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.
7 purchases
Compliance Policy that contains the various elements of a Compliance Management Program that include the following sections:
1) Board and Management Responsibilities
2) Policy Principles
3) Audit Committee Reports
4) Compliance Management System (Board reporting form- seperate)
a) Organization
b) Policies and Procedures
c) Training
d) Risk Assessment
e) Self Monitoring/Testing
f) Consumer Complaint Policy/Response (see response form-seperate)
5) Compliance Audit
Located in the
West
200 points
Sample Risk Assessment for RDC
100 points
Created by VP/Treasury Mgt/ACH, with AAP (Accredited ACH Professional) designation. During last audit, auditor asked if he could share our risk assessments with other banks, as they were so comprehensive. We told him we would put them on cbanc after modifying them for generic use.
Located in the
Southwest
600 points
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.
Located in the
Midwest
500 points
Created by VP/Treasury Mgt/ACH, with AAP (Accredited ACH Professional) designation earned from NACHA. During last audit, auditor asked if he could share our risk assessments with other banks, as they were so comprehensive. He was told that we would put them on cbanc after modifying them for generic use.
Located in the
Southwest
300 points
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.
Located in the
Southwest
50 points
S.A.F.E. Act audit checklist is an easy to use tool that contains the testing requirements under the Act.
Located in the
Midwest
150 points
64 purchases
Template Policy and Procedure for Remote Deposit Capture. Instructs you where to customize for your bank.
100 points
This is a report given to our board of directors annually to show a summary of the status / effectiveness of our current Identity Theft Red Flags Program.
Located in the
Midwest
200 points
Firewall Policy approved by the IT Board Committee and has been through several audits.
Located in the
West
100 points
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.
Located in the
Southeast
150 points
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.
Located in the
Southeast
250 points
Combined with a solid Incident Response Plan, this reporting form could be distributed to all staff members and contains a roadmap for Incident Reponse reporting and tracking.
Located in the
Midwest
50 points
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.
FREE
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
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.
Located in the
Southeast
150 points
OFAC testing workpaper for BSA audit used in consulting practice
Located in the
Southeast
50 points
OFAC audit workpaper testing requirements of blocking and reporting
Located in the
Southeast
50 points
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.
Located in the
West
50 points
Remote Deposit Agreement.
Located in the
Midwest
100 points
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.
Located in the
Southwest
300 points
The purpose of this policy is to define the requirements and guidelines for participation in social media which will help protect the customers and employees’ information and reputation of your bank!
Located in the
Midwest
100 points
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.
FREE
EOCA Policy, has been through an FDIC and OTS exam.
Located in the
Northeast
100 points
This document outlines normal and force open/non witnessed safe deposit visit procedures.
Located in the
Southwest
50 points
We use this spreadsheet to risk rate any commercial accounts for BSA purposes in order to determine our higher risk customer which need additional monitoring.
Located in the
Midwest
250 points
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.
Located in the
Midwest
250 points
SCRA policy was written by the Compliance Officer with 30 years banking experience for a large community Bank in chicago.
Located in the
Midwest
100 points
Home Mortgage Disclosure Act Policy was written with help from FIS Regulatory Advisory Services. This policy was in place during our last exam January 2010.
Located in the
Southeast
100 points
This document is around 10 pages and is designed to provide a framework for managing outsourced vendors. It works best for a small bank (under 200 million). It defines risk management and risk identification to not only comply with regulatory guidelines but to better track performance of outsourced vendors.
Located in the
West
200 points
This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.
100 points
DR Test plan with Earthquake as event. Used to conduct bank wide test of DR Plan & BCP.
Located in the
West
150 points
BSA Officer Job Description was written by myself (VP, BSA Officer) with 10 years experience.
Located in the
West
50 points
This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.
Located in the
Southeast
600 points
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.
Located in the
West
250 points
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.
Located in the
Southeast
FREE
This is an internal policy that tells CSR's and Loan Officer's how to rate a customer. Low, Medium and High are all eplained in this document. Policy for rating commercial customer is included.
Located in the
Southeast
100 points
An Excel Workbook used to track Reg D excessive transactions and note type of action taken.
Located in the
Southeast
150 points
Simple one page employee expense reimbursement form
Located in the
Midwest
50 points
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.
Located in the
Midwest
150 points
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.
Located in the
Midwest
250 points
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).
Located in the
Southeast
50 points
Eleven page combined Other Real Estate Owned (OREO) Policy and Procedure. Covers work out, holding period and accounting areas.
Located in the
Midwest
150 points
This Loan Worksheet is a great form for a starting place
Located in the
Midwest
50 points
This Excel spreadsheet is used to determine the Fair Value of Collateral (to meet requirements with FAS114). It is completed for every impaired loan.
Located in the
Southeast
50 points
This Loan Review Analysis is a great starting point tool.
Located in the
Midwest
50 points
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.
Located in the
Southeast
FREE
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.
Located in the
Midwest
100 points
Our procedures for monitoring abusive overdraft protection customers.
Located in the
Southeast
100 points
One page counseling form to be used in response to the recent FDIC Overdraft guidance. Contains four customer preference choices (LOC, Account Link, OD continuation, and removal of OD). Type of counseling, telephone or face-to-face.
Located in the
Southeast
50 points
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
This is a template for a credit memo used for commercial loans. It can also be used for a loan review.
Located in the
Midwest
50 points
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.
Located in the
Midwest
50 points
This is a template for a credit memo to be used for Commercial Loans
Located in the
Midwest
50 points
We implemented Overdraft Counseling in April 2011 in response to the FDIC issued FIL-81-2010 Overdraft Payment Programs and Consumer Protection Final Overdraft Payment Supervisory Guidance. The three documents attached include our Report to the Board of Directors describing our actions in response to the FIL, an Overdraft Counseling Checklist for tracking phone calls to customers, and an Overdraft Counseling Letter.
Located in the
Midwest
100 points
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.
Located in the
Southeast
FREE
This Business Tax Analysis is easy to use and understand
Located in the
Midwest
50 points
Good policy since online banking is becoming a big product
Located in the
Midwest
100 points
This is an Excel Spreadsheet
Located in the
Southwest
100 points
This is a sample Internet Banking Policy including sections on purpose, objective, goals, authority, risks, operational elements, reporting, security, audit and compliance.
Located in the
Midwest
400 points
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.
Located in the
Midwest
250 points
This template is used for quarterly reporting to the board. Under each of the categories a short summary of project status and outstanding issues is provided. The report is provided in person to the Board by the COO where additional information is provided verbaly. The list of reports at the top are also provided.
Located in the
Northeast
50 points
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
This policy covers vendor oversight.
Located in the
Southwest
100 points
We just went through an FDIC exam and this policy pasted, it has the remote acess section.
Located in the
Northeast
50 points
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.
Located in the
Southwest
300 points
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.
Located in the
Southeast
FREE
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.
Located in the
Southeast
100 points
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.
Located in the
Southeast
200 points
This is a spread sheet that allows you to track annual approval and any amendments to policies, exam exceptions, business continuity.
Located in the
Midwest
50 points
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.
Located in the
Southeast
150 points
51 purchases
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
Our procedures for monitoring abusive overdraft protection customers.
Located in the
Southeast
100 points
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.
Located in the
Southeast
100 points
Basic capital policy which includes trigger points and action items under each trigger point - board approved.
Located in the
Midwest
500 points
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.
Located in the
Southeast
FREE
This annual training was created to create employee awareness in the areas of BSA, Confidentiality, Security, & CRA.
Located in the
Southeast
200 points
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.
Located in the
Midwest
250 points
This policy lays out our policy for the customer side of e banking.
Located in the
Midwest
300 points
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.
Located in the
Southeast
FREE
Good policy since online banking is becoming a big product
Located in the
Midwest
100 points
A MS Word "form" which includes options for Check, one-time ACH and recurring ACH stop payment activity. The disclosure language on the form has been modified to conform with regulations and NACHA rules.
Located in the
Midwest
50 points
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.
FREE
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.
Located in the
Southeast
200 points
This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.
Located in the
Midwest
100 points
This combination IT Risk Assessment and Information Security Risk Assessment is 18 pages and covers all IT and Information Security information. It can easily be changed to your specifications. The assessment has been reviewed by IT auditors, State Examiners, and FDIC and has received good feedback from all of them.
Located in the
Southeast
500 points
Social Media risk assessment covering the implementation considerations to be considered for bank's entering social media for the first time.
Located in the
Northeast
750 points
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.
Located in the
Southeast
FREE
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.
FREE
Internet Banking (including Bill Pay) agreement and disclosure.
Located in the
Midwest
250 points
DR Test plan with Earthquake as event. Used to conduct bank wide test of DR Plan & BCP.
Located in the
West
150 points
This document is a straight-forward list of procedures for flood insurance expectations on new loans, monitoring coverage and force placement.
Located in the
Midwest
100 points
This is a sample BCP Test Summary Report that includes sections to be completed such as objectives, process descriptions, follow-up, etc.
Located in the
Midwest
100 points
DR Test plan with Earthquake as event. Used to conduct bank wide test of DR Plan & BCP.
Located in the
West
150 points
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.
Located in the
Southeast
FREE
This is a sample of a BCP testing schedule and plan update overview.
Located in the
Midwest
150 points
Closed Account Notification
This letter is to inform you that (Bank) has made the decision to close your checking account (# xxxxx). T
Located in the
West
50 points
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.
Located in the
Southeast
FREE
This excel spreadsheet can be used to sort different components of your Notices of Action Taken as part of your Fair Lending Review.
Located in the
Southeast
200 points
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.
Located in the
Northeast
100 points
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.
Located in the
Midwest
200 points
This comprehensive Consumer Compliance 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 is approved by our Board on an annual basis and has been viewed positively by examiners.
Located in the
Southeast
350 points
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.
Located in the
Southeast
FREE
This Performance Review Form is in an Excel Spreadsheet and has five different 'tabs' (1) cover page with definitions of ratings, (2) non-supervisory core competencies, (3) supervisory / leadership responsibilities, (4) achievements and suggestions, and (5) final page with subjective overall rating / employee comment area / supervisor and employee signature areas. The form focuses on subjective overall areas of performance (attitude, approach to work, job knowledge, communication, and leadership skills). This form was developed and written by our Human Resources Officer who has 12 years experience.
Located in the
West
350 points
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.
Located in the
West
100 points
Mobile Banking Risk Assessment
Located in the
West
600 points
BSA Officer Job Description was written by myself (VP, BSA Officer) with 10 years experience.
Located in the
West
50 points
single page job description for BSA Officer
Located in the
Northeast
50 points
I do not take any credit for the content of this job description. I found it on the ABA website and thought it might come in handy someday.
Located in the
Southwest
FREE
Checklist to audit for BSA/AML written policy including 2010 program changes. Consulting practice with over 15 years experience
Located in the
Southeast
100 points
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.
Located in the
Southeast
FREE
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.
Located in the
Southeast
FREE
This document outlines acceptable performance in regards to teller balancing, cash differences, and cashing of NSF checks. Penalties assigned for each criteria include counseling, probation, then severe disciplinary action.
New teller exceptions are defined. Procedures for out of balance conditions are also a part of this document.
Located in the
Southeast
100 points
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.
Located in the
Southeast
FREE
This comprehensive Consumer Compliance 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 is approved by our Board on an annual basis and has been viewed positively by examiners.
Located in the
Southeast
350 points
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.
Located in the
Southeast
FREE
This policy addresses the composition and control of the loan portfolio as a whole and establishes standards for individual credit decisions.
Located in the
Midwest
500 points
Allowance for Loan Loss Policy
Located in the
Midwest
50 points
Job description for Chief Operating Officer of small community bank ($160 million).
Located in the
Northeast
100 points
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.
Located in the
Northeast
100 points
Excel format Loan Pricing Rate Sheets with 5 sections. The Pricing Sheets were developed utilizing our existing Loan Pricing Policy. The rate sheets went through our recent (November 2010) FDIC Safety & Soundness, and Fair Lending Exam with no problems.
Located in the
Southwest
500 points
single page job description for BSA Officer
Located in the
Northeast
50 points
52 purchases
This is an Excel Spreadsheet
Located in the
Southwest
100 points
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.
Located in the
Southwest
50 points
This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.
Located in the
Midwest
100 points
This is a sample of procedures for Stop Payments.
Located in the
Midwest
400 points
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.
Located in the
Southeast
FREE
Single page Word doc can be used to "market" to customers about multi-factor authentication and online security. Overview of MFA and bullet points for: Unique user ID & Password, Validation of Your Identity, Peace of Mind, Secuer Login From Anywhere and Security & Flexibility. Ready to use, just drop in your bank logo.
Located in the
Midwest
100 points
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.
FREE
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.
Located in the
Southeast
FREE
This Social Media Policy is restrictive policy requiring employee sign-off to the policy.
Located in the
Midwest
250 points
Checklist to attach to pending real estate files. Includes compliance chcklist items as well. Note: "Reg Z Checklist" refers to spreadshett that is available from bankersonline.
Located in the
Midwest
100 points
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.
FREE
Social Media risk assessment covering the implementation considerations to be considered for bank's entering social media for the first time.
Located in the
Northeast
750 points
This social networking & media policy addresses employees' use of FaceBook, Twitter, blogging, and other social media networks. Includes an employee acknowlegement form. Developed by very experienced Risk Manager and IT Manager.
Located in the
Midwest
200 points
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.
Located in the
Southwest
100 points
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.
Located in the
Southeast
FREE
This document is a straight-forward list of procedures for flood insurance expectations on new loans, monitoring coverage and force placement.
Located in the
Midwest
100 points
Template policy for RDC
100 points
This is a Risk Assessment template for Remote Deposit Capture customers that may be able to be modified for Branch Capture.
100 points
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.
Located in the
Midwest
500 points
This assessment was written by our compliance committee and ACH personnel. It includes threats, risk ratings and controls.
Located in the
Midwest
150 points
This is a one page audit policy. It was written by the compliance officer.
Located in the
Midwest
100 points
This has been used in both large and small financial institutions and has been accepted by the regulators.
Located in the
West
100 points
One page agreement and acknowledgement by employee that says his personal cell phone/device will be subject to bank security rules to access bank email systems, etc.
Located in the
Southwest
FREE
This includes assessing risk in the areas of:
BSA
OFAC
AML
High-risk Accounts
Subpoena Activity and Legals
Employment Applications/Training/Counseling
Loan and Deposit Accounts
Existing Account Activity
Cash Deposits/Withdrawals
Wire Transfers
Located in the
West
500 points
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.
Located in the
Southeast
FREE
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.
Located in the
Southeast
FREE
Indemnity for lost instument used of claims on lost bank issued cashier's checks, money orders or expense checks.
Located in the
West
50 points
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.
Located in the
Midwest
200 points
This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.
Located in the
Southeast
600 points
Annual report on the status of GLBA security program.
BOD's required to review/approve the overall status of the program.
Located in the
West
150 points
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.
Located in the
Southeast
200 points
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
Located in the
Southeast
200 points
Written complaints from customers or the general public are serious matters requiring prompt and unbiased evaluation and personal responses
Located in the
Southwest
250 points
Marketing is an organizational philosophy that influences and directs all the operations of Plumas Bank. The four pillars that support the marketing concept are customer orientation, profit, total company effort, and social responsibility. Strategic marketing is a management process that involves the development of marketing plans, their careful implementation, evaluation of their results, and then the adjustment and fine-tuning of the entire package.
Located in the
West
250 points
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.
Located in the
Southeast
FREE
This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.
Located in the
Midwest
100 points
I took a list of suggested Disaster/Failure types and listed them out and then created a formula that would allow me to change the risks based on probability and warning time. You then describe your Controls and the amount of Exposure Mitigation to lower that risk value.
I feel pretty good about the spreadsheet. Let me know if you have any suggestions for it!
Version 2
Version 2 has added Impact, Strategy, recovery time objective and recovery point Objective.
Located in the
Southeast
200 points
I took a list of suggested Disaster/Failure types and listed them out and then created a formula that would allow me to change the risks based on probability and warning time. You then describe your Controls and the amount of Exposure Mitigation to lower that risk value.
I feel pretty good about the spreadsheet. Let me know if you have any suggestions for it!
Version 2
Version 2 has added Impact, Strategy, recovery time objective and recovery point Objective.
Located in the
Southeast
200 points
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.
Located in the
Midwest
250 points
This is a spread sheet that allows you to track annual approval and any amendments to policies, exam exceptions, business continuity.
Located in the
Midwest
50 points
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.
Located in the
Southeast
FREE
This is a report to use when auditing loan files to track different exceptions. It may be used to report exceptions to Sr. Management or Board. It also shows if there is a pattern developing.
Located in the
Southeast
50 points
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.
Located in the
Southeast
400 points
Single page Word doc can be used to "market" to customers about multi-factor authentication and online security. Overview of MFA and bullet points for: Unique user ID & Password, Validation of Your Identity, Peace of Mind, Secuer Login From Anywhere and Security & Flexibility. Ready to use, just drop in your bank logo.
Located in the
Midwest
100 points
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
Located in the
West
400 points
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.
Located in the
Southeast
FREE
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
Procedures to handle inactive and dormant deposit accounts including Washington State reporting requirements.
Located in the
West
50 points
New loan policy for smaller banks, including remote deposit capture guidelines, collection policies and many exhibits.
Located in the
Midwest
500 points
This combination IT Risk Assessment and Information Security Risk Assessment is 18 pages and covers all IT and Information Security information. It can easily be changed to your specifications. The assessment has been reviewed by IT auditors, State Examiners, and FDIC and has received good feedback from all of them.
Located in the
Southeast
500 points
Simple but accepted at recent FDIC examination.
Located in the
Southwest
200 points
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.
Located in the
Southeast
150 points
59 purchases
I do not take any credit for the content of this job description. I found it on the ABA website and thought it might come in handy someday.
Located in the
Southwest
FREE
GLBA Risk Assessment- (Technical Safeguard Control) contains
Threats to Customer Information/Risk Likelihood/Risk Impact/ Process-Controls in Placed/Management's assessment of existing controls-Recommendation/Test of Controls-Frequency
Located in the
West
200 points
BSA/AML RISK ASSESSMENT -- includes OFAC risk assessment as well. This was taken from 3 or 4 samples and put into one complete assessment.
Located in the
Southwest
250 points
This is a report given to our board of directors annually to show a summary of the status / effectiveness of our current Identity Theft Red Flags Program.
Located in the
Midwest
200 points
This combination IT Risk Assessment and Information Security Risk Assessment is 18 pages and covers all IT and Information Security information. It can easily be changed to your specifications. The assessment has been reviewed by IT auditors, State Examiners, and FDIC and has received good feedback from all of them.
Located in the
Southeast
500 points
This impaired loan report should be completed at the onset of Substandard classification and quarterly thereafter until the loan is paid, charged off or upgraded (including returning to accrual status). The report is an excel spreadsheet with some free form text fields, but all financial fields will work through formulas to define FAS114 allowance and adjustement period over period.
Located in the
Southeast
100 points
I took a list of suggested Disaster/Failure types and listed them out and then created a formula that would allow me to change the risks based on probability and warning time. You then describe your Controls and the amount of Exposure Mitigation to lower that risk value.
I feel pretty good about the spreadsheet. Let me know if you have any suggestions for it!
Version 2
Version 2 has added Impact, Strategy, recovery time objective and recovery point Objective.
Located in the
Southeast
200 points
Incident Response Policy has been through and FDIC exam.
Located in the
Northeast
100 points
S.A.F.E. Act audit checklist is an easy to use tool that contains the testing requirements under the Act.
Located in the
Midwest
150 points
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.
Located in the
Southeast
FREE
Network Administrator Checklist Template
These IT checklists include daily, weekly, monthly, and yearly tasks routine. Will help insitiute formal procedures to ensure tasks are completed.
Located in the
Midwest
150 points
This is our newest audit policy.
Located in the
Midwest
200 points
Good template for conducting a feasibility study for an IT related acquisition or project. Broken down into sections by category and when completed for any given project, it represents a great consolidated place where Business Objectives, Business Requirements, Risk Impact, Compliance Impact, IT Impact, Financial Impact, Timeline/Workplan.
Located in the
Midwest
150 points
A quiz given to new employees on Information Security, Internet and Security.
Located in the
Midwest
50 points
This is a handout and a worksheet to use in an All Staff meeting. Divide the staff into "Teams" and have them work through these few simple questions to identify if your current plan is adequate and what portions may be outdated.
Located in the
Midwest
50 points
Designed to be completed by participants prior to attending a Computer Basics course. Can also be used for new hires or to evaluate need for training.
Located in the
Southeast
50 points
This policy is not for a line of credit. It is a discretionary policy, and not a right or obligation guaranteed to you, where we may approve your reasonable overdrafts including any applicable fees. The limit for personal checking account is up to $500 and up to $1,000 for business accounts, when your account is in good standing. Good standing may include, but is not limited to, any or all of the following criteria and is subject to change without notice:
Your account has been open at least 90 days.
You are making regular deposits to cover withdrawals consistent with your past practices.
You deposited $500 or more in your account in the past 30-day period.
You are not in default on any loan or other obligation to us.
You are not subject to any legal or administrative order or levy.
Your account is not overdrawn 15 or more days.
Located in the
Northeast
50 points
Single page Word doc can be used to "market" to customers about multi-factor authentication and online security. Overview of MFA and bullet points for: Unique user ID & Password, Validation of Your Identity, Peace of Mind, Secuer Login From Anywhere and Security & Flexibility. Ready to use, just drop in your bank logo.
Located in the
Midwest
100 points
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.
Located in the
Southeast
100 points
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.
Located in the
Midwest
150 points
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.
Located in the
Southwest
50 points
This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.
Located in the
Midwest
100 points
Template Policy and Procedure for Remote Deposit Capture. Instructs you where to customize for your bank.
100 points
Compliance Policy that contains the various elements of a Compliance Management Program that include the following sections:
1) Board and Management Responsibilities
2) Policy Principles
3) Audit Committee Reports
4) Compliance Management System (Board reporting form- seperate)
a) Organization
b) Policies and Procedures
c) Training
d) Risk Assessment
e) Self Monitoring/Testing
f) Consumer Complaint Policy/Response (see response form-seperate)
5) Compliance Audit
Located in the
West
200 points
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.
Located in the
West
200 points
This is an internal policy that tells CSR's and Loan Officer's how to rate a customer. Low, Medium and High are all eplained in this document. Policy for rating commercial customer is included.
Located in the
Southeast
100 points
This form is used to assign a risk level to a customer. Page 1 of this Excel workbook is the CIP Risk Assessement Worksheet that is completed by the new accounts staff for every new customer or existing customer with a product change. Page 2 of the workbook is the list of products offered with the associated risk assigned.
Located in the
Southeast
200 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
Covers Identifying, classifying and monitoring accounts for BSA risk assessments
Located in the
Midwest
200 points
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
Located in the
West
400 points
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.
Located in the
Southeast
300 points
This Appraisal Policy is 23 pages long. It was written by our Compliance Officer.
Located in the
Southwest
200 points
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.
Located in the
Southeast
200 points
These procedures are 15 pages long and include the sample MU4 form for gathering information prior to registering an MLO. It also includes an appendix for you to insert pictures of your MLO's business cards and E-mail Signatures. It has been vetted by our external auditors.
Located in the
Southeast
250 points
Basic payoff request authorization form for use for incoming and outgoing requests to/from other institutions.
Located in the
Midwest
50 points
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:
Located in the
West
100 points
A simple 3 page policy which is a conglomeration of several policies I found. Has been vetted by our external auditors. This goes along nicely with the 15 pages of procedures also posted here on the exchange.
Located in the
Southeast
150 points
This is a sample of procedures for Stop Payments.
Located in the
Midwest
400 points
This is a Risk Assessment template for Remote Deposit Capture customers that may be able to be modified for Branch Capture.
100 points
Contains: Social Media strategy, policy, procedures & guidelines, regulatory considerations, and risk assessments. (See Sample)
Located in the
West
850 points
This is a simple denial form based on Chexsystems information for transaction accounts.
Located in the
Midwest
50 points
BSA Officer Job Description was written by myself (VP, BSA Officer) with 10 years experience.
Located in the
West
50 points
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.
Located in the
Midwest
50 points
Truth in Savings
Located in the
Southeast
100 points
This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.
Located in the
Midwest
100 points
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.
Located in the
West
200 points
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
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.
Located in the
West
150 points
Electronic Banking Application and Agreement that combines Online Banking, Bill Pay, & Mobile Banking
Located in the
West
400 points
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.
Located in the
Southeast
FREE
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.
Located in the
West
200 points
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.
FREE
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.
Located in the
Southwest
300 points
BSA Officer Job Description was written by myself (VP, BSA Officer) with 10 years experience.
Located in the
West
50 points
S.A.F.E. Act audit checklist is an easy to use tool that contains the testing requirements under the Act.
Located in the
Midwest
150 points
Simple but accepted at recent FDIC examination.
Located in the
Southwest
200 points
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.
Located in the
Southeast
FREE
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.
Located in the
Southeast
FREE
Annual report on the status of GLBA security program.
BOD's required to review/approve the overall status of the program.
Located in the
West
150 points
2 purchases
This simple, clear worksheet documents due diligence, risk assessment, and approval of new remote deposit customers. See "New RDC Customer Checklist" if you also need a checklist for meeting all setup and training requirements.
*Updated 10/13/11 to Excel 97-2003 file.
Located in the
Southwest
150 points
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
5 purchases
This has been used in both large and small financial institutions and has been accepted by the regulators.
Located in the
West
100 points
Incident Response Procedures that can be tailored to your organization and used as a guidelines for staff to follow in the event of any Information Security incident.
Located in the
Midwest
200 points
This combination IT Risk Assessment and Information Security Risk Assessment is 18 pages and covers all IT and Information Security information. It can easily be changed to your specifications. The assessment has been reviewed by IT auditors, State Examiners, and FDIC and has received good feedback from all of them.
Located in the
Southeast
500 points
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
Example of a conforming loan payment notice. Passed examination.
Located in the
Midwest
50 points
42 purchases
The Community Reinvestment Act Policy, Statement, Notices was Board approved January 2010
Located in the
Midwest
250 points
This policy addresses Bank’s concerns related to use of Social Media in relationship to the internet and web based applications. It spells out limitations, monitoring and what the bank considers a violation of the social media policy.
Located in the
West
200 points
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.
FREE
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
Do you need a spreadsheet to keep track of all of the regulatory revisions and the status of each? I developed a Regulatory Development Planning Schedule to do just that. It contains various columns of information such as description, effective date, status comments, etc. and also includes the link to the regulation or proposal. It is broken down by each compliance area and includes regulatory requirements, proposals, and Dodd-Frank Act provisions as of October 1, 2011. You can easily update where needed on the spreadsheet or revise to meet your needs. Once a regulation has been implemented, you can hide the row on the spreadsheet.
Located in the
Southeast
200 points
This SCRA Policy is 4 pages long and addresses the regulations regarding the Servicemembers Civil Relief Act and the Talent Amendment.
Located in the
Southeast
150 points
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.
Located in the
Midwest
50 points
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
Located in the
Midwest
200 points
A letter sent to our RDC customers annually so they can confirm back to us their plan for securing and destroying transmitted items.
Located in the
West
50 points
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.
Located in the
West
50 points
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.
Located in the
Northeast
150 points
Easy to understand and comply with Branch Closing policy that has met regulotory scrutiny.
Located in the
Midwest
100 points
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.
Located in the
Southeast
200 points
This three page guideline informs the employees while protecting the bank from the growing threat of employees putting confidential information on a social media site, such as Facebook, YouTube or Twitter.
Located in the
Midwest
100 points
Comprehensive annual review form. Includes product risk assessment based on products used and dollar limits.
Located in the
West
400 points
This document outlines procedures for conducting the required annual review for all ACH Originators including the form.
Located in the
West
100 points
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.
250 points
Covers Identifying, classifying and monitoring accounts for BSA risk assessments
Located in the
Midwest
200 points
FDIC Regulated - When engaging an outside vendor to administer the appraisal and evaluation function, the bank must recognizes that there are risks associated with these types of arrangements. In order to mitigate the risk to acceptable levels, management should review the vendor’s contract and operational procedures, to ensure compliance with all regulatory guidance. This assessment is to be completed by the AMC. There are nine categories of questions and a cover letter. We all have vendor assessments but an appriasal management company is not like any other vendor. The detail of the questions align with the regulatory requirements for this type of service.
Located in the
Midwest
200 points
The Bank's policy statements are intentionally brief (only 3 paragraphs for Reg AA), with compliance achieved thru specific procedural requirements.
Located in the
Southeast
50 points
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.
Located in the
Midwest
200 points
This comprehensive Consumer Compliance 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 is approved by our Board on an annual basis and has been viewed positively by examiners.
Located in the
Southeast
350 points
S.A.F.E. Act audit checklist is an easy to use tool that contains the testing requirements under the Act.
Located in the
Midwest
150 points
This SCRA Policy is 4 pages long and addresses the regulations regarding the Servicemembers Civil Relief Act and the Talent Amendment.
Located in the
Southeast
150 points
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.
Located in the
Midwest
50 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
This request letter is 2 pages long. It was written by our past CFO. We have used this letter for the past 4 years are so and get a decent response from the vendors.
Located in the
Midwest
100 points
Procedures to monitor Reg GG prohibiting Unlawful Internet Gambling Activity from reports associated with Shazam. This process has been reviewed and accepted by third party auditors.
Located in the
Midwest
100 points
Annual report on the status of GLBA security program.
BOD's required to review/approve the overall status of the program.
Located in the
West
150 points
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.
Located in the
Midwest
50 points
Document used to train lenders regarding risk-based pricing procedure using exclusion clause in regulation. References to reg included on line items.
Located in the
Midwest
50 points
Annual report on the status of GLBA security program.
BOD's required to review/approve the overall status of the program.
Located in the
West
150 points
Compliance with FIL-50-2011: Banks are required to comply with new online banking security requirements outlined in FIL-50-2011.
Develop a comprehensive online banking risk assessment program.
Develop a customer education program.
Address authentication mechanisms, both administrative and technical.
Located in the
West
150 points
Compliance with FIL-50-2011: Banks are required to comply with new online banking security requirements outlined in FIL-50-2011.
Develop a comprehensive online banking risk assessment program.
Develop a customer education program.
Address authentication mechanisms, both administrative and technical.
Located in the
West
150 points
Compliance with FIL-50-2011: Banks are required to comply with new online banking security requirements outlined in FIL-50-2011.
Develop a comprehensive online banking risk assessment program.
Develop a customer education program.
Address authentication mechanisms, both administrative and technical.
Located in the
West
150 points
This is a one page RDC Approval memo utilized by our officers when a commercial customer requests to be set up for Remote Deposit Capture. It allows the officer to list the accounts which will have deposits, the type of activity expected, a place to report their current account activity and historical account activity, average balances,charge backs, principal credit scores, etc. Based on the answers to these questions, the lender can "rank" the commercial customer at the bottom. This form coincides with our actual RDC Policy which gives greater detail on how to rank the customers.
Located in the
Southwest
100 points
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
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.
Located in the
Southeast
200 points
This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.
Located in the
Southeast
600 points
Policy for internal auditor. Has been through examinations
Located in the
Midwest
200 points
This policy addresses the composition and control of the loan portfolio as a whole and establishes standards for individual credit decisions.
Located in the
Midwest
500 points
44 purchases
Remote Deposit Capture Service procedures, including Underwriting Guidelines and Service Establishment Procedures and Responsibilities, Changes or Deletions, Audit Policy, and Staff Training Requirements.
Located in the
Midwest
250 points
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
Template Policy and Procedure for Remote Deposit Capture. Instructs you where to customize for your bank.
100 points
A useable record retention schedule.
Located in the
West
50 points
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.
Located in the
Southeast
200 points
This UDAP Review is 7 pages long. It has been through a compliance exam and was well liked by examiners.
Located in the
Midwest
250 points
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
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.
Located in the
Midwest
250 points
Foreclosure Policy 4 pages
Located in the
Northeast
150 points
OFAC Policy including a glossary of common OFAC Terms
Located in the
Southeast
100 points
This combination IT Risk Assessment and Information Security Risk Assessment is 18 pages and covers all IT and Information Security information. It can easily be changed to your specifications. The assessment has been reviewed by IT auditors, State Examiners, and FDIC and has received good feedback from all of them.
Located in the
Southeast
500 points
This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.
100 points
Contains: Social Media strategy, policy, procedures & guidelines, regulatory considerations, and risk assessments. (See Sample)
Located in the
West
850 points
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.
Located in the
Southeast
FREE
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.
350 points
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.
FREE
This is a one page RDC Approval memo utilized by our officers when a commercial customer requests to be set up for Remote Deposit Capture. It allows the officer to list the accounts which will have deposits, the type of activity expected, a place to report their current account activity and historical account activity, average balances,charge backs, principal credit scores, etc. Based on the answers to these questions, the lender can "rank" the commercial customer at the bottom. This form coincides with our actual RDC Policy which gives greater detail on how to rank the customers.
Located in the
Southwest
100 points
We needed a procedure which would limit our liablity and risk when customers ask for an RDC daily limit increase.
Located in the
West
150 points
Worksheet to use to determine customer eligibility for RDC
100 points
Checklist for onsite RDC customer site visit
100 points
Reg D Procedures to monitor excess transactions and NOW account eligibility including customer violation letters.
Located in the
West
200 points
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.
FREE
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
Simple, straight forward Board approved Unlawful Internet Gambling Policy and Procedures.
Located in the
West
100 points
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.
Located in the
Southeast
FREE
Procedures to monitor Reg GG prohibiting Unlawful Internet Gambling Activity from reports associated with Shazam. This process has been reviewed and accepted by third party auditors.
Located in the
Midwest
100 points
This letter is a sample letter to notify a customer that they have exceeded six overdrafts within a twelve month period.
Located in the
Midwest
50 points
Has been through and FDIC exam.
Located in the
Northeast
150 points
We implemented Overdraft Counseling in April 2011 in response to the FDIC issued FIL-81-2010 Overdraft Payment Programs and Consumer Protection Final Overdraft Payment Supervisory Guidance. The three documents attached include our Report to the Board of Directors describing our actions in response to the FIL, an Overdraft Counseling Checklist for tracking phone calls to customers, and an Overdraft Counseling Letter.
Located in the
Midwest
100 points
One page counseling form to be used in response to the recent FDIC Overdraft guidance. Contains four customer preference choices (LOC, Account Link, OD continuation, and removal of OD). Type of counseling, telephone or face-to-face.
Located in the
Southeast
50 points
Experience and Lessons Learned - Steve Hamp
Bank of Commerce
Located in the
West
50 points
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.
Located in the
Midwest
250 points
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.
Located in the
Northeast
900 points
Great template to use to justify or audit commercial real estate loan grades. Good tool for loan officers and relationship managers to use when deciding how to rate a commercial loan.
Located in the
West
400 points
This combination IT Risk Assessment and Information Security Risk Assessment is 18 pages and covers all IT and Information Security information. It can easily be changed to your specifications. The assessment has been reviewed by IT auditors, State Examiners, and FDIC and has received good feedback from all of them.
Located in the
Southeast
500 points
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.
Located in the
Southeast
500 points
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.
Located in the
West
500 points
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.
Located in the
Midwest
500 points
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.
Located in the
Midwest
50 points
This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.
Located in the
Midwest
100 points
Some training questions for samll banks to use to make staff aware of red flags areas of concern.
Located in the
Midwest
50 points
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.
Located in the
Southwest
50 points
Has been through and FDIC exam.
Located in the
Northeast
150 points
With the May 1, 2011 requirement to have in place procedures to comply with any garnishment orders that may contain Federal benefits, our Bank has developed an 11-page document. It includes an Overview, Definitions, specific Procedures, and two Exhibits (examples of lookback periods and protected amounts and a sample notice to customers).
Located in the
Southeast
150 points
44 purchases
Recently, the Treasury issued a Final Rule regarding the applicability of Garnishments and Levies on accounts that show evidence of receipt of Federal Benefit Payments. The mandatory compliance date for this new rule is May 1, 2011.
This document is the memorandum provided to the Levy Processors at the bank to provide them with background information on the change, as well as a written procedure and form letter to use effective May 1 2011.
Located in the
Midwest
150 points
This one page consent form can be easily customized for whatever information you are wanting to publish. If you use a third party for any of your advertising, this also allows you to provide them with the approved information.
Located in the
Midwest
50 points
This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.
Located in the
Midwest
100 points
Letter, audit certification and training document that can be customized and mailed or hand delivered to your ACH Origination customers annually to help satisfy audit requirements for customer ongoing ACH education. Updated to include 2012 verbiage for FFIEC Guidance.
Located in the
West
200 points
This sample risk assessment takes you step by step through credit risk, compliance risk, BSA risk, etc. to help you develop a unique risk assessment for your bank. In a user-friendly WORD format.
350 points
Attached are templates for:
Conducting a Consumer Internet Banking Risk Assessment
Conducting a Business Internet Banking Risk Assessment
Traning Material for Businesses
Training Material for Your website
Fraud Alert Material for Your website
The FIL Guidance itself
This includes detailed exmamples and explanations to include in the assessments. The traning material for consumers was already uploaded to this site by another user and is not included. You may purchase that material from her.
Located in the
Midwest
500 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
Social Media Policy that is easy for employees to follow and understand and also establishes checks and balances for HR and Technology Department.
Located in the
Midwest
400 points
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.
Located in the
Midwest
250 points
Wire transfer agreement used in conjunction with Telephone/Fax/email/Internet banking wire transfer request authorization form.
Located in the
West
100 points
This policy establishes how TDRs will be properly identified and classified in accordance with generally accepted accounting principle (GAAP) and regulatory reporting requirements.
Located in the
Midwest
150 points
This policy addresses Bank’s concerns related to use of Social Media in relationship to the internet and web based applications. It spells out limitations, monitoring and what the bank considers a violation of the social media policy.
Located in the
West
200 points
This is a report given to our board of directors annually to show a summary of the status / effectiveness of our current Identity Theft Red Flags Program.
Located in the
Midwest
200 points
Checklist for onsite RDC customer site visit
100 points
This document is a straight-forward list of procedures for flood insurance expectations on new loans, monitoring coverage and force placement.
Located in the
Midwest
100 points
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.
Located in the
West
50 points
Reg D Procedures to monitor excess transactions and NOW account eligibility including customer violation letters.
Located in the
West
200 points
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.
Located in the
Southwest
50 points
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.
Located in the
Midwest
50 points
Annual BSA training for Directors outlining their responsibilities regarding the program.
Located in the
Southeast
100 points
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.
Located in the
Southwest
50 points
One page form to provide documentation of Phase One BSA Exemption Review
Located in the
West
50 points
This Overdraft Policy is 2 pages long. Our bank has an ad hoc overdraft policy. This policy is new and has not been through a regulatory review but we tried to contain all elements as required in the Supervisory Guidance.
Located in the
Southeast
400 points
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.
Located in the
Midwest
150 points
Response form used to document when a Consumer Compliance Complaint is received.
Located in the
West
50 points
This policy lays out the process employees must follow to submit enhancements/cost savings ideas to thier Supervisor and also sets guidelines on how their bonus is calculated based on the savings the bank receives from the change. We implemented this program in early 2012 and in 3 months, we recieved 4 cost savings ideas tha will end up saving the bank over $500 a month going forward.
Located in the
Midwest
150 points
Our Patch Management Policy is a component of our Information Security Program.
Located in the
Northeast
50 points
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.
Located in the
Midwest
200 points
This policy lays out the process employees must follow to submit enhancements/cost savings ideas to thier Supervisor and also sets guidelines on how their bonus is calculated based on the savings the bank receives from the change. We implemented this program in early 2012 and in 3 months, we recieved 4 cost savings ideas tha will end up saving the bank over $500 a month going forward.
Located in the
Midwest
150 points
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.
Located in the
Midwest
150 points
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
Located in the
Southwest
200 points
This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.
Located in the
Southeast
600 points
We implemented Overdraft Counseling in April 2011 in response to the FDIC issued FIL-81-2010 Overdraft Payment Programs and Consumer Protection Final Overdraft Payment Supervisory Guidance. The three documents attached include our Report to the Board of Directors describing our actions in response to the FIL, an Overdraft Counseling Checklist for tracking phone calls to customers, and an Overdraft Counseling Letter.
Located in the
Midwest
100 points
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
Located in the
West
150 points
This policy lays out the process employees must follow to submit enhancements/cost savings ideas to thier Supervisor and also sets guidelines on how their bonus is calculated based on the savings the bank receives from the change. We implemented this program in early 2012 and in 3 months, we recieved 4 cost savings ideas tha will end up saving the bank over $500 a month going forward.
Located in the
Midwest
150 points
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.
Located in the
Southwest
50 points
This comprehensive Consumer Compliance 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 is approved by our Board on an annual basis and has been viewed positively by examiners.
Located in the
Southeast
350 points
This is an internal policy that tells CSR's and Loan Officer's how to rate a customer. Low, Medium and High are all eplained in this document. Policy for rating commercial customer is included.
Located in the
Southeast
100 points
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
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.
Located in the
Southeast
FREE
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.
Located in the
Southeast
200 points
One page agreement and acknowledgement by employee that says his personal cell phone/device will be subject to bank security rules to access bank email systems, etc.
Located in the
Southwest
FREE
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.
Located in the
Southeast
150 points
55 purchases
This document outlines normal and force open/non witnessed safe deposit visit procedures.
Located in the
Southwest
50 points
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.
Located in the
Southeast
FREE
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
This is a Risk Assessment template for Remote Deposit Capture customers that may be able to be modified for Branch Capture.
100 points
This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.
100 points
This assessment was written by our compliance committee and ACH personnel. It includes threats, risk ratings and controls.
Located in the
Midwest
150 points
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.
Located in the
Southeast
150 points
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.
Located in the
Southeast
200 points
This Safe Act Audit workpaper is a 2 worksheet checklist. The Excel document is protected, but there is no password, so customization is easy. Leaving the document protected (or reprotecting it after customization) will allow you to tab through the answer fields for ease of input.
This is a 2010 Excel document. If you have any probles opening the document, please email me and I will email it to you in a different format. You can locate my email address by clicking on my name above.
Located in the
Southeast
100 points
This is a fill-in form to use for adverse action on deposit accounts. The document is protected in order to use as a fill-in form. To customize, unprotect the document (there is no password). The notice contains all the required language to comply with the FCRA AAN.
Located in the
Southeast
100 points
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.
Located in the
Northeast
50 points
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
Located in the
Southeast
50 points
Covers Identifying, classifying and monitoring accounts for BSA risk assessments
Located in the
Midwest
200 points
Auditors want to track the reasons you change a customers risk factor and this form has given us a good way to make sure everyone is using the same methodology to change a customer.
Located in the
Midwest
50 points
This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.
100 points
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.
Located in the
Northeast
50 points
So... now you've got a new digital sign. What is your operations and content policy? This document is a brief yet descriptive policy of a community bank which installed a new digital sign to function as a community communications medium.
Located in the
Midwest
100 points
GLBA Risk Assessment- (Administrative Safeguard Control) contains
Threats to Customer Information/Risk Likelihood/Risk Impact/ Process-Controls in Placed/Management's assessment of existing controls-Recommendation/Test of Controls-Frequency
Located in the
West
200 points
This document outlines procedures for conducting the required annual review for all ACH Originators including the form.
Located in the
West
100 points
This is a straight-forward listing of responsibilities, expectations and steps for carrying out dual control when working with the ATM.
Located in the
Midwest
100 points
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.
Located in the
Northeast
400 points
This audit program was created as a guide to test compliance with the MLO Registration Requirements of the SAFE Act.
Located in the
Midwest
100 points
The policy outlines the RESPA Guidelines. No issues from examiners on this policy.
Located in the
Northeast
150 points
This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.
100 points
This document is a straight-forward list of procedures for flood insurance expectations on new loans, monitoring coverage and force placement.
Located in the
Midwest
100 points
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
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.
Located in the
Midwest
250 points
Template Policy and Procedure for Remote Deposit Capture. Instructs you where to customize for your bank.
100 points
One page form to provide documentation of Phase One BSA Exemption Review
Located in the
West
50 points
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.
Located in the
Midwest
50 points
First Iowa State Bank values customer relationships. This policy was established to provide clear understanding of how the Bank uses information that is provided and the commitment to ensure customers of their personal privacy.
Located in the
Midwest
100 points
A template to be utilized to request proposals for core processing systems.
Located in the
Midwest
500 points
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.
Located in the
Southeast
200 points
Wire Transfer Policy and Procedures for our small community bank. Been through several FDIC exams. Updated as needed, last revision Oct. 09.
Located in the
Midwest
200 points
One page form to provide documentation of Phase One BSA Exemption Review
Located in the
West
50 points
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.
Located in the
Midwest
250 points
The Internal Control List is 28 pages long and tne audit plan is 13 pages.
Located in the
Midwest
350 points
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.
Located in the
Midwest
500 points
One page form to provide documentation of Phase One BSA Exemption Review
Located in the
West
50 points
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)
Located in the
Midwest
200 points
GLBA Risk Assessment- (Technical Safeguard Control) contains
Threats to Customer Information/Risk Likelihood/Risk Impact/ Process-Controls in Placed/Management's assessment of existing controls-Recommendation/Test of Controls-Frequency
Located in the
West
200 points
GLBA Risk Assessment- (Physical Safeguard Control) contains
Threats to Customer Information/Risk Likelihood/Risk Impact/ Process-Controls in Placed/Management's assessment of existing controls-Recommendation/Test of Controls-Frequency
Located in the
West
100 points
GLBA Risk Assessment- (Administrative Safeguard Control) contains
Threats to Customer Information/Risk Likelihood/Risk Impact/ Process-Controls in Placed/Management's assessment of existing controls-Recommendation/Test of Controls-Frequency
Located in the
West
200 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
Template Policy and Procedure for Remote Deposit Capture. Instructs you where to customize for your bank.
100 points
Sample Risk Assessment for RDC
100 points
One page form to provide documentation of Phase One BSA Exemption Review
Located in the
West
50 points
This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.
Located in the
Southeast
600 points
Simple checklist to keep track of process during investigation of dispute.
Located in the
Southeast
50 points
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.
Located in the
West
250 points
This is a simple one page Word Doc checklist used for debit card fraud situations and another one page checklist used for debit card dispute situations. This is merely a set of questions and data used to process the debit card claim.
Located in the
West
50 points
This ATM/Debit card dispute form works well for us.
Located in the
Midwest
25 points
Written Statement of Unauthroized ACH Entry
Updated in March 2010 with respect to the NACHA rule changes.
Allows for the dispute of up to 4 different items from the same originator on one form. Notes next to options to help front line and back office staff.
Located in the
Southeast
150 points
Cardholder/ATM Dispute Form
Updated in March 2010. Allows for the dispute of up to 4 transactions from the same company on one form.
Located in the
Southeast
150 points
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
45 purchases
The purpose of this policy is to define the requirements and guidelines for participation in social media which will help protect the customers and employees’ information and reputation of your bank!
Located in the
Midwest
100 points
This Social Media Policy was developed to mitigate reputational, security, and legal risk through the use of existing and emerging forms of social media.
Located in the
Southeast
250 points
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.
Located in the
Southwest
50 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
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
Located in the
Midwest
100 points
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.
Located in the
Southwest
300 points
Basic capital policy which includes trigger points and action items under each trigger point - board approved.
Located in the
Midwest
500 points
This document is 5 pages long and covers all the enhanced due diligence requirements from FIL 44-2008 GUIDANCE FOR MANAGING THIRD-PARTY RISK. To be used for vendors rated as High or Medium-High Risk on your risk assessment.
Located in the
West
150 points
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.
Located in the
Southeast
200 points
Procedures for bank that divides responsibility between compliance (Safe Act officer and registry admin) and Human Resources. Requires idetified MLOs to register under workflow#3 and get reimbursed for registration if they pass all requirements for employment as well as MLO registration.
Located in the
Midwest
150 points
Policy written for program that works as follows:
compliance is the Admin for the Registry and is designated SAFE ACt officer, Human Resources is responsible for identifying MLOs with Senior Lender, reviewing background checks and keeping files.
Located in the
Midwest
100 points
Annual report to the Board
Located in the
Midwest
250 points
Simple but accepted at recent FDIC examination.
Located in the
Southwest
200 points
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
Located in the
West
150 points
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.
Located in the
Midwest
250 points
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.
Located in the
Southeast
200 points
Basic job description for a small community bank.
Located in the
Southwest
50 points
I do not take any credit for the content of this job description. I found it on the ABA website and thought it might come in handy someday.
Located in the
Southwest
FREE
This Powerpoint presentation is used to train our board on the basics of regulatory compliance regulations including Dodd Frank.
Located in the
West
150 points
This is a simple, clear worksheet that can be used to document due diligence of new ACH originators, risk assessment, and that all required set-up procedures were completed.
Located in the
Southwest
100 points
This form is used to assign a risk level to a customer. Page 1 of this Excel workbook is the CIP Risk Assessement Worksheet that is completed by the new accounts staff for every new customer or existing customer with a product change. Page 2 of the workbook is the list of products offered with the associated risk assigned.
Located in the
Southeast
200 points
Checklist for Insider Loans - (prefunding) One checklist for Executive Officer Loans and one checklist for Director Loans. Could be used for audit also.
Located in the
Southwest
100 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
Remote Deposit Capture Service procedures, including Underwriting Guidelines and Service Establishment Procedures and Responsibilities, Changes or Deletions, Audit Policy, and Staff Training Requirements.
Located in the
Midwest
250 points
This is a Risk Assessment template for Remote Deposit Capture customers that may be able to be modified for Branch Capture.
100 points
Checklist that addresses Advertising-Marketing Compliance. Cover sheet that is supported by a seperate excel tab/worksheet for general, deposit and lending advertising.
Located in the
West
200 points
Standard SAFE Act Policy & Procedures tweaked for a Community Bank
Located in the
Midwest
100 points
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.
Located in the
Southeast
200 points
20 Question Appraisal Review Form
Located in the
Midwest
50 points
This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.
100 points
This comprehensive Consumer Compliance 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 is approved by our Board on an annual basis and has been viewed positively by examiners.
Located in the
Southeast
350 points
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
Reg D Procedures to monitor excess transactions and NOW account eligibility including customer violation letters.
Located in the
West
200 points
This is our newest audit policy.
Located in the
Midwest
200 points
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
Simple but accepted at recent FDIC examination.
Located in the
Southwest
200 points
Advertising Policy was written with help from FIS
Located in the
Southeast
100 points
Compliance policy - includes list of audits required to be presented to the Board of Directors. Policy has been in use for a numbers of years. Recent updates include audits required for Privacy, Safeguarding Customer Information, FACT Act, and SAFE Act.
Located in the
Midwest
250 points
Form to be used to document the performance of annual vendor reviews for Vendor Management.
Located in the
Midwest
250 points
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.
Located in the
Midwest
50 points
This is a comprehensive policy that includes BSA, AML, OFAC, and CIP requirements. The document contains multiple hyperlinks for easy navigation. This policy is written for a bank with less than $1 Billion in assets.
Examiners have been very complimentary of our program.
*UPDATED*
This policy has been updated to include changes made in the 2010 release of the FFIEC BSA Exam Manual and most recent FILs.
Located in the
West
500 points
Error Resolution procedures for processing Reg E claims, including customer letters.
Located in the
West
200 points
This Flood Insurance Policy sets forth procedures that were requested by examiners on a recent exam at our bank.
Located in the
Southeast
100 points
We use the complaint process to track overdraft program comments as well as complaints. It has been approved by our Board and been through multiple audits.
Located in the
West
400 points
This comprehensive Consumer Compliance 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 is approved by our Board on an annual basis and has been viewed positively by examiners.
Located in the
Southeast
350 points
3 purchases
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
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.
Located in the
Southeast
250 points
FDIC - Community Bank
This policy has been developed to provide management with a clear understanding of the direction that will be taken in the acquisition, classification holding and disposition of other real estate owned (OREO). The objective of the policy is to provide a clear, thorough and complete guide for use when handling OREO, to ensure compliance with regulatory requirements and to minimize any adverse effects on profitability.
Acquisition and re-classification of property as an OREO Asset
Located in the
Midwest
150 points
36 purchases
This policy meets the requirements of Reg GG, regarding Unlawful Internt Gambling, and is appropriate for small to mid-sized community banks.
Located in the
Midwest
150 points
This Social Media Policy is restrictive policy requiring employee sign-off to the policy.
Located in the
Midwest
250 points
Comprehensive HMDA Procedures developed in conjunction with a Compliance Attorney
Located in the
Southeast
500 points
This document outlines procedures for conducting the required annual review for all ACH Originators including the form.
Located in the
West
100 points
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.
Located in the
Northeast
100 points
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.
Located in the
Midwest
50 points
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.
Located in the
Southeast
250 points
One page counseling form to be used in response to the recent FDIC Overdraft guidance. Contains four customer preference choices (LOC, Account Link, OD continuation, and removal of OD). Type of counseling, telephone or face-to-face.
Located in the
Southeast
50 points
Combined with a solid Incident Response Plan, this reporting form could be distributed to all staff members and contains a roadmap for Incident Reponse reporting and tracking.
Located in the
Midwest
50 points
Incident response plan for operations and IT incidents with detailed information to gather for type of response.
Located in the
Midwest
250 points
Contains a refernce guide and exception situations.
Located in the
West
200 points
Wire Transfer Policy and Procedures for our small community bank. Been through several FDIC exams. Updated as needed, last revision Oct. 09.
Located in the
Midwest
200 points
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
Located in the
West
500 points
These 2 documents serve as our internal mobile device policy and FAQ.
Located in the
Southeast
200 points
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
Attached are templates for:
Conducting a Consumer Internet Banking Risk Assessment
Conducting a Business Internet Banking Risk Assessment
Traning Material for Businesses
Training Material for Your website
Fraud Alert Material for Your website
The FIL Guidance itself
This includes detailed exmamples and explanations to include in the assessments. The traning material for consumers was already uploaded to this site by another user and is not included. You may purchase that material from her.
Located in the
Midwest
500 points
This is a spreadsheet I developed to measure deposit decay rates and liability sensitivity of non-maturity deposits.
Located in the
West
400 points
This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.
100 points
ACH Policy, has gone through and FDIC exam.
Located in the
Northeast
150 points
This Social Media Policy was developed to mitigate reputational, security, and legal risk through the use of existing and emerging forms of social media.
Located in the
Southeast
250 points
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.
Located in the
Midwest
300 points
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.
Located in the
Southeast
150 points
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.
Located in the
Midwest
50 points
This document was written by our HR Director and has passed all FDIC exams.
Located in the
Midwest
150 points
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.
Located in the
Southeast
200 points
ACH Policy, has gone through and FDIC exam.
Located in the
Northeast
150 points
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.
Located in the
Southeast
FREE
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.
Located in the
Southeast
150 points
We are a 50 million bank and this is what we use for both our appraisals and evaluations.
Located in the
Southwest
25 points
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.
Located in the
Northeast
250 points
This Flood Insurance Policy sets forth procedures that were requested by examiners on a recent exam at our bank.
Located in the
Southeast
100 points
Annual IT and Security Risk Assessment. Includes threats identified and controls/testing frequency to ensure risks were properly mitigated.
Located in the
West
1500 points
The attachment shows the wire transfer policy, procedures and applicable forms used by community bank for outgoing and incoming wire transfers. Our approach to wires is conservative and allows the bank to maintain a high level of control on funds sent via wire transfer.
Located in the
Midwest
1000 points
Our Patch Management Policy is a component of our Information Security Program.
Located in the
Northeast
50 points
The Fedline Advantage User Security Policy describes the roll of the EUAC and subscribers. It describes the process of issuing access to Fedline Advantage to users and the steps to secure its proper installation.
The policy describes procedures for monitoring active users and deleting users during termination or transfer. It defines password strength and token management
Located in the
West
200 points
This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.
100 points
30 purchases
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.
Located in the
Southeast
500 points
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)
Located in the
Midwest
200 points
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.
Located in the
West
750 points
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.
Located in the
Northeast
50 points
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.
Located in the
Midwest
500 points
This ACH policy is for management, credit, and risk. It is detailed and updated thru rules changes of 2011. This policy was generated for a community bank involeved in ACH origination.
Located in the
Southwest
500 points
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.
Located in the
Northeast
100 points
A MS Word "form" which includes options for Check, one-time ACH and recurring ACH stop payment activity. The disclosure language on the form has been modified to conform with regulations and NACHA rules.
Located in the
Midwest
50 points
Mobile Banking Risk Assessment
Located in the
West
600 points
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.
Located in the
Southeast
500 points
This policy establishes how TDRs will be properly identified and classified in accordance with generally accepted accounting principle (GAAP) and regulatory reporting requirements.
Located in the
Midwest
150 points
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
Located in the
Midwest
100 points
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.
Located in the
Midwest
200 points
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.
Located in the
Southeast
FREE
This is a simple log for tracking night deposit items and transaction completion.
Located in the
Midwest
50 points
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.
Located in the
Southeast
FREE
FACT Act Procedures including compliance with Section 312 - Accuracy & Integrity
Located in the
Northeast
250 points
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.
Located in the
Midwest
100 points
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.
Located in the
West
300 points
This Social Media Policy was developed to mitigate reputational, security, and legal risk through the use of existing and emerging forms of social media.
Located in the
Southeast
250 points
This Safe Act Audit workpaper is a 2 worksheet checklist. The Excel document is protected, but there is no password, so customization is easy. Leaving the document protected (or reprotecting it after customization) will allow you to tab through the answer fields for ease of input.
This is a 2010 Excel document. If you have any probles opening the document, please email me and I will email it to you in a different format. You can locate my email address by clicking on my name above.
Located in the
Southeast
100 points
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
Located in the
West
100 points
This spreadsheet was designed to give our IT department a method of tracking software media discs (CDs and diskettes) across the institution in order to ensure that we were prepared to re-install software applications in the event of software corruption or disaster recovery. It is meant for smaller institutions, probably fewer than 250 employees who want to ensure that they are mitigating the risks associated with missing software media, but aren't sure how to track the media across one or more CD libraries.
Located in the
West
50 points
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.
Located in the
Northeast
250 points
This is a Business Deposit Account Questionnaire that we have recently written. Section 1 includes questions for general information. Section 2 is to be completed for any business operating as an MSB. It includes questions about the new prepaid access device rules. It utilizes a risk score to determine the level of due diligence necessary on the account.
Located in the
Southeast
200 points
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.
Located in the
Midwest
250 points
This is a report to use when auditing loan files to track different exceptions. It may be used to report exceptions to Sr. Management or Board. It also shows if there is a pattern developing.
Located in the
Southeast
50 points
This is a spreadsheet was developed to provide a quanitative factor to the qualitative factors of The ALLL.
Located in the
West
250 points
This is a Risk Assessment template for Remote Deposit Capture customers that may be able to be modified for Branch Capture.
100 points
Basic payoff request authorization form for use for incoming and outgoing requests to/from other institutions.
Located in the
Midwest
50 points
48 purchases
BSA/AML RISK ASSESSMENT -- includes OFAC risk assessment as well. This was taken from 3 or 4 samples and put into one complete assessment.
Located in the
Southwest
250 points
This is a comprehensive policy that includes BSA, AML, OFAC, and CIP requirements. The document contains multiple hyperlinks for easy navigation. This policy is written for a bank with less than $1 Billion in assets.
Examiners have been very complimentary of our program.
*UPDATED*
This policy has been updated to include changes made in the 2010 release of the FFIEC BSA Exam Manual and most recent FILs.
Located in the
West
500 points
you will need to ensure that your analysis tookpak is on within excel. In your tool bar go to tools > add ins > select analysis toolpak. Document has been reviewed by external auditors and the OCC. Users enjoy the "ease" of use and auto risk rating based on clicks & yes/no answers.
Located in the
West
250 points
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.
Located in the
Midwest
100 points
This Vendor Confidentiality Agreement is 2 pages long. We have used it for both small and large vendors.
Located in the
West
200 points
Change of address procedures.
Located in the
Southeast
100 points
This is a report to use when auditing loan files to track different exceptions. It may be used to report exceptions to Sr. Management or Board. It also shows if there is a pattern developing.
Located in the
Southeast
50 points
This policy folds Investment, Asset Liability, Liquidity and Contingency Funding Policies into one. Recently strengthened Contingency Funding with the help of cbanc.
Located in the
Midwest
500 points
This Policy is 10 pages long. It was written by our COO/CFO with 20 years of experience. The Policy was written in response to OCC Guidance. Our examiners have given us "Non-Disapproval" of this Policy.
Located in the
West
600 points
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.
Located in the
Midwest
250 points
This comprehensive Consumer Compliance 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 is approved by our Board on an annual basis and has been viewed positively by examiners.
Located in the
Southeast
350 points
Procedures to handle inactive and dormant deposit accounts including Washington State reporting requirements.
Located in the
West
50 points
The CRA Services Worksheet helps determine internal interaction with community organizations and create an awareness of the organization's missions and utilization of the bank's services and employees.
Located in the
Midwest
100 points
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.
Located in the
Southeast
100 points
This request letter is 2 pages long. It was written by our past CFO. We have used this letter for the past 4 years are so and get a decent response from the vendors.
Located in the
Midwest
100 points
This policy has passed several FDIC IT exams.
Located in the
Midwest
500 points
We just went through an FDIC exam and this policy pasted, it has the remote acess section.
Located in the
Northeast
50 points
This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.
Located in the
Midwest
100 points
This Credit Summary and Analysis is three pages long. It was created by our President/CEO with 40 years of banking experience. This Credit Summary and Analysis gives a snapshot of the loan without having to look through the entire loan file. Our auditors have complimented us on this document in previous exams.
Located in the
Southeast
150 points
This document is around 10 pages and is designed to provide a framework for managing outsourced vendors. It works best for a small bank (under 200 million). It defines risk management and risk identification to not only comply with regulatory guidelines but to better track performance of outsourced vendors.
Located in the
West
200 points
This written plan to reduce adversely classified assets projects the reduction in classifications based on the prior quarter reduction, with seasonal adjustments.
Located in the
Southeast
150 points
This is a simple log for tracking night deposit items and transaction completion.
Located in the
Midwest
50 points
One page agreement and acknowledgement by employee that says his personal cell phone/device will be subject to bank security rules to access bank email systems, etc.
Located in the
Southwest
FREE
This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.
Located in the
Southeast
600 points
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.
FREE
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.
Located in the
Southwest
50 points
This is a straight-forward listing of responsibilities, expectations and steps for carrying out dual control when working with the ATM.
Located in the
Midwest
100 points
Four page Word document for both On-Premise AND Off-Premise ATM Balancing Procedures. Also includes additional 2 pages of ATM Cash Tickets.
Located in the
Midwest
100 points
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.
Located in the
Midwest
50 points
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.
Located in the
Midwest
150 points
These are straight-forward procedures for completing night depository responsibilities.
Located in the
Midwest
50 points
you will need to ensure that your analysis tookpak is on within excel. In your tool bar go to tools > add ins > select analysis toolpak. Document has been reviewed by external auditors and the OCC. Users enjoy the "ease" of use and auto risk rating based on clicks & yes/no answers.
Located in the
West
250 points
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
This is our remote access and mobile users policy
Located in the
Northeast
100 points
Attached is the hold notice we are currently using. This form was reviewed by an FDIC examiner.
Located in the
Southeast
100 points
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.
Located in the
Midwest
50 points
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.
Located in the
Southeast
FREE
This is the ACH Written Statement of Unauthorized Debit form, to be used when a consumer reports a problem with an ACH transaction. This form contains a unique area to address those areas when a customer has a recurring trasaction and has revoked their authorization prior to the next presentment.
Located in the
Midwest
100 points
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.
Located in the
Midwest
500 points
This RDC Risk Analysis is 3 pages long. It was written in 2010 and is updated as needed. This Analysis is not based on an in-house system.
Located in the
Northeast
250 points
you will need to ensure that your analysis tookpak is on within excel. In your tool bar go to tools > add ins > select analysis toolpak. Document has been reviewed by external auditors and the OCC. Users enjoy the "ease" of use and auto risk rating based on clicks & yes/no answers.
Located in the
West
250 points
One page agreement and acknowledgement by employee that says his personal cell phone/device will be subject to bank security rules to access bank email systems, etc.
Located in the
Southwest
FREE
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
This is a fill-in form to use for adverse action on deposit accounts. The document is protected in order to use as a fill-in form. To customize, unprotect the document (there is no password). The notice contains all the required language to comply with the FCRA AAN.
Located in the
Southeast
100 points
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.
FREE
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.
Located in the
Southeast
100 points
This form is to be used to calculate the minimum required flood insurance on a property in a flood hazard area.
Located in the
Southeast
100 points
Use this to list all of your vendor information and track your vendor review projects step by step to completion.
Located in the
Southwest
200 points
42 purchases
Basic capital policy which includes trigger points and action items under each trigger point - board approved.
Located in the
Midwest
500 points
Compliance Management System Report template used to provide a monthly status report to the AC and Board of the Compliance Department activities.
Located in the
West
100 points
Template Policy and Procedure for Remote Deposit Capture. Instructs you where to customize for your bank.
100 points
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…
Located in the
West
500 points
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.
Located in the
Midwest
200 points
This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.
Located in the
Southeast
600 points
This policy has been reviewed and accepted by the regulators.
Located in the
West
300 points
This is a comprehensive policy that includes BSA, AML, OFAC, and CIP requirements. The document contains multiple hyperlinks for easy navigation. This policy is written for a bank with less than $1 Billion in assets.
Examiners have been very complimentary of our program.
*UPDATED*
This policy has been updated to include changes made in the 2010 release of the FFIEC BSA Exam Manual and most recent FILs.
Located in the
West
500 points
Safe Deposit Box maintenance procedures using FiServ's Business Process Manager and Precision core system.
Located in the
West
250 points
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.
Located in the
West
300 points
Comprehensive Safe Deposit Policy for community bank with safe deposit services.
Located in the
Midwest
100 points
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.
Located in the
West
150 points
Good template for conducting a feasibility study for an IT related acquisition or project. Broken down into sections by category and when completed for any given project, it represents a great consolidated place where Business Objectives, Business Requirements, Risk Impact, Compliance Impact, IT Impact, Financial Impact, Timeline/Workplan.
Located in the
Midwest
150 points
I do not take any credit for the content of this job description. I found it on the ABA website and thought it might come in handy someday.
Located in the
Southwest
FREE
This form is for documentation of who removes dormant status on an account, customer signature, reason for removal, etc.
Located in the
Midwest
150 points
This form is used to acknowledge receipt of, and compliance with, the Cell Phone, Broadband Card & PDA Policy.
ACCEPTABLE USE
Bank will provide cellular phones (with or without PDA features and monthly voice and data service) on an approved basis. Requests for these devices must be submitted by the department manager to Executive Management for approval.
Employees are prohibited from installing unapproved and unauthorized software on
Located in the
West
100 points
4 Page IT Policy. Covers highlights and refers to procedures (not included) for detail.
Located in the
Northeast
50 points
This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.
Located in the
Midwest
100 points
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.
Located in the
Southeast
FREE
One page agreement and acknowledgement by employee that says his personal cell phone/device will be subject to bank security rules to access bank email systems, etc.
Located in the
Southwest
FREE
This contains a list of security devices that should be maintained at each branch and responsibilities for the security officer at each branch.
Located in the
Midwest
75 points
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.
Located in the
Southeast
FREE
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.
FREE
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.
Located in the
Southeast
FREE
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.
FREE
I do not take any credit for the content of this job description. I found it on the ABA website and thought it might come in handy someday.
Located in the
Southwest
FREE
BSA Officer Job Description was written by myself (VP, BSA Officer) with 10 years experience.
Located in the
West
50 points
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.
Located in the
Midwest
250 points
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.
Located in the
Southeast
FREE
The asset classification program of ________________ (the “Company”), as identified in this policy statement, has been implemented in order to comply with applicable regulations and to accomplish specific objectives. This is an overall summary. No formal procedures
Located in the
Midwest
50 points
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.
Located in the
Southeast
FREE
This new business accoutn checklist is a single page document that our branch employees use in order to assist them in collecting proper documentation for new accounts.
Located in the
West
250 points
BSA audit workpapers for exemption testing used in consulting practice
Located in the
Southeast
50 points
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
Located in the
West
150 points
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
Located in the
West
150 points
BSA audit workpapers for exemption testing used in consulting practice
Located in the
Southeast
50 points
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.
FREE
This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.
100 points
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.
Located in the
Southeast
FREE
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.
Located in the
Southeast
150 points
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.
Located in the
Midwest
50 points
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.
Located in the
Midwest
100 points
36 purchases
eStatement disclosure for eStatement delivery compliance. Upon review by your bank management and legal counsel, and should you have no other edits, it can be ready to use by adding your bank information: name, address, phone and email.
Located in the
Midwest
250 points
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.
FREE
BSA/AML RISK ASSESSMENT -- includes OFAC risk assessment as well. This was taken from 3 or 4 samples and put into one complete assessment.
Located in the
Southwest
250 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
Response form used to document when a Consumer Compliance Complaint is received.
Located in the
West
50 points
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
Located in the
West
150 points
Determine multiple payment streams on ARM loans, plus determine fully indexed rate, amount financed and finance charge amount, while fully documenting the work. Use before verifying the APR through OCC’s APRWIN.
Located in the
Southeast
150 points
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.
Located in the
Midwest
100 points
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.
Located in the
West
150 points
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.
Located in the
Southeast
100 points
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.
Located in the
Southeast
200 points
This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.
Located in the
Southeast
600 points
Attached are templates for:
Conducting a Consumer Internet Banking Risk Assessment
Conducting a Business Internet Banking Risk Assessment
Traning Material for Businesses
Training Material for Your website
Fraud Alert Material for Your website
The FIL Guidance itself
This includes detailed exmamples and explanations to include in the assessments. The traning material for consumers was already uploaded to this site by another user and is not included. You may purchase that material from her.
Located in the
Midwest
500 points
Easy to follow Advertisy Policy for Advertising and compliance. Has been scrutinized many times by regultory staff and with no compliance issues.
Located in the
Midwest
150 points
Regulation E Policy written with help from FIS
Located in the
Southeast
100 points
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.
Located in the
Southeast
FREE
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.
FREE
This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.
Located in the
Midwest
100 points
BSA Audit workpapers used to test Monetary Instruments used in consulting practice.
Located in the
Southeast
50 points
BSA Audit workpapers used to test funds transfer used in conuslting practice.
Located in the
Southeast
100 points
This policy will help anyone just getting into the Online Banking.
Located in the
Southeast
500 points
Attached is the hold notice we are currently using. This form was reviewed by an FDIC examiner.
Located in the
Southeast
100 points
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.
Located in the
Southeast
FREE
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.
Located in the
West
500 points
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.
Located in the
Southeast
FREE
This is a sample BCP Test Summary Report that includes sections to be completed such as objectives, process descriptions, follow-up, etc.
Located in the
Midwest
100 points
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.
Located in the
Southeast
FREE
This is a form used to capture testing for business continuity during a "live" event.
Located in the
Southeast
100 points
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
Located in the
West
150 points
This is a sample of a BCP testing schedule and plan update overview.
Located in the
Midwest
150 points
Audit work program for CRA used in consulting practice.
Located in the
Southeast
200 points
Audit workpaper for CRA testing of commnunity development investments.
Located in the
Southeast
50 points
This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.
Located in the
Midwest
100 points
A Risk Assessment pertaining to the requirements of the HITech Act, with considerations a Bank must assess to ensure proper risk mitigation controls are in place in acting as a business associate for a covered entity under this Act.
Located in the
West
250 points
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
Located in the
Southeast
200 points
This SAFE Act Audit was based on an FDIC SAFE Act examination webinar. It is a 3 page word document.
Located in the
Midwest
100 points
4 purchases
The Fedline Advantage User Security Policy describes the roll of the EUAC and subscribers. It describes the process of issuing access to Fedline Advantage to users and the steps to secure its proper installation.
The policy describes procedures for monitoring active users and deleting users during termination or transfer. It defines password strength and token management
Located in the
West
200 points
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.
Located in the
West
250 points
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.
Located in the
Midwest
250 points
The Incident Response is a playbook-style document that details various roles and responsibilities in the event there is an attempted wire fraud by way of account takeover over using compromised customer credentials. This document details the response when the aatempt is identified before the wire leaves the bank.
Located in the
Northeast
150 points
1 purchases
Basic job description for a small community bank.
Located in the
Southwest
50 points
48 purchases
Sample Risk Assessment for RDC
100 points
This Rate sheet is 1 page long. It has been approved by the DOJ.
Located in the
Southwest
100 points
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.
Located in the
Southeast
FREE
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.
Located in the
Southeast
FREE
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.
Located in the
Southeast
150 points
Worksheet to use to determine customer eligibility for RDC
100 points
Check list for periodic review
Located in the
Northeast
100 points
Agreement to receive Electronic Statements. This disclosure will provide the necessary information relating to any communications banks provide customers in electronic format regarding their accounts online.
Located in the
Midwest
150 points
This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.
Located in the
Southeast
600 points
This is a quick form/notice for detailing and determining Reg CC holds.
Located in the
Midwest
100 points
Sample Risk Assessment for RDC
100 points
Audit checklist to evaluate your BSA risk assessments against 2010 FFIEC manual
Located in the
Southeast
100 points
This combination IT Risk Assessment and Information Security Risk Assessment is 18 pages and covers all IT and Information Security information. It can easily be changed to your specifications. The assessment has been reviewed by IT auditors, State Examiners, and FDIC and has received good feedback from all of them.
Located in the
Southeast
500 points
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.
Located in the
Southeast
500 points
Basic Reg R Policy was developed based on recommendation from FRB exam. It was reviewed by FRB and found satisfactory for our bank.
Located in the
West
50 points
Includes OREO audit procedures for individual properties.
Located in the
West
150 points
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.
Located in the
Northeast
50 points
Covers Identifying, classifying and monitoring accounts for BSA risk assessments
Located in the
Midwest
200 points
Covers basic audit areas for BSA/SAR/CIP/AML/OFAC.
Located in the
Midwest
100 points
Comprehensive HMDA Procedures developed in conjunction with a Compliance Attorney
Located in the
Southeast
500 points
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.
Located in the
Southeast
300 points
This is an In house evaluation form for residential real estate. It was revised after the Appraisal & Evaluation Guidelines were out. I attended an Appraisal seminar and added suggested items.
Located in the
Midwest
150 points
Changes 2010 BSA/AML Manual
Located in the
Southeast
100 points
ACH Checklist for New Customers.
Located in the
Midwest
250 points
Wire transfer agreement used in conjunction with Telephone/Fax/email/Internet banking wire transfer request authorization form.
Located in the
West
100 points
Checklist for onsite RDC customer site visit
100 points
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.
Located in the
West
150 points
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.
Located in the
Southwest
50 points
This updated ACH Agreement incorporates recent rules changes, including authorization requirements, IAT processing, right to audit, etc.
Located in the
Midwest
200 points
This Job Description includes a summary, the essential duties of the position, the responsibilities, supervisory responsibilities, qualifications, physical demands and work environment.
Located in the
Midwest
150 points
Comprehensive HMDA Procedures developed in conjunction with a Compliance Attorney
Located in the
Southeast
500 points
Rate Change Worksheet that can be customized for your shop. Simply continue to "copy" worksheet and rename with current rate change date to contain all rate changes in an annual workbook for easy access and review. External Audit, SOX Reviewer & Regulatory Examiners approved of usage.
Located in the
West
100 points
A useable record retention schedule.
Located in the
West
50 points
Very basic guidline for small banks.
Located in the
Midwest
25 points
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.
Located in the
Southwest
400 points
Sample Card Compromise Reissue letter.
Located in the
Northeast
50 points
This is our Mobile Banking Agreement. We generally provide it along with an E-Sign Agreement.
Located in the
Southeast
200 points
This Photo Release disclosure is used by our bank to use customer photos in our advertising and social media.
Located in the
Southeast
50 points
Covers basic audit areas for BSA/SAR/CIP/AML/OFAC.
Located in the
Midwest
100 points
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
This is a required form for all Reg E disputes that are accepted by clients. It has been invaluable in figuring out whether we're dealing with friendly fraud or an obvious case.
One word of advice if you decide to use this packet, have the client complete as much of it as possible without staff intervention. People are much more inclined to answer truthfully as opposed to giving a response they think you're looking for.
Located in the
Midwest
200 points
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
Located in the
West
150 points
BSA audit program for testing CTRs and Exemptions under prior forms.
Located in the
Southeast
100 points
A good place to start for small banks.
Located in the
Midwest
250 points
This policy establishes how TDRs will be properly identified and classified in accordance with generally accepted accounting principle (GAAP) and regulatory reporting requirements.
Located in the
Midwest
150 points
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
Remote Deposit Capture Service procedures, including Underwriting Guidelines and Service Establishment Procedures and Responsibilities, Changes or Deletions, Audit Policy, and Staff Training Requirements.
Located in the
Midwest
250 points
CIP workpaper spreadsheet used in consulting practice
Located in the
Southeast
100 points
37 purchases
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.
Located in the
Northeast
250 points
Easy to follow Advertisy Policy for Advertising and compliance. Has been scrutinized many times by regultory staff and with no compliance issues.
Located in the
Midwest
150 points
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.
Located in the
West
500 points
With the May 1, 2011 requirement to have in place procedures to comply with any garnishment orders that may contain Federal benefits, our Bank has developed an 11-page document. It includes an Overview, Definitions, specific Procedures, and two Exhibits (examples of lookback periods and protected amounts and a sample notice to customers).
Located in the
Southeast
150 points
This is a short (less than 1 page) sample security message that can be used to educate customers to help meet the new FFIEC Supplemental Guidance on Internet Banking Authentication. It can be sent out as a statement message or secure message. You will want to customize it with the various security features that you offer.
Located in the
West
100 points
The purpose of this policy is to define the requirements and guidelines for participation in social media which will help protect the customers and employees’ information and reputation of your bank!
Located in the
Midwest
100 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
Sample Risk Assessment for RDC
100 points
Attached are templates for:
Conducting a Consumer Internet Banking Risk Assessment
Conducting a Business Internet Banking Risk Assessment
Traning Material for Businesses
Training Material for Your website
Fraud Alert Material for Your website
The FIL Guidance itself
This includes detailed exmamples and explanations to include in the assessments. The traning material for consumers was already uploaded to this site by another user and is not included. You may purchase that material from her.
Located in the
Midwest
500 points
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.
Located in the
Midwest
150 points
PURPOSE - the policy is to adhere to all Internal Revenue Service (IRS) regulations for reporting cancellations or discharges of indebtedness as they pertain to our operating procedures.
Cancelled or discharged debt may be considered as taxable income to the debtor. The debtor may be an individual, corporation, partnership, trust, estate, association, or company.
Located in the
Midwest
100 points
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.
Located in the
Southeast
150 points
Concentration of Credit
This is out of our loan policy and has been board approved and through audits.
Located in the
Southwest
50 points
This program has been used in several Financial Institutions and is especially good for creating a sales culture within the CSR staff where none presently exists.
Located in the
Midwest
150 points
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.
Located in the
West
250 points
This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.
Located in the
Southeast
600 points
The purpose of this policy is to document the controls and procedures in place to identify loans that have the possibility of being deemed a troubled debt restructure (TDR) in accordance to generally accepted accounting principles and ALLL supervisory guidance.
Located in the
Midwest
50 points
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.
Located in the
Midwest
500 points
This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.
Located in the
Southeast
600 points
This is a short (less than 1 page) sample security message that can be used to educate customers to help meet the new FFIEC Supplemental Guidance on Internet Banking Authentication. It can be sent out as a statement message or secure message. You will want to customize it with the various security features that you offer.
Located in the
West
100 points
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.
Located in the
Southeast
FREE
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
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.
Located in the
Southeast
FREE
Contains a refernce guide and exception situations.
Located in the
West
200 points
This is a comprehensive policy that includes BSA, AML, OFAC, and CIP requirements. The document contains multiple hyperlinks for easy navigation. This policy is written for a bank with less than $1 Billion in assets.
Examiners have been very complimentary of our program.
*UPDATED*
This policy has been updated to include changes made in the 2010 release of the FFIEC BSA Exam Manual and most recent FILs.
Located in the
West
500 points
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.
Located in the
Southeast
FREE
This document is around 10 pages and is designed to provide a framework for managing outsourced vendors. It works best for a small bank (under 200 million). It defines risk management and risk identification to not only comply with regulatory guidelines but to better track performance of outsourced vendors.
Located in the
West
200 points
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.
Located in the
West
300 points
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.
Located in the
Southwest
400 points
I have attached the table of contents covering the teller cash procedures that may be of interest to you.
Located in the
Midwest
50 points
This Wire Transfer Agreement is used for commercial customers who request frequent wire transfers (i.e. closing attorneys). The document includes a Certificate of Corporate Resolution outlining the individuals who are authorized to enter into a contract on behalf of the company. The Funds Transfer Agreement section outlines who is authorized to initiate wires, security procedures, additional responsiblities and conditions.
You may also be interested in our Wire Transfer Policy & Procedures and Outgoing Wire Transfer Request Form documents.
Located in the
Southeast
400 points
Comprehensive Safe Deposit Policy for community bank with safe deposit services.
Located in the
Midwest
100 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
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.
Located in the
Midwest
100 points
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
Located in the
Southwest
200 points
Allowance for Loan Loss Policy
Located in the
Midwest
50 points
We just went through an FDIC exam and this policy pasted, it has the remote acess section.
Located in the
Northeast
50 points
53 purchases
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.
Located in the
West
500 points
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.
Located in the
West
1200 points
This MSB Risk Assessment is three risk scores (Business Information Risk Score, MSB Services Risk Score & Product/Services Risk Score)added together with the MSB Services Risk Scores counting as double in the automatically calculated Overall Risk Score. This form was designed to evaluate the business on each of the above 3 topics as well as evaluate the topics together. The last 2 pages allows for documenting due diligence performed on the business.
The form contains check mark boxes to click on, areas for documentation of review as well as areas for typed comments. Form is protected but does not have a password so you should be able to unprotect the form and make changes.
Located in the
Midwest
1000 points
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.
Located in the
West
500 points
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)
Located in the
Midwest
200 points
This assessment was written by our compliance committee and ACH personnel. It includes threats, risk ratings and controls.
Located in the
Midwest
150 points
I took a list of suggested Disaster/Failure types and listed them out and then created a formula that would allow me to change the risks based on probability and warning time. You then describe your Controls and the amount of Exposure Mitigation to lower that risk value.
I feel pretty good about the spreadsheet. Let me know if you have any suggestions for it!
Version 2
Version 2 has added Impact, Strategy, recovery time objective and recovery point Objective.
Located in the
Southeast
200 points
An information security employee acceptable use polciy.
Located in the
Midwest
100 points
This combination IT Risk Assessment and Information Security Risk Assessment is 18 pages and covers all IT and Information Security information. It can easily be changed to your specifications. The assessment has been reviewed by IT auditors, State Examiners, and FDIC and has received good feedback from all of them.
Located in the
Southeast
500 points
Compliance Policy that contains the various elements of a Compliance Management Program that include the following sections:
1) Board and Management Responsibilities
2) Policy Principles
3) Audit Committee Reports
4) Compliance Management System (Board reporting form- seperate)
a) Organization
b) Policies and Procedures
c) Training
d) Risk Assessment
e) Self Monitoring/Testing
f) Consumer Complaint Policy/Response (see response form-seperate)
5) Compliance Audit
Located in the
West
200 points
Easy to follow Complaints and Inquires Policy that meets regultory guidelines.
Located in the
Midwest
200 points
BSA AML Risk assessment of all products for BSA Policy. An analysis of the risks associated with our customers is defined for each category with actual statistics for risks associated with it. FDIC has liked the specific analysis used for this report given annually to the board.
Located in the
Midwest
350 points
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.
Located in the
West
50 points
New loan policy for smaller banks, including remote deposit capture guidelines, collection policies and many exhibits.
Located in the
Midwest
500 points
The Residential Real Estate Appraisal Review form is designed to review appraisal requirements for loans being sold to FNMA. But also can be used for in-house residential loans. Only reviews Sales Comparison approach and cost approach for MH. Fields turn yellow when answer requires further explanation from the appraiser. Does not review for UAD requirements, but asks if the appraisal is UAD compliant.
Located in the
Midwest
350 points
The Bank's policy statements are intentionally brief (only 3 paragraphs for Reg AA), with compliance achieved thru specific procedural requirements.
Located in the
Southeast
50 points
Reg GG Policy (Internet Gambling)
Located in the
Midwest
50 points
Closed Account Notification
This letter is to inform you that (Bank) has made the decision to close your checking account (# xxxxx). T
Located in the
West
50 points
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.
Located in the
Southeast
FREE
These Foreclosure Policies & Procedures address the recent Supervisory Guidance (OCC Bulletin 2011-29) related to foreclosures. These comprehensive policies & procedures address concerns raised in the Interagency Review of Foreclosure Policies & Practices. Note that a separate self-assessment must be performed.
Located in the
Northeast
750 points
This BSA Risk Assessment Questionnaire is used at account opening for risk determination. It's an excel worksheet that contains formulas to auto-sum as you enter you risk scoring. Other areas can be modified to reflect your bank's practice including the risk scoring system for your bank.
Located in the
West
150 points
This is our newest audit policy.
Located in the
Midwest
200 points
This form is to be used to calculate the minimum required flood insurance on a property in a flood hazard area.
Located in the
Southeast
100 points
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
Located in the
West
500 points
The Incident Response is a playbook-style document that details various roles and responsibilities in the event there is an attempted wire fraud by way of account takeover over using compromised customer credentials. This document details the response when the aatempt is identified before the wire leaves the bank.
Located in the
Northeast
150 points
The Incident Response is a playbook-style document that details various roles and responsibilities in the event there is an attempted wire fraud by way of account takeover over using compromised customer credentials. This document details the response when the aatempt is identified after the wire leaves the bank.
Located in the
Northeast
150 points
We put this together when performing due diligence for an Internet Banking solution in 2002. Our host processing is Fiserv/ITI so the RFP was directed to companies that had an interface to that core system.
Located in the
West
250 points
This policy establishes how TDRs will be properly identified and classified in accordance with generally accepted accounting principle (GAAP) and regulatory reporting requirements.
Located in the
Midwest
150 points
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.
Located in the
Southeast
FREE
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
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.
Located in the
Southeast
FREE
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.
Located in the
Southeast
FREE
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.
Located in the
Southeast
FREE
The Internal Control List is 28 pages long and tne audit plan is 13 pages.
Located in the
Midwest
350 points
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.
Located in the
Midwest
1200 points
This is a short (less than 1 page) sample security message that can be used to educate customers to help meet the new FFIEC Supplemental Guidance on Internet Banking Authentication. It can be sent out as a statement message or secure message. You will want to customize it with the various security features that you offer.
Located in the
West
100 points
This Right to Financial Privacy Policy and Procedures was written by our compliance officer and has been approved by auditors and FDIC examiners.
Located in the
Southeast
200 points
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.
Located in the
Midwest
150 points
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
The Incident Response is a playbook-style document that details various roles and responsibilities in the event there is an attempted wire fraud by way of account takeover over using compromised customer credentials. This document details the response when the aatempt is identified after the wire leaves the bank.
Located in the
Northeast
150 points
This Risk Assessment has helped give us a logical way of identify the different risked accounts. You will need to also purchase the Level of Risk Spreadsheet.
Located in the
Southwest
100 points
Online Banking Cash Management Enrollment and Agreements
Located in the
Midwest
250 points
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.
Located in the
West
50 points
A great tool for Teller Training! Explains the five primary types of endorsements, and provides examples for each.
Located in the
Midwest
50 points
This document is 5 pages long and covers all the enhanced due diligence requirements from FIL 44-2008 GUIDANCE FOR MANAGING THIRD-PARTY RISK. To be used for vendors rated as High or Medium-High Risk on your risk assessment.
Located in the
West
150 points
This has been used in both large and small financial institutions and has been accepted by the regulators.
Located in the
West
100 points
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
Management succession plan for CEO, CLO, CFO, COO and Internal Audit/Security Officer
Located in the
Northeast
500 points
Consumer Application for opening deposit accounts for CIP purposes. Application gathers BSA activity for host input. FI uses credit report for opening accounts with OFAC monitoring and credit scoring with application giving customer consent prior to running credit report.
Located in the
Midwest
100 points
This simple, clear worksheet documents due diligence, risk assessment, and approval of new remote deposit customers. See "New RDC Customer Checklist" if you also need a checklist for meeting all setup and training requirements.
*Updated 10/13/11 to Excel 97-2003 file.
Located in the
Southwest
150 points
1. It shall be the policy of the Bank to maintain an ALLL at a level that is appropriate to absorb estimated credit losses associated with the loan and lease portfolio, including all binding commitments to lend. The ALLL shall also provide a sufficient amount to cover all estimated credit losses associated with off-balance sheet items such as standby letters of credit or other instruments deemed to have future loss potential.
1. It is the responsibility of the Directors Loan Committee and Senior Management to maintain the ALLL at an appropriate level.
2. In order to carry out the responsibility for maintaining an appropriate ALLL, the Directors Loan Committee and Senior Management shall:
Located in the
West
250 points
Simple succession policy for CEO
Located in the
West
200 points
This is a short (less than 1 page) sample security message that can be used to educate customers to help meet the new FFIEC Supplemental Guidance on Internet Banking Authentication. It can be sent out as a statement message or secure message. You will want to customize it with the various security features that you offer.
Located in the
West
100 points
48 purchases
This is a straight-forward listing of responsibilities, expectations and steps for carrying out dual control when working with the ATM.
Located in the
Midwest
100 points
Attached is a generic Compliance Program that we use. It will need to be customized to fit your institution.
Located in the
Southeast
100 points
Signable Employee Technology Agreement attesting to the bank's policy on expected, appropriate, and acceptable use.
Located in the
Midwest
100 points
Required FACT Act training for all staff given at our Columbus Day training.
Located in the
West
500 points
A simple and straight forward Employee policy on cell phones that focuses more on appropriateness rather than an outright ban.
Located in the
Midwest
50 points
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
This is our remote access and mobile users policy
Located in the
Northeast
100 points
This is a simple one page Word Doc checklist used for debit card fraud situations and another one page checklist used for debit card dispute situations. This is merely a set of questions and data used to process the debit card claim.
Located in the
West
50 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
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.
Located in the
Midwest
200 points
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.
Located in the
Southeast
FREE
This is a short (less than 1 page) sample security message that can be used to educate customers to help meet the new FFIEC Supplemental Guidance on Internet Banking Authentication. It can be sent out as a statement message or secure message. You will want to customize it with the various security features that you offer.
Located in the
West
100 points
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.
Located in the
Southeast
100 points
Attached are templates for:
Conducting a Consumer Internet Banking Risk Assessment
Conducting a Business Internet Banking Risk Assessment
Traning Material for Businesses
Training Material for Your website
Fraud Alert Material for Your website
The FIL Guidance itself
This includes detailed exmamples and explanations to include in the assessments. The traning material for consumers was already uploaded to this site by another user and is not included. You may purchase that material from her.
Located in the
Midwest
500 points
This is a short (less than 1 page) sample security message that can be used to educate customers to help meet the new FFIEC Supplemental Guidance on Internet Banking Authentication. It can be sent out as a statement message or secure message. You will want to customize it with the various security features that you offer.
Located in the
West
100 points
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.
Located in the
Southeast
200 points
This document is 8 pages long and has had positive comments from our FDIC examiners.
Located in the
West
200 points
Simple Night Deposit Audit Procedures. Main concerns are dual controls and contracts on file for customers.
Located in the
Southeast
50 points
This has been used in both large and small financial institutions and has been accepted by the regulators.
Located in the
West
100 points
Complete CFP - Board approved. It has been through one FDIC exam without criticism.
Located in the
Midwest
1500 points
INFORMATION TECHNOLOGY POLICY WAS BOARD APPROVED JUNE 2010
Located in the
Midwest
350 points
This policy establishes how TDRs will be properly identified and classified in accordance with generally accepted accounting principle (GAAP) and regulatory reporting requirements.
Located in the
Midwest
150 points
This is a spreadsheet was developed to provide a quanitative factor to the qualitative factors of The ALLL.
Located in the
West
250 points
Two tabs to the file- Fair Lending Risk Assessment and Fair Lending Review
Located in the
Midwest
250 points
Attached are templates for:
Conducting a Consumer Internet Banking Risk Assessment
Conducting a Business Internet Banking Risk Assessment
Traning Material for Businesses
Training Material for Your website
Fraud Alert Material for Your website
The FIL Guidance itself
This includes detailed exmamples and explanations to include in the assessments. The traning material for consumers was already uploaded to this site by another user and is not included. You may purchase that material from her.
Located in the
Midwest
500 points
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.
Located in the
Southeast
FREE
This is a short (less than 1 page) sample security message that can be used to educate customers to help meet the new FFIEC Supplemental Guidance on Internet Banking Authentication. It can be sent out as a statement message or secure message. You will want to customize it with the various security features that you offer.
Located in the
West
100 points
GENERAL MEDIA MATERIALS RELEASE FORM for voluntary employee consent to allow company to use employee related content.
Provisions for:
Voluntary Consent
Employee release for use, edit, modification and altering content
Copyright release to bank for media material
Restrictions on bank use. I.e cannot assign, transfer or sell content
Located in the
Southeast
50 points
This is a customer notification letter regarding changes to a flood zone map and required action.
Located in the
Midwest
50 points
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.
Located in the
Southeast
FREE
This credit line sweep agreement was created to sweep to/from checking and line of credit. We've used this very successfully with our customers. We customize this document to the customer needs.
Located in the
Southeast
500 points
The Incident Response is a playbook-style document that details various roles and responsibilities in the event there is an attempted wire fraud by way of account takeover over using compromised customer credentials. This document details the response when the aatempt is identified before the wire leaves the bank.
Located in the
Northeast
150 points
This is a short (less than 1 page) sample security message that can be used to educate customers to help meet the new FFIEC Supplemental Guidance on Internet Banking Authentication. It can be sent out as a statement message or secure message. You will want to customize it with the various security features that you offer.
Located in the
West
100 points
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).
Located in the
Southwest
375 points
Letter, audit certification and training document that can be customized and mailed or hand delivered to your ACH Origination customers annually to help satisfy audit requirements for customer ongoing ACH education. Updated to include 2012 verbiage for FFIEC Guidance.
Located in the
West
200 points
This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.
Located in the
Southeast
600 points
Comprehensive annual review form. Includes product risk assessment based on products used and dollar limits.
Located in the
West
400 points
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.
Located in the
West
100 points
General Pandemic Preparedness Policy. Policy covers coordinator, operations of bank, communications, PTO, personal hygiene, and testing. Topics are purposefully kept broad and are not specific or lengthy. Policy has been board approved. Policy is two pages.
Located in the
Midwest
100 points
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).
Located in the
Southeast
50 points
GENERAL MEDIA MATERIALS RELEASE FORM for voluntary employee consent to allow company to use employee related content.
Provisions for:
Voluntary Consent
Employee release for use, edit, modification and altering content
Copyright release to bank for media material
Restrictions on bank use. I.e cannot assign, transfer or sell content
Located in the
Southeast
50 points
GENERAL MEDIA MATERIALS RELEASE FORM for voluntary employee consent to allow company to use employee related content.
Provisions for:
Voluntary Consent
Employee release for use, edit, modification and altering content
Copyright release to bank for media material
Restrictions on bank use. I.e cannot assign, transfer or sell content
Located in the
Southeast
50 points
This Safe Act Audit workpaper is a 2 worksheet checklist. The Excel document is protected, but there is no password, so customization is easy. Leaving the document protected (or reprotecting it after customization) will allow you to tab through the answer fields for ease of input.
This is a 2010 Excel document. If you have any probles opening the document, please email me and I will email it to you in a different format. You can locate my email address by clicking on my name above.
Located in the
Southeast
100 points
We placed this eStatement Delivery Agreement within the Q2 Online Banking platform for our retail and commercial customers to show consent for eStatement enrollment, however it could be used with any platform. It is meant to contain a hyperlink to your sample eStatement to show proof to auditors that you are asking customers to confirm they can view prior to accepting the agreement. We tried to make it short enough for the customer to actually read.
Located in the
West
100 points
Sample IT EDP Plan
100 points
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.
Located in the
Midwest
150 points
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.
FREE
This Photo Release disclosure is used by our bank to use customer photos in our advertising and social media.
Located in the
Southeast
50 points
28 purchases
Checklist for onsite RDC customer site visit
100 points
This audit program was created as a guide to test compliance with the MLO Registration Requirements of the SAFE Act.
Located in the
Midwest
100 points
This letter is a sample letter to notify a customer that they have exceeded six overdrafts within a twelve month period.
Located in the
Midwest
50 points
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.
Located in the
Northeast
50 points
A useable record retention schedule.
Located in the
West
50 points
This is a Risk Assessment template for Remote Deposit Capture customers that may be able to be modified for Branch Capture.
100 points
This is a customer notification letter regarding changes to a flood zone map and required action.
Located in the
Midwest
50 points
OREO Policy
Located in the
Southwest
400 points
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.
Located in the
West
300 points
This is a newly revised wire policy that has been implemented by our bank based on recent audits. As more and more customers are wishing to do wire transfers initiated from fax, phone or e-mail, we have established a new policy on how we will accept those. This policy addresses those issues, as well as how we establish limits for internal approval of wires.
Located in the
Southwest
300 points
Good policy since online banking is becoming a big product
Located in the
Midwest
100 points
This is a customer notification letter regarding changes to a flood zone map and required action.
Located in the
Midwest
50 points
I do not take any credit for the content of this job description. I found it on the ABA website and thought it might come in handy someday.
Located in the
Southwest
FREE
OREO Policy
Located in the
Southwest
400 points
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.
Located in the
Northeast
500 points
This Vendor Management Policy with Due Diligence checklist has been reviewed and complimented on by both OCC and FDIC examiners.
Located in the
Southeast
600 points
One page agreement and acknowledgement by employee that says his personal cell phone/device will be subject to bank security rules to access bank email systems, etc.
Located in the
Southwest
FREE
Complete CFP - Board approved. It has been through one FDIC exam without criticism.
Located in the
Midwest
1500 points
This is a short (less than 1 page) sample security message that can be used to educate customers to help meet the new FFIEC Supplemental Guidance on Internet Banking Authentication. It can be sent out as a statement message or secure message. You will want to customize it with the various security features that you offer.
Located in the
West
100 points
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
Located in the
Southwest
200 points
Procedures to monitor Reg GG prohibiting Unlawful Internet Gambling Activity from reports associated with Shazam. This process has been reviewed and accepted by third party auditors.
Located in the
Midwest
100 points
Template Policy and Procedure for Remote Deposit Capture. Instructs you where to customize for your bank.
100 points
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
This ATM/Debit card dispute form works well for us.
Located in the
Midwest
25 points
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.
Located in the
Midwest
250 points
General Pandemic Preparedness Policy. Policy covers coordinator, operations of bank, communications, PTO, personal hygiene, and testing. Topics are purposefully kept broad and are not specific or lengthy. Policy has been board approved. Policy is two pages.
Located in the
Midwest
100 points
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.
Located in the
Midwest
100 points
This document is 8 pages long and has had positive comments from our FDIC examiners.
Located in the
West
200 points
2 purchases
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.
FREE
Template for procedures
Located in the
Midwest
50 points
2 purchases
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.
Located in the
West
150 points
Simple checklist to keep track of process during investigation of dispute.
Located in the
Southeast
50 points
64 purchases
This document is a straight-forward list of procedures for flood insurance expectations on new loans, monitoring coverage and force placement.
Located in the
Midwest
100 points
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.
Located in the
Southeast
FREE
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.
Located in the
West
150 points
Covers Identifying, classifying and monitoring accounts for BSA risk assessments
Located in the
Midwest
200 points
This Asset/Liability Policy has just been updated after a January FDIC Exam
Located in the
Midwest
50 points
This Policy is 10 pages long. It was written by our COO/CFO with 20 years of experience. The Policy was written in response to OCC Guidance. Our examiners have given us "Non-Disapproval" of this Policy.
Located in the
West
600 points
One page agreement and acknowledgement by employee that says his personal cell phone/device will be subject to bank security rules to access bank email systems, etc.
Located in the
Southwest
FREE
BSA Officer Job Description was written by myself (VP, BSA Officer) with 10 years experience.
Located in the
West
50 points
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.
Located in the
Southeast
FREE
Talking points slide for compliance with annual information security training requirements.
Located in the
Southwest
100 points
Worksheet to use to determine customer eligibility for RDC
100 points
Wire transfer agreement used in conjunction with Telephone/Fax/email/Internet banking wire transfer request authorization form.
Located in the
West
100 points
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.
Located in the
West
150 points
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
Located in the
Southeast
50 points
This combination IT Risk Assessment and Information Security Risk Assessment is 18 pages and covers all IT and Information Security information. It can easily be changed to your specifications. The assessment has been reviewed by IT auditors, State Examiners, and FDIC and has received good feedback from all of them.
Located in the
Southeast
500 points
This spreadsheet includes two worksheets - a Compliance Schedule and a Task Oriented Summary of Regulatory Changes. You should use this document as a starting place for developing a strategic compliance plan for Dodd-Frank.
200 points
This RDC Risk Analysis is 3 pages long. It was written in 2010 and is updated as needed. This Analysis is not based on an in-house system.
Located in the
Northeast
250 points
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.
Located in the
West
150 points
This assessment was written by our compliance committee and ACH personnel. It includes threats, risk ratings and controls.
Located in the
Midwest
150 points
Security Procedures includes the Safe Catch Bank Robbery Suppression & Apprehension Program as well as the normal opening/closing, currency controls, security, burglary, extortion/kidnap, etc...
Located in the
West
300 points
Form used to manage customer maintenance requests on account or CIF records.
Located in the
West
100 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
Comprehensive Purchasing Policy that is easy to adapt to a mid sized financial organization.
Located in the
Midwest
100 points
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.
Located in the
West
750 points
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
Located in the
Northeast
150 points
This is a spread sheet that allows you to track annual approval and any amendments to policies, exam exceptions, business continuity.
Located in the
Midwest
50 points
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.
FREE
This RDC Risk Analysis is 3 pages long. It was written in 2010 and is updated as needed. This Analysis is not based on an in-house system.
Located in the
Northeast
250 points
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.
Located in the
Southeast
500 points
THis is a quick worksheet that I developed based on our loan policy and underwriting guidelines to give a quick overview of the loan to help determine the initial approval or denial. It is not intended to be the only analyzation tool.
Located in the
Midwest
50 points
This RDC Risk Analysis is 3 pages long. It was written in 2010 and is updated as needed. This Analysis is not based on an in-house system.
Located in the
Northeast
250 points
An RDC customer application and agreement all rolled into one document.
Located in the
Midwest
250 points
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
BSA/AML RISK ASSESSMENT -- includes OFAC risk assessment as well. This was taken from 3 or 4 samples and put into one complete assessment.
Located in the
Southwest
250 points
Spreadsheet can be used to perform due diligence when comparing Internet Banking vendors and peripheral products. Includes an Executive Summary section for your Bank Board of Directors or Senior Management. Can also be modified for cost comparisons with other products.
Located in the
West
150 points
Letter, audit certification and training document that can be customized and mailed or hand delivered to your ACH Origination customers annually to help satisfy audit requirements for customer ongoing ACH education. Updated to include 2012 verbiage for FFIEC Guidance.
Located in the
West
200 points
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.
Located in the
Midwest
50 points
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.
Located in the
Northeast
100 points
This ACH policy is for management, credit, and risk. It is detailed and updated thru rules changes of 2011. This policy was generated for a community bank involeved in ACH origination.
Located in the
Southwest
500 points
This policy is not for a line of credit. It is a discretionary policy, and not a right or obligation guaranteed to you, where we may approve your reasonable overdrafts including any applicable fees. The limit for personal checking account is up to $500 and up to $1,000 for business accounts, when your account is in good standing. Good standing may include, but is not limited to, any or all of the following criteria and is subject to change without notice:
Your account has been open at least 90 days.
You are making regular deposits to cover withdrawals consistent with your past practices.
You deposited $500 or more in your account in the past 30-day period.
You are not in default on any loan or other obligation to us.
You are not subject to any legal or administrative order or levy.
Your account is not overdrawn 15 or more days.
Located in the
Northeast
50 points
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.
Located in the
Southwest
150 points
This is a simple one page Word Doc checklist used for debit card fraud situations and another one page checklist used for debit card dispute situations. This is merely a set of questions and data used to process the debit card claim.
Located in the
West
50 points
Auditors want to track the reasons you change a customers risk factor and this form has given us a good way to make sure everyone is using the same methodology to change a customer.
Located in the
Midwest
50 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
This is a Risk Assessment template for Remote Deposit Capture customers that may be able to be modified for Branch Capture.
100 points
Redisclosure of the GFE is only allowed in certain situations. This checklist helps to determine that it is an allowable circumstance and to document the reasoning for the file.
Located in the
Midwest
50 points
This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.
100 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
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.
Located in the
Southeast
100 points
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.
Located in the
Southeast
FREE
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.
Located in the
Midwest
1200 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
This ATM/Debit card dispute form works well for us.
Located in the
Midwest
25 points
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.
Located in the
Northeast
200 points
Letter, audit certification and training document that can be customized and mailed or hand delivered to your ACH Origination customers annually to help satisfy audit requirements for customer ongoing ACH education. Updated to include 2012 verbiage for FFIEC Guidance.
Located in the
West
200 points
This is an Excel Spreadsheet
Located in the
Southwest
100 points
Policy Risk and approval forms for Cash Management ACH customers
Located in the
West
1000 points
This is a simple one page Word Doc checklist used for debit card fraud situations and another one page checklist used for debit card dispute situations. This is merely a set of questions and data used to process the debit card claim.
Located in the
West
50 points
This has been used in both large and small financial institutions and has been accepted by the regulators.
Located in the
West
100 points
This audit plan covers everything from cash controls and processes to required disclosures and signage postings.
Located in the
Southeast
100 points
This Reg CC Quick Reference is on 2 tabs of the excel spreadsheet. We recently went through an FDIC complaince exam with no issues with this form.
Located in the
Midwest
100 points
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.
Located in the
West
50 points
Simple checklist to keep track of process during investigation of dispute.
Located in the
Southeast
50 points
The questions on this checklist were actually taken from our previous software vendor web-based dispute questionnaire.
I have been in banking for 30+ years am currently in charge of the operations and IT departments of a small community bank in Central WI.
Located in the
Midwest
5 points
47 purchases
ALLL calculation - supporting worksheets allow places to track historical loss factors, adjustment factors and FAS 114 calculations. This has been through a couple regulatory examinations without criticism.
Located in the
Midwest
1000 points
This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.
100 points
This sample risk assessment takes you step by step through credit risk, compliance risk, BSA risk, etc. to help you develop a unique risk assessment for your bank. In a user-friendly WORD format.
350 points
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.
Located in the
Midwest
100 points
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.
Located in the
Midwest
200 points
Residential RE Loan checklist used by our compliance officer for monitoring loan files.
Located in the
Midwest
100 points
Simple checklist to keep track of process during investigation of dispute.
Located in the
Southeast
50 points
This document outlines normal and force open/non witnessed safe deposit visit procedures.
Located in the
Southwest
50 points
This is an internal policy that tells CSR's and Loan Officer's how to rate a customer. Low, Medium and High are all eplained in this document. Policy for rating commercial customer is included.
Located in the
Southeast
100 points
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.
Located in the
West
250 points
BSA/AML RISK ASSESSMENT -- includes OFAC risk assessment as well. This was taken from 3 or 4 samples and put into one complete assessment.
Located in the
Southwest
250 points
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.
Located in the
Southeast
150 points
Policy Risk and approval forms for Cash Management ACH customers
Located in the
West
1000 points
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.
Located in the
Northeast
50 points
New loan policy for smaller banks, including remote deposit capture guidelines, collection policies and many exhibits.
Located in the
Midwest
500 points
ACH Risk needs to be understood by all ACH operations staff, lenders and management. This is a 21 slide powerpoint covers the various types of ACH Risk: operating, fraud, debit & credit. Also looks at how to manage the risks and who should be responsible to review the risk.
Located in the
Midwest
100 points
Reg D Procedures to monitor excess transactions and NOW account eligibility including customer violation letters.
Located in the
West
200 points
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.
Located in the
Midwest
250 points
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
This ATM/Debit card dispute form works well for us.
Located in the
Midwest
25 points
Teller Over and Short Policy including returned items.
Located in the
West
150 points
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.
Located in the
West
150 points
Attached are templates for:
Conducting a Consumer Internet Banking Risk Assessment
Conducting a Business Internet Banking Risk Assessment
Traning Material for Businesses
Training Material for Your website
Fraud Alert Material for Your website
The FIL Guidance itself
This includes detailed exmamples and explanations to include in the assessments. The traning material for consumers was already uploaded to this site by another user and is not included. You may purchase that material from her.
Located in the
Midwest
500 points
Simple checklist for operations personnel to keep track of the process.
Located in the
Southeast
50 points
This annual training was created to create employee awareness in the areas of BSA, Confidentiality, Security, & CRA.
Located in the
Southeast
200 points
This is a simple one page Word Doc checklist used for debit card fraud situations and another one page checklist used for debit card dispute situations. This is merely a set of questions and data used to process the debit card claim.
Located in the
West
50 points
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.
FREE
This ATM/Debit card dispute form works well for us.
Located in the
Midwest
25 points
This document was written by our HR Director and has passed all FDIC exams.
Located in the
Midwest
150 points
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.
Located in the
Southeast
FREE
The purpose of this policy is to define the requirements and guidelines for participation in social media which will help protect the customers and employees’ information and reputation of your bank!
Located in the
Midwest
100 points
This Compromised Card letter not only is notification of a compromise but also provides to the customer ways to protect themselves and their accounts against future fraudulent attempts.
Located in the
Midwest
50 points
Sample IT EDP Plan
100 points
The attached policy is part of the Bank's Information Security Program. This Information Technology Policy is what a new employee (and annually all employees) need to review, read, and sign off on to keep up with the Technology Policy of the bank.
I have removed my bank name throughout and left blank spaces. It is mostly generic.
This has passed Internal Audit exams.
Located in the
Northeast
450 points
This spreadsheet includes a sample list of Dodd-Frank regulations and describes how those regulations will affect an FI. Specifically, it covers different topics, responsible agencies, covered institutions, topic details, due dates, and regulation sections.
This should help you develop an overall compliance strategy for Dodd-Frank.
250 points
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.
FREE
Simple checklist to keep track of process during investigation of dispute.
Located in the
Southeast
50 points
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.
Located in the
West
250 points
This EDD provides the additional steps at account opening and after account opening when EDD procedures are required.
Located in the
West
50 points
Our Customer Due Diligence Program is part of our overall BSA Policy. It has been recently updated and, at the examiners request, moved from a stand alone policy to part of the BSA.
Located in the
West
200 points
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.
Located in the
Southwest
50 points
This UDAP Review is 7 pages long. It has been through a compliance exam and was well liked by examiners.
Located in the
Midwest
250 points
Simple checklist to keep track of process during investigation of dispute.
Located in the
Southeast
50 points
Guidelines for Ach Origination
Located in the
Midwest
100 points
This document is 5 pages long and covers all the enhanced due diligence requirements from FIL 44-2008 GUIDANCE FOR MANAGING THIRD-PARTY RISK. To be used for vendors rated as High or Medium-High Risk on your risk assessment.
Located in the
West
150 points
Updated policy for 2011
Located in the
Southwest
250 points
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.
Located in the
Southwest
150 points
60 purchases
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.
Located in the
West
300 points
Worksheet used to as a checklist for a flood compliance audit and to document findings.
Located in the
Southeast
100 points
1. It shall be the policy of the Bank to maintain an ALLL at a level that is appropriate to absorb estimated credit losses associated with the loan and lease portfolio, including all binding commitments to lend. The ALLL shall also provide a sufficient amount to cover all estimated credit losses associated with off-balance sheet items such as standby letters of credit or other instruments deemed to have future loss potential.
1. It is the responsibility of the Directors Loan Committee and Senior Management to maintain the ALLL at an appropriate level.
2. In order to carry out the responsibility for maintaining an appropriate ALLL, the Directors Loan Committee and Senior Management shall:
Located in the
West
250 points
This S.A.F.E Act Policy was approved by our Board of Directors in July and was recently reviewed during an FDIC Compliance Exam in September. The examiners complimented the policy and had no recommendations for changes. The policy covers definitions, rights and responsibilities of the bank and MLO's, indentifies the personnel responsible for monitoring compliance witht he policy, and information on maitaining the registry.
Located in the
Southwest
600 points
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.
Located in the
Northeast
100 points
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.
Located in the
Southwest
100 points
This policy establishes how TDRs will be properly identified and classified in accordance with generally accepted accounting principle (GAAP) and regulatory reporting requirements.
Located in the
Midwest
150 points
This a a Regulatory Compliance Calendar that is updated the beginning of each year and provided to all compliance managers on different compliance activities that are due throughout the year (e.g., HMDA LAR due, annual security report due, annual privacy mailing). It includes the Due Date, Compliance Activity, Description, and Completed columns. It can be customized to your Bank's needs and is very helpful in keeping on track for all the compliance activity due dates throughout the year (we discuss at each Compliance Committee meeting).
Located in the
Southeast
150 points
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.
Located in the
Midwest
50 points
This spreadsheet includes two worksheets - a Compliance Schedule and a Task Oriented Summary of Regulatory Changes. You should use this document as a starting place for developing a strategic compliance plan for Dodd-Frank.
200 points
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.
Located in the
Southeast
200 points
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.
Located in the
Midwest
400 points
This is a spreadsheet I developed to measure deposit decay rates and liability sensitivity of non-maturity deposits.
Located in the
West
400 points
Red Flags Policy, Procedures and Risk Assessment
Located in the
Midwest
1000 points
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.
Located in the
Midwest
500 points
This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.
100 points
Template for procedures
Located in the
Midwest
50 points
This is a questionnaire for the customer to answer about the forgery or fraud.
Located in the
Midwest
50 points
This assessment was written by our compliance committee and ACH personnel. It includes threats, risk ratings and controls.
Located in the
Midwest
150 points
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
Located in the
Midwest
100 points
Created by VP/Treasury Mgt/ACH, with AAP (Accredited ACH Professional) designation. During last audit, auditor asked if he could share our risk assessments with other banks, as they were so comprehensive. We told him we would put them on cbanc after modifying them for generic use.
Located in the
Southwest
600 points
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.
Located in the
Midwest
250 points
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.
Located in the
Midwest
200 points
Response form used to document when a Consumer Compliance Complaint is received.
Located in the
West
50 points
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.
FREE
This Mobile Device Policy is 4 pages long and was updated recently to include iPads and other newere mobile devices.
Located in the
Midwest
200 points
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.
Located in the
Southeast
FREE
This policy has been reviewed and accepted by the regulators.
Located in the
West
300 points
The Business Continuity & Disaster Plan has been Board approved as of May 2010
Located in the
Midwest
250 points
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.
Located in the
West
150 points
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.
Located in the
Southeast
200 points
Some training questions for samll banks to use to make staff aware of red flags areas of concern.
Located in the
Midwest
50 points
This includes brief, to-the-point procedures for handling exceptions to exposure limits and a form for bank records.
Located in the
Midwest
50 points
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.
Located in the
Southeast
50 points
This combination IT Risk Assessment and Information Security Risk Assessment is 18 pages and covers all IT and Information Security information. It can easily be changed to your specifications. The assessment has been reviewed by IT auditors, State Examiners, and FDIC and has received good feedback from all of them.
Located in the
Southeast
500 points
This policy addresses the composition and control of the loan portfolio as a whole and establishes standards for individual credit decisions.
Located in the
Midwest
500 points
1. It shall be the policy of the Bank to maintain an ALLL at a level that is appropriate to absorb estimated credit losses associated with the loan and lease portfolio, including all binding commitments to lend. The ALLL shall also provide a sufficient amount to cover all estimated credit losses associated with off-balance sheet items such as standby letters of credit or other instruments deemed to have future loss potential.
1. It is the responsibility of the Directors Loan Committee and Senior Management to maintain the ALLL at an appropriate level.
2. In order to carry out the responsibility for maintaining an appropriate ALLL, the Directors Loan Committee and Senior Management shall:
Located in the
West
250 points
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.
Located in the
Southeast
FREE
Allowance for Loan Loss Policy
Located in the
Midwest
50 points
This Right to Financial Privacy Policy and Procedures was written by our compliance officer and has been approved by auditors and FDIC examiners.
Located in the
Southeast
200 points
These are procedures for implementing a SCRA Policy. This document should give you a good start on implementing your Bank's SCRA policy. You will need to edit the document to make it specific to your institution.
Located in the
Southeast
300 points
The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.
1 points
One page agreement and acknowledgement by employee that says his personal cell phone/device will be subject to bank security rules to access bank email systems, etc.
Located in the
Southwest
FREE
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.
Located in the
Northeast
100 points
We are a 50 million bank and this is what we use for both our appraisals and evaluations.
Located in the
Southwest
25 points
20 Question Appraisal Review Form
Located in the
Midwest
50 points
Attached is a generic Compliance Program that we use. It will need to be customized to fit your institution.
Located in the
Southeast
100 points
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.
Located in the
Southeast
FREE
Template Policy and Procedure for Remote Deposit Capture. Instructs you where to customize for your bank.
100 points
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.
Located in the
Midwest
250 points
Remote Deposit Risk Assessment
Located in the
West
600 points
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.
Located in the
Southeast
FREE
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.
Located in the
Southeast
FREE
Remote Deposit Capture Service procedures, including Underwriting Guidelines and Service Establishment Procedures and Responsibilities, Changes or Deletions, Audit Policy, and Staff Training Requirements.
Located in the
Midwest
250 points
This document is 8 pages long and has had positive comments from our FDIC examiners.
Located in the
West
200 points
Customer Application for RDC
100 points
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.
FREE
Worksheet to use to determine customer eligibility for RDC
100 points
Template for procedures
Located in the
Midwest
50 points
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.
Located in the
Midwest
250 points
"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