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2014 Breakout Module Summaries

A Loan Analysis Case Study
This module will track the lifecycle of a Commercial Real Estate loan from inception through workout.  Participants will initially review a newly-originated loan, then revisit the loan at a later point in time and assess how changing circumstances have affected the credit and steps that the bank may need to take to deal with these changes.  Through this exercise, participants will gain practical insight into areas to include internal risk ratings, nonaccrual status, TDRs, and impairment analysis.

Bank Secrecy Act/Anti-Money Laundering
This module will cover a number of BSA/AML risk areas and “hot topics” including recent guidance to banks regarding marijuana businesses.  Facilitators will also discuss some of the multi-million dollar fines recently assessed on banks and the BSA/AML Program breakdowns that led to those fines.  The session will also cover risks and guidance regarding third party payment processor relationships and suspicious activity monitoring and reporting.

Consumer Protection 2014:  What You Need to Know
This module will provide information on high risk compliance issues and areas that present risk for consumer harm.  Topics will include third party oversight, Section 5 of the FTC Act (UDAP), flood insurance, and other emerging issues.  The presenters will facilitate interactive discussions to illustrate how risks may be identified.

Emerging Technology
This module will cover advances in technology as well as provide information regarding recent IT events.  Facilitators will discuss recent security breaches, using distributed denial of service to commit fraud, and non-traditional banking (such as prepaid cards and Bitcoin).  Additionally, the session will provide a refresher on mobile banking, vendor management, and electronic Board packages.

Market Risk – The Ripple Effect
This module will look beyond the impact that sensitivity to market risk has on net interest income and will explore how rising interest rates could affect other aspects of bank operations including liquidity and credit risk.  The session will also touch upon non-interest income generating activities, such as mortgage banking in rising rate environments, and will conclude with an overview on developing appropriate risk limits that can help control interest rate risk and the resulting impact of the ripple effect.

Risk Management Red Flags
This module will address some common risk management red flags that are important for Directors to consider in their duties.  Examples will center on several categories including strategic planning, board reporting, lending, audit and controls, insider transactions, and regulatory concerns.

Last Updated 09/15/2014 supervision@fdic.gov