The Exchange

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

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

Recent activity

Feb 04

5 purchases

OREO Audit Checklist

Includes OREO audit procedures for individual properties.

150 points

Reg E Error Resolution

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

100 points

Sample Social Media Policy

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

FREE

Information Technology Policy

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

500 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Feb 03

50 purchases

ADA/ ATM Policy

The Department of Justice (the Department) has amended its regulation implementing title II and title III of the Americans with Disabilities Act (ADA), which applies to public accommodations and commercial facilities. The ADA design standards are consistent with the guidelines published by the U.S. Architectural and Transportation Barriers Compliance Board (Access Board). The Title II and III rules adopt new Standards for Accessible Design that are consistent with the ADA/ABA Accessibility Guidelines developed by the Access Board. The final rule also amends the existing title II and III regulations to make it consistent with current policies and published guidance, to reflect the Department's experience since the regulation was first published in 1991. These revisions take effect on March 15, 2011.

50 points

Core Processing Request for Proposal

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

500 points

Annual Internal Audit Timesheet

Used hours input into this spreadsheet for Annual Audit Planning for the next year

100 points

Unfair, Deceptive and Abusive Acts and Practices Policy

It is the policy of the Bank to comply with all Unfair or Deceptive Acts or Practices, which includes Regulation AA (12 CFR 227), Section 5 of the Federal Trade Commission Act (“FTC Act”) Federal Trade Commission’s 1976 rule concerning the Preservation of Consumer’s Claims and Defenses (16 CFR part 433), and the Fair Debt Collection Practices Act (“FDCPA”) and to avoid the unfair or deceptive practices described within.

300 points

BSA Procedure for Identifying and Monitoring High Risk Accounts

Covers Identifying, classifying and monitoring accounts for BSA risk assessments

200 points

Garnishment Procedures

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).

150 points

Farm Income & Expense Trends

This Farm Income & Expense Trend report is easy to use

50 points

FARM VISIT TEMPLATE

SUMMARIZIES A FAM CALL VISIT BY LENDING OFFICERS.

100 points

IT Risk Assessment & Information Security Risk Assessment

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.

500 points

Complaint Resolution Policy

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

150 points

Mortgage Quality Control Policy

The system also assures prompt and effective corrective measures are taken by the Company when deficiencies in the loan origination or servicing process are identified. Where a pattern of deficiencies or fraud is found, the scope of the review is expanded as warranted including an increase in the number of files reviewed as well as a more in-depth review. The following are the overriding goals of Quality Control: • To assure compliance with agency and internal origination requirements • Protect investors from unacceptable risk • Guard against errors, omissions, and fraud • Assure swift and appropriate corrective action

100 points

Check List

Check list for periodic review

100 points

Mobile Banking Risk Assessment

Mobile Banking Risk Assessment

600 points

Mobile Banking Risk Assessment

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

500 points

ACH Authorization For Direct Payment

ACH Authorization Agreement For Direct Payment Has been examined as recently as August of 2011. Word Doc.

50 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Overdraft Policy

POLICY EVERY DAY ITEMS ARE PRESENTED FOR PAYMENT AGAINST CUSTOMER'S ACCOUNTS. IF THERE ARE NOT SUFFICIENT FUNDS IN THE ACCOUNT AT THE TIME THESE ITEMS ARE PRESENTED, IT WILL CAUSE THE ACCOUNT TO BECOME OVERDRAWN (IN A NEGATIVE BALANCE). WHEN THIS OCCURS, IT IS NECESSARY TO MAKE THE DECISION WHETHER TO EXTEND CREDIT TO THE CUSTOMER BY APPROVING PAYMENT OF THE CHECKS OR WHETHER TO RETURN THE ITEMS TO THE PAYEE.

400 points

Opt-in confirmation letter

This letter is mailed to customers who have elected to opt-in for overdraft coverage on their debit and ATM cards.

100 points

Welcome Letter - Overdraft protection

This letter is sent to customers upon eligibility for Worry Free Overdraft Protection.

100 points

Overdraft Counseling Letter, Cheklist and Report to Board of Directors

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.

100 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Bank Closing Account Sample Letter

Closed Account Notification This letter is to inform you that (Bank) has made the decision to close your checking account (# xxxxx). T

50 points

Virtualization Risk Assessment

This is an Excel Spreadsheet

100 points

R/E Construction Draw & Inspection Worksheet

This is an construction inspection worksheet to be used to evaluate progress on a R/E construction loan. It calculates percentage completion for draws available.

250 points

BSA Test with Answer Sheet

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

25 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Security Officer job description

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.

FREE

Reg CC Training

This is a customizable power point presentation (29 slides) that provides a basic history of Reg CC, then jumps right in to an in-depth discussion of Holds. Updated in 2010, this presentation includes new terminology and helps to eliminate confusion around the ‘old’ classifications of “local and non-local”. (These items are now “next day” and “non-next-day”. ) Slides include discussion samples designed to get Tellers and Personal Bankers thinking about best practices for complex situations. Takes 30-45 minutes to present, based on the level of discussion in your training room.

250 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Incentive Plan for Commercial Relationship Managers

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

200 points

Virtualization Risk Assessment

This is an Excel Spreadsheet

100 points

BIA Template

After struggling mightily with how to streamline the buildout of the BIA section of our business continuity process, we developed this template internally, disseminated it globally and it saved us immense quantities of time during this challenging process! (2 pages)

100 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

E-banking risk assessment

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

200 points

Virtual Policy

Virtual Tech Policy

100 points

Virtualization Risk Assessment

This is an Excel Spreadsheet

100 points

Check List

Check list for periodic review

100 points

Virtualization Risk Assessment

This is an Excel Spreadsheet

100 points

Mobile Banking Risk Assessment

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

500 points

Server Virtualization Business Case

This server virtualization business case was developed in 2009 for a 280MM community bank.

500 points

UDAAP Policy

The Bank's policy statements are intentionally brief (only 3 paragraphs for Reg AA), with compliance achieved thru specific procedural requirements.

50 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Remote Deposit Audit

This is a one page check list for completing the annual merchant audit for remote deposit capture.

100 points

Remote Deposit Capture Annual Customer Audit and Training

Letter, audit certification and training document that can be mailed or hand delivered to your Remote Deposit Capture customers annually to help satisfy the new FFIEC Guidance requirements.

150 points

Check List

Check list for periodic review

100 points

Virtualization Risk Assessment

This is an Excel Spreadsheet

100 points

Monthly audit checklist

This is a checklist used to track the internal branch operations, including vault, signage, night deposit, job rotation, inventory, etc.

50 points

Chief Operating Officer Job Description

Job description for Chief Operating Officer of small community bank ($160 million).

100 points

Feb 02

51 purchases

GLBA BOARD REPORT

Annual report to the Board

250 points

Mortgage Quality Control Policy

The system also assures prompt and effective corrective measures are taken by the Company when deficiencies in the loan origination or servicing process are identified. Where a pattern of deficiencies or fraud is found, the scope of the review is expanded as warranted including an increase in the number of files reviewed as well as a more in-depth review. The following are the overriding goals of Quality Control: • To assure compliance with agency and internal origination requirements • Protect investors from unacceptable risk • Guard against errors, omissions, and fraud • Assure swift and appropriate corrective action

100 points

Virtual Policy

Virtual Tech Policy

100 points

Vendor Due Diligence Review Form

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.

150 points

REGULATION O ANALYSIS

This Reg O checklist is used for compliance purposes for Regulation O loans to ensure compliance. This was blessed by an FDIC examiner, and they love the form.

150 points

Customer Due Diligence Program/Part of BSA

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.

200 points

Commercial Loan Presentation

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

50 points

Check List

Check list for periodic review

100 points

BSA / AML annual board of directors training

BSA / AML power point board of directors annual training. This has been passed around from several banks and each bank has tweak the material as necessary to fit into their BSA program. This has been reviewed and approved by our current internal auditors during our annual review, Federal Reserve Bank of Boston and the Ma State Division of Banking.

100 points

Check List

Check list for periodic review

100 points

Sample Social Media Policy

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

FREE

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

New RDC Customer Risk Assessment

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.

150 points

Remote Deposit Audit

This is a one page check list for completing the annual merchant audit for remote deposit capture.

100 points

Remote Deposit Capture Customer Self-Assesment

Document designed to be mailed to an existing RDC customer as part of an annual review process.

50 points

Business New Account Checklist

MANDATORY DOCUMENTS TO BE COLLECTED AT ACCOUNT OPENING DO YOU USE MERCHANT PROCESSING? __YES __NO SOLE PROPRIETOR ** A sole proprietor has only one owner; any other agents to sign the signature card are only authorized signers, unless it is a husband and wife. __ Fictitious Business Name Statement (if customer’s surname is not in the business title)

50 points

Unfair, Deceptive and Abusive Acts and Practices Policy

It is the policy of the Bank to comply with all Unfair or Deceptive Acts or Practices, which includes Regulation AA (12 CFR 227), Section 5 of the Federal Trade Commission Act (“FTC Act”) Federal Trade Commission’s 1976 rule concerning the Preservation of Consumer’s Claims and Defenses (16 CFR part 433), and the Fair Debt Collection Practices Act (“FDCPA”) and to avoid the unfair or deceptive practices described within.

300 points

Fair Lending Risk Assessment

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

250 points

Overdraft Counseling Letter, Cheklist and Report to Board of Directors

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.

100 points

ACH direct send to FED

ACH direct send to FED

50 points

Reg E Letter to Customers

Form letter to notify customers of credit on POS transactions.

50 points

ACH Annual Originator Review Procedures and form

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

100 points

Check List

Check list for periodic review

100 points

Regulation E Policy (Sample)

A sample Regulation E Policy is attached. All supporting exhibits are included in a separate document. This document is provided for information purposes only. It is not intended as legal advice. You may wish to consult with legal counsel before using any document or agreement for your particular situation. No legal advice is given or intended by uploading this document for your review.

200 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Security Procedures

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...

300 points

Sample Social Media Policy

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

FREE

Virtualization Risk Assessment

This is an Excel Spreadsheet

100 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Enterprise Compliance Risk Assessment

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

300 points

Virtualization Risk Assessment

This is an Excel Spreadsheet

100 points

CD Cashing-Deposit Account Closing Maintenance Form

This form is used when cashing CD's as well as closing Deposit Accounts. It is a MS Word fill-in document that can be customized with your bank specific reasons.

50 points

Unfair, Deceptive and Abusive Acts and Practices Policy

It is the policy of the Bank to comply with all Unfair or Deceptive Acts or Practices, which includes Regulation AA (12 CFR 227), Section 5 of the Federal Trade Commission Act (“FTC Act”) Federal Trade Commission’s 1976 rule concerning the Preservation of Consumer’s Claims and Defenses (16 CFR part 433), and the Fair Debt Collection Practices Act (“FDCPA”) and to avoid the unfair or deceptive practices described within.

300 points

Remote Deposit Capture Customer Eligibility Form

The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.

1 points

Bank Secrecy Act Policy

BSA Policy written by our compliance staff. Has been reviewed during several exams and is updated as recommended. Includes policy for opening accounts. The bank uses a third party vendor under the non-documentary method of ID verification to verify the identity of a customer. The bank does not open foreign accounts and does not share information with other FIs, so does not include policy for those topics.

300 points

Check Cashing Policy

This is a very to-the-point policy specifying requirements for check cashing.

250 points

HMDA Data Collection & Verification Form

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

100 points

Credit Memo - Commercial Loans

This is a template for a credit memo used for commercial loans. It can also be used for a loan review.

50 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Consumer Loan Work Flow - Real Estate Secured

This is a work flow that walks you through the step by step process of a real estate secured loan - from application to closing. Depending on who is responsible for which tasks in your organization, you will need to tailor it to your needs.

100 points

Record Retention Schedule

A useable record retention schedule.

50 points

Cash Flow Analysis Spreadsheet

Proforma Cash flow spreadsheet which also includes worksheets 10% and 20% stress tests. Allows for easy input pages that feed directly into main sheets.

1000 points

Virtual Policy

Virtual Tech Policy

100 points

Credit Memo

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

250 points

Commercial Loan Credit Memo

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

50 points

Virtualization Risk Assessment

This is an Excel Spreadsheet

100 points

OREO/REPO Recap Sheet

This OREO/REPO Recap Sheet is placed in all our OREO/REPO files. Examiners have found it to be very useful. It contains current information that is relevant to the disposition of the property (i.e., if it is leased or sold, the current value and appraisal date, listing price and date, listing agent contact info, date title was received, tenant contact info (if applicable), a summary of write-down activity, attorney contact info).

50 points

Template ACH Risk Assessment

This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.

100 points

OREO Policy

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

150 points

Fair Lending Risk Matrix

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

100 points

FAS114 Fair Value of Collateral Spreadsheet

This Excel spreadsheet is used to determine the Fair Value of Collateral (to meet requirements with FAS114). It is completed for every impaired loan.

50 points

Feb 01

48 purchases

Safe Deposit Box Procedures

This document outlines normal and force open/non witnessed safe deposit visit procedures.

50 points

Chief Operating Officer Job Description

Job description for Chief Operating Officer of small community bank ($160 million).

100 points

CFO Job Description

Basic job description for a small community bank.

50 points

Job descriptions (CEO, CFO, CAO, CLO)

Job descriptions for CEO, CFO, CAO, CLO

250 points

Internal Audit Plan

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

350 points

Impaired Loan Report

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.

100 points

Mortgage Quality Control Policy

The system also assures prompt and effective corrective measures are taken by the Company when deficiencies in the loan origination or servicing process are identified. Where a pattern of deficiencies or fraud is found, the scope of the review is expanded as warranted including an increase in the number of files reviewed as well as a more in-depth review. The following are the overriding goals of Quality Control: • To assure compliance with agency and internal origination requirements • Protect investors from unacceptable risk • Guard against errors, omissions, and fraud • Assure swift and appropriate corrective action

100 points

RDC - Customer Site Visit Checklist

Checklist for onsite RDC customer site visit

100 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Social Networking Guidelines for Employees

The use of social networks (e.g. LinkedIn, Twitter, Facebook) for both personal and business purposes is increasing. The purpose of this document is to provide some general guidelines and procedures for employees to follow when using social networks. This document applies to personal social network usage, and not to usage for company purposes or on company accounts. Also contains a sheet for employee to sign that they have read and understand policy, to be kept in employee HR file.

100 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Troubled Debt Restructure

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.

50 points

Section 312: FACT Act Data Integrity Policy

A bank policy stating how the bank will comply with section 312 of FACTA, regarding Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies and Dispute Management.

250 points

FACTA: Section 312 Procedure

Procedures for handling disputes in accordance with section 312 of FACTA.

100 points

Foreclosure Self-Assessment

This Foreclosure Self-Assessment is the Foreclosure Self-Assessment developed specifically for our bank. It is geared towards banks in judicial foreclosure states. It is more of a sample than a form and will need to be updated with specific information about the Bank's foreclosures that are included in the sample.

1000 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Commercial Loan Credit Memo

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

50 points

ACH Origination Agreement

This updated ACH Agreement incorporates recent rules changes, including authorization requirements, IAT processing, right to audit, etc.

200 points

Adverse Action Training for Small Banks

Training material for annual Adverse Action Training. It includes model forms and flow charts plus checklists for withdrawn/declined loans. Very helpful information which serves also as our bank's procedures for handling adverse action.

200 points

Overdraft Protection Counseling Form

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.

50 points

Record Retention Schedule

A useable record retention schedule.

50 points

Compliance Officer - Insider Loan Checklist

Checklist for Insider Loans - (prefunding) One checklist for Executive Officer Loans and one checklist for Director Loans. Could be used for audit also.

100 points

Foreclosure Self-Assessment

This Foreclosure Self-Assessment is the Foreclosure Self-Assessment developed specifically for our bank. It is geared towards banks in judicial foreclosure states. It is more of a sample than a form and will need to be updated with specific information about the Bank's foreclosures that are included in the sample.

1000 points

Foreclosure Policies & Procedures

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.

750 points

ACH Annual Originator Review Procedures and form

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

100 points

Business Impact Analysis Workbook

Business Impact Analysis Workbook used to rate Maximum Tolerable Downtime (MTD), Recovery Point Objective (RPO) and Recovery Time Objective (RTO) for Business Systems (Not single Assets)

200 points

BIA Template

After struggling mightily with how to streamline the buildout of the BIA section of our business continuity process, we developed this template internally, disseminated it globally and it saved us immense quantities of time during this challenging process! (2 pages)

100 points

Unlawful Internet Gambling Enforcement Act Policy

Reg GG Unlawful Internet Gambling Enforcement Act\Unlawful Internet Gambling Enforcement Act Policy with Exhibits and Appendixes

250 points

Mobile Banking Risk Assessment

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

500 points

Internet Banking Policy

This is a sample Internet Banking Policy including sections on purpose, objective, goals, authority, risks, operational elements, reporting, security, audit and compliance.

400 points

Marketing Plan

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.

250 points

Consumer Complaint Response Form

Response form used to document when a Consumer Compliance Complaint is received.

50 points

Internet Banking Policy

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

500 points

Foreclosure Self-Assessment

This Foreclosure Self-Assessment is the Foreclosure Self-Assessment developed specifically for our bank. It is geared towards banks in judicial foreclosure states. It is more of a sample than a form and will need to be updated with specific information about the Bank's foreclosures that are included in the sample.

1000 points

Retention Manual

RETENTION PERIOD Time is the focal point of a records retention program. The determination of time periods is based on: • Use of records in day-to-day operations. • Applicable laws and regulations of state and federal governments and regulatory bodies. • Advice of legal counsel. • State statute of limitations. STORAGE OF INACTIVE RECORDS 1. The records retention schedule will indicate when records become inactive and can be moved into storage. 2. The decision concerning where and how records are to be stored is dependent on the value of the records. For maximum protection, valuable records should be kept in steel fire-resistant files. ACCOUNTING Accrual records 3 years Advices 2 years Advices 2 years Affidavits, Bonds of Indemnity and all Pertinent information pertaining to Issuance of duplicate checks 5 years after paid

700 points

Mobile Banking Risk Assessment

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

500 points

Compliance Officer - Insider Loan Checklist

Checklist for Insider Loans - (prefunding) One checklist for Executive Officer Loans and one checklist for Director Loans. Could be used for audit also.

100 points

Overdraft excessive use sample letter

This letter is a sample letter to notify a customer that they have exceeded six overdrafts within a twelve month period.

50 points

OREO Policy

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

150 points

Employee Account Review - Internal Control Review

Used as an internal control, this review checklist can be used to document monitoring of employee / insider accounts.

50 points

New Vendor Business Case Template

This template is to be used when looking at a new vendor and allows you to thoroughly analyze the vendor.

150 points

Vendor Contract Review List

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

150 points

PC Configuration Check list for small banks

Basic configuration standards to check off and keep for examiners in how you set up all new pc's in your network.

25 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Credit Memo

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

250 points

Jan 31

42 purchases

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

ACH Annual Audit Guideline, Worksheet and Report to Board

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

300 points

Audit Plan and Internal Control List

The Internal Control List is 28 pages long and tne audit plan is 13 pages.

350 points

FFIEC Online Training Guidance for COMMERCIAL Banking Clients

FFIEC Guidelines require continuing eduction of the customer. I have modified and expanding on online eduction expressly for commercial account expectations. The Guidelines distinguish between consumer and commerical accounts. The material I have seen so far concentrates on consumer transactions.

100 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

BSA Officer Job Description

BSA Officer Job Description was written by myself (VP, BSA Officer) with 10 years experience.

50 points

RDC - Sample Risk Assessment

Sample Risk Assessment for RDC

100 points

Appraisal Policy

This Appraisal Policy is four pages long and is an addendum to the Bank's Loan Policy. It was written by the Senior Asset Manager and incorporates the 12/2/10 Interagency Guidelines. The Appraisal Policy has been reviewed by FDIC examiners.

150 points

Appraisal Policy-Dodd-Frank Act

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

200 points

PC Configuration Check list for small banks

Basic configuration standards to check off and keep for examiners in how you set up all new pc's in your network.

25 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

ACH RECEIVING Risk Assessment

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.

300 points

ACH Origination Risk ASsessment

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.

600 points

Change Management Policy

Auditor rquested we have a written policy on how we make changes to our IT systems.

200 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

ADA Policy

Disability Accommodation Bank is committed to complying fully with the Americans with Disabilities Act (ADA) and ensuring equal opportunity in employment for qualified persons with disabilities. All employment practices and activities are conducted on a non-discriminatory basis. Hiring procedures have been reviewed

150 points

Written Plan to Reduce Adversely Classified Assets

This written plan to reduce adversely classified assets projects the reduction in classifications based on the prior quarter reduction, with seasonal adjustments.

150 points

Red Flags Policy, Procedures and Risk Assessment

Red Flags Policy, Procedures and Risk Assessment

1000 points

Vendor Management Tracking

Use this to list all of your vendor information and track your vendor review projects step by step to completion.

200 points

Information Security Quiz

A quiz given to new employees on Information Security, Internet and Security.

50 points

Impaired Loan Report

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.

100 points

Foreclosure Policies & Procedures

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.

750 points

E-banking risk assessment

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

200 points

Foreclosure Policies & Procedures

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.

750 points

Fair Lending Risk Matrix

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

100 points

Risk Management Policy

The management of risk has always been an important responsibility of the board of directors and management of financial institutions. However, the past several years have brought the following: increasingly sophisticated financial instruments and products introduced in the marketplace, the proliferation of competition from non-traditional sources (i.e., brokerage firms, credit unions, insurance companies, etc.), III. RISK IDENTIFICATION Another key element of a successful risk management program is risk identification. If the bank is faced with serious risks that are unidentified, then no program can be developed to control these risks. The end result could be catastrophic.

350 points

Appraisal Review

Simple Appraisal Review Form

50 points

Remote Deposit Capture Policy

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

150 points

Employee Account Review - Internal Control Review

Used as an internal control, this review checklist can be used to document monitoring of employee / insider accounts.

50 points

ATM/Debit Card limit increase policy language

This is an excerpt from an ATM/Debit Card policy that addresses the need for occassional debit card limit increases, who is authorized to approve these increases, procedures for monitoring, time that limit can be raised and the max limit.

50 points

ACH Risk Assessment

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

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Document Imaging Audit purpose and scope

This Document Imaging audit purpose and scope were written by our Internal Auditor.

100 points

Home Mortgage Disclosure Act HMDA Policy

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.

100 points

Real Estate Evaluation Review Checklist

Checklist to be used by loan review or appraisal review staff to make sure the evaluation contains everything needed by regulation. In our shop the evaluation comes in electronically, the appraisal reviewer completes the checklist and scans and emails to the lender who makes this a part of the file. Completing it is very fast.

15 points

REAL ESTATE EVALUATION FORM (In-House)

This is a complete detailed "in-house" evaluation form that is in compliance with the new appraisal guidelines that have been recently published. This can be used with any new loan, renewal or extension that does not require an appraisal.

300 points

Unfair, Deceptive and Abusive Acts and Practices Policy

It is the policy of the Bank to comply with all Unfair or Deceptive Acts or Practices, which includes Regulation AA (12 CFR 227), Section 5 of the Federal Trade Commission Act (“FTC Act”) Federal Trade Commission’s 1976 rule concerning the Preservation of Consumer’s Claims and Defenses (16 CFR part 433), and the Fair Debt Collection Practices Act (“FDCPA”) and to avoid the unfair or deceptive practices described within.

300 points

Social Media Policy

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.

100 points

Commercial Real Estate Loan Risk Rating Matrix

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.

400 points

Compliance Risk Assessment Profile - OCC

This Compliance Risk Assessment Matrix (Excel) follows the OCC Community Bank Supervision Handbook (Appendix B) and includes risk assessments for: BSA/AML/OFAC, Fair Lending, Consumer Lending & Deposit Operations, Privacy/FCRA/Marketing. The OCC assesses the quantity of risk, quality of risk management, aggregate level of risk, and the direction of risk for each risk category. Each tab represents the categories and is scored on a low/medium/high. The results at the top of each tab automatically populate in the first summary tab to give an overview of risk. There is also a column for additional comments to explain the determination of each score.

250 points

Loan Review Analysis

This Loan Review Analysis is a great starting point tool.

50 points

New/Discontinue Product-Service, Infrastructure Evaluation Packet

New/Discontinue Product, Infrastructure Evaluation Packet. This contains the following documents: 1) New Product or Service Evaluation 2) Discontinuation of Product or Service Evaluation 3) Infrastruture Evaluation 4) Risk Assessment Worksheet 5) Project/Task Worksheet Template

400 points

Jan 30

49 purchases

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

SAFE Act Audit Work Paper

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.

100 points

Vendor Management Program

This Vendor Management Program provides a comprehensive framework for vendor risk management, including vendor risk assessments, vendor selection, and ongoing vendor monitoring.

200 points

Wire transfer Policy

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

250 points

Employee Guide to Information Security and Systems Access Acceptable Use Policy

Very extensive Systems Acceptable Use policy for all new employees. Covers Identity Theft, Social Engineering, Privacy and Systems Responsible Use, as well as access to services.

400 points

BSA Test with Answer Sheet

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

25 points

Vendor Mgmt - Risk Evaluation-Due Diligence Manual

Here is our Vendor Management Policy / Manual - which includes the due diligence template for new vendor management projects. This policy/manual has grown significantly over the years, and the due diligence is quite extensive. We had completed an FDIC exam this year and updated this with comments from FDIC and internal auditors - everything has been updated/revised and approved by our board of directors.

250 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

BSA - CDD and EDD forms for New Business Accounts

This document contains 2 separate fillable forms with instructions. The customer Due Diligence from (CDD)does the initial risk assessment for all new business accounts, while the Enhanced Due Diligence form (EDD) provides fields for additional review for accounts reated high risk.

250 points

Sample Social Media Policy

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

FREE

Management Succession Plan

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

500 points

Security Procedures

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...

300 points

ACH Annual Customer Audit and Training

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.

200 points

BSA / AML annual board of directors training

BSA / AML power point board of directors annual training. This has been passed around from several banks and each bank has tweak the material as necessary to fit into their BSA program. This has been reviewed and approved by our current internal auditors during our annual review, Federal Reserve Bank of Boston and the Ma State Division of Banking.

100 points

BSA Test with Answer Sheet

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

25 points

Core Processing Request for Proposal

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

500 points

EDP/IT Plan

Sample IT EDP Plan

100 points

ACH Annual Originator Review Procedures and form

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

100 points

Capital Plan Policy

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

500 points

Unlawful Internet Gambling Enforcement Act Policy

Reg GG Unlawful Internet Gambling Enforcement Act\Unlawful Internet Gambling Enforcement Act Policy with Exhibits and Appendixes

250 points

Third Party Relationship Vendor Confidentiality Agreement

This Confidentiality Agreement (“Agreement”) is effective as of and is made by and between ABC Bank (“Bank”) and (“Vendor”). Recitals Pursuant to the Gramm-Leach-Bliley Act (“GLBA”), Bank is required to enter into contractual relationships with all “nonaffiliated third parties” (as such term is defined in the GLBA) who perform services for Bank or perform a function on behalf of Bank pursuant to which the third party is prohibited from using or disclosing nonpublic personal information other than to carry out the services or functions being performed for or on behalf of Bank. Bank and Vendor each desires to comply with the terms and conditions of GLBA. Vendor will, from time to time acquire access to nonpublic personal information of Bank’s past, future or potential Customers (including a “consumer” as such term is defined in the GLBA), and desires to comply with the provisions of the GLBA as it re

50 points

Overdraft Protection Counseling Form

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.

50 points

Robbery Procedures and Techniques

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

175 points

Overdraft excessive use sample letter

This letter is a sample letter to notify a customer that they have exceeded six overdrafts within a twelve month period.

50 points

Security Procedures

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...

300 points

Chexsystems Denial Form

This is a simple denial form based on Chexsystems information for transaction accounts.

50 points

Mobile Banking Risk Assessment

Mobile Banking Risk Assessment

600 points

Mobile Banking Risk Assessment

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

500 points

Mobile Banking FAQ

Mobile Banking Frequently Asked Questions (FAQ) Word .doc can be used on your website or as employee training.

100 points

Mobile Banking Agreement

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

200 points

BSA/AML Policy

This includes the BSA/AML Policy and the BSA Risk Assessment is attached as Exhibit A.

250 points

Flood Insurance Policy

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

100 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

E-banking risk assessment

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

200 points

BSA, AML, CIP, OFAC POLICY & PROCEDURES

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.

500 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Wire Transfer Agreement

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.

400 points

Policy and Procedure - Suspicious Banking Activity

POLICY It is Your Banks policy to identify in a timely manner any accounts that may be conducting suspicious banking activity. If detected the account relationship should be terminated in order to prevent loss to the bank. Fraud detective software’s have been implemented to assist in the detection of suspicious banking activity.

100 points

Pandemic Influenza Policy

Pandemic Influenza Policy and Procedures - Board approved

500 points

Risk Assessment Checklist/Guideline

Fraud attempts, Identity Theft, Compromised accounts and relevant “Red Flags” reported will be handled by the Risk Management Department in the following manner. For any additional information pertaining to fraud alerts, ID Theft, and compromised accounts, refer to the ID Theft Red Flag Program for a complete list of Red Flags & the ID Theft Response list. 1. Determine what types of affected account(s) are involved. • If a loan is involved, refer via e-mail to the loan servicing manager. • If a credit card is involved, refer via e-mail to the credit services manager. • If a savings and/or an transaction account(s) is involved complete the following:

100 points

Commercial Appraisal Checklist

This is an Excel spreadsheet complete with drop down menus for responses as you review a commercial appraisal.

200 points

RESPA GFE Changed Circumstances Form

This form is used to document changed circumstances which require a new GFE to be issued. In our last exam, the examiners specifically asked how we document changed circumstances. Therefore, we created this checklist / worksheet. It can be completed on the computer or printed and filled out manually.

50 points

Remote Deposit Capture Policy & Risk Assesment

Included in this one document are: (1) risk assessment matrix (2) matrix summary and (3) RCD policy. We are a FDIC regulated bank in the state of Ohio. The name of our product is “Xpress Deposit for Busness (XDfB). I did not change the name in the document. The matrix is 4 pages. The matrix summary is 7 pages. The policy is 2 pages. This document includes the banks information. I thought it would be better if you could follow our thought process.

200 points

Vendor Risk Assessment

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

100 points

New Products and Services Policy

Simple New Products and Services Policy. Designed to address specific comments from OCC in September 2011.

250 points

Mortgage Quality Control Policy

The system also assures prompt and effective corrective measures are taken by the Company when deficiencies in the loan origination or servicing process are identified. Where a pattern of deficiencies or fraud is found, the scope of the review is expanded as warranted including an increase in the number of files reviewed as well as a more in-depth review. The following are the overriding goals of Quality Control: • To assure compliance with agency and internal origination requirements • Protect investors from unacceptable risk • Guard against errors, omissions, and fraud • Assure swift and appropriate corrective action

100 points

ACH Origination Agreement

This updated ACH Agreement incorporates recent rules changes, including authorization requirements, IAT processing, right to audit, etc.

200 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Jan 28

5 purchases

Vendor Management Program

This Vendor Management Program provides a comprehensive framework for vendor risk management, including vendor risk assessments, vendor selection, and ongoing vendor monitoring.

200 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

FFIEC Online Training Guidance for COMMERCIAL Banking Clients

FFIEC Guidelines require continuing eduction of the customer. I have modified and expanding on online eduction expressly for commercial account expectations. The Guidelines distinguish between consumer and commerical accounts. The material I have seen so far concentrates on consumer transactions.

100 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

HMDA training

This HMDA Powerpoint was created as a training tool for Loan Officers. It give a overview of how and why HMDA was created and explains each of the codes. It was created so that the officers would understand why they were choosing a certain code. I have over 7 years worth of HMDA experience.

200 points

Jan 27

47 purchases

Foreclosure Policies & Procedures

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.

750 points

Internal Audit Charter

Our bank - back in the good old TQM days when internal audit & management were still defining their relationship and there was some tension between individuals - developed this audit charter over several meeting that included audit staff, management, and board members. We borrowed from many sources and created sections of our own. Over the years we have made a few tweaks and at the time of SOX added a large “Audit Committee” section. This policy has been through many OCC exams. It took us way more than 10 hours, but this is our first posting…

500 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Pandemic Plan

This pandemic plan is more detailed to New Jersey due to our location, but it has passed 2 internal audits and the FDIC exam I just finished with no problems. It defines the swine and avian flu's, inpact of pandemic in New Jersey, offices of local health in New Jersey, classifying employee exposure Mariner's policies the committee and the program and the Bank's strategy.

100 points

Marketing Plan

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.

250 points

Affirmative Action Plan

This document was written by our HR Director and has passed all FDIC exams.

150 points

FACTA PROCEDURES INCLUDING SECTION 312 - ACCURACY & INTEGRITY

FACT Act Procedures including compliance with Section 312 - Accuracy & Integrity

250 points

Wire Transfer Policy

Peoples Bank policy is to ensure consistent Wire Transfer procedures throughout the bank and ensure the following objectives: • Maximize customer convenience and service • Maximize employee efficiency • Minimize risks • Minimize processing costs

150 points

SAFE Act Policy & Procedures

Standard SAFE Act Policy & Procedures tweaked for a Community Bank

100 points

Sample Social Media Policy

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

FREE

RDC - Customer Site Visit Checklist

Checklist for onsite RDC customer site visit

100 points

ACH Annual Originator Review Procedures and form

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

100 points

BSA Activity Report

If you report BSA information to a Board of Directors or a BSA Committee, this template could be used to report your BSA activity for the particular review period (we report every other month). It contains various fields that can be updated each report such as SAR information, # of CTRs reported, and a description of high-risk customers. The BSA examiners and auditors find it very useful, and it shows Board and management oversight of the bank's BSA program.

100 points

Fair Lending Policy

This is a 5-page Board-approved Fair Lending Policy that includes the following sections: Purpose, Policy Statement, Practices & Procedures to Comply (credit application, underwriting, monitoring, third parties, marketing, employee training, and customer complaints), and Compliance Responsibility.

150 points

New RDC Customer Risk Assessment

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.

150 points

Sample Social Media Policy

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

FREE

IT Risk Assessment & Information Security Risk Assessment

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.

500 points

SAR Investigation Report

This form is used to document information to assist in determining if a SAR needs to be filed or not. It includes a decision making section to indicate if a SAR was filed and if not, why a SAR was not filed.

100 points

ADA/ ATM Policy

The Department of Justice (the Department) has amended its regulation implementing title II and title III of the Americans with Disabilities Act (ADA), which applies to public accommodations and commercial facilities. The ADA design standards are consistent with the guidelines published by the U.S. Architectural and Transportation Barriers Compliance Board (Access Board). The Title II and III rules adopt new Standards for Accessible Design that are consistent with the ADA/ABA Accessibility Guidelines developed by the Access Board. The final rule also amends the existing title II and III regulations to make it consistent with current policies and published guidance, to reflect the Department's experience since the regulation was first published in 1991. These revisions take effect on March 15, 2011.

50 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

RDC - Sample Risk Assessment

Sample Risk Assessment for RDC

100 points

Interest Rate Risk Policy

This includes IRR, Asset Liability Management and Funding

250 points

ASSET–LIABILITY AND FUNDS MANAGEMENT POLICY

This document is a detailed policy for managing the assets and liabilities of the bank working within regulatory guidelines and committee policies. Great for management who need detialed guidelines in one policy.

400 points

New RDC Customer Checklist

This checklist can be used to document that all training and setup requirements for new remote deposit customers were met. See the "New RDC Customer Risk Assessment" if you also need a due diligence/risk assessment worksheet.

50 points

Review of Notices of Action Taken

This excel spreadsheet can be used to sort different components of your Notices of Action Taken as part of your Fair Lending Review.

200 points

BIA Template

After struggling mightily with how to streamline the buildout of the BIA section of our business continuity process, we developed this template internally, disseminated it globally and it saved us immense quantities of time during this challenging process! (2 pages)

100 points

Audit Plan and Internal Control List

The Internal Control List is 28 pages long and tne audit plan is 13 pages.

350 points

FFIEC Online Training Guidance for COMMERCIAL Banking Clients

FFIEC Guidelines require continuing eduction of the customer. I have modified and expanding on online eduction expressly for commercial account expectations. The Guidelines distinguish between consumer and commerical accounts. The material I have seen so far concentrates on consumer transactions.

100 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Check Cashing Policy

This is a very to-the-point policy specifying requirements for check cashing.

250 points

Interest Rate Risk Policy

This includes IRR, Asset Liability Management and Funding

250 points

ACH Risk Policy and Procedures

This 11 page Word ACH Risk Policy and Procedures is all-inclusive, ready to use as is by inserting your bank's name and obtaining your bank board approval. Includes Internal ACH Risk Memorandum for documentation of ACH risk assessment to customer file. ACH Risk Policy and Procedures outlines purpose, definitions, risk to bank, internal audit requirements; ACH Risk Policy Guidelines for existing/new,loan/deposit only customers; Requirements and responsibilities for all accounts; Credit approval process, documentation required; procedures for processing documents and termination of services. Points fee does not reflect number of hours spent in order to make available.

500 points

ACH Risk Assessment

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

Web Page Policy

Purpose The purpose of this policy is to define INSERT BANK NAME HERE’s intended objectives of the INSERT BANK NAME HERE public website. INSERT BANK NAME HERE has developed and operates the following secured website, INSERT WEB LINK, with the following objectives: ? To provide general information about INSERT BANK NAME HERE and the services the Bank provides. Responsibilities It is the responsibility of all INSERT BANK NAME HERE employees to utilize and be familiar with

150 points

Cash Management Risk Assessment

Comprehensive risk assessment for cash management customers. Able to risk rate based on products, volume, limits. Check boxes for required documentation included.

400 points

E-banking risk assessment

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

200 points

Internal Audit Risk Assessment and Schedule

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

500 points

Record Retention Schedule

A useable record retention schedule.

50 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Reg E Error Resolution

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

100 points

Dodd-Frank Training

This is a power point presentation I prepared when Dodd-Frank was first implemented. It is a high-level overview of all of the titles.

300 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

ATM Dual Control Policy

This is a straight-forward listing of responsibilities, expectations and steps for carrying out dual control when working with the ATM.

100 points

ADA/ ATM Policy

The Department of Justice (the Department) has amended its regulation implementing title II and title III of the Americans with Disabilities Act (ADA), which applies to public accommodations and commercial facilities. The ADA design standards are consistent with the guidelines published by the U.S. Architectural and Transportation Barriers Compliance Board (Access Board). The Title II and III rules adopt new Standards for Accessible Design that are consistent with the ADA/ABA Accessibility Guidelines developed by the Access Board. The final rule also amends the existing title II and III regulations to make it consistent with current policies and published guidance, to reflect the Department's experience since the regulation was first published in 1991. These revisions take effect on March 15, 2011.

50 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

EDP/IT Plan

Sample IT EDP Plan

100 points

Jan 26

44 purchases

Foreclosure Policies & Procedures

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.

750 points

OREO/REPO Recap Sheet

This OREO/REPO Recap Sheet is placed in all our OREO/REPO files. Examiners have found it to be very useful. It contains current information that is relevant to the disposition of the property (i.e., if it is leased or sold, the current value and appraisal date, listing price and date, listing agent contact info, date title was received, tenant contact info (if applicable), a summary of write-down activity, attorney contact info).

50 points

Online Banking Policy

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

400 points

Incident Response Plan

This document discusses the steps taken during an incident response plan. This is a working document that has been used in past regulatory exams. I also add mention of the document in the overall Information Security Program.

150 points

Fair Lending Risk Assessment

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

250 points

Remote Deposit Capture Policy

This remote deposit capture policy is part of our overall Loan Policy. It includes exposure risk, calculating total credit exposure, underwriting, an approval matrix, and an approval and authorization matrix.

500 points

ERM Policy

Enterprise Risk Management policy that outlines the bank's overall governing framework, responsibilities of the board and key management, identifies and defines the ERM risk categories, and outlines the requirement for a ERM validation program. Written by the bank's chief audit officer with 20 years experience in banking.

750 points

Template ACH Risk Assessment

This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.

100 points

RDC - Sample Risk Assessment

Sample Risk Assessment for RDC

100 points

Business New Account Checklist

MANDATORY DOCUMENTS TO BE COLLECTED AT ACCOUNT OPENING DO YOU USE MERCHANT PROCESSING? __YES __NO SOLE PROPRIETOR ** A sole proprietor has only one owner; any other agents to sign the signature card are only authorized signers, unless it is a husband and wife. __ Fictitious Business Name Statement (if customer’s surname is not in the business title)

50 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Fair Lending Risk Assessment

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

250 points

RDC - Customer Site Visit Checklist

Checklist for onsite RDC customer site visit

100 points

New/Discontinue Product-Service, Infrastructure Evaluation Packet

New/Discontinue Product, Infrastructure Evaluation Packet. This contains the following documents: 1) New Product or Service Evaluation 2) Discontinuation of Product or Service Evaluation 3) Infrastruture Evaluation 4) Risk Assessment Worksheet 5) Project/Task Worksheet Template

400 points

Self Monitoring/Testing Recap Sheet

This is used to provide a summary of a self monitoring/testing exercise to the Audit Committee. It provides a general overview section, identification of results and violations section and a comment section for what actions are being taken by management to correct issues found. In addition, a SUMMARY box identifies what was a regulatory violation, and bank policy/procedure violation or a enhancement/best practice recommendation. This document was well received by auditors and regulators for reporting results to the Audit Committee.

100 points

Enterprise Compliance Risk Assessment

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

300 points

Safe Deposit Box Procedures

This document outlines normal and force open/non witnessed safe deposit visit procedures.

50 points

Unlawful Internet Gambling Policy (Reg GG)

This policy meets the requirements of Reg GG, regarding Unlawful Internt Gambling, and is appropriate for small to mid-sized community banks.

150 points

Flood Coverage Worksheet - Interactive

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

100 points

Template ACH Risk Assessment

This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.

100 points

UDAAP Policy

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

200 points

Customer Due Diligence Program/Part of BSA

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.

200 points

Information Technology Policy

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.

450 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Wire Transfer Policy

The purpose of this document is to establish in writing the requirements to be followed in the administration of the wire transfer and other funds transfer activities. It includes details for security procedures, processes and document retention. It also includes samples of wire transfer forms (international and domestic), a wire transfer agreement and a sample wire transfer approval limit form.

750 points

MSB Risk Assessment

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.

1000 points

Audit Plan and Internal Control List

The Internal Control List is 28 pages long and tne audit plan is 13 pages.

350 points

Online Business Client Awareness Training

This PowerPoint presentation was designed to help our online business clients understand the risks, liabilities, and mitigation considerations for online banking, and to help meet the letter and spirit of the recent FFIEC Supplement to Authentication in an Internet Banking Environmment. Many hours went into identifying appropriate content to meet these objectives and arranging in a coherent flow, as well as locating relevant reference resources. It has been presented to Account Relationship Managers (dress rehearsal) and all business subscribers subscribers in four WebEx sessions, with good feedback, which was then incorporated to improve the presentation for the next session. This document includes input from counsel, but has not yet been audited or examined. I wish it had been available before i had to build it!

800 points

Teller Policy and Procedures

Teller Operating Policy and Procedures is 21 pages long. It was written to give clear and percise guidance to tellers regarding acceptable practices. This document has also served as a tool for measuring performance. Great for tellers that are new to the field.

400 points

Impaired Loan Report

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.

100 points

Computer Skills Assesment

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.

50 points

ACH Annual Audit Guideline, Worksheet and Report to Board

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

300 points

Appraisal Engagement Letter

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

100 points

Teller Cash Procedures

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

50 points

Unfair, Deceptive and Abusive Acts and Practices Policy

It is the policy of the Bank to comply with all Unfair or Deceptive Acts or Practices, which includes Regulation AA (12 CFR 227), Section 5 of the Federal Trade Commission Act (“FTC Act”) Federal Trade Commission’s 1976 rule concerning the Preservation of Consumer’s Claims and Defenses (16 CFR part 433), and the Fair Debt Collection Practices Act (“FDCPA”) and to avoid the unfair or deceptive practices described within.

300 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Complaint Resolution Policy

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

150 points

Remote Deposit Capture Policy

This is the policy that was created by Liberty Bank that has been approved by our Board of Directors and reviewed by our external compliance auditors. This establishes the way our overall program is managed, our audit/review responsibilities, the risks, acceptable and unacceptable risks the bank will allow, etc.

500 points

Remote Deposit and Branch Capture Risk Assessment

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

750 points

UDAAP Policy

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

200 points

Vendor Review Checklists

This is a very thorough checklist to help you document your review of vendor contracts and, when applicable, vendors' control environments. This is set up so you can enter your comments for the areas you need to review and keep track of changes from year to year. You can also add to this with other items that you like to look for.

250 points

Dormant/Inactive Policy

Policy addressing internal controls and monitoring of Dormant and Inactive Accounts and Official Checks.

500 points

Annual Vendor Review Worksheet

Form to be used to document the performance of annual vendor reviews for Vendor Management.

250 points

EDP/IT Plan

Sample IT EDP Plan

100 points

Jan 25

44 purchases

Audit Plan and Internal Control List

The Internal Control List is 28 pages long and tne audit plan is 13 pages.

350 points

Advertising-Marketing Compliance Checklist

Checklist that addresses Advertising-Marketing Compliance. Cover sheet that is supported by a seperate excel tab/worksheet for general, deposit and lending advertising.

200 points

Risk Rating Customers Policy and Procedures

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.

100 points

Branch Closing Policy

Easy to understand and comply with Branch Closing policy that has met regulotory scrutiny.

100 points

Branch Closing policy

This is a basic branch closing policy which is board approved and has passed numerous exams.

250 points

Branch Closing Policy

Quick two page policy on steps to take before closing a branch office

100 points

Information Security Risk Assessment

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

500 points

BSA, AML, CIP, OFAC POLICY & PROCEDURES

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.

500 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Investment Policy

Would be a good policy if yours banks focus is on investments

100 points

Vendor Due Diligence Review Form

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.

150 points

REGULATION O ANALYSIS

This Reg O checklist is used for compliance purposes for Regulation O loans to ensure compliance. This was blessed by an FDIC examiner, and they love the form.

150 points

OREO Policy

OREO Policy

400 points

Social Media Policy

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!

100 points

SAFE Act MLO Registration Audit

This audit program was created as a guide to test compliance with the MLO Registration Requirements of the SAFE Act.

100 points

Vendor Due Diligence Review Form

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.

150 points

Regulatory Compliance Calendar

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).

150 points

Risk Assessment Form

Our Bank utilizes a Risk Assessment Form whenever a decision is made to develop or revise a product, service, or technology program. It has been recently utilized for mobile banking development and a new HELOC product. It contains form fields for descriptions of review areas (such as description and need, features and benefits, target group, revenue impact, marketing analysis, etc.). It also has fields for the different areas of risk (such as compliance, credit, insurance, legal, etc.). The form has an overall rating analysis, in addition to a 90-day follow-up review section. A completed Risk Assessment Form can be sent upon request.

150 points

Vendor Mgmt - Risk Evaluation-Due Diligence Manual

Here is our Vendor Management Policy / Manual - which includes the due diligence template for new vendor management projects. This policy/manual has grown significantly over the years, and the due diligence is quite extensive. We had completed an FDIC exam this year and updated this with comments from FDIC and internal auditors - everything has been updated/revised and approved by our board of directors.

250 points

Mobile Device Policy

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

200 points

Estatement Consent and Agreement

This is our Electronic Delivery of Bank Statements Consent and Agreement form. The form contains sections on customer consent, requirements, privacy, service availability, security, limit of liability, notices, arbitration, governing laws, etc. The customer receives an email notice stating their estatment is available, then they log into internet banking to view/download their estatement. This has been approved by the FDIC.

150 points

Dress Code Policy

Dress code policy that covers personal appearance, inappropriate apparel and allowable clothing for 3 levels in banking.

200 points

Commercial Loan Risk Rating Matrix

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

400 points

Risk Rating Matrix

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

200 points

REGULATION O ANALYSIS

This Reg O checklist is used for compliance purposes for Regulation O loans to ensure compliance. This was blessed by an FDIC examiner, and they love the form.

150 points

Lost Instrument indemnity agreement

Indemnity for lost instument used of claims on lost bank issued cashier's checks, money orders or expense checks.

50 points

The Case for Stress Testing at Community Banks

The paper was drafted with considerable input and influence from a variety of people involved in financial services regulation and policy. While their collective contributions were many, they may or may not agree with all the conclusions and have no responsibility for any errors or emissions. These individuals include: Joseph A. Smith, Jr., Commissioner, North Carolina Office of Commissioner of Banks William S. Haraf, Commissioner, California Department of Financial Institutions Jeffrey C. Vogel, Commissioner, Wyoming Division of Banking James M. Cooper, Deputy Director, Indiana Department of Financial Institutions Timothy W. Koch, Professor, Moore School of Business, University of South Carolina & President, Graduate School of Banking at Colorado Scott Hein, Professor, Rawls College of Business, Texas Tech University Brad Olson, President, Olson Research Associates John W. Ryan, Executive Vice President, Conference of State Bank Supervisors Jeffrey Allen, Regulatory Policy Analyst, C

50 points

Compliance Risk Assessment Matrix

This risk assessment allows each reg to be assigned a risk score based upon objective criteria and then feeds the scores back into a summary sheet.

500 points

Small Bank Stress Test

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

250 points

Risk Assessment Profile - OCC

This Risk Assessment / Profile Summary Matrix follows the OCC Community Bank Supervision Handbook (Appendix A) and includes the 8 defined eight risk categories for bank supervision purposes: Credit, Interest Rate, Liquidity, Price, Operational, Compliance, Strategic, and Reputation. 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 8 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.

200 points

Loan Quality Rating System

Examiners love rating systems

150 points

Commercial Loan Grade Scale

Commercial loan grades with definitions (scale from 1-9)

150 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Reg E Error Resolution

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

100 points

Foreclosure Self-Assessment

This Foreclosure Self-Assessment is the Foreclosure Self-Assessment developed specifically for our bank. It is geared towards banks in judicial foreclosure states. It is more of a sample than a form and will need to be updated with specific information about the Bank's foreclosures that are included in the sample.

1000 points

Reg CC Hold Flow Chart

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

50 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

SAFE Act Audit Work Paper

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.

100 points

Mobile Banking Risk Assessment

Mobile Banking Risk Assessment

600 points

Chief Operating Officer Job Description

Job description for Chief Operating Officer of small community bank ($160 million).

100 points

E-banking risk assessment

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

200 points

Job descriptions (CEO, CFO, CAO, CLO)

Job descriptions for CEO, CFO, CAO, CLO

250 points

ACH Annual Originator Review Procedures and form

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

100 points

Jan 24

27 purchases

Fair Lending Risk Assessment

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

250 points

Fair Lending Risk Assessment

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

250 points

Garnishment of Federal Payment Calculation Worksheet

This worksheet will calculate the look-back period, the protected amount, and the amount to allowed ot be garnished for garnishments received on accounts for federal benefit recipients. The information in the worksheet can be used to complete the required notice to the customer. Some purchasers have noted that after download, the formulas are not working properly. It appears something happens to the cell references during download in certain versions of Excel. To fix, unprotect the document, and check the cell references in the formulas. There is also a 2nd worksheet referenced in a couple of the formulas. To access that sheet, unhide the sheet 2 tab.

150 points

Disaster Recovery and Contingency Plan

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

400 points

Foreclosure Policies & Procedures

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.

750 points

FCRA Adverse Action Notice for Deposit Accounts

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.

100 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

Foreclosure Policies & Procedures

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.

750 points

Risk Assessment Profile - OCC

This Risk Assessment / Profile Summary Matrix follows the OCC Community Bank Supervision Handbook (Appendix A) and includes the 8 defined eight risk categories for bank supervision purposes: Credit, Interest Rate, Liquidity, Price, Operational, Compliance, Strategic, and Reputation. 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 8 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.

200 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Appraisal Engagement Letter

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

100 points

New Consumer Account Worksheet

This is the New Consumer Account worksheet that we use to complete CIP on all new relationships. We also use this to update any information on the CIP for an existing customer. This document has received must appreciation by examiners.

500 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

FACTA PROCEDURES INCLUDING SECTION 312 - ACCURACY & INTEGRITY

FACT Act Procedures including compliance with Section 312 - Accuracy & Integrity

250 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Security Policy

Physical/building security policy, 7 pages long. Written by CEO and Assistant Cashier/Security Officer. Approved at many exams. Reviewed annually by board of directors.

500 points

BSA Test with Answer Sheet

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

25 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

Vendor Risk Assessment

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

100 points

E-banking risk assessment

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

200 points

Vendor Management Program

This Vendor Management Program provides a comprehensive framework for vendor risk management, including vendor risk assessments, vendor selection, and ongoing vendor monitoring.

200 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Consumer Complaint Response Form

Response form used to document when a Consumer Compliance Complaint is received.

50 points

Flood Premium Past Due Notification Letter

This is a customer notification letter regarding flood insurance coverage past due.

50 points

Internal Audit Policy

Policy for internal auditor. Has been through examinations

200 points

Audit Policy

This is a one page audit policy. It was written by the compliance officer.

100 points

Jan 23

59 purchases

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

E-banking risk assessment

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

200 points

RDC Audit Work Program (Merchant Capture)

Based on the recently updated FFIEC's Retail Payment Systems Booklet and the regulatory risk management guidance, this Audit for Merchant Capture touches on all of the critical areas: Controls, Operations, Agreements, Policies, etc.

450 points

E-banking risk assessment

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

200 points

SAFE Act Audit Work Paper

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.

100 points

S.A.F.E. Act Audit

This is an audit program for compliance with the S.A.F.E. Act. Program addresses the following areas: 1. Policies and Procedures 2. Bank Registration 3. Identification of MLOs 4. Registration of MLOs 5. Unique Identifier - When provided 6. Training

200 points

FFIEC Online Training Guidance for COMMERCIAL Banking Clients

FFIEC Guidelines require continuing eduction of the customer. I have modified and expanding on online eduction expressly for commercial account expectations. The Guidelines distinguish between consumer and commerical accounts. The material I have seen so far concentrates on consumer transactions.

100 points

E-banking risk assessment

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

200 points

Foreclosure Policies & Procedures

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.

750 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Chief Operating Officer Job Description

Job description for Chief Operating Officer of small community bank ($160 million).

100 points

E-banking risk assessment

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

200 points

Capital Plan Policy

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

500 points

Wire Transfer Policy

The purpose of this document is to establish in writing the requirements to be followed in the administration of the wire transfer and other funds transfer activities. It includes details for security procedures, processes and document retention. It also includes samples of wire transfer forms (international and domestic), a wire transfer agreement and a sample wire transfer approval limit form.

750 points

Wire Policy (VP-Controller)

Wire policy which include authorization levels.

100 points

Foreclosure Self-Assessment

This Foreclosure Self-Assessment is the Foreclosure Self-Assessment developed specifically for our bank. It is geared towards banks in judicial foreclosure states. It is more of a sample than a form and will need to be updated with specific information about the Bank's foreclosures that are included in the sample.

1000 points

BSA / AML annual board of directors training

BSA / AML power point board of directors annual training. This has been passed around from several banks and each bank has tweak the material as necessary to fit into their BSA program. This has been reviewed and approved by our current internal auditors during our annual review, Federal Reserve Bank of Boston and the Ma State Division of Banking.

100 points

Mobile Banking Risk Assessment

Mobile Banking Risk Assessment

600 points

Complaint Resolution Policy

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

150 points

ACH Risk Assessment

This assessment was written by our compliance committee and ACH personnel. It includes threats, risk ratings and controls.

150 points

SCRA policy and Notice

Written before our last FDIC compliance exam no problems during exam

250 points

Customer Complaint Policy

Customer Complaint Management Policy

200 points

Small Bank Stress Test

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

250 points

Social Media Policy

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!

100 points

Wire transfer agreement

Wire transfer agreement used in conjunction with Telephone/Fax/email/Internet banking wire transfer request authorization form.

100 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Fixed Asset Policy

This policy establishes guidelines for fixed assets as it relates to purchases, maintenance of records, replacements, sales, trade-ins as well as depreciation of assets acquired by bank. The objectives of this policy are for the bank to: • Acquisitions, transfers and disposals are properly authorized • Manage the Fixed Assets Portfolio of the Bank and subsidiaries • Document the depreciation methods used for book and tax purposes • Provide accurate record keeping for inventory safekeeping purposes

150 points

Ecorp Application - Cash Management Enrollment

This application is good for new clients being added to your Cash Management System (Ecorp) or the last page can be used to add new employees, new employee access, new accounts or new features.

100 points

Internal Audit Risk Assessment and Schedule

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

500 points

New RDC Customer Risk Assessment

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.

150 points

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

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

100 points

RDC - Sample Risk Assessment

Sample Risk Assessment for RDC

100 points

Information Security Training

This is a simple document we use for entry level training on Information Security. All employees get this upon hiring. We also use it as annual refresher information for employees.

150 points

Annual Information Security Briefing Power Point Presentation

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

100 points

Annual Information Security Briefing Power Point Presentation

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

100 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Environmental Risk and Liability Policy for Commercial Loans

The Company’s Environmental Risk and Liability Policy is intended to provide a program of reasonable due diligence in order to protect the Company against the potential risks and liabilities that can occur as a result of adverse environmental factors. The Policy establishes guidelines for satisfactory inquiry into the uses of the subject property and for other protective actions as needed to qualify for the “Innocent Landowner” defense.

100 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Online Webinar Purchasing Experience Survey Results

Over 160 cbanc Members recently shared their thoughts and experiences around online Webinar purchase experiences for their institution. Click purchase now to download the survey results for your institution.

350 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

E-banking risk assessment

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

200 points

RDC - Sample Risk Assessment

Sample Risk Assessment for RDC

100 points

Flood Insurance Policy

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

100 points

Counterfeit Currency Procedures

Great step by step process on how to handle counterfeit currency from best practice on how to explain the situation to the customer to filling out the forms.

150 points

E-banking risk assessment

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

200 points

Appraisal Policy-Dodd-Frank Act

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

200 points

BIA Template

After struggling mightily with how to streamline the buildout of the BIA section of our business continuity process, we developed this template internally, disseminated it globally and it saved us immense quantities of time during this challenging process! (2 pages)

100 points

E-Sign Disclosure

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

100 points

SCRA Policy

This SCRA Policy is 4 pages long and addresses the regulations regarding the Servicemembers Civil Relief Act and the Talent Amendment.

150 points

HMDA Procedures

Comprehensive HMDA Procedures developed in conjunction with a Compliance Attorney

500 points

Compliance Risk Assessment Profile - OCC

This Compliance Risk Assessment Matrix (Excel) follows the OCC Community Bank Supervision Handbook (Appendix B) and includes risk assessments for: BSA/AML/OFAC, Fair Lending, Consumer Lending & Deposit Operations, Privacy/FCRA/Marketing. The OCC assesses the quantity of risk, quality of risk management, aggregate level of risk, and the direction of risk for each risk category. Each tab represents the categories and is scored on a low/medium/high. The results at the top of each tab automatically populate in the first summary tab to give an overview of risk. There is also a column for additional comments to explain the determination of each score.

250 points

Vendor Mgmt - Risk Evaluation-Due Diligence Manual

Here is our Vendor Management Policy / Manual - which includes the due diligence template for new vendor management projects. This policy/manual has grown significantly over the years, and the due diligence is quite extensive. We had completed an FDIC exam this year and updated this with comments from FDIC and internal auditors - everything has been updated/revised and approved by our board of directors.

250 points

BSA Procedure for Identifying and Monitoring High Risk Accounts

Covers Identifying, classifying and monitoring accounts for BSA risk assessments

200 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

NFF/OD Refund Policy/Procedure

Policy/Procedure governing refunds of fees.

50 points

FACTA: Section 312 Procedure

Procedures for handling disputes in accordance with section 312 of FACTA.

100 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Jan 22

1 purchases

Asset Liability Management Policy

Asset/Liability Management Policy including Interest Rate Risk Policy, Liquidity Policy and Investment Policy.

200 points

Jan 21

7 purchases

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Security Officer job description

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.

FREE

Sample Social Media Policy

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

FREE

REAL ESTATE EVALUATION FORM (In-House)

This is a complete detailed "in-house" evaluation form that is in compliance with the new appraisal guidelines that have been recently published. This can be used with any new loan, renewal or extension that does not require an appraisal.

300 points

Vendor Management Review template

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

100 points

FFIEC Authentication Risk Assessment / Training Packets / Project Plan

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.

500 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Jan 20

49 purchases

E-banking risk assessment

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

200 points

eStatement Disclosure

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.

250 points

Online Banking Agreement

Online Banking agreement for consumer E-banking.

250 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Fair Lending Policy

This is a 5-page Board-approved Fair Lending Policy that includes the following sections: Purpose, Policy Statement, Practices & Procedures to Comply (credit application, underwriting, monitoring, third parties, marketing, employee training, and customer complaints), and Compliance Responsibility.

150 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Compliance Risk Assessment Matrix

This risk assessment allows each reg to be assigned a risk score based upon objective criteria and then feeds the scores back into a summary sheet.

500 points

IT Risk Assessment

Comprehensive spreasheet allowing for assessment of risk, both before in-place mitigation methods and system, to assist bank personel in analyzing the risk posed to systems and to help ensure that there is enough mitigation in place to minimize or limit the risks posed.

1000 points

Mobile Banking Risk Assessment

Mobile Banking Risk Assessment

600 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Fair Lending Policy

This is a 5-page Board-approved Fair Lending Policy that includes the following sections: Purpose, Policy Statement, Practices & Procedures to Comply (credit application, underwriting, monitoring, third parties, marketing, employee training, and customer complaints), and Compliance Responsibility.

150 points

ATM Balancing Procedures

Four page Word document for both On-Premise AND Off-Premise ATM Balancing Procedures. Also includes additional 2 pages of ATM Cash Tickets.

100 points

Mobile Banking Risk Assessment

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

500 points

Mobile Banking Risk Assessment

Mobile Banking Risk Assessment

600 points

Concentration / ZBA Agreement

This agreement is used for customers wishing to keep a subsidiary account at a zero or predetermined balance. It is also used for customers wishing to "sweep" to a Money Market Account.

100 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Social Media Policy

Social Media Policy that is easy for employees to follow and understand and also establishes checks and balances for HR and Technology Department.

400 points

Sample Social Media Policy

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

FREE

S.A.F.E. Act Audit

This is an audit program for compliance with the S.A.F.E. Act. Program addresses the following areas: 1. Policies and Procedures 2. Bank Registration 3. Identification of MLOs 4. Registration of MLOs 5. Unique Identifier - When provided 6. Training

200 points

SAR procedures & guidelines

This SAR Procedures & Guidelines is 3 pages long. Our Compliance Officer/BSA Officer has written these procedures because our sister bank was required to have them at the last Saftey & Soundness exam. They have been reviewed and accepted by the examiners.

350 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

Sample Social Media Policy

This Social Media Policy was developed to mitigate reputational, security, and legal risk through the use of existing and emerging forms of social media.

250 points

Appraisal Review Sheet

20 Question Appraisal Review Form

50 points

Reg DD Policy - Truth in Savings

This Reg DD policy is 39 pages long. It was written by our Vice President of Deposit Operations. The policy has been reviewed by our auditors and FDIC examiners.

400 points

Reg DD Policy

Reg DD Policy (Truth in Savings)

50 points

Appraisal Policy-Dodd-Frank Act

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

200 points

ATM/Debit Card limit increase policy language

This is an excerpt from an ATM/Debit Card policy that addresses the need for occassional debit card limit increases, who is authorized to approve these increases, procedures for monitoring, time that limit can be raised and the max limit.

50 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Request Letter

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.

100 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

SAFE DEPOSIT BOX POLICY

BASIC POLICY FOR 48M INSTITUTION.

50 points

Branch Audit Packet

This Branch Audit Packet is 14 pages long. It has been reviewed by auditors with no exceptions of December 2011.

250 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Safe Deposit Box Procedures

This document outlines normal and force open/non witnessed safe deposit visit procedures.

50 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Patch Management Policy & Procedures

Our Patch Management Policy is a component of our Information Security Program.

50 points

IT Patches & Updates Policy

A simple and straightforward IT Patches & Updates policy suitable for a smaller bank without a formal IT department.

50 points

Risk Assessment Profile - OCC

This Risk Assessment / Profile Summary Matrix follows the OCC Community Bank Supervision Handbook (Appendix A) and includes the 8 defined eight risk categories for bank supervision purposes: Credit, Interest Rate, Liquidity, Price, Operational, Compliance, Strategic, and Reputation. 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 8 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.

200 points

Reg DD Policy - Truth in Savings

This Reg DD policy is 39 pages long. It was written by our Vice President of Deposit Operations. The policy has been reviewed by our auditors and FDIC examiners.

400 points

Reg DD Policy

Truth in Savings

100 points

Onboarding - Welcome Letter

This is an onboarding letter welcoming new customers and sharing information about our environmentally-friendly online services.

50 points

Fair Lending Risk Matrix

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

100 points

Risk Assessment Matrix

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.

100 points

Positive Pay Agreement

There are 5 pages of the Agreement and 3 for signers, authorized accounts, issued check file formating, exception verbiage, pay or return defaults, user contact information and other things like that, so I didn't consider it in the # of pages.

250 points

Residential Real Estate Loan File compliance Monitoring

Residential RE Loan checklist used by our compliance officer for monitoring loan files.

100 points

Wire Transfer Procedures

These procedures detail the front-line's instructions for taking information for a wire transfer and the accounting department's responsibilities upon receiving the request. It also includes sample wire transfer forms (domestic and international).

250 points

Annual Information Security Briefing Power Point Presentation

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

100 points

Information Security Training

This is a simple document we use for entry level training on Information Security. All employees get this upon hiring. We also use it as annual refresher information for employees.

150 points

Flood Coverage Worksheet - Interactive

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

100 points

Jan 19

36 purchases

Real Estate Evaluation Review Checklist

Checklist to be used by loan review or appraisal review staff to make sure the evaluation contains everything needed by regulation. In our shop the evaluation comes in electronically, the appraisal reviewer completes the checklist and scans and emails to the lender who makes this a part of the file. Completing it is very fast.

15 points

BSA/AML Policy

Bank Secrecy Act Policy which includes Anti-Money Laundering, Customer Identification and USA Patriot Act

100 points

BIA Template

After struggling mightily with how to streamline the buildout of the BIA section of our business continuity process, we developed this template internally, disseminated it globally and it saved us immense quantities of time during this challenging process! (2 pages)

100 points

Real Estate Checklist

Includes checklist as well as a red flag checklist.

250 points

Vendor Mgmt - Risk Evaluation-Due Diligence Manual

Here is our Vendor Management Policy / Manual - which includes the due diligence template for new vendor management projects. This policy/manual has grown significantly over the years, and the due diligence is quite extensive. We had completed an FDIC exam this year and updated this with comments from FDIC and internal auditors - everything has been updated/revised and approved by our board of directors.

250 points

FCRA Adverse Action Notice for Deposit Accounts

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.

100 points

Procedure for Disposition of OREO and REPO Collateral

This 4 page document consists of two documents in one: Procedure for Disposition of OREO and REPO (which is included in our Credit Policy) and Procedures for Placing a Loan Into OREO or REPO (which are included in our Loan Operations procedures). The Loan Operations Procedures are step by step procedures for coding a loan as an OREO or REPO on our system (which is FiS Bankway). Though you will have to make several edits, I left everything there so you could see the types of things you may need to consider in developing your own procedures. Good luck!

150 points

OREO/REPO Recap Sheet

This OREO/REPO Recap Sheet is placed in all our OREO/REPO files. Examiners have found it to be very useful. It contains current information that is relevant to the disposition of the property (i.e., if it is leased or sold, the current value and appraisal date, listing price and date, listing agent contact info, date title was received, tenant contact info (if applicable), a summary of write-down activity, attorney contact info).

50 points

E-banking risk assessment

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

200 points

Troubled Debt Restructure

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.

50 points

Debit Card Application

This is a basic Debit Card Application.

50 points

Personal Check Card Disclosure Statement/Account Agreement

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

150 points

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Vendor Info Request Letter and Form

Basic form letter requesting information from vendors, and basic form for them to complete.

FREE

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Business Expense Policy

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

375 points

Wire transfer agreement

Wire transfer agreement used in conjunction with Telephone/Fax/email/Internet banking wire transfer request authorization form.

100 points

Pandemic Preparedness Policy

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.

100 points

FLOOD INSURANCE CALCULATION FORM

This form is to be used to calculate the minimum required flood insurance on a property in a flood hazard area.

100 points

BSA / AML annual board of directors training

BSA / AML power point board of directors annual training. This has been passed around from several banks and each bank has tweak the material as necessary to fit into their BSA program. This has been reviewed and approved by our current internal auditors during our annual review, Federal Reserve Bank of Boston and the Ma State Division of Banking.

100 points

UDAAP Policy

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

200 points

FFIEC Online Training Guidance for COMMERCIAL Banking Clients

FFIEC Guidelines require continuing eduction of the customer. I have modified and expanding on online eduction expressly for commercial account expectations. The Guidelines distinguish between consumer and commerical accounts. The material I have seen so far concentrates on consumer transactions.

100 points

GLBA BOARD REPORT

Annual report to the Board

250 points

GLBA-Annual Report to the Board of Directors

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

100 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

BSA Training

This is an Excel spreadsheet designed like the television Jeopardy game. Split your class into two teams. Have them choose a name for their team and a leader to speak on their behalf. I gave each team three questions or until they missed an answer. You will need to click on the 'Answer' tab and customize the answers to be applicable with your FI, such as Name of Your BSA Officer, etc. You will also want to customize some of the questions and answers to make the game applicable to the department you will train. Use your answer time to explain your BSA program regarding the respective item/answer. We received tons of compliments on this training this year. I got the idea from BOL.com. Try their website for loads more! Enjoy!

50 points

Risk Rating Matrix

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

200 points

Online Business Client Awareness Training

This PowerPoint presentation was designed to help our online business clients understand the risks, liabilities, and mitigation considerations for online banking, and to help meet the letter and spirit of the recent FFIEC Supplement to Authentication in an Internet Banking Environmment. Many hours went into identifying appropriate content to meet these objectives and arranging in a coherent flow, as well as locating relevant reference resources. It has been presented to Account Relationship Managers (dress rehearsal) and all business subscribers subscribers in four WebEx sessions, with good feedback, which was then incorporated to improve the presentation for the next session. This document includes input from counsel, but has not yet been audited or examined. I wish it had been available before i had to build it!

800 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

FFIEC Online Training Guidance for COMMERCIAL Banking Clients

FFIEC Guidelines require continuing eduction of the customer. I have modified and expanding on online eduction expressly for commercial account expectations. The Guidelines distinguish between consumer and commerical accounts. The material I have seen so far concentrates on consumer transactions.

100 points

ADA/ ATM Policy

The Department of Justice (the Department) has amended its regulation implementing title II and title III of the Americans with Disabilities Act (ADA), which applies to public accommodations and commercial facilities. The ADA design standards are consistent with the guidelines published by the U.S. Architectural and Transportation Barriers Compliance Board (Access Board). The Title II and III rules adopt new Standards for Accessible Design that are consistent with the ADA/ABA Accessibility Guidelines developed by the Access Board. The final rule also amends the existing title II and III regulations to make it consistent with current policies and published guidance, to reflect the Department's experience since the regulation was first published in 1991. These revisions take effect on March 15, 2011.

50 points

Vendor Risk Assessment

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

100 points

E-banking risk assessment

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

200 points

Template ACH Risk Assessment

This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.

100 points

Loan Pricing Sheets

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.

500 points

BSA Training for Directors

This is a 13 page powerpoint presentation that provides the Board general informaiton on BSA/AML/OFAC. I usually supplement it with verbally presented examples of AML cases and civil money penalties assessed to banks for inadequate BSA programs.

100 points

Jan 18

36 purchases

BSA Test with Answer Sheet

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

25 points

FFIEC Online Training Guidance for COMMERCIAL Banking Clients

FFIEC Guidelines require continuing eduction of the customer. I have modified and expanding on online eduction expressly for commercial account expectations. The Guidelines distinguish between consumer and commerical accounts. The material I have seen so far concentrates on consumer transactions.

100 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

New ACH Originator Worksheet

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.

100 points

Remote Deposit Capture Agreement

Remote deposit capture agreement form that has been used by our institution. The agreement contains exhibits regarding security procedures, fees and user information. 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.

250 points

Appraisal Review Form

Internal Appraisal Review Form

50 points

Remote Deposit Capture Merchant Agreement which includes Best Practices

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

200 points

IT Risk Assessment & Information Security Risk Assessment

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.

500 points

E-banking risk assessment

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

200 points

BSA Policy

This policy has been reviewed and accepted by the regulators.

300 points

ACH Annual Originator Review Procedures and form

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

100 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

E-banking risk assessment

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

200 points

Vendor Confidentiality Agreement

This Vendor Confidentiality Agreement is 2 pages long. We have used it for both small and large vendors.

200 points

Reg D Procedures

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

200 points

In house residential evaluation form

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.

150 points

Sample Social Media Policy

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

FREE

Template ACH Risk Assessment

This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.

100 points

RDC - Sample Risk Assessment

Sample Risk Assessment for RDC

100 points

Compliance Risk Assessment Matrix

This risk assessment allows each reg to be assigned a risk score based upon objective criteria and then feeds the scores back into a summary sheet.

500 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Appraisal Review - Residential

This is a 3 page comprehensive Residential Appraisal Review form. We have used it for a couple years now and it has received a thumbs up from examiners.

150 points

GLBA BOARD REPORT

Annual report to the Board

250 points

Loan Compliance Audit Worksheets 11/1/2011

The loan compliance audit worksheets cover Regulation Z, RESPA, FCRA, GLBA, Flood and includes exception tracking by status (resolved or open) by regulation to discover patterns. NON HMDA BANK. You will have to hide the comments as they keep appearing in the uploaded file, even though my copy has them hidden, sorry.

500 points

Compliance Risk Assessment Profile - OCC

This Compliance Risk Assessment Matrix (Excel) follows the OCC Community Bank Supervision Handbook (Appendix B) and includes risk assessments for: BSA/AML/OFAC, Fair Lending, Consumer Lending & Deposit Operations, Privacy/FCRA/Marketing. The OCC assesses the quantity of risk, quality of risk management, aggregate level of risk, and the direction of risk for each risk category. Each tab represents the categories and is scored on a low/medium/high. The results at the top of each tab automatically populate in the first summary tab to give an overview of risk. There is also a column for additional comments to explain the determination of each score.

250 points

Adverse Action Training for Small Banks

Training material for annual Adverse Action Training. It includes model forms and flow charts plus checklists for withdrawn/declined loans. Very helpful information which serves also as our bank's procedures for handling adverse action.

200 points

Fedline Advantage User Security Policy

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

200 points

Flood Insurance Procedures

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

100 points

Environmental Risk and Liability Policy for Commercial Loans

The Company’s Environmental Risk and Liability Policy is intended to provide a program of reasonable due diligence in order to protect the Company against the potential risks and liabilities that can occur as a result of adverse environmental factors. The Policy establishes guidelines for satisfactory inquiry into the uses of the subject property and for other protective actions as needed to qualify for the “Innocent Landowner” defense.

100 points

Social Media Policy

We have just gotten into social media and came up with this simple policy to cover our basis.

300 points

FACTA PROCEDURES INCLUDING SECTION 312 - ACCURACY & INTEGRITY

FACT Act Procedures including compliance with Section 312 - Accuracy & Integrity

250 points

SUMMARY of Interagency Guidance Appraisal and Evaluation Guidelines dated 12-2-2010

Major changes and page #s are summarized at the top of page 1. Significant changes and items of particular importance to collections and modifications are highlighted in yellow in the body of the summary. “They do go into nauseating detail about AVMs and "evaluations" (not to use BPOs).”

150 points

Appraisal Policy-Dodd-Frank Act

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

200 points

Real Estate Evaluation Review Checklist

Checklist to be used by loan review or appraisal review staff to make sure the evaluation contains everything needed by regulation. In our shop the evaluation comes in electronically, the appraisal reviewer completes the checklist and scans and emails to the lender who makes this a part of the file. Completing it is very fast.

15 points

ACH Origination Agreement

This updated ACH Agreement incorporates recent rules changes, including authorization requirements, IAT processing, right to audit, etc.

200 points

NFF/OD Refund Policy/Procedure

Policy/Procedure governing refunds of fees.

50 points

Jan 17

39 purchases

ACH Annual Originator Review Procedures and form

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

100 points

Template ACH Risk Assessment

This is a sample risk assessment from the OCC that we are using as a start for the new ACH Risk Assessment.

100 points

UDAAP Policy

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

200 points

Foreclosure Policies & Procedures

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.

750 points

Customer Complaint Policy

Customer Complaint Management Policy

200 points

Service members Civil Relief Act Policy

Very simple policy has been approved by regulators and compliance audit alike. However, we have only had 2 loans in 10 years qualify for this coverage.

50 points

Remote Deposit Risk Assessment

Remote Deposit Risk Assessment

600 points

Foreclosure Self-Assessment

This Foreclosure Self-Assessment is the Foreclosure Self-Assessment developed specifically for our bank. It is geared towards banks in judicial foreclosure states. It is more of a sample than a form and will need to be updated with specific information about the Bank's foreclosures that are included in the sample.

1000 points

Contingency Funding Plan

Complete CFP - Board approved. It has been through one FDIC exam without criticism.

1500 points

CONTINGENCY FUNDING PLAN

CONTINGENCY FUNDING PLAN FOR COMMUNITY BANK

500 points

Impaired Loan Report

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.

100 points

Foreclosure Policies & Procedures

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.

750 points

Business Impact Analysis Workbook

Business Impact Analysis Workbook used to rate Maximum Tolerable Downtime (MTD), Recovery Point Objective (RPO) and Recovery Time Objective (RTO) for Business Systems (Not single Assets)

200 points

BIA Template

After struggling mightily with how to streamline the buildout of the BIA section of our business continuity process, we developed this template internally, disseminated it globally and it saved us immense quantities of time during this challenging process! (2 pages)

100 points

Safe Deposit Box Policy

Comprehensive Safe Deposit Policy for community bank with safe deposit services.

100 points

Social Media Policy

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!

100 points

Foreclosure Self-Assessment

This Foreclosure Self-Assessment is the Foreclosure Self-Assessment developed specifically for our bank. It is geared towards banks in judicial foreclosure states. It is more of a sample than a form and will need to be updated with specific information about the Bank's foreclosures that are included in the sample.

1000 points

Foreclosure Policies & Procedures

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.

750 points

Contingency Funding Policy

The Contingency Funding Plan establishes policies to manage a range of stressed liquidity scenarios, establish clear lines of responsibility, and provide a roadmap of actions should a stressed liquidity situation materialize.

500 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Sample Internet Banking RFP

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.

250 points

Bank Secrecy Act Policy

BSA Policy written by our compliance staff. Has been reviewed during several exams and is updated as recommended. Includes policy for opening accounts. The bank uses a third party vendor under the non-documentary method of ID verification to verify the identity of a customer. The bank does not open foreign accounts and does not share information with other FIs, so does not include policy for those topics.

300 points

BSA Test with Answer Sheet

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

25 points

NFF/OD Refund Policy/Procedure

Policy/Procedure governing refunds of fees.

50 points

Contingency Funding Plan

Complete CFP - Board approved. It has been through one FDIC exam without criticism.

1500 points

ADA/ ATM Policy

The Department of Justice (the Department) has amended its regulation implementing title II and title III of the Americans with Disabilities Act (ADA), which applies to public accommodations and commercial facilities. The ADA design standards are consistent with the guidelines published by the U.S. Architectural and Transportation Barriers Compliance Board (Access Board). The Title II and III rules adopt new Standards for Accessible Design that are consistent with the ADA/ABA Accessibility Guidelines developed by the Access Board. The final rule also amends the existing title II and III regulations to make it consistent with current policies and published guidance, to reflect the Department's experience since the regulation was first published in 1991. These revisions take effect on March 15, 2011.

50 points

GLBA-Annual Report to the Board of Directors

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

100 points

Regulation E Policy (Sample)

A sample Regulation E Policy is attached. All supporting exhibits are included in a separate document. This document is provided for information purposes only. It is not intended as legal advice. You may wish to consult with legal counsel before using any document or agreement for your particular situation. No legal advice is given or intended by uploading this document for your review.

200 points

ADA/ ATM Policy

The Department of Justice (the Department) has amended its regulation implementing title II and title III of the Americans with Disabilities Act (ADA), which applies to public accommodations and commercial facilities. The ADA design standards are consistent with the guidelines published by the U.S. Architectural and Transportation Barriers Compliance Board (Access Board). The Title II and III rules adopt new Standards for Accessible Design that are consistent with the ADA/ABA Accessibility Guidelines developed by the Access Board. The final rule also amends the existing title II and III regulations to make it consistent with current policies and published guidance, to reflect the Department's experience since the regulation was first published in 1991. These revisions take effect on March 15, 2011.

50 points

OREO Policy

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

150 points

Record Retention & Destruction

This is one of the Banks general policies for record retention & Destruction. The preview shows how they are categorized (only a sample) and a sample of what's broken out.

50 points

NFF/OD Refund Policy/Procedure

Policy/Procedure governing refunds of fees.

50 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

ACH Annual Customer Audit and Training

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.

200 points

Reg E EFT Error Resolution Procedures

Error Resolution procedures for processing Reg E claims, including customer letters.

200 points

FFIEC Online Training Guidance for COMMERCIAL Banking Clients

FFIEC Guidelines require continuing eduction of the customer. I have modified and expanding on online eduction expressly for commercial account expectations. The Guidelines distinguish between consumer and commerical accounts. The material I have seen so far concentrates on consumer transactions.

100 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

Compliance Audit Risk Matrix

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

500 points

Jan 16

9 purchases

Truth in Lending-Regulation Z Policy

Comprehensive policy on Truth in Lending for your bank.

200 points

BSA Test with Answer Sheet

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

25 points

Reg CC Policy - Funds Availability

This Reg CC policy is 13 pages long.

300 points

FFIEC Online Training Guidance for COMMERCIAL Banking Clients

FFIEC Guidelines require continuing eduction of the customer. I have modified and expanding on online eduction expressly for commercial account expectations. The Guidelines distinguish between consumer and commerical accounts. The material I have seen so far concentrates on consumer transactions.

100 points

New RDC Customer Checklist

This checklist can be used to document that all training and setup requirements for new remote deposit customers were met. See the "New RDC Customer Risk Assessment" if you also need a due diligence/risk assessment worksheet.

50 points

Internet Cash Management Agreement

Cash management/Wire/ACH/Positive Pay agreement. Attorney approved. 18 Pages. Sample: Wire Transfer and ACH Originator Agreement (Internet Banking System) This Agreement, dated as of _________________________________, ________ is between ________________(“Company”) and Lakeside Bank (“Financial Institution”). RECITALS A. Company wishes to initiate Credit Entries by means of the Automated Clearing House Network or Wire Transfers pursuant to the terms of this Agreement and the rules of the National Automated Clearing House Association and the local ACH Association (the “Rules”), and Financial Institution is willing to act as an Originating Depository Financial Institution with respect to such Entries. B. Unless otherwise defined herein, capitalized terms shall have the meanings provided in the Rules. The term “Entries” shall have the meaning provided in the Rules and shall also mean the data received from Company hereunder from which Financial Institution prepares Entries.

200 points

Electronic Banking Application/ Agreement

Electronic Banking Application and Agreement that combines Online Banking, Bill Pay, & Mobile Banking

400 points

Online Banking Cash Mgmt Enrollment & Agreement

Online Banking Cash Management Enrollment and Agreements

250 points

Asset Liability Management Policy

Asset/Liability Management Policy including Interest Rate Risk Policy, Liquidity Policy and Investment Policy.

200 points

Jan 14

1 purchases

Servicemembers Civil Relief Act Policy and Procedures

It is the policy of XXXXXXXX Bank to comply with all the requirements of the Servicmembers Civil Relief Act (“SCRA”) which became law on December 19, 2003. This Act rewrites and amends the Soldiers’ and Sailors’ Civil Relief Act of 1940 (SSCRA).

250 points

Jan 13

37 purchases

Customer Compliant Policy for CRA, Fair Lending, UDAAP

Written complaints from customers or the general public are serious matters requiring prompt and unbiased evaluation and personal responses

250 points

IT Risk Assessment

This risk assessment has passed both an FDIC and DOB exam. It is updated and enhanced annually. Great foundation with lots of risk ideas to look for.

1000 points

E-banking risk assessment

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

200 points

Third Party Relationship Vendor Confidentiality Agreement

This Confidentiality Agreement (“Agreement”) is effective as of and is made by and between ABC Bank (“Bank”) and (“Vendor”). Recitals Pursuant to the Gramm-Leach-Bliley Act (“GLBA”), Bank is required to enter into contractual relationships with all “nonaffiliated third parties” (as such term is defined in the GLBA) who perform services for Bank or perform a function on behalf of Bank pursuant to which the third party is prohibited from using or disclosing nonpublic personal information other than to carry out the services or functions being performed for or on behalf of Bank. Bank and Vendor each desires to comply with the terms and conditions of GLBA. Vendor will, from time to time acquire access to nonpublic personal information of Bank’s past, future or potential Customers (including a “consumer” as such term is defined in the GLBA), and desires to comply with the provisions of the GLBA as it re

50 points

E-banking risk assessment

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

200 points

Fedline Advantage User Security Policy

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

200 points

Appraisal Policy

This Appraisal Policy is four pages long and is an addendum to the Bank's Loan Policy. It was written by the Senior Asset Manager and incorporates the 12/2/10 Interagency Guidelines. The Appraisal Policy has been reviewed by FDIC examiners.

150 points

Person-to-Person Payments Proposal

Executive Management Report for the review / approval of a Person-to-Person Payment model as implemented by CheckFree (Fiserv). Includes logic of decision and reason for using existing bill paymaent provider.

100 points

ADA/ ATM Policy

The Department of Justice (the Department) has amended its regulation implementing title II and title III of the Americans with Disabilities Act (ADA), which applies to public accommodations and commercial facilities. The ADA design standards are consistent with the guidelines published by the U.S. Architectural and Transportation Barriers Compliance Board (Access Board). The Title II and III rules adopt new Standards for Accessible Design that are consistent with the ADA/ABA Accessibility Guidelines developed by the Access Board. The final rule also amends the existing title II and III regulations to make it consistent with current policies and published guidance, to reflect the Department's experience since the regulation was first published in 1991. These revisions take effect on March 15, 2011.

50 points

Audit Plan and Internal Control List

The Internal Control List is 28 pages long and tne audit plan is 13 pages.

350 points

IT Risk Assessment & Information Security Risk Assessment

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.

500 points

Loan Policy

This Loan Policy is 45 pages long. It was written by our Senior Lender with over 30 years of experience. This has been approved by the OCC and includes agricultural lending guidelines as well.

1000 points

Appraisal Policy

This Appraisal Policy is 23 pages long. It was written by our Compliance Officer.

200 points

Sample Social Media Policy

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

FREE

CFO Job Description

Basic job description for a small community bank.

50 points

FCRA Adverse Action Notice for Deposit Accounts

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.

100 points

Concentration of Credit

Concentration of Credit This is out of our loan policy and has been board approved and through audits.

50 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

BSA Test with Answer Sheet

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

25 points

Allowance for Loan and Lease Loss (ALLL) Policy

This policy addresses the composition and control of the loan portfolio as a whole and establishes standards for individual credit decisions.

500 points

ALLL Qualitative Factors Worksheet

This is a spreadsheet was developed to provide a quanitative factor to the qualitative factors of The ALLL.

250 points

BSA Test with Answer Sheet

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

25 points

Record Retention Schedule

A useable record retention schedule.

50 points

Regulation E Exhibits

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

50 points

BSA Test with Answer Sheet

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

25 points

Employee Guide to Information Security and Systems Access Acceptable Use Policy

Very extensive Systems Acceptable Use policy for all new employees. Covers Identity Theft, Social Engineering, Privacy and Systems Responsible Use, as well as access to services.

400 points

E-banking risk assessment

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

200 points

Compliance Policy and Procedures

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.

350 points

Bank Owned Life Insurance (BOLI) Policy

The purpose of this policy statement is to outline the Institution’s practices for purchasing and holding bank-owned life insurance (“BOLI”). The fundamental elements of our BOLI statement include Board and Senior Management oversight of purchasing practices and a comprehensive risk management process. Board Approved.

500 points

Stop Payment Request - ACH and Checks

Stop Payment Request: ACH & Checks Updated March 2010 for NACHA and Reg changes. Allows the stop payment of ACH or check entries. Clearly explains the difference between One-Time and Permanent stops.

150 points

Reg E Policy

Regulation E Policy written with help from FIS

100 points

Telecommuting Policy

This Telecommuting Procedure is 3 pages long and was written by the AVP of Consumer Lending to improve service delivery to members, add a benefit by saving employees time and money as well as increase productivity. It worked. The policy was blessed by our HR attorney.

600 points

Security Officer job description

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.

FREE

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

Reg GG Unlawful Internet Gambling Policy and Procedures

Unlawful Internet Gambling Policy which includes the actual bank policy which has been approved our Board of Directors and has been reviewed and approved by our external compliance auditors. It also includes our internal procedures and examples of letters that are mailed to customers with potential violations of the policy.

150 points

Troubled Debt Restructure

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.

50 points

Jan 12

61 purchases

Troubled Debt Restructure

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.

50 points

Mortgage Loan Originator Compensation

Mortgage Loan Originator Compensation is the latest in a series of compliance challanges facing community banks. Faced with complex regulations and a distinct lack of guidance from the agencies, even the smallest of banks must review their compensation plans to determine if changes are needed. We have a simple program in place for our Secondary Market that has been reviewed by an attorney and deemed to be compliant based on the rather non-complex approach we have taken. This document is our formal statement of intent to comply, and outlines the basic compensation structure in place.

100 points

Mortgage Loan Originator Compensation Plan

This compensation plan required a significant amount of analysis to provide a fair plan to the MLO and at the same time provide a profitable structure for our institution. This plan will have to be tailored to each specific institution as compensation amounts will vary as well as volume expectations. The structure is there which should allow for a nominal amount of time to make it fit for you. The level of compensation may need to be adjusted to fit your expected yield on loans originated.

200 points

IT Patches & Updates Policy

A simple and straightforward IT Patches & Updates policy suitable for a smaller bank without a formal IT department.

50 points

E-banking risk assessment

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

200 points

Fair Lending Risk Assessment

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

250 points

Business New Account Checklist

MANDATORY DOCUMENTS TO BE COLLECTED AT ACCOUNT OPENING DO YOU USE MERCHANT PROCESSING? __YES __NO SOLE PROPRIETOR ** A sole proprietor has only one owner; any other agents to sign the signature card are only authorized signers, unless it is a husband and wife. __ Fictitious Business Name Statement (if customer’s surname is not in the business title)

50 points

ACH Annual Customer Audit and Training

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.

200 points

RDC - Customer Site Visit Checklist

Checklist for onsite RDC customer site visit

100 points

BSA Business Risk Assessment Questionnaire

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.

150 points

Business Account Risk Assessment

This worksheet was developed in order to comply with enhanced due diligence necessary to intially risk rate our new business members. This also assists with us addressing Reg GG. Written procedure to accompany this worksheet will be posted soon.

100 points

BSA - CDD and EDD forms for New Business Accounts

This document contains 2 separate fillable forms with instructions. The customer Due Diligence from (CDD)does the initial risk assessment for all new business accounts, while the Enhanced Due Diligence form (EDD) provides fields for additional review for accounts reated high risk.

250 points

Business New Account Checklist

MANDATORY DOCUMENTS TO BE COLLECTED AT ACCOUNT OPENING DO YOU USE MERCHANT PROCESSING? __YES __NO SOLE PROPRIETOR ** A sole proprietor has only one owner; any other agents to sign the signature card are only authorized signers, unless it is a husband and wife. __ Fictitious Business Name Statement (if customer’s surname is not in the business title)

50 points

Security Officer job description

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.

FREE

Vendor Due Diligence Review Form

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.

150 points

SAFE Act Audit Work Paper

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.

100 points

Vendor Mgmt - Risk Evaluation-Due Diligence Manual

Here is our Vendor Management Policy / Manual - which includes the due diligence template for new vendor management projects. This policy/manual has grown significantly over the years, and the due diligence is quite extensive. We had completed an FDIC exam this year and updated this with comments from FDIC and internal auditors - everything has been updated/revised and approved by our board of directors.

250 points

RDC - Customer Site Visit Checklist

Checklist for onsite RDC customer site visit

100 points

Annual Vendor Review Worksheet

Form to be used to document the performance of annual vendor reviews for Vendor Management.

250 points

S.A.F.E. Act Audit

This is an audit program for compliance with the S.A.F.E. Act. Program addresses the following areas: 1. Policies and Procedures 2. Bank Registration 3. Identification of MLOs 4. Registration of MLOs 5. Unique Identifier - When provided 6. Training

200 points

Vendor Risk Assessment

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

100 points

Capital Plan

Simple but accepted at recent FDIC examination.

200 points

Vendor Due Diligence Review Form

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.

150 points

Online Account Opening Risk Assessment

This risk assessment is 2 pages long. It covers 4 basic sources of risk for Online Account Opening.

50 points

BSA Procedure for Identifying and Monitoring High Risk Accounts

Covers Identifying, classifying and monitoring accounts for BSA risk assessments

200 points

BSA Test with Answer Sheet

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

25 points

E-Sign Disclosure

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

100 points

Remote Deposit Capture Policy

This is the policy that was created by Liberty Bank that has been approved by our Board of Directors and reviewed by our external compliance auditors. This establishes the way our overall program is managed, our audit/review responsibilities, the risks, acceptable and unacceptable risks the bank will allow, etc.

500 points

Remote Deposit Capture Policy

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

150 points

Opening New Branch Task Plan Matrix

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

200 points

Vendor Due Diligence Review Form

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.

150 points

Board Training on Regulatory Compliance

This Powerpoint presentation is used to train our board on the basics of regulatory compliance regulations including Dodd Frank.

150 points

Business Continuity Testing scenarios and report template

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

100 points

In house residential evaluation form

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.

150 points

Reg E Error Resolution

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

100 points

BSA Test with Answer Sheet

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

25 points

HELOC Policy

The examiners asked for a HELOC loan policy during the last exam. This was created by our Risk Management officer and is derived from FDIC guidance.

100 points

Mobile Banking FAQ

Mobile Banking Frequently Asked Questions (FAQ) Word .doc can be used on your website or as employee training.

100 points

A Community Bank on Facebook

Experience and Lessons Learned - Steve Hamp Bank of Commerce

50 points

Complaint Resolution Policy

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

150 points

Appraisal Review Form

Internal Appraisal Review Form

50 points

Reg DD Policy

Truth in Savings

100 points

Flood Coverage Worksheet - Interactive

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

100 points

Reg DD Policy

Reg DD Policy (Truth in Savings)

50 points

2011 CRA Exam Lending Table provided by FDIC

This is a document I was provided in our 2011 CRA Exam that the examiner used to assess our CRA performance on the lending since our last CRA exam.

50 points

BSA Test with Answer Sheet

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

25 points

SAFE Act Audit Work Paper

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.

100 points

Sample Customer Security Message for new FFIEC Guidance

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.

100 points

SAFE Act MLO Registration Audit

This audit program was created as a guide to test compliance with the MLO Registration Requirements of the SAFE Act.

100 points

AUDIT POLICY

THE AUDIT POLICY WAS BOARD APPROVED JANUARY 2010

100 points

Fair Lending Risk Assessment

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

250 points

Appraisal Policy-Dodd-Frank Act

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

200 points

FFIEC Online Training Guidance for COMMERCIAL Banking Clients

FFIEC Guidelines require continuing eduction of the customer. I have modified and expanding on online eduction expressly for commercial account expectations. The Guidelines distinguish between consumer and commerical accounts. The material I have seen so far concentrates on consumer transactions.

100 points

ALLL Qualitative Factors Worksheet

This is a spreadsheet was developed to provide a quanitative factor to the qualitative factors of The ALLL.

250 points

Internal Audit Policy

Policy for internal auditor. Has been through examinations

200 points

Remote Deposit Capture Customer Eligibility Form

The attached form can be used for determining the eligibility of customers for Remote Deposit Capture.

1 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

Vendor Management Tracking

Use this to list all of your vendor information and track your vendor review projects step by step to completion.

200 points

BCP Test Summary Report

This is a sample BCP Test Summary Report that includes sections to be completed such as objectives, process descriptions, follow-up, etc.

100 points

Board Training on Regulatory Compliance

This Powerpoint presentation is used to train our board on the basics of regulatory compliance regulations including Dodd Frank.

150 points

Business Continuity Testing scenarios and report template

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

100 points

Jan 11

68 purchases

Fee Comparison for RFP

An Excel Spreadsheet that can be easily customized for your institution in RFP situations. Change the logo, insert your fees, collect the data for volumes from the RFP and presto you have what your proposal would look like from the financial side.

175 points

Business New Account Checklist

MANDATORY DOCUMENTS TO BE COLLECTED AT ACCOUNT OPENING DO YOU USE MERCHANT PROCESSING? __YES __NO SOLE PROPRIETOR ** A sole proprietor has only one owner; any other agents to sign the signature card are only authorized signers, unless it is a husband and wife. __ Fictitious Business Name Statement (if customer’s surname is not in the business title)

50 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

Reg E EFT Error Resolution Procedures

Error Resolution procedures for processing Reg E claims, including customer letters.

200 points

Reg E Error Resolution

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

100 points

Branch Opening and Closing Log

This form will help remind the branch staff of their daily responsibilites when opening and closing the branch. One form good for entire week(Monday - Friday).

150 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

RDC Customer Application

Customer Application for RDC

100 points

BSA Test with Answer Sheet

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

25 points

BSA Test with Answer Sheet

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

25 points

BSA/AML Risk Assessment

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

250 points

ACH Annual Review Form

Comprehensive annual review form. Includes product risk assessment based on products used and dollar limits.

400 points

OREO Policy

OREO Policy

400 points

Annual Information Security Briefing Power Point Presentation

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

100 points

BSA / AML annual board of directors training

BSA / AML power point board of directors annual training. This has been passed around from several banks and each bank has tweak the material as necessary to fit into their BSA program. This has been reviewed and approved by our current internal auditors during our annual review, Federal Reserve Bank of Boston and the Ma State Division of Banking.

100 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

Vendor Due Diligence Review Form

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.

150 points

FCRA Direct Dispute Form and Dispute Log

There are 3 worksheet pages in excel format, one for the consumer to complete the dispute details, one for the bank to document resolution, and a log to keep track of disputes, including eOscar. The sheets are protected with no password, to remove go to Review and Unprotect sheet. I suggest keeping it protected so that the users don't change the locked cells.

100 points

Compliance Officer - Insider Loan Checklist

Checklist for Insider Loans - (prefunding) One checklist for Executive Officer Loans and one checklist for Director Loans. Could be used for audit also.

100 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

Disaster Recovery and Contingency Plan

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

150 points

Monitoring Reg GG

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.

100 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

BSA Test with Answer Sheet

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

25 points

BSA Test with Answer Sheet

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

25 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

BSA Test with Answer Sheet

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

25 points

BSA Test with Answer Sheet

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

25 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

Purchasing Policy

Comprehensive Purchasing Policy that is easy to adapt to a mid sized financial organization.

100 points

BSA Training Power Point

This is a power point presentation on BSA that is given annually to our employees. It contains information on OFAC, CIP, CTR, SAR and RCD.

25 points

BSA Test with Answer Sheet

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

25 points

Loan Customer Risk rating worksheet - BSA/CIP

This document is used to risk rate loan customers for CIP/BSA purposes

150 points

BSA Test with Answer Sheet