Would anyone be willing to share theirs please?  We are looking at MortgageBot, but any RA would be helpful!  Thank you!

Does anyone have procedures for the daily settlement of debit/ATM card transactions? I’m particularly looking for institutions that uses Shazam as their card processor. We are have trouble understanding the daily totals recap.  Any spreadsheets or procedures would be helpful. 

Hi, in the wake of the pandemic our BSA team is busier than ever. We've had a significant increase in alerts which is taking away time from other priorities such as SAR and CTR filings as well as 314  alerts.  There's been some discussion internally on how soon alerts need to be tended to while still understanding our regulatory requirement to file timely SARs. What have you done in this area to best maximize efficiencies and minimize burnout? 

Do you have a disclosure in your credit card application about member giving consent to CU to apply funds from their accounts to make payments when in default? Do you practice anything similar and/or maybe have heard others doing?

I am wondering if anyone would be willing to share their current Commercial Real Estate Appraisal/Evaluation Guidelines. I understand that this is more of a Loan Policy issue but we are just revising our current policies and are curious to know what others are doing both at new loan inception and also at renewal time. Thank you in advance for your willingness to share!  

Is there an OCC regulated bank willing to share your internal Flood review checklists & determination documents you use to ensure accuracy? I'm new to this position with an OCC regulated bank and their current process is very lengthy- they have 7 pages of checklists & determination documents to sign and fill out. I'm looking to reduce and automate these so any info you can share would be greatly appreciated. (This would be for commercial loans only, not personal/MTG) 
In addition, I'm curious to know if it is a regulatory requirement that a borrower has to sign a "borrowers certification of detached structure" or just best practice? 
Thank you in advance.   

Our institution is looking into purchasing notes for 1-4 family loans but we will not be servicing.  What are the compliance implications that we need to consider?  Any assistance is much appreciated as I am new to the compliance world.

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Hello,
We are considering opening accounts for government entities. Currently, we only open accounts for natural persons, non-profit organizations and sole proprietorship DBAs. Does anyone open accounts for government entities and would you be willing to share your procedures? Also, what compliance requirements and risk considerations should we be aware of? Thank you!