Examiner Training Contacts Forum eBook

Examiner Training Contacts Forum

October 28-30, 2024 Washington, DC

@ www.csbs.org ♦ @csbsnews

CONFERENCE OF STATE BANK SUPERVISORS 1300 I Street NW / Suite 700 / Washington, DC 20005 / (202) 296-2840

October 28-30, 2024 Examiner Training Contacts Forum Washington, DC

ATTENDEES Arkansas State Bank Department Powell, Jack

jpowell@banking.state.ar.us

Delaware Office of the State Bank Commissioner Garey, Carrie

carrie.garey@delaware.gov

Georgia Department of Banking and Finance McCaskill, Rebecca

dmccaskill@dbf.state.ga.us

Idaho Department of Finance Van Engelen, Erin

erin.vanengelen@finance.idaho.gov

Iowa Division of Banking Bergmann, Tracy

tracy.bergmann@idob.state.ia.us

Kansas Office of the State Bank Commissioner Meyers, Lauren

lauren.meyers@osbckansas.org

Massachusetts Division of Banks DeWitt, Jennifer

jennifer.dewitt@mass.gov jennifer.m.haynes@mass.gov

Haynes, Jennifer

Michigan Department of Insurance and Financial Services Hendee, Marissa

hendeem@michigan.gov

Minnesota Department of Commerce Barness, Kasie

kasie.barness@state.mn.us julie.zabel@state.mn.us

Zabel, Julie

Nebraska Department of Banking and Finance Bailar, Darcy

darcy.bailar@nebraska.gov

New Hampshire Banking Department Sabean, Lea

lea.l.sabean@banking.nh.gov

New Mexico Regulation and Licensing Department Financial Institutions Division Moore, Rebecca

rebecca.moore@rld.nm.gov maya.otero@rld.nm.gov

Otero, Maya

North Carolina Office of Commissioner of Banks Ehlers, Anne Rhode Island Department of Business Regulation Specht, Rebecca

aehlers@nccob.gov

rebecca.specht@dbr.ri.gov

Utah Department of Financial Institutions Berrett, Shaun

shaunberrett@utah.gov

Washington State Department of Financial Institutions Carter, Kolby

kolby.carter@dfi.wa.gov james.feeney@dfi.wa.gov lindsay.stenger@dfi.wa.gov

Feeney, James Stenger, Lindsay

Wisconsin Department of Financial Institutions Brandenburg, Ryan

ryan.brandenburg@dfi.wisconsin.gov

SPEAKERS Consumer Financial Protection Bureau Embry, Tedra

tedra.embry@cfpb.gov

Federal Financial Institutions Examination Council Arleth, Joseph

jarleth@fdic.gov

CSBS STAFF Alcala, Alejandro Azizzada, Ghazal Jarmin, Jennifer Jones, Alyce Land, Kelly Mackin, Julia Madison, Rich Martin, Max Milhorn, Brandon Monnet, Sebastien Hoyle, Katie

aalcala@csbs.org gazizzada@csbs.org khoyle@csbs.org jjarmin@csbs.org ajones3@csbs.org kland@csbs.org jmackin@csbs.org rmadison@csbs.org mmartin@csbs.org bmilhorn@csbs.org smonnet@csbs.org arichardson@csbs.org cromano@csbs.org jpic@csbs.org

Pic, Jennifer

Richardson, Amy Romano, Chris

Examiner Training Contacts Forum October 28 - 30, 2024 | All Times Eastern Time CSBS Office Building – Washington, DC

Monday, October 28 12:00 PM – 1:00 PM

Registration

Welcome & Opening Remarks Brandon Milhorn President and Chief Executive Officer Conference of State Bank Supervisors Katie Hoyle Director, Workforce Development Conference of State Bank Supervisors

1:00 PM – 1:30 PM

CSBS Workforce Development Max Martin Senior Vice President and Chief Learning Officer Conference of State Bank Supervisors Amy Richardson Senior Director, Workforce Development Conference of State Bank Supervisors

1:30 PM – 2:45 PM

Katie Hoyle Director, Workforce Development Conference of State Bank Supervisors Chris Romano Director, Workforce Development Conference of State Bank Supervisors

Break

2:45 PM – 3:00 PM

Roundtable Discussion – Training Opportunities & Challenges

3:00 PM – 3:45 PM

CFPB Training Opportunities Tedra Embry Supervision Learning and Development Program Director Consumer Financial Protection Bureau (CFPB)

3:45 PM – 4:20 PM

FFIEC Training Opportunities Joseph Arleth Director, Examiner Education Office Federal Financial Institutions Examination Council (FFIEC)

4:20 PM – 5:00 PM

Networking Reception Location: CSBS Offices (7 th Floor) – Cafe

5:30 PM – 6:30 PM

Tuesday, October 29 8:00 AM – 9:00 AM

Breakfast

State Panel – Leveraging Interns & College Fairs Tracy Bergmann Chief Examiner Iowa Division of Banking

9:00 AM – 9:45 AM

Jennifer DeWitt Chief Administrative Officer Massachusetts Division of Banks

Darcy Bailar Deputy Director – Financial Institutions Nebraska Department of Banking and Finance

Moderator: Katie Hoyle

Break

9:45 AM – 10:00 AM

Roundtable Discussion – Recruitment & Hiring

10:00 AM – 10:45 AM

CSBS Examiner Schools Amy Richardson

10:45 AM – 11:30 AM

Senior Director, Workforce Development Conference of State Bank Supervisors Katie Hoyle Director, Workforce Development Conference of State Bank Supervisors Chris Romano Director, Workforce Development Conference of State Bank Supervisors

Lunch

11:30 AM – 1:00 PM

State Panel – Coaching & Mentoring Tracy Bergmann Chief Examiner Iowa Division of Banking

1:00 PM – 2:00 PM

Lindsay Stenger Chief Learning Officer Washington State Department of Financial Institutions

Moderator: Amy Richardson

Commissioning Process/Framework Jack Powell Certified Training Manager Arkansas State Bank Department

2:00 PM – 2:45 PM

Break

2:45 PM – 3:00 PM

Simulations & Delivery Methods Tracy Bergmann Chief Examiner Iowa Division of Banking

3:00 PM – 4:00 PM

Open Forum

4:00 PM – 4:30 PM

Wednesday, October 30 8:00 AM – 9:00 AM

Breakfast

CSBS Accreditation & Workforce Development Max Martin Senior Vice President and Chief Learning Officer Conference of State Bank Supervisors Rich Madison Vice President, Policy, Education and Testing Conference of State Bank Supervisors

9:00 AM – 10:00 AM

Julia Mackin Program Manager, Examiner Certification Conference of State Bank Supervisors

Alyce Jones Manager, Learning Management System Conference of State Bank Supervisors

“Learn or Treat”

10:00 AM – 11:00 AM

Roundtable Discussion – Workplace Challenges

11:00 AM – 11:45 AM

Closing Remarks Amy Richardson

11:45 AM – 12:00 PM

Senior Director, Workforce Development Conference of State Bank Supervisors Katie Hoyle Director, Workforce Development Conference of State Bank Supervisors

Adjourn

12:00 PM

Internal Use Only

CSBS Workforce Development

Outline

Workforce Development Vision

2025 Calendar of Events

Assessments & Feedback

Learning Roadmaps

Workforce Development Vision

Our Strategy for AWD

Two months ago, we talked about strategies for how to best equip you with the tools necessary to enable and empower your workforce. The Training Contacts Group was established to show the importance of  connectors for feedback loop,  ideation,  needs assessment  more to come in 2025…

Workforce Development Vision

2025 Priorities  Content - Ensuring we have the right content to address the most important needs of the state agencies.  Facilitation - Focus on great and impactful facilitation. Thinking though location/ site strategy to create maximum value, efficiency, and opportunity.  Technology - Streamlining curriculum, creating a clear learning path for each topic as well as the exploration of acquiring a new Learning Management System.  Partnerships - Maximizing value through partnerships with third-party training providers and sister organizations, MTRA and AARMR.  Adding to your toolbox - equipping you and your agency to reinforce what your employee learned in training.

Outline

Workforce Development Vision

2025 Calendar of Events

Assessments & Feedback

Learning Roadmaps

Internal Use Only

2025 Calendar of Events

• Visit the 2024-2025 At a Glance page for dates and registration links or use the QR code below. • Filter by training type or dates.

2024 Attendance Numbers

Examiner Trainings

Meetings & Events 677 NMLS Attendees

Attendees

Events

Agencies

1400

60

51

51

50

1200

48

50

299 state regulators from 62 agencies in 48 states, DC & PR

40

1000

40

39

800

32

30

71 Fly-in Attendees From 37 states

600

9 District Meetings

25

20

18

400

12

10

200

330

556

778

981

1220

0

0

April

June

August

October

Year-End Projection

Internal Use Only

Examiner Trainings Over the Years

60

48

50

46

43

39

40

33

32

30

20

20

10

0

2019

2020

2021

2022

2023

2024

2025

# of Trainings

Outline

Workforce Development Vision

2025 Calendar of Events

Assessments & Feedback

Learning Roadmaps

Internal Use Only

Pre-Assessments

• Implemented in 5 examiner schools • Used to:

• Assess knowledge • Group assignments • Evaluate change

Internal Use Only

Assessments & Feedback

• Assessments: • 8 examiner schools • Feedback: • 5 examiner schools

Internal Use Only

Assessments & Feedback

• OJT Checklists: • Piloting for 2 examiner schools (Bank Analysis & BSA) • OJT is essential • Apply learning from schools • 30, 60, 90 & 120 days after attending schools

Outline

Workforce Development Vision

2025 Calendar of Events

Assessments & Feedback

Learning Roadmaps

Learning Roadmaps

Questions

Internal Use Only

CSBS October 2024

FFIEC Examiner Education Office Update

October 28, 2024

Dr. Joseph Arleth

Internal Use Only

Agenda

New Mission & Vision

Office Reorg

LMS

New event/ streaming tool

New course inputs

Changes to TFEE’s direction

What about the states?

Internal Use Only

Vision

Internal Use Only

Mission

Internal Use Only

EEO Structure 2022

Examiner Education Manager

SPA x 5

TC x 4

TA x 2

OA x 1

Internal Use Only

EEO Structure 2024

Director of Examiner Education

New position

Office Manager (Revised)

Admin, budget, contracting

SPA x 5

No major change

OA x 1 (Tech) Reduce printing & shipping – Add?

TC x 4 Current + LMS support

TA x 2

Current + LMS support

Internal Use Only

EEO Structure 2025

Director of Examiner Education External Relations

Office Manager

Admin, budget, contracting

SPA x 5

ISD

No major change

New Role

OA x 1 (Tech) Reduce printing & shipping – Add?

TC x 5 Current + LMS support

TA x 2

Current + LMS support

Internal Use Only

Learning Management System

Internal Use Only

New Event Streaming Tool

Internal Use Only

New Processes – New Course Suggestions

Internal Use Only

Changes to TFEE preferences

Internal Use Only

What about the states?

Internal Use Only

Internal Use Only

How can I find out more?

Internal Use Only

Class catalogue & schedule

FFIEC Examiner Education Home Page

Internal Use Only

Review and Questions

New Mission & Vision

Office Reorg

LMS

New event/ streaming tool

New course inputs

Changes to TFEE’s direction

What about the states?

Internal Use Only

CSBS Examiner Schools

Outline

CSBS Examiner Schools & Trainings

Needs Assessment & Scheduling

Content Development & Preparation

Instructors & Graders

CSBS Examiner Schools

Both

Bank

Non-Bank

Intro to Mortgage Origination Intro to Mortgage Servicing Intro to Becoming an MMC EIC

Bank Secrecy Act/Anti-Money Laundering

Effective Meetings with Management

Bank Analysis

Capital Markets

Examiner-in Charge

Information Technology

Credit Evaluation

Trust

Intro to Problem Banks

CSBS Online, Continuing & Executive Programs

Bank

Both

Non-Bank

Day One BSA/AML

Day One Trust

Day One Mortgage

Day One Bank S&S

Day One MSB

Day One Credit

Cyber & IT Supervisory Forum

Instructor Training Workshop

Mortgage Examiner Analytics Training

Large Bank Supervision Forum

Mortgage Licensing School

Day One Data Analytics

Non-Bank Cyber Examination Training

State Federal Supervisory Forum

LEAD

Trust Forum

NMLS Conference

Effective Technical Writing Workshop

Fundamentals of Cryptocurrency

Outline

CSBS Examiner Schools & Trainings

Needs Assessment & Scheduling

Content Development & Preparation

Instructors & Graders

Internal Use Only

Needs Assessment & Scheduling Analysis of Training Needs Scheduling

• Gather instructor availability • Virtual:

• Conduct Needs Assessment • Ad Hoc Requests

• Send calendar invites to instructors with Zoom links

• In-Person:

• Send possible dates/locations to Meeting Services Team • Draft RFP and send to contacts • Compile responses • Choose best option based on price, location, etc. • Receive contract from hotel

Outline

CSBS Examiner Schools & Trainings

Needs Assessment & Scheduling

Content Development & Preparation

Instructors & Graders

Internal Use Only

Content Development

Develop course description, learning objectives, and agenda

Incorporate engagement elements, exercises, or case studies

Create presentations and talking points

Compile resources, job aids, case studies, etc.

Form Content Development Group (SMEs)

Create project plan, timelines, meetings, etc.

Preparing for an Examiner School - Staff

Check-in Meetings

Preparation

Facilitation

Follow Up

• Scheduling polls • Reminders • Calendar invites • Meetings • Recaps

• Welcome emails • Pre-course • Packing list/ Zoom link • Compile materials • KBYG/ reminder email • Reservations

• Room set up/ tech checks • Assist with technology • Share screen • Breakout rooms • Icebreakers/ group activities

• Thank you emails • Prizes

• Certificates • Assessment

results/meeting or comment feedback

Preparing for an Examiner School - Instructors

Check-in Meetings

Preparation

Facilitation

Follow Up

• Review feedback from previous session • Assign presentations • Discuss any updates

• Review

• Travel to training location (in person) • Test technology (Virtual) • Present • Lead exercises and activities

• Complete student feedback forms • Review the feedback report

presentations, exercises, case studies, etc. • Make updates as needed

Outline

CSBS Examiner Schools & Trainings

Needs Assessment & Scheduling

Content Development & Preparation

Instructors & Graders

Examiner School Instructors by State

2

1

1

1

2

2

2

1

1

4

3

3

1

2

1

5

5

3

48 Instructors 21 States

2

5

1

© GeoNames, Microso Ō , TomTom Powered by Bing

Instructor Highlight Video

Day One Graders

Responsibilities: • Review the Day One Next Step submissions for completeness • Note the areas that need to be resubmitted • Review the resubmitted responses for final approval

Bank 1

BSA/AML 0

Credit 1

Mortgage 3

MSB 1

Trust 1

Questions

1 Commerce Way, Suite 401 Little Rock AR 72202 501.324.9019

Commissioned Senior Examiner Process

Arkansas State Bank Department Jack Powell Certified Training Manager

Career Path

• Trainee Examiner • Assistant Examiner

• Junior Examiner • Senior Examiner • Commissioned Senior Examiner* • Certified Senior Examiner

1 Commerce Way, Suite 303 Little Rock AR 72202 501.324.9019

Commissioned Senior Examiner-Eligibility • An examiner must hold the Bank Senior Examiner designation for two (2) years in order to be eligible to take the Commissioned Senior Examiner Assessment. • The examiner must demonstrate excellent leadership and management skills and excel in all aspects of bank supervision and regulation. The examiner should also receive satisfactory performance evaluations. • In the event that a Senior level examiner has transferred into the Department from another regulatory agency, the Senior level examiner must be employed at the ASBD for a minimum of twelve (12) months prior to eligibility to take the Commissioned Examiner Senior Assessment.

1 Commerce Way, Suite 303 Little Rock AR 72202 501.324.9019

Commissioned Senior Examiner-Expectations • Commissioned Senior Examiners will have added administrative responsibilities. These may consist of effectively reviewing reports of examination for accuracy, content, conclusions and appropriate grammar. • The Commissioned Senior Examiner must also exhibit the ability to provide effective training to other examiners.

1 Commerce Way, Suite 303 Little Rock AR 72202 501.324.9019

Test Format

The test is administered in four parts over the course of two weeks. I. Objective II. Essay III. Report-written IV. Report-Board Meeting

1 Commerce Way, Suite 303 Little Rock AR 72202 501.324.9019

Timeline • Test is administered one time per year-end of July/early August • January 15 th* Test date is determined, and eligible candidates are notified and given a study guide • March 15 th* Essay topics determined and shared with candidates, report is chosen and updates begin • April 1 st* review and update objective test questions • May 15 th* Study session dates are determined and instructors recruited- about 6 weeks out from test • July 20 th * Testing begins *approximate dates

1 Commerce Way, Suite 303 Little Rock AR 72202 501.324.9019

GRADING

Percentage Grade X Weight = Weighted Score I. OBJECTIVE (_______ out of 150 possible) _____% II. ESSAY ______%/4 = ____% + _____% + _____% + ____% (Objective percentage)

X 60% =

(Essay percentage)

X 40% = ________

TOTAL ** **You must have a weighted score of 75 percent or above to proceed to the report preparation and presentation portion of the test the following week. III. REPORT PREPARATION _______ points out of a possible 75, or _____ percent. IV. BOARD PRESENTATION _______ points out of a possible 75, or _____ percent.

#1 total - #2 total - #3 total- #4 total -_____________ /4=

/75 = _______%

1 Commerce Way, Suite 303 Little Rock AR 72202 501.324.9019

Resources

• Testing software • University of Arkansas • Arkansas State University • Retired Bankers or Non-state chartered bankers • Prior test takers

1 Commerce Way, Suite 303 Little Rock AR 72202 501.324.9019

1 Commerce Way, Suite 303 Little Rock AR 72202 501.324.9019

QUESTIONS? Jack Powell, CFE Certified Training Manager Arkansas State Bank Department O: 501.683.1115 ∙ M: 501.240.6410

jpowell@banking.state.ar.us BANKING.ARKANSAS.GOV

Internal Use Only

CSBS Accreditation & Workforce Development

Internal Use Only

FLEX – Learning Management System By Alyce Jones

Internal Use Only

Outline

FLEX Pain Points

LMS Current State

What’s next for our LMS?

Questions

Internal Use Only

WHAT ARE YOUR PAIN POINTS IN FLEX?

Internal Use Only

WHAT HAVE WE DONE LATELY? In the last six months we have…  Increased focus on learner navigations to make it easier to locate items in the LMS  Added Banners to showcase featured actions or news related information  Updated our Tags and Keywords to make it easier to locate training in the catalog  Initiated a Content Clean up so that you always have the most recent course content  Incorporated the use of branding and images to make it more engaging to view our content  Activated system generated notifications for our content so that you are alerted to enrollment actions

Internal Use Only

Updated FLEX Landing Page/New Org Mgr role

Internal Use Only

What is next for our LMS?

We will continue our review of content for updates and improvements

Content clean up

Learner Home page

New widgets will be added periodically, and older widgets retired as we continue to grow

Added functionality will be added to the platform as new releases are announced by our vendor New Functionality

Internal Use Only

Internal Use Only

Certification Update By Julia Mackin and Rich Madison

Internal Use Only

Introduction

Internal Use Only

Internal Use Only

Certification Updates Agile Process

Recruitment

Collaboration

Revision

Internal Use Only

What are the goals of this process?

Internal Use Only

Questions?

Internal Use Only

CAS & IT Credentials – Ongoing Updates

Internal Use Only

Questions?

Internal Use Only

CSBS Accreditation & Workforce Development

Max Martin Senior Vice President, Chief Learning Officer Conference of State Bank Supervisors

Internal Use Only

Questions?

Examiner Training Contacts Forum Discussion Recap

Training Opportunities & Challenges 1. What challenges does your agency currently face regarding training opportuni Ɵ es? • Finding the “right” training • Number of FDIC slots • Challenges with FDIC communica Ɵ on • Number of new examiners and strain on people to train them • Scheduling • Earlier no Ɵ ce of schools • Resistance to changes/updates, “That’s the way we have always done it” • Basic core non-bank classes • More opportuni Ɵ es throughout the year • More virtual op Ɵ ons • Cost of training/budget available 2. What areas or topics do your examiners need more training in? • Fintech • Technical skills refresher for seasoned examiners • Leadership – transi Ɵ on from examiner to supervisor • Technical resource library • Mentoring class • Giving & receiving feedback • Large Bank • Enterprise Risk Management • AI • Crypto • Trust • Model Risk Management • Basic accoun Ɵ ng • More developed non-bank programs 3. What can CSBS do to assist states with their challenges with training opportuni Ɵ es? • Clear/organized prep Ɵ mes • Help coordinate instructors/programs • Bring training to us (state/region speci fi c) • Consider Ɵ ming of announcements – Some need schedule way in advance • So Ō skills • Cyber/IT

• Maintain list of external vendors that will come to the state for in-house training • Hybrid for longer courses • Build core non-banks courses • More training courses for senior/longevity examiners • More training for consumer fi nance/mortgage servicing examiners • Encourage federal agencies to o ff er more state slots 4. State travel policies: • What are some barriers to a Ʃ ending in-person training programs? • Slots

• Timing • Budget • Schedule • Personal travel considera Ɵ ons • Examiner resources • People not wan Ɵ ng to travel • Best prac Ɵ ces you can share with others?

• Schedule and share early • Avoid need for rental cars • Consider legisla Ɵ ve sessions • Look for free online courses or virtual trainings • Use local university courses 5. Traveling: Ɵ ps & tricks to avoid issues or resolve them as they arise? • Free online training – NW3C • Make sure hotel rate is at per diem • Boring is be Ʃ er when it comes to loca Ɵ on • No rental cars needed • Direct connec Ɵ ons • U Ɵ lize technology to increase o ff site exams • Plan events/trainings so they don’t overlap with others • Plan for weather • U Ɵ lize hotel/airline reward perks • U Ɵ lize exam contact for loca Ɵ on details Recruitment & Hiring 1. What challenges does your agency currently face related to hiring? • Salary • Training • Reten Ɵ on

• Hiring Ɵ me commitments • Talent pool • Lack of professionalism in hires • Work expecta Ɵ ons/genera Ɵ onal di ff erences

• People don’t know what we do • Compe ƟƟ on with private sector • State hiring system (red tape, long lead Ɵ mes, etc.) • Special Ɵ es dying out • Ge ƫ ng the permission to hire • Travel requirements • No clear advancement • No cri Ɵ cal thinking • Specialized skills 2. What successes has your agency experienced related to hiring? • Quality of applicants • Degree OR work experience requirements

• Work-life balance • Midcareer pos Ɵ ngs • Loca Ɵ on • Employee sa Ɵ sfac Ɵ on survey results • Re-hires • Stability/bene fi ts • Using proba Ɵ onary period • Internship • Taking chances on recent graduates with no related job experience • Hiring people leaving industry a Ō er long private career

3. What successes has your agency experienced related to training? • Day One • Full- Ɵ me training person • Internships • IT specialists train S&S examiners • Videos • Internal schools/trainings • OJT mul Ɵ -state • FLEX courses • Examiners do both licensing and exams • Mentor programs • Shadow exams for new hires

• FFIEC Examiner Exchange, FRB Rapid Response • Training Pathways • Cer Ɵ fi ca Ɵ ons – Focus on accomplishment instead of requirements 4. What challenges does your agency currently face related to sta ff reten Ɵ on? • Salary, salary, salary! • Travel burden • Demographics, “No one my age here” • Genera Ɵ onal di ff erences • Poaching by industry and Feds • Ge ƫ ng to know team/colleagues • Return to o ffi ce mandates • Expecta Ɵ ons of some that we will be able to immediately train them for every possible situa Ɵ on • Lack of mentorship • Return on investment • Can’t past proba Ɵ onary period 5. What successes has your agency experienced related to sta ff reten Ɵ on? • Strong communica Ɵ on in virtual environment • Talk up non-compensa Ɵ on bene fi ts • Work-life balance • Focus on opportuni Ɵ es not available outside of government/department • Let people choose their own path • Build mul Ɵ ple layers to achieve so they have more milestones to reach which builds con fi dence and goals • Test based posi Ɵ ons • Career paths • Flexible work schedules • Remote work • O ffi ce culture • Union • Reten Ɵ on bonuses • O ff er and pay for con Ɵ nuing ed • Advocate for be Ʃ er pay 6. How does your agency approach succession planning? • Include more people in high level mee Ɵ ngs • Promote from within even if they don’t have all the experience they should have • Look for the “doers” • It’s a struggle

• Mentoring/Cross-training • Wri Ʃ en plans

• “Ac Ɵ ng” programs • Deputy posi Ɵ ons • Rotate du Ɵ es • Supervisor manual in addi Ɵ on to examiner manuals • Leadership development • Management skills

Workplace Challenges 1. What is the current state of your workplace prac Ɵ ces (remote/hybrid/in-person) in your agencies? • Mostly hybrid

• Required to be in-person 2 days/week - DE • Work from home full- Ɵ me – WA & MN • Exams are hybrid depending on risk scoping

• Need to get risk scope and exam plan submi Ʃ ed 8 weeks in advance - WA • Not ge ƫ ng the plans in enough Ɵ me to let the ins Ɵ tu Ɵ ons know - DE

• Not required to live in state - WA • Required to live in the state – MI

• Required to live in state or an adjacent state – MN • Who pays for airfare and hotel if you live out of state? i. On their own dime - RI • State needs to hire people in rural areas and able to work from home – UT • All agencies back to hybrid exams 2. What strategies have your agencies experimented with or e ff ec Ɵ vely implemented to either mi Ɵ gate the nega Ɵ ve impact of these prac Ɵ ces or further op Ɵ mize their bene fi ts? • Hybrid work schedule is a bene fi t and can be taken away if there are performance issues • Required travel can make it hard to recruit new employees and retain them • First interview ques Ɵ on is “Are you willing and able to travel both in-state and out-of-state?” • Iden Ɵ fying when it is bene fi cial to travel or not 3. How does your agency balance the need for workplace fl exibility with the required rigor of fi nancial regulatory and supervisory work? • Hybrid fl exibility • Structure around was is required to be on-site and what is not. • Job descrip Ɵ ons should state that travel is required • Allow bankers to decide if exams are onsite/o ff site

• Fridays o ff or every other Fridays • Flexible work schedules • Importance of work-life balance • State government requirement to be in the o ffi ce 5-days a week • Allow for 4 10-hour workdays 4. What is the current state of your agencies in tracking training requests, plans, schedules, and comple Ɵ ons for your sta ff ? • HR, admins, supervisors, training coordinators all part of approvals and tracking • HR has own LMS to track trainings, di ff erent for Accredita Ɵ on purposes – WA • Training approval requests go to Commissioner, all trainings are logged in the Cer Ɵ fi ca Ɵ on portal including courses in FLEX – NH • Maintain an Excel spreadsheet to track training requests that come in from di ff erent ways – IA • Track training requests in a fi le shared in Teams that everyone has access to – NH • Internal database that people enter their requests and automa Ɵ cally gets sent to supervisor for approval. Then goes through training coordinator to con fi rm prerequisites. Once con fi rmed, an automa Ɵ c email is sent to the examiner. – NC 5. What innova Ɵ ve solu Ɵ ons, technologies, or prac Ɵ ces do you believe would improve your opera Ɵ ons? • Automa Ɵ c tracking of training requests and transcripts • Make sure all examiners have hotspots to access internet on their laptops • CSBS – Networked supervision

Supervision Learning and Development

Lending Principles

Lending Principles (LP) is a required ECP course. This is a two-part course. The first part is a online self-paced learning which requires successful completion of computer modules. The second part is a three day in-person exercises where transaction testing is conducted. To successfully complete the course, you must complete both parts. Course Objectives

Upon completion of this course, participants should be able to:

• Identify the basic characteristics of consumer and non-consumer/commercial loans. • Identify and describe the consumer financial protection regulations that apply to lending. • Apply appropriate regulatory requirements during exam process based on lending product type. • Accurately perform calculations required by applicable exam and procedure regulations. • Identify and utilize CFPB-recommended exam assistance tools.

Who should take this course?

Examiners with less than five years of experience with these exams, or those looking for a refresher.

Prerequisite(s)

None

Pre-course work

Yes, approximately 25 hours of Regulatory University courses.

Three day (24 hours)

Course length In Person

Training schedule

(dates not finalized yet – tentative dates below) February 11-13, 2025 – Atlanta, GA July 29-31, 2025 – Atlanta, GA

Supervision Learning and Development

Operations, Deposits, and Prepaid Products

Operations, Deposits and Prepaid Products (ODP) introduces bank operations, the CFPB examination process, deposit products, prepaid products, laws and regulations central to operations and deposit/prepaid product examinations, and laws and regulations central to basic Supervision examinations.

Course Objectives

Upon completion of this course, participants should be able to:

• Describe the CFPB examination process and identify its key components and work products. • Explain the structure, operations, and regulatory approaches of the depository and non depository institutions supervised by the CFPB. • Describe relevant consumer compliance laws and regulations relevant to deposit products. • Apply examination procedures to ensure compliances with relevant consumer compliance laws and regulations. • Accurately cite and document violations of consumer compliances regulations. • Identify and use regulation reference materials and other CFPB-recommended examination assistance tools.

Who should take this course?

Examiners with less than five years of experience with these exams, or those looking for a refresher.

Prerequisite(s)

None

Pre-course work Yes

Eight, three-hour sessions (24 hours), and Asynchronous learning: approximately 11 hours

Course length Virtual

Training schedule

(dates not finalized yet – tentative dates below) March 10-20, 2025 – Virtual November 3-14, 2025 – Virtual

Supervision Learning and Development

Fair Lending Examination Techniques

Fair Lending Examination Techniques (FLET) introduces learners to areas concerning fair lending throughout the examination process. Learners will be exposed to interview skills and participate in a mock interview with bank personnel.

Course Objectives

Upon completion of this course, participants should be able to:

• Explain the relationship between the Office of FairLending and Supervision. • Identify potential types of discrimination. • Identify prohibited basis groups. • Analyze a financial institution’s policies and procedures. • Document potential violations of laws relating to various types of discrimination. • Explain how statistical analyses relate to fair lending examinations. • Explain the elements of the risk factors. • Present examination conclusions to financial institution management.

Who should take this course?

Examiners with less than five years of experience with these exams, or those looking for a refresher with a practical application component. None. This course is typically taken following Ops/Deposits and Lending Principles.

Prerequisite(s)

Pre-course work

Yes

Five sessions (16 hours), and Asynchronous learning: approximately 20 hours (dates not finalized yet – tentative dates below) July 14-18, 2025 – Virtual

Course length Virtual

Training schedule

Supervision Learning and Development

Applying CMS across all Exams (ACE)

This course is designed to help accelerate the development of applying critical thinking skills to CMS components in every examination/review assignment. The course begins with a CMS overview that includes identifying procedures, templates, and information requests needed for evaluating one or more CMS components. Course discussions and other activities provide the participant a better understanding of how all CMS components intertwine. Participants will enhance their knowledge in how to apply critical thinking to identify issues and violations within examination assignments and practice root cause analysis through in-class case studies. The final portion of the ACE course is designed to help the participant form appropriate corrective actions based on root cause analysis with tie backs to one or more CMS components.

Course Objectives

Upon completion of this course, participants should be able to:

• Recognize CMS components and sub-components. • Understand how CMS components interlink. • Demonstrate analytical skills to identify root cause deficiencies. • Describe how root cause deficiencies tie back to one or more CMS components. • Recommend appropriate corrective action based on weaknesses identifiedin one or more CMS components.

Who should take this course? Prerequisite(s)

This course is intended for examiners with at least one year of CFPB examination experience. • Operations, Deposits and Prepaid Products, and • Lending Principles or CFPB Commission

Pre-course work

None

Three days (24 hours)

Course length In Person

Training schedule

(dates not finalized yet – tentative dates below) February 11-13, 2025 – Atlanta, GA August 26-28, 2025 – Atlanta, GA

Iowa Division of Banking 200 East Grand Avenue, Suite 300 Des Moines, IA 50309 (515) 281-4014

Summer Internship Application Deadline: Octo ber 2, 202 4

Summary

The Iowa Division of Banking is a state agency charged with the supervision and regulation of state-chartered commercial banks in Iowa. The internship program provides an excellent opportunity to learn more about the banking industry while participating in regulatory examinations that assess a financial institution’s overall financial condition and compliance with laws and regulations.

What to Expect

Qualifications Required

Interns will gain hands-on experience as they work closely with Bank Examiners performing live bank examinations. Areas of review will include, but not limited to: • Bank regulatory framework and the role of the IDOB • Balance sheet, income statement, investments, capital and earnings • Liquidity and sensitivity to market risk • Internal routines and controls • Audit • Bank Secrecy Act/Anti-Money Laundering • Banking industry trends

• Completion of sophomore year at an accredited four-year college or university with a major field of study in accounting, banking, business administration, commercial or banking law, economics, finance, business education, or another business- related field • Team oriented with strong analytical and communication skills • Cumulative grade point average (GPA) of 3.0 or higher • 6 hours of accounting before internship is preferred • Valid driver’s license (travel required within assigned region)

APPLY!

More information related to job openings and the required job application can be found on www.idob.state.ia.us, under “IDOB,” followed by “Employment Opportunities.” Send to IDOBJobs@iowa.gov

(1) Résumé (2) Cover Letter (3) IDOB Application (4) Transcript

Division of banks Intern positions Internship roles

· Respond to consumer inquiries and complaints through both written and verbal communications · Review complaints, documents, and pertinent information concerning alleged violations of laws, rules, and regulations · Obtain evidence and establish facts concerning com plaints and cases of alleged non - compliance with laws, rules, and regulations

Consumer Protection, enforcement, and investigations

· Utilize data analytics software, including Python and Tableau, to analyze data gathered by the Division · Identify emerging trends in regulated industries, and communicate such trends to varying levels of management · Assist with development and updates to Agency plans involving risk response · Assist with gathering data relating to public records requests · Identify growth opportunities in Agency’s data analytics processes, and communicate opportunities to management

Data analytics and risk management

· Conduct research regarding FinTech and cryptocurrency activity in the Commonwealth · Work directly with the IT, Cyber & FinTech Unit to ensure the development of best practice policies and standards based on various IT governance and cybersecurity frameworks · Review IT assessments, e.g., IT Audits, risk assessments, vulnerability scans, and penetration testing

IT/Cybersecurity/fintech

Qualifications

· Be currently enrolled as a full - time student with minimum of 1.5 years of college completed · Strong written and oral communication skills, analytical reasoning strengths, and computer skills · Preferred majors: Accounting, Economics, Finance, Management, or Political Science/Government

Commonwealth of MassachuseƩs — Division of Banks 1000 Washington ST, 10th Floor — Boston MA 02118 (617) 956 - 1500

mass.gov/dob

mass.gov/masscareers

linkedin.com/company/massdob

Division of banks Intern positions

Executive office of Economic Development Internship

Why work for the division?

Promotional Opportunities

·

· Welcoming & inclusive work environment · Shared commitment to public service

· The Division of Banks is participating in an internship program for Summer 2024 with the Executive Office of Economic Development! · Interns will have the opportunity to be placed in one of several divisions · See application link for more information and to apply!

Application materials

· Handshake or MassCareers Account · Resume/CV

To apply for postings_

Flexible scheduling

· EOED Internship - Apply at https://massanf.taleo.net/careersection/ex/ jobdetail.ftl?job=240000V7 · DOB Internships will be posted to Handshake as available!

Interns are eligible for a hybrid schedule with flexible start/end times

·

· Depending on assignment, interns may work remotely or at the Division’s Boston Office

We encourage individuals who believe they have the skills necessary to thrive to apply for these roles, even if you don’t meet 100% of the job requirements.

“Let the public service be a proud and lively career.” -John F. Kennedy

Commonwealth of MassachuseƩs — Division of Banks 1000 Washington ST, 10th Floor — Boston MA 02118 (617) 956 - 1500

mass.gov/dob

mass.gov/masscareers

linkedin.com/company/massdob

The Division of Banks is currently accepting applications for the position of IT/Cybersecurity Intern in the Cybersecurity / Information Technology / Fintech examination unit. The mission of the Division of Banks is to ensure a sound, competitive, and accessible financial services environment throughout the Commonwealth. The Division maintains public confidence in Massachusetts financial institutions through the oversight of state-chartered banks and credit unions and, non-bank financial service providers including those in the mortgage, the money service businesses, sales finance, and debt collections that do business within the Commonwealth. The majority of the Division's employees are Examiners who conduct a variety of on-site and off-site examinations of financial institutions and licensed entities under the Division's jurisdiction. The Division is seeking an intern/co-op student to assist with projects and research assignments regarding the intersection of Financial technology, Information Technology, and Cybersecurity in the Commonwealth. Projects may include trend and institution research, process improvements, assisting with employee cybersecurity trainings, generating reports, and other tasks relating to the unit’s examinations. Additional areas of interest should include cybersecurity best practices, threat intel monitoring, cryptocurrency, Artificial Intelligence, and technology and regulatory policy. The opportunity may be tailored based on the student's interests and available or ongoing projects at the time of the opportunity. The Division of Banks is proud to offer schedule flexibility. The IT/Cybersecurity Intern role is a hybrid position and various schedule options are available. In addition to telework, intermittent on-site work is based on the assignment and may include work onsite at a regulated institution or one of the Division’s four offices (Boston, Lakeville, Woburn, or Springfield). This position is being posted for Spring Semester 2024 (January-May, with flexible dates depending on school schedules). There is potential for an option to extend the opportunity into the summer. Full-time and part-time opportunities may be available. In addition to flexible work schedules, the Division also offers a progressive training program and paths for career advancement within the agency. The Division of Banks is committed to ensuring a diverse and inclusive workplace where all employees feel respected, valued, and empowered to maximize their skills and talents to serve our citizens. The Division is committed to creating and sustaining a work culture that is welcoming, inclusive, and mutually respectful to all its employees regardless of race, color, age, creed, religion, national origin, ethnicity, sex, gender identity or expression, sexual orientation, genetic information, veteran or disability status. We strive to reflect diversity in all facets and levels of our agency. The Cybersecurity / Information Technology / Fintech examination unit values inclusiveness and diversity within its examination and management teams. Within our community, we strive to create and maintain working and learning environments that are inclusive, equitable, and welcoming. The filling of this position is subject to appropriation and obtainment of all necessary approvals from the Office of Consumer Affairs and Business Regulation and the Executive Office for Administration and Finance. The Division reserves the right not to fill this position without notice. This position will report directly to the Director of Cybersecurity / Information Technology / Fintech. Primary Duties Include: • Conduct research regarding emerging FinTech, cybersecurity, and cryptocurrency trends in the Commonwealth • Work directly with the IT, Cyber & FinTech Unit to ensure the development of best practice policies and standards based on various IT governance and cybersecurity frameworks • Review IT assessment, e.g., IT audits, risk assessments, vulnerability scans, and penetration testing. • Work in policy administration compliance and risk management reviews and projects. • Provide support from an information security and technology risk perspective. • Assist with IT, Cybersecurity, and FinTech risk assessment process. • Assist with monitoring of IT and cybersecurity industry and examination findings and trends.

• Assist unit management with various projects as necessary. • Assist with creating engaging training materials and presentations. • Conduct research on emerging cyber threats and vulnerabilities. • Actively monitor for data breaches within the Commonwealth. Preferred Qualifications: • Coursework in information technology, business, finance, economics, law, or related fields • Completion of one and a half years of college • Basic understanding of IT and cybersecurity principles and systems • Knowledge of, or interest in, key trends in cybersecurity, FinTech, and cryptocurrency • Ability to work a minimum of 15-25 hours a week (Flexible schedule with hybrid/work from home options). Actual hours and work location will be discussed with the selected candidate upon hire. • Strong written and oral communication skills, analytical reasoning strengths, and computer skills • Ability to work independently and in a team setting • Proficient with Microsoft Word and Excel • Strong communication and analytical skills

The Division of Banks is currently accepting applications for the position of Consumer Assistance, Enforcement, and Investigations Co-Op in the Enforcement and Investigations – Consumer Assistance Unit. This role will be assisting consumers and addressing consumer complaints. About the Division: As an employee of the Division of Banks, you will contribute to the mission of the Division of Banks by ensuring a sound, competitive, and accessible financial services environment throughout the Commonwealth. The Division maintains public confidence in Massachusetts financial institutions through the oversight of state-chartered banks and credit unions as well as non-depository licensees doing business in Massachusetts. We are a consumer protection agency and we support financial literacy education and programs benefiting residents across the Commonwealth. The majority of the Division's employees are Examiners who conduct a variety of on-site and off-site examinations of financial institutions and licensed entities under the Division's jurisdiction. At the Division of Banks every employee’s ideas and experiences are welcomed. We value and respect that each individual brings different skills and perspectives that uniquely contribute to our agency and the work that we do. It is important that each employee feel empowered to contribute as this allows for more effective collaboration and better results. Within our workplace community, we offer a variety of training and mentoring to create and maintain learning environments that are inclusive, equitable, and welcoming. To learn more about the Division of Banks, click here. As a co-op, you can expect to: • Handle inbound consumer calls with questions about financial products and services here in Massachusetts • Work within the Consumer Assistance and Enforcement unit to review and address consumer complaints • Gain knowledge of the Division of Banks’ processes and financial regulation practices both within the Commonwealth of Massachusetts and United States Consider joining our team if you: • Are interested in a public position and enthusiastic about serving the public good • Are interested in the supervision and regulation of state-chartered banks and credit unions, as well as non-depository licensees • Have experience and/or coursework in accounting, business, banking, finance, economics, or related fields (public policy, criminal justice, data analytics). Preferred Qualifications: We encourage individuals who believe they have the skills necessary to thrive to apply for this role, even if you don’t meet 100% of the job requirements. • Experience in customer service • Strong written and oral communication skills, analytical reasoning strengths, and computer skills Work/Life Balance: • Hybrid Position: This co-op provides opportunities for both remote and in-office work. In-office work takes place at the Division’s headquarter office in Boston. • Flexible Schedule: The Enforcement and Investigations Team has various options for start/end times. Scheduling specifics will be discussed with the selected candidate upon hire.