cu staff training
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CU Staff Training. Teller Training Lending Training Collection Training IT Training And Much More. CU Management Training. Establishing Internal Control Employee Retention Understanding CU Financials Sexual Harassment Asset Liability Management Lending & Delinquency Control - PowerPoint PPT PresentationTRANSCRIPT
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CU Staff TrainingCU Staff Training
Teller Training Lending Training Collection Training IT TrainingAnd Much More
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CU Management TrainingCU Management Training
Establishing Internal Control Employee Retention Understanding CU Financials Sexual Harassment Asset Liability Management Lending & Delinquency Control And Much More
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CU Volunteer TrainingCU Volunteer Training
Board TrainingStrategic PlanningCredit Committee TrainingSupervisory Committee TrainingAnd Much More
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Other ICUT ProgramsOther ICUT Programs
Laugh Your Way To The CUPre-Drafted Newsletter ArticlesArchived On-Line ClassesPotential SEG ShowAnd Much More
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Join TodayJoin Today
cuSchool.comAnnual Membership Per CU
$199.95
Visit http://www.cuSchool.com
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Don’t Miss Our Next ClassDon’t Miss Our Next Class
Do’s and Don’ts of Being a CU TellerDate: Tuesday March 16, 2010Time: 3:30PM-4:45PM Eastern Standard Time
Understanding Self-Employed TaxesFOR MAKING CREDIT DECISIONSDate: Tuesday April 13, 2010 Time: 3:30PM-4:45PM Eastern Standard Time
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Today’s FacilitatorToday’s Facilitator
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Supervisory CommitteeSupervisory CommitteeDuties & ResponsibilitiesDuties & Responsibilities
Presented by ICUT Services
Will begin in a few minutes………….
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Housecleaning ItemsHousecleaning Items
Detailed OutlineHold Verbal QuestionsUse the Chat FeaturePolling PowerPointComplete Class SurveySend Me an eMail???Door Prize Winner
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Today’s AgendaToday’s Agenda
Define Supervisory Committee Qualifications & Power Of Committee Duties & Responsibilities Internal Review Program Best Practices for CUs Internet Scams, Fraud, Identity Theft How To Manage The Committee Open Mic
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What Is What Is The Supervisory The Supervisory Committee?Committee?
The Guard Dog or “Watchful Eye” The Audit Committee
“The committee that helps minimize the possibility of the credit union incurring
any kind of loss.”
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How Does One Get How Does One Get On This Committee?On This Committee?
Appointed by the Board Of Directors
- 1 may serve as director- 1,2,or 3 year terms
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Who Can Serve?Who Can Serve?
Qualifications Member In Good Standing (Shares & Loans) Accounting Non Accounting Backgrounds Active & Cooperative Participant Commitment To CU
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Structure Of CommitteeStructure Of Committee
Committee Size (3-5)Positions On CommitteeBoard Representation
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What Power Does What Power Does Committee Have?Committee Have?
Access To All RecordsCan Call Special Membership Meetings
Removal Of Officers, Directors & CC Members
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Duties & ResponsibilitiesDuties & ResponsibilitiesPlanning & BudgetingMeet RegularlyAttend Board Meetings (?)
Understand Financial TrendsUnderstand The CU’s RisksSurprise Cash Counts
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Duties & ResponsibilitiesDuties & Responsibilities
Planning & BudgetingMeet RegularlyAttend Board Meetings (?)Understand Financial TrendsUnderstand The CU’s RisksSurprise Cash Counts
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Understanding Financial TrendsUnderstanding Financial Trends
Beginners: NAFCUNET.org / CUES.org / cuSchool.com
Intermediate: NCUA.gov (5300) / CUNA.org (Research & Statistics)
Advanced: ALM Reports, FPRs (NCUA.gov), Journal of Accountancy (COSO)
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Duties & ResponsibilitiesDuties & ResponsibilitiesPlanning & BudgetingMeet RegularlyAttend Board Meetings (?)
Understand Financial TrendsUnderstand The CU’s RisksSurprise Cash Counts
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Understanding CU RisksUnderstanding CU Risks
Credit Risk Liquidity Risk Interest Rate Risk Compliance Risk Strategic Risk Transactional Risk Reputation Risk
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Duties & ResponsibilitiesDuties & ResponsibilitiesPlanning & BudgetingMeet RegularlyAttend Board Meetings (?)
Understand Financial TrendsUnderstand The CU’s RisksSurprise Cash Counts
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Surprise Cash CountsSurprise Cash Counts Cash Count Audit Review As of_____________ Drawer #________ COINS: CHECKS: Pennies ________ ______________ ________ Nickels ________ ______________ ________ Dimes ________ ______________ ________ Quarters ________ ______________ ________ Halves ________ ______________ ________ Dollars ________ ______________ ________ CURRENCY: Ones ________ ______________ ________ Twos ________ ______________ ________ Fives ________ ______________ ________ Tens ________ ______________ ________ Twenties ________ ______________ ________ Fifties ________ ______________ ________ Hundreds ________ _____________ ________ Subtotal $ ________ Subtotal $________ Per Control $ ________ Per Control $________ Difference $ ________ Difference $________ I, ________________, owner of this drawer,
certify that a member of the supervisory committee has counted all cash and checks in my possession as of ____________________. Signed___________________ Time & Date Name of Teller
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Duties & Duties & ResponsibilitiesResponsibilities
Review Loan FilesEvaluate Internal ControlAccount VerificationMonitor BoardReview Bank ReconcilementsWork With Regulators & Follow-upConfirm Account Closures
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Duties & Duties & ResponsibilitiesResponsibilities
Review Loan FilesEvaluate Internal ControlAccount VerificationMonitor BoardReview Bank ReconcilementsWork With Regulators & Follow-upConfirm Account Closures
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Duties & Duties & ResponsibilitiesResponsibilities
Review Loan FilesEvaluate Internal ControlAccount VerificationMonitor BoardReview Bank ReconcilementsWork With Regulators & Follow-upConfirm Account Closures
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Duties & Duties & ResponsibilitiesResponsibilities
Review Loan FilesEvaluate Internal ControlAccount VerificationMonitor BoardReview Bank ReconcilementsWork With Regulators & Follow-upConfirm Account Closures
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Duties & Duties & ResponsibilitiesResponsibilities
Review Loan FilesEvaluate Internal ControlAccount VerificationMonitor BoardReview Bank ReconcilementsWork With Regulators & Follow-upConfirm Account Closures
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Duties & Duties & ResponsibilitiesResponsibilities
Review Loan FilesEvaluate Internal ControlAccount VerificationMonitor BoardReview Bank ReconcilementsWork With Regulators & Follow-upConfirm Account Closures
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Duties & Duties & ResponsibilitiesResponsibilities
Review Loan FilesEvaluate Internal ControlAccount VerificationMonitor BoardReview Bank ReconcilementsWork With Regulators & Follow-upConfirm Account Closures
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Confirm Closed AccountsConfirm Closed AccountsDear Member:As a valued member that planned to closed your account at the credit union we hope that you had a positive experience that you found our services of value.
In an effort to improve our services, we would appreciate it if you would take a few seconds to respond to the survey shown below:
How long were you a member? ___________________________Why did you close your account? __________________________Would you ever join again? _____________________________
Did you know our policy is “once a member, always a member”?_____
Sincerely,Supervisory Committee
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Duties & ResponsibilitiesDuties & Responsibilities
Plan Annual Audit & Follow-upReview Returned MailConfirm Collection AccountsConfirm Death ClaimsMaintain Visibility
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Duties & ResponsibilitiesDuties & Responsibilities
Plan Annual Audit & Follow-upReview Returned MailConfirm Collection AccountsConfirm Death ClaimsMaintain Visibility
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Confirm Collection AccountsConfirm Collection AccountsYoung & Young Law Firm100 Best WayNocandu, Nebraska 08066 Dear Mr. Young: On behalf of the supervisory committee for the ABC Federal Credit Union, I would like to
confirm what credit union accounts have been forwarded to you for collection during the past twelve months. As part of our confirmation we would like to know the following information:
ACCOUNT NAMEDATE RECEIVEDORIGINAL LOAN BALANCECURRENT BALANCESTATUS
Again, we only need this information for accounts that you received between July 1, 20XX and the date of this letter.
Please forward all responses to this request to:John Doec/o ABC FCU12 Wayward RoadNebraska City, Nebraska 08065
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Duties & ResponsibilitiesDuties & Responsibilities
Plan Annual Audit & Follow-upReview Returned MailConfirm Collection AccountsConfirm Death ClaimsMaintain Visibility
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Confirm Death ClaimsConfirm Death Claims CUNA Mutual Insurance
P.O. Box 1084Madison, WI 53701ATTN: Death Claims
Dear Claims Department: On behalf of the supervisory committee for the ABC Federal Credit Union, I would like to
confirm what death claims have been presented to you for the credit union during the past twelve months. As part of our confirmation we would like to know the following information:
CU EMPLOYEE SUBMITTING CLAIM MEMBER ACCOUNT NAME AMOUNT OF CLAIM DATE CLAIM WAS SUBMITTED STATUS Again, we only need this information for claims that you received between July 1, 20XX and
the date of this letter. Please forward all responses to this request to: John Doe
c/o ABC FCU12 Wayward RoadNebraska City, Nebraska 08065
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Duties & ResponsibilitiesDuties & Responsibilities
Plan Annual Audit & Follow-upReview Returned MailConfirm Collection AccountsConfirm Death ClaimsMaintain Visibility
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Internal Review ProgramInternal Review Program
The Supervisory Committee is the audit committee for the ABC Federal Credit Union. In that capacity, the committee will engage in regular activities that are intended to monitor the overall operation of the credit union. The structure of this committee will be compliant with the Federal Credit Union Act and the bylaws of the ABC Federal Credit Union. Accordingly, the committee will be responsible for the following:
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Internal Review ProgramInternal Review Program
Report all committee activities to the board of directors
Maintain minutes for all committee meetings. Annually review the internal controls Annually follow-up with Supervisory Committee audit findings
Annually follow-up with NCUA examination findings Annually review the credit union’s strategic business plan.
Quarterly perform surprise cash counts. Quarterly perform verification of deposits in transit Quarterly perform a review of teller activity. Quarterly review negative share report. Quarterly review a sample of loan files for compliance. > Monthly to monitor board activity
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Identity Theft Identity Theft (Ijacking)(Ijacking)
It is the use of another person’s identification, credit, or other data that involves fraud or deception, and economic gain is realized in the name of the victim. Unlike fingerprints, that are unique to each individual, personal data, like social security numbers, bank accounts or credit card numbers, telephone calling card numbers and other valuable identifying data can be used.
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Identity Theft On The Identity Theft On The RiseRiseRecent reports put the numbers of ID Theft at 9.9 million per year… Insurance Journal January 2010
–5% of the adult population in America
–Cost $50 billion annually.
–1 out of 4 Americans fall victim to ID Theft.
–1000 cases of ID Theft occur each day.
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10 Most Risky Cities for 10 Most Risky Cities for IjackingIjacking
1) San Francisco2) Seattle 3) Denver4) San Jose5) San Diego 6) Atlanta 7) Salt Lake City8) Las Vegas9) Sacramento 10) Phoenix Sperling’s Best Places
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10 Least Risky Cities 10 Least Risky Cities for Ijackingfor Ijacking
41) Rochester42) Providence43) Cincinnati 44) Cleveland45) Virginia Beach46) New Orleans 47) Birmingham48) Louisville 49) Buffalo50) Pittsburgh
Sperling’s Best Places
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Justices Limit Use of Justices Limit Use of Identity Theft Law Identity Theft Law
The Supreme Court on Monday rejected a favorite tool of prosecutors in immigration cases, ruling unanimously that a federal identity-theft law may not be used against many illegal workers who used false Social Security numbers to get jobs. …..NY Times May 4, 2009
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The LawThe Law
•Identity Theft and Assumption Deterrence Act of 1998
•Gramm-Leach-Bliley Act (GLBA) requires that financial institutions have policies, procedures, and controls in place to prevent and detect fraudulent access to such information.
•Red Flag Rule
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Best Practices For CUsBest Practices For CUs
•Protect your member information.•Verify new accounts with a Member Identification Program•Verify and review address changes. Confirm old addresses or a simple callback to phone numbers on file.•Carefully review loan documents and compare social security numbers, addresses and employer names on application and the credit report.•Conduct a “System Penetration Test”.
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Best Practices For CUsBest Practices For CUs•Train all staff on security and privacy protection.•Policies should include steps to help victimized members.•Conduct criminal and civil background checks before hiring employees.•Don’t use SS# as employee ID numbers on paychecks, time cards, staff badges, etc.•Restrict system access to sensitive personal data to only those who need the information.
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Best Practices For CUsBest Practices For CUs
•Ensure proper disposal of sensitive information.•Inform your members about business identity theft such as vandalized or mimicked Web sites. •Educate your members that financial institutions do not contact members to request or verify security information.•Consider software/hardware that regularly monitors the database to detect unusual financial patterns and activity.
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Best Practices For CUsBest Practices For CUs
•Have a written privacy policy, adequately communicate the policy and provide training.•Lock up and limit access to personnel files.•Provide a secure location for employees to store their purses, documents, briefcases, etc. at the workplace.•Ensure that your vendors are protecting confidential employee data.
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Internet Scams & FraudInternet Scams & Fraud
Phishing/Pharming – Educate your members
Age-targeted Scams – Youths and seniors
Counterfeiting – Currency & DraftsRecords/Systems Hijacking – Zombie Programs
- designed to steal data, damage web sites, slow response time
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Useful ResourcesUseful Resourceshttp://www.IdentityTheft.orghttp://www.ncua.govhttp://www.internetfraud.usdoj.gov/ http://www.antiphishing.org/ NCUA Guide for Supervisory CommitteesNCUA Federal Credit Union BylawsNCUA Rules & Regulations
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Managing The CommitteeManaging The Committee
Work As Committee & Individually Delegate To Staff Outsource Plan
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PlanningPlanning Use The Entire Year Don’t Try To Complete Everything At Once Have A Schedule (less than 30 min per month)
Let’s Look At A Sample Year
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Month 1Month 1
- Appoint committee members to positions
- Introduce Training Resources- Schedule Activity for the year
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Month 2Month 2
- Cash Count Training- Elect one designee to review Accounting Checklist with management.
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Month 3Month 3
- Report on accounting checklist- Elect one to confirm collection accounts
- Elect one to confirm death claims
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Month 4Month 4
- Report on collection accounts- Report on death claims- Elect one to coordinate collection of returned mail
- Do surprise cash count(s)
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Month 5Month 5
- Report on plans to collect returned mail
- Report on cash count(s)- Meet with audit firm to discuss timing & scope
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Month 6Month 6- Report on audit plans- Attend or coordinate a “HOW TO APPROVE A LOAN” training program.
- Elect one to review minutes
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Month 7Month 7
- Report on training status- Report on board minutes (or activity)
- Committee review of returned mail
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Month 8Month 8
- Have management or audit firm train committee on bank reconcilements
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Month 9Month 9
Committee Review Of Loan Files
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Month 10Month 10
- Report On Loan File Review- Perform surprise cash count- Solicit audit bids or engage audit firm
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Month 11Month 11
- Report on cash count- Report on audit plans- Attend educational workshop
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Month 12Month 12
- Report on training- Review completed audit report and discuss corrective action with management.
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Thank YouThank You
- And the door prize winner is…