On July 31, 2019 Karen Cullen, director in the Regulatory Compliance and Fair & Responsible Lending practices, presented a webinar entitled, Health Check of Your Fair Lending Program: Connecting Risk Assessment and Performance Analysis for the Western Bankers Association. In this webinar, participants discovered how risk assessment drives the priority of performance analysis and, in turn, how performance analysis should factor in determining control effectiveness and overall residual risk. Effectively connecting these two components enable the institution to successfully navigate the challenging environment of fair lending compliance.
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.
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.
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.
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.
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.
Western Bankers Association (WBA) – 2018 HMDA Webinar

On December 11th, 2018 Heidi Wier presented a webinar for the Western Bankers Association on HMDA Data Integrity – Leveraging Technology to Ensure Your HMDA Data Is Accurate. Participants learned how to manage HMDA risk, how leveraging technology can help increase the accuracy of HMDA data, and how to test for issues before the regulators do to avoid resubmissions.
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.
Total Training Solutions and CU Webinars – 2018 HMDA: Trust but Verify Webinar

On December 4th, 2018 Heidi Wier presented a webinar through Total Training Solutions and CU Webinars.com on the methods credit unions can use to ensure that their HMDA data is accurate. This webinar was beneficial for anyone who has responsibility for HMDA data integrity or analyzing the information to help manage fair lending risk, including senior management, compliance officers, attorneys and auditors.
California Mortgage Bankers Association (California MBA) – 2018 Legal Issues and Regulatory Compliance Conference

At the California MBA Legal Issues and Regulatory Compliance Conference in Newport Beach California, December 3–4, 2018, Monika McCarthy, managing director and general counsel, moderated the General Counsel Roundtable with the following panelists: Je Yon Jung, AmWest Funding Corp., Tom Noto, Stearns Lending, Lauren Ingersoll, Inspire Home Loans, and Ken Block, New American Funding.
Western Bankers Association (WBA) – 2018 Overdraft Programs, Compliance Best Practices Webinar


On November 29th, 2018, Heidi Wier and Jim Treacy presented a webinar program entitled Overdraft Programs, Compliance Best Practices. Attendees of this webinar learned the regulatory ‘requirements’ relating to overdraft programs as well as the regulatory ‘guidance’ and best practices on the topic.
Chicago Bar Association – Financial Institutions Committee 2018 Fair Lending Presentation

On November 14th, Liza Warner, managing director, presented Preparing for Internal and External Fair Lending Audits as part of a panel on Fair Lending Enforcements, Audits, and New Frontiers to the Financial Institutions Committee. The panel included Illinois Assistant Attorney General Vijay Raghavan and John Mussman, Rimon P.C., Partner.