Northern Illinois Compliance Association (NICA) – 2019 July Meeting
On July 19, 2019 fair lending expert, Karen Cullen spoke at NICA’s July meeting. Her presentation, Health Check: Fair Lending, addressed how to understand your fair lending risk and right size your compliance.
Central Florida Compliance Association (CFCA) – 2019 Overdraft Programs, Compliance Best Practices Webinar
On July 10th, 2019 Jim Treacy presented a webinar entitled, Overdraft Programs, Compliance Best Practices. Jim is a CPA and a Certified BSA Officer with over 20 years of operational, financial and compliance experience in the financial services industry.
How to Maintain Fair and Responsible Servicing Practices
The cover story of the July-August issue of ABA Bank Compliance magazine, How to Maintain Fair and Responsible Servicing Practices, was co-authored by Liza Warner and Karen Cullen. In this article, the authors address how compliance officers can guide their organizations in successfully navigating an evolving compliance landscape by identifying and mitigating compliance risk in all aspects of account servicing, including fair lending and UDAAP. Weaving regulatory requirements throughout the servicing process will enhance service quality and make sure the organization exceeds customer expectations, differentiates itself in the marketplace and avoids regulatory land mines.
Chicagoland Compliance Association (CCA) – 2019 Fair Lending and CRA Symposium
On July 26, 2019 Karen Cullen, director in the Regulatory Compliance and Fair & Responsible Lending practices, spoke about what’s next in fair lending. Her presentation covered AI and the fair lending risk associated with using models; even when one thinks there is no discretion in decision.
Iowa Mortgage Association (IMA) – 2019 Mortgage Boot Camp
Tracey Levandoski presented What You Need to Know as a Mortgage Lender at the Iowa Mortgage Association Boot Camp held May 16-17, 2019.
Mortgage Bankers Association (MBA) – 2019 Legal Issues and Regulatory Compliance Conference
On Monday May 6th, 2019, Monika McCarthy, managing director and general counsel, participated on a panel at the MBA’s Legal Issues and Regulatory Compliance Conference. This panel was part of the Applied Compliance Track and specifically addresses UDAAP Compliance. The other panelists included Anthony (Tony) Alexis, partner at Goodwin; Michelle Rogers, partner at Buckley LLP; and Stephanie Robinson, partner at Mayer Brown LLP. There was also be a roundtable Q&A session which explored this topic in more detail.
We are Change Leaders – Adapting and Advancing in the Evolving Financial Services Landscape
The cover story of the 2019 May-June issue of ABA Bank Compliance was written by Liza Warner. The article is about adapting and advancing in the evolving financial services landscape. She covers the role that compliance officers play in supporting banks’ strategic goals through change management and provides a framework for how compliance professionals can manage change effectively. The article includes an overview of managing change, both for new or changing products and services, and outlines change management success factors.
Understand Where Your Data and Programs Meet to Control Risk
Published in the April 19, 2019 issue of Compliance Action, this article addresses lessons learned from past fair lending consent orders. Adequate fair lending risk management requires not only awareness of potential fair lending risk, but an understanding of how that risk is affected by the institution’s programs and how those programs are executed. Only then can adequate controls be developed to mitigate the risk and monitoring be developed to gauge the effectiveness of those controls.
Mindset Matters: Are You Set Up for Quality Control Success?
Published in the April 2019 issue of Mortgage Compliance Magazine, this article discusses how decreasing volumes and shifts toward new products have led to a new mindset regarding quality control. How do lenders who are successful with quality control adopt strategies that not only keep them compliant with investor, warehouse lender and regulatory requirements, but also lower costs, improve loan quality, and provide for competitive advantage by allowing them to more rapidly add new products?
Florida Bankers Association (FBA) – 34th Annual Consumer Compliance Seminar
In Orlando, FL on April 5, 2019 Monika McCarthy, managing director and general counsel, presented “Banking Ethics, Governance & Risk Mitigation Best Practices”.
American Bankers Association (ABA) – 2019 Spring Intermediate Compliance School
On April 1st, 2019 in Tucson, AZ, Karen Cullen, director in CrossCheck’s Regulatory Compliance and Fair & Responsible Lending practices, was a panelist at the ABA’s Spring 2019 Intermediate Compliance School. The panel addressed Compliance Hot Topics.
Wisconsin Bankers Association (WBA) – 2019 Real Estate Compliance School
On March 11th, 2019 Jim Treacy, director, and Heidi Wier, managing director, taught Regulation Z, TRID and Ability to Repay. On March 15th Heidi Wier taught HMDA.
Mortgage Bankers Association’s (MBA) – 2019 National Servicing Conference
On Wednesday, February 27th, 2019 Jim Shankle, managing director, participated on a panel, Quality Control for Major Operational Risk Areas, at the Mortgage Bankers Association’s National Servicing Conference. The panel identified the top operational risk areas for servicers and recommended how to ensure adequate quality control. These risk areas include vendor management, customer handling and response, ancillary fees, loss mitigation and more. The panel also recommended ways to organize QC and oversight at a time when servicing costs are being scrutinized.
Ensuring Quality Originations – Is It Time to Review Your Quality Assurance Program and Quality Control Plan?
In the Winter 2019 issue of ACUMA Pipeline, Todd Krell provides insights for credit unions to the question – Is It Time to Review Your Quality Assurance Program and Your Quality Control Plan?
Wisconsin Bankers Association (WBA) – 2019 Mortgage Lending School
On February 19th, 2019 Heidi Wier, managing director, taught the following topics: Regulation Z, Fair Lending, HMDA, Equal Credit Opportunity Act, SAFE Act and Flood, among other topics.
Illinois Mortgage Bankers Association (IMBA) – 2019 Risk Management Committee HMDA Webinar
On Thursday, February 7th, 2019, IMBA’s Risk Management Committee in conjunction with Neighborhood Loans and CrossCheck Compliance, offered a complimentary webinar: HMDA: Submit with Confidence, Keys to Successful Data Integrity. The presenters included Karen Cullen, Director at CrossCheck Compliance and Heidi Wier and Managing Director at CrossCheck Compliance, moderated by Nathan Britsch, Executive VP, Compliance at Neighborhood Loans.
California Mortgage Bankers Association (California MBA) – 2019 HMDA Webinar
On Thursday, January 24th, 2019 Heidi Wier, managing director, and Karen Cullen, director, presented a webinar for the California MBA’s Mortgage Quality and Compliance Committee entitled HMDA: Submit with Confidence, Keys to Successful Data Integrity. Participants learned ways to finalize their LAR submissions and handle last minute integrity issues all while not falling behind with 2019 data.
Fair Lending for Commercial Loans – Within the Sight Lines of the Regulators
Published in the November-December 2018 issue of Western Banker, this article addresses the challenges of doing a fair lending review of commercial lending.
Chicagoland Compliance Association (CCA) – 2018 HMDA Update
On December 7th, 2018 in Chicago, IL, industry experts and front-line subject matter experts provided an update on HMDA related topics. Karen Cullen, director, Regulatory Compliance and Fair & Responsible Lending, spoke on HMDA Data Integrity: Importance of Systemic and Logic Reviews.
Illinois Mortgage Bankers Association (IMBA) – 2018 Year-End Mortgage Market Update
On December 4th, 2018 in Chicago, the IMBA presented an economic and mortgage market overview. Chris Ortigara, director, who chairs the IMBA Secondary Marketing Committee, moderated a panel which included Peter J. Taglia, senior VP, FTN Financial Capital Assets Corporation; Paul Lueken, CEO, Draper & Kramer Mortgage; Jeremy Collett, executive director, Capital Markets, Guaranteed Rate; and Sergio Murer, regional sales executive, Correspondent Lending, Wells Fargo Funding.
