Bio:
Kathleen Blanchard has over 32 years of experience in banking. She has developed lending and regulatory processes as a banker and consultant and presents detailed regulatory training that is very process specific. Her banking background includes commercial and private banking lending, credit review, credit policy and procedures, risk management and regulatory compliance at both community, regional and large international banks.
Kathleen has been providing training and consulting services for banks, credit unions and non-bank lenders on their regulatory compliance processes, HMDA and CRA reporting, process development and training since 2006. She is a Certified Regulatory Compliance Manager and a BOL Guru for BankersOnline.com. Kathleen presents her views and advice on HMDA and CRA and other regulatory matters at her website, www.kaybeescomplianceinsights.com
Since 2015, Kathleen has been delivering in depth regulatory compliance consulting and training via The HMDA Academy, a unique personalized combination of consulting, training and resources delivered online to assist financial institutions and vendors in learning and applying the revised HMDA process and rules going into effect in 2017 and 2018.
Areas of Expertise:
AML/BSA Independent Audits
Compliance Audits
Compliance Consulting
Compliance Review
CRA
HMDA Analysis
Questions Answered
11/12/2007
Our internal auditor recommended adding policies and procedures for monitoring safe deposit box and ATM activity to our BSA Policy. I am having trouble finding any agency recommendations for this activity. Do you know where they can be located?
11/12/2007
I have a very technical GLBA question. It is my understanding that if all employees of the bank are required to have deposit accounts then they are also considered a customer under GLBA. If there happened to be a breach of employee nonpublic information through the HR department, say the payroll vendor was compromised and all employees' social security numbers were released, would this not be considered a breach under GLBA and notification required to the affected customers (employees) along with notice to our regulators? Is it possible since the breach occurred through HR department and was of employees' nonpublic information that it is not defined as a breach under GLBA?
11/05/2007
When filing a SAR on a business with only one owner, do you need to file on the business alone or the owner as well? The owner did all the transactions in this particular situation.
11/05/2007
We have recently added several tellers to the foreign currency area of the money room. What are the "best practices" regarding operational controls over the inventory? Do tellers transfer stock back and forth with a head teller to process orders and incoming transfers or am I thinking too much in the box and trying to replicate ordinary practices from the commercial side of the money room?
11/05/2007
Would it be safe to state that a POA should not be able to open a safe deposit box in the capacity of the POA and then add herself as a co-renter to a safe deposit box?
11/05/2007
What are the rules governing bank accounts opened by mail? Where can I find this information online?
11/05/2007
Can a person have an automatic transfer set up for overdraft to come from his or her personal account to his or her business account?
10/29/2007
We are in the process of choosing a new security officer, is it a requirement that the security officer be an officer of the bank or can the bank designate an employee?
10/29/2007
What restrictions are placed on opening an account for a nonresident with a H2B visa?
10/22/2007
I’m looking for a flyer or a good source of information that would help our employees recognize counterfeit bills. Any ideas?
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