Enroll Today! Annual Member Package Price: $2, Founder s Message TERRI SANDS CAMS AUDIT, CFE, AAP, ACT SPECIALIST

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1 Founder s Message TERRI SANDS CAMS AUDIT, CFE, AAP, ACT SPECIALIST Over the past year, there have been significant changes in the payments industry to move payments faster. Industry-wide, financial institutions are faced with how to mitigate their risks through the implementation of faster payments processes while facing the threat of faster fraud and the requirements to comply with new BSA/AML laws and regulatory guidance. Today more than ever, strategic risk has become a very important factor in survival based on regulatory scrutiny, network Rules, changing laws and competition to ensure the customer experience is a positive one. An important part of strategic risk is ensuring your financial institution is educated, you re engaged with other peer financial institutions, you re aware of the latest rules and regulations, and you re changing risk management efforts based on the times and threats presented. What are your plans for mitigating risks in this ever changing and fast moving environment while staying relevant? The purpose of Secura Risk Management is to help community banks stay compliant while remaining competitive with financial institutions of all sizes. Emerging risks and fraud threats continue to increase and the costs associated with one fraud event, a regulatory consent order, or financial loss due to untrained staff could be significant and result in reputational damage. This year we have added a quarterly webinar for Secura Members called In-The-Know that provides quick 30-minute updates on regulatory requirements, expectations, and best business practices for payments, fraud, BSA/AML and other higher risk areas. The purpose is to communicate quick updates on leading industry best practices based on new Rules, regulations, emerging fraud threats, breaches, known industry operational gaps, and other risks. A significant part of Secura s evolving strategy is to provide members with the most effective and practical information to make it easy to comply. The ultimate goal is to keep our banks compliant, make risk management simple, and eliminate the unnecessary to focus on the necessary. Warmest Regards, Terri Sands, Founder Member Webinars (23 Webinars/Calendar Year) Basic, easy-to-understand training format to enhance your risk management program while continuing to offer existing and new payment services effectively and safely. Secura Bi-Annual Risk Management & Fraud Management Roundtable Events - Education from payments industry leaders, fraud and BSA/AML experts and a forum for discussion providing insight on industry best practices. Valuable resources created by forum working teams will follow you home to insure what you've learned translates into enhancements in your workplace. Secura Brandable Communication Resources Secura provides white label newsletters for you to send your corporate clients on the latest network Rules, regulations and laws that apply while keeping it simple and easy to read. The newsletter also provides a consumer compliance section to ensure your corporate clients understand their obligations for consumer notification, disclosure and rights. Secura On-going Payments Expert Support Services - Have the answers you need, as the critical questions present themselves in your day-to-day operations. Available via phone, and member-only website. NEW Quarterly 30-Minute In-the-Know Member Calls These calls will provide Secura Members the ability to hear the latest risk issues and mitigating strategies. Enroll Today! Annual Member Package Price: $2, January December 2018

2 PAYMENTS EDUCATION PROGRAMS: STAY EDUCATED! Secura offers a payments educational program that focuses on payments risk management as it applies to new Network rules and regulations, laws, FFIEC Guidance, and best business practices. All educational programs can be submitted for AAP, CTP, CAMS and CFE continuing education credits Secura Education Schedule There are 23 educational programs offered per year to Secura members. No need to register Secura members are automatically registered for the below events. Members receive the call-in information prior to the event and have access to the playbacks that never expire. Check out webinar descriptions for more information on individual topics Webinars Understanding the FFIEC Retail Payments Systems Booklet: An Auditors Overview of this Guidance and How to Apply to Your Payments Audits Significant Changes in Payments Compliance: 2018 NACHA Operating Rules, Regulation CC and Emerging Regulatory Expectations in Information Technology Safety and Soundness Exams Beneficial Ownership Program Requirements: Implementation, Customer Impact and Sustaining the new Account Opening Process Training Your ACH Originators on New NACHA Rules, Existing Originator Responsibilities and Emerging Fraud Risks ACH/RDC Regulatory Credit Training: Exposure Limits, Periodic Reviews and Regulatory Expectations for Emerging Payments Risks New AARP Program (BankSafe) for Mitigating Elder Financial Exploitation in Financial Institutions Documenting Your Debit Card Risk Assessment Wire Transfer Fraud - Moving from Reactionary to Preventative: Lessons Learned from Being Reactionary ACH Third Party Senders: NACHA Operating Rules, OCC Third Party Guidance and Best Business Practices for BSA/AML A Primer in FinTech for Community Banks: What it is, why it is important and How FinTech Works with Community Banks Building a Payments Fraud Risk Assessment Program to Understand Fraud Exposure and Mitigate Financial and Reputational Risk Date: January 18, 2018 Date: January 23, 2018 Time: 2:00 3:30 p.m. EST Date: February 8, 2018 Date: February 14, 2018 Date: February 15, 2018 Date: February 22, 2018 Date: March 12, 2018 Date: April 23, 2018 Date: May 8, 2018 Date: May 10, 2018 Time: 12:00 1:00 p.m. EST Date: June 19, 2018

3 2018 Webinars Debit Card Disputes - From Notification of the Consumer to Closing the Investigation ACH Exception Processing for ODFI/RDFI: Regulatory, Network and Costs of Non- Compliance Regulation E Dispute Training for ACH Unauthorized, Stop Payments, Debit Card and ATM Disputes: Identification, Documentation, Error Resolution and Notification Documenting Your Payments Risk Program: A COSO Approach to Risk Management Traditional and Online Account Opening: Differences, Similarities and Managing Your Risks Date: July 9, 2018 Date: July 18, 2018 Date: July 19, 2018 Time: 12:00 1:00 p.m. EST Date: July 31, 2018 Date: August 1, 2018 Documenting your Wire Transfer Risk Assessment Date: August 9, 2018 Garnishments, Subpoenas, Summonses, and Levies: Handling Documents from Beginning to End Remote Deposit Capture Risk Management Program: Managing Your Risk Effectively and Efficiently Payments Fraud Trends and Cybercrime Auditing Your Payments and BSA/AML Program for Elder Financial Exploitation Gaps Effectively Documenting Your Micro-Payment Risk Assessments (P2P, Bill Payment and Bank to Bank) BSA Risk Assessment Documentation Date: August 21, 2018 Date: September 29, 2018 Date: October 2, 2018 Date: November 6, 2018 Date: November 15, 2018 Date: December 15, 2018 WEBINAR LIBRARY WHEN OUR SCHEDULE DOESN T FIT IN YOUR SCHEDULE All webinars are recorded and stored on the Secura Member Only website. The playbacks never expire and are available when you need them. For detailed descriptions of the 2018 Webinars, refer to the 2018 Webinar Schedule attached to this brochure. This will provide you and your team with more detailed information on the webinar and recommended attendees.

4 BI-ANNUAL RISK MANAGEMENT ROUNDTABLES: STAY CONNECTED! Secura will hosts two Payments Risk Management Roundtable and Forum Meetings per year that focus on changes in the payments industry, new rules and regulations, risk management best business practices, and new vendor introductions. The meetings will be offered to community banks and credit unions up to 50 billion in assets and include regulators and industry experts. Each participant will have the opportunity to receive AAP, CAMS, CFE and CTP credits. Forum meetings offer networking opportunities including a sponsored Thursday evening dinner. Meet your peers and get connected through this forum event! 2018 Roundtable Schedules and Locations February 28 March 2, 2018 Secura Risk Management Roundtable Ritz Carlton, Lake Oconee Lodge Greensboro, Georgia October 17 19, 2018 Secura Risk Management Roundtable Location to Be Determined A Preview of 2018 Roundtable Topics 2018 NACHA Rules and Improving Current Processes to Comply with Existing and New Rules Building out Your Bank s Fraud Department to be Sustainable and Scalable Regardless of Your Size Payments Risk Management Strategy: A Regulatory Focus in Today s Faster Payments Environment. The Risks of Antiquated Payments Organizational Structures: The Trap between Manual Processes, Significant Volume Growth and Today s Faster Payments. Basics of Same Day ACH, Real Time Payments and Faster Payments: A Primer for Senior Management, Risk Management and Internal Auditors Faster Payments, Faster Fraud: How are Financial Institutions Responding and Competing? Payments Risk Scorecard: How to Effectively Document Your Risk Scorecard that captures Key Risk Indicators and Key Performance Indicators. Enterprise Risk Management FinTech Disruptors (Outside the Bank) vs. FinTech Partnerships (Inside the Bank) Why are Application Program Interfaces (APIs) so Important Now in Payments? Debit Card Fraud Risk Strategies: Identification, Mitigation, Transference and Prevention Customer Service Payments Compliance: Regulation CC, Regulation E and NACHA Operating Rules

5 Access to Payment Expert Support RISK EXPERT SUPPORT SERVICES WHEN YOU NEED INFORMATION! Secura support services include direct payments expert access via telephone and/or , as well as access to login resources on the Secura website. Telephone and/or support includes the ability to contact Secura staff to obtain information for your on-going questions on payments risk management, as well as clarification on Rules and Regulations, and best business practices. Website Login Resources Login resources on the Secura website will include a comprehensive best business practice section with easy-to-find tools to better equip you with your risk management needs. BELOW: Examples of those items available for download that is included with membership. Sample Risk Assessments Best Business Practices Documents for ACH, RDC, Wire Transfer, BSA/AML, fraud mitigation and prevention Daily Tools for Operational Staff to Mitigate Operational Risks Newsletters for Your Corporate Customers Third Party Sender Best Business Practices Risk Management White Papers Treasury Sales and Support Best Business Practices Payroll Processor Best Business Practices Daily Tools for Cash Management Staff to Mitigate Credit, Fraud, and Reputational Risks Rules, Regulations, and Laws to Educate the Financial Institution on their Rights and Responsibilities Also includes a WEBINAR LIBRARY that houses all 2018 Webinar Recordings that Do Not Expire!

6 QUARTERLY NEWSLETTERS FOR STAFF & CORPORATE CUSTOMERS - STAY INFORMED! Secura Member Quarterly Newsletter - Secura provides quarterly newsletters for you to brand as your own which provides your staff with the latest regulatory guidance, network Rules, regulatory expectations and best business practices to stay compliance through practical mitigating controls. Business Client Quarterly Newsletter - Secura provides you with a quarterly business client newsletter designed to educate your corporate customers on the latest payments updates, risks, fraud prevention tips, security and authentication best business practices and consumer compliance awareness. Use this white label newsletter to include additional information specific to your financial institution. This is a great way to educate your customers and comply with regulatory expectations. Enroll Today... in 2018 Secura Services for due-diligent risk management education and support! SECURA RISK MANAGEMENT (404) PH (678) FX tsands@securariskmanagement.com

7 2018 MEMBER SERVICE ENROLLMENT FORM 2018 SECURA COMPREHENSIVE MEMBER SERVICE PACKAGE Education Package that includes 23 Webinar Topics One Registration to Two Secura Roundtable Events Expert Payments Support Services: Phone/ support, access to Login Website Resources Two quarterly newsletters for Financial Institution and Corporate Client PRICE: $2, PAYMENTS BY PAYPAL OR DEBIT/CREDIT CARD: Secura uses PayPal shopping cart to accept both PayPal and Card Payments. If you don't have a PayPal account, you may checkout as a non-paypal Customer. Visit under membership to pay by Paypal or card. PAYMENTS BY CHECK OR ACH: Both Check and ACH Payments are managed manually. (No ACH Account information is collected online.) Instructions are offered during checkout. ACH Debit Enclosed Check PAYMENTS BY INVOICE: Secura will invoice you! Provide the address and contact information below for the invoice and we will send it to you within 2 days of request. (For ACH Debit, please complete attached ACH Debit Authorization on next page) Financial Institution Contact Name: Title: Phone Number: FAX Number: Address City, State, Zip Address: Authorized Signature Date PLEASE FAX COMPLETED ENROLLMENT TO SECURA AT

8 2018 SECURA ACH DEBIT AUTHORIZATION I (we) hereby authorize SECURA (THE COMPANY) to initiate entries to my (our) checking/general ledger account at the financial institution listed below (THE FINANCIAL INSTITUTION), and, if necessary, initiate adjustments for any transactions debited in error. This authority will remain in effect until THE COMPANY is notified by me (us) in writing to cancel it in such time as to afford THE COMPANY and THE FINANCIAL INSTITUTION a reasonable opportunity to act on it. Name of Financial Institution Address City, State Financial Institution Routing Number: Account Number: Checking General Ledger Name (Please print): Signature: Amount: $ Purpose of Debit: SECURA MEMBERSHIP FAX DEBIT AUTHORIZATION FORM TO (678) SECURITY NOTICE: As is normally sent through an open unsecured network, please do send the debit authorization form in in this manner unless the notification is protected through a secured distribution facility.