Latest Operations - Marketing Topics

APY accuracy in ads and rate sheets

12/22/2024

With high interest rates, we've seen a fluctuation in APYs on our CD products due to our rate sheet and advertisements being static, but the APY can differ depending on the opening amount and date opened, causing a discrepancy from what's posted. Is it sufficient to disclose that the APY is subject to change based on [X] factors?

Appraisal Bias and the risk to your fair lending program

12/15/2024

How can appraisal bias effect my fair lending program? We use a third-party

The digital divide, redlining and fair lending programs.

12/08/2024

How can digital email cause my institution redlining issues?

Must I file a SAR on our cannabis customer?

12/01/2024

Must we file a SAR on a cannabis customer even if nothing suspicious is going on?

AI Example of Fair Lending Violation

09/29/2024

What is one example of AI going wrong in marketing?

AI, AML and Fraud Detection

09/29/2024

Will AI be useful in avoiding fraud and AML problems?

SAFER Act vs SAFE Act

09/22/2024

I’m so confused! I keep hearing about the “SAFER Banking Act”. How is that different from the “SAFE Act” from several years ago? Is it being updated?

Deposit Agreements that Enhance Reg E

04/07/2024

We had a problem with debit card claims so we modified our deposit agreement. If they don’t cooperate in the claim process, we can deny it. Do you think this solves the problem?

Is it OK to do just a little bit of cannabis banking?

02/18/2024

Management would like to cautiously bank “just one really good” customer who is getting into cannabis sales. Can we ease into it like this, and if so, what should we focus on?

Effective date of the FDIC’s revised Advertising of Membership rule

02/18/2024

When are the FDIC’s revised rules effective?

Vendor Guru Q&A - Operations

Financial impact of outdated check processing systems

Relevancy of checks

Working through a document backlog

Types of document backlogs

Exceptions and temporary signature cards

Secure document sharing with account holders

Real-Time Transaction Level Check Processing

Information lifecycle management

Exception categorization strategy

Omni-channel banking and technological change

Estates are a Nondesignated beneficiary—what does that mean?

12/22/2024

Beneficiaries of an IRA are deceased, does the estate become a beneficiary?

APY accuracy in ads and rate sheets

12/22/2024

Financial impact of outdated check processing systems

12/22/2024

How does an outdated check processing system negatively impact bottom line performance?

After Hours Change Orders

12/15/2024

We're exploring the idea of cash lockers - night drop meets ITM (similar to Amazon lockers at Whole Foods). The concept is for commercial clients to be able to pick up change orders after hours. Have you heard of this anywhere or know of any best practices?

Relevancy of checks

12/15/2024

Are checks still relevant in today’s digital payment era?

Latest Operations - Marketing Topics

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