Southeast

500 points

Apr 19

3 purchases

Affiliate Transaction Policy - Reg. W

Affiliate Transaction Policy POLICY STATEMENT It is the policy of (Bank) to ensure proper adherence to the provisions and intent of Regulation W -"Transactions between Member Banks and their Affiliates. The policy outlines the applicable provisions of Reg W as well as its restrictions. The Board of Directors approves this policy and reviews it on an annual basis. Senior management is responsible for ensuring the policy is implemented and administered. Requests for exceptions to the policy should be submitted to the CEO and must be approved by the Board of Directors.

Member with $ under $250m million in assets
Located in the Midwest

200 points

Residential Appraisal Review Form

This appraisal review form is in checklist format with areas for comments by the reviewer.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Appraisal/Evaluation Review

We are a 50 million bank and this is what we use for both our appraisals and evaluations.

Member with $ under $250m million in assets
Located in the Southwest

25 points

Apr 18

74 purchases

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

CFPB ATR QM Rule Small Entity Compliance Guide

Posted by the CFPB, this is a Compliance Guide on the Ability to Repay and Qualified Mortgage rules.

Member with $ under $250m million in assets
Located in the Northeast

FREE

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

IT Risk Assessment Spreadsheet Template

A 3-tabbed spreadsheet currently in use for documenting an IT Risk Assessment. Items in 19 categories are described and rated according to Priority/Severity and Likelihood and a line item "Risk Rating" is automatically computed. Includes a tab with definitions and a tab with summary counts suitable for sharing with committee or board of directors. Each item has a column for Remarks and then three columns to describe the Preventative, Detective and Corrective Mitigation(s) of that line item. Categories include Physical Security, Software & Hardware Development & Acquisition, Information Security, System Security, Contingency Planning, Core Processing, ACH, ATM/Debit Card, Internet Banking, Bill Pay, Check Imaging, Document Imaging, Report Archival, Telephone Banking, Telephone System, Deposit Origination, Loan Origination, Credit Card Processing, and Wire Transfer.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Fair Credit Reporting Act and FACT Act Policy

The policy covers Fraud Alerts and Suspected ID theft. Includes responding to disputes from reporting agencies and direct disputes from customers. Also covers Notice of Negative Information and sharing with affiliates.

Member with $ over $1b million in assets
Located in the Northeast

400 points

BSA Procedure for Identifying and Monitoring High Risk Accounts

Covers Identifying, classifying and monitoring accounts for BSA risk assessments

Member with $ under $250m million in assets
Located in the Midwest

200 points

FACT Act ID Theft Red Flags Policy

FACT Act ID Theft Red Flags Procedures

Member with $ between $250m - $500m million in assets
Located in the West

1000 points

Remote Deposit Capture (RDC) Policy

Remote Deposit Capture (RDC) Policy

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

Remote Deposit Capture P&P

Template Policy and Procedure for Remote Deposit Capture. Instructs you where to customize for your bank.

3rd Party Content

200 points

Forgery Affidavit

Customer affidavit for forged check payments.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Decay Rate Spreadsheet

I use this worksheet to calculate our decay rates and beta factors for IRR using our actual closed account information. It passed our FDIC exam in December with absolutely no issues. It takes some data collection in order to see results. Because we have a unique market I broke up my accounts in to types, but it would work just using a basic breakdown of checking, savings, etc........

Member with $ under $250m million in assets
Located in the Midwest

400 points

Reg E Error Resolution

Checklist for Reg E Error Resolution. Used as an internal process for when actions have been taken with notices to customer or provisional credits. Auditors asked us to document the process for internal control and dual review. Very beneficial for being in compliance with Reg E resolutions.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Vendor Management Review template

I created this template for vendor management annual reviews. It has been through our Board Audit committee and received positive comments.

Member with $ under $250m million in assets
Located in the West

100 points

Disaster Recovery and Contingency Plan

We are a small bank with not many sophisticated products or procedures. It is written to be followed by non technical people and fits the practices we have in place at the bank. we have a separate document for who is in charge of each branch or department because staff changes and we don't want to have to re-approve the plan each time staffing moves around. The Team Member list serves as an easy contact in emergency list to since it contains just addresses, phone numbers, cell phone numbers etc. OCC just left 2 weeks ago and says it has everything in it we need.

Member with $ under $250m million in assets
Located in the West

150 points

Business Continuity Testing scenarios and report template

I conduct a branch or department testing at least once a month. It is a challange to present scenarios that are plausible so that the employees will truly get engaged. I have compiled a simple outline of 6 scenarios that you could use to train/test your employees. Training consists of outlining scenario and then determining how the employees would handle the situation. Proper documentation after the training has made this favorable for audit purposes.

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Cisco

This vendor document is 5 pages long. We don't outsource. I am not sure if it answers your questions but you are welcome to what we have. I agree that some of the third party vendor are not aware of the requlations. Others provide vendor documents including pandemic disaster.

Member with $ over $1b million in assets
Located in the Northeast

FREE

Fair Lending Training for Board

This PowerPoint fair lending Board of Directors presentation discusses unfair lending examples, fair lending laws, prohibited basis, discriminatory practices, consequences of noncompliance and fair lending cases.

Member with $ under $250m million in assets
Located in the Southeast

200 points

ACH ORIGINATION POLICY

Guidelines for Ach Origination

Member with $ under $250m million in assets
Located in the Midwest

100 points

Debit Card Policy

This policy was developed to help show how and why we grant debit cards to customers.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Mortgage QC Plan

This QC program is about 7 pages long and describes pre-funding and post-funding. It addresses file selection, timing, minimum review requirements, reporting and tracking. Keep in mind, this is a program and not the actual proceedures for performing the reveiws. I also have pre-funding and post-funding worksheets that are seperate documents. I wrote this document during the past several months to accomodate the new QC requirements for Fannie Mae. It is pretty specific to our bank, however, could easily be adjusted to work with an institution of any size. This document has been submitted to the USDA for the RHS program back in February and appears to be acceptable.

Member with $ under $250m million in assets
Located in the Midwest

600 points

W8 BEN Solicitation Form Letter

This form letter may be sent to customers when their W8-BEN forms are approaching expiration. (See related "Non Resident Alien - W8 Issues" procedure, a separate document discussing how to properly obtain and monitor these forms)

Member with $ under $250m million in assets
Located in the Midwest

50 points

Non Resident Alien Accounts - W8 Issues

This procedure describes processes in place to ensure initial and ongoing documentation compliance for non-resident alien customers, specifically the need to obtain form W8-BEN and maintain a current copy in the file. (The procedure, written for a bank with FiServ (Navigator) and ProSuite (Deposit Pro) products, can be easilly modified to include specific file maintenance steps for your core system and forms vendors.) See also W8 Solicitaion Letter, a separate form letter used to solicit new W8's as they approach expiration.

Member with $ under $250m million in assets
Located in the Midwest

300 points

Flood Coverage Worksheet - Interactive

This Flood Coverage Worksheet can be used to determine the required amount of flood insurance, both at the time of origination and throughout the servicing of the loan. It is an interative spreadsheet - fill in the yellow fields with your loan information, and the blue fields automatically calculate. The spreadsheet compares the lesser of the loan amount/replacement cost and the maximum allowable insurance. It also allows up to 4 residential / commercial buildings. It will then tell you if insurance is adequate based on the comparison. A short reminder checklist at the bottom is included to document the expiration date, zone codes, document retention, etc. This has helped our servicing staff and has been put through several compliance audits and an OTS and OCC examination.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

Audit/Exam Exception Tracking Workbook

Use this to keep track of all exam, internal audit, and external audit findings and recommendations, gather management responses, follow-up to resolution, and report to the Audit Committee/BOD. Includes instructions for the auditor and management.

Member with $ between $250m - $500m million in assets
Located in the Southwest

400 points

Secondary Market Quality Control Policy and Program

Banks that originate FHA mortgages are required to have a written quality control plan. This download contains a 4 page policy for Secondary Market programs, and includes the common FHA Required policy elements. ALSO INCLUDED is a Quality Control Review Program checklist, to be used to document compliance with the FHA's requirements. The QC Review Program includes sample text that you may customize for your institution. This is designed for small entities (small,community banks) and may not be detailed enough for very large originators that may have robust requirements.

Member with $ under $250m million in assets
Located in the Midwest

500 points

Loan - Collection and Delinquent Loan Guideline & Procedures

Collection and Delinquent Loan Guidlines & Procedures was drafted by our compliance officer along with the chief credit officer. It is five pages long and has passed muster with our third party compliance examiner for fair lending.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Collections Process

Collection Guidelines - Written for a smaller bank (145M assets). We have low delinquency - loan officers collect their own loans, we do not have a collection dept.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Loan App

This is the application that we have our customer's complete when applying for a loan.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Consumer Compliance Policy

This is a Consumer Compliance Policy that is annually approved by the Board. It contains the following sections: General Policy, Compliance Responsibility, Policies and Procedures, Product Development and Planning, Compliance Audits, Information Systems, Employee Training, Communication, Response to Consumer Complaints, and Consequences of Non-Compliance. A more comprehensive Compliance Program that includes detailed procedures is available for purchase.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Commercial Loan Risk Rating Matrix

Great template to use to justify or audit commercial loan grades. Good tool for loan officers and relationship managers to use when deciding how to rate a commercial loan.

Member with $ between $250m - $500m million in assets
Located in the West

400 points

Community Bank Compliance Policy

Our Compliance Policy is 6 pages long and was developed by our Compliance Officer with assistance from our external auditors. We have not received any negative criticism from examiners concerning the appropriateness of the policy for an institution of our size and complexity (6 offices).

Member with $ under $250m million in assets
Located in the Midwest

200 points

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

BSA Risk Worksheet for new acounts

The BSA Risk Worksheet is a 'fillable' excel document that asks the pertinent questions required for due diligence pertaining to AML guidelines. It's streamlined with 'check boxes' for simplicity. For Washington and Colorado State banks, it includes a question regarding the marijuana industry. That line can be deleted and/or replaced for the other states.

Member with $ under $250m million in assets
Located in the West

150 points

BSA Test with Answer Sheet

This is a 20 question test regarding BSA. We have BSA training during staff meeting and then hand out the test the next week. We want to see how well the employees retain the imformation given to them.

Member with $ under $250m million in assets
Located in the West

25 points

Ability-to-Repay and Qualified Mortgage Rules Risk Assessment

This risk assessment of the ATR-QM rules is separated into a section for Qualified Mortgages and a section for non-QMs. It is further subdivided into sections for Legal Risk, Strategic Risk, Operational Risk, Compliance Risk, and Reputational Risk. It identifies the associated risk and risk fields for likelihood of occurrence, adverse impact, inherent risk, mitigating controls, adequacy of controls, residual risk, and comments. Our bank will do both QM and non-QM loans but do fall under the small creditor QM rules. You will have to customize and risk rate to your bank's operations.

Member with $ under $250m million in assets
Located in the Southeast

250 points

W8 BEN Solicitation Form Letter

This form letter may be sent to customers when their W8-BEN forms are approaching expiration. (See related "Non Resident Alien - W8 Issues" procedure, a separate document discussing how to properly obtain and monitor these forms)

Member with $ under $250m million in assets
Located in the Midwest

50 points

Personal Check Card Disclosure Statement/Account Agreement

This disclosure, given to all consumer debit card applicants, informs the applicant of their rights and responsibilitues, including but not limited to Use of Card, ATM, POS/Visa Transactions, Limitation on Card Use, Foreign Currency Exchange Rate, POS Purchase Right to Stop Payment, Illegal Activities, Recurring Charges, Liability for Unauthorized Use, Loss or Theft, Errors or Questions, Bank's Liability for Failure to Complete a Transaction, ATM Safety Tips and much more.

Member with $ between $250m - $500m million in assets
Located in the Northeast

150 points

Business Continuity / Disaster Recovery Plan

The attached zip file contains a detailed Business Continuity Plan / Disaster Recovery. It's about 114 pages, and I have gone through each section and attempted to remove reference to Mariner's Bank throughout the files. There are 26 sections to this plan and it has gone through internal audits and currently FDIC Audit. During my FDIC audit I have to expand on alternate recovery site and long term interruption procedures specific to certain software and certain departments, but otherwise it is good.

Member with $ between $250m - $500m million in assets
Located in the Northeast

900 points

Limited Power of Attorney for Vehicle Collateral

This document is signed by the owner of vehicle collateral and used to perfect a lien on a motor vehicle. Multi-state accepted. Optional Notary section.

Member with $ between $250m - $500m million in assets
Located in the Southeast

150 points

Enterprise Level Risk Assessment

The Enterprise Level Risk assessment takes risk factors and allows you to rate them high medium or low. This auto generates an inherent risk value that is weighted based on the severity of the risk. From there we can mitigate the risk with controls. I like what I have done with this but would love to know if anyone has made any improvements to it. Just note it in the comments if you think it needs something. I have tried to sanitize the document yet leave some of our data in there to try and help stimulate ideas. I know when we started doing our ERA, we just didn't know where to start. We will be audited next month, so hopefully the regulators like it.

Member with $ between $250m - $500m million in assets
Located in the Southeast

300 points

Complaint Resolution Policy

The prompt resolution of complaints reinforces positive rela¬tionships with customers. Com¬plaints are often beneficial, providing staff with opportunities to clarify misunderstandings, adjust or provide services to meet a customer's needs, or to simply demonstrate the Bank’s commit¬ment to providing quality service. Affected Service Complaints include but are not limited to: • Delays in loan processing. • Waiting time at teller windows or ATMs • Adverse comments on the type of products or services available or not available from the Bank • Fees and charges imposed or disputes about how they are calculated

Member with $ between $250m - $500m million in assets
Located in the West

150 points

Internal Audit RFP Sample

RFP used for solicting proposals for outsourced internal audit services

Member with $ between $250m - $500m million in assets
Located in the Northeast

300 points

Charge off form

Excel form used to report non-accrual/charge off loans to Board

Member with $ under $250m million in assets
Located in the Midwest

50 points

Risk Assessment for Instant Issue Debit Cards

This risk assessment was written by a Financial Institution employee with 32 years banking experience, with 20 of those years in the Compliance Arena.

Member with $ between $250m - $500m million in assets
Located in the Midwest

1600 points

ACH Customer Check List

ACH Checklist for New Customers.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Electronic Device Policy

Bank policy on electronic devices, personal calls and mail

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Regulation D Policy

The Regulation D policy includes sections discussing the purpose of the regulation, Reg. D limitations on savings accounts, NOW account eligibility, early withdrawal penalty rules, and a policy statement. It does not include a discussion on reserve requirements.

Member with $ under $250m million in assets
Located in the Southeast

100 points

ATR Checklist w/bonus Small Creditor Checklist

This is an excel spreadsheet with tab for ATR checklist that can be printed and put into your loan files for compliance. It does cover all 8 points so you don't have to worry. There is also a tab for Small Creditor QM checklist, again for proof of compliance. No fields are blocked so you can modify to fit your needs.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Fair Lending Risk Assessment

This Fair Lending Risk Assessment identifies many key areas of FL Risk and rates them based on a number of key regulatory factors (Overt, Redlining, Underwriting, Steering, etc.). This Risk Assessment was recently reviewed by the FDIC during a compliance exam and no issues were noted. Bank-Specific policy and procedure has been removed from this template for you to add in your own information.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Compliance Audit Risk Matrix

Place a rating (see additional worksheets) in each category based on the risk at the bank. These Ratings are multiplied by the weight associated with each category. The final totals feed into the Main Worksheet '2011'. These scores will determine the level of risk and assign a total score to each compliance area. The total score is used to determine how often the area will be independtly reviewed or audited.

Member with $ between $250m - $500m million in assets
Located in the Southeast

500 points

Monthly Branch Security Checklist

Monthly branch checklist for security. Here is an example of a question: 12. Was exterior lighting observed after dark at least twice during the month? Any malfunctioning lights should be reported to Facilities.Date of observation: _________________________Observer: _________________________________Date of observation: ________________________Observer: ________________________________

Member with $ between $500m - $1b million in assets
Located in the Midwest

250 points

BSA Risk Worksheet for new acounts

The BSA Risk Worksheet is a 'fillable' excel document that asks the pertinent questions required for due diligence pertaining to AML guidelines. It's streamlined with 'check boxes' for simplicity. For Washington and Colorado State banks, it includes a question regarding the marijuana industry. That line can be deleted and/or replaced for the other states.

Member with $ under $250m million in assets
Located in the West

150 points

Electronic Device Policy

Bank policy on electronic devices, personal calls and mail

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Power of Attorney review form and checklist

These form help branch staff interact with customer power of attorney issues, and a POA review form used to send to legal for document review.

Member with $ between $500m - $1b million in assets
Located in the Northeast

200 points

compliance schedules

compliance risk rating and audit schedule

Member with $ under $250m million in assets
Located in the Southwest

100 points

BSA On Site Business Inspection Form

The On-Site Business Inspection Form can be used by bankers who may be required to visit businesses considered high-risk under your bank's BSA procedures (e.g., MSBs). The form has fields to input such information as the Account Information and an Inspection Checklist, which includes several questions about the business.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Appraisal Engagement Letter

The Bank hereby engages the services of to prepare a written narrative appraisal report (the "Appraisal") of the above captioned real property. The terms and conditions of this engagement are described below: 1. Client. Your client is (the "Bank"). Attention: , Commercial Real Estate Analyst. 2. Appraiser. The Appraisal is to be prepared by ____________________ (the "Appraiser"). 3. Your contact for access to the property is _____________ Tel: ___________. 4. Other Consultants. If the Appraiser requires professional assistance from others, those individuals shall be satisfactory to the Bank and their fees and expenses shall be included in the fees and expenses paid to the Appraiser by the Bank. 5. Subject Property. The real and other property described on Exhibit B attached hereto. 6. Effective Date. The effective date of the Appraisal shall be the last date on which the Appraiser personally inspects the subject property. 7. Purpose of the Appraisal.

Member with $ over $1b million in assets
Located in the Northeast

100 points

Fair Lending Risk Matrix

This is a three page assessment identifying basic Fair Lending parameters, with low, medium, high indicators. First two pages are the matrix. Third page is a summary of the matrix. For use by small banks. OCC approved.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Website review checklist

One page concise website review checklist

Member with $ under $250m million in assets
Located in the Midwest

100 points

Electronic Device Policy

Bank policy on electronic devices, personal calls and mail

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Safe Deposit notice of intent to drill

Notice of intent to drill safe deposit box

Member with $ under $250m million in assets
Located in the Midwest

50 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

FFIEC MFA Internet Banking Risk Assessment

This is an Excel spreadsheet. It is the Risk Assessment the FFIEC multi factor authentication guidleines require each FI to perform annually

Member with $ over $1b million in assets
Located in the Southwest

300 points

Remote Deposit Capture Risk Assessment (For Customer, not Branch)

This is a Risk Assessment template for Remote Deposit Capture customers that may be able to be modified for Branch Capture.

3rd Party Content

200 points

BSA On Site Business Inspection Form

The On-Site Business Inspection Form can be used by bankers who may be required to visit businesses considered high-risk under your bank's BSA procedures (e.g., MSBs). The form has fields to input such information as the Account Information and an Inspection Checklist, which includes several questions about the business.

Member with $ under $250m million in assets
Located in the Southeast

100 points

ACH Risk Assessment Sample

This is only a small sample from an ACH risk assessment to help answer a question about formatting.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Decay Rate Spreadsheet

I use this worksheet to calculate our decay rates and beta factors for IRR using our actual closed account information. It passed our FDIC exam in December with absolutely no issues. It takes some data collection in order to see results. Because we have a unique market I broke up my accounts in to types, but it would work just using a basic breakdown of checking, savings, etc........

Member with $ under $250m million in assets
Located in the Midwest

400 points

Internal Audit Plan

General Internal Audit Plan with risk assessment of each area.(the third column) Designed for smaller banks. Provides tracking of when each audit is completed and how often. Excellent form to give to the Board Audit Committe for annual approval and periodic progress. OCC approved

Member with $ under $250m million in assets
Located in the Midwest

350 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Sample Document Imaging Policy

The purpose of this policy is to set down guidelines and parameters for the electronic imaging of the INSTITUTION’S loan files and other documents. It is our intent to use these files as our primary source and repository for all loan documents previously kept in paper files format. Access to the files will be granted only to bank personnel, auditors, and examiners. Accesses will be granted to those presenting a properly executed subpoena for records held by the bank. Under 314.6 of the USA Patriot Act INSTITUTION (does/does not) voluntarily share information.

3rd Party Content

200 points

Virtualization Risk Assessment

This is an Excel Spreadsheet

Member with $ under $250m million in assets
Located in the Southwest

100 points

Customer Information Security Risk Assessment Template

Annual review completed for the - Annual Information Security Risk Assessment review for safeguarding customer information. Sheet is a template used that includes template information for 30 different locations/software that customer information is located and/or stored.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

Apr 17

61 purchases

E-Sign Disclosure

We use this E-Sign Authorization to deliver loan disclosures to customers electronically.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Correspondent Bank Relationships & Concentration Risks Program

Our bank is a small community bank ($125MM) in Iowa and this is the document we use to manage correspondent bank concentration risk. It satisfied during our state exam in 2010.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Secondary Market Quality Control Program

This Quality Control Pre-closing program was developed by a Real Estate Lender with 20 year experience in lending and 8 years dealing with Freddie Mac. She is now the Quality Control Officer and not involved with production.

Member with $ between $250m - $500m million in assets
Located in the Midwest

500 points

FHLMC Quality Control Pre-closing Loan Review

This pre-closing checklist was created based on FHLMC requirements for conducting pre-closing reviews as part of our In-house Quality Control Program. It was originally created as a fill-in form however security was removed to make it available as an unprotected document on cbanc. Once purchased it should be protected to enable the fill-in functionality. Pre-closing reviews will be required under the FHLB's MPF Program beginning June 1, 2013.

Member with $ between $250m - $500m million in assets
Located in the Midwest

400 points

Mtg QC Post Closing Worksheet

We use this worksheet to complete a post closing review. It is self-calculating and easy to use. It could also be used for pre-closing, however, we do have a separate one for that. This has been submitted to both FHA and RHS as part of mortgage QC program.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Fair Lending Second Review

The purpose of the Fair Lending Second Review is to ensure that lending standards are applied fairly and uniformly to all applicants. It is a safety net that attempts to prevent discrimination, and does not involve underwriting terms or practices that are preferential on a prohibited basis. A review is to be performed on each loan that is recommended for denial.

Member with $ under $250m million in assets
Located in the Midwest

50 points

BSA On Site Business Inspection Form

The On-Site Business Inspection Form can be used by bankers who may be required to visit businesses considered high-risk under your bank's BSA procedures (e.g., MSBs). The form has fields to input such information as the Account Information and an Inspection Checklist, which includes several questions about the business.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Mobile Deposit Agreement

This is a 7 page document that was created by the collaboration of many people. This explains the agreement between your mobile user and your institution. Please also see Mobile Banking Agreement. It is recommended to have an attorney review the document to ensure state laws are met.

Member with $ under $250m million in assets
Located in the Midwest

100 points

ACH Risk Assessment

ACH Risk Assessment

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

ACH Risk Assessment Sample

This is only a small sample from an ACH risk assessment to help answer a question about formatting.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

ATR Checklist w/bonus Small Creditor Checklist

This is an excel spreadsheet with tab for ATR checklist that can be printed and put into your loan files for compliance. It does cover all 8 points so you don't have to worry. There is also a tab for Small Creditor QM checklist, again for proof of compliance. No fields are blocked so you can modify to fit your needs.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Core Processing Request for Proposal

A template to be utilized to request proposals for core processing systems.

Member with $ between $500m - $1b million in assets
Located in the Midwest

500 points

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Online Banking Risk Assessment

Online Banking Risk Assessment in compliance with the new FFIEC guidance(FIL-50-2011) Basic Risk assessment reviewing FI’s online banking environment & risk management systems, assigning risk rating on Threats/vulnerabilities, and evaluating Control effectiveness.

Member with $ between $250m - $500m million in assets
Located in the West

200 points

E-banking risk assessment

This is a document we compiled together as a general policy for our internet banking & mobile banking products because of our set-up. Our customers have to be internet banking users before they can be mobile banking users. It is a total length of 4 pages long in which it describes a background of the bank & desription of what all our ebanking products entail. It also includes a risk matrix of our internet & mobile banking products.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

Consumer Real Estate Compliance Checklist

I often forget to check the little things. And the little things are what get us dinged. So I've made my own checklist which helps me member the little things. Hopefully it will help you too.

Member with $ under $250m million in assets
Located in the Southeast

250 points

Remote Deposit Capture (RDC) Policy

Remote Deposit Capture (RDC) Policy

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

RESPA Qualified Written Request Procedures

Procedures for RESPA Qualified Written Request including Error Resolution and Request for Information as required by Section 1024.35 and Section 1024.36 of RESPA

Member with $ between $500m - $1b million in assets
Located in the Midwest

350 points

Risk Based Capital Calculation Worksheet

This is worksheet for calculating your risk based capital ratios in months during which a Call Report is not completed. The worksheet is based off of Schedule RC-R from the Call Report. It is a good way to calculate and document your RBC ratios monthly.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Business Debit Card Agreement

This Business Debit Card agreement is 4 pages long with the last page serving as the application form for the business to complete for each cardholder.

Member with $ between $500m - $1b million in assets
Located in the West

200 points

Risk Assesement for Natural Gas Generators

This Risk Assessment was written as a narrative to submit to the IT Committee as an initial review of the technology and as an opportunity to inform the board of the foreseeable risks associated with it, PRIOR TO PURCHASE. It is written in normal every day language in order to better inform the board. So far, examiners have loved the read-ability and the overall information presented. Once this is approved, the risks are streamlined and added to the overall Bank Wide systems risk assessment and the purchase is made. We use this templet for all new technology.

Member with $ under $250m million in assets
Located in the Southwest

150 points

Adverse action review worksheet

Used to audit adverse action.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Allowance for Loan and Lease Losses Policy

This Allowance for Loan and Lease Losses Policy is 11 pages long. It was written by our compliance officer with 25 years experience in compliance and as a safety and soundness examiner for the OTS and the OCC.

Member with $ under $250m million in assets
Located in the Northeast

600 points

CFR guidelines for billing resolution

The billing resolution guidelines lend themself to an easy procedural outline.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Mobile Banking Risk Assessment

Mobile Banking Risk Assessment

Member with $ between $250m - $500m million in assets
Located in the West

600 points

Participation Loan Payment/Advance Worksheet

Supporting Participation Payment/Advance Worksheet

Member with $ under $250m million in assets
Located in the West

50 points

BSA Risk Assessment

The BSA/AML Risk Assessment is 10 pages long and is formatted by listing the bank's products and services and then documenting controls and residual risk ratings. The final pages of the Assessment includes a summary overall BSA/AML rating. The title lines may be misaligned due to removing verbiage under mitigating controls in order to delete specific product and service data.

Member with $ between $250m - $500m million in assets
Located in the West

200 points

Account Styling and Ownership matrix SC

This matrix is a great tool for your CSR staff. It list account styling, ownership, cip requirements, and required documentation.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Code of Business Ethics and Conduct

This is a Code of Business Ethics and Conduct that all of our directors, officers and staff at a small community bank were required to sign.

Member with $ under $250m million in assets
Located in the Midwest

100 points

OCC Interpretive Letter #923

Letter outlining banks participation in lotteries, raffles, and games of chance.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Over and Short Policy

This is a copy of our Over and Short Policy. It is only 4 pages long. It was wriiten by our VP of Operations Manager and our former compliance officer. Hopefully this helps.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Secondary Market Quality Control Policy and Program

Banks that originate FHA mortgages are required to have a written quality control plan. This download contains a 4 page policy for Secondary Market programs, and includes the common FHA Required policy elements. ALSO INCLUDED is a Quality Control Review Program checklist, to be used to document compliance with the FHA's requirements. The QC Review Program includes sample text that you may customize for your institution. This is designed for small entities (small,community banks) and may not be detailed enough for very large originators that may have robust requirements.

Member with $ under $250m million in assets
Located in the Midwest

500 points

Internal Audit Risk Assessment and Schedule

This includes internal audit risk assessment work sheets, summary page with every area risk rating and a three year internal audit schedule that is based on the risk rating. This document was designed by senior Internal Auditor with 10 years experience. Our FRB examiners liked this version. Table of Contents: 1. Calendar 2. Summary Sheet 3. Data Sheet - Accounting an Administration 4. Data Sheet - Compliance 5. Data Sheet - Lending 6. Data Sheet - Operations

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Regulation GG - Internet Gambling Policy

Regulation GG policy to address requirements of the Unlawful Internet Gambling Enforcement Act. Includes a copy of Mastercard's Regulation GG Policy (June 3, 2011)including their written statement or notice regarding the fact that they have in place, policies and procedures to comply with Regulation GG. (as described in: Reg GG, Policies and procedures required, 12 C.F.R. §233.5(c)) Also includes a business risk profile which covers the required due dilligance at account opening.

Member with $ under $250m million in assets
Located in the Southeast

300 points

Cisco

This vendor document is 5 pages long. We don't outsource. I am not sure if it answers your questions but you are welcome to what we have. I agree that some of the third party vendor are not aware of the requlations. Others provide vendor documents including pandemic disaster.

Member with $ over $1b million in assets
Located in the Northeast

FREE

Internal Appraisal SMALL BANKS

Here is an internal appraisal we have had FDIC examiner approval of this year. Primarily for expanding upon tax-assessed based internal appraisals. Important note, you need to attach the subject property tax assessment as well as the comparable sales tax-assessments and sale information. The supporting documentation is required for this to be used. Using at a under $50 million bank. *****UPDATE: For questions about not providing enough detail: This is a cover sheet for your appraisal. Regulators were very clear that you must also include the tax assessed or property reports for the subject property and all comps. Also useful is tax history to show it is current and or any other supporting documentation. With the supporting docs this should work well for files that do not require an outside appraisal. **update. Uploaded a working .doc file in place of the .pdf that wasn't working.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Branch Audit Program

This is a retail branch audit program that we developed for our internal audit staff that does operational and SOX auditing.

Member with $ over $1b million in assets
Located in the West

150 points

Letter of Dissatisfaction

Letter of dissatisfaction of service for vendor prior to termination of service due to potential breach of contract.

Member with $ between $500m - $1b million in assets
Located in the Midwest

50 points

Cisco

This vendor document is 5 pages long. We don't outsource. I am not sure if it answers your questions but you are welcome to what we have. I agree that some of the third party vendor are not aware of the requlations. Others provide vendor documents including pandemic disaster.

Member with $ over $1b million in assets
Located in the Northeast

FREE

Night Deposit Procedures and Night Deposit Logs

The first page of this document lists procedures for night deposit processing. Page 2 is a Mail and Night Deposit Daily Log and page 3 is a Night Deposit Bag Release Log we use to track bags left in the branch for customer pick up.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Wire Policy (VP-Controller)

Wire policy which include authorization levels.

Member with $ between $500m - $1b million in assets
Located in the Northeast

100 points

Annual GLBA Risk Assessment

An annuall Gramm-Leach-Bliley Safeguarding Customer Information Security Risk Assessment with eight defined risk catagories and mitigation strategies

Member with $ under $250m million in assets
Located in the West

1000 points

Ability-to-Repay and Qualified Mortgage Rules Risk Assessment

This risk assessment of the ATR-QM rules is separated into a section for Qualified Mortgages and a section for non-QMs. It is further subdivided into sections for Legal Risk, Strategic Risk, Operational Risk, Compliance Risk, and Reputational Risk. It identifies the associated risk and risk fields for likelihood of occurrence, adverse impact, inherent risk, mitigating controls, adequacy of controls, residual risk, and comments. Our bank will do both QM and non-QM loans but do fall under the small creditor QM rules. You will have to customize and risk rate to your bank's operations.

Member with $ under $250m million in assets
Located in the Southeast

250 points

Security Awareness Training Powerpoint

This security awareness training powerpoint is trained to all new bank employees and annually to each employee of the bank. It was last updated 03/2010 and has passed internal audit and FDIC exam. Note: this document is ppt format. If you do not have powerpoint, I can attempt to save as a different format for you.

Member with $ between $250m - $500m million in assets
Located in the Northeast

250 points

Fee Spreadsheet

Spreadsheet listing fees and HUD-1 lines and RESPA Blocks. Reposted from Bankers Online website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

EFT Dispute Resolution

This is a sample procedure describing the steps to take when handling customer EFT disputes including timing and a sample EFT error resolution form.

Member with $ between $250m - $500m million in assets
Located in the West

100 points

Online banking campaign - Mobile banking

This is a sample of the postcard we send to customers to entice them to enroll in mobile banking. It is part of our 4-piece online campaign. It is in PDF format, but shares our thoughts for marketing such a product.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Security Awareness Training Powerpoint

This security awareness training powerpoint is trained to all new bank employees and annually to each employee of the bank. It was last updated 03/2010 and has passed internal audit and FDIC exam. Note: this document is ppt format. If you do not have powerpoint, I can attempt to save as a different format for you.

Member with $ between $250m - $500m million in assets
Located in the Northeast

250 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Succession Plan Updated

Simple succession policy for CEO for a small bank. Updated 2013

Member with $ under $250m million in assets
Located in the West

200 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Management Succession Plan

Management succession plan for CEO, CLO, CFO, COO and Internal Audit/Security Officer

Member with $ under $250m million in assets
Located in the Northeast

500 points

BSA On Site Business Inspection Form

The On-Site Business Inspection Form can be used by bankers who may be required to visit businesses considered high-risk under your bank's BSA procedures (e.g., MSBs). The form has fields to input such information as the Account Information and an Inspection Checklist, which includes several questions about the business.

Member with $ under $250m million in assets
Located in the Southeast

100 points

CFR guidelines for billing resolution

The billing resolution guidelines lend themself to an easy procedural outline.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

FDIC Community Reinvestment Act Tracking Sheets

This Community Reinvestment Act tracking sheet was provided to me, August 2012, by the FDIC. They wanted all CRA items on this worksheet and said they would be using this in the future. No specific instructions were given as far as what they wanted in each line, just the general CRA guidelines.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Fair Lending Self Assessment

This Fair Lending template was designed by a senior lender with over 20 years of consumer lending. It was developed after an OCC exam suggested we do an internal fair lending assessment annually. This template is for auto loans. All auto loans are logged upon being booked on our core system. We use a template for each type of loan. Annually, all loan officers meet to review the templates and determine if any loan officer is lending outside of our lending and underwriting policy.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

RDC - Sample Risk Assessment

Sample Risk Assessment for RDC

3rd Party Content

200 points

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Apr 16

71 purchases

Incident Response Policy

This is a copy of our GLB Incident Response Policy that has been examined by Auditors, FDIC and State Regulators.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Information Security Program

Written by ISO with 8 years ISO experience and 30 years IT experience. General policy that refers to other policies beneath it allowing Board to approve high level policy generally once a year even though smaller policies underneath may change more frequently. This ISP has been through 2 FDIC exams and 2 Division of Finance exams with no recommendations for improvement.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Information Security System Risk Analysis - Device Classification

The process involves listing each of the most critical technology and vendor services and categorizing these systems based on the data they process or store. Threats and vulnerabilities are listed for each technology, and then controls are specified for all vulnerabilities. Controls are categorized, and definitions for control adequacy are developed and applied to each technology. Output includes a report showing vulnerabilities, controls, and a risk rating for each technology, a report showing which vulnerabilities have insufficient controls, and others. This risk assessment needs to include an identification of foreseeable threats, an assessment of the likelihood and potential damage of these threats, and the sufficiency of controls to mitigate risks. While the GLBA only specifies a risk assessment of physical and electronic customer data, financial institution examiners are looking for a consolidated risk assessment of all systems that transfer, process, or store electronic data.

Member with $ under $250m million in assets
Located in the Southeast

250 points

Information Security Risk Assessment Methodology

To help classify and quantify the risks facing financial institutions, certain measures must be developed to help stratify and prioritize where efforts should be focused to maximize efficiency and minimize risk. Most of these values cannot be derived through empirical observation or quantified objectively, but rely principally upon individual judgments and subjective estimates. This methodology has been reviewed by FDIC,state and internal examiners with no criticisms.

Member with $ under $250m million in assets
Located in the Southeast

50 points

GLBA & IT Infomation Security Risk Assessment

This GLBA\Information Security Risk Assessment and IT Risk Assessment is 21 pages and covers all aspects of Information Security. It has been continuously refined over the last eight years. The assessment has been well received by IT auditors, State Examiners, and FDIC. The Risk Assessment Methodolgy and Risk Assessment Device Classification are two other documents available in cbanc that support this risk assessment module.

Member with $ under $250m million in assets
Located in the Southeast

500 points

GLBA-Annual Report to the Board of Directors

This document satisifies the GLBA required annual report to the board. Is simple, but includes all of the required notifications. Is well-received by auditors and FDIC examiners. Bank size is 0-$250M

Member with $ under $250m million in assets
Located in the Midwest

100 points

OCC Interpretive Letter #923

Letter outlining banks participation in lotteries, raffles, and games of chance.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Remote Deposit Capture Policy

Topics include: Statement of Purpose, Statement of Benefits, Risk Assessment, Customer Agreement for Merchant Deposit Capture, Underwriting Guidelines and Exposure Limits for MDC, Business Continuity, Procedures and Training Program.

Member with $ between $250m - $500m million in assets
Located in the Southeast

150 points

OCC Interpretive Letter #923

Letter outlining banks participation in lotteries, raffles, and games of chance.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Annual Information Security Briefing Power Point Presentation

Talking points slide for compliance with annual information security training requirements.

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Compliance and Internal Audit Schedule

Sample Internal Audit and Compliance Schedule

Member with $ between $250m - $500m million in assets
Located in the Midwest

150 points

SAFE Act Audit

This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

ACH Customer Check List

ACH Checklist for New Customers.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Deposit Operations Risk Assessment and Audit Schedule

This excel spreadsheet lists the areas of the bank (general ledger accounts, internal DDA accounts, logs, etc.) that are internally audited. Each item is assigned a risk category and an audit frequency.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Regulation E Exhibits

Attached are the Regulation E exhibits to support the Regulation Policy. It contains the Debiting Provisional letter, Additional Information Letter, EFT Statement of Dispute, Final Credit Letter, No Error Found letter, Provisional Credit letter and Reg E Error Resolution Training Log. It is not intended as legal advice. You may wish to consult with legal counsel before using any document or agreement for our particular situation. No legal advice is given or intended by uploading this document for your review.

Member with $ under $250m million in assets
Located in the Midwest

50 points

CFR guidelines for billing resolution

The billing resolution guidelines lend themself to an easy procedural outline.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

FDIC Compliance Management Program

I downloaded this from the FDIC website. If the document doesn't work, you can find the manual there. UPDATE: It seems some people were having trouble downloading this file due to its size. I have replaced the document with a zipped file of the same manual. If you have trouble downloading it, please contact the Cbanc support team. They can send it to you directly.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Consumer Mobile Remote Deposit Capture (RDC) Risk Assessment

This is a one page Excel based consumer mobile RDC risk assessment template. It is populated with the data that I used for my bank, but may be edited to fit your needs. If you are adding a new technology product or service, this risk assessment template should be helpful.

Member with $ between $500m - $1b million in assets
Located in the Southwest

400 points

Freddie Mac Post Closing Quality Control Checklist

I developed this form based on the volume and risk profile for our bank, after reviewing Freddie Mac guidelines. This is the version I am using currently . We are a small community bank that does a lot of Freddie Mac loans. Hope you find it helpful.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Ability to Repay Policy

Short policy as a supplement to Reg Z to address Ability to Repay regulations. Document received no-comment from regulators during mini review of updated policies and procedures.

Member with $ under $250m million in assets
Located in the Midwest

75 points

CFR guidelines for billing resolution

The billing resolution guidelines lend themself to an easy procedural outline.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Vendor Management Policy with Due Diligence Forms

This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.

Member with $ over $1b million in assets
Located in the Midwest

600 points

Exception Tracking Worksheet

It's just an exception tracking sheet that we use for findings and recommendations from exams, audits, and monitoring. It is listed under compliance but we use the same form for loan review, audit and any other exam / audit findings. If you don't have a method of tracking exceptions, please feel free to use this as a guide.

Member with $ under $250m million in assets
Located in the Southeast

FREE

Revocation of Provisional Credit on Debit Dispute

This is a letter to the customer to notify them when previously granted provisional credit will be reversed due to the outcome of the investiogation. Examiners and Auditors have reviewed with no findings or recommendations.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Debit Card Dispute Checklist

Simple checklist to keep track of process during investigation of dispute.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Reg E Letter to Customers

Form letter to notify customers of credit on POS transactions.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Mobile Device Policy for BYOD

This mobile device policy was drafted to allow for BYOD within our organization.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

Remote Deposit Capture (RDC) Membership Agreement

Remote Deposit Capture (RDC) Membership Agreement

Member with $ between $250m - $500m million in assets
Located in the Southeast

250 points

Remote Deposit Agreement

Remote Deposit Agreement.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

Check Fraud and REG CC

Check fraud and what to look for based on REG CC

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

BSA AML TRaining for Board

25-page overview of BSA/AML Program requirements for Board-level presentation. Used to satisfy annual BSA training requirement without going into specific procedural details. developed in concert with a peer at a regional savings bank.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

Internal R/E Valuation Form

This form is designed for evaluation of collateral in connection with either new credit or special asset matters when the transaction value is $250,000 or less and an independent appraisal has not been obtained.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Appraisal/Evaluation Review

We are a 50 million bank and this is what we use for both our appraisals and evaluations.

Member with $ under $250m million in assets
Located in the Southwest

25 points

ACH Origination Policy

This ACH origination policy is 4 pages long and was written by our compliance department. This has been through multiple audits and one exam without any problems.

Member with $ between $250m - $500m million in assets
Located in the Southwest

600 points

REG Z SNAPSHOT WORKSHEET

This is an excel worksheet for the Reg Z portion of a compliance review. This worksheet details where the information is usually found in the file as well as the subject regulatory reference. I embedded reference comments within the cells as reminders of what I am looking for. I have this set up so it is easy to make notes after (or with) the loan review and know if there is a pattern pointing to specific errors. If there is no issue with a line item you can just check it off and if there is an issue, you can spell it out in the Notes column.

Member with $ between $500m - $1b million in assets
Located in the Southwest

150 points

Vendor Risk Assessment

This has been used in both large and small financial institutions and has been accepted by the regulators.

Member with $ under $250m million in assets
Located in the West

100 points

BSA On Site Business Inspection Form

The On-Site Business Inspection Form can be used by bankers who may be required to visit businesses considered high-risk under your bank's BSA procedures (e.g., MSBs). The form has fields to input such information as the Account Information and an Inspection Checklist, which includes several questions about the business.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Capital Plan

This is a basic Capital Plan for a small institution.

Member with $ under $250m million in assets
Located in the Midwest

400 points

Check Hold quick reference guide

Tellers quick reference tool for check holds for established and new customers.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Reg CC Hold Form

This is a quick form/notice for detailing and determining Reg CC holds.

Member with $ over $1b million in assets
Located in the Midwest

100 points

Loan Policy

This is a lending policy for our entire organization...governs consumer and commercial loans.

Member with $ between $250m - $500m million in assets
Located in the Northeast

400 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

New Mortgage Rules checklist

This checklist assists lending personnel in complying with the new mortgage rules that became effective January 2014.

Member with $ over $1b million in assets
Located in the Southeast

500 points

Security Awareness Training Powerpoint

This security awareness training powerpoint is trained to all new bank employees and annually to each employee of the bank. It was last updated 03/2010 and has passed internal audit and FDIC exam. Note: this document is ppt format. If you do not have powerpoint, I can attempt to save as a different format for you.

Member with $ between $250m - $500m million in assets
Located in the Northeast

250 points

Fee Spreadsheet

Spreadsheet listing fees and HUD-1 lines and RESPA Blocks. Reposted from Bankers Online website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

Regulation E Dispute Form

For Regulation E disputes for VISA debit cards and ACH disputes

Member with $ under $250m million in assets
Located in the Southeast

150 points

HELOC Statement disclosures

I have an attachment with the HELOC statement disclosures

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

E-Sign Procedures for Mortgage Personnel

Procedures on how loan originators and processors will comply with the E-Sign Act, especially in regards to the Reg B Appraisal delivery requirement.

Member with $ under $250m million in assets
Located in the Midwest

150 points

HELOC Statement disclosures

I have an attachment with the HELOC statement disclosures

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

Non-RE Loan Compliance Worksheet

This is a very detailed worksheet to print off when auditing non-Real Estate loans (consumer or commercial) for compliance. It is in excel so it can be customized. For Real Estate Loans, see the RE Loan Compliance Worksheet.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

ACH Customer Check List

ACH Checklist for New Customers.

Member with $ under $250m million in assets
Located in the Midwest

250 points

E-Sign Disclosure

We use this E-Sign Authorization to deliver loan disclosures to customers electronically.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Fair Lending Risk Assessment

This Fair Lending Risk Assessment identifies many key areas of FL Risk and rates them based on a number of key regulatory factors (Overt, Redlining, Underwriting, Steering, etc.). This Risk Assessment was recently reviewed by the FDIC during a compliance exam and no issues were noted. Bank-Specific policy and procedure has been removed from this template for you to add in your own information.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Incentive Plan for Commercial Relationship Managers

Commercial Relationship Manager Incentive Plan. This is a one page incentive plan designed to bring relationships to the bank rather than having a separation between depositors and loan clients.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

HELOC Statement disclosures

I have an attachment with the HELOC statement disclosures

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

Municipal Bond Credit Review Worksheet

Excel spreadsheet developed as an overview of pre and post purchase municipal bond analysis

Member with $ under $250m million in assets
Located in the Southeast

50 points

Record Retention Schedule

A useable record retention schedule.

Member with $ under $250m million in assets
Located in the West

50 points

compliance schedules

compliance risk rating and audit schedule

Member with $ under $250m million in assets
Located in the Southwest

100 points

Regulation E Dispute Form

For Regulation E disputes for VISA debit cards and ACH disputes

Member with $ under $250m million in assets
Located in the Southeast

150 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Regulation E Dispute Form

For Regulation E disputes for VISA debit cards and ACH disputes

Member with $ under $250m million in assets
Located in the Southeast

150 points

Remote Deposit and Branch Capture Risk Assessment

Remote Deposit Capture and Branch Capture Risk Assessment and workflow examples with pre-filled categories and sample risk mitigation statements. Spreadsheet can be customized depending on your product, procedures and policies.

Member with $ between $500m - $1b million in assets
Located in the West

750 points

BSA On Site Business Inspection Form

The On-Site Business Inspection Form can be used by bankers who may be required to visit businesses considered high-risk under your bank's BSA procedures (e.g., MSBs). The form has fields to input such information as the Account Information and an Inspection Checklist, which includes several questions about the business.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Risk Assessment Template New Product/SErvie

This is a template to be used to create risk assessments for new products and services. It has not been fully vetted in an examination, but state examiners did review one completed risk assessment in this format and were very complimentary.

Member with $ over $1b million in assets
Located in the Northeast

1200 points

Mobile Banking Risk Assessment

This Mobile Banking Risk Assessment is very complete. Examiners' loved it and very Management/Board friendly.

Member with $ over $1b million in assets
Located in the Southeast

600 points

Security Awareness Training Powerpoint

This security awareness training powerpoint is trained to all new bank employees and annually to each employee of the bank. It was last updated 03/2010 and has passed internal audit and FDIC exam. Note: this document is ppt format. If you do not have powerpoint, I can attempt to save as a different format for you.

Member with $ between $250m - $500m million in assets
Located in the Northeast

250 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed notice

Notice posted to website and sent via email to members regarding security vulnerability

Member with $ between $250m - $500m million in assets
Located in the West

50 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Apr 15

108 purchases

Credit Memo

Credit Memo template for CRE and C&I presentations to Loan Committee or Board. Developed by 5 year old start up now at $200 plus million in Assets.

Member with $ between $250m - $500m million in assets
Located in the Northeast

250 points

Commercial Loan Credit Authorization Template

Good summary document to capture needed information for loan approval.

Member with $ between $250m - $500m million in assets
Located in the West

250 points

Non-RE Loan Compliance Worksheet

This is a very detailed worksheet to print off when auditing non-Real Estate loans (consumer or commercial) for compliance. It is in excel so it can be customized. For Real Estate Loans, see the RE Loan Compliance Worksheet.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Commercial/Ag RE Doc Request

Commercial/Ag Real Estate Doc Request to be used when requesting loan documents to be prepared by your loan processing department. This form is in Excel format and can be completed by the loan officer of loan support. Providing all necessary information for the processing department to comptlete the documents in a timely and accurate manner.

Member with $ between $250m - $500m million in assets
Located in the Midwest

300 points

Commercial Loan Pricing Risk Guidelines

This is an exhibit in our Funds Management Policy that guides us into consistent pricing for commercial loans.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Requiring Financial Statements

Commercial loan covenant requiring current financial information and remedy if not received.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Commercial Loan Pricing Matrix

2 worksheets for floating and fixed commercial loans

Member with $ under $250m million in assets
Located in the Northeast

150 points

Commercial Credit Memo/Loan Approval

This is a commercial Credit Memorandum/Loan Approval Form that we created to facilitate continuity in our loan files. It calculates DSC and DTI according to the values you enter. An Additional page is also here to allow for additional guarantors and the subsequent calculating of their DTI/DSC as needed. This is the general format we have been using for years and has been through many loan reviews without any problems.

Member with $ under $250m million in assets
Located in the Southeast

200 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Secondary Market Quality Control Policy and Program

Banks that originate FHA mortgages are required to have a written quality control plan. This download contains a 4 page policy for Secondary Market programs, and includes the common FHA Required policy elements. ALSO INCLUDED is a Quality Control Review Program checklist, to be used to document compliance with the FHA's requirements. The QC Review Program includes sample text that you may customize for your institution. This is designed for small entities (small,community banks) and may not be detailed enough for very large originators that may have robust requirements.

Member with $ under $250m million in assets
Located in the Midwest

500 points

Commercial Loan Credit Memo

This is a template for a credit memo to be used for Commercial Loans

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Cash Flow Analysis Trend Report

This Cash Flow Analysis Trend Report is for consumer purposes. Easy to understand

Member with $ under $250m million in assets
Located in the Midwest

50 points

Commercial Loan Presentation

I have over 25 years experience in commercial lending. I find that the attached covers all the important areas and is flexible enough to allow for deals that are not cookie cutter deals.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Cash Management Purchase List

We have all businesses to sign this in addition to any ACH contract they may need. It lists all of the available items that we offer with online cash management along with the prices. The customer chooses what items they would like to purchase and signs the form. Also, it will list all account #'s that will be online and each person with a user id must sign. This form also lists individual transaction fees that are charged.

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Audit Risk Assessment

This is the annual Risk Assessment performed for our Audit program to assess the required frequency of internal audits. It is a basic risk assessment that is simple to update and is well-liked by examiners. It is presented in a MS Word table format.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Online Banking Risk Assessment

Online Banking Risk Assessment in compliance with the new FFIEC guidance(FIL-50-2011) Basic Risk assessment reviewing FI’s online banking environment & risk management systems, assigning risk rating on Threats/vulnerabilities, and evaluating Control effectiveness.

Member with $ between $250m - $500m million in assets
Located in the West

200 points

Enterprise Level Risk Assessment

The Enterprise Level Risk assessment takes risk factors and allows you to rate them high medium or low. This auto generates an inherent risk value that is weighted based on the severity of the risk. From there we can mitigate the risk with controls. I like what I have done with this but would love to know if anyone has made any improvements to it. Just note it in the comments if you think it needs something. I have tried to sanitize the document yet leave some of our data in there to try and help stimulate ideas. I know when we started doing our ERA, we just didn't know where to start. We will be audited next month, so hopefully the regulators like it.

Member with $ between $250m - $500m million in assets
Located in the Southeast

300 points

FFIEC MFA Internet Banking Risk Assessment

This is an Excel spreadsheet. It is the Risk Assessment the FFIEC multi factor authentication guidleines require each FI to perform annually

Member with $ over $1b million in assets
Located in the Southwest

300 points

BSA AML TRaining for Board

25-page overview of BSA/AML Program requirements for Board-level presentation. Used to satisfy annual BSA training requirement without going into specific procedural details. developed in concert with a peer at a regional savings bank.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

BSA Officer Job Description

This is a BSA Officer job description which includes basic qualifications and overall job responsibilities and duties.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Fair Lending Procedures

These Fair Lending Procedures are 13 pages and are based on Reg. B and the Fair Housing Act.

Member with $ between $500m - $1b million in assets
Located in the Southeast

200 points

Heartbleed notice

Notice posted to website and sent via email to members regarding security vulnerability

Member with $ between $250m - $500m million in assets
Located in the West

50 points

Loan Customer Risk rating worksheet - BSA/CIP

This document is used to risk rate loan customers for CIP/BSA purposes

Member with $ under $250m million in assets
Located in the Midwest

150 points

Heartbleed notice

Notice posted to website and sent via email to members regarding security vulnerability

Member with $ between $250m - $500m million in assets
Located in the West

50 points

Template ACH Risk Assessment

This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.

3rd Party Content

200 points

Regulation B, ECOA Audit, CFPB Requirements

This is a Reg B/ECOA audit questionnaire that can be used to complete your Reg B annual audit. I have used the CFPB guidance for developing the audit and converted it into an easy to read, easy to fill out audit form. Your answers can just be typed in. I have also attached a document with recommendations of what documents should be viewed while conducting the audit.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

CFR guidelines for billing resolution

The billing resolution guidelines lend themself to an easy procedural outline.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Bank Secrecy Act Training

Our credit union used this training for our annual staff meeting. The BSA training covers the following: What is BSA?; Money Laundering; Know when to file a SAR; Know when to file a CTR; OFAC; and CIP.

Member with $ under $250m million in assets
Located in the West

300 points

RDC Limits Procedure

We needed a procedure which would limit our liablity and risk when customers ask for an RDC daily limit increase.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

FACTA & Red Flags Training PP

The FACTA & Red Flags Training Power Point is great for in person or webex training. It is detailed and can be easy to update and change. I will also update it as things change or we add to the course. You can also get the test to this under FACTA & Red Flags Training Test

Member with $ between $250m - $500m million in assets
Located in the Southeast

225 points

ACH Customer Check List

ACH Checklist for New Customers.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Red Flags and ID Theft Training for small banks

Some training questions for samll banks to use to make staff aware of red flags areas of concern.

Member with $ under $250m million in assets
Located in the Midwest

50 points

S.A.F.E. Act Audit

This is an audit program for compliance with the S.A.F.E. Act. Program addresses the following areas: 1. Policies and Procedures 2. Bank Registration 3. Identification of MLOs 4. Registration of MLOs 5. Unique Identifier - When provided 6. Training

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

Remote Deposit Audit

This is a one page check list for completing the annual merchant audit for remote deposit capture.

Member with $ under $250m million in assets
Located in the Midwest

100 points

FDIC Compliance Management Program

I downloaded this from the FDIC website. If the document doesn't work, you can find the manual there. UPDATE: It seems some people were having trouble downloading this file due to its size. I have replaced the document with a zipped file of the same manual. If you have trouble downloading it, please contact the Cbanc support team. They can send it to you directly.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Fee Spreadsheet

Spreadsheet listing fees and HUD-1 lines and RESPA Blocks. Reposted from Bankers Online website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

Mortgage Compliance Checklist

Check list for pre and post closing documents

Member with $ under $250m million in assets
Located in the Midwest

100 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Loan Escrow Account Policy

The bank will comply with all provisions of the Real Estate Settlement Procedures Act (RESPA). If an escrow is established on a RESPA covered loan, the escrow amounts shall be calculated in accordance with the requirements of the regulation, and appropriate initial and annual disclosures shall be provided to the borrower. If the institution transfers or acquires the servicing of any RESPA covered loan, the bank will make a timely, accurate servicing transfer disclosure to the borrower.

Member with $ over $1b million in assets
Located in the Northeast

50 points

Collection Procedures

It is Bank policy to handle its debt collection activities in such a manner that the Bank will not be classified as a debt collector of consumer debt under the provisions of the Fair Debt Collection Practices Act (FDCPA). Accordingly, the Institution will: o Use only its own employees to collect debts of the Bank; o Conduct its collection efforts only in the Bank’s name; o Collect only those debts which the Bank originated (including debts the Bank originated and sold but still services, but excluding debts the Bank services but did not originate); and o If the Bank chooses to utilize an outside collection agency, the agency must provide satisfactory proof of being licensed as a debt collector in the applicable jurisdictions.

Member with $ over $1b million in assets
Located in the Northeast

150 points

Non-RE Loan Compliance Worksheet

This is a very detailed worksheet to print off when auditing non-Real Estate loans (consumer or commercial) for compliance. It is in excel so it can be customized. For Real Estate Loans, see the RE Loan Compliance Worksheet.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Enterprise Level Risk Assessment

The Enterprise Level Risk assessment takes risk factors and allows you to rate them high medium or low. This auto generates an inherent risk value that is weighted based on the severity of the risk. From there we can mitigate the risk with controls. I like what I have done with this but would love to know if anyone has made any improvements to it. Just note it in the comments if you think it needs something. I have tried to sanitize the document yet leave some of our data in there to try and help stimulate ideas. I know when we started doing our ERA, we just didn't know where to start. We will be audited next month, so hopefully the regulators like it.

Member with $ between $250m - $500m million in assets
Located in the Southeast

300 points

Loan Annual Review Form

This is a simple, easy to use, quick and dirty annual review form for loans. The template is simple, but can be modified to include any additional ratio's or benchmarks you'd like to add. Most annual review forms are very lengthy and almost require a re-underwriting of the credit. I wanted something simple that would tell me quickly if we had a problem and then we can escalate it further if we find too many problems.

Member with $ under $250m million in assets
Located in the West

50 points

Social Media Risk Assessment

Social Media risk assessment covering the implementation considerations to be considered for bank's entering social media for the first time.

Member with $ over $1b million in assets
Located in the Northeast

750 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

FACTA & Red Flags Training Test

These are questions geared towards testing your staff's knowledge on FACTA and Red Flags. There is a training power point that goes with this test under FACTA and Red Flags Training PP.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Job descriptions (CEO, CFO, CAO, CLO)

Job descriptions for CEO, CFO, CAO, CLO

Member with $ between $500m - $1b million in assets
Located in the Northeast

250 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Social Media Risk Assessment

This is the bank's 2012 risk assessment of Facebook as a marketing channel. The document details all processes and risks we've identified within the space, along with the controls in place to mitigate those risks. Note that the original document is an Excel spreadsheet and includes formulas that help us rank and score risks within business units and among business units. While scores are visible in the PDF document that is attached, our formulas are not. This risk assessment has received nods from both our internal and external auditors.

Member with $ between $250m - $500m million in assets
Located in the Northeast

200 points

HMDA Procedures

These HMDA procedures are very comprehensive and based on years of experience in examining and auditing this area as well as training (see preview Table of Contents). Each LAR requirement is detailed and several Exhibits are included (HMDA Quick Reference Guide can be separately emailed upon request since not included).

Member with $ under $250m million in assets
Located in the Southeast

500 points

Incentive Plan for Commercial Relationship Managers

Commercial Relationship Manager Incentive Plan. This is a one page incentive plan designed to bring relationships to the bank rather than having a separation between depositors and loan clients.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

Ability to Repay 8 Required Factors Check Sheet

Ability to Repay 8 Required Factors Check Sheet, one column lists the requirements and the other column list a verification check list for each requirement. This is a user friendly check sheet.

Member with $ under $250m million in assets
Located in the Southwest

150 points

Request for more Info

This is one page long. This form can be used for several things that need to be included with the loan packages. When a second request is necessary, we stamp 2nd Request in red and send the letter again, followed by the lender placing a phone call to the customer.

Member with $ under $250m million in assets
Located in the Southeast

25 points

Risk Assesment Template

Excel template for a Risk Assessment including columns to assess control risk, probablility and business impact areas. Each bank will need to define how they would like to scale each of these three risk factors. Thess three risk factors should be assessed based on the inherent risk, mitigating procedures and controls, and how many business areas are affected. For our purposes, we defined 4 key business impact areas: Front line, Operations, Reputational, and Compliance (FORC). Email me if you'd like a copy of our Risk Program Overview explaining how we scaled risk.

Member with $ under $250m million in assets
Located in the Northeast

75 points

Reg O Training- for board

You may want to add Bank specific legal lending limits, as well as, who all falls under Regulation O at your institution.

Member with $ between $500m - $1b million in assets
Located in the Southeast

150 points

Fair Lending Risk Assessment

Two tabs to the file- Fair Lending Risk Assessment and Fair Lending Review

Member with $ under $250m million in assets
Located in the Midwest

250 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

CD Renewal Disclosure (Greater than 12 Months)

This is a CD TIS renewal disclosure that is sent for CDs with terms greater than 12 months, which Regulation DD requires. You will need to customize the language for your bank's terms. No concerns have been noted from auditors or examiners with the form.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Heartbleed notice

Notice posted to website and sent via email to members regarding security vulnerability

Member with $ between $250m - $500m million in assets
Located in the West

50 points

Product Risk Assessment procedures

This is a simple procedure for analysis of a new product or service. We originally sought this out to document analysis of new loan products but it is generic enough to use for other things.

Member with $ under $250m million in assets
Located in the West

100 points

Overdraft Policy

POLICY EVERY DAY ITEMS ARE PRESENTED FOR PAYMENT AGAINST CUSTOMER'S ACCOUNTS. IF THERE ARE NOT SUFFICIENT FUNDS IN THE ACCOUNT AT THE TIME THESE ITEMS ARE PRESENTED, IT WILL CAUSE THE ACCOUNT TO BECOME OVERDRAWN (IN A NEGATIVE BALANCE). WHEN THIS OCCURS, IT IS NECESSARY TO MAKE THE DECISION WHETHER TO EXTEND CREDIT TO THE CUSTOMER BY APPROVING PAYMENT OF THE CHECKS OR WHETHER TO RETURN THE ITEMS TO THE PAYEE.

Member with $ between $250m - $500m million in assets
Located in the West

400 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

ACH Risk Assessment Sample

This is only a small sample from an ACH risk assessment to help answer a question about formatting.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Advertising-Marketing Compliance Checklist

Checklist that addresses Advertising-Marketing Compliance. Cover sheet that is supported by a seperate excel tab/worksheet for general, deposit and lending advertising.

Member with $ under $250m million in assets
Located in the West

200 points

Online Banking Policy

Good policy since online banking is becoming a big product

Member with $ under $250m million in assets
Located in the Midwest

100 points

Online Banking Policy

This policy was created by the Online Banking Coordinator, IT Director, and Compliance Officer. This policy is reviewed annually by the Risk Committee, and the Board of Directors.

Member with $ between $500m - $1b million in assets
Located in the Midwest

400 points

UDAAP Policy

This UDAAP Policy is 6 pages long and has been reviewed by an external compliance auditor. There were a few minor recommendations made which have been incorporated into this policy. Written by a compliance officer - it combines material from several UDAAP policies into one.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Annual Information Security Briefing Power Point Presentation

Talking points slide for compliance with annual information security training requirements.

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed notice

Notice posted to website and sent via email to members regarding security vulnerability

Member with $ between $250m - $500m million in assets
Located in the West

50 points

UDAAP

UDAAP Compliance Program Procedure is 7 pages long. It is a sample that I received from someone else. We will be tweeking it and using it.

Member with $ between $250m - $500m million in assets
Located in the Southwest

150 points

Heartbleed notice

Notice posted to website and sent via email to members regarding security vulnerability

Member with $ between $250m - $500m million in assets
Located in the West

50 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

ISO Job Description

Information Security Officer job description outlining the roll and responsiblity of the position.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed notice

Notice posted to website and sent via email to members regarding security vulnerability

Member with $ between $250m - $500m million in assets
Located in the West

50 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Social Media Program

Example Social Media program in response to new guidance out in 2013

Member with $ under $250m million in assets
Located in the Midwest

300 points

Social Media For Business Purposes Policy

This Social Media For Business Purposes Policy is a brief policy written for a community bank that primarily uses social media for brand awareness and community interaction, rather than advertisement purposes.

Member with $ between $250m - $500m million in assets
Located in the Midwest

250 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Sample Social Media Policy

This Social Media Policy was written as a result of combining ideas from sample policies from different institutions and from various vendor webinars on the topic. The policy was looked at during a recent State exam and examiners were pleased with the topics addressed as of the date of the exam.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Flood Coverage Worksheet - Interactive

This Flood Coverage Worksheet can be used to determine the required amount of flood insurance, both at the time of origination and throughout the servicing of the loan. It is an interative spreadsheet - fill in the yellow fields with your loan information, and the blue fields automatically calculate. The spreadsheet compares the lesser of the loan amount/replacement cost and the maximum allowable insurance. It also allows up to 4 residential / commercial buildings. It will then tell you if insurance is adequate based on the comparison. A short reminder checklist at the bottom is included to document the expiration date, zone codes, document retention, etc. This has helped our servicing staff and has been put through several compliance audits and an OTS and OCC examination.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

Social Media Policy.rtf

Social Media Policy for a bank that does not use social media. This is same as before, I just changed it to a rich text format, some were having issues opening the file.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Accountant Contact Authorization Form

This form is signed at closing by borrowers and used to authorize future contact with their accountant. If we had a contest with our Loan Officers and Credit Analysts, this form would surely be voted most favorite form. Every year, after tax season we fax these en masse to accountants and get almost 100% response of tax returns and financial statements. It is a big time saver.

Member with $ under $250m million in assets
Located in the Midwest

50 points

IT Patches & Updates Policy

A simple and straightforward IT Patches & Updates policy suitable for a smaller bank without a formal IT department.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Heartbleed notice

Notice posted to website and sent via email to members regarding security vulnerability

Member with $ between $250m - $500m million in assets
Located in the West

50 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Fair Lending Second Review

The purpose of the Fair Lending Second Review is to ensure that lending standards are applied fairly and uniformly to all applicants. It is a safety net that attempts to prevent discrimination, and does not involve underwriting terms or practices that are preferential on a prohibited basis. A review is to be performed on each loan that is recommended for denial.

Member with $ under $250m million in assets
Located in the Midwest

50 points

New/Discontinue Product-Service, Infrastructure Evaluation Packet

New/Discontinue Product, Infrastructure Evaluation Packet. This contains the following documents: 1) New Product or Service Evaluation 2) Discontinuation of Product or Service Evaluation 3) Infrastruture Evaluation 4) Risk Assessment Worksheet 5) Project/Task Worksheet Template

Member with $ under $250m million in assets
Located in the West

400 points

Negotiable Collateral / Collateral Vault Procedures Template

This document can be used as a template for your own negotiable collateral/collateral vault procedures. Our external auditing company felt that the procedures were exceptional. Since implementation, we have had no issues with inconsistencies between our files and our collateral vault. This could be tweeked to accomodate different collateral vault locations and procedures. It may only take minor tweeking to change responsibilities and details.

Member with $ under $250m million in assets
Located in the Midwest

300 points

Security Report Template

This report will help you know what needs to be included in your yearly security report to the board. This report has received a satisfactory feedback from auditors with no exceptions.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Mobile Device Authorization Form

This mobile device authorization form is used in conjunction with our mobile device policy and allows for BYOD.

Member with $ between $500m - $1b million in assets
Located in the Midwest

50 points

Mobile Device Policy for BYOD

This mobile device policy was drafted to allow for BYOD within our organization.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Mobile Device Policy and FAQ

These 2 documents serve as our internal mobile device policy and FAQ.

Member with $ between $500m - $1b million in assets
Located in the Southeast

200 points

ACH Origination Agreement

This updated ACH Agreement incorporates recent rules changes, including authorization requirements, IAT processing, right to audit, etc.

Member with $ under $250m million in assets
Located in the Midwest

200 points

Apr 14

88 purchases

Business Debit Card Agreement

This Business Debit Card agreement is 4 pages long with the last page serving as the application form for the business to complete for each cardholder.

Member with $ between $500m - $1b million in assets
Located in the West

200 points

Internal Audit Risk Assessment and Schedule

This includes internal audit risk assessment work sheets, summary page with every area risk rating and a three year internal audit schedule that is based on the risk rating. This document was designed by senior Internal Auditor with 10 years experience. Our FRB examiners liked this version. Table of Contents: 1. Calendar 2. Summary Sheet 3. Data Sheet - Accounting an Administration 4. Data Sheet - Compliance 5. Data Sheet - Lending 6. Data Sheet - Operations

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

FDIC Compliance Management Program

I downloaded this from the FDIC website. If the document doesn't work, you can find the manual there. UPDATE: It seems some people were having trouble downloading this file due to its size. I have replaced the document with a zipped file of the same manual. If you have trouble downloading it, please contact the Cbanc support team. They can send it to you directly.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Concentration of Credit

Concentration of Credit This is out of our loan policy and has been board approved and through audits.

Member with $ under $250m million in assets
Located in the Southwest

50 points

Heartbleed notice

Notice posted to website and sent via email to members regarding security vulnerability

Member with $ between $250m - $500m million in assets
Located in the West

50 points

Remote Deposit Capture Risk Assessment (For Customer, not Branch)

This is a Risk Assessment template for Remote Deposit Capture customers that may be able to be modified for Branch Capture.

3rd Party Content

200 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Reg O Training- for board

You may want to add Bank specific legal lending limits, as well as, who all falls under Regulation O at your institution.

Member with $ between $500m - $1b million in assets
Located in the Southeast

150 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Estatement Consent and Agreement

This is our Electronic Delivery of Bank Statements Consent and Agreement form. The form contains sections on customer consent, requirements, privacy, service availability, security, limit of liability, notices, arbitration, governing laws, etc. The customer receives an email notice stating their estatment is available, then they log into internet banking to view/download their estatement. This has been approved by the FDIC.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Flood Coverage Worksheet - Interactive

This Flood Coverage Worksheet can be used to determine the required amount of flood insurance, both at the time of origination and throughout the servicing of the loan. It is an interative spreadsheet - fill in the yellow fields with your loan information, and the blue fields automatically calculate. The spreadsheet compares the lesser of the loan amount/replacement cost and the maximum allowable insurance. It also allows up to 4 residential / commercial buildings. It will then tell you if insurance is adequate based on the comparison. A short reminder checklist at the bottom is included to document the expiration date, zone codes, document retention, etc. This has helped our servicing staff and has been put through several compliance audits and an OTS and OCC examination.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

Qualified Mortgage Points & Fees Thresholds Worksheet

This Qualified Mortgage Points & Fees Threshold Worksheet will assist you in calculating your points & fees threshold limits & will inform you if you are in or out of compliance with this aspect of the QM rules.

Member with $ under $250m million in assets
Located in the Southeast

200 points

Remote Deposit Capture Policy

Three page policy and approval form for Remote Deposit Capture

Member with $ under $250m million in assets
Located in the West

250 points

Mobile Banking Agreement

This is a 7 page document that was created by the collaboration of many people. This explains the agreement between your mobile user and your institution. Please also see Mobile Deposit Agreement if your institution offers mobile remote deposit capture. It is recommended to have an attorney review the document to ensure state laws are met.

Member with $ under $250m million in assets
Located in the Midwest

100 points

HMDA Data Collection & Verification Form

After having to resubmit our HMDA data, the examiners “suggested” that we set up a verification process where a second person would check the HMDA data. We created this form for both parties to collect and cross check the HMDA data. The form can be filled out on a computer or printed and filled out manually. The form is long at 4 pages, but could be condensed if smaller font and row height were used.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Reg CC Deposit Hold Notice

Reg CC Deposit Hold Notice. Revised and updated Jan 2011 and reviewed by our FDIC compliance examiner for completeness. Easy for tellers to complete and for customers to understand.

Member with $ under $250m million in assets
Located in the Midwest

150 points

GMI form

GMI form to collect government monitoring information. Free from bankers on line.

Member with $ under $250m million in assets
Located in the Southeast

FREE

2012 File Specifications

FFIEC file specs for 2012 HMDA.dat file Reposted from the FFIEC website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

Reg CC - Exception Holds Chart

I have found this Reg CC Holds chart that we have been using for the last 20 years is the easiest to navigate through. I have made some changes by having it to apply to exception holds only, and have made the changes from the last update to the regulation.

Member with $ under $250m million in assets
Located in the Southwest

50 points

Appraisal Engagement Letter

The Bank hereby engages the services of to prepare a written narrative appraisal report (the "Appraisal") of the above captioned real property. The terms and conditions of this engagement are described below: 1. Client. Your client is (the "Bank"). Attention: , Commercial Real Estate Analyst. 2. Appraiser. The Appraisal is to be prepared by ____________________ (the "Appraiser"). 3. Your contact for access to the property is _____________ Tel: ___________. 4. Other Consultants. If the Appraiser requires professional assistance from others, those individuals shall be satisfactory to the Bank and their fees and expenses shall be included in the fees and expenses paid to the Appraiser by the Bank. 5. Subject Property. The real and other property described on Exhibit B attached hereto. 6. Effective Date. The effective date of the Appraisal shall be the last date on which the Appraiser personally inspects the subject property. 7. Purpose of the Appraisal.

Member with $ over $1b million in assets
Located in the Northeast

100 points

Finanace charge spreadsheet

Listing of common fees paid in a real estate transation and where or not it is a finance charge. Reposted from Bankers Online website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

Appraisal Letter of Engagement

Letter of Engagement for consumer/ag property is 2 pages. Letter for income producing property is 4 pages. Updated for USPAP but not reviewed by regulators.

Member with $ under $250m million in assets
Located in the Southwest

50 points

Heartbleed notice

Notice posted to website and sent via email to members regarding security vulnerability

Member with $ between $250m - $500m million in assets
Located in the West

50 points

Teller Policy and Procedures

Teller Operating Policy and Procedures is 21 pages long. It was written to give clear and percise guidance to tellers regarding acceptable practices. This document has also served as a tool for measuring performance. Great for tellers that are new to the field.

Member with $ under $250m million in assets
Located in the Southwest

400 points

Reg E disputes/error Log

We have been repeatedly complimented by the examiners (both internal and external)on the Reg E Error Log that we created to log in all customer disputes that fall under the Reg E.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed notice

Notice posted to website and sent via email to members regarding security vulnerability

Member with $ between $250m - $500m million in assets
Located in the West

50 points

Advertising-Marketing Compliance Checklist

Checklist that addresses Advertising-Marketing Compliance. Cover sheet that is supported by a seperate excel tab/worksheet for general, deposit and lending advertising.

Member with $ under $250m million in assets
Located in the West

200 points

ATR Worksheet for small creditor QM Balloon loan

My bank will provide small creditor QM balloon loans until 1/2016. We will not do HPML loans. I designed this Excel worksheet (with a sample and instructions) to address the eight underwriting standards for my lenders to use. This worksheet also addresses the copy of the appraisal delivery requirement, book and homeowner counseling list requirement, terms and rate requirement (remember to establish a minimum term of 61-62 months if you are doing a balloon loan - 60 months from the first payment date is the minimum), employment and credit history requirement, and both the DTI and residual income. The eight requirements are indicated by a corresponding red number listed under the sample. I apologize that the spreadsheet was in a newer version of Excel. I have made available an older version - Excel 97-2003. If you have any problems, please email me before you leave unpleasant feedback. This was not done intentionally. I am learning how to post to cbanc to help others. Thanks.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Risk Management Policy

The management of risk has always been an important responsibility of the board of directors and management of financial institutions. However, the past several years have brought the following: increasingly sophisticated financial instruments and products introduced in the marketplace, the proliferation of competition from non-traditional sources (i.e., brokerage firms, credit unions, insurance companies, etc.), III. RISK IDENTIFICATION Another key element of a successful risk management program is risk identification. If the bank is faced with serious risks that are unidentified, then no program can be developed to control these risks. The end result could be catastrophic.

Member with $ between $250m - $500m million in assets
Located in the West

350 points

Flood Coverage Worksheet - Interactive

This Flood Coverage Worksheet can be used to determine the required amount of flood insurance, both at the time of origination and throughout the servicing of the loan. It is an interative spreadsheet - fill in the yellow fields with your loan information, and the blue fields automatically calculate. The spreadsheet compares the lesser of the loan amount/replacement cost and the maximum allowable insurance. It also allows up to 4 residential / commercial buildings. It will then tell you if insurance is adequate based on the comparison. A short reminder checklist at the bottom is included to document the expiration date, zone codes, document retention, etc. This has helped our servicing staff and has been put through several compliance audits and an OTS and OCC examination.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

Online Banking Risk Assessment

Online Banking Risk Assessment in compliance with the new FFIEC guidance(FIL-50-2011) Basic Risk assessment reviewing FI’s online banking environment & risk management systems, assigning risk rating on Threats/vulnerabilities, and evaluating Control effectiveness.

Member with $ between $250m - $500m million in assets
Located in the West

200 points

TISA

This document is one page. There is one like it also available for IRA's.

Member with $ between $250m - $500m million in assets
Located in the Southwest

FREE

Monthly Branch Security Checklist

Monthly branch checklist for security. Here is an example of a question: 12. Was exterior lighting observed after dark at least twice during the month? Any malfunctioning lights should be reported to Facilities.Date of observation: _________________________Observer: _________________________________Date of observation: ________________________Observer: ________________________________

Member with $ between $500m - $1b million in assets
Located in the Midwest

250 points

ATR Checklist w/bonus Small Creditor Checklist

This is an excel spreadsheet with tab for ATR checklist that can be printed and put into your loan files for compliance. It does cover all 8 points so you don't have to worry. There is also a tab for Small Creditor QM checklist, again for proof of compliance. No fields are blocked so you can modify to fit your needs.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

OPS Manager Description

Operations Manager Job Description

Member with $ between $250m - $500m million in assets
Located in the Southeast

5 points

Advertising Checklist

Advertising Checklist is 22 pages long and covers advertising on the following topics Defining Advertising General Requirements Lending Advertisements - Closed End Credit Lending Advertisements - Open End Credit Deposit Advertisements Broadcast, Electronic, or Outdoor Media (Deposits) Indoor Signs (Deposits) Overdraft Services Advertising Nondeposit Investment Products (including Brokerage, Insurance, Annuities) CAN-SPAM Act Email Unfair, Deceptive, Abusive Acts or Practices “UDAAP” Using the FDIC Logo Fair Lending

Member with $ over $1b million in assets
Located in the Midwest

500 points

Operations Officer Job Description

This is a job description we utilize for our Operations Officer position. This position oversees operations and is the manager of the bookkeepers of the bank.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Reg DD Policy - Truth in Savings

This Reg DD policy is 39 pages long. It was written by our Vice President of Deposit Operations. The policy has been reviewed by our auditors and FDIC examiners.

Member with $ under $250m million in assets
Located in the Southwest

400 points

Ability to Repay 8 Required Factors Check Sheet

Ability to Repay 8 Required Factors Check Sheet, one column lists the requirements and the other column list a verification check list for each requirement. This is a user friendly check sheet.

Member with $ under $250m million in assets
Located in the Southwest

150 points

Flood Coverage Worksheet - Interactive

This Flood Coverage Worksheet can be used to determine the required amount of flood insurance, both at the time of origination and throughout the servicing of the loan. It is an interative spreadsheet - fill in the yellow fields with your loan information, and the blue fields automatically calculate. The spreadsheet compares the lesser of the loan amount/replacement cost and the maximum allowable insurance. It also allows up to 4 residential / commercial buildings. It will then tell you if insurance is adequate based on the comparison. A short reminder checklist at the bottom is included to document the expiration date, zone codes, document retention, etc. This has helped our servicing staff and has been put through several compliance audits and an OTS and OCC examination.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Business Continuity Testing scenarios and report template

I conduct a branch or department testing at least once a month. It is a challange to present scenarios that are plausible so that the employees will truly get engaged. I have compiled a simple outline of 6 scenarios that you could use to train/test your employees. Training consists of outlining scenario and then determining how the employees would handle the situation. Proper documentation after the training has made this favorable for audit purposes.

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Training Agenda - Teller

This training agenda was created as a guide in training a new teller. It's in a simple format that allows the trainer and/or mentor to monitor and document progress during the probationary period.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

Non-RE Loan Compliance Worksheet

This is a very detailed worksheet to print off when auditing non-Real Estate loans (consumer or commercial) for compliance. It is in excel so it can be customized. For Real Estate Loans, see the RE Loan Compliance Worksheet.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Non-RE Loan Compliance Worksheet

This is a very detailed worksheet to print off when auditing non-Real Estate loans (consumer or commercial) for compliance. It is in excel so it can be customized. For Real Estate Loans, see the RE Loan Compliance Worksheet.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed notice

Notice posted to website and sent via email to members regarding security vulnerability

Member with $ between $250m - $500m million in assets
Located in the West

50 points

Fair Lending Risk Assessment

This Fair Lending Risk Assessment identifies many key areas of FL Risk and rates them based on a number of key regulatory factors (Overt, Redlining, Underwriting, Steering, etc.). This Risk Assessment was recently reviewed by the FDIC during a compliance exam and no issues were noted. Bank-Specific policy and procedure has been removed from this template for you to add in your own information.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Vendor Management Review template

I created this template for vendor management annual reviews. It has been through our Board Audit committee and received positive comments.

Member with $ under $250m million in assets
Located in the West

100 points

BSA Officer Job Description

This is a BSA Officer job description which includes basic qualifications and overall job responsibilities and duties.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Vendor Contract Review List

This form has been used by large and small financial institutions and has been accepted by the regulators.

Member with $ under $250m million in assets
Located in the West

150 points

Garnishments & IRS Levies

This is our Policy/Procedure for handling Garnishments and IRS Levies in the surrounding mid-Atlantic states (& DC). It incorporates the changes in the law regarding Retirement pay that was effective in April 2011.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

CATO Incident Response Plan

This is our Bank's CATO Incident Response Plan

Member with $ between $500m - $1b million in assets
Located in the Southwest

200 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

BSA Officer Job Description

This is a BSA Officer job description which includes basic qualifications and overall job responsibilities and duties.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Flood Coverage Worksheet - Interactive

This Flood Coverage Worksheet can be used to determine the required amount of flood insurance, both at the time of origination and throughout the servicing of the loan. It is an interative spreadsheet - fill in the yellow fields with your loan information, and the blue fields automatically calculate. The spreadsheet compares the lesser of the loan amount/replacement cost and the maximum allowable insurance. It also allows up to 4 residential / commercial buildings. It will then tell you if insurance is adequate based on the comparison. A short reminder checklist at the bottom is included to document the expiration date, zone codes, document retention, etc. This has helped our servicing staff and has been put through several compliance audits and an OTS and OCC examination.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

Heartbleed Notice

This is our bank's notice to our eBanking customers.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

CATO Policy

This is a CATO (Corporate Account Takoever) Policy

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Corporate Account Takeover Risk Assessment

The Texas Department of Banking (DOB) issued Supervisory Memorandum 1029: Standards for the Risk Management of Corporate Account Takeovers. The Memorandum, along with extensive “Best Practices”, provides banks with a roadmap and tools to counter the increasing occurrence of this type of cybercrime. This material was developed by a Task Force comprised of representatives from the DOB, U.S. Secret Service, and the banking industry. Additional information regarding the Task Force, process and related resources are available online.

Member with $ between $250m - $500m million in assets
Located in the Southwest

FREE

Corporate Account Takeover (CATO) FFIEC Customer Awareness and Education Script for On-Site Visits

In order to comply best with Texas Department of Banking Supervisory Memorandum - 1029, "Standards for the Risk Management of Corporate Account Takeovers" and with the FFIEC Supplement addressing customer awareness and education, I have developed a script that addresses: Warning Signs of Potentially Compromised Computer System, Best Practices for Safe Business Online Banking, and What To Do If You Are a Victim of Corporate Account Takeover (CATO). My bank has decided to conduct personal on-site visits with its corporate customers. This script will be used by the business development officers that will be making the on-site visits with business banking clients. It can be left with the corporate customer, or one could add an acknowledgement line and have your corporate Admins sign it and the bank could retain it as proof of the bank's efforts regarding CATO and FFIEC customer awareness and education training. Keep in mind that as the threat environment changes, this document may need

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Social Media Policy.rtf

Social Media Policy for a bank that does not use social media. This is same as before, I just changed it to a rich text format, some were having issues opening the file.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Identity Theft Red Flag Annual Report to the Board of Directors

This is an updated version to accomplish the Annual Board Report for a Bank or credit Union's Identity Theft Red Flag Program. While we received compliments on the content, they encouraged us to make changes. They really liked our comparison data and rolling three year audit results presentation (data in template is for example purposes only). Enhancements were made to address/implement examiners's best practices details that they would prefer to see to adequately evidence a "Complete" Annual Report. Vendor Oversight, new products, services etc and breaking out topics to their individual sections.

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

CRA Data Collection Form

Form for capturing data for CRA data reporting purposes.

Member with $ under $250m million in assets
Located in the West

50 points

Incident Response Policy

Incident Response Policy has passed thru all our exams

Member with $ under $250m million in assets
Located in the Midwest

200 points

Remote Deposit Capture Annual Customer Audit and Training

Letter, audit certification and training document that can be mailed or hand delivered to your Remote Deposit Capture customers annually to help satisfy the new FFIEC Guidance requirements.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

Deposit Operations Risk Assessment and Audit Schedule

This excel spreadsheet lists the areas of the bank (general ledger accounts, internal DDA accounts, logs, etc.) that are internally audited. Each item is assigned a risk category and an audit frequency.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Reg O Training- for board

You may want to add Bank specific legal lending limits, as well as, who all falls under Regulation O at your institution.

Member with $ between $500m - $1b million in assets
Located in the Southeast

150 points

ACH Risk Assessment Sample

This is only a small sample from an ACH risk assessment to help answer a question about formatting.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Apr 13

2 purchases

ACH Risk Assessment

This assessment was written by our compliance committee and ACH personnel. It includes threats, risk ratings and controls.

Member with $ over $1b million in assets
Located in the Midwest

150 points

ACH Risk Assessment Sample

This is only a small sample from an ACH risk assessment to help answer a question about formatting.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Apr 11

54 purchases

Deposit Operations Risk Assessment and Audit Schedule

This excel spreadsheet lists the areas of the bank (general ledger accounts, internal DDA accounts, logs, etc.) that are internally audited. Each item is assigned a risk category and an audit frequency.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Liquidity Analysis Worksheet

This One-page liquidity worksheet was developed by a group of CFOs at a bank conference as a quick dashboard style tool that would be appropriate for including in the monthly Board book and also to share with Examiners. We have used it for 3 years and consistently get positive remarks from regulators.

Member with $ between $500m - $1b million in assets
Located in the Southeast

250 points

CATO Policy

This is a CATO (Corporate Account Takoever) Policy

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Flood Insurance Policy

This is a 3-page Flood Disaster Protection Act Policy that is approved annually by our Board. It covers the purpose of the regulation, includes a policy statement for areas of compliance, and also notes compliance responsibilities.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Flood Audit Workpapers

Worksheet used to as a checklist for a flood compliance audit and to document findings.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Vendor Review Matrix

Spread sheet to be used for tracking as part of a Vendor Management Program.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Advertising-Marketing Compliance Checklist

Checklist that addresses Advertising-Marketing Compliance. Cover sheet that is supported by a seperate excel tab/worksheet for general, deposit and lending advertising.

Member with $ under $250m million in assets
Located in the West

200 points

Appraisal Policy

This Appraisal Policy is 12 pages long. It was written by our compliance officer with 25 years experience in compliance and as a safety and soundness examiner for the OTS and OCC.

Member with $ under $250m million in assets
Located in the Northeast

600 points

Data Classification Policy

The policy is designed to educate the employees about the importance of protecting data generated, accessed, transmitted and stored by the Bank; to identify procedures that should be in place to protect the confidentiality, integrity and availability of data; and to comply with regulations regarding the safeguarding of privacy and confidentiality of information.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Appraisal Policy

This Appraisal Policy is four pages long and is an addendum to the Bank's Loan Policy. It was written by the Senior Asset Manager and incorporates the 12/2/10 Interagency Guidelines. The Appraisal Policy has been reviewed by FDIC examiners.

Member with $ between $500m - $1b million in assets
Located in the Midwest

150 points

Fair Lending Risk Matrix

This is a three page assessment identifying basic Fair Lending parameters, with low, medium, high indicators. First two pages are the matrix. Third page is a summary of the matrix. For use by small banks. OCC approved.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Sample Mobile Banking Risk and Control Assessment

The purpose of this risk assessment is to analyze potential risks arising from the new mobile banking services to enable and evidence final approval of the offering by Management and the Board of Directors.

Member with $ between $500m - $1b million in assets
Located in the West

600 points

INTERNET BANKING POLICY

OPENING PARAGRAPHS OF POLICY (APPROVED BY OUR BOARD 5/2010) PURPOSE New and innovative products will be offered by the bank to satisfy the needs of customers and to stay competitive in the marketplace. By offering Internet Banking, a growing and competitively required delivery channel for services will be available. Internet Banking will allow customers to view account balances, manage liquidity and transfer funds between their accounts and perform other functions introduced by the Bank in a safe and secure environment. Prospects will be able to apply for new accounts and some types of loans and request specific product information. In the future, additional types of banking services will be offered on the Internet. It is important for the bank to adequately determine the level of risk that is brought about by Internet Banking. These risks must be effectively managed. Some of the risk may include line security, phishing and identity theft scams, cyber crimes, fraudulent reques

Member with $ between $500m - $1b million in assets
Located in the Southwest

200 points

New Deposit and Loan Account Risk Assessment Matrix

These matrices are utilized during the new account process. They include many risk indicators and a scoring system to help identify high risk accounts. Additional worksheets and procedures for high risk accounts is under a separate offering in the same category. These matrices have been reviewed in many OTS and a recent OCC examination. Also see Risk Rating Procedures and Worksheets for ongoing monitoring of high risk accounts.

Member with $ under $250m million in assets
Located in the Northeast

150 points

Remote Deposit Capture Policy

This has been through and FDIC exam.

Member with $ under $250m million in assets
Located in the Northeast

500 points

314B Information Sharing

314B procedures were created by the compliance officer in response to an audit finding. It spells out under what conditions the BSA officer can share information and the timing in which the information will be provided.

Member with $ under $250m million in assets
Located in the Northeast

100 points

Garnishments & IRS Levies

This is our Policy/Procedure for handling Garnishments and IRS Levies in the surrounding mid-Atlantic states (& DC). It incorporates the changes in the law regarding Retirement pay that was effective in April 2011.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Change of Address Confirmation Letter

Confirmation letter that is required to be sent to the current and previous address.

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

Garnishment worksheet for federal benefits

This is a two-per-page form used to quickly and easily calculate federal benefits for garnishment purposes. Includes calculation of look-back period, and tickler for notice to customer.

Member with $ under $250m million in assets
Located in the Midwest

25 points

BSA Training for Directors

This is a 13 page powerpoint presentation that provides the Board general informaiton on BSA/AML/OFAC. I usually supplement it with verbally presented examples of AML cases and civil money penalties assessed to banks for inadequate BSA programs.

Member with $ under $250m million in assets
Located in the West

100 points

Br Mgr Control Review Worksheet

Branch Manager Control Review Worksheet

Member with $ under $250m million in assets
Located in the Southeast

100 points

Change of Address Procedures

Change of address procedures.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

ACH Risk Assessment

ACH Risk Assessment

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Audit/Exam Exception Tracking Workbook

Use this to keep track of all exam, internal audit, and external audit findings and recommendations, gather management responses, follow-up to resolution, and report to the Audit Committee/BOD. Includes instructions for the auditor and management.

Member with $ between $250m - $500m million in assets
Located in the Southwest

400 points

GLBA-Annual Report to the Board of Directors

This document satisifies the GLBA required annual report to the board. Is simple, but includes all of the required notifications. Is well-received by auditors and FDIC examiners. Bank size is 0-$250M

Member with $ under $250m million in assets
Located in the Midwest

100 points

Medallion Signature Guarantee Procedures

A good starting template for developing procedures for your branch offices for use of the Medallion Guarantee Stamp.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Business Expense Policy

This policy is provided to all our employees and it sets our policy for reimbursement of business expenses as well the utilization of corporate credit cards (for those employees that have one).

Member with $ under $250m million in assets
Located in the Southwest

375 points

ATM Dual Control Policy

This is a straight-forward listing of responsibilities, expectations and steps for carrying out dual control when working with the ATM.

Member with $ over $1b million in assets
Located in the Midwest

100 points

Change Control Policy

This Change Control Policy is 5 pages long and was written by the Director of IT in conjunction with our external audit firm. It outlines the process for managing change withing the IT envioronment.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Disaster Recovery Plan

A complete disaster recovery plan honed over a period of decades. It has been gone over page by page to remove references to the personnel and locations of the creating bank as well as references to the bank itself. it should provide an excellent framework for those starting from scratch or starting over.

Member with $ under $250m million in assets
Located in the Midwest

1000 points

Consumer Real Estate Compliance Checklist

I often forget to check the little things. And the little things are what get us dinged. So I've made my own checklist which helps me member the little things. Hopefully it will help you too.

Member with $ under $250m million in assets
Located in the Southeast

250 points

Remote Deposit Capture Annual Customer Audit and Training

Letter, audit certification and training document that can be mailed or hand delivered to your Remote Deposit Capture customers annually to help satisfy the new FFIEC Guidance requirements.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

ASC 310-40 FKA FAS 114 Worksheet

Impairment worksheet for a single impaired loan. Easy to use. Favorable review from examiners. Fill in for each impaired loan. Makes it clear why the loan is considered impaired and how the impaired amount was arrived at. ASC 310, FAS114, ALLL

Member with $ under $250m million in assets
Located in the Midwest

50 points

New Mortgage Rules checklist

This checklist assists lending personnel in complying with the new mortgage rules that became effective January 2014.

Member with $ over $1b million in assets
Located in the Southeast

500 points

Flood Coverage Worksheet - Interactive

This Flood Coverage Worksheet can be used to determine the required amount of flood insurance, both at the time of origination and throughout the servicing of the loan. It is an interative spreadsheet - fill in the yellow fields with your loan information, and the blue fields automatically calculate. The spreadsheet compares the lesser of the loan amount/replacement cost and the maximum allowable insurance. It also allows up to 4 residential / commercial buildings. It will then tell you if insurance is adequate based on the comparison. A short reminder checklist at the bottom is included to document the expiration date, zone codes, document retention, etc. This has helped our servicing staff and has been put through several compliance audits and an OTS and OCC examination.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

BCP Testing Form

This is a template for documenting tests of an organization's Business Continuity Plan. It begins with specific definitions of the process to be tested, and the objective of the test. It also contains sections to document procedures which were used, and conclusions of the test.

Member with $ under $250m million in assets
Located in the Southwest

50 points

Website Review Procedures

Internet Banking Compliance Checklist (Website Review - Performed Monthly)

Member with $ between $500m - $1b million in assets
Located in the West

50 points

Fair Lending Risk Assessment

This Fair Lending Risk Assessment identifies many key areas of FL Risk and rates them based on a number of key regulatory factors (Overt, Redlining, Underwriting, Steering, etc.). This Risk Assessment was recently reviewed by the FDIC during a compliance exam and no issues were noted. Bank-Specific policy and procedure has been removed from this template for you to add in your own information.

Member with $ under $250m million in assets
Located in the Midwest

250 points

BSA Officer Job Description

This is a BSA Officer job description which includes basic qualifications and overall job responsibilities and duties.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

BSA Officer Job Description

This is a BSA Officer job description which includes basic qualifications and overall job responsibilities and duties.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

FDIC Compliance Management Program

I downloaded this from the FDIC website. If the document doesn't work, you can find the manual there. UPDATE: It seems some people were having trouble downloading this file due to its size. I have replaced the document with a zipped file of the same manual. If you have trouble downloading it, please contact the Cbanc support team. They can send it to you directly.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Finanace charge spreadsheet

Listing of common fees paid in a real estate transation and where or not it is a finance charge. Reposted from Bankers Online website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

Fee Spreadsheet

Spreadsheet listing fees and HUD-1 lines and RESPA Blocks. Reposted from Bankers Online website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

New Mortgage Rules checklist

This checklist assists lending personnel in complying with the new mortgage rules that became effective January 2014.

Member with $ over $1b million in assets
Located in the Southeast

500 points

Virtualization Risk Assessment

This is an Excel Spreadsheet

Member with $ under $250m million in assets
Located in the Southwest

100 points

BSA Officer Job Description

This is a BSA Officer job description which includes basic qualifications and overall job responsibilities and duties.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Ability to Repay 8 Required Factors Check Sheet

Ability to Repay 8 Required Factors Check Sheet, one column lists the requirements and the other column list a verification check list for each requirement. This is a user friendly check sheet.

Member with $ under $250m million in assets
Located in the Southwest

150 points

ATR Checklist w/bonus Small Creditor Checklist

This is an excel spreadsheet with tab for ATR checklist that can be printed and put into your loan files for compliance. It does cover all 8 points so you don't have to worry. There is also a tab for Small Creditor QM checklist, again for proof of compliance. No fields are blocked so you can modify to fit your needs.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Consumer Credit Decision Guide

This Excel file was built in collaboration with two of our leading consumer lenders with over 20 years experience between the them. It was intended to help guide our more inexperienced consumer lenders in the ways of consumer credit decision making. It is not intended to be an absolute decision maker, but rather a guide. The file is intended as a simple "enter data, receive a suggested credit decision" tool. All of the formulas work correctly and the file is complete with drop down menus for limited selections.

Member with $ under $250m million in assets
Located in the Midwest

600 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Flood Coverage Worksheet - Interactive

This Flood Coverage Worksheet can be used to determine the required amount of flood insurance, both at the time of origination and throughout the servicing of the loan. It is an interative spreadsheet - fill in the yellow fields with your loan information, and the blue fields automatically calculate. The spreadsheet compares the lesser of the loan amount/replacement cost and the maximum allowable insurance. It also allows up to 4 residential / commercial buildings. It will then tell you if insurance is adequate based on the comparison. A short reminder checklist at the bottom is included to document the expiration date, zone codes, document retention, etc. This has helped our servicing staff and has been put through several compliance audits and an OTS and OCC examination.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

Flood Checklist

This is a one page checklist to use in files with property located within a flood plain area. It addresses initial flood documentation requirements as well as ongoing flood regulation compliance issues. Form content was viewed and approved by the FDIC.

Member with $ under $250m million in assets
Located in the Midwest

200 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Apr 10

41 purchases

Community Bank Compliance Policy

Our Compliance Policy is 6 pages long and was developed by our Compliance Officer with assistance from our external auditors. We have not received any negative criticism from examiners concerning the appropriateness of the policy for an institution of our size and complexity (6 offices).

Member with $ under $250m million in assets
Located in the Midwest

200 points

Compliance Program

Attached is a generic Compliance Program that we use. It will need to be customized to fit your institution.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Consumer Compliance Management Program

This comprehensive Consumer Compliance Management Program provides an overview of the following: a general policy, compliance responsibilities, policies and procedures, product development and planning, compliance audits and internal controls, information systems, employee training, communication, and response to complaints. It includes exhibits of various documents. It has been viewed positively by examiners.

Member with $ under $250m million in assets
Located in the Southeast

350 points

New/Discontinue Product-Service, Infrastructure Evaluation Packet

New/Discontinue Product, Infrastructure Evaluation Packet. This contains the following documents: 1) New Product or Service Evaluation 2) Discontinuation of Product or Service Evaluation 3) Infrastruture Evaluation 4) Risk Assessment Worksheet 5) Project/Task Worksheet Template

Member with $ under $250m million in assets
Located in the West

400 points

RDC - Sample Risk Assessment

Sample Risk Assessment for RDC

3rd Party Content

200 points

Reg GG Policy (Internet Gambling)

Reg GG Policy (Internet Gambling)

Member with $ under $250m million in assets
Located in the Midwest

50 points

Remote Deposit Capture (RDC) Policy

Remote Deposit Capture (RDC) Policy

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

CFPB ATR QM Rule Small Entity Compliance Guide

Posted by the CFPB, this is a Compliance Guide on the Ability to Repay and Qualified Mortgage rules.

Member with $ under $250m million in assets
Located in the Northeast

FREE

Remote Deposit Capture Policy

Three page policy and approval form for Remote Deposit Capture

Member with $ under $250m million in assets
Located in the West

250 points

Information Security Program

Written by ISO with 8 years ISO experience and 30 years IT experience. General policy that refers to other policies beneath it allowing Board to approve high level policy generally once a year even though smaller policies underneath may change more frequently. This ISP has been through 2 FDIC exams and 2 Division of Finance exams with no recommendations for improvement.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

BSA Phase 1 Exemption Review

One page form to provide documentation of Phase One BSA Exemption Review

Member with $ over $1b million in assets
Located in the West

50 points

Reg. J Checklist

Reg. J Checklist

Member with $ under $250m million in assets
Located in the Midwest

50 points

Core System Enterprise Risk Management Questionnaire

This ERM Core System Search questionnaire is 2 pages long and is used as a guide for enterprise risk management due diligence. It was written by our product development VP as a result of an extensive RFP process, and includes input from two different consultants.

Member with $ under $250m million in assets
Located in the West

100 points

Business Debit Card Disclosure Statement/Account Agreement

This disclosure, given to all business debit card applicants, informs the applicant of their rights and responsibilitues, including but not limited to Issuance of Card, Use of Card, Limitation on Card Use, Card Purpose, Order of Payment, POS Purchase Right to Stop Payment, Illegal Activities, Unauthorized Transfers/Loss or Theft/Errors, Liability, Limitation on Bank's Liability ATM Safety Tips and much more.

Member with $ between $250m - $500m million in assets
Located in the Northeast

150 points

Check Cashing Procedures

Check Cashing Procedures

Member with $ under $250m million in assets
Located in the Southwest

200 points

IT Audit Risk Assessment Strategy

This IT Audit Risk Assessment Strategy documents how the preparer formulated and explains the logic for their IT Audit Risk Assessment and is a companion to that document.

Member with $ between $500m - $1b million in assets
Located in the Southwest

200 points

Enterprise Level Risk Assessment

The Enterprise Level Risk assessment takes risk factors and allows you to rate them high medium or low. This auto generates an inherent risk value that is weighted based on the severity of the risk. From there we can mitigate the risk with controls. I like what I have done with this but would love to know if anyone has made any improvements to it. Just note it in the comments if you think it needs something. I have tried to sanitize the document yet leave some of our data in there to try and help stimulate ideas. I know when we started doing our ERA, we just didn't know where to start. We will be audited next month, so hopefully the regulators like it.

Member with $ between $250m - $500m million in assets
Located in the Southeast

300 points

Request for Information - Mobile Deposit Capture

Request for Information for Mobile Deposit Capture targeting mainly consumers with smartphones. Written by IT administrator and Operations manager with over 30+ years experience in security and ops.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Mobile Deposit Agreement

This is a 7 page document that was created by the collaboration of many people. This explains the agreement between your mobile user and your institution. Please also see Mobile Banking Agreement. It is recommended to have an attorney review the document to ensure state laws are met.

Member with $ under $250m million in assets
Located in the Midwest

100 points

E-banking risk assessment

This is a document we compiled together as a general policy for our internet banking & mobile banking products because of our set-up. Our customers have to be internet banking users before they can be mobile banking users. It is a total length of 4 pages long in which it describes a background of the bank & desription of what all our ebanking products entail. It also includes a risk matrix of our internet & mobile banking products.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

OREO Policy & Procedure

Eleven page combined Other Real Estate Owned (OREO) Policy and Procedure. Covers work out, holding period and accounting areas.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Vendor Management Policy with Due Diligence Forms

This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.

Member with $ over $1b million in assets
Located in the Midwest

600 points

Account Maintenance Form

Account Maintenance Form used for name, address, telephone number changes, etc.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Fixed Asset Policy

This policy establishes guidelines for fixed assets as it relates to purchases, maintenance of records, replacements, sales, trade-ins as well as depreciation of assets acquired by bank. The objectives of this policy are for the bank to: • Acquisitions, transfers and disposals are properly authorized • Manage the Fixed Assets Portfolio of the Bank and subsidiaries • Document the depreciation methods used for book and tax purposes • Provide accurate record keeping for inventory safekeeping purposes

Member with $ over $1b million in assets
Located in the Northeast

150 points

Troubled Debt Restructurings Checklist

All restructured loans/loan modifications should be evaluated to determine whether they should be classified as a troubled debt restructuring (TDR). The following checklist is a mechanisms to identify, monitor, and report TDRs and should be incorporated into workout processes and procedures. TDRs should be identified as part of any restructuring requests and should be accounted for and reported properly. An easy way to monitor TDRs is to add this simple checklist to all loan modifications / approvals.

Member with $ between $250m - $500m million in assets
Located in the Midwest

300 points

Appraisal Review Sheet

20 Question Appraisal Review Form

Member with $ under $250m million in assets
Located in the Midwest

50 points

Mobile Device Policy

This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

Decay Rate Spreadsheet

I use this worksheet to calculate our decay rates and beta factors for IRR using our actual closed account information. It passed our FDIC exam in December with absolutely no issues. It takes some data collection in order to see results. Because we have a unique market I broke up my accounts in to types, but it would work just using a basic breakdown of checking, savings, etc........

Member with $ under $250m million in assets
Located in the Midwest

400 points

BCP Threat Risk Assessment Matrix

This is a threat assessment of the human, natural and technical threats that could affect your institution. It rates the applicability, probability, speed of onset, forewarning, duration, impact and weighted risk of each threat. It is a part of my BCP plan and for my bank, i have one completed for EVERY branch location.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Annual GLBA Risk Assessment

An annuall Gramm-Leach-Bliley Safeguarding Customer Information Security Risk Assessment with eight defined risk catagories and mitigation strategies

Member with $ under $250m million in assets
Located in the West

1000 points

Record Retention Schedule

A useable record retention schedule.

Member with $ under $250m million in assets
Located in the West

50 points

CFPB ATR QM Rule Small Entity Compliance Guide

Posted by the CFPB, this is a Compliance Guide on the Ability to Repay and Qualified Mortgage rules.

Member with $ under $250m million in assets
Located in the Northeast

FREE

Remote Deposit Capture (RDC) Risk Assessment

This was updated March 2014 to included some additional suggestions from FDIC. 1. To address the risk of customer who use RD for several deposit accounts, and 2. to include a column for customers who were on an internal watch list. This is an excel spreadsheet that considers 18 different risk areas (applying a risk weighting score). Instructions are included on a sheet tab, and scoring key is described in each of the 18 columns. An overall risk score is calcuated allowing you to determine what is high, medium and low risk for your institution. The spreadsheet allows you to see all your RDC customers in one report. And it enables you to sort the data in various ways (example: highest to lowest risk, customers missing agreements, customers needing on-site visits, etc.).

Member with $ under $250m million in assets
Located in the Midwest

200 points

CFPB ATR QM Rule Small Entity Compliance Guide

Posted by the CFPB, this is a Compliance Guide on the Ability to Repay and Qualified Mortgage rules.

Member with $ under $250m million in assets
Located in the Northeast

FREE

Wire Transfer Internal Audit with Risk Assessment Sample

Wire Transfer Internal Audit procedure with Internal Control Questionnaire sample and Risk Assessment sample.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Loan Annual Review Form

This is a simple, easy to use, quick and dirty annual review form for loans. The template is simple, but can be modified to include any additional ratio's or benchmarks you'd like to add. Most annual review forms are very lengthy and almost require a re-underwriting of the credit. I wanted something simple that would tell me quickly if we had a problem and then we can escalate it further if we find too many problems.

Member with $ under $250m million in assets
Located in the West

50 points

BSA / AML Risk Assessment

This BSA / AML Risk Assessment is 11 pages long and addresses the various risks mentioned in the BSA/AML Manual as well as guidance. A lot of the language used in the "Perceived Threats" and "Impact/Consequence" columns is taken directly from the manual. The Mitigating Procedures & Controls have been removed, as well as the risk scores and should be filled in based on your own institution. You can create your own grading system or email me for my Risk Assessment Program Overview, which describes the system I use. This risk assessment was used in cbanc's Bankerstuff Webinar: BSA Radar for Payments as a part of their BSA SuperPolicy Toolkit.

Member with $ under $250m million in assets
Located in the Northeast

1000 points

Risk Assessment for Instant Issue Debit Cards

This risk assessment was written by a Financial Institution employee with 32 years banking experience, with 20 of those years in the Compliance Arena.

Member with $ between $250m - $500m million in assets
Located in the Midwest

1600 points

Reg GG Unlawful Internet Gambling Policy and Procedures

Unlawful Internet Gambling Policy which includes the actual bank policy which has been approved our Board of Directors and has been reviewed and approved by our external compliance auditors. It also includes our internal procedures and examples of letters that are mailed to customers with potential violations of the policy.

Member with $ under $250m million in assets
Located in the Southwest

150 points

Loan Workout Policy

Loan Workout Policy that incorporates guidance for workouts, classified assets and TDRs. Drafted by the Special Asset Manager. Has been reviewed by the FDIC and approved by the Bank's BOD.

Member with $ between $500m - $1b million in assets
Located in the Midwest

250 points

Apr 09

45 purchases

CFPB ATR QM Rule Small Entity Compliance Guide

Posted by the CFPB, this is a Compliance Guide on the Ability to Repay and Qualified Mortgage rules.

Member with $ under $250m million in assets
Located in the Northeast

FREE

Mortgage Quality Control Policy

The system also assures prompt and effective corrective measures are taken by the Company when deficiencies in the loan origination or servicing process are identified. Where a pattern of deficiencies or fraud is found, the scope of the review is expanded as warranted including an increase in the number of files reviewed as well as a more in-depth review. The following are the overriding goals of Quality Control: • To assure compliance with agency and internal origination requirements • Protect investors from unacceptable risk • Guard against errors, omissions, and fraud • Assure swift and appropriate corrective action

Member with $ under $250m million in assets
Located in the Midwest

100 points

Branch Closing Policy

Quick two page policy on steps to take before closing a branch office

Member with $ under $250m million in assets
Located in the Midwest

100 points

Product Matrix

Sample product matrix we are working on for product knowledge and sales training.

Member with $ between $250m - $500m million in assets
Located in the Midwest

5 points

Record Retention Schedule

A useable record retention schedule.

Member with $ under $250m million in assets
Located in the West

50 points

Branch Closure Project Plan

This document is 6 pages long but can be added to or minimized depending on the number of tasks that need to be addressed. It was created by a Vice President (with over 20 years of banking experience) in charge of closing our first branch location. This spreadsheet was a "work in progress" document to make sure everything was addressed and completed in a timely manner. I hope it helps!

Member with $ under $250m million in assets
Located in the Northeast

100 points

Record Retention Schedule

A useable record retention schedule.

Member with $ under $250m million in assets
Located in the West

50 points

Construction Inspection Worksheet

This worksheet will provide calculated funds allowed based on completion of work thru the construction process. Excellent tool for even the beginners.

Member with $ between $250m - $500m million in assets
Located in the Southeast

400 points

Pay-All vs Pay-None overdraft processing

This explanation pertaining to Pay-All vs. Pay-None (Return All) item processing was written by an operations officer with 35 years of experience. Only one page.

Member with $ under $250m million in assets
Located in the Midwest

50 points

CATO Incident Response Plan

This is our Bank's CATO Incident Response Plan

Member with $ between $500m - $1b million in assets
Located in the Southwest

200 points

CATO Policy

This is a CATO (Corporate Account Takoever) Policy

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

OREO Policy & Procedure

Eleven page combined Other Real Estate Owned (OREO) Policy and Procedure. Covers work out, holding period and accounting areas.

Member with $ under $250m million in assets
Located in the Midwest

150 points

OREO/REPO Recap Sheet

This OREO/REPO Recap Sheet is placed in all our OREO/REPO files. Examiners have found it to be very useful. It contains current information that is relevant to the disposition of the property (i.e., if it is leased or sold, the current value and appraisal date, listing price and date, listing agent contact info, date title was received, tenant contact info (if applicable), a summary of write-down activity, attorney contact info).

Member with $ under $250m million in assets
Located in the Southeast

50 points

Property Inspection Form

Property Inspection form used for tracking officer site visits for construction lending, OREO and other inspection needs.

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

Sample Social Media Policy

This Social Media Policy was developed to mitigate reputational, security, and legal risk through the use of existing and emerging forms of social media.

Member with $ under $250m million in assets
Located in the Southeast

250 points

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

Mobile Banking Risk Assessment

This Mobile Banking Risk Assessment is very complete. Examiners' loved it and very Management/Board friendly.

Member with $ over $1b million in assets
Located in the Southeast

600 points

E Banking Policy

Addresses security and risks associated with electronic banking.

Member with $ under $250m million in assets
Located in the Southwest

500 points

Negotiable Collateral / Collateral Vault Procedures Template

This document can be used as a template for your own negotiable collateral/collateral vault procedures. Our external auditing company felt that the procedures were exceptional. Since implementation, we have had no issues with inconsistencies between our files and our collateral vault. This could be tweeked to accomodate different collateral vault locations and procedures. It may only take minor tweeking to change responsibilities and details.

Member with $ under $250m million in assets
Located in the Midwest

300 points

Business Impact Analysis Workbook

Business Impact Analysis Workbook used to rate Maximum Tolerable Downtime (MTD), Recovery Point Objective (RPO) and Recovery Time Objective (RTO) for Business Systems (Not single Assets)

Member with $ between $250m - $500m million in assets
Located in the Midwest

200 points

Regulation E Policy (Sample)

A sample Regulation E Policy is attached. All supporting exhibits are included in a separate document. This document is provided for information purposes only. It is not intended as legal advice. You may wish to consult with legal counsel before using any document or agreement for your particular situation. No legal advice is given or intended by uploading this document for your review.

Member with $ under $250m million in assets
Located in the Midwest

200 points

SBA LOAN POLICY

This is a 12 pages document sample of a good start on an SBA procedure. Policy and Philosophy for SBA Lending at Bank Name Bank Name is a GP Loan Participant lender authorized to make loans under the guarantee programs of the Small Business Administration (SBA). In all its lending the Bank has a responsibility to its depositors and shareholders.

Member with $ under $250m million in assets
Located in the West

50 points

Deposit Decay Rates

This is a spreadsheet I developed to measure deposit decay rates and liability sensitivity of non-maturity deposits.

Member with $ under $250m million in assets
Located in the West

400 points

Property Inspection Form

Property Inspection form used for tracking officer site visits for construction lending, OREO and other inspection needs.

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Risk Assessment Form

Our Bank utilizes a Risk Assessment Form whenever a decision is made to develop or revise a product, service, or technology program. It has been recently utilized for mobile banking development and a new HELOC product. It contains form fields for descriptions of review areas (such as description and need, features and benefits, target group, revenue impact, marketing analysis, etc.). It also has fields for the different areas of risk (such as compliance, credit, insurance, legal, etc.). The form has an overall rating analysis, in addition to a 90-day follow-up review section. A completed Risk Assessment Form can be sent upon request.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Reg E Audit Checklist

A checklist to be used for internal compliance audit of Reg E

Member with $ under $250m million in assets
Located in the Southeast

200 points

Loan Review Analysis

This Loan Review Analysis is a great starting point tool.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Business Debit Card Disclosure Statement/Account Agreement

This disclosure, given to all business debit card applicants, informs the applicant of their rights and responsibilitues, including but not limited to Issuance of Card, Use of Card, Limitation on Card Use, Card Purpose, Order of Payment, POS Purchase Right to Stop Payment, Illegal Activities, Unauthorized Transfers/Loss or Theft/Errors, Liability, Limitation on Bank's Liability ATM Safety Tips and much more.

Member with $ between $250m - $500m million in assets
Located in the Northeast

150 points

Enterprise Level Risk Assessment

The Enterprise Level Risk assessment takes risk factors and allows you to rate them high medium or low. This auto generates an inherent risk value that is weighted based on the severity of the risk. From there we can mitigate the risk with controls. I like what I have done with this but would love to know if anyone has made any improvements to it. Just note it in the comments if you think it needs something. I have tried to sanitize the document yet leave some of our data in there to try and help stimulate ideas. I know when we started doing our ERA, we just didn't know where to start. We will be audited next month, so hopefully the regulators like it.

Member with $ between $250m - $500m million in assets
Located in the Southeast

300 points

Overdraft excessive use sample letter

This letter is a sample letter to notify a customer that they have exceeded six overdrafts within a twelve month period.

Member with $ under $250m million in assets
Located in the Midwest

50 points

ACH Risk Assessment

ACH Risk Assessment

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Suspicious Activity Report (SAR) Procedures

The purpose of the SAR is to provide the appropriate law enforcement authorities with complete and accurate information relating to known or suspected criminal activities or violations of the law observed by the bank. This document includes SAR filing requirements,screen and prevent unlawful internet gambling for businesses at the time of account opening, computer intrusion, timing of filing, monitoring suspicious transactions and how to complete the SAR

Member with $ over $1b million in assets
Located in the Northeast

150 points

SAR Investigation Report

This form is used to document information to assist in determining if a SAR needs to be filed or not. It includes a decision making section to indicate if a SAR was filed and if not, why a SAR was not filed.

Member with $ under $250m million in assets
Located in the West

100 points

Remote Deposit Capture Annual Customer Audit and Training

Letter, audit certification and training document that can be mailed or hand delivered to your Remote Deposit Capture customers annually to help satisfy the new FFIEC Guidance requirements.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

Loan Annual Review Form

This is a simple, easy to use, quick and dirty annual review form for loans. The template is simple, but can be modified to include any additional ratio's or benchmarks you'd like to add. Most annual review forms are very lengthy and almost require a re-underwriting of the credit. I wanted something simple that would tell me quickly if we had a problem and then we can escalate it further if we find too many problems.

Member with $ under $250m million in assets
Located in the West

50 points

Website Review Procedures

Internet Banking Compliance Checklist (Website Review - Performed Monthly)

Member with $ between $500m - $1b million in assets
Located in the West

50 points

ACH Risk Assessment

ACH Risk Assessment

Member with $ over $1b million in assets
Located in the Southeast

500 points

New Deposit and Loan Account Risk Assessment Matrix

These matrices are utilized during the new account process. They include many risk indicators and a scoring system to help identify high risk accounts. Additional worksheets and procedures for high risk accounts is under a separate offering in the same category. These matrices have been reviewed in many OTS and a recent OCC examination. Also see Risk Rating Procedures and Worksheets for ongoing monitoring of high risk accounts.

Member with $ under $250m million in assets
Located in the Northeast

150 points

ACH Risk Assessment Sample

This is only a small sample from an ACH risk assessment to help answer a question about formatting.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Social Media Risk Assessment

Social Media risk assessment covering the implementation considerations to be considered for bank's entering social media for the first time.

Member with $ over $1b million in assets
Located in the Northeast

750 points

Notice of Delayed Availability Form

This is a one-page Notice of Delayed Availability (hold notice) that we utilize and manually complete for holds. It has form fields where the applicable information can be entered. It can be used for both case-by-case holds and exception holds (do not need two separate forms). You can even have a printer do them in duplicate forms where the customer would have the original and operations the copy. You can customize to your bank information.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Decay Rate Spreadsheet

I use this worksheet to calculate our decay rates and beta factors for IRR using our actual closed account information. It passed our FDIC exam in December with absolutely no issues. It takes some data collection in order to see results. Because we have a unique market I broke up my accounts in to types, but it would work just using a basic breakdown of checking, savings, etc........

Member with $ under $250m million in assets
Located in the Midwest

400 points

Loan Annual Review Form

This is a simple, easy to use, quick and dirty annual review form for loans. The template is simple, but can be modified to include any additional ratio's or benchmarks you'd like to add. Most annual review forms are very lengthy and almost require a re-underwriting of the credit. I wanted something simple that would tell me quickly if we had a problem and then we can escalate it further if we find too many problems.

Member with $ under $250m million in assets
Located in the West

50 points

Mobile Banking Risk Assessment

This Mobile Banking Risk Assessment is very complete. Examiners' loved it and very Management/Board friendly.

Member with $ over $1b million in assets
Located in the Southeast

600 points

Apr 08

47 purchases

BSA/AML/CIP/OFAC Program

Exam tested...always updated. 30 pages of policies, procedures, regulation, etc.

Member with $ under $250m million in assets
Located in the Midwest

400 points

SAFE Act Audit

This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Remote Deposit Capture Policy

This Remote Deposit Capture policy has been reviewed during various exams and audit, with no comments or suggested changes.

Member with $ between $500m - $1b million in assets
Located in the Northeast

250 points

ACH Origination Activity Annual Board Reporting

Simple Excel worksheet used to report ACH origination activity to the board annually. The ACH activity is broken down by customer and shows unauthorized rate of returns, ACH origination items, ACH origination dollar amount, as well as the customer's ACH debit and credit exposure limits before and after the annual review. This ACH origination activity report along with my full annual ACH board report (not included with this cbanc document) were reviewed by our IT Examiner in 2011 with no exceptions noted.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Deposit Decay Rates

This is a spreadsheet I developed to measure deposit decay rates and liability sensitivity of non-maturity deposits.

Member with $ under $250m million in assets
Located in the West

400 points

CIP audit workpaper spreadsheet

CIP workpaper spreadsheet used in consulting practice

Member with $ between $500m - $1b million in assets
Located in the Southeast

100 points

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

REAL ESTATE EVALUATION FORM (In-House)

This is a complete detailed "in-house" evaluation form that is in compliance with the new appraisal guidelines that have been recently published. This can be used with any new loan, renewal or extension that does not require an appraisal.

Member with $ under $250m million in assets
Located in the Southeast

300 points

Sample Mobile Banking Risk and Control Assessment

The purpose of this risk assessment is to analyze potential risks arising from the new mobile banking services to enable and evidence final approval of the offering by Management and the Board of Directors.

Member with $ between $500m - $1b million in assets
Located in the West

600 points

Compliance and Internal Audit Schedule

Sample Internal Audit and Compliance Schedule

Member with $ between $250m - $500m million in assets
Located in the Midwest

150 points

Record Retention Schedule

A useable record retention schedule.

Member with $ under $250m million in assets
Located in the West

50 points

Third Party Relationship Vendor Confidentiality Agreement

This Confidentiality Agreement (“Agreement”) is effective as of and is made by and between ABC Bank (“Bank”) and (“Vendor”). Recitals Pursuant to the Gramm-Leach-Bliley Act (“GLBA”), Bank is required to enter into contractual relationships with all “nonaffiliated third parties” (as such term is defined in the GLBA) who perform services for Bank or perform a function on behalf of Bank pursuant to which the third party is prohibited from using or disclosing nonpublic personal information other than to carry out the services or functions being performed for or on behalf of Bank. Bank and Vendor each desires to comply with the terms and conditions of GLBA. Vendor will, from time to time acquire access to nonpublic personal information of Bank’s past, future or potential Customers (including a “consumer” as such term is defined in the GLBA), and desires to comply with the provisions of the GLBA as it re

Member with $ under $250m million in assets
Located in the Southeast

50 points

Cloud Vendors - Due Diligence Checklist

This is vendor due diligence checklist I created specifically for cloud vendors who by nature have different risks as compared to a non-cloud vendor. I have also given conference presentations using this document as a tool.

Member with $ between $500m - $1b million in assets
Located in the Midwest

400 points

BSA Training for Directors

This is a 13 page powerpoint presentation that provides the Board general informaiton on BSA/AML/OFAC. I usually supplement it with verbally presented examples of AML cases and civil money penalties assessed to banks for inadequate BSA programs.

Member with $ under $250m million in assets
Located in the West

100 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Vendor Management Policy with Due Diligence Forms

This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.

Member with $ over $1b million in assets
Located in the Midwest

600 points

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Mobile Device Policy

This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Enterprise Level Risk Assessment

The Enterprise Level Risk assessment takes risk factors and allows you to rate them high medium or low. This auto generates an inherent risk value that is weighted based on the severity of the risk. From there we can mitigate the risk with controls. I like what I have done with this but would love to know if anyone has made any improvements to it. Just note it in the comments if you think it needs something. I have tried to sanitize the document yet leave some of our data in there to try and help stimulate ideas. I know when we started doing our ERA, we just didn't know where to start. We will be audited next month, so hopefully the regulators like it.

Member with $ between $250m - $500m million in assets
Located in the Southeast

300 points

Advertising Checklist

Advertising Checklist is 22 pages long and covers advertising on the following topics Defining Advertising General Requirements Lending Advertisements - Closed End Credit Lending Advertisements - Open End Credit Deposit Advertisements Broadcast, Electronic, or Outdoor Media (Deposits) Indoor Signs (Deposits) Overdraft Services Advertising Nondeposit Investment Products (including Brokerage, Insurance, Annuities) CAN-SPAM Act Email Unfair, Deceptive, Abusive Acts or Practices “UDAAP” Using the FDIC Logo Fair Lending

Member with $ over $1b million in assets
Located in the Midwest

500 points

Sample Social Media Policy

This Social Media Policy was written as a result of combining ideas from sample policies from different institutions and from various vendor webinars on the topic. The policy was looked at during a recent State exam and examiners were pleased with the topics addressed as of the date of the exam.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Sample Social Media Policy

Sample Social Media Policy used for guidance and management of employee's activity in social media space.

Member with $ over $1b million in assets
Located in the Northeast

150 points

Compliance Management System Board Report

This is a sample quarterly report to the board on the bank's Compliance Management System. It includes all required components of the CMS, including complaints, and a section for regulatory information for the board. It also notates where items such as audits or training is reported to the board through the audit committee.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Community Bank Compliance Policy

Our Compliance Policy is 6 pages long and was developed by our Compliance Officer with assistance from our external auditors. We have not received any negative criticism from examiners concerning the appropriateness of the policy for an institution of our size and complexity (6 offices).

Member with $ under $250m million in assets
Located in the Midwest

200 points

Mortgage Transfer Disclosure

This is a sample mortgage transfer disclosure form that can be customized for your bank for loans that a bank purchases under Section 1026.39 of Regulation Z.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Sample Social Media Policies & Procedures Template

This document contains sample social media policies and procedures verbiage that may be leveraged as a template for your institution's guidelines. The verbiage should be read and vetted carefully and leveraged at your discretion when tailored to the unique conditions and risk tolerance of your institution.

3rd Party Content

250 points

Fair Lending Risk Assessment

This Fair Lending Risk Assessment identifies many key areas of FL Risk and rates them based on a number of key regulatory factors (Overt, Redlining, Underwriting, Steering, etc.). This Risk Assessment was recently reviewed by the FDIC during a compliance exam and no issues were noted. Bank-Specific policy and procedure has been removed from this template for you to add in your own information.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Flood Coverage Worksheet - Interactive

This Flood Coverage Worksheet can be used to determine the required amount of flood insurance, both at the time of origination and throughout the servicing of the loan. It is an interative spreadsheet - fill in the yellow fields with your loan information, and the blue fields automatically calculate. The spreadsheet compares the lesser of the loan amount/replacement cost and the maximum allowable insurance. It also allows up to 4 residential / commercial buildings. It will then tell you if insurance is adequate based on the comparison. A short reminder checklist at the bottom is included to document the expiration date, zone codes, document retention, etc. This has helped our servicing staff and has been put through several compliance audits and an OTS and OCC examination.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

CATO Policy

This is a CATO (Corporate Account Takoever) Policy

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Branch Opening and Closing Log

This form will help remind the branch staff of their daily responsibilites when opening and closing the branch. One form good for entire week(Monday - Friday).

Member with $ over $1b million in assets
Located in the Southeast

150 points

Bank Closing Account Sample Letter

Closed Account Notification This letter is to inform you that (Bank) has made the decision to close your checking account (# xxxxx). T

Member with $ between $250m - $500m million in assets
Located in the West

50 points

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Business Continuity / Disaster Recovery Plan

The attached zip file contains a detailed Business Continuity Plan / Disaster Recovery. It's about 114 pages, and I have gone through each section and attempted to remove reference to Mariner's Bank throughout the files. There are 26 sections to this plan and it has gone through internal audits and currently FDIC Audit. During my FDIC audit I have to expand on alternate recovery site and long term interruption procedures specific to certain software and certain departments, but otherwise it is good.

Member with $ between $250m - $500m million in assets
Located in the Northeast

900 points

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Opt-in confirmation letter

This letter is mailed to customers who have elected to opt-in for overdraft coverage on their debit and ATM cards.

Member with $ over $1b million in assets
Located in the Midwest

100 points

Debit Card Policy

This policy was developed to help show how and why we grant debit cards to customers.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Ability to Repay Policy

Short policy as a supplement to Reg Z to address Ability to Repay regulations. Document received no-comment from regulators during mini review of updated policies and procedures.

Member with $ under $250m million in assets
Located in the Midwest

75 points

Reg E Audit Checklist

A checklist to be used for internal compliance audit of Reg E

Member with $ under $250m million in assets
Located in the Southeast

200 points

Audit Policy

This is a one page audit policy. It was written by the compliance officer.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Remote Deposit Capture (RDC) Policy

Remote Deposit Capture (RDC) Policy

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

Ability to Repay and QM worksheets

Worksheets for ATR and QM

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Website Review Procedures

Internet Banking Compliance Checklist (Website Review - Performed Monthly)

Member with $ between $500m - $1b million in assets
Located in the West

50 points

Commissions and Incentives Plan

Three page commissions and incentives plan.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Mortgage Loan Originator Compensation

Mortgage Loan Originator Compensation is the latest in a series of compliance challanges facing community banks. Faced with complex regulations and a distinct lack of guidance from the agencies, even the smallest of banks must review their compensation plans to determine if changes are needed. We have a simple program in place for our Secondary Market that has been reviewed by an attorney and deemed to be compliant based on the rather non-complex approach we have taken. This document is our formal statement of intent to comply, and outlines the basic compensation structure in place.

Member with $ under $250m million in assets
Located in the Midwest

100 points

IT Change Management Policy

This IT policy defines the Concept, Purpose, Role, Changes Governed, and Tracking of Change Management. This policy also establishes rules for the Creation, Pre-Implementation Testing, Installation, Post Implementation Testing, and any Vendor Assisted Changes. I would like to thank the University of Denver for their contributions, willingness, and permission to share with Cbanc. This document is a banking adaptation of their original policy.

Member with $ over $1b million in assets
Located in the Southeast

150 points

Website Review Procedures

Internet Banking Compliance Checklist (Website Review - Performed Monthly)

Member with $ between $500m - $1b million in assets
Located in the West

50 points

Apr 07

81 purchases

Stop Payment Request - ACH and Checks

Stop Payment Request: ACH & Checks Updated March 2010 for NACHA and Reg changes. Allows the stop payment of ACH or check entries. Clearly explains the difference between One-Time and Permanent stops.

Member with $ between $250m - $500m million in assets
Located in the Southeast

150 points

Ability to Repay Policy

Short policy as a supplement to Reg Z to address Ability to Repay regulations. Document received no-comment from regulators during mini review of updated policies and procedures.

Member with $ under $250m million in assets
Located in the Midwest

75 points

Ability to Repay and QM worksheets

Worksheets for ATR and QM

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

ACH Policy

C.The purpose of this policy is to establish guidelines by which ABC Bank and its authorized employees can monitor and control risk related to ACH activities while operating in compliance with all appropriate regulatory requirements.

Member with $ between $500m - $1b million in assets
Located in the Midwest

300 points

ACH Policy

This is a sample ACH policy including overview, implementation, product offerings, alternatives for input media, origination pricing, processing, acceptance, timing, disclosure information, etc.

Member with $ between $250m - $500m million in assets
Located in the Midwest

500 points

Incident Response Plan Scope and Purpose

This Incident Response Plan Scope and Purpose document provides an intrusion/incident response plan to be used in the event that there is unauthorized access to or use of confidential customer information. It is an excerpt of our Information Technology Policy which is also available for purchase.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Servicemembers Civil Relief Act (SCRA) Policy

This is a 3-page Servicemembers Civil Relief Act Board-approved policy that provides a Purpose and Policy Statement for each of the SCRA provisions the bank will comply with. It has been updated with the changes in servicemember rights for foreclosure timeframes. A separate SCRA Procedures is available for purchase.

Member with $ under $250m million in assets
Located in the Southeast

150 points

response to HMDA Lien status question

0

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Request for Information - Mobile Deposit Capture

Request for Information for Mobile Deposit Capture targeting mainly consumers with smartphones. Written by IT administrator and Operations manager with over 30+ years experience in security and ops.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Mobile Device Authorization Form

This mobile device authorization form is used in conjunction with our mobile device policy and allows for BYOD.

Member with $ between $500m - $1b million in assets
Located in the Midwest

50 points

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

ATM/ Debit Card Dispute form

This ATM/Debit card dispute form works well for us.

Member with $ under $250m million in assets
Located in the Midwest

25 points

Trust Policy - Small Bank

Do you have trust powers? Don't have a lot of trust business? What might your policy say?

Member with $ under $250m million in assets
Located in the Midwest

100 points

Social Media Policy

This Social Media Policy is a total of 6 pages in length. It covers employee personal use of social media as well as bank use of social media. Most of the sample policies I looked at only dealt with proper employee usage and did not get into any policy information relative to the bank deciding to utilize social media. I decided to put these two different aspects of social media together into one policy.

Member with $ under $250m million in assets
Located in the Southeast

300 points

Annual Vendor Review Worksheet

Form to be used to document the performance of annual vendor reviews for Vendor Management.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Regulation E Policy (Sample)

A sample Regulation E Policy is attached. All supporting exhibits are included in a separate document. This document is provided for information purposes only. It is not intended as legal advice. You may wish to consult with legal counsel before using any document or agreement for your particular situation. No legal advice is given or intended by uploading this document for your review.

Member with $ under $250m million in assets
Located in the Midwest

200 points

Vendor Management Policy with Due Diligence Forms

This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.

Member with $ over $1b million in assets
Located in the Midwest

600 points

Regulation E - Procedures

Regulation E – Procedures for our bank including sample letters for error resolution. This goes along with the Reg E Error Resolution Log and Reg E Policy previously uploaded.

Member with $ under $250m million in assets
Located in the Southeast

400 points

CATO Policy

This is a CATO (Corporate Account Takoever) Policy

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Corporate Account Takeover (CATO) FFIEC Customer Awareness and Education Script for On-Site Visits

In order to comply best with Texas Department of Banking Supervisory Memorandum - 1029, "Standards for the Risk Management of Corporate Account Takeovers" and with the FFIEC Supplement addressing customer awareness and education, I have developed a script that addresses: Warning Signs of Potentially Compromised Computer System, Best Practices for Safe Business Online Banking, and What To Do If You Are a Victim of Corporate Account Takeover (CATO). My bank has decided to conduct personal on-site visits with its corporate customers. This script will be used by the business development officers that will be making the on-site visits with business banking clients. It can be left with the corporate customer, or one could add an acknowledgement line and have your corporate Admins sign it and the bank could retain it as proof of the bank's efforts regarding CATO and FFIEC customer awareness and education training. Keep in mind that as the threat environment changes, this document may need

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

ACH/Originator Audit Policy

Includes info on the annual audit of ACH Originators.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

R/E Construction Draw & Inspection Worksheet

This is an construction inspection worksheet to be used to evaluate progress on a R/E construction loan. It calculates percentage completion for draws available.

Member with $ under $250m million in assets
Located in the Southeast

250 points

Ability to Repay Policy

Short policy as a supplement to Reg Z to address Ability to Repay regulations. Document received no-comment from regulators during mini review of updated policies and procedures.

Member with $ under $250m million in assets
Located in the Midwest

75 points

Ability to Repay 8 Required Factors Check Sheet

Ability to Repay 8 Required Factors Check Sheet, one column lists the requirements and the other column list a verification check list for each requirement. This is a user friendly check sheet.

Member with $ under $250m million in assets
Located in the Southwest

150 points

Internal Audit Charter

Our bank - back in the good old TQM days when internal audit & management were still defining their relationship and there was some tension between individuals - developed this audit charter over several meeting that included audit staff, management, and board members. We borrowed from many sources and created sections of our own. Over the years we have made a few tweaks and at the time of SOX added a large “Audit Committee” section. This policy has been through many OCC exams. It took us way more than 10 hours, but this is our first posting…

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Consumer Complaint Response Form

Response form used to document when a Consumer Compliance Complaint is received.

Member with $ under $250m million in assets
Located in the West

50 points

Regulation CC Procedures

The Regulation CC procedures provides an overview of the regulation, steps on how a bank should comply, avoiding losses, hold procedures for all areas (including examples), substitute checks, and helpful charts.

Member with $ under $250m million in assets
Located in the Southeast

250 points

Garnishment worksheet for federal benefits

This is a two-per-page form used to quickly and easily calculate federal benefits for garnishment purposes. Includes calculation of look-back period, and tickler for notice to customer.

Member with $ under $250m million in assets
Located in the Midwest

25 points

Finanace charge spreadsheet

Listing of common fees paid in a real estate transation and where or not it is a finance charge. Reposted from Bankers Online website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

UDAAP Policy

This UDAAP Policy is 6 pages long and has been reviewed by an external compliance auditor. There were a few minor recommendations made which have been incorporated into this policy. Written by a compliance officer - it combines material from several UDAAP policies into one.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Unfair or Deceptive Acts or Practices (UDAP) Policy and Procedures

This UDAP Policy & Procedures is 4 pages long. It was written by our consulting firm in responcse to our 2011 FDIC Compliance Examination. FDIC was satisfied with it.

Member with $ under $250m million in assets
Located in the Southwest

250 points

Fee Spreadsheet

Spreadsheet listing fees and HUD-1 lines and RESPA Blocks. Reposted from Bankers Online website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

Electronic Data Processing (EDP) Policy

A sample Electronic Data Processing (EDP) Policy suitable for smaller banks without a formal IT department.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Platform (CSR) and Frontline (Referral) Incentive Programs

The attached programs are 4 pages total and outlines the requirements to meet referral and/or new accounts goals and corresponding incentive. Designed and continually updated by two individuals with 30 year combined experience with sales and customer service programs within the banking industry.

Member with $ under $250m million in assets
Located in the Midwest

1000 points

Remote Deposit Capture Customer Eligibility Form

The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.

3rd Party Content

200 points

Online Banking Policy

Policy is under the Electronic Banking Policy on page 7.

Member with $ between $250m - $500m million in assets
Located in the West

200 points

Mortgage Loan Originator Compensation Plan

This compensation plan required a significant amount of analysis to provide a fair plan to the MLO and at the same time provide a profitable structure for our institution. This plan will have to be tailored to each specific institution as compensation amounts will vary as well as volume expectations. The structure is there which should allow for a nominal amount of time to make it fit for you. The level of compensation may need to be adjusted to fit your expected yield on loans originated.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Performance Based Incentive Plan

Thoughtful incentive plan which rewards Commercial Lenders for 3 areas of production: Loans, Fee Income, and Low-Cost Deposits. Includes a "claw back" provision, and also incentives for referring to other lines of business such as Residential Mortgage and SBA. Reviewed by both compensation consultant and legal counsel for adherence to recent best practices and avoidance of incenting participant to engage in behavior risky to Bank.

Member with $ between $500m - $1b million in assets
Located in the Southeast

1000 points

WIRE TRANSFERS

This wire Transfer policy is only 4 pages long. It is short and to the point.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Secondary Market Quality Control Policy and Program

Banks that originate FHA mortgages are required to have a written quality control plan. This download contains a 4 page policy for Secondary Market programs, and includes the common FHA Required policy elements. ALSO INCLUDED is a Quality Control Review Program checklist, to be used to document compliance with the FHA's requirements. The QC Review Program includes sample text that you may customize for your institution. This is designed for small entities (small,community banks) and may not be detailed enough for very large originators that may have robust requirements.

Member with $ under $250m million in assets
Located in the Midwest

500 points

Wire Transfer Policy

Wire Transfer Board approved policy.

Member with $ under $250m million in assets
Located in the West

100 points

GLBA-Annual Report to the Board of Directors

This document satisifies the GLBA required annual report to the board. Is simple, but includes all of the required notifications. Is well-received by auditors and FDIC examiners. Bank size is 0-$250M

Member with $ under $250m million in assets
Located in the Midwest

100 points

Teller / Call Center Incentive Plan

Here is a sales and service based incentive plan for tellers, call center reps, account reps and frontline support staff.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Incident Response Plan

This document discusses the steps taken during an incident response plan. This is a working document that has been used in past regulatory exams. I also add mention of the document in the overall Information Security Program.

Member with $ between $250m - $500m million in assets
Located in the Southwest

150 points

Incentive Plan for Commercial Relationship Managers

Commercial Relationship Manager Incentive Plan. This is a one page incentive plan designed to bring relationships to the bank rather than having a separation between depositors and loan clients.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

HMDA training

This HMDA Powerpoint was created as a training tool for Loan Officers. It give a overview of how and why HMDA was created and explains each of the codes. It was created so that the officers would understand why they were choosing a certain code. I have over 7 years worth of HMDA experience.

Member with $ under $250m million in assets
Located in the Northeast

200 points

Commissions and Incentives Plan

Three page commissions and incentives plan.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

BSA/AML Transaction Monitoring Vendor RFP

17 section, 214 question comprehensive Request for Proposal (RFP) for BSA/AML transaction surveillance/monitoring system. Successfully used in 2007 to determine vendor selection for BSA system replacement at a 5 billion commercial bank. RFP sections include: • Vendor Information • General Solution/KYC Features • Customer Risk Assessment • Behavioral Monitoring Capabilities • Customer/Account Based Scenarios • Alert Management Features • Workflow Management Features • Audit Capabilities • Security Features • Data Management • Supported Platforms • Implementation & Services • Training & Education • System Maintenance and Support • Upgrades and New Releases • Vendor Personnel • Solution Pricing

Member with $ over $1b million in assets
Located in the Southwest

1500 points

Ability-to-Repay and Qualified Mortgage Rules Risk Assessment

This risk assessment of the ATR-QM rules is separated into a section for Qualified Mortgages and a section for non-QMs. It is further subdivided into sections for Legal Risk, Strategic Risk, Operational Risk, Compliance Risk, and Reputational Risk. It identifies the associated risk and risk fields for likelihood of occurrence, adverse impact, inherent risk, mitigating controls, adequacy of controls, residual risk, and comments. Our bank will do both QM and non-QM loans but do fall under the small creditor QM rules. You will have to customize and risk rate to your bank's operations.

Member with $ under $250m million in assets
Located in the Southeast

250 points

Dodd Frank Mtg Rules-Impact on Loan Origination

Executive summary of rules for the Board of Directors

Member with $ between $500m - $1b million in assets
Located in the Southeast

150 points

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Complaint Policy

Complaint Policy has been approved by our external auditors and was reviewed during most recent FRB examination without comment.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Remote Deposit Capture Annual Customer Audit and Training

Letter, audit certification and training document that can be mailed or hand delivered to your Remote Deposit Capture customers annually to help satisfy the new FFIEC Guidance requirements.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

FDIC Compliance Management Program

I downloaded this from the FDIC website. If the document doesn't work, you can find the manual there. UPDATE: It seems some people were having trouble downloading this file due to its size. I have replaced the document with a zipped file of the same manual. If you have trouble downloading it, please contact the Cbanc support team. They can send it to you directly.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Vendor Mgmt - Risk Evaluation-Due Diligence Manual

Here is our Vendor Management Policy / Manual - which includes the due diligence template for new vendor management projects. This policy/manual has grown significantly over the years, and the due diligence is quite extensive. We had completed an FDIC exam this year and updated this with comments from FDIC and internal auditors - everything has been updated/revised and approved by our board of directors.

Member with $ between $250m - $500m million in assets
Located in the Northeast

250 points

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Patch Management Policy

Our patch management policy is fairly basic but incorporates all the requirements of the FDIC. I have been through a couple of exams and audits and this seems to satisfy their expectations.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Retail Banking Executive Job Description

This job decription was tailored to meet the needs of managaing the personal banking functions within a community bank.

Member with $ between $250m - $500m million in assets
Located in the West

200 points

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Credit Analyst Job Description

Credit Analyst Job Description used by our credit department.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

Succession Plan Updated

Simple succession policy for CEO for a small bank. Updated 2013

Member with $ under $250m million in assets
Located in the West

200 points

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Controller/Cashier Job Description

Basic job description for a small community bank.

Member with $ under $250m million in assets
Located in the Southwest

50 points

Retail Banking Officer Job Description

Job Description for Retail Banking Officer with responsibility over branch administration including consumer and residential real estate lending. Written for small community bank ($160 million)

Member with $ under $250m million in assets
Located in the Northeast

100 points

Collection Procedures

It is Bank policy to handle its debt collection activities in such a manner that the Bank will not be classified as a debt collector of consumer debt under the provisions of the Fair Debt Collection Practices Act (FDCPA). Accordingly, the Institution will: o Use only its own employees to collect debts of the Bank; o Conduct its collection efforts only in the Bank’s name; o Collect only those debts which the Bank originated (including debts the Bank originated and sold but still services, but excluding debts the Bank services but did not originate); and o If the Bank chooses to utilize an outside collection agency, the agency must provide satisfactory proof of being licensed as a debt collector in the applicable jurisdictions.

Member with $ over $1b million in assets
Located in the Northeast

150 points

Strategic Plan Outline - Template

This is a 3-4 page outline for a strategic plan. It has the headings needed to get started. Very few descriptions. Succession Plan - Table included. Creative Writing needed as to your specific bank but regulators were fine with the sections as they were tailored to our institution.

Member with $ under $250m million in assets
Located in the Northeast

50 points

Affirmative Action Plan

This document was written by our HR Director and has passed all FDIC exams.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Disaster Recovery audit program

Business Continuity and Disaster Recovery audit program

Member with $ between $500m - $1b million in assets
Located in the Midwest

150 points

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Awesome Incident Response Plan

Are you looking for a Incident Response Plan that is simple and effective. Don't settle for a policy that is so thick you are reading it while your bank is burning down or systems are crashing. This plan is based on FEMA's Incident Command Structure ICS-100. Yes, the same plans that all fire, ems and police personnel have to show familiarity with after 911 have been used to build this plans framework. Each incident is broken down in a simple checklist format as was proven to be effective in the book The Checklist Manifest by Atul Gawande. Buy it, make it your own and take all the credit. I believe in the effectiveness of this plan and that is why I am practically giving it away for 100 points.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Wire Policy (VP-Controller)

Wire policy which include authorization levels.

Member with $ between $500m - $1b million in assets
Located in the Northeast

100 points

Annual Vendor Review Worksheet

Form to be used to document the performance of annual vendor reviews for Vendor Management.

Member with $ under $250m million in assets
Located in the Midwest

250 points

FDIC Community Reinvestment Act Tracking Sheets

This Community Reinvestment Act tracking sheet was provided to me, August 2012, by the FDIC. They wanted all CRA items on this worksheet and said they would be using this in the future. No specific instructions were given as far as what they wanted in each line, just the general CRA guidelines.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Apr 06

1 purchases

Compliance Committee sample meeting minutes

We hold a monthly Compliance Committee meeting. The minutes each month are presented to the board and a copy is saved for examiner review. Our examiners like the fact we have a meeting each month and the topics we review.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Apr 05

9 purchases

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Reg GG Unlawful Internet Gambling Policy and Procedures

Unlawful Internet Gambling Policy which includes the actual bank policy which has been approved our Board of Directors and has been reviewed and approved by our external compliance auditors. It also includes our internal procedures and examples of letters that are mailed to customers with potential violations of the policy.

Member with $ under $250m million in assets
Located in the Southwest

150 points

Sale Program Introduction

Power Point introduction to help develop and sell a referral/sales program in your bank. This was brought about by the Sales Tracking Form on excel.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

Red Flag Guide - Loans

This is a Red Flag Guide for the loan area that includes each of the Red Flags that should be used in a bank's identity theft program and a response to each of the red flags (additional red flags also included than those listed in the regulation). It is a nice tool to use when there is identity theft that occurs and indictes possible responses to follow. It can be customized to your bank's internal procedures. A preview is attached.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Red Flag Guide - Deposits

This is a Red Flag Guide for the deposit area that includes each of the Red Flags that should be used in a bank's identity theft program and a response to each of the red flags (additional red flags included than those included from the regulation). It is a nice tool to use when there is identity theft that occurs and indictes possible responses to follow. It can be customized to your bank's internal procedures. A preview is attached.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Troubled Debt Restructurings Checklist

All restructured loans/loan modifications should be evaluated to determine whether they should be classified as a troubled debt restructuring (TDR). The following checklist is a mechanisms to identify, monitor, and report TDRs and should be incorporated into workout processes and procedures. TDRs should be identified as part of any restructuring requests and should be accounted for and reported properly. An easy way to monitor TDRs is to add this simple checklist to all loan modifications / approvals.

Member with $ between $250m - $500m million in assets
Located in the Midwest

300 points

Know Your Customer Policy

This "Know Your Customer" policy includes expectations per various types of accounts, transactions, positions and more!

Member with $ over $1b million in assets
Located in the Midwest

350 points

BSA Risk Assessment

The BSA/AML Risk Assessment is 10 pages long and is formatted by listing the bank's products and services and then documenting controls and residual risk ratings. The final pages of the Assessment includes a summary overall BSA/AML rating. The title lines may be misaligned due to removing verbiage under mitigating controls in order to delete specific product and service data.

Member with $ between $250m - $500m million in assets
Located in the West

200 points

Teller Cash Procedures

I have attached the table of contents covering the teller cash procedures that may be of interest to you.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Apr 04

52 purchases

Fair Lending Second Review

The purpose of the Fair Lending Second Review is to ensure that lending standards are applied fairly and uniformly to all applicants. It is a safety net that attempts to prevent discrimination, and does not involve underwriting terms or practices that are preferential on a prohibited basis. A review is to be performed on each loan that is recommended for denial.

Member with $ under $250m million in assets
Located in the Midwest

50 points

real estate evaluation review checklist

Checklist to be used by loan review or appraisal review staff to make sure the evaluation contains everything needed by regulation. Simple one page form.

Member with $ under $250m million in assets
Located in the Midwest

25 points

New Consumer Account Opening Worksheet

This is an account opening worksheet for a new consumer customer. The form includes CIP requirements.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Non-RE Loan Compliance Worksheet

This is a very detailed worksheet to print off when auditing non-Real Estate loans (consumer or commercial) for compliance. It is in excel so it can be customized. For Real Estate Loans, see the RE Loan Compliance Worksheet.

Member with $ between $250m - $500m million in assets
Located in the Southwest

100 points

Criticized Loan Report

This is our Criticized Loan Report developed for quarterly review of problem loans. It can also be used for any annual loan review. Includes financial analysis (with built in ratio calculation), collateral evaluation, cash flow analysis, etc. OCC approved.

Member with $ under $250m million in assets
Located in the Midwest

400 points

Annual Policy Review List

This Policy Review schedule is used to separate policies into monthly review cycle. This ensures that we cover all policies as well as gives a list for policy owners to be able to adequately review their policy in time for the presentment to Board for approval.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Consumer Complaint Policy

During a recent FDIC Compliance exam, examiners favorably commented on the policy, process and tracking logs.

Member with $ between $250m - $500m million in assets
Located in the Northeast

300 points

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Regulation D Policy

The Regulation D policy includes sections discussing the purpose of the regulation, Reg. D limitations on savings accounts, NOW account eligibility, early withdrawal penalty rules, and a policy statement. It does not include a discussion on reserve requirements.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Regulation E Exhibits

Attached are the Regulation E exhibits to support the Regulation Policy. It contains the Debiting Provisional letter, Additional Information Letter, EFT Statement of Dispute, Final Credit Letter, No Error Found letter, Provisional Credit letter and Reg E Error Resolution Training Log. It is not intended as legal advice. You may wish to consult with legal counsel before using any document or agreement for our particular situation. No legal advice is given or intended by uploading this document for your review.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Collections Process

Collection Guidelines - Written for a smaller bank (145M assets). We have low delinquency - loan officers collect their own loans, we do not have a collection dept.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Decay Rate Spreadsheet

I use this worksheet to calculate our decay rates and beta factors for IRR using our actual closed account information. It passed our FDIC exam in December with absolutely no issues. It takes some data collection in order to see results. Because we have a unique market I broke up my accounts in to types, but it would work just using a basic breakdown of checking, savings, etc........

Member with $ under $250m million in assets
Located in the Midwest

400 points

Regulation GG - Internet Gambling Policy

Regulation GG policy to address requirements of the Unlawful Internet Gambling Enforcement Act. Includes a copy of Mastercard's Regulation GG Policy (June 3, 2011)including their written statement or notice regarding the fact that they have in place, policies and procedures to comply with Regulation GG. (as described in: Reg GG, Policies and procedures required, 12 C.F.R. §233.5(c)) Also includes a business risk profile which covers the required due dilligance at account opening.

Member with $ under $250m million in assets
Located in the Southeast

300 points

Appraisal Review Form

Internal Appraisal Review Form

Member with $ under $250m million in assets
Located in the Southwest

50 points

Appraisal Review Sheet

20 Question Appraisal Review Form

Member with $ under $250m million in assets
Located in the Midwest

50 points

Audit Risk Assessment

This is the annual Risk Assessment performed for our Audit program to assess the required frequency of internal audits. It is a basic risk assessment that is simple to update and is well-liked by examiners. It is presented in a MS Word table format.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Notice of Delayed Availability Form

This is a one-page Notice of Delayed Availability (hold notice) that we utilize and manually complete for holds. It has form fields where the applicable information can be entered. It can be used for both case-by-case holds and exception holds (do not need two separate forms). You can even have a printer do them in duplicate forms where the customer would have the original and operations the copy. You can customize to your bank information.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Reg GG Policy (Internet Gambling)

Reg GG Policy (Internet Gambling)

Member with $ under $250m million in assets
Located in the Midwest

50 points

Mobile Banking Marketing Flyer

This is a single page Mobile Banking marketing flyer. Provides quick to read, bullet pointed benefits and features. You can quickly and easily edit to add your bank logo, location addresses/telephone and website address.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Asset Liability Management Policy

Asset/Liability Management Policy including Interest Rate Risk Policy, Liquidity Policy and Investment Policy.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

ACH Origination Activity Annual Board Reporting

Simple Excel worksheet used to report ACH origination activity to the board annually. The ACH activity is broken down by customer and shows unauthorized rate of returns, ACH origination items, ACH origination dollar amount, as well as the customer's ACH debit and credit exposure limits before and after the annual review. This ACH origination activity report along with my full annual ACH board report (not included with this cbanc document) were reviewed by our IT Examiner in 2011 with no exceptions noted.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Wire Transfer Policy & Procedures

This Wire Transfer Policy specifies bank policy & procedures to ensure that proper controls are in place in order to mitigate risks associated with the wire transfer function. This document details authorizations, guidelines when receiving wire transfer requests, required information & retention, as well as procedures for incoming and outgoing wire transfer requests. You may also be interested in our Outgoing Wire Transfer Request Form and Wire Transfer Agreement documents.

Member with $ between $250m - $500m million in assets
Located in the Southeast

750 points

HMDA PowerPoint Training

I used this HMDA PowerPoint to train our lenders and processors. I tried to break everything down as much as I could. We are a small community bank and keep all loans in portfolio.

Member with $ under $250m million in assets
Located in the Southeast

200 points

Regulation U Procedure Manual

Regulation U Procedures - Margin Stock

Member with $ between $500m - $1b million in assets
Located in the Northeast

200 points

Collections Process

Collection Guidelines - Written for a smaller bank (145M assets). We have low delinquency - loan officers collect their own loans, we do not have a collection dept.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Loan - Collection and Delinquent Loan Guideline & Procedures

Collection and Delinquent Loan Guidlines & Procedures was drafted by our compliance officer along with the chief credit officer. It is five pages long and has passed muster with our third party compliance examiner for fair lending.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Customizable Compromised Card Letter

Attached is a sample Compromised Card letter that we send out for compromised card situations when we deem it necessary to hot card and re-issue. This letter is very simple to customize and can be set up as a mail merge for quicker processing.

Member with $ between $500m - $1b million in assets
Located in the West

50 points

Reg CC Deposit Hold Notice

Reg CC Deposit Hold Notice. Revised and updated Jan 2011 and reviewed by our FDIC compliance examiner for completeness. Easy for tellers to complete and for customers to understand.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Flood Insurance Procedures

This document is a straight-forward list of procedures for flood insurance expectations on new loans, monitoring coverage and force placement.

Member with $ over $1b million in assets
Located in the Midwest

100 points

Negotiable Collateral / Collateral Vault Procedures Template

This document can be used as a template for your own negotiable collateral/collateral vault procedures. Our external auditing company felt that the procedures were exceptional. Since implementation, we have had no issues with inconsistencies between our files and our collateral vault. This could be tweeked to accomodate different collateral vault locations and procedures. It may only take minor tweeking to change responsibilities and details.

Member with $ under $250m million in assets
Located in the Midwest

300 points

FDIC Community Reinvestment Act Tracking Sheets

This Community Reinvestment Act tracking sheet was provided to me, August 2012, by the FDIC. They wanted all CRA items on this worksheet and said they would be using this in the future. No specific instructions were given as far as what they wanted in each line, just the general CRA guidelines.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Finanace charge spreadsheet

Listing of common fees paid in a real estate transation and where or not it is a finance charge. Reposted from Bankers Online website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

Business Continuity / Disaster Recovery Plan

The attached zip file contains a detailed Business Continuity Plan / Disaster Recovery. It's about 114 pages, and I have gone through each section and attempted to remove reference to Mariner's Bank throughout the files. There are 26 sections to this plan and it has gone through internal audits and currently FDIC Audit. During my FDIC audit I have to expand on alternate recovery site and long term interruption procedures specific to certain software and certain departments, but otherwise it is good.

Member with $ between $250m - $500m million in assets
Located in the Northeast

900 points

ADA/ ATM Policy

The Department of Justice (the Department) has amended its regulation implementing title II and title III of the Americans with Disabilities Act (ADA), which applies to public accommodations and commercial facilities. The ADA design standards are consistent with the guidelines published by the U.S. Architectural and Transportation Barriers Compliance Board (Access Board). The Title II and III rules adopt new Standards for Accessible Design that are consistent with the ADA/ABA Accessibility Guidelines developed by the Access Board. The final rule also amends the existing title II and III regulations to make it consistent with current policies and published guidance, to reflect the Department's experience since the regulation was first published in 1991. These revisions take effect on March 15, 2011.

Member with $ between $250m - $500m million in assets
Located in the Southwest

50 points

Adverse Action Training for Small Banks

Training material for annual Adverse Action Training. It includes model forms and flow charts plus checklists for withdrawn/declined loans. Very helpful information which serves also as our bank's procedures for handling adverse action.

Member with $ under $250m million in assets
Located in the West

200 points

Internet Banking Policy

This is a sample Internet Banking Policy including sections on purpose, objective, goals, authority, risks, operational elements, reporting, security, audit and compliance.

Member with $ between $250m - $500m million in assets
Located in the Midwest

400 points

Risk Assessment Template New Product/SErvie

This is a template to be used to create risk assessments for new products and services. It has not been fully vetted in an examination, but state examiners did review one completed risk assessment in this format and were very complimentary.

Member with $ over $1b million in assets
Located in the Northeast

1200 points

ACH Annual Originator Review Procedures and form

This document outlines procedures for conducting the required annual review for all ACH Originators including the form.

Member with $ under $250m million in assets
Located in the West

100 points

Change of Address Procedures

Change of address procedures.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Appraisal Letter of Engagement

Letter of Engagement for consumer/ag property is 2 pages. Letter for income producing property is 4 pages. Updated for USPAP but not reviewed by regulators.

Member with $ under $250m million in assets
Located in the Southwest

50 points

Consumer RDC Agreement

The Consumer RDC Agreement was written by the Internal Auditor and Compliance Officer and was then approved by legal counsel.

Member with $ between $500m - $1b million in assets
Located in the Northeast

350 points

Fee Spreadsheet

Spreadsheet listing fees and HUD-1 lines and RESPA Blocks. Reposted from Bankers Online website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

ERM Governance Model

One page power point of ERM governance org structure.

Member with $ over $1b million in assets
Located in the Northeast

50 points

Unfair, Deceptive and Abusive Acts and Practices Policy

It is the policy of the Bank to comply with all Unfair or Deceptive Acts or Practices, which includes Regulation AA (12 CFR 227), Section 5 of the Federal Trade Commission Act (“FTC Act”) Federal Trade Commission’s 1976 rule concerning the Preservation of Consumer’s Claims and Defenses (16 CFR part 433), and the Fair Debt Collection Practices Act (“FDCPA”) and to avoid the unfair or deceptive practices described within.

Member with $ between $250m - $500m million in assets
Located in the Southwest

300 points

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Loan pricing exception form

Simple loan pricing exception form

Member with $ under $250m million in assets
Located in the Midwest

50 points

Strategic Plan Outline - Template

This is a 3-4 page outline for a strategic plan. It has the headings needed to get started. Very few descriptions. Succession Plan - Table included. Creative Writing needed as to your specific bank but regulators were fine with the sections as they were tailored to our institution.

Member with $ under $250m million in assets
Located in the Northeast

50 points

ASC 310-40 FKA FAS 114 Worksheet

Impairment worksheet for a single impaired loan. Easy to use. Favorable review from examiners. Fill in for each impaired loan. Makes it clear why the loan is considered impaired and how the impaired amount was arrived at. ASC 310, FAS114, ALLL

Member with $ under $250m million in assets
Located in the Midwest

50 points

Unfair, Deceptive, and Abusive Acts and Practices (UDAAP) Policies and Proedures

Unfair, Deceptive, and Abusive Acts and Practices (UDAAP) Policies and Procedures.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Branch Closing Policy

Easy to understand and comply with Branch Closing policy that has met regulotory scrutiny.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Business Debit Card Application

This item is an Application and Agreement for Business Debit Card Customers. We had to reseach for this Agreement and decided to combine with application. It has been reviewed by bank lawyer.

Member with $ between $250m - $500m million in assets
Located in the Southeast

250 points

Apr 03

61 purchases

Business Account Risk Assessment

This worksheet was developed in order to comply with enhanced due diligence necessary to intially risk rate our new business members. This also assists with us addressing Reg GG. Written procedure to accompany this worksheet will be posted soon.

Member with $ over $1b million in assets
Located in the Northeast

100 points

Appraisal Policy

This Appraisal Policy is 23 pages long. It was written by our Compliance Officer.

Member with $ under $250m million in assets
Located in the Southwest

200 points

Appraisal Policy-Dodd-Frank Act

This Appraisal Policy is 8 pages long, and I created this after the Dodd-Frank Act changes came about. Our regulators have reviewed this as well as internal auditors. It's very comprehensive, and I believe you will find it most useful.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

Appraisal/Evaluation Review

We are a 50 million bank and this is what we use for both our appraisals and evaluations.

Member with $ under $250m million in assets
Located in the Southwest

25 points

Appraisal Review Sheet

20 Question Appraisal Review Form

Member with $ under $250m million in assets
Located in the Midwest

50 points

Appraisal Review Form

Internal Appraisal Review Form

Member with $ under $250m million in assets
Located in the Southwest

50 points

Collateral Evaluation Form

Collateral Evaluation Form

Member with $ under $250m million in assets
Located in the Southeast

50 points

Strategic Plan Outline - Template

This is a 3-4 page outline for a strategic plan. It has the headings needed to get started. Very few descriptions. Succession Plan - Table included. Creative Writing needed as to your specific bank but regulators were fine with the sections as they were tailored to our institution.

Member with $ under $250m million in assets
Located in the Northeast

50 points

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Flood Insurance Procedures

This document is a straight-forward list of procedures for flood insurance expectations on new loans, monitoring coverage and force placement.

Member with $ over $1b million in assets
Located in the Midwest

100 points

Loan Customer Risk rating worksheet - BSA/CIP

This document is used to risk rate loan customers for CIP/BSA purposes

Member with $ under $250m million in assets
Located in the Midwest

150 points

Social Media Policy.rtf

Social Media Policy for a bank that does not use social media. This is same as before, I just changed it to a rich text format, some were having issues opening the file.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Customer Information Profile

For CIP/CDD. BSA Risk Rating based on answers to questions in Risk Identification section. Fiserv has included the form with our opening docs so it is completed at the computer and signed by the customer using the sign pad. Copies are submitted to the Compliance Officer.

Member with $ under $250m million in assets
Located in the Northeast

100 points

DropBox Memo v2

Bank memo outlining DropBox and why it should not be used. This is a new file, some folks were having issues opening the previous file.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Regulation GG - Internet Gambling Policy

Regulation GG policy to address requirements of the Unlawful Internet Gambling Enforcement Act. Includes a copy of Mastercard's Regulation GG Policy (June 3, 2011)including their written statement or notice regarding the fact that they have in place, policies and procedures to comply with Regulation GG. (as described in: Reg GG, Policies and procedures required, 12 C.F.R. §233.5(c)) Also includes a business risk profile which covers the required due dilligance at account opening.

Member with $ under $250m million in assets
Located in the Southeast

300 points

Visa-Debit Input form

form we use for Debit Card reorders, address changes, limit changes etc.

Member with $ under $250m million in assets
Located in the West

50 points

Ability to Repay 8 Required Factors Check Sheet

Ability to Repay 8 Required Factors Check Sheet, one column lists the requirements and the other column list a verification check list for each requirement. This is a user friendly check sheet.

Member with $ under $250m million in assets
Located in the Southwest

150 points

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Commercial Loan Credit Memo

This is a template for a credit memo to be used for Commercial Loans

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Returned Mail Policy/Procedures

The returned mail policy/procedures has worked well for us. It is 5 pages long inlcuding sample letters.

Member with $ between $250m - $500m million in assets
Located in the Midwest

150 points

ATM/Debit Card limit increase policy language

This is an excerpt from an ATM/Debit Card policy that addresses the need for occassional debit card limit increases, who is authorized to approve these increases, procedures for monitoring, time that limit can be raised and the max limit.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Vendor Risk Profile Assessment From

Vendor Managment Risk Assessment Profile Form. This form will help you assess and evaulate the risk profile of your vendors or service providers.

Member with $ over $1b million in assets
Located in the Southwest

200 points

Vendor Contract Review List

This form has been used by large and small financial institutions and has been accepted by the regulators.

Member with $ under $250m million in assets
Located in the West

150 points

Reg O Training- for board

You may want to add Bank specific legal lending limits, as well as, who all falls under Regulation O at your institution.

Member with $ between $500m - $1b million in assets
Located in the Southeast

150 points

Training Agenda - Teller

This training agenda was created as a guide in training a new teller. It's in a simple format that allows the trainer and/or mentor to monitor and document progress during the probationary period.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

NFF/OD Refund Policy/Procedure

Policy/Procedure governing refunds of fees.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Unfair, Deceptive and Abusive Acts and Practices Policy

It is the policy of the Bank to comply with all Unfair or Deceptive Acts or Practices, which includes Regulation AA (12 CFR 227), Section 5 of the Federal Trade Commission Act (“FTC Act”) Federal Trade Commission’s 1976 rule concerning the Preservation of Consumer’s Claims and Defenses (16 CFR part 433), and the Fair Debt Collection Practices Act (“FDCPA”) and to avoid the unfair or deceptive practices described within.

Member with $ between $250m - $500m million in assets
Located in the Southwest

300 points

UDAAP Policy

This UDAAP Policy is 6 pages long and has been reviewed by an external compliance auditor. There were a few minor recommendations made which have been incorporated into this policy. Written by a compliance officer - it combines material from several UDAAP policies into one.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Compliance Committee Reporting Form

The Compliance Committee Reporting Form is a document that is utilized by our Bank to report various compliance activity. It is reviewed by our Management Compliance Committee, Compliance Committee members, and the Board. It contains Form fields for easy use and the one I attached is actually a completed form to use as an example. It contains sections for the following: Research and Development; Products, Services or Technology; Policies & Procedures; Compliance Regulation Issues (contains a status and link for each new regulation and proposals); Risk; Training; Audits and Testing; and Other Issues. The FDIC has found it to be a very useful document during examinations that describes our compliance program activities during the review period.

Member with $ under $250m million in assets
Located in the Southeast

200 points

Website Monitoring Procedures

This is a small section from our IT Policy and Procedures describing our Website monitoring and change procedures. mc

Member with $ under $250m million in assets
Located in the West

50 points

Web Page Policy

Purpose The purpose of this policy is to define INSERT BANK NAME HERE’s intended objectives of the INSERT BANK NAME HERE public website. INSERT BANK NAME HERE has developed and operates the following secured website, INSERT WEB LINK, with the following objectives: ? To provide general information about INSERT BANK NAME HERE and the services the Bank provides. Responsibilities It is the responsibility of all INSERT BANK NAME HERE employees to utilize and be familiar with

Member with $ between $250m - $500m million in assets
Located in the West

150 points

Borrowing Base Certificate

This is a Borrowing Base Certificate (BBC) to be used by internal bank staff for monitoring formula-based lines of credit. The excel-based file has a number of formulas and can be modified by end users to meet their specific needs. (If you are interested in a simplified BBC for borrowers to fill out, let me know I have something for that as well.)

Member with $ under $250m million in assets
Located in the West

200 points

CONTINGENCY FUNDING REPORT TO THE BOARD

ANNUAL CFP REPORT TO THE BOARD OF DIRECTORS

Member with $ under $250m million in assets
Located in the Midwest

50 points

Employee Account Review - Internal Control Review

Used as an internal control, this review checklist can be used to document monitoring of employee / insider accounts.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Fair Lending Risk Assessment

Fair Lending Risk Assessment developed in 2013. Just completed FDIC compliance exam and they told us we had the best Fair Lending Program they had seen. Used information initially provided during the Intermediate ABA Compliance School to start the process. Combines the retail and secondary mortgage areas.

Member with $ between $250m - $500m million in assets
Located in the Southwest

750 points

Fair Lending Policy

This Policy is 3 pages long.

Member with $ between $500m - $1b million in assets
Located in the Southeast

100 points

Dividend Policy

This Dividend Polciy is simple policy that the OCC has reviewed and given their acceptance

Member with $ under $250m million in assets
Located in the Midwest

100 points

Reg GG Unlawful Internet Gambling Policy and Procedures

Unlawful Internet Gambling Policy which includes the actual bank policy which has been approved our Board of Directors and has been reviewed and approved by our external compliance auditors. It also includes our internal procedures and examples of letters that are mailed to customers with potential violations of the policy.

Member with $ under $250m million in assets
Located in the Southwest

150 points

Wire transfer Policy

“ABC” Bank offers our customers Wire Transfer both as a product and as a service. We also realize the inherent risk associated with such a service offering and have addressed the appropriate controls necessary to mitigate these risks. Strictly followed policy and procedures throughout the process will better insure a positive result for all parties involved.

Member with $ between $500m - $1b million in assets
Located in the Midwest

250 points

Capital Plan

Simple but accepted at recent FDIC examination.

Member with $ between $250m - $500m million in assets
Located in the Southwest

200 points

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Fair Lending Power Point

I used this powerpoint and follow-up quiz for Fair Lending training. We are a community bank (asset size $350 million). Entire session took not more than 30 minutes to do.

Member with $ between $250m - $500m million in assets
Located in the Northeast

150 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

ACH Risk Assessment

ACH Risk Assessment

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Remote Deposit Capture Annual Customer Audit and Training

Letter, audit certification and training document that can be mailed or hand delivered to your Remote Deposit Capture customers annually to help satisfy the new FFIEC Guidance requirements.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

CAPITAL PLAN

Capital Plan for OCC requirement. $160 million bank National Bank.

Member with $ under $250m million in assets
Located in the Midwest

400 points

Incident Response Plan

This document discusses the steps taken during an incident response plan. This is a working document that has been used in past regulatory exams. I also add mention of the document in the overall Information Security Program.

Member with $ between $250m - $500m million in assets
Located in the Southwest

150 points

Commercial Appraisal Review

A detailed commercial appraisal review form.

Member with $ between $500m - $1b million in assets
Located in the Northeast

250 points

Incident Response Plan Scope and Purpose

This Incident Response Plan Scope and Purpose document provides an intrusion/incident response plan to be used in the event that there is unauthorized access to or use of confidential customer information. It is an excerpt of our Information Technology Policy which is also available for purchase.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

ATR Worksheet for small creditor QM Balloon loan

My bank will provide small creditor QM balloon loans until 1/2016. We will not do HPML loans. I designed this Excel worksheet (with a sample and instructions) to address the eight underwriting standards for my lenders to use. This worksheet also addresses the copy of the appraisal delivery requirement, book and homeowner counseling list requirement, terms and rate requirement (remember to establish a minimum term of 61-62 months if you are doing a balloon loan - 60 months from the first payment date is the minimum), employment and credit history requirement, and both the DTI and residual income. The eight requirements are indicated by a corresponding red number listed under the sample. I apologize that the spreadsheet was in a newer version of Excel. I have made available an older version - Excel 97-2003. If you have any problems, please email me before you leave unpleasant feedback. This was not done intentionally. I am learning how to post to cbanc to help others. Thanks.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Flood Coverage Worksheet - Interactive

This Flood Coverage Worksheet can be used to determine the required amount of flood insurance, both at the time of origination and throughout the servicing of the loan. It is an interative spreadsheet - fill in the yellow fields with your loan information, and the blue fields automatically calculate. The spreadsheet compares the lesser of the loan amount/replacement cost and the maximum allowable insurance. It also allows up to 4 residential / commercial buildings. It will then tell you if insurance is adequate based on the comparison. A short reminder checklist at the bottom is included to document the expiration date, zone codes, document retention, etc. This has helped our servicing staff and has been put through several compliance audits and an OTS and OCC examination.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Customer Compliant Policy for CRA, Fair Lending, UDAAP

Written complaints from customers or the general public are serious matters requiring prompt and unbiased evaluation and personal responses

Member with $ between $250m - $500m million in assets
Located in the Southwest

250 points

Consumer Complaint Policy

This Consumer Complaint Policy is 2 Pages long and was written based on information found in the CFPB Supervision and Exam Manual. The policy was reviewed favorably by the OCC during a recent exam.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Initial Approval and ACH risk Policy

Policy Risk and approval forms for Cash Management ACH customers

Member with $ between $250m - $500m million in assets
Located in the West

1000 points

CATO Policy

This is a CATO (Corporate Account Takoever) Policy

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Apr 02

49 purchases

Audit Policy

This is a one page audit policy. It was written by the compliance officer.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Reg O Policy

This Reg O Policy is short and a great policy to build from

Member with $ under $250m million in assets
Located in the Midwest

50 points

HMDA PowerPoint Training

I used this HMDA PowerPoint to train our lenders and processors. I tried to break everything down as much as I could. We are a small community bank and keep all loans in portfolio.

Member with $ under $250m million in assets
Located in the Southeast

200 points

Red Flags and ID Theft Training for small banks

Some training questions for samll banks to use to make staff aware of red flags areas of concern.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Returned Mail, Hold Mail, and Change of Address Policy

This policy covers our procedures for handling returned mail, customer initiated change of address, change of address received from the Post Office, and Hold Mail.

Member with $ under $250m million in assets
Located in the Southeast

300 points

Information Security Program

Written by ISO with 8 years ISO experience and 30 years IT experience. General policy that refers to other policies beneath it allowing Board to approve high level policy generally once a year even though smaller policies underneath may change more frequently. This ISP has been through 2 FDIC exams and 2 Division of Finance exams with no recommendations for improvement.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Commercial Loan Application

Due to different disclosures for commercial loans, we created a Commercial Loan Application form that can be used to provide the disclosures to borrowers on one form rather than all separately. It contains such information as: Borrower/Guarantor, Loan Terms, Statement of Anti-Coercion (Florida law), CIP Notice, Appraisal Notice, ECOA Notice, Borrower Authorization (includes joint intent), and Bank Use Only section. It is very useful.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Business Information Profile

For CIP/CDD at account opening. Fiserv has included as part of the opening docs so it is completed on the computer and signed by using the sign pad. Copies are sent to the Compliance Officer. BSA Risk Rating is based on SIC code. Our policy states that yes to ATM, MSB, etc. requires approval by EVP/Retail Banking. We do not want these types of accounts at this time.

Member with $ under $250m million in assets
Located in the Northeast

100 points

ACH Risk Assessment

ACH Risk Assessment

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Customer authorization Address Change

Customer authorization for change of address form. Used to manage customer requests for address changes.

Member with $ under $250m million in assets
Located in the West

100 points

Address Change Request Form

This form is used for address change requests received in person, by phone, fax, mail, or email. There is a verification method section which assists in verifying the identity of the customer. If you purchase this document, you may also be interested in the Address Change Request Verification Process document that is also available. These are detailed procedures for employees receiving the address change request, Call Center staff for call back verification when needed, and Deposit Ops in making the change to the system.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Compliance and Internal Audit Schedule

Sample Internal Audit and Compliance Schedule

Member with $ between $250m - $500m million in assets
Located in the Midwest

150 points

Fair Lending Training

This is a PowerPoint presentation recently provided to the Board of Directors. It discusses the legal foundation for fair lending obligations, understanding the source of fair lending risks, what can be done to minimize exposure, and the fair lending risk assessment process. Notes are included.

Member with $ under $250m million in assets
Located in the Southeast

250 points

Employee Account Review - Internal Control Review

Used as an internal control, this review checklist can be used to document monitoring of employee / insider accounts.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Elder Abuse policy

Elder abuse policy for Kansas

Member with $ under $250m million in assets
Located in the Midwest

50 points

Interest Rate Risk Policy

This includes IRR, Asset Liability Management and Funding

Member with $ under $250m million in assets
Located in the Midwest

250 points

Customer Information Profile

For CIP/CDD. BSA Risk Rating based on answers to questions in Risk Identification section. Fiserv has included the form with our opening docs so it is completed at the computer and signed by the customer using the sign pad. Copies are submitted to the Compliance Officer.

Member with $ under $250m million in assets
Located in the Northeast

100 points

Returned Mail Policy/Procedures

The returned mail policy/procedures has worked well for us. It is 5 pages long inlcuding sample letters.

Member with $ between $250m - $500m million in assets
Located in the Midwest

150 points

SAR Committee Report

One page document that is attached to SAR.

Member with $ between $250m - $500m million in assets
Located in the Southwest

FREE

SCRA Policy

SCRA Policy

Member with $ between $250m - $500m million in assets
Located in the Southwest

200 points

Check Hold quick reference guide

Tellers quick reference tool for check holds for established and new customers.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Loan Policy

This is a lending policy for our entire organization...governs consumer and commercial loans.

Member with $ between $250m - $500m million in assets
Located in the Northeast

400 points

Business Information Profile

For CIP/CDD at account opening. Fiserv has included as part of the opening docs so it is completed on the computer and signed by using the sign pad. Copies are sent to the Compliance Officer. BSA Risk Rating is based on SIC code. Our policy states that yes to ATM, MSB, etc. requires approval by EVP/Retail Banking. We do not want these types of accounts at this time.

Member with $ under $250m million in assets
Located in the Northeast

100 points

Customer Information Profile

For CIP/CDD. BSA Risk Rating based on answers to questions in Risk Identification section. Fiserv has included the form with our opening docs so it is completed at the computer and signed by the customer using the sign pad. Copies are submitted to the Compliance Officer.

Member with $ under $250m million in assets
Located in the Northeast

100 points

Information Security Program

Written by ISO with 8 years ISO experience and 30 years IT experience. General policy that refers to other policies beneath it allowing Board to approve high level policy generally once a year even though smaller policies underneath may change more frequently. This ISP has been through 2 FDIC exams and 2 Division of Finance exams with no recommendations for improvement.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Property Inspection Form

Property Inspection form used for tracking officer site visits for construction lending, OREO and other inspection needs.

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

Regulation D Policy

The Regulation D policy includes sections discussing the purpose of the regulation, Reg. D limitations on savings accounts, NOW account eligibility, early withdrawal penalty rules, and a policy statement. It does not include a discussion on reserve requirements.

Member with $ under $250m million in assets
Located in the Southeast

100 points

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

BSA AML TRaining for Board

25-page overview of BSA/AML Program requirements for Board-level presentation. Used to satisfy annual BSA training requirement without going into specific procedural details. developed in concert with a peer at a regional savings bank.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

Vendor Mgmt - Risk Evaluation-Due Diligence Manual

Here is our Vendor Management Policy / Manual - which includes the due diligence template for new vendor management projects. This policy/manual has grown significantly over the years, and the due diligence is quite extensive. We had completed an FDIC exam this year and updated this with comments from FDIC and internal auditors - everything has been updated/revised and approved by our board of directors.

Member with $ between $250m - $500m million in assets
Located in the Northeast

250 points

Check Hold quick reference guide

Tellers quick reference tool for check holds for established and new customers.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Reg O Policy

This Reg O Policy is short and a great policy to build from

Member with $ under $250m million in assets
Located in the Midwest

50 points

Customer Information Profile

For CIP/CDD. BSA Risk Rating based on answers to questions in Risk Identification section. Fiserv has included the form with our opening docs so it is completed at the computer and signed by the customer using the sign pad. Copies are submitted to the Compliance Officer.

Member with $ under $250m million in assets
Located in the Northeast

100 points

Annual Security Board report

Annual Security Board Report suggestions

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Consumer Information Security Annual Report to the Board

This Consumer Information Security Annual Report to the Board of Directors was written through the guidance of FDIC examiners. It meets the requirements as dictated by Appendix F To Part 225 of FDIC Regulation.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

Remote Deposit Capture Annual Customer Audit and Training

Letter, audit certification and training document that can be mailed or hand delivered to your Remote Deposit Capture customers annually to help satisfy the new FFIEC Guidance requirements.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

Opening New Branch Task Plan Matrix

Matrix includes 12 categories of items to be dealt with, and each category is broken down into individual parts. I General Assumptions II Real Estate Services III Telecommunication IV PC Support V Human Resources VI Branch Management, Retail Six other categories to provide complete coverage of getting a new branch opened on schedule.

Member with $ between $500m - $1b million in assets
Located in the Southwest

200 points

Customer Information Profile

For CIP/CDD. BSA Risk Rating based on answers to questions in Risk Identification section. Fiserv has included the form with our opening docs so it is completed at the computer and signed by the customer using the sign pad. Copies are submitted to the Compliance Officer.

Member with $ under $250m million in assets
Located in the Northeast

100 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

UDAAP Policy

This UDAAP Policy is 6 pages long and has been reviewed by an external compliance auditor. There were a few minor recommendations made which have been incorporated into this policy. Written by a compliance officer - it combines material from several UDAAP policies into one.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Qualified Mortgage Points & Fees Thresholds Worksheet

This Qualified Mortgage Points & Fees Threshold Worksheet will assist you in calculating your points & fees threshold limits & will inform you if you are in or out of compliance with this aspect of the QM rules.

Member with $ under $250m million in assets
Located in the Southeast

200 points

BSA / AML annual board of directors training

BSA / AML power point board of directors annual training. This has been passed around from several banks and each bank has tweak the material as necessary to fit into their BSA program. This has been reviewed and approved by our current internal auditors during our annual review, Federal Reserve Bank of Boston and the Ma State Division of Banking.

Member with $ under $250m million in assets
Located in the Northeast

100 points

Online Account Opening Risk Assessment

The Online Account Opening Risk Assessment is 5 1/2 pages long. It has been reviewed by FDIC S&S and BSA Examiners, along with external IT Auditors, with no exceptions or recommendations noted.

Member with $ between $250m - $500m million in assets
Located in the Southeast

150 points

GLBA-Annual Report to the Board of Directors

This document satisifies the GLBA required annual report to the board. Is simple, but includes all of the required notifications. Is well-received by auditors and FDIC examiners. Bank size is 0-$250M

Member with $ under $250m million in assets
Located in the Midwest

100 points

ADA Policy

Disability Accommodation Bank is committed to complying fully with the Americans with Disabilities Act (ADA) and ensuring equal opportunity in employment for qualified persons with disabilities. All employment practices and activities are conducted on a non-discriminatory basis. Hiring procedures have been reviewed

Member with $ between $250m - $500m million in assets
Located in the West

150 points

Teller Cash Procedures

I have attached the table of contents covering the teller cash procedures that may be of interest to you.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Check Cashing Procedures

Check Cashing Procedures

Member with $ under $250m million in assets
Located in the Southwest

200 points

Apr 01

47 purchases

CRA Policy

CRA Policy for banks under a strategic plan.

Member with $ over $1b million in assets
Located in the West

200 points

Ability to Repay 8 Required Factors Check Sheet

Ability to Repay 8 Required Factors Check Sheet, one column lists the requirements and the other column list a verification check list for each requirement. This is a user friendly check sheet.

Member with $ under $250m million in assets
Located in the Southwest

150 points

Consumer Loan Base Rate Sheet

This Rate sheet is 1 page long. It has been approved by the DOJ.

Member with $ under $250m million in assets
Located in the Southwest

100 points

Internet Banking Risk Assessment

I took my IT risk assessment and converted it to work with an Internet banking risk assessment. I have formulas in there so it will calculate the risk valus and raiting along with the mitigation. Let me know if you have any suggestions.

Member with $ between $250m - $500m million in assets
Located in the Southeast

150 points

Online Banking Risk Assessment

Online Banking Risk Assessment in compliance with the new FFIEC guidance(FIL-50-2011) Basic Risk assessment reviewing FI’s online banking environment & risk management systems, assigning risk rating on Threats/vulnerabilities, and evaluating Control effectiveness.

Member with $ between $250m - $500m million in assets
Located in the West

200 points

DropBox Memo v2

Bank memo outlining DropBox and why it should not be used. This is a new file, some folks were having issues opening the previous file.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Security Threat Alert -- Commercial Account E-Banking

This is a security threat alert which is free for your bank to use. It contains information on a recently received phishing attack where cyber-criminals are posing as NACHA and gives your account holders 5 easy tips on how to spot a phishing attack. Our customers send alerts like these to their commercial customers via email or post to their online banking website. While we do not mind free press, you may remove our branding and replace it with your organization's logos. We also have a best-in-breed solution to protect your accounts from even the most malicious financial malware. It has been independently verified to block password-stealers and Man-In-the-Middle attacks. If you would like more info, or to be signed up to receive future alerts, please contact me: Ryan Elmer National Director, eBankSafe Total Networx, Inc. (952) 400-6508 relmer@totalnetworx.com

3rd Party Content

FREE

ACH Risk Assessment Sample

This is only a small sample from an ACH risk assessment to help answer a question about formatting.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

ATR Checklist w/bonus Small Creditor Checklist

This is an excel spreadsheet with tab for ATR checklist that can be printed and put into your loan files for compliance. It does cover all 8 points so you don't have to worry. There is also a tab for Small Creditor QM checklist, again for proof of compliance. No fields are blocked so you can modify to fit your needs.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Flood Declaration Page Review

Checklist utilized to ensure the Flood Declaration Page information is accurate based on the Flood Determination Form,Loan Information and Bank Policy.

Member with $ under $250m million in assets
Located in the West

100 points

Municipal Bond Credit Review Worksheet

Excel spreadsheet developed as an overview of pre and post purchase municipal bond analysis

Member with $ under $250m million in assets
Located in the Southeast

50 points

UDAAP Policy

This UDAAP Policy is 6 pages long and has been reviewed by an external compliance auditor. There were a few minor recommendations made which have been incorporated into this policy. Written by a compliance officer - it combines material from several UDAAP policies into one.

Member with $ over $1b million in assets
Located in the Midwest

200 points

ACH Customer Check List

ACH Checklist for New Customers.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Interbank Liability Policy

This Interbank Liability Policy will address your Interbank risk tolerance with Correspondent Banks

Member with $ under $250m million in assets
Located in the Midwest

50 points

Cash Flow Analysis Spreadsheet

Proforma Cash flow spreadsheet which also includes worksheets 10% and 20% stress tests. Allows for easy input pages that feed directly into main sheets.

Member with $ under $250m million in assets
Located in the Midwest

1000 points

Corporate Account Takeover Risk Assessment

The Texas Department of Banking (DOB) issued Supervisory Memorandum 1029: Standards for the Risk Management of Corporate Account Takeovers. The Memorandum, along with extensive “Best Practices”, provides banks with a roadmap and tools to counter the increasing occurrence of this type of cybercrime. This material was developed by a Task Force comprised of representatives from the DOB, U.S. Secret Service, and the banking industry. Additional information regarding the Task Force, process and related resources are available online.

Member with $ between $250m - $500m million in assets
Located in the Southwest

FREE

Consumer Real Estate Compliance Checklist

I often forget to check the little things. And the little things are what get us dinged. So I've made my own checklist which helps me member the little things. Hopefully it will help you too.

Member with $ under $250m million in assets
Located in the Southeast

250 points

CATO Incident Response Plan

This is our Bank's CATO Incident Response Plan

Member with $ between $500m - $1b million in assets
Located in the Southwest

200 points

Reg CC Training

This is a customizable power point presentation (29 slides) that provides a basic history of Reg CC, then jumps right in to an in-depth discussion of Holds. Updated in 2010, this presentation includes new terminology and helps to eliminate confusion around the ‘old’ classifications of “local and non-local”. (These items are now “next day” and “non-next-day”. ) Slides include discussion samples designed to get Tellers and Personal Bankers thinking about best practices for complex situations. Takes 30-45 minutes to present, based on the level of discussion in your training room.

Member with $ under $250m million in assets
Located in the Midwest

250 points

ATR Checklist w/bonus Small Creditor Checklist

This is an excel spreadsheet with tab for ATR checklist that can be printed and put into your loan files for compliance. It does cover all 8 points so you don't have to worry. There is also a tab for Small Creditor QM checklist, again for proof of compliance. No fields are blocked so you can modify to fit your needs.

Member with $ under $250m million in assets
Located in the Midwest

250 points

ADA Policy

Disability Accommodation Bank is committed to complying fully with the Americans with Disabilities Act (ADA) and ensuring equal opportunity in employment for qualified persons with disabilities. All employment practices and activities are conducted on a non-discriminatory basis. Hiring procedures have been reviewed

Member with $ between $250m - $500m million in assets
Located in the West

150 points

TDR Determination Questionnaire for Loan Modifications

We are now using this questionnaire along with current financial analysis on any loan we modify. Our external loan review firm thought it was excellent. Will let you know what the examiners think after our exam this fall.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Municipal Bond Analysis Spreadsheet

This is an excel spreadsheet used to calculate various ratios for General Obligation and Revenue Municipal Bonds and compares to Guidelines you establish.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Safe Deposit Box Procedures

This document outlines normal and force open/non witnessed safe deposit visit procedures.

Member with $ between $500m - $1b million in assets
Located in the Southwest

50 points

Business Information Profile

For CIP/CDD at account opening. Fiserv has included as part of the opening docs so it is completed on the computer and signed by using the sign pad. Copies are sent to the Compliance Officer. BSA Risk Rating is based on SIC code. Our policy states that yes to ATM, MSB, etc. requires approval by EVP/Retail Banking. We do not want these types of accounts at this time.

Member with $ under $250m million in assets
Located in the Northeast

100 points

Customer Information Profile

For CIP/CDD. BSA Risk Rating based on answers to questions in Risk Identification section. Fiserv has included the form with our opening docs so it is completed at the computer and signed by the customer using the sign pad. Copies are submitted to the Compliance Officer.

Member with $ under $250m million in assets
Located in the Northeast

100 points

Cash Handling Procedures

Daily cash handling, methods of control, cash limits, cash counting methods

Member with $ under $250m million in assets
Located in the Southwest

3000 points

Check Hold quick reference guide

Tellers quick reference tool for check holds for established and new customers.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Electronic Data Processing (EDP) Policy

A sample Electronic Data Processing (EDP) Policy suitable for smaller banks without a formal IT department.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Opening New Branch Task Plan Matrix

Matrix includes 12 categories of items to be dealt with, and each category is broken down into individual parts. I General Assumptions II Real Estate Services III Telecommunication IV PC Support V Human Resources VI Branch Management, Retail Six other categories to provide complete coverage of getting a new branch opened on schedule.

Member with $ between $500m - $1b million in assets
Located in the Southwest

200 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Confidentialilty Agreement

Outlines the responsibility of the third party providing services for the Bank with respect to confidential information. Includes requirements of the company to detect Identity Red Flags.

Member with $ over $1b million in assets
Located in the Northeast

100 points

Regulation D Policy

The Regulation D policy includes sections discussing the purpose of the regulation, Reg. D limitations on savings accounts, NOW account eligibility, early withdrawal penalty rules, and a policy statement. It does not include a discussion on reserve requirements.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Fair Lending Risk Assessment

Fair Lending Risk Assessment developed in 2013. Just completed FDIC compliance exam and they told us we had the best Fair Lending Program they had seen. Used information initially provided during the Intermediate ABA Compliance School to start the process. Combines the retail and secondary mortgage areas.

Member with $ between $250m - $500m million in assets
Located in the Southwest

750 points

ACH Annual Originator Review Procedures and form

This document outlines procedures for conducting the required annual review for all ACH Originators including the form.

Member with $ under $250m million in assets
Located in the West

100 points

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Remote Deposit Capture Annual Customer Audit and Training

Letter, audit certification and training document that can be mailed or hand delivered to your Remote Deposit Capture customers annually to help satisfy the new FFIEC Guidance requirements.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

Remote Deposit Capture (RDC) Risk Assessment

This was updated March 2014 to included some additional suggestions from FDIC. 1. To address the risk of customer who use RD for several deposit accounts, and 2. to include a column for customers who were on an internal watch list. This is an excel spreadsheet that considers 18 different risk areas (applying a risk weighting score). Instructions are included on a sheet tab, and scoring key is described in each of the 18 columns. An overall risk score is calcuated allowing you to determine what is high, medium and low risk for your institution. The spreadsheet allows you to see all your RDC customers in one report. And it enables you to sort the data in various ways (example: highest to lowest risk, customers missing agreements, customers needing on-site visits, etc.).

Member with $ under $250m million in assets
Located in the Midwest

200 points

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

Risk Assessment Template New Product/SErvie

This is a template to be used to create risk assessments for new products and services. It has not been fully vetted in an examination, but state examiners did review one completed risk assessment in this format and were very complimentary.

Member with $ over $1b million in assets
Located in the Northeast

1200 points

SSAE16 / SAS70 Report Review Tool

This tool has proven effective for regulator and external auditor audits. This tool allows the reviewer to mitigate risks of SSAE16 / SAS70 reports by matching defined User Control Considerations found in the SSAE16 / SAS70 report to the organizations controls. This report tool was created by an individual who spent most of the SOX boom performing IT audits for small (50 million) to multinational clients at a Big 4 accounting firm.

Member with $ over $1b million in assets
Located in the Midwest

200 points

New RDC Customer Checklist

This checklist can be used to document that all training and setup requirements for new remote deposit customers were met. See the "New RDC Customer Risk Assessment" if you also need a due diligence/risk assessment worksheet.

Member with $ between $250m - $500m million in assets
Located in the Southwest

50 points

Reg GG Policy - Internet Gambling

This Reg GG policy is 3 pages long.

Member with $ under $250m million in assets
Located in the Southwest

100 points

Compliance Risk Assessment Profile - OCC

This Compliance Risk Assessment Matrix (Excel) follows the OCC Community Bank Supervision Handbook (Appendix B) and includes risk assessments for: BSA/AML/OFAC, Fair Lending, Consumer Lending & Deposit Operations, Privacy/FCRA/Marketing. The OCC assesses the quantity of risk, quality of risk management, aggregate level of risk, and the direction of risk for each risk category. Each tab represents the categories and is scored on a low/medium/high. The results at the top of each tab automatically populate in the first summary tab to give an overview of risk. There is also a column for additional comments to explain the determination of each score.

Member with $ between $500m - $1b million in assets
Located in the Midwest

250 points

Customer Information Profile

For CIP/CDD. BSA Risk Rating based on answers to questions in Risk Identification section. Fiserv has included the form with our opening docs so it is completed at the computer and signed by the customer using the sign pad. Copies are submitted to the Compliance Officer.

Member with $ under $250m million in assets
Located in the Northeast

100 points

Flood Coverage Worksheet - Interactive

This Flood Coverage Worksheet can be used to determine the required amount of flood insurance, both at the time of origination and throughout the servicing of the loan. It is an interative spreadsheet - fill in the yellow fields with your loan information, and the blue fields automatically calculate. The spreadsheet compares the lesser of the loan amount/replacement cost and the maximum allowable insurance. It also allows up to 4 residential / commercial buildings. It will then tell you if insurance is adequate based on the comparison. A short reminder checklist at the bottom is included to document the expiration date, zone codes, document retention, etc. This has helped our servicing staff and has been put through several compliance audits and an OTS and OCC examination.

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

Incentive Plan for Commercial Relationship Managers

Commercial Relationship Manager Incentive Plan. This is a one page incentive plan designed to bring relationships to the bank rather than having a separation between depositors and loan clients.

Member with $ between $500m - $1b million in assets
Located in the Midwest

200 points

Mar 31

83 purchases

Mobile Banking Risk Assessment

Mobile Banking Risk Assessment

Member with $ between $250m - $500m million in assets
Located in the West

600 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

BSA Training - Joepardy Game

This is an Excel spreadsheet designed like the television Jeopardy game. Split your class into two teams. Have them choose a name for their team and a leader to speak on their behalf. I gave each team three questions or until they missed an answer. You will need to click on the 'Answer' tab and customize the answers to be applicable with your FI, such as Name of Your BSA Officer, etc. You will also want to customize some of the questions and answers to make the game applicable to the department you will train. Use your answer time to explain your BSA program regarding the respective item/answer. We received tons of compliments on this training this year. I got the idea from BOL.com. Try their website for loads more! Enjoy!

Member with $ between $500m - $1b million in assets
Located in the Southeast

50 points

High Risk Customer Review Checklist

1 page High Risk Customer Review Checklist

Member with $ under $250m million in assets
Located in the Midwest

100 points

Records Retention Schedule

This schedule was compiled by a compliance liasion for several small community banks in New York State.

Member with $ under $250m million in assets
Located in the Northeast

400 points

ACH Risk Assessment Sample

This is only a small sample from an ACH risk assessment to help answer a question about formatting.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Wire transfer Policy

“ABC” Bank offers our customers Wire Transfer both as a product and as a service. We also realize the inherent risk associated with such a service offering and have addressed the appropriate controls necessary to mitigate these risks. Strictly followed policy and procedures throughout the process will better insure a positive result for all parties involved.

Member with $ between $500m - $1b million in assets
Located in the Midwest

250 points

Remote Deposit Capture Annual Customer Audit and Training

Letter, audit certification and training document that can be mailed or hand delivered to your Remote Deposit Capture customers annually to help satisfy the new FFIEC Guidance requirements.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

Regulation B Appraisal Rule Procedures

The Regulation B appraisal procedures, in the form of a Compliance Advisory that our Bank utilizes internally, describes the following: Purpose, Effective Date, Applicability, Definitions, Regulation B Appraisal Requirements, Internal Procedures (that should be customized for your bank), Appraisals for HPML Loans, and an Appraisal Delivery Acknowledgment form used.

Member with $ under $250m million in assets
Located in the Southeast

250 points

BSA On Site Business Inspection Form

The On-Site Business Inspection Form can be used by bankers who may be required to visit businesses considered high-risk under your bank's BSA procedures (e.g., MSBs). The form has fields to input such information as the Account Information and an Inspection Checklist, which includes several questions about the business.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Change of Address Procedures

Change of address procedures.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

ACH Risk Assessment

ACH Risk Assessment

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

BSA Risk Assessment

The BSA/AML Risk Assessment is 10 pages long and is formatted by listing the bank's products and services and then documenting controls and residual risk ratings. The final pages of the Assessment includes a summary overall BSA/AML rating. The title lines may be misaligned due to removing verbiage under mitigating controls in order to delete specific product and service data.

Member with $ between $250m - $500m million in assets
Located in the West

200 points

ACH Policy

This ACH policy is 4 pages long. It was written by our general counsel.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Credit Underwriting for ACH and RDC Survey Results

Over 160 cbanc Members recently shared their thoughts and experiences around Credit Underwriting for ACH and RDC for their institution. Click purchase now to download the survey results for your institution.

3rd Party Content

350 points

S.A.F.E. Act policy

SAFE Act policy 2014

Member with $ between $250m - $500m million in assets
Located in the Northeast

200 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Deposit Decay Rates

This is a spreadsheet I developed to measure deposit decay rates and liability sensitivity of non-maturity deposits.

Member with $ under $250m million in assets
Located in the West

400 points

Online Cash Management and ACH Agreement

Online cash management agreement including an ACH agreement, wire agreement and tax payment services agreement.

Member with $ under $250m million in assets
Located in the Southeast

300 points

Worthless Asset Procedure

Procedure for determining worthless asset/filing 1099-C

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

Internet Banking Enrollment Agreement (Cash Management)

Internet Banking enrollment form for Cash Management customers.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Contingency Funding Plan

Our CFP has been in place since 2009 and has been reviewed by both State and Federal Reserve examiners several times.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

PTO Policy

PTO Policy

Member with $ under $250m million in assets
Located in the Midwest

200 points

UDAAP Policy

This UDAAP Policy is 6 pages long and has been reviewed by an external compliance auditor. There were a few minor recommendations made which have been incorporated into this policy. Written by a compliance officer - it combines material from several UDAAP policies into one.

Member with $ over $1b million in assets
Located in the Midwest

200 points

Written Plan to Reduce Adversely Classified Assets

This written plan to reduce adversely classified assets projects the reduction in classifications based on the prior quarter reduction, with seasonal adjustments.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Record Retention Schedule

A useable record retention schedule.

Member with $ under $250m million in assets
Located in the West

50 points

Request for more Info

This is one page long. This form can be used for several things that need to be included with the loan packages. When a second request is necessary, we stamp 2nd Request in red and send the letter again, followed by the lender placing a phone call to the customer.

Member with $ under $250m million in assets
Located in the Southeast

25 points

Record Retention & Destruction

This is one of the Banks general policies for record retention & Destruction. The preview shows how they are categorized (only a sample) and a sample of what's broken out.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Freddie Mac PRE closing quality control checklist

Developed this form in response to Freddie Mac rules that require pre-closing loan reviews. We are a small community bank that does a lot of Freddie Mac loans. This works well for us, hope you find it useful.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Debit card dispute form

This form allows customers to file a dispute for a debit card transaction.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Interest Rate Risk Policy

This includes IRR, Asset Liability Management and Funding

Member with $ under $250m million in assets
Located in the Midwest

250 points

Contingency Funding Policy

The Contingency Funding Plan establishes policies to manage a range of stressed liquidity scenarios, establish clear lines of responsibility, and provide a roadmap of actions should a stressed liquidity situation materialize.

Member with $ under $250m million in assets
Located in the Midwest

500 points

Mortgage Pre-Approval "First Step" letter

Customer friendly Pre-Approval letter.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Commercial Appraisal Review

A detailed commercial appraisal review form.

Member with $ between $500m - $1b million in assets
Located in the Northeast

250 points

Policy and Procedure - Suspicious Banking Activity

POLICY It is Your Banks policy to identify in a timely manner any accounts that may be conducting suspicious banking activity. If detected the account relationship should be terminated in order to prevent loss to the bank. Fraud detective software’s have been implemented to assist in the detection of suspicious banking activity.

Member with $ between $250m - $500m million in assets
Located in the West

100 points

Foreclosure Self-Assessment

This Foreclosure Self-Assessment is the Foreclosure Self-Assessment developed specifically for our bank. It is geared towards banks in judicial foreclosure states. It is more of a sample than a form and will need to be updated with specific information about the Bank's foreclosures that are included in the sample.

Member with $ under $250m million in assets
Located in the Northeast

1000 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

ATR Checklist w/bonus Small Creditor Checklist

This is an excel spreadsheet with tab for ATR checklist that can be printed and put into your loan files for compliance. It does cover all 8 points so you don't have to worry. There is also a tab for Small Creditor QM checklist, again for proof of compliance. No fields are blocked so you can modify to fit your needs.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Liquidity Profile

Our Chief Financial Officer developed a simplistic Liquidity Monitor in 2002 and it has evolved over the years. The stressed profile was added in 2010. Federal Reserve and state examiners have been very complimentary.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Reg E disputes/error Log

We have been repeatedly complimented by the examiners (both internal and external)on the Reg E Error Log that we created to log in all customer disputes that fall under the Reg E.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Cash Management Purchase List

We have all businesses to sign this in addition to any ACH contract they may need. It lists all of the available items that we offer with online cash management along with the prices. The customer chooses what items they would like to purchase and signs the form. Also, it will list all account #'s that will be online and each person with a user id must sign. This form also lists individual transaction fees that are charged.

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

Ability to Repay Policy

Short policy as a supplement to Reg Z to address Ability to Repay regulations. Document received no-comment from regulators during mini review of updated policies and procedures.

Member with $ under $250m million in assets
Located in the Midwest

75 points

Night Deposit Procedures and Night Deposit Logs

The first page of this document lists procedures for night deposit processing. Page 2 is a Mail and Night Deposit Daily Log and page 3 is a Night Deposit Bag Release Log we use to track bags left in the branch for customer pick up.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Br Mgr Control Review Worksheet

Branch Manager Control Review Worksheet

Member with $ under $250m million in assets
Located in the Southeast

100 points

Ability to Repay 8 Required Factors Check Sheet

Ability to Repay 8 Required Factors Check Sheet, one column lists the requirements and the other column list a verification check list for each requirement. This is a user friendly check sheet.

Member with $ under $250m million in assets
Located in the Southwest

150 points

Branch Cash Audit Workpapers

An Excel workbook of cash audit wokpapers for teller drawers, cash vault, ATM, bait money listing, and various branch logs. This is an .xlsx document created in 2007 Excel. Users on earlier versions of Excel may have compatibility issues when opening. If you have issues, email me and I will help you correct them.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Bait Money Log

Bait Money log used to track bait money and file

Member with $ under $250m million in assets
Located in the Southwest

50 points

Monthly audit checklist

This is a checklist used to track the internal branch operations, including vault, signage, night deposit, job rotation, inventory, etc.

Member with $ over $1b million in assets
Located in the Midwest

50 points

BSA Marijuana Related Businesses

With the recent legalization of marijuana in Seattle and Colorado, I decided to implement policy on Marijuana Related Businesses. I could not find any other institutions that have such a policy. It was reviewed and approved by our board.

Member with $ between $500m - $1b million in assets
Located in the Northeast

200 points

Reg E disputes/error Log

We have been repeatedly complimented by the examiners (both internal and external)on the Reg E Error Log that we created to log in all customer disputes that fall under the Reg E.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Security Threat Alert -- Commercial Account E-Banking

This is a security threat alert which is free for your bank to use. It contains information on a recently received phishing attack where cyber-criminals are posing as NACHA and gives your account holders 5 easy tips on how to spot a phishing attack. Our customers send alerts like these to their commercial customers via email or post to their online banking website. While we do not mind free press, you may remove our branding and replace it with your organization's logos. We also have a best-in-breed solution to protect your accounts from even the most malicious financial malware. It has been independently verified to block password-stealers and Man-In-the-Middle attacks. If you would like more info, or to be signed up to receive future alerts, please contact me: Ryan Elmer National Director, eBankSafe Total Networx, Inc. (952) 400-6508 relmer@totalnetworx.com

3rd Party Content

FREE

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

FDIC Compliance Management Program

I downloaded this from the FDIC website. If the document doesn't work, you can find the manual there. UPDATE: It seems some people were having trouble downloading this file due to its size. I have replaced the document with a zipped file of the same manual. If you have trouble downloading it, please contact the Cbanc support team. They can send it to you directly.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Overall Bank Risk Matrix

Our bank is $54M in size. Risk Matrix is 6 pages long. Includes Regs B, D, E, O, P, Q, Z (B, C & E), X, AA, CC, DD, FDIC ADVERTISING, FCRA, FLOOD, BSA/AML, OFAC, SALES OF INS., FINANCIAL PRIVACY, CRA & COPA. It has the inherent risk rating based on penalties, reputational, and past violations. It explains the definitions and how to rate each category and the net risk effect (actions needed, monitoring, training). Our examiners really were impressed with this.

Member with $ under $250m million in assets
Located in the Midwest

400 points

Remote Deposit Capture Annual Customer Audit and Training

Letter, audit certification and training document that can be mailed or hand delivered to your Remote Deposit Capture customers annually to help satisfy the new FFIEC Guidance requirements.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

IT Steering Committee Structure and Responsibilities

This is a brief description of the Structure and responsibilities of an IT steering Committee.

Member with $ under $250m million in assets
Located in the Midwest

50 points

CATO Policy

This is a CATO (Corporate Account Takoever) Policy

Member with $ between $500m - $1b million in assets
Located in the Southwest

100 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

ATR Checklist w/bonus Small Creditor Checklist

This is an excel spreadsheet with tab for ATR checklist that can be printed and put into your loan files for compliance. It does cover all 8 points so you don't have to worry. There is also a tab for Small Creditor QM checklist, again for proof of compliance. No fields are blocked so you can modify to fit your needs.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

Commercial Appraisal Review

A detailed commercial appraisal review form.

Member with $ between $500m - $1b million in assets
Located in the Northeast

250 points

Reg E Letter to Customers

Form letter to notify customers of credit on POS transactions.

Member with $ under $250m million in assets
Located in the Midwest

50 points

ATR Checklist w/bonus Small Creditor Checklist

This is an excel spreadsheet with tab for ATR checklist that can be printed and put into your loan files for compliance. It does cover all 8 points so you don't have to worry. There is also a tab for Small Creditor QM checklist, again for proof of compliance. No fields are blocked so you can modify to fit your needs.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

Ability to Repay 8 Required Factors Check Sheet

Ability to Repay 8 Required Factors Check Sheet, one column lists the requirements and the other column list a verification check list for each requirement. This is a user friendly check sheet.

Member with $ under $250m million in assets
Located in the Southwest

150 points

BSA Marijuana Related Businesses

With the recent legalization of marijuana in Seattle and Colorado, I decided to implement policy on Marijuana Related Businesses. I could not find any other institutions that have such a policy. It was reviewed and approved by our board.

Member with $ between $500m - $1b million in assets
Located in the Northeast

200 points

Ability to Repay 8 Required Factors Check Sheet

Ability to Repay 8 Required Factors Check Sheet, one column lists the requirements and the other column list a verification check list for each requirement. This is a user friendly check sheet.

Member with $ under $250m million in assets
Located in the Southwest

150 points

Ability to Repay 8 Required Factors Check Sheet

Ability to Repay 8 Required Factors Check Sheet, one column lists the requirements and the other column list a verification check list for each requirement. This is a user friendly check sheet.

Member with $ under $250m million in assets
Located in the Southwest

150 points

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

Ability to Repay 8 Required Factors Check Sheet

Ability to Repay 8 Required Factors Check Sheet, one column lists the requirements and the other column list a verification check list for each requirement. This is a user friendly check sheet.

Member with $ under $250m million in assets
Located in the Southwest

150 points

Ability to Repay 8 Required Factors Check Sheet

Ability to Repay 8 Required Factors Check Sheet, one column lists the requirements and the other column list a verification check list for each requirement. This is a user friendly check sheet.

Member with $ under $250m million in assets
Located in the Southwest

150 points

BSA Marijuana Related Businesses

With the recent legalization of marijuana in Seattle and Colorado, I decided to implement policy on Marijuana Related Businesses. I could not find any other institutions that have such a policy. It was reviewed and approved by our board.

Member with $ between $500m - $1b million in assets
Located in the Northeast

200 points

New/Discontinue Product-Service, Infrastructure Evaluation Packet

New/Discontinue Product, Infrastructure Evaluation Packet. This contains the following documents: 1) New Product or Service Evaluation 2) Discontinuation of Product or Service Evaluation 3) Infrastruture Evaluation 4) Risk Assessment Worksheet 5) Project/Task Worksheet Template

Member with $ under $250m million in assets
Located in the West

400 points

Teller Cash Procedures

I have attached the table of contents covering the teller cash procedures that may be of interest to you.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Regulation CC Policy

A sample Regulation CC Policy is attached. This document is provided for information purposes only. It is not intended as legal advice. You may wish to consult with legal counsel before using any document or agreement for your particular situation. No legal advice is given or intended by uploading this document for your review.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Mortgage Loan Originator Compensation

Mortgage Loan Originator Compensation is the latest in a series of compliance challanges facing community banks. Faced with complex regulations and a distinct lack of guidance from the agencies, even the smallest of banks must review their compensation plans to determine if changes are needed. We have a simple program in place for our Secondary Market that has been reviewed by an attorney and deemed to be compliant based on the rather non-complex approach we have taken. This document is our formal statement of intent to comply, and outlines the basic compensation structure in place.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Mtg QC Post Closing Worksheet

We use this worksheet to complete a post closing review. It is self-calculating and easy to use. It could also be used for pre-closing, however, we do have a separate one for that. This has been submitted to both FHA and RHS as part of mortgage QC program.

Member with $ under $250m million in assets
Located in the Midwest

100 points

FCRA Direct Dispute Form

For use to document direct disputes from customers.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Strategic Plan Outline - Template

This is a 3-4 page outline for a strategic plan. It has the headings needed to get started. Very few descriptions. Succession Plan - Table included. Creative Writing needed as to your specific bank but regulators were fine with the sections as they were tailored to our institution.

Member with $ under $250m million in assets
Located in the Northeast

50 points

ATR Worksheet for small creditor QM Balloon loan

My bank will provide small creditor QM balloon loans until 1/2016. We will not do HPML loans. I designed this Excel worksheet (with a sample and instructions) to address the eight underwriting standards for my lenders to use. This worksheet also addresses the copy of the appraisal delivery requirement, book and homeowner counseling list requirement, terms and rate requirement (remember to establish a minimum term of 61-62 months if you are doing a balloon loan - 60 months from the first payment date is the minimum), employment and credit history requirement, and both the DTI and residual income. The eight requirements are indicated by a corresponding red number listed under the sample. I apologize that the spreadsheet was in a newer version of Excel. I have made available an older version - Excel 97-2003. If you have any problems, please email me before you leave unpleasant feedback. This was not done intentionally. I am learning how to post to cbanc to help others. Thanks.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

ACH Annual Review Form

Comprehensive annual review form. Includes product risk assessment based on products used and dollar limits.

Member with $ between $500m - $1b million in assets
Located in the West

400 points

Mar 30

9 purchases

Loan Workout Policy

Loan Workout Policy that incorporates guidance for workouts, classified assets and TDRs. Drafted by the Special Asset Manager. Has been reviewed by the FDIC and approved by the Bank's BOD.

Member with $ between $500m - $1b million in assets
Located in the Midwest

250 points

SAR Committee Report

One page document that is attached to SAR.

Member with $ between $250m - $500m million in assets
Located in the Southwest

FREE

BSA audit for Patriot Officer rule testing

Workpaper for rule testing of automated montioring system Patriot Officer

Member with $ between $500m - $1b million in assets
Located in the Southeast

50 points

Remote Access Policy and Agreement

Purpose is to define standards, procedures, and restrictions for connecting to the Bank from external hosts.

Member with $ between $500m - $1b million in assets
Located in the West

100 points

Portable Computing Policy

Policy for use of mobile devices, and other devices like usb drives

Member with $ under $250m million in assets
Located in the Midwest

200 points

S.A.F.E. Act Audit

This is an audit program for compliance with the S.A.F.E. Act. Program addresses the following areas: 1. Policies and Procedures 2. Bank Registration 3. Identification of MLOs 4. Registration of MLOs 5. Unique Identifier - When provided 6. Training

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

FDIC Community Reinvestment Act Tracking Sheets

This Community Reinvestment Act tracking sheet was provided to me, August 2012, by the FDIC. They wanted all CRA items on this worksheet and said they would be using this in the future. No specific instructions were given as far as what they wanted in each line, just the general CRA guidelines.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

SAFE Act MLO Registration Audit

This audit program was created as a guide to test compliance with the MLO Registration Requirements of the SAFE Act.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

RESPA Qualified Written Request Procedures

Procedures for RESPA Qualified Written Request including Error Resolution and Request for Information as required by Section 1024.35 and Section 1024.36 of RESPA

Member with $ between $500m - $1b million in assets
Located in the Midwest

350 points

Mar 29

5 purchases

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

RDC - Template Polciy

Template policy for RDC

3rd Party Content

200 points

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

Remote Deposit Capture Application & Agreement

An RDC customer application and agreement all rolled into one document.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Mar 28

80 purchases

Regulation E Exhibits

Attached are the Regulation E exhibits to support the Regulation Policy. It contains the Debiting Provisional letter, Additional Information Letter, EFT Statement of Dispute, Final Credit Letter, No Error Found letter, Provisional Credit letter and Reg E Error Resolution Training Log. It is not intended as legal advice. You may wish to consult with legal counsel before using any document or agreement for our particular situation. No legal advice is given or intended by uploading this document for your review.

Member with $ under $250m million in assets
Located in the Midwest

50 points

ACH Risk Assessment

ACH Risk Assessment

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

Information Security Program Report template UPDATED

Updated template based upon best practices that state and federal regulatory examiners would like to see. Broke out group items into single line items for clarity and added CIS vendor management oversight.

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

Information Security Program

Written by ISO with 8 years ISO experience and 30 years IT experience. General policy that refers to other policies beneath it allowing Board to approve high level policy generally once a year even though smaller policies underneath may change more frequently. This ISP has been through 2 FDIC exams and 2 Division of Finance exams with no recommendations for improvement.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Patch Management Policy & Procedures

Our Patch Management Policy is a component of our Information Security Program.

Member with $ under $250m million in assets
Located in the Northeast

50 points

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

Information Disposal Policy

Information Disposal Policy is 2 pages long cover the disposal of information and data in electronic or paper format.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

PC Configuration Check list for small banks

Basic configuration standards to check off and keep for examiners in how you set up all new pc's in your network.

Member with $ under $250m million in assets
Located in the Midwest

25 points

Merchant (Remote) Deposit Capture Agreement

Merchant/Remote Deposit Agreement. Covers compliance with security procedures, annual credit reviews, responsibilities, liabilities, contingenccy plan, image and MICR quality, maintenance and destruction of items, returns and warranties. Includes schedules.

Member with $ between $250m - $500m million in assets
Located in the Southeast

500 points

Clean Desk Policy

It is generally accepted that a “clean” desk is a sign of efficiency and effectiveness; a neat desk also serves to keep customer and bank information secure. We utilize this policy to keep sensitive customer and bank infromation secure and out of view during bank business hours and when the employee leave premises or is gone for an extended period of time (vacation, meetings, illness, etc.)

Member with $ under $250m million in assets
Located in the Midwest

150 points

ACH Policy

This ACH policy was developed by the Operations Officer of a 176M community thrift.

Member with $ under $250m million in assets
Located in the Northeast

250 points

BSA audit for Patriot Officer rule testing

Workpaper for rule testing of automated montioring system Patriot Officer

Member with $ between $500m - $1b million in assets
Located in the Southeast

50 points

CCB Check 21 Policy And Procedures

Check 21 Policy and Procedures including exhibits

Member with $ under $250m million in assets
Located in the West

300 points

Remote Deposit Capture (RDC) Policy

Remote Deposit Capture (RDC) Policy

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

Request for Information - Mobile Deposit Capture

Request for Information for Mobile Deposit Capture targeting mainly consumers with smartphones. Written by IT administrator and Operations manager with over 30+ years experience in security and ops.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Audit Procedures for BSA/AML

The procedures were recently reviewed during our FDIC exam and no changes were suggested. Other aspects of the area, such as anything related to IT, are covered in other audits.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Sample Nondeposit Investment Policy

Sample policy to address risks associated with offering non-deposit investment products in the branches through a joint marketing arrangement.

Member with $ between $500m - $1b million in assets
Located in the West

150 points

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

ACH Origination Training Checklist

This is a helpful checklist to ensure and document that all important items were discussed with the customer during the initial implementation and training process.

Member with $ between $500m - $1b million in assets
Located in the Southeast

100 points

Reg D Procedures

Reg D Procedures to monitor excess transactions including customer violation letters. Removed references to NOW account eligibility.

Member with $ under $250m million in assets
Located in the West

200 points

Written Statment of Unauthorized ACH Debit

This form was just updated to included the option for Incomplete Transactions.

Member with $ under $250m million in assets
Located in the West

150 points

Reg E disputes/error Log

We have been repeatedly complimented by the examiners (both internal and external)on the Reg E Error Log that we created to log in all customer disputes that fall under the Reg E.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Reg CC - Exception Holds Chart

I have found this Reg CC Holds chart that we have been using for the last 20 years is the easiest to navigate through. I have made some changes by having it to apply to exception holds only, and have made the changes from the last update to the regulation.

Member with $ under $250m million in assets
Located in the Southwest

50 points

BSA Procedure for Identifying and Monitoring High Risk Accounts

Covers Identifying, classifying and monitoring accounts for BSA risk assessments

Member with $ under $250m million in assets
Located in the Midwest

200 points

BSA - CDD and EDD forms for New Business Accounts

This document contains 2 separate fillable forms with instructions. The customer Due Diligence from (CDD)does the initial risk assessment for all new business accounts, while the Enhanced Due Diligence form (EDD) provides fields for additional review for accounts reated high risk.

Member with $ between $250m - $500m million in assets
Located in the West

250 points

Product/Service Risk Rating - BSA/AML

A crucial step in developing an BSA/AML risk assessment, this document is used to assign inherent risk to products and services.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Risk Assessment Checklist/Guideline

Fraud attempts, Identity Theft, Compromised accounts and relevant “Red Flags” reported will be handled by the Risk Management Department in the following manner. For any additional information pertaining to fraud alerts, ID Theft, and compromised accounts, refer to the ID Theft Red Flag Program for a complete list of Red Flags & the ID Theft Response list. 1. Determine what types of affected account(s) are involved. • If a loan is involved, refer via e-mail to the loan servicing manager. • If a credit card is involved, refer via e-mail to the credit services manager. • If a savings and/or an transaction account(s) is involved complete the following:

Member with $ between $250m - $500m million in assets
Located in the West

100 points

real estate evaluation review checklist

Checklist to be used by loan review or appraisal review staff to make sure the evaluation contains everything needed by regulation. Simple one page form.

Member with $ under $250m million in assets
Located in the Midwest

25 points

Elder Abuse Reporting Policy

Policy to comply with state law which mandates the bank report suspected financial elder abuse.

Member with $ between $500m - $1b million in assets
Located in the Northeast

200 points

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

Overview of Ebanking Compliance

This article was in the Federal Reserve Consumer Compliance Outlook. It might help.

Member with $ under $250m million in assets
Located in the Midwest

FREE

Municipal Bond Analysis Spreadsheet

This is an excel spreadsheet used to calculate various ratios for General Obligation and Revenue Municipal Bonds and compares to Guidelines you establish.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Bank Robery

Robbery Question Answer. It was written by our compliance officer with 30 years of experience.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Branching and Closing Policy

This Branching and Closing Policy is 3 pages long. It was written by our compliance officer. The policy has been in effect since 2006 with FDIC and internal auditors reviewing annually with minor updates.

Member with $ under $250m million in assets
Located in the Midwest

200 points

Branch Closing Policy

In determining whether a branch is profitable, management may make good faith use of any reasonable method, provided that the same method is applied to all branches of the bank, with such reasonable exceptions for military base branches and limited-service branches. Consideration for closing a branch has to be based purely on business considerations, and not, for example, on the racial or ethnic makeup of a branch's surrounding community. The policy covers the due diligence required under the regulation for closing a branch, the required notices and time frames for posting notices and mailings to customers.

Member with $ over $1b million in assets
Located in the Northeast

150 points

Written Statement Under Penalty of Perjury

We have been audited by FDIC and there were no issues with this form.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Compliance Committee sample meeting minutes

We hold a monthly Compliance Committee meeting. The minutes each month are presented to the board and a copy is saved for examiner review. Our examiners like the fact we have a meeting each month and the topics we review.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

FCRA Direct Dispute Form

For use to document direct disputes from customers.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Appraisal Review Form

Internal Appraisal Review Form

Member with $ under $250m million in assets
Located in the Southwest

50 points

Policy List and Renewal Schedule


Member with $ between $500m - $1b million in assets
Located in the Southeast

100 points

Risk Assessment for Instant Issue Debit Cards

This risk assessment was written by a Financial Institution employee with 32 years banking experience, with 20 of those years in the Compliance Arena.

Member with $ between $250m - $500m million in assets
Located in the Midwest

1600 points

Business Continuity Planning slide presentation

This is a slide presentation of a Webinar HEIT recently delivered to banks across the country. It describes the pros and cons of using Business Continuity Planning software. Be sure to check out our offer of a one-hour consultation with a HEIT BCP specialized consultant. ("Business Continuity Planning Consultation")

3rd Party Content

200 points

Negotiable Collateral / Collateral Vault Procedures Template

This document can be used as a template for your own negotiable collateral/collateral vault procedures. Our external auditing company felt that the procedures were exceptional. Since implementation, we have had no issues with inconsistencies between our files and our collateral vault. This could be tweeked to accomodate different collateral vault locations and procedures. It may only take minor tweeking to change responsibilities and details.

Member with $ under $250m million in assets
Located in the Midwest

300 points

Force place insurance letter

This hasn't been subject to an exam yet - we have that yet to come - but maybe it will give you some ideas.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Force place insurance letter

This hasn't been subject to an exam yet - we have that yet to come - but maybe it will give you some ideas.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Night Deposit Procedures

Simple Night Deposit Audit Procedures. Main concerns are dual controls and contracts on file for customers.

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

REG CC Lobby notice and change in terms statement stuffer

This document consists of a statement stuffer detailing the change in terms for a bank that provides next day availability but also reserves the right to place case-by-case and exception holds. Also includes the required lobby notice. These are the samples included in the regulation modified for the shift to all local routing numbers. Review the highlighted areas to make sure they match your bank's policy. We reserve the right to use the maximum holds, so that is what is reflected on the attached sample.

Member with $ under $250m million in assets
Located in the Southwest

1 points

BIA Template

After struggling mightily with how to streamline the buildout of the BIA section of our business continuity process, we developed this template internally, disseminated it globally and it saved us immense quantities of time during this challenging process! (2 pages)

Member with $ between $500m - $1b million in assets
Located in the Midwest

100 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

New/Discontinue Product-Service, Infrastructure Evaluation Packet

New/Discontinue Product, Infrastructure Evaluation Packet. This contains the following documents: 1) New Product or Service Evaluation 2) Discontinuation of Product or Service Evaluation 3) Infrastruture Evaluation 4) Risk Assessment Worksheet 5) Project/Task Worksheet Template

Member with $ under $250m million in assets
Located in the West

400 points

Policy List and Renewal Schedule


Member with $ between $500m - $1b million in assets
Located in the Southeast

100 points

Annual Policy Review List


Member with $ under $250m million in assets
Located in the Southeast

500 points

Bank Policies List

Here a list of Policies

Member with $ under $250m million in assets
Located in the Midwest

50 points

Board Policy Reviews

This is a listing of board policies reviewed on a monthly basis.

Member with $ under $250m million in assets
Located in the Southeast

FREE

Policy List

Policy List used for tracking updates and board approvals.

Member with $ under $250m million in assets
Located in the West

50 points

Internal Audit Policy

Policy for internal auditor. Has been through examinations

Member with $ under $250m million in assets
Located in the Midwest

200 points

Conflict of Interest

This is the bank's conflict of interest and code of ethics policy and procedures. This has been board approved. Document covers acceptance of gifts, conflict of interest disclosure, external involvement, reporting questionable practices, etc.

Member with $ under $250m million in assets
Located in the Midwest

200 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Bank Policy List

A list of bank policies that includes when it was last approved by the BOD.

Member with $ under $250m million in assets
Located in the Northeast

50 points

Policy List and Renewal Schedule


Member with $ between $500m - $1b million in assets
Located in the Southeast

100 points

Patch Management Policy

We have had this patch management policy for several years and it has made it through several audits, internal as well as federal and state.

Member with $ under $250m million in assets
Located in the West

400 points

Call Report Policy

Call Report Policy

Member with $ under $250m million in assets
Located in the Midwest

150 points

Information Security Quiz

A quiz given to new employees on Information Security, Internet and Security.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Policy List and Renewal Schedule


Member with $ between $500m - $1b million in assets
Located in the Southeast

100 points

Website review checklist

One page concise website review checklist

Member with $ under $250m million in assets
Located in the Midwest

100 points

Reg E disputes/error Log

We have been repeatedly complimented by the examiners (both internal and external)on the Reg E Error Log that we created to log in all customer disputes that fall under the Reg E.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Policy List

Attached is a listing of the policies that we present for approval to our Board annually.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Policy Listing

This is a list of all of the policies at our bank.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Policy List and Renewal Schedule


Member with $ between $500m - $1b million in assets
Located in the Southeast

100 points

Bank Policy List

A list of bank policies that includes when it was last approved by the BOD.

Member with $ under $250m million in assets
Located in the Northeast

50 points

Board Policy Reviews

This is a listing of board policies reviewed on a monthly basis.

Member with $ under $250m million in assets
Located in the Southeast

FREE

Product Risk Assessment procedures

This is a simple procedure for analysis of a new product or service. We originally sought this out to document analysis of new loan products but it is generic enough to use for other things.

Member with $ under $250m million in assets
Located in the West

100 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

Remote Deposit Capture (RDC) Risk Assessment

This was updated March 2014 to included some additional suggestions from FDIC. 1. To address the risk of customer who use RD for several deposit accounts, and 2. to include a column for customers who were on an internal watch list. This is an excel spreadsheet that considers 18 different risk areas (applying a risk weighting score). Instructions are included on a sheet tab, and scoring key is described in each of the 18 columns. An overall risk score is calcuated allowing you to determine what is high, medium and low risk for your institution. The spreadsheet allows you to see all your RDC customers in one report. And it enables you to sort the data in various ways (example: highest to lowest risk, customers missing agreements, customers needing on-site visits, etc.).

Member with $ under $250m million in assets
Located in the Midwest

200 points

Remote Deposit Agreement

Customer agreement for use of NBT's remote deposit website

Member with $ under $250m million in assets
Located in the Southeast

100 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Reg CC - Exception Holds Chart

I have found this Reg CC Holds chart that we have been using for the last 20 years is the easiest to navigate through. I have made some changes by having it to apply to exception holds only, and have made the changes from the last update to the regulation.

Member with $ under $250m million in assets
Located in the Southwest

50 points

Positive Pay Agreement

Positive Pay Agreement. We use this agreement as a supplement to our commercial cash management agreement but it could easily be used as a stand alone agreement.

Member with $ between $500m - $1b million in assets
Located in the Midwest

250 points

Positive Pay Agreement

There are 5 pages of the Agreement and 3 for signers, authorized accounts, issued check file formating, exception verbiage, pay or return defaults, user contact information and other things like that, so I didn't consider it in the # of pages.

Member with $ between $250m - $500m million in assets
Located in the West

250 points

Mar 27

69 purchases

Risk Assessment for Instant Issue Debit Cards

This risk assessment was written by a Financial Institution employee with 32 years banking experience, with 20 of those years in the Compliance Arena.

Member with $ between $250m - $500m million in assets
Located in the Midwest

1600 points

REGULATION O ANALYSIS

This Reg O checklist is used for compliance purposes for Regulation O loans to ensure compliance. This was blessed by an FDIC examiner, and they love the form.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Teller Policy and Procedures

Teller Operating Policy and Procedures is 21 pages long. It was written to give clear and percise guidance to tellers regarding acceptable practices. This document has also served as a tool for measuring performance. Great for tellers that are new to the field.

Member with $ under $250m million in assets
Located in the Southwest

400 points

Provisional Credit Letter to customer for Debit Card Disputes

This is a letter that would be used to notify a customer who has filed a debit dispute that you will be granting them provisional credit while the investigation takes place. Examiners and auditors have reviewed these with no findings or recommendations.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Notice of Delayed Availability Form

This is a one-page Notice of Delayed Availability (hold notice) that we utilize and manually complete for holds. It has form fields where the applicable information can be entered. It can be used for both case-by-case holds and exception holds (do not need two separate forms). You can even have a printer do them in duplicate forms where the customer would have the original and operations the copy. You can customize to your bank information.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Board Policy Reviews

This is a listing of board policies reviewed on a monthly basis.

Member with $ under $250m million in assets
Located in the Southeast

FREE

Audit Procedures for BSA/AML

The procedures were recently reviewed during our FDIC exam and no changes were suggested. Other aspects of the area, such as anything related to IT, are covered in other audits.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Record Retention Schedule

A useable record retention schedule.

Member with $ under $250m million in assets
Located in the West

50 points

BSA Audit Worksheet Steps

15 Steps to BSA Compliance Audit. Each step becomes workpaper page to audit BSA compliance.

Member with $ under $250m million in assets
Located in the Southwest

200 points

Ability to Repay and QM worksheets

Worksheets for ATR and QM

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

ACH Risk Assessment Sample

This is only a small sample from an ACH risk assessment to help answer a question about formatting.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

ACH/Originator Audit Policy

Includes info on the annual audit of ACH Originators.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

RDC - Sample Risk Assessment

Sample Risk Assessment for RDC

3rd Party Content

200 points

Compliance Risk Assessment Matrix

This risk assessment allows each reg to be assigned a risk score based upon objective criteria and then feeds the scores back into a summary sheet.

Member with $ under $250m million in assets
Located in the Midwest

500 points

Remote Deposit Capture (RDC) Risk Assessment

This was updated March 2014 to included some additional suggestions from FDIC. 1. To address the risk of customer who use RD for several deposit accounts, and 2. to include a column for customers who were on an internal watch list. This is an excel spreadsheet that considers 18 different risk areas (applying a risk weighting score). Instructions are included on a sheet tab, and scoring key is described in each of the 18 columns. An overall risk score is calcuated allowing you to determine what is high, medium and low risk for your institution. The spreadsheet allows you to see all your RDC customers in one report. And it enables you to sort the data in various ways (example: highest to lowest risk, customers missing agreements, customers needing on-site visits, etc.).

Member with $ under $250m million in assets
Located in the Midwest

200 points

Enterprise Compliance Risk Assessment

This risk assessment addresses key laws and regulations across business lines. It can provide a high quality snapshot of compliance risks for your Compliance Team and BOD. Instructions and risk rating criteria are included. * Updated 10/14/11 to correct UDAAP typo.

Member with $ between $250m - $500m million in assets
Located in the Southwest

300 points

Bank Jeopardy Game

This is a powerpoint Jeopardy game that we use for training here at work. We just change the catergories and slides with each training. Very easy, very fun to play. I have the hyperlinks built in already. You just have to hit home on the slides to get back to the game.

Member with $ under $250m million in assets
Located in the Midwest

300 points

Scam Stoppers Quick Questions

The "Scam Stoppers Quick Questions" document is a tool that front-line staff could use if they are presented with a check that appears to be a scam. It contains questions to ask for overpayment & fake check scams, advance fee & prepayment scams, sweepstakes & lottery scams, employment scams, emergency & grandparent scams, and charity scams. We include various internal Resources that provides more information on these scams and those could be added to the end of the document for your bank.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Customer eStatement Transition Letters

Three one page letters to send to customers notifying them of the transistion to eStatement delivery: Letter 1 - version for those who are now receiving e-mailed statements but are NOT currently signed up for Online Banking Letter 2 - version for those who are receiving e-mailed statements and are already Online Banking customers/users Letter 3 - version for those who are Online Banking customers but have never used eStatements

Member with $ under $250m million in assets
Located in the Midwest

200 points

Reg CC New Account Hold Form

This is a quick form/notice for detailing and determining Reg CC holds. It is customized for new accounts.

Member with $ over $1b million in assets
Located in the Midwest

100 points

Remote Deposit Capture Policy

This Remote Deposit Capture policy has been reviewed during various exams and audit, with no comments or suggested changes.

Member with $ between $500m - $1b million in assets
Located in the Northeast

250 points

Fair Lending Policy

Attached is my Fair Lending Policy

Member with $ under $250m million in assets
Located in the West

300 points

Loan Review Analysis

This Loan Review Analysis is a great starting point tool.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Fair Lending Policy

This is a 5-page Board-approved Fair Lending Policy that includes the following sections: Purpose, Policy Statement, Practices & Procedures to Comply (credit application, underwriting, monitoring, third parties, marketing, employee training, and customer complaints), and Compliance Responsibility.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Reg E Audit Checklist

A checklist to be used for internal compliance audit of Reg E

Member with $ under $250m million in assets
Located in the Southeast

200 points

Servicemembers Civil Relief Act Policy

This is a policy for board approval for the Servicemembers Civil Relief Act. It is a basic policy for board consideration and approval. This document is provided for information purposes only. It is not intended as legal advice. You may wish to consult with legal counsel before using any document or agreement for your particular situation. No legal advice is given or intended by uploading this document for your review.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Loan Pricing Policy

This is the loan pricing policy our bank has developed. It was our existing policy when our bank went through our FDIC Safety & Soundness, and Fair Lending Exam in November 2010. Prior versions have been through FDIC and State Exams. Changes from prior versions are minimal. I have uploaded the Rate Sheets that we developed to meet our pricing policy to Cbanc as well.

Member with $ under $250m million in assets
Located in the Southwest

200 points

Social Media Policy.rtf

Social Media Policy for a bank that does not use social media. This is same as before, I just changed it to a rich text format, some were having issues opening the file.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Board Policy Reviews

This is a listing of board policies reviewed on a monthly basis.

Member with $ under $250m million in assets
Located in the Southeast

FREE

Board Policy Reviews

This is a listing of board policies reviewed on a monthly basis.

Member with $ under $250m million in assets
Located in the Southeast

FREE

GLBA & IT Infomation Security Risk Assessment

This GLBA\Information Security Risk Assessment and IT Risk Assessment is 21 pages and covers all aspects of Information Security. It has been continuously refined over the last eight years. The assessment has been well received by IT auditors, State Examiners, and FDIC. The Risk Assessment Methodolgy and Risk Assessment Device Classification are two other documents available in cbanc that support this risk assessment module.

Member with $ under $250m million in assets
Located in the Southeast

500 points

Capital Plan Policy

Basic capital policy which includes trigger points and action items under each trigger point - board approved.

Member with $ under $250m million in assets
Located in the Midwest

500 points

Appraisal Policy

Appraisal Policy for use by credit unions in compliance with NCUA directives and regulations

Member with $ under $250m million in assets
Located in the West

150 points

Commercial Loan Risk Rating Matrix

Great template to use to justify or audit commercial loan grades. Good tool for loan officers and relationship managers to use when deciding how to rate a commercial loan.

Member with $ between $250m - $500m million in assets
Located in the West

400 points

Fair Lending Self Assessment

This Fair Lending template was designed by a senior lender with over 20 years of consumer lending. It was developed after an OCC exam suggested we do an internal fair lending assessment annually. This template is for auto loans. All auto loans are logged upon being booked on our core system. We use a template for each type of loan. Annually, all loan officers meet to review the templates and determine if any loan officer is lending outside of our lending and underwriting policy.

Member with $ under $250m million in assets
Located in the Midwest

100 points

GLBA-Annual Report to the Board of Directors

This document satisifies the GLBA required annual report to the board. Is simple, but includes all of the required notifications. Is well-received by auditors and FDIC examiners. Bank size is 0-$250M

Member with $ under $250m million in assets
Located in the Midwest

100 points

Fair Lending Risk Matrix

This is a three page assessment identifying basic Fair Lending parameters, with low, medium, high indicators. First two pages are the matrix. Third page is a summary of the matrix. For use by small banks. OCC approved.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Vendor Risk Assessment

This has been used in both large and small financial institutions and has been accepted by the regulators.

Member with $ under $250m million in assets
Located in the West

100 points

ACH Authorization For Direct Payment

ACH Authorization Agreement For Direct Payment Has been examined as recently as August of 2011. Word Doc.

Member with $ under $250m million in assets
Located in the Midwest

50 points

ACH Debit Authorization

Generic NACHA consumer debit authorization.

Member with $ under $250m million in assets
Located in the Southwest

FREE

Board Policy Reviews

This is a listing of board policies reviewed on a monthly basis.

Member with $ under $250m million in assets
Located in the Southeast

FREE

New Account worksheet for Existing Customer

This CIP worksheet is used for existing customers opening new accounts. This includes CIP and BSA information.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Online Account Opening Risk Assessment

The Online Account Opening Risk Assessment is 5 1/2 pages long. It has been reviewed by FDIC S&S and BSA Examiners, along with external IT Auditors, with no exceptions or recommendations noted.

Member with $ between $250m - $500m million in assets
Located in the Southeast

150 points

Consumer BSA Risk Rating Spreadsheet

We use this spreadsheet to risk rate any personal accounts for BSA purposes in order to determine our higher risk customer which need additional monitoring.

Member with $ under $250m million in assets
Located in the Midwest

250 points

SAFE Act Policy and Procedures

Policy and Procedures that have been reviewed by external auditors and Federal Reserve Examiners.

Member with $ over $1b million in assets
Located in the Midwest

75 points

Strategic Plan Outline - Template

This is a 3-4 page outline for a strategic plan. It has the headings needed to get started. Very few descriptions. Succession Plan - Table included. Creative Writing needed as to your specific bank but regulators were fine with the sections as they were tailored to our institution.

Member with $ under $250m million in assets
Located in the Northeast

50 points

Document Imaging Audit purpose and scope

This Document Imaging audit purpose and scope were written by our Internal Auditor.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Reg E disputes/error Log

We have been repeatedly complimented by the examiners (both internal and external)on the Reg E Error Log that we created to log in all customer disputes that fall under the Reg E.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Fee Spreadsheet

Spreadsheet listing fees and HUD-1 lines and RESPA Blocks. Reposted from Bankers Online website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Ability to Repay and QM worksheets

Worksheets for ATR and QM

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Board Policy Reviews

This is a listing of board policies reviewed on a monthly basis.

Member with $ under $250m million in assets
Located in the Southeast

FREE

Residential Underwriting Guidelines

Residential Underwriting Guidelines addressing QM and non-Qm loans

Member with $ between $250m - $500m million in assets
Located in the Northeast

400 points

Bank Policy List

A list of bank policies that includes when it was last approved by the BOD.

Member with $ under $250m million in assets
Located in the Northeast

50 points

Board Policy Reviews

This is a listing of board policies reviewed on a monthly basis.

Member with $ under $250m million in assets
Located in the Southeast

FREE

Reg E Audit Checklist

A checklist to be used for internal compliance audit of Reg E

Member with $ under $250m million in assets
Located in the Southeast

200 points

Fair Credit Reporting Act and FACT Act Policy

The policy covers Fraud Alerts and Suspected ID theft. Includes responding to disputes from reporting agencies and direct disputes from customers. Also covers Notice of Negative Information and sharing with affiliates.

Member with $ over $1b million in assets
Located in the Northeast

400 points

Mtg QC Post Closing Worksheet

We use this worksheet to complete a post closing review. It is self-calculating and easy to use. It could also be used for pre-closing, however, we do have a separate one for that. This has been submitted to both FHA and RHS as part of mortgage QC program.

Member with $ under $250m million in assets
Located in the Midwest

100 points

BSA/AML REVIEW CHECKLIST - Ind. Audit

This checklist was created when I started doing the BSA/AML Independent Review for our bank in 2007. I have used this for the past several years. Includes BSA Pre Review; Anti-Money Laundering Policies, Procedures, And Programs; CTR's; SAR's; Exemptions (Phase I & II); Purchases And Sales Of Monetary Instruments; Funds Transfer Activity; Pouch Activity; OFAC; Recordkeeping Requirements; Information Sharing; Internal Routine And Controls; Audit Or Independent Review; Information And Communication Systems; Board And Senior Management Oversight; Training; Private Banking; Payable Through Accounts (PTA); International Correspondent Banking Relationships; Electronic Banking; Funds Transfer Activity; Deposit Broker Activities; Special-Use/Concentration Accounts. We are a smaller community bank and some of the higher risk areas do not apply, but are in the audit to show it was assessed.

Member with $ under $250m million in assets
Located in the Southeast

250 points

Residential Underwriting Guidelines

Residential Underwriting Guidelines addressing QM and non-Qm loans

Member with $ between $250m - $500m million in assets
Located in the Northeast

400 points

Mobile RDC Risk Assessment

This risk assessment serves to influence the decision-making process for the deployment and management of Mobile Remote Deposit Capture (mRDC).

Member with $ between $500m - $1b million in assets
Located in the Northeast

300 points

Reg E Audit Checklist

A checklist to be used for internal compliance audit of Reg E

Member with $ under $250m million in assets
Located in the Southeast

200 points

Vendor Risk Assessment

This has been used in both large and small financial institutions and has been accepted by the regulators.

Member with $ under $250m million in assets
Located in the West

100 points

Reg CC Policy - Funds Availability

This Reg CC policy is 13 pages long.

Member with $ under $250m million in assets
Located in the Southwest

300 points

Regulation CC Funds Availability Reference Guide

Do you have trouble determining how many business days to held certain types of deposits? This is an easy-to-reference Regulation CC Guide that I have used at several institutions for front-line staff who place holds on deposits. It can be customized to your Bank's hold procedures. It includes the type of deposit, # days until availability, and any reason for delay. It is split out into Our Policy, Case-By-Case Holds, Exception Holds, and New Account Holds. NOTE: It has been updated to the $200 next day availability for the 7/21/11 Dodd-Frank Act revision to Regulation CC.

Member with $ under $250m million in assets
Located in the Southeast

200 points

Night Deposit Procedures

Simple Night Deposit Audit Procedures. Main concerns are dual controls and contracts on file for customers.

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

ASC 310-40 FKA FAS 114 Worksheet

Impairment worksheet for a single impaired loan. Easy to use. Favorable review from examiners. Fill in for each impaired loan. Makes it clear why the loan is considered impaired and how the impaired amount was arrived at. ASC 310, FAS114, ALLL

Member with $ under $250m million in assets
Located in the Midwest

50 points

CRA audit workpaper testing CRA LAR

CRA Audit workpaper for testing the CRA LAR log data integrity testing used in consulting practice.

Member with $ between $500m - $1b million in assets
Located in the Southeast

200 points

Mar 26

84 purchases

Collateral Evaluation Form

Collateral Evaluation Form

Member with $ under $250m million in assets
Located in the Southeast

50 points

Mortgage Compliance Checklist

Check list for pre and post closing documents

Member with $ under $250m million in assets
Located in the Midwest

100 points

Reg CC New Account Hold Form

This is a quick form/notice for detailing and determining Reg CC holds. It is customized for new accounts.

Member with $ over $1b million in assets
Located in the Midwest

100 points

Social Media Policy

This Social Media Policy is a total of 6 pages in length. It covers employee personal use of social media as well as bank use of social media. Most of the sample policies I looked at only dealt with proper employee usage and did not get into any policy information relative to the bank deciding to utilize social media. I decided to put these two different aspects of social media together into one policy.

Member with $ under $250m million in assets
Located in the Southeast

300 points

Mtg QC Post Closing Worksheet

We use this worksheet to complete a post closing review. It is self-calculating and easy to use. It could also be used for pre-closing, however, we do have a separate one for that. This has been submitted to both FHA and RHS as part of mortgage QC program.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Social Media Risk Assessment

Social Media risk assessment covering the implementation considerations to be considered for bank's entering social media for the first time.

Member with $ over $1b million in assets
Located in the Northeast

750 points

Remote Deposit Capture (RDC) Policy

Remote Deposit Capture (RDC) Policy

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

SAFE Act Audit

This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

Ability to Repay and QM worksheets

Worksheets for ATR and QM

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Mobile Banking Risk Assessment

This Mobile Banking Policy is 27 pages long. Our internal auditors complimented us on the detail included in this document in our most recent audit.

Member with $ between $500m - $1b million in assets
Located in the West

500 points

Product Risk Assessment procedures

This is a simple procedure for analysis of a new product or service. We originally sought this out to document analysis of new loan products but it is generic enough to use for other things.

Member with $ under $250m million in assets
Located in the West

100 points

E-Sign Procedures for Mortgage Personnel

Procedures on how loan originators and processors will comply with the E-Sign Act, especially in regards to the Reg B Appraisal delivery requirement.

Member with $ under $250m million in assets
Located in the Midwest

150 points

ASC 310-40 FKA FAS 114 Worksheet

Impairment worksheet for a single impaired loan. Easy to use. Favorable review from examiners. Fill in for each impaired loan. Makes it clear why the loan is considered impaired and how the impaired amount was arrived at. ASC 310, FAS114, ALLL

Member with $ under $250m million in assets
Located in the Midwest

50 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Compliance Risk Assessment Profile - OCC

This Compliance Risk Assessment Matrix (Excel) follows the OCC Community Bank Supervision Handbook (Appendix B) and includes risk assessments for: BSA/AML/OFAC, Fair Lending, Consumer Lending & Deposit Operations, Privacy/FCRA/Marketing. The OCC assesses the quantity of risk, quality of risk management, aggregate level of risk, and the direction of risk for each risk category. Each tab represents the categories and is scored on a low/medium/high. The results at the top of each tab automatically populate in the first summary tab to give an overview of risk. There is also a column for additional comments to explain the determination of each score.

Member with $ between $500m - $1b million in assets
Located in the Midwest

250 points

Mtg QC Post Closing Worksheet

We use this worksheet to complete a post closing review. It is self-calculating and easy to use. It could also be used for pre-closing, however, we do have a separate one for that. This has been submitted to both FHA and RHS as part of mortgage QC program.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Loan Annual Review Form

This is a simple, easy to use, quick and dirty annual review form for loans. The template is simple, but can be modified to include any additional ratio's or benchmarks you'd like to add. Most annual review forms are very lengthy and almost require a re-underwriting of the credit. I wanted something simple that would tell me quickly if we had a problem and then we can escalate it further if we find too many problems.

Member with $ under $250m million in assets
Located in the West

50 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Mtg QC Pre-Closing Worksheet

We use this sheet for pre-closing check on our ready to close file. The review checks the numbers against the documents, verifications, credit reports, and other information that we have received against the underwriting from the loan officers whether it be DU or portfolio. Our aim is to make sure that all numbers and calculations are correct before loans are closed.

Member with $ under $250m million in assets
Located in the Midwest

75 points

Ability to Repay Policy

Short policy as a supplement to Reg Z to address Ability to Repay regulations. Document received no-comment from regulators during mini review of updated policies and procedures.

Member with $ under $250m million in assets
Located in the Midwest

75 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Fee Spreadsheet

Spreadsheet listing fees and HUD-1 lines and RESPA Blocks. Reposted from Bankers Online website.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Residential Underwriting Guidelines

Residential Underwriting Guidelines addressing QM and non-Qm loans

Member with $ between $250m - $500m million in assets
Located in the Northeast

400 points

Residential Underwriting Guidelines

Residential Underwriting Guidelines addressing QM and non-Qm loans

Member with $ between $250m - $500m million in assets
Located in the Northeast

400 points

ATM/Debit Card limit increase policy language

This is an excerpt from an ATM/Debit Card policy that addresses the need for occassional debit card limit increases, who is authorized to approve these increases, procedures for monitoring, time that limit can be raised and the max limit.

Member with $ under $250m million in assets
Located in the Southeast

50 points

Ability to Repay Checklist

Here's the checklist we are using.

Member with $ over $1b million in assets
Located in the Midwest

50 points

Residential Underwriting Guidelines

Residential Underwriting Guidelines addressing QM and non-Qm loans

Member with $ between $250m - $500m million in assets
Located in the Northeast

400 points

Social Media Policy

Social Media has changed the way that organizations and individuals communicate. This policy is designed as practical guidance for the responsible and constructive use of social media.

Member with $ over $1b million in assets
Located in the West

300 points

Compliance Officer - Insider Loan Checklist

Checklist for Insider Loans - (prefunding) One checklist for Executive Officer Loans and one checklist for Director Loans. Could be used for audit also.

Member with $ under $250m million in assets
Located in the Southwest

100 points

Third Party Relationship Vendor Confidentiality Agreement

This Confidentiality Agreement (“Agreement”) is effective as of and is made by and between ABC Bank (“Bank”) and (“Vendor”). Recitals Pursuant to the Gramm-Leach-Bliley Act (“GLBA”), Bank is required to enter into contractual relationships with all “nonaffiliated third parties” (as such term is defined in the GLBA) who perform services for Bank or perform a function on behalf of Bank pursuant to which the third party is prohibited from using or disclosing nonpublic personal information other than to carry out the services or functions being performed for or on behalf of Bank. Bank and Vendor each desires to comply with the terms and conditions of GLBA. Vendor will, from time to time acquire access to nonpublic personal information of Bank’s past, future or potential Customers (including a “consumer” as such term is defined in the GLBA), and desires to comply with the provisions of the GLBA as it re

Member with $ under $250m million in assets
Located in the Southeast

50 points

Social Media Policy.rtf

Social Media Policy for a bank that does not use social media. This is same as before, I just changed it to a rich text format, some were having issues opening the file.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Record Retention Schedule

A useable record retention schedule.

Member with $ under $250m million in assets
Located in the West

50 points

E-Sign Procedures for Mortgage Personnel

Procedures on how loan originators and processors will comply with the E-Sign Act, especially in regards to the Reg B Appraisal delivery requirement.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Deceased customer policy/procedure

This is the policy/procedure that was written for a PA Bank by the VP of Deposit Operations and approved by legal council. This is more of a procedure document than anything else, with supporting forms.

Member with $ between $500m - $1b million in assets
Located in the Northeast

500 points

SAR Committee Report

One page document that is attached to SAR.

Member with $ between $250m - $500m million in assets
Located in the Southwest

FREE

Regulation E - Procedures

Regulation E – Procedures for our bank including sample letters for error resolution. This goes along with the Reg E Error Resolution Log and Reg E Policy previously uploaded.

Member with $ under $250m million in assets
Located in the Southeast

400 points

Retention Manual

RETENTION PERIOD Time is the focal point of a records retention program. The determination of time periods is based on: • Use of records in day-to-day operations. • Applicable laws and regulations of state and federal governments and regulatory bodies. • Advice of legal counsel. • State statute of limitations. STORAGE OF INACTIVE RECORDS 1. The records retention schedule will indicate when records become inactive and can be moved into storage. 2. The decision concerning where and how records are to be stored is dependent on the value of the records. For maximum protection, valuable records should be kept in steel fire-resistant files. ACCOUNTING Accrual records 3 years Advices 2 years Advices 2 years Affidavits, Bonds of Indemnity and all Pertinent information pertaining to Issuance of duplicate checks 5 years after paid

Member with $ between $250m - $500m million in assets
Located in the West

700 points

2011-5 Overdraft Guidelines for Discretionary payment

This is an updated policy created for a community bank that pays overdrafts on a discretionary basis reviewing presentments daily and has been updated to include language regarding how decisions are made and fees/waivers.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Overdraft procedures

These straight-forward procedures detail the steps in handling and processing overdraft decisions.

Member with $ over $1b million in assets
Located in the Midwest

50 points

BSA audit for Patriot Officer rule testing

Workpaper for rule testing of automated montioring system Patriot Officer

Member with $ between $500m - $1b million in assets
Located in the Southeast

50 points

Ecorp Application - Cash Management Enrollment

This application is good for new clients being added to your Cash Management System (Ecorp) or the last page can be used to add new employees, new employee access, new accounts or new features.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Reg E Audit Checklist

A checklist to be used for internal compliance audit of Reg E

Member with $ under $250m million in assets
Located in the Southeast

200 points

E-Corp Online banking Enrollment Form

This is a user authorization form. This is where you will put the business name, the name of the employee and the accounts that each employee will be allowed to access. This should be used in conjunction with your normal online banking user agreement.

Member with $ between $250m - $500m million in assets
Located in the West

50 points

Loan Policy

Extensive bank loan policy for real estate mortgage loans, commercial & agricultural loans and installment loans. Very in-depth RE loan procedures. Sections include details for loan category policy guidelines, catagory & LTV limits, non-desirable loans, payment procedures, collection procedures, environmental policy. loan review for all categories, loan review process, internal risk rating process, officer lending authorities, bank board review and requirements. Includes Exhibits for various lending categories and allowance for loan losses.

Member with $ under $250m million in assets
Located in the Midwest

500 points

Social Media Strategy and Policy with Regulatory Considerations

Contains: Social Media strategy, policy, procedures & guidelines, regulatory considerations, and risk assessments. (See Sample)

Member with $ between $500m - $1b million in assets
Located in the West

850 points

Reg E

Reg E

Member with $ between $500m - $1b million in assets
Located in the Northeast

50 points

ISO Job Description

Information Security Officer job description outlining the roll and responsiblity of the position.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Record Retention Schedule

A useable record retention schedule.

Member with $ under $250m million in assets
Located in the West

50 points

Reg E

Reg E

Member with $ between $500m - $1b million in assets
Located in the Northeast

50 points

BSA Risk Assessment

The BSA/AML Risk Assessment is 10 pages long and is formatted by listing the bank's products and services and then documenting controls and residual risk ratings. The final pages of the Assessment includes a summary overall BSA/AML rating. The title lines may be misaligned due to removing verbiage under mitigating controls in order to delete specific product and service data.

Member with $ between $250m - $500m million in assets
Located in the West

200 points

DropBox Memo v2

Bank memo outlining DropBox and why it should not be used. This is a new file, some folks were having issues opening the previous file.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Security Threat Alert -- Commercial Account E-Banking

This is a security threat alert which is free for your bank to use. It contains information on a recently received phishing attack where cyber-criminals are posing as NACHA and gives your account holders 5 easy tips on how to spot a phishing attack. Our customers send alerts like these to their commercial customers via email or post to their online banking website. While we do not mind free press, you may remove our branding and replace it with your organization's logos. We also have a best-in-breed solution to protect your accounts from even the most malicious financial malware. It has been independently verified to block password-stealers and Man-In-the-Middle attacks. If you would like more info, or to be signed up to receive future alerts, please contact me: Ryan Elmer National Director, eBankSafe Total Networx, Inc. (952) 400-6508 relmer@totalnetworx.com

3rd Party Content

FREE

ATR Worksheet for small creditor QM Balloon loan

My bank will provide small creditor QM balloon loans until 1/2016. We will not do HPML loans. I designed this Excel worksheet (with a sample and instructions) to address the eight underwriting standards for my lenders to use. This worksheet also addresses the copy of the appraisal delivery requirement, book and homeowner counseling list requirement, terms and rate requirement (remember to establish a minimum term of 61-62 months if you are doing a balloon loan - 60 months from the first payment date is the minimum), employment and credit history requirement, and both the DTI and residual income. The eight requirements are indicated by a corresponding red number listed under the sample. I apologize that the spreadsheet was in a newer version of Excel. I have made available an older version - Excel 97-2003. If you have any problems, please email me before you leave unpleasant feedback. This was not done intentionally. I am learning how to post to cbanc to help others. Thanks.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Teller Training: Endorsements

A great tool for Teller Training! Explains the five primary types of endorsements, and provides examples for each.

Member with $ under $250m million in assets
Located in the Midwest

50 points

Vendor Management Risk Assessment and Documention Worksheets

These Vendor Management worksheets were created by a senior officer with 20+ years of compliance experience using model language and guidance from various resouces including examiners, auditors, seminar training materials, etc. Each worksheet is 2 pages and intended to be completed at the time a vendor is considered for engagement and periodically thereafter depending on the criticality of the agreement.

Member with $ between $250m - $500m million in assets
Located in the Northeast

100 points

ATR Checklist w/bonus Small Creditor Checklist

This is an excel spreadsheet with tab for ATR checklist that can be printed and put into your loan files for compliance. It does cover all 8 points so you don't have to worry. There is also a tab for Small Creditor QM checklist, again for proof of compliance. No fields are blocked so you can modify to fit your needs.

Member with $ under $250m million in assets
Located in the Midwest

250 points

Regulation CC Funds Availability Reference Guide

Do you have trouble determining how many business days to held certain types of deposits? This is an easy-to-reference Regulation CC Guide that I have used at several institutions for front-line staff who place holds on deposits. It can be customized to your Bank's hold procedures. It includes the type of deposit, # days until availability, and any reason for delay. It is split out into Our Policy, Case-By-Case Holds, Exception Holds, and New Account Holds. NOTE: It has been updated to the $200 next day availability for the 7/21/11 Dodd-Frank Act revision to Regulation CC.

Member with $ under $250m million in assets
Located in the Southeast

200 points

Concentration of Credit

Concentration of Credit This is out of our loan policy and has been board approved and through audits.

Member with $ under $250m million in assets
Located in the Southwest

50 points

Record Retention & Destruction

This is one of the Banks general policies for record retention & Destruction. The preview shows how they are categorized (only a sample) and a sample of what's broken out.

Member with $ between $250m - $500m million in assets
Located in the Northeast

50 points

Freddie Mac PRE closing quality control checklist

Developed this form in response to Freddie Mac rules that require pre-closing loan reviews. We are a small community bank that does a lot of Freddie Mac loans. This works well for us, hope you find it useful.

Member with $ under $250m million in assets
Located in the Midwest

50 points

E-Sign Disclosure

We use this E-Sign Authorization to deliver loan disclosures to customers electronically.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

HMDA Checklist

Checklist to be used by the mortgage operations staff to ensure compliance with HMDA requirements

Member with $ under $250m million in assets
Located in the Midwest

150 points

ACH Policy

ACH Policy, has gone through and FDIC exam.

Member with $ under $250m million in assets
Located in the Northeast

150 points

E-Sign Procedures for Mortgage Personnel

Procedures on how loan originators and processors will comply with the E-Sign Act, especially in regards to the Reg B Appraisal delivery requirement.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Bank Closing Account for Fraud Sample Letter

Dear Customer: In order for account holders to maintain their account at Your Bank, it is our policy that each account be handled in a satisfactory manner. As a result of recent activity

Member with $ between $250m - $500m million in assets
Located in the West

100 points

OFAC Risk Assessment

Regulator reviewed OFAC Risk Assessment

Member with $ between $250m - $500m million in assets
Located in the Midwest

150 points

Remote Deposit Capture (RDC) Risk Assessment

This was updated March 2014 to included some additional suggestions from FDIC. 1. To address the risk of customer who use RD for several deposit accounts, and 2. to include a column for customers who were on an internal watch list. This is an excel spreadsheet that considers 18 different risk areas (applying a risk weighting score). Instructions are included on a sheet tab, and scoring key is described in each of the 18 columns. An overall risk score is calcuated allowing you to determine what is high, medium and low risk for your institution. The spreadsheet allows you to see all your RDC customers in one report. And it enables you to sort the data in various ways (example: highest to lowest risk, customers missing agreements, customers needing on-site visits, etc.).

Member with $ under $250m million in assets
Located in the Midwest

200 points

Compliance Committee Reporting Form

The Compliance Committee Reporting Form is a document that is utilized by our Bank to report various compliance activity. It is reviewed by our Management Compliance Committee, Compliance Committee members, and the Board. It contains Form fields for easy use and the one I attached is actually a completed form to use as an example. It contains sections for the following: Research and Development; Products, Services or Technology; Policies & Procedures; Compliance Regulation Issues (contains a status and link for each new regulation and proposals); Risk; Training; Audits and Testing; and Other Issues. The FDIC has found it to be a very useful document during examinations that describes our compliance program activities during the review period.

Member with $ under $250m million in assets
Located in the Southeast

200 points

BSA/AML REVIEW CHECKLIST - Ind. Audit

This checklist was created when I started doing the BSA/AML Independent Review for our bank in 2007. I have used this for the past several years. Includes BSA Pre Review; Anti-Money Laundering Policies, Procedures, And Programs; CTR's; SAR's; Exemptions (Phase I & II); Purchases And Sales Of Monetary Instruments; Funds Transfer Activity; Pouch Activity; OFAC; Recordkeeping Requirements; Information Sharing; Internal Routine And Controls; Audit Or Independent Review; Information And Communication Systems; Board And Senior Management Oversight; Training; Private Banking; Payable Through Accounts (PTA); International Correspondent Banking Relationships; Electronic Banking; Funds Transfer Activity; Deposit Broker Activities; Special-Use/Concentration Accounts. We are a smaller community bank and some of the higher risk areas do not apply, but are in the audit to show it was assessed.

Member with $ under $250m million in assets
Located in the Southeast

250 points

Business Continuity / Disaster Recovery Plan

The attached zip file contains a detailed Business Continuity Plan / Disaster Recovery. It's about 114 pages, and I have gone through each section and attempted to remove reference to Mariner's Bank throughout the files. There are 26 sections to this plan and it has gone through internal audits and currently FDIC Audit. During my FDIC audit I have to expand on alternate recovery site and long term interruption procedures specific to certain software and certain departments, but otherwise it is good.

Member with $ between $250m - $500m million in assets
Located in the Northeast

900 points

BSA Internal Audit Questionnaire

BSA internal audit performed quarterly and reported to the Audit Committee each quarter. This program has been examined by FDIC several times and received high marks. Includes audit of CIP, CTR, SAR, Monetary Instrument Log, Unlawful Internet Gambling, Exemptions, Training , etc.

Member with $ under $250m million in assets
Located in the Southeast

150 points

Loan Policy

Extensive bank loan policy for real estate mortgage loans, commercial & agricultural loans and installment loans. Very in-depth RE loan procedures. Sections include details for loan category policy guidelines, catagory & LTV limits, non-desirable loans, payment procedures, collection procedures, environmental policy. loan review for all categories, loan review process, internal risk rating process, officer lending authorities, bank board review and requirements. Includes Exhibits for various lending categories and allowance for loan losses.

Member with $ under $250m million in assets
Located in the Midwest

500 points

E-Sign Procedures for Mortgage Personnel

Procedures on how loan originators and processors will comply with the E-Sign Act, especially in regards to the Reg B Appraisal delivery requirement.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Mortgage Compliance Checklist

Check list for pre and post closing documents

Member with $ under $250m million in assets
Located in the Midwest

100 points

Regulation CC Funds Availability Reference Guide

Do you have trouble determining how many business days to held certain types of deposits? This is an easy-to-reference Regulation CC Guide that I have used at several institutions for front-line staff who place holds on deposits. It can be customized to your Bank's hold procedures. It includes the type of deposit, # days until availability, and any reason for delay. It is split out into Our Policy, Case-By-Case Holds, Exception Holds, and New Account Holds. NOTE: It has been updated to the $200 next day availability for the 7/21/11 Dodd-Frank Act revision to Regulation CC.

Member with $ under $250m million in assets
Located in the Southeast

200 points

Reg CC - Exception Holds Chart

I have found this Reg CC Holds chart that we have been using for the last 20 years is the easiest to navigate through. I have made some changes by having it to apply to exception holds only, and have made the changes from the last update to the regulation.

Member with $ under $250m million in assets
Located in the Southwest

50 points

OREO Policy & Procedure

Eleven page combined Other Real Estate Owned (OREO) Policy and Procedure. Covers work out, holding period and accounting areas.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Identity Theft Red Flag Annual Report to the Board of Directors

This is an updated version to accomplish the Annual Board Report for a Bank or credit Union's Identity Theft Red Flag Program. While we received compliments on the content, they encouraged us to make changes. They really liked our comparison data and rolling three year audit results presentation (data in template is for example purposes only). Enhancements were made to address/implement examiners's best practices details that they would prefer to see to adequately evidence a "Complete" Annual Report. Vendor Oversight, new products, services etc and breaking out topics to their individual sections.

Member with $ between $250m - $500m million in assets
Located in the Southeast

50 points

VPN Policy

A very general VPN Policy

Member with $ under $250m million in assets
Located in the West

100 points

Appraisal Review Form

Internal Appraisal Review Form

Member with $ under $250m million in assets
Located in the Southwest

50 points

Appraisal Review Worksheet - Commercial

The appraisal review template is used by commercial appraisal reviewers and allows for anlysis of both residential and commercial properties using all three methods of valuation (i.e Cost, Sales Comp., and Income Approaches). The format is a checklist followed by a brief narrative section. The OCC evaluated the form in 2012 and found it be acceptable in both form and content.

Member with $ between $500m - $1b million in assets
Located in the Northeast

200 points

Flood Insurance Policy

This Flood Insurance Policy sets forth procedures that were requested by examiners on a recent exam at our bank.

Member with $ under $250m million in assets
Located in the Southeast

100 points

Mar 25

43 purchases

Social Media Policy.rtf

Social Media Policy for a bank that does not use social media. This is same as before, I just changed it to a rich text format, some were having issues opening the file.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Customer Complaint Log for Branches

We use this form to collect information from our branches to improve systems and processes.

Member with $ between $500m - $1b million in assets
Located in the Northeast

50 points

Complaint and Inquiry Policy

This policy defines complaints and inquiries, and goes into the procedures for written and oral complaints from consumers, attorneys and regualtory agencies.

Member with $ under $250m million in assets
Located in the Midwest

500 points

Capital Plan

Simple but accepted at recent FDIC examination.

Member with $ between $250m - $500m million in assets
Located in the Southwest

200 points

Compliance and Internal Audit Schedule

Sample Internal Audit and Compliance Schedule

Member with $ between $250m - $500m million in assets
Located in the Midwest

150 points

Internal Underwriting Guidance for Ability to Repay

This document is intended to enhance existing Loan Policy when making credit determinations (for portfolio loans) under the Ability to Repay Rules. Includes a chart outlining the differences/requirements for different loan types. For small creditors.

Member with $ between $500m - $1b million in assets
Located in the Northeast

600 points

BSA Risk Assessment

The BSA/AML Risk Assessment is 10 pages long and is formatted by listing the bank's products and services and then documenting controls and residual risk ratings. The final pages of the Assessment includes a summary overall BSA/AML rating. The title lines may be misaligned due to removing verbiage under mitigating controls in order to delete specific product and service data.

Member with $ between $250m - $500m million in assets
Located in the West

200 points

Website Monitoring Procedures

This is a small section from our IT Policy and Procedures describing our Website monitoring and change procedures. mc

Member with $ under $250m million in assets
Located in the West

50 points

Vendor Management Assessment and Tracking Tool

This Vendor Management Assessment and Tracking Tool is a customizable spreadsheet used to help identify critical vendors and the documentation required for Due Dilegence and Risk Assessing. It uses a weighted scale to determine the "Criticality" based on either access to NPI, Access to Facilities, Change Rights, etc. This document has been reveiwed by multiple auditors and examiners and received praise. We have never had a problem with our Vendor Managment Program since this tool was implemented.

Member with $ under $250m million in assets
Located in the Southeast

1000 points

Information Security Quiz

A quiz given to new employees on Information Security, Internet and Security.

Member with $ between $250m - $500m million in assets
Located in the Midwest

50 points

Teller Training: Endorsements

A great tool for Teller Training! Explains the five primary types of endorsements, and provides examples for each.

Member with $ under $250m million in assets
Located in the Midwest

50 points

2012 Branch Audit Checklist

This branch auidt checklist covers all financial institution audit areas including safe deposit boxes, marketing, cash counts, both vault and tellers, required signs and notices in employee break rooms as well as the lobby area. It was written by a seasoned audit professional wth over 15 years experience in the credit union field.

Member with $ between $500m - $1b million in assets
Located in the West

300 points

Social Media Strategy and Policy with Regulatory Considerations

Contains: Social Media strategy, policy, procedures & guidelines, regulatory considerations, and risk assessments. (See Sample)

Member with $ between $500m - $1b million in assets
Located in the West

850 points

Enterprise Level Risk Assessment

The Enterprise Level Risk assessment takes risk factors and allows you to rate them high medium or low. This auto generates an inherent risk value that is weighted based on the severity of the risk. From there we can mitigate the risk with controls. I like what I have done with this but would love to know if anyone has made any improvements to it. Just note it in the comments if you think it needs something. I have tried to sanitize the document yet leave some of our data in there to try and help stimulate ideas. I know when we started doing our ERA, we just didn't know where to start. We will be audited next month, so hopefully the regulators like it.

Member with $ between $250m - $500m million in assets
Located in the Southeast

300 points

Social Media Risk Assessment

Social Media Risk Assessment identifies Foreseeable Risk, Causes of the Risk, Risk Type and Risk Level, Probability of Occurance with and without controls, and Key Controls.

Member with $ between $500m - $1b million in assets
Located in the Southeast

250 points

Internet Banking Policy

This is a sample Internet Banking Policy including sections on purpose, objective, goals, authority, risks, operational elements, reporting, security, audit and compliance.

Member with $ between $250m - $500m million in assets
Located in the Midwest

400 points

BSA Risk Assessment

The BSA/AML Risk Assessment is 10 pages long and is formatted by listing the bank's products and services and then documenting controls and residual risk ratings. The final pages of the Assessment includes a summary overall BSA/AML rating. The title lines may be misaligned due to removing verbiage under mitigating controls in order to delete specific product and service data.

Member with $ between $250m - $500m million in assets
Located in the West

200 points

ACH Risk Assessment

This assessment was written by our compliance committee and ACH personnel. It includes threats, risk ratings and controls.

Member with $ over $1b million in assets
Located in the Midwest

150 points

Compliance Management System Board Report

This is a sample quarterly report to the board on the bank's Compliance Management System. It includes all required components of the CMS, including complaints, and a section for regulatory information for the board. It also notates where items such as audits or training is reported to the board through the audit committee.

Member with $ between $250m - $500m million in assets
Located in the Midwest

100 points

FFIEC MFA Internet Banking Risk Assessment

This is an Excel spreadsheet. It is the Risk Assessment the FFIEC multi factor authentication guidleines require each FI to perform annually

Member with $ over $1b million in assets
Located in the Southwest

300 points

Troubled Debt Restructure Policy

This policy establishes how TDRs will be properly identified and classified in accordance with generally accepted accounting principle (GAAP) and regulatory reporting requirements.

Member with $ under $250m million in assets
Located in the Midwest

150 points

Mtg QC Post Closing Worksheet

We use this worksheet to complete a post closing review. It is self-calculating and easy to use. It could also be used for pre-closing, however, we do have a separate one for that. This has been submitted to both FHA and RHS as part of mortgage QC program.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Troubled Debt Restructurings Checklist

All restructured loans/loan modifications should be evaluated to determine whether they should be classified as a troubled debt restructuring (TDR). The following checklist is a mechanisms to identify, monitor, and report TDRs and should be incorporated into workout processes and procedures. TDRs should be identified as part of any restructuring requests and should be accounted for and reported properly. An easy way to monitor TDRs is to add this simple checklist to all loan modifications / approvals.

Member with $ between $250m - $500m million in assets
Located in the Midwest

300 points

TDR Determination Questionnaire for Loan Modifications

We are now using this questionnaire along with current financial analysis on any loan we modify. Our external loan review firm thought it was excellent. Will let you know what the examiners think after our exam this fall.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Servicemembers Civil Relief Act Policy

This is a policy for board approval for the Servicemembers Civil Relief Act. It is a basic policy for board consideration and approval. This document is provided for information purposes only. It is not intended as legal advice. You may wish to consult with legal counsel before using any document or agreement for your particular situation. No legal advice is given or intended by uploading this document for your review.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Business Account Risk Assessment

This worksheet was developed in order to comply with enhanced due diligence necessary to intially risk rate our new business members. This also assists with us addressing Reg GG. Written procedure to accompany this worksheet will be posted soon.

Member with $ over $1b million in assets
Located in the Northeast

100 points

Adverse action review worksheet

Used to audit adverse action.

Member with $ under $250m million in assets
Located in the Midwest

100 points

Incident Response Plan Scope and Purpose

This Incident Response Plan Scope and Purpose document provides an intrusion/incident response plan to be used in the event that there is unauthorized access to or use of confidential customer information. It is an excerpt of our Information Technology Policy which is also available for purchase.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Vendor Review Checklists

This is a very thorough checklist to help you document your review of vendor contracts and, when applicable, vendors' control environments. This is set up so you can enter your comments for the areas you need to review and keep track of changes from year to year. You can also add to this with other items that you like to look for.

Member with $ between $250m - $500m million in assets
Located in the Southwest

250 points

FDIC Community Reinvestment Act Tracking Sheets

This Community Reinvestment Act tracking sheet was provided to me, August 2012, by the FDIC. They wanted all CRA items on this worksheet and said they would be using this in the future. No specific instructions were given as far as what they wanted in each line, just the general CRA guidelines.

Member with $ between $500m - $1b million in assets
Located in the Southeast

FREE

Returned Mail Policy/Procedures

The returned mail policy/procedures has worked well for us. It is 5 pages long inlcuding sample letters.

Member with $ between $250m - $500m million in assets
Located in the Midwest

150 points

CRA Community Development Loan Worksheet

This Community Development Loan Worksheet is to help establish if a loan meets the CRA definition of community development and/or if the loan can be included in evaluation as a community development loan.

Member with $ over $1b million in assets
Located in the Midwest

100 points

Remote Deposit Capture Policy

Three page policy and approval form for Remote Deposit Capture

Member with $ under $250m million in assets
Located in the West

250 points

E-banking risk assessment

This is a document we compiled together as a general policy for our internet banking & mobile banking products because of our set-up. Our customers have to be internet banking users before they can be mobile banking users. It is a total length of 4 pages long in which it describes a background of the bank & desription of what all our ebanking products entail. It also includes a risk matrix of our internet & mobile banking products.

Member with $ between $250m - $500m million in assets
Located in the Southeast

200 points

Record Retention Schedule

A useable record retention schedule.

Member with $ under $250m million in assets
Located in the West

50 points

Sale Program Introduction

Power Point introduction to help develop and sell a referral/sales program in your bank. This was brought about by the Sales Tracking Form on excel.

Member with $ between $250m - $500m million in assets
Located in the Midwest

FREE

FDIC Compliance Management Program

I downloaded this from the FDIC website. If the document doesn't work, you can find the manual there. UPDATE: It seems some people were having trouble downloading this file due to its size. I have replaced the document with a zipped file of the same manual. If you have trouble downloading it, please contact the Cbanc support team. They can send it to you directly.

Member with $ between $250m - $500m million in assets
Located in the Southeast

FREE

Related Party Business Account Transfer Agreement

This Agreement holds the bank harmless for assisting the business customer view multiple accounts with different TIN's (behind one set of log on credentials) and to transfer funds between the accounts. We have been advised NOT to allow consumer accounts in this agreement as they have different compliance requirements and notice. This agreement has been edited and reviewed by outside counsel.

Member with $ over $1b million in assets
Located in the West

1000 points

Deposit Decay Rates

This is a spreadsheet I developed to measure deposit decay rates and liability sensitivity of non-maturity deposits.

Member with $ under $250m million in assets
Located in the West

400 points

Reg E Policy

Regulation E Policy written with help from FIS

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

E-Sign Disclosure

We use this E-Sign Authorization to deliver loan disclosures to customers electronically.

Member with $ between $250m - $500m million in assets
Located in the Southeast

100 points

Internal Audit Plan

General Internal Audit Plan with risk assessment of each area.(the third column) Designed for smaller banks. Provides tracking of when each audit is completed and how often. Excellent form to give to the Board Audit Committe for annual approval and periodic progress. OCC approved

Member with $ under $250m million in assets
Located in the Midwest

350 points

E-Sign Procedures for Mortgage Personnel

Procedures on how loan originators and processors will comply with the E-Sign Act, especially in regards to the Reg B Appraisal delivery requirement.

Member with $ under $250m million in assets
Located in the Midwest

150 points

 

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