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Speaker:


Gina J. Lowdermilk

Dr. Gina J. Lowdermilk, PhD (ABD), CAMS, CRMS is a qualified BSA/AML and Financial Regulatory Compliance professional with extensive policy and procedure development and implementation, training, internal audit, monitoring, risk management, and reporting experience. Her emphasis has been on working with financial institutions that are experiencing regulatory concerns and resolutions, including enforcement actions such as memorandums of understanding and cease and desist orders. Her 15 years of experience has given her the opportunity to work with small community banks to large international financial institutions. Her roles not only included BSA/AML and Compliance, but also operations, lending services, business development, marketing, management, department development, and asset quality. Ms. Lowdermilk has worked with all of the financial regulators and examiners. She possesses advanced Microsoft Excel, PowerPoint, Word, Internet Explorer, Visio, and Access skills. She also has experience with FiServ, BAM, CRA Wiz, TeamMate, COGNOS, and Metavante banking software. Gina has been responsible for creating both recurring and ad hoc executive management and board presentations. In addition to her above experience, she is also an adjunct instructor for the business and construction management programs at a local college, as well as writes numerous BSA/AML and Compliance articles, training materials, and manuals as per clients’ requests.

Live Webinars

Industry: Banking and Finance

Duration: 60 Minutes

Date: 2020-04-08

Time: 10:00 AM PST | 01:00 PM EST

Whether you report to one or all four of the National Credit Reporting Agencies (NCRA), you are required to comply with the Fair Credit Reporting Act (FCRA) and the Fair & Accurate Credit Transaction Act (FACTA) amendment as well as the new tougher Consumer Financial Protection Bureau (CFPB) standards. It's not what you know that will hurt you-it's re-polluting the consumer's file along with some key points that can cost your Financial Institution plenty!
We will review, E-OSCAR (Electronic-Online Solution for Complete and Accurate Reporting) a CFPB requirement, pros and cons of using METRO or METRO-2 format and any federal requirements.

Also, we will discuss if you should report to more than one NCRA, and why you should run quality checks on any data you report to make sure your trade lines are showing up accurately on consumer reports and that you are in compliance.

Chronicles

Industry: Banking and Finance

Duration: 60 Minutes

Recorded Session

The Home Mortgage Disclosure Act (HMDA) was enacted by Congress in 1975 and was implemented by the Federal Reserve Board's Regulation C. On July 21, 2011, the rule-writing authority of Regulation C was transferred to the Consumer Financial Protection Bureau (CFPB). This regulation provides the public loan data that can be used to assist:

  • In determining whether financial institutions are serving the housing needs of their communities
  • Public officials in distributing public-sector investments so as to attract private investment to areas where it is needed
  • And in identifying possible discriminatory lending patterns

This regulation applies to certain financial institutions, including banks, savings associations, credit unions, and other mortgage lending institutions. This webinar will offer insight into ensuring your institution is compliant with HMDA requirements and how to build a successful program.

Industry: Banking and Finance

Duration: 60 Minutes

Recorded Session

Whether you are dealing with a sole proprietorship or a corporation, financial institutions need to learn how to open and properly document a business bank account regardless if it is a corporation, or if it's a sole proprietorship. Financial institutions are responsible for executing their customer identification procedures for such accounts, including obtaining information regarding signing privileges and obtaining the appropriate documentation for these customers.

Industry: Banking and Finance

Duration: 60 Minutes

Recorded Session

Most credit reporting disputes are handled through the e-OSCAR/ACDV system, which has had recent updates that affect data furnishers’ legal obligations with regards to these disputes. This is an active area of litigation and regulatory scrutiny. This topic will help attendees better understand their potential legal risk and compliance obligations with respect to consumer credit reporting. Special problems relating to the Metro 2 credit reporting guidelines relating to bankruptcies, disputed accounts and identity theft also will be addressed.

Industry: Banking and Finance

Duration: 60 Minutes

Recorded Session

Proper handling of check fraud occurrences is important for an institution. Institutions need to understand that such incidents go beyond the check fraud itself. Legal liabilities exist that are specific to consequences of check fraud. This webinar will provide guidance and insight for financial institutions in understanding the legal liabilities that result when check fraud occurs. All of the above insights will assist a financial institution in its risk mitigation and risk reducing efforts.

Industry: Banking and Finance

Duration: 90 Minutes

Recorded Session

This 60-minute webinar will summarize the importance of performing BSA/AML/OFAC risk assessments properly. It will discuss the various components needed in order to implement an effective risk assessment, as well as, what is needed to maintain an appropriate risk assessment on-going of BSA/AML/OFAC. It will provide insight into what regulators and examiners expect from financial institutions in their BSA/AML/OFAC risk assessments.