April 19 - 23, 2010
ABA Training Room
Montgomery, Alabama

• Registration Form

School Overview
RCI provides extensive, hands-on training that equips attendees with the knowledge needed to develop and maintain a compliance program, to independently research compliance issues, and to resolve compliance problems. The school is designed to alert students of the most pressing compliance matters and common compliance errors in our complex environment, as well as to instruct students on the basics of laws and regulations included in most national certification examinations. Students will also take away real-world solutions to immediately improve compliance policies and avoid unnecessary practices - saving your institution valuable time and money.

RCI is specifically designed to benefit employees at all levels in the bank - from the bank's legal counsel to tellers and loan officers. This is accomplished by providing general information on the technical requirements of the various compliance regulations. Further, the instructors provide examples of common areas of misunderstanding that lead

School Schedule
The course consists of four and one-half days beginning Monday, April 19 at 9:00 a.m. and continuing until Friday, April 23 at 12:00 p.m. Classes will begin at 9:00 a.m. each day and end at 4:00 p.m. each day. The curriculum has been divided into three separate modules to adhere to the needs of individual banks. Students are required to attend all scheduled classes for which they are enrolled during the session. The Deposit and Lending Sessions will be conducted by FIS Regulatory Services (formerly Kirchman Regulatory Service). The Management Session will be conducted by Charlene Godwin, CRCM, CRP.

Who Should Attend

• Compliance Officers
• Auditors
• Lending Personnel
• Regulators
• Bank Directors
• CRA Officers
• Bank Counsel
• Consultants
• Deposit/Operations Personnel
• Anyone interested in Compliance

Deposits and Bank Secrecy Act Compliance
Bankers responsible for the deposit and bank secrecy side of your bank are used to working in a fast paced, high volume environment. Regulatory compliance requirements are often viewed as a major hindrance to efficient and profitable operations. During this session, we willcover what you need to know to manage compliance associated with:

• Advertising
• Cash Management
  
• Electronic Disclosures and Internet Banking
  
• FDIC Insurance Coverage
  
• Identity Theft
  
• Lotteries
  
• NOW Account Eligibility
  
• Political Contributions
  
• Privacy
  
• Regulation CC – Funds Availability
  
• Regulation D Account Requirements
  
• Regulation DD - Truth in Savings (including 2010 changes)
  
• Regulation E – Electronic Funds Transfers
  
• Regulation GG - Unlawful Internet Gambling
  
• Regulation Q - Interest on Deposits
  
• Regulation R and Non-depository Investment Products
  
• Regulations J and CC – Check Processing
  
• Regulatory Issues that Affect Bank Products (e.g., Stored Value Cards, Remote Deposit Capture, Branch Capture, Safe Deposit Boxes)
  
• Right to Financial Privacy Act and Regulation S
  

Lending Compliance
Bankers know that successful lenders manager risk effectively. Most bankers do a good job of containing credit, rate and environmental risk. But all too often, regulatory compliance risk is not “managed” very well. Compliance failures can cost a bank dearly both in dollars lost and in a damaged public image. During the lending session, the topics that are covered are what you need to know how to manager compliance risk with:

• Advertising
  
• Appraisals and Appraisal Standards
  
• Concentrations in Commercial Real Estate
  
• Fair Credit Reporting Act
  
• Flood Insurance
  
• HMDA
  
• John Warner National Defense Act
  
• Private Mortgage Insurance
  
• Regulation AA (including 2010 changes)
  
• Regulation B – Fair Lending
  
• Regulation B – Other Requirements
  
• Regulation BB – Community Reinvestment Act
  
• Regulation O - Insider Transactions
  
• Regulation R and Insurance Sales
  
• Regulation U - Lending on Securities
  
• Regulation Z - Truth in Lending (including 2009 and 2010 changes)
  
• RESPA and HUD’s Regulation X (including 2009 and 2010 changes)
  
• Servicemembers Civil Relief Act
  

Management Session
Useful guidance will be provided by a real-life compliance officer who has endured constant regulatory changes, management and co-worker wrath directed at the “messenger,” challenges related to company growth, and regulatory compliance examinations. Charlene has been in banking for 28 years, 19 of those dedicated to compliance. She will bring to the classroom a wealth of information from her hands-on experience having “been there, done that.” Compliance Management must be structured to fit a bank’s requirements, it is not a one-size-fits-all plan. She will discuss various topics to assist you in developing, administering, or fine-tuning an effective compliance management program for your bank.

Note: While either session can be taken alone, both sessions compliment one another. Therefore, it is strongly recommended that you register for both sessions to receive the maximum benefit.

Certificate
The participants who attend the entire week of RCI-the lending session, deposit session, and management session-will receive an RCI certificate. Those attending either the lending session or deposit session will receive a certificate for the portion of the Institute they attend. Participants who leave early or who do not attend the entirety of their session(s) will not receive a certificate. Certificates will be available at the end of the session(s).

Tuition & Refund Policy
The total enrollment cost of RCI is $600 for Association members. A $50 discount will be applied to all full-week registrations received before March 15, 2010, reducing the cost to $550 for those applicants. Two individuals from the same bank may split the full registration with one attending the lending session and one attending the deposit session. Registration is also available for each session individually at the cost of $400 for Association members with a $25 discount for those registering before March 15.

Full registration fees will be refunded if a cancellation is received on or before March 15. If date of cancellation is between March 15 and April 10, a $100 processing fee will be retained. No refunds will be given for cancellations made after April 10. Substitutions are welcomed. All cancellations must be received in writing either via fax or email.

Tuition does not include hotel room, and attendees should make their own room reservations. The hotels that are recommended by the Association are as follows:

Hampton Inn & Suites
7651 EastChase Parkway
Montgomery, AL 36117
(334) 277-1818

Wingate Inn
2060 Eastern Blvd.,
Montgomery, AL
(334) 244-7880

RCI is limited to the first 40 applicants.