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FinTech and Financial Disruption

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Fintech disruption image

For many banks, finding partnerships with FinTech firms can be a daunting task.  This FinTech Webinar will focus on the latest developments in Fintech and will discuss case studies on FinTech companies.

There is a small but growing number of banks that have positioned themselves as early adopters of new financial technology. Then there are those who are not far behind, but there are also those who are late adopters.

Attendees to this exciting banking webinar will get to:

  • Explore the latest fintech developments
  • How fintech has improved and benefited banks and they will continue to do so in the future
  • Learn how banks who haven’t adopted fintechs will fall behind in terms of customer relationships and their user experience.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Thursday, December 6, 2018

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

1.2 AAP Credits
1.0 CPE Credits

Your Speaker(s)

Bryan Adler
CEO, Co-Founder, Vetter

Bryan Adler Vetter

About the Speaker

Bryan is an Entrepreneur-in-Residence at Altpoint Capital and the Co-Founder & CEO of Vetter, an Altpoint portfolio company. His focus and passion is centered around the macro and practical dynamics of the lending industry across the United States. Prior to working with Altpoint, Bryan spent two years at Dreamit Ventures, a leading early stage enterprise-focused venture capital firm, as an Investment Team Member. Prior to Dreamit Ventures, Bryan was at UBS Investment Bank where he advised financial technology companies and community banks. As a self-proclaimed health and wellness nerd, Bryan is involved with various nonprofit organizations focused on wellness education and increasing access to healthy foods to underserved populations. Bryan holds a Bachelor’s degree in Accounting from Baruch College

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Remote Deposit Capture RDC for 2019 – Rules, Regs, Risks and Reg CC

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RDC Remote Deposit Capture

This all new RDC webinar, from BankersHub who created the original “RDC – Rules and Regs” webinar, will take attendees through all applicable laws, regulations and evolving risks specific to remote deposit capture services for preparing you and your institution for 2019.

Rules covered include FFIEC Guidance, Regulation J, Check 21, RDC commercial agreements, mobile agreements, participant and the roles of NACHA, ECCHO and participants in the RDC chain.

Participants will also hear lessons learned from the implementation of Regulation CC from challenges of implementation, remaining issues/opportunities and best business practices for ensuring compliance with Regulation CC.

Topics Covered:

  • RDC Applicable Laws
  • Risk Management and Internal Controls
  • Roles of Participants in the RDC Merchant/Mobile Chain
  • Mobile RDC Agreements
  • Merchant RDC Agreements
  • Lessons Learned from July 1, 2018 Regulation CC Implementation

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Wednesday, December 5, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

1.8 AAP Credits
1.5 CPE Credits

Your Speaker(s)

Terri Sands CAMS AAP
Audit, CFE, ACH, At-Risk Adult Crime (ACT) Specialist and Founder,
Secura Risk Management

Dick Fraher
VP / Counsel to Retail Payments
Fed Reserve Bank Atlanta

Terri Sands Dick Fraher

About the Speaker

Terri Sands serves as the Director of the Financial Investigative Unit for State Bank & Trust in Atlanta, Georgia where she is responsible for BSA/AML, physical security, fraud prevention, and payments risk management. Terri is an Advanced Certified Anti-Money Laundering Specialist, an At-Risk Adult Crime Specialist and an Accredited ACH Professional. Prior to founding Secura, Terri served as co-founder of Payments Information Circle (PIC), a service organization providing payments industry education, auditing, consulting, resources, and support services to financial organizations throughout the country. Prior to her work at PIC, Terri also served as the President of GACHA, a non-profit, regional payments association where she provided strategic direction for financial institutions in the payments industry. Terri began her career in payments as a Senior Analyst with the Federal Reserve Bank of Atlanta where she provided training throughout the Sixth District and served on the Federal Reserve ACH Conversion Team that consolidated ACH Services for all branch locations in the Sixth District.

Dick Fraher, who joined the Federal Reserve Bank in 1998, is responsible for all legal matters affecting the Retail Payments Office including all legal questions concerning Reserve Bank retail financial services such as checks, ACH or adjustments.  Prior to becoming counsel for the Federal Reserve Bank, Fraher was responsible for all legal matters involving Check Relay and represented the Bank in a wide range of contracting matters, administrative proceedings and litigation. He was instrumental in the Thomas case, in which the Bank won a significant victory from the United States Court of Appeals for the 11th Circuit. Fraher was a senior attorney for the Federal Deposit Insurance Corporation. Fraher earned a Bachelor of Arts degree from Wright State University, a master’s degree from the University of Wisconsin-Milwaukee, a master’s degree and a Ph.D. from Cornell University and a doctor of law degree from Harvard University.

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ACH Third Party Senders: NACHA Operating Rules, OCC Third Party Guidance, and Best Business Practices

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This payments webinar focuses on the risk management necessities for banking ACH Third Party Senders and highlights regulatory requirements for the financial institutions and its Third-Party Sender.

Areas covered include:

  • Definitions and useful tools to identify a ACH Third Party Sender during due diligence;
  • Best practices for ACH 3rd Party Sender requirements based on ACH network Rules, BSA/AML requirements and regulatory guidance;
  • Assigning appropriate risk scoring in your AML system to monitor the ongoing risks;
  • Regulatory exam expectations for ACH Third Party Senders.

Who Should Attend:

  • Payments Professionals
  • Treasury Sales and Support
  • Electronic Banking Management/Staff
  • Deposit Operations Management/Staff
  • Risk Management and Internal Auditors
  • Compliance Management/Staff
  • Executive and Senior Management

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally. Event recorded previously.

Dates of Event

Thursday, November 15, 2018

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Terri Sands AAP CAMS
Founder, Secura Risk Management

About the Speaker

Terri Sands is a recognized leader in the Payments industry with decades of hands-on experience in payments compliance, risk management and more. She founded Secura Risk Management 8 years ago to deliver education, consulting and auditing services in the areas of payments risk management (ACH, RDC, Wire Transfer, Debit Cards), BSA/AML, fraud prevention, and physical security for financial institutions and FinTech companies.

Terri is also Director of Payments Risk Management at State Bank & Trust (GA). Previously, she was Managing Director of Payments Information Circle, President of GACHA, and Training Manager for ACH Services at the Federal Reserve Bank. Terri has been an instructor for BankersHub for almost ten years.

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ACH Death Notification Entries (DNEs) and Reclamations – Your Bank’s Liability

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Processing ACH payments from the Federal Government can be challenging! This session will outline details on when account holders are deceased and what your responsibilities are to the Federal Government if they are receiving benefit payments. The NACHA Operating Rules still apply when processing these payments but the Green Book outlines the exceptions when handling DNEs (Death Notification Entries) and Federal Government Reclamations. Examples where we will apply the exceptions help bring the details to life.

Attendee Takeaways:

  • What is the Green Book, where is it located and where in the Green Book do I find details on DNEs and Government Reclamations
  • Details on processing Death Notification Entries
  • Timeframes on returning ACH Entries when account holders are deceased
  • Descriptions of Return Reason Codes to use when returning benefit payments for deceased account holders
  • How to handle and process Federal Government Reclamations
  • Timeframes for responding to Government Reclamations
  • Difference between Commercial and Government Reclamations

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Wednesday, November 14, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 1.8 AAP Credits
  • 1.5 CPE Credits

Your Speaker(s)

Donna Olheiser, AAP
VP Education, Dynamic Mastership
Donna Olheiser

About the Speaker

Donna, the Vice President of Education Services for Dynamic Mastership, is a Certified Master Trainer and an experienced Project Manager, with over 14 years’ experience managing education programs for organizations processing electronic payments and financial institutions operations areas. Prior to founding Dynamic Mastership 3 years ago, Donna served as the Education Services Director for UMACHA for 9 years. Donna began her career serving as Training and Development Specialist for the Federal Reserve Bank, Minneapolis.

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Biggest Advantage Community Financial Institutions Don’t Realize They Have

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Data Collection

66% of lenders agree that the biggest challenge to portfolio profitability and growth is data collection and management. 30% of regulatory enforcement are due to data related credit administration problems.

This community banking webinar will discuss the benefits banks can yield from proper data collection and how management can implement a plan to capitalize on it.

With data collection costs reaching and average of $500,000 per bank annually, data collection is a huge part of their business and an area in which they can save a lot of money with the proper methods.

Attendees to this exciting banking webinar will get to:

  • Discover ways your bank can easily collect data at no cost.
  • Learn how to use your data as an asset.
  • Explore all the benefits that banks can gain from the correct data collection procedures and implementation.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Wednesday, November 14, 2018

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

1.2 AAP Credits
1.0 CPE Credits

Your Speaker(s)

Bryan Adler
CEO, Co-Founder, Vetter

Bryan Adler Vetter

About the Speaker

Bryan is an Entrepreneur-in-Residence at Altpoint Capital and the Co-Founder & CEO of Vetter, an Altpoint portfolio company. His focus and passion is centered around the macro and practical dynamics of the lending industry across the United States. Prior to working with Altpoint, Bryan spent two years at Dreamit Ventures, a leading early stage enterprise-focused venture capital firm, as an Investment Team Member. Prior to Dreamit Ventures, Bryan was at UBS Investment Bank where he advised financial technology companies and community banks. As a self-proclaimed health and wellness nerd, Bryan is involved with various nonprofit organizations focused on wellness education and increasing access to healthy foods to underserved populations. Bryan holds a Bachelor’s degree in Accounting from Baruch College

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Documenting Wire Transfer Risk Assessment

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Wire Transfer Operations Risk

Sample Slide from Presentation Deck

The FFIEC requires that financial institutions manage the risks associated with using the wire transfer networks to transmit wholesale payments. Wire program controls have been criticized by regulators based on controls that while years ago were effective are now no longer sustainable. Over the past several years, there have been significant cybercrime related incidents that have drawn the attention to internal controls of a financial institutions wire transfer program.

This banking webinar on wire risk will take attendees through all related risks and provide useful tools to complete your wire transfer risk assessment.

Elements Covered:

  • Wire Transfer Risks Reviewed
    • Definitions and Wire Process Flow
    • Different Types of Wire Transfers Explained
  • Types of Risks Explained and Best Practices for Mitigation
    • Credit Risk
    • Operations Risk
    • Fraud Risk
    • Reputational Risk
    • Legal and Compliance Risk
    • Third Party Risk
  • Tips for Completing a Strong Risk Assessment

Who Should Attend?

  • Internal Auditors
  • Compliance Officers
  • Risk Managers
  • Wire Transfer Supervisors
  • Electronic Banking
  • Deposit Operations
  • Branch Management
  • Senior Management
  • Enterprise Risk Management

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally. Event previously recorded.

Date of Event

Tuesday, November 13, 2018

  • 2:00 – 3:00 pm (Eastern Time)
  • 1:00 – 2:00 pm (Central Time)
  • 12:00 – 1:00 pm (Mountain Time)
  • 11:00 – 12:00 pm (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Terri Sands AAP CAMS
Founder, Secura Risk Management

About the Speaker

Terri Sands is a recognized leader in the Payments industry with decades of hands-on experience in payments compliance, risk management and more. She founded Secura Risk Management 8 years ago to deliver education, consulting and auditing services in the areas of payments risk management (ACH, RDC, Wire Transfer, Debit Cards), BSA/AML, fraud prevention, and physical security for financial institutions and FinTech companies. 

Terri is also Director of Payments Risk Management at State Bank & Trust (GA). Previously, she was Managing Director of Payments Information Circle, President of GACHA, and Training Manager for ACH Services at the Federal Reserve Bank. Terri has been an instructor for BankersHub for almost ten years.

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Regulation E Dispute Training – ACH Unauthorized, Stop Payments, Debit Card and ATM Disputes

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Reg E DisputeRegulation E is often time the most confusing regulation for the front line and back office to understand; however, it is a regulation that is significant and can negatively impact your consumer.

This payments training webinar will breakdown the common confusion for handling ACH unauthorized, Stop Payments, and Debit Card disputes and assist you and your team to understand error resolution, consumer liability and financial institution responsibility for unauthorized transfers and stop payments.

Topics Covered:

  • Overview of Regulation E
  • Overview of NACHA Operating Rules for handling ACH unauthorized and stop payments
  • Timing requirements for handling ACH and Debit Card Disputes
  • Stop payment requirements for ACH
  • Closing an investigation
  • Handling a dispute when the investigation proves the item was in fact authorized
  • Best business practices for handling Regulation E investigations

Who Should Attend?

  • Retail Management
  • Deposit Operations
  • Regulation E Investigators
  • Enterprise Risk Officers
  • Risk Managers
  • Compliance Officers
  • Internal Audit Staff
  • Senior Management

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally.

Dates of Event

Thursday, November 8, 2018

  • 2:00 – 3:00 pm (Eastern Time)
  • 1:00 – 2:00 pm (Central Time)
  • 12:00 – 1:00 pm (Mountain Time)
  • 11:00 – 12:00 pm (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Terri Sands AAP
Founder, Secura Risk Management

About the Speaker

Throughout her career, Terri has served as a leader in the payments and fraud prevention industry, providing education, risk management and compliance consulting and support services geared toward the specific needs of financial organizations.  Terri serves as the Director of the Financial Investigative Unit for State Bank & Trust in Atlanta, Georgia where she is responsible for BSA/AML, physical security, fraud prevention, and payments risk management.

Terri is an Advanced Certified Anti-Money Laundering Specialist, an At-Risk Adult Crime Specialist and an Accredited ACH Professional. Prior to founding Secura, Terri served as co-founder of Payments Information Circle (PIC), a service organization providing payments industry education, auditing, consulting, resources, and support services to financial organizations throughout the country. Prior to her work at PIC, Terri also served as the President of GACHA, a non-profit, regional payments association where she provided strategic direction for financial institutions in the payments industry. Terri began her career in payments as a Senior Analyst with the Federal Reserve Bank of Atlanta where she provided training throughout the Sixth District and served on the Federal Reserve ACH Conversion Team that consolidated ACH Services for all branch locations in the Sixth District.

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Making Bank-at-Work Work for Your Bank (or Credit Union!)

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How to launch a Bank-at-Work program that works for your customer and your institution 

Virtual and Digital Only CustomersFinancial technology is advancing every month, with innovations  embraced by more and more customers, especially younger generations and the emerging affluent. This is resulting in fewer customers ever coming to branches at all and bankers now struggling with how to reach them for ongoing sales and service.

The Bank-at-Work Solution TODAY! As a result, many financial institutions are reconsidering a solution that’s been around a long time… Bank-at-Work or Workplace Banking programs. And why not? By focusing on current business customers, you can create programs and events that both benefit your business customer while appealing to individuals who will find banking where their employer does convenient. Bank-at-Work has been an effective channel for banks to acquire new clients, deepen relationships and generate incremental revenue. But fully leveraging the channel requires that banks maintain a cohesive structure around the workplace program.

There are a lot of questions around best practices and approaches to successful Bank-at-Work programs and this banking webinar will cover them in detail.

Attendees to this banking webinar will learn:

  • The changing demographics of younger customers and emerging affluentThe fundamental components of the Bank-at-Work approach
  • How Bank-at-Work addresses industry-wide challenges and revenue growth at a time when customers are shifting away from brick-and-mortar
    • Putting bankers in front of prospects and customers who no longer visit branches
  • Ways for providing access to employees including:
    • Computer -in-break room
    • ATM at-business
    • Mobile access and mobile banking
  • The importance of the lending function to business customers’ employees
  • The critical keys to success through targeted marketing and relationship management
  • Other considerations for making Bank-at-Work successful for the institution AND its business customer owners/employees

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Wednesday, November 7, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 1.8 AAP Credits
  • 1.5 CPE Credits

Your Speaker

David Peterson
President, U.S. Dataworks

Michael Beird – Moderator
Co-Founder, BankersHub

About the Speaker

David Peterson is President of U.S. Dataworks, serving on the board of several industry related companies and associations, and is a serial entrepreneur with start-ups in retail and professional services.

David has inspired international audiences to rethink how innovation happens in their organization. He helps business leaders foster a culture of innovation that capitalizes on workforce diversity and instills accountability for driving growth. As the founder and CEO of Goldleaf Technologies, a leading provider of electronic payments software and a pioneer in the fintech industry, David understands the critical need to combat status-quo thinking to achieve sustainable profits and competitiveness in any industry.

David is the author of the best-selling book Grounded: Anchored Management for Strategic Leadership and Effective Decision-Making (Little River Publishing, 2016). His approach to strategic innovation has been praised by everyone from C-Suite executives to entrepreneurs to millennials.

Michael Beird is Co-Founder of BankersHub, the industry’s leading online training provider for financial services. Prior to BankersHub, Michael was Practice Director of Banking and Credit Card Research for J.D. Power. He advises Retail Banking executives on workforce management, retail policies and procedures, capacity planning and re-engineering at institutions across four continents since ’93. He was VP of Resource Engineering for Shawmut Bank Boston and began his career in Branch Management and Audit at Bank of America.

 

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FinTech Payments Primer for Community Banks

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What Fintech is; Why it is Important; and How FinTech Works with Community Banks

FinTech companies are changing the way payments are moving using data analytics and streamlined payment rails to move payments faster. FinTech disruptors are different than FinTech partnerships for financial institutions. Community banks are beginning to document their payments strategies that will move money faster while adding data analytics to combat fraud in a real-time environment.

This payments webinar will focus on the difference between competing with FinTechs and partnering with FinTechs. Learn how community banks are approaching their strategic position in the quest for embracing efficiencies, scalability and the need to compete with larger financial institutions and companies. Also learn about the most common areas within a financial institution that FinTechs are utilized today.

Topics Covered:

  • FinTech defined
  • Disruptors vs. Partnerships
  • Community Bank approach to faster payments strategy

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally. Event recorded previously.

Dates of Event

Wednesday, November 7, 2018

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Terri Sands AAP CAMS
Founder, Secura Risk Management

About the Speaker

Terri Sands is a recognized leader in the Payments industry with decades of hands-on experience in payments compliance, risk management and more. She founded Secura Risk Management 8 years ago to deliver education, consulting and auditing services in the areas of payments risk management (ACH, RDC, Wire Transfer, Debit Cards), BSA/AML, fraud prevention, and physical security for financial institutions and FinTech companies. 

Terri is also Director of Payments Risk Management at State Bank & Trust (GA). Previously, she was Managing Director of Payments Information Circle, President of GACHA, and Training Manager for ACH Services at the Federal Reserve Bank. Terri has been an instructor for BankersHub for almost ten years.

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Auditing Your Payments and BSA/AML Program for Elder Financial Exploitation Gaps

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Today, elder financial exploitation has increased based on the significant wealth in the elder population.  Regulatory expectations have also increased based on the impact of this type of crime.

This session will focus on the basics of elder financial exploitation, federal rules and regulations, specific state laws, and an outline detailing focal areas for verifying compliance with regulatory guidance and expectations including your payments programs and BSA/AML. Best Business Practice Document – As a best business practice take-away, this session will include a white paper written by the speaker of this webinar on auditing a financial institution’s elder financial exploitation program.

Topics Covered:

  • Elder Financial Exploitation exposure
  • Regulatory Guidance and Expectations
  • CFPB Guidance on Elder Financial Exploitation
  • Auditing Systems to identify elder financial exploitation
  • Reviewing Training requirements
  • Auditing first line of defense areas to identify elder financial exploitation
  • Reviewing fraud prevention plans

Who Should Attend?

  • Internal Auditors
  • Compliance Officers
  • Risk Managers
  • Deposit Operations
  • Branch Management
  • Senior Management

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally. Event previously recorded.

Dates of Event

Tuesday, November 6, 2018

  • 2:00 – 3:00 pm (Eastern Time)
  • 1:00 – 2:00 pm (Central Time)
  • 12:00 – 1:00 pm (Mountain Time)
  • 11:00 – 12:00 pm (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Terri Sands AAP
Founder, Secura Risk Management
Terri Sands

About the Speaker

Throughout her career, Terri has served as a leader in the payments and fraud prevention industry, providing education, risk management and compliance consulting and support services geared toward the specific needs of financial organizations. Terri serves as the Director of the Financial Investigative Unit for State Bank & Trust in Atlanta, Georgia where she is responsible for BSA/AML, physical security, fraud prevention, and payments risk management.

Terri is an Advanced Certified Anti-Money Laundering Specialist, an At-Risk Adult Crime Specialist and an Accredited ACH Professional. Prior to founding Secura, Terri served as co-founder of Payments Information Circle (PIC), Prior to her work at PIC, Terri served as the President of GACHA, a non-profit, regional payments association. Terri began her career in payments as a Senior Analyst with the Federal Reserve Bank of Atlanta where she provided training throughout the Sixth District and served on the Federal Reserve ACH Conversion Team that consolidated ACH Services for all branch locations in the Sixth District. Terri has been an instructor for BankersHub for almost ten years.

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