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The Bank Secrecy Act (BSA) is one of the main tools the Federal Government uses to combat financial crimes and terrorist activity. The BSA requires banks to assist in preventing crime by enacting sound policies regarding reporting, recordkeeping, and monitoring of potentially criminal activity.
BSA/AML requirements grant senior management and the Board of Directors primary responsibility for ensuring that the bank has a comprehensive and effective BSA/AML compliance program and oversight framework that is reasonable designed to ensure compliance. Rev–Jan. 2025. Course length ≈ 33 minutes.
Learning Objectives:
Implement a BSA/AML program at your bank based on the five pillars
Know the basic technical requirements of the Bank Secrecy Act
Understand the challenges banks may face if senior management and the board are not involved in creating a successful BSA/AML program
Keep abreast of emerging trends in the BSA/AML world
Course Outline:
Introduction
BSA/AML Program
BSA Requirements
Challenges and Findings
Hot Topics
Enforcement Actions
The security function's primary duty is to develop and administer a written Security Program for the institution. The Board of Directors must approve this Program and its corresponding policies. This course discusses the laws, rules, and regulations that affect the security function. Rev–Jan. 2025. Course ≈ 22 minutes.
Learning Objectives:
Describe how the relationship between the security function and the Board of Directors should work
Identify the issues the institution's Security Program must address
Identify security regulations that affect the institution
Course Outline:
Introduction
Board of Directors
Security Program
Bank Protection Act
Bank Secrecy Act
Board committees are a very important part of effective corporate governance. Board committees allow for a division of labor and enable directors with the requisite expertise to handle matters that require detailed review or in-depth consideration.
This course provides information on the importance of board committees, the requirements of a committee charter, and the different types of committees that exist within a bank’s structure. Rev. 12/19. Course length ≈ 13 minutes.
Learning Objectives
Course Outline
The idea of corporate governance simply means having an internal governance structure that meets the needs of your organization in whatever form that is. One can really view corporate governance as nothing other than doing the right things and providing a roadmap for what bank directors should do.
This course discusses an overview of ways to create a sound and comprehensive board of directors, the legal duties required of directors, the risks bank directors face, and succession planning considerations. Rev. 12/19. Course length ≈ 18 minutes.
Learning Objectives
Course Outline
The Uniform Financial Institution Rating System (UFIRS), more commonly known as CAMELS rating, is an internal rating system used by the banking regulators for assessing the soundness of financial institutions on a uniform basis.
The system also helps identify institutions requiring closer supervisory attention. This course describes each of the six components of the CAMELS rating and the principal evaluation factors that relate to each component. Rev. 12/18. Course length ≈ 18 minutes.
Learning Objectives
Course Outline
The Community Reinvestment Act requires regulated financial institutions to demonstrate:
In October 2023 the CRA was overhauled and the new requirements that banks must follow are effective January 1, 2026. This course discusses the new rules. Rev. Jan 2025. Course length ≈ 30 minutes.
Learning Objectives:
Understand how a bank must determine its CRA assessment areas
Know which tests your bank is examined under based on its asset size
Have a general understanding of what the various performance tests include
State what is inside the bank’s CRA Public File
Course Outline:
Introduction
Coverage
Assessment Area
Assessing Performance
Small Banks
Intermediate Banks
Large Banks
Other Options
Public File & Notification
Laws and regulations govern many aspects of banking. It is important bank directors have a general understanding of each of the regulations in order to establish policies and monitor its operations according to the law.
This course gives you a brief overview of many of the banking laws and regulations. Rev. 10/24. Course length ≈ 47 minutes.
Learning Objectives
Course Outline
Managing compliance is an integral part of any bank’s business strategy. The Board of Directors and management must recognize the scope and implications of laws and regulations that apply to their bank and establish a compliance management system. This course will walk you through managing a successful compliance management system. Rev–Dec. 2018. Course length ≈ 14 minutes.
Learning Objectives:
Help to create, manage, and monitor the bank’s Compliance Management System
Ensure your community bank has a successful compliance examination
Course Outline:
What is a CMS?
Board Oversight
Compliance Program
Compliance Audit & Examinations
Building and operating an information security program at your organization can be challenging.
This course provides your board of directors, senior management, and information security committee with the information to understand oversight responsibilities and make informed decisions to protect the bank and its customers. Rev. 01/25. Course length ≈ 25 minutes.
Learning Objectives
Course Outline
Business ethics is a serious subject for executives, managers, and front-line employees. All bank employees are expected to make good decisions every day based on the organization's values and contemporary standards in business ethics.
Given the increased scrutiny boards are subject to, this is especially true for bank directors. This module will help bank directors understand the importance of recognizing an ethical dilemma and then acting accordingly. It will also assist directors in making sound decisions based on the principles of business ethics. Rev 12/20. Course length ≈ 22 minutes.
Learning Objectives:
Course Outline:
Being a bank director carries a lot of responsibility. Bank directors select management, oversee business performance, ensure compliance with the latest regulations, and make sure the bank is meeting the needs of the community.
Because of this, bank directors need to be compensated. In this course we will look at how and why bank directors are compensated, and how bank directors can help their bank set compensation practices based on the principles of safety and soundness. Rev 12/16. Course length ≈ 22 minutes.
Learning Objectives
Course Outline
Understanding fair lending is important to managing credit and compliance risk as well as reputation risk. Every director must be familiar with the fair lending regulations and the implications of noncompliance.
In this course we provide a brief overview of the fair lending laws and the types of lending discrimination. We will also discuss actions a bank should take to avoid fair lending laws and provide information on the current state of fair lending in the banking industry. Rev. 01/25. Course length ≈ 22 minutes.
Learning Objectives:
Course Outline:
The basic concept of enterprise risk management has been applied, more or less, in several industries for well over a decade. The changing regulatory environment, economic turmoil, and growing complexity of products, tools, and risks has, among other influences, helped to launch the practice of enterprise risk management into the financial services area.
In this respect ERM—in the world of banks and financial institutions—is very much in its early development, though much progress has been made. This course provides an overview of the components of a successful enterprise risk management program. Rev. 12/20. Course length ≈ 30 minutes.
Learning Objectives:
Course Outline:
Advances in information technology have enabled companies to collect, compile, analyze and deliver data around the world much more quickly and cheaply than ever before. These technological advances have also brought new challenges to protecting information privacy.
The information in this course is based on the key privacy concepts, terms, rules and requirements of the Gramm-Leach-Bliley Act (GLBA). It provides an overview of the fundamentals on privacy regarding the use of personal information that is obtained by a financial institution from consumers and customers. Rev–Jan. 2025. Course length ≈ 20 minutes.
Learning Objectives:
Explain the Gramm-Leach-Bliley Act (GLBA) and its key purpose
Understand an organization’s obligations under the privacy regulations
Learn how an organization’s Privacy Notice is properly distributed in the course of customer interaction
Accurately address basic questions and issues regarding privacy
Course Outline:
Introduction
The GLBA Rules
Protecting Customer Information
This new training module contains two courses:
Business Essentials: Harassment in the Workplace – Learn about harassment in the workplace with real-life scenarios. Improve your understanding of the definition of harassment, protected characteristics, and sexual harassment.
Business Essentials: Discrimination in the Workplace – Learn about discrimination in the workplace with real-life scenarios. Improve your understanding of the definition of discrimination and what constitutes unlawful discrimination and retaliation. The courses include video and audio. Course length ≈ 12 minutes total.
The Fair Credit Reporting Act (FCRA), amended by the Fair and Accurate Credit Transaction Act (FACTA), contains several provisions designed to help combat identity theft. Included in the provisions is the requirement for financial institutions to develop an identity theft prevention program. This course will discuss the components of a compliant program and various red flags for identifying identity theft. Rev. June 2019. Course length ≈ 30 minutes.
Learning Objectives
Explain the necessary components of a Red Flags Identity Theft Prevention Program
Identify the red flag categories and types
Course Outline
Introduction
Definitions
The Program
Red Flags
Other Requirements
The Electronic Funds Transfer Act aims to protect the rights of consumers when they engage in electronic funds transfer (EFT) transactions. Regulation E establishes rights, liabilities and responsibilities of consumers who use electronic fund transfer services and of financial institutions that offer these services.
In this course we will cover the general requirements for complying with Regulation E, error resolution and liability, and exams. Rev. 12/20. Course length ≈ 20 minutes.
Learning Objectives:
Course Outline:
Regulation O governs extensions of credit made by a bank to an executive officer, director, or principal shareholder. It also applies to extensions of credit made by a bank to a political or campaign committee that benefits or is controlled by such a person. This course provides an overview of Regulation O. This course is intended for lending personnel. Rev–Jan. 2025. Course length ≈ 15 minutes.
Learning Objectives:
Discuss the reason Regulation O exists
Ensure recordkeeping policies and procedures at your bank are compliant with the stipulations detailed in Regulation O
Define the parties subject to Regulation O at your bank
Define the limitations of extension of credit to those parties Regulation O stipulates
Course Outline:
Introduction
Overview of Regulation O
Types of Credit
Insiders
Conclusion
A bank’s board of directors sets the tone for the bank’s business and oversees the management of the bank’s activities. Those who elect the directors have confidence in the board’s abilities to guide the bank with reasonable care.
In turn, all directors must consider the bank’s interests before their own. This course helps directors understand what it means to be a bank director and the responsibilities the board of directors must ensure a safe and sound bank. Rev. 12/17. Course length ≈ 12 minutes
Learning Objectives
Course Outline
The Small Business Lending Rule (Section 1071 of the Dodd Frank Act) requires financial institutions collect and report to the CFPB certain data regarding applications for credit for women-owned, minority-owned, and small businesses.
Learning Objectives:
Know which credit applications require data collection and reporting
Determine how the bank is going to comply with the firewall rules
Have a general understanding of what steps need to be taken to comply with the new requirements
Course Outline:
Introduction
Covered Financial Institutions and Effective Dates
Covered Transactions
Covered Applications
Data Points
Firewall
Other Requirements
This course discusses the Board of Directors responsibility to ensure that credit risk is managed and controlled properly on an integrated bank-wide basis.
A director must understand the bank’s credit risk profile and its credit culture. Board members need to recognize their role in reviewing and approving the banks Credit Policy as well as set the parameters for the concentration limits to maintain the risk level in the credit portfolio.
To accomplish this, they need a thorough knowledge of the bank’s lending portfolio composition as well as the key reports that will provide them with a way to measure the portfolio against the expectations that are set in the policy. Rev–Jan. 2024. Course length ≈ 23 minutes.
Learning Objectives
Understand a director’s responsibility as it relates to credit risk within your community bank.
Set your bank's core credit priorities.
Maintain an effective credit culture in the bank.
Recognize the importance of your credit policy.
Develop the proper concentration limits to manage credit risk.
Effectively monitor your credit portfolio to avoid surprises.
Course Outline:
Introduction
Setting Your Bank Credit Priorities
Credit Culture
Policies and Concentration Management
Measuring and Monitoring
Unfair, deceptive, or abusive acts and practices (UDAAPs) can cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace. The Dodd-Frank Act makes it illegal for any provider of consumer financial products or services or a service provider to engage in any unfair, deceptive or abusive act or practice.
This includes banks. Unfair, deceptive, or abusive acts and practices (UDAAPs) can cause financial injury to consumers, harm consumer confidence, and undermine the financial marketplace. This course will introduce you to UDAAP and show you how to create a UDAAP compliance program. Rev–Jan. 2025. Course length ≈ 33 minutes.
Learning Objectives:
Define UDAAP
Explain what an unfair, deceptive or abusive act or practice is
Identify acts and practices that prompt CFPB to take UDAAP enforcement action
Create and maintain a UDAAP compliance program
Course Outline:
Introduction
What is UDAAP?
Violations & Risks
Creating a UDAAP Compliance Program