Large Bank Supervision On-Demand Training

Large Bank Supervision On-Demand Training

www.CSBStraining.org

Updated: September 18, 2023

Table of Contents Background ................................................................................................3 Accessing FLEX..........................................................................................3 Asset Management Risk.............................................................................4 BSA/AML/OFAC Risk ..................................................................................5 Compliance Risk .........................................................................................7 Credit Risk ................................................................................................10 Interest Rate Risk .....................................................................................11 Large Bank Basics .....................................................................................13 Liquidity Risk ............................................................................................14 Operational Risk.......................................................................................15 Price Risk ..................................................................................................16 Reputational Risk .....................................................................................17 Strategic Risk............................................................................................17 Vendor Risk ..............................................................................................18

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Background There has been an exponential growth of large banks in recent years, and it is important for examiners to have access to training related to Large Bank Supervision. This training catalog outlines the various risk areas associated with Large Bank Supervision and the training courses that are available for each. All of these on-demand training courses can be found in FLEX, our Learning Management System. This catalog is organized by the following topics related to Large Bank Supervision: • Asset Management Risk • BSA/AML/OFAC Risk • Compliance Risk • Credit Risk

• Interest Rate Risk • Large Bank Basics • Liquidity Risk • Operational Risk • Reputational Risk

• Strategic Risk • Vendor Risk

Accessing FLEX Existing FLEX users should follow these steps to access training: 1. Visit www.csbstraining.org and sign in via your Okta account. 2. Search for the courses by typing in the course name in the Search Catalog bar at the top. 3. Select the desired course from the listings and click ‘Enroll’. New Users New FLEX users should email the LMS Admin inbox (LMSAdmin@csbs.org) to request access.

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Asset Management Risk

Executive Leadership: Asset Liability Management and Financial Risk 15 Minutes This interactive course addresses the role of executive leadership and the board of directors in managing the asset liability and financial risk of the institution. It discusses key areas of financial risk and considerations for an effective Asset/Liability Management (ALM) policy. This engaging learning experience features audio, video, and interactive activities. 1.25 Hours In this session, the speakers provided a high-level overview of digital assets and key industry events from the past year that have impacted the broader banking and financial services sectors. They also walked through the FTX collapse and the role of the digital asset industry in the failures of Silvergate Bank and Signature Bank. Finally, the speakers provided a high-level overview of the digital asset regulatory landscape in key global markets and the USA and concluded with a deep dive on managing IT and cybersecurity risks associated with digital assets. 2023 FFIEC Information Technology Conference. 3.1 Hours The Model Validation & Model Risk Management presentation was designed for examiners with a basic knowledge of liquidity, asset/liability management, and interest rate risk. Participants achieved a more in-depth understanding of static and dynamic liquidity risk models, the factors to consider in modeling for falling rates, and how to interpret asset and deposit premiums and discounts. Participants also learned how to identify common modeling errors that could impact the model output. 2023 FFIEC Capital Markets Conference. Rethinking Risk: Thoughts on Liquidity and Interest Rate Risk for Community Banks 1.5 Hours This session discussed the importance of effective liquidity and interest rate risk management for community banks in today’s challenging economic environment. Attendees were updated on the recent bank failures that began in March 2023 as well as learn about some of the current best practices for Asset-Liability management modeling. There was also an example of liquidity pro forma cash flow analysis and thoughts on the investment portfolio as it is related to liquidity and duration risk. 2023 FFIEC Capital Markets Conference. Managing Risk at the Intersection of Digital Assets and Banking Model Validation & Model Risk Management

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BSA/AML/OFAC Risk

AML Act Panel 1.5 Hours FinCEN, federal banking agencies, and state regulators discussed the AML Act, including regulatory changes and implementation. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 1 Hour This presentation focused on crypto-assets and provided foundational knowledge so examiners can understand related key terms and concepts. BSA/AML risks to financial institutions posed by the crypto-asset sector, as well as other relevant regulatory concerns, were also highlighted. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 1.5 Hours FedNow Service: Fighting fraud in instant payments. Faster payments are growing rapidly. Learn about the unique aspects of instant payments and how the Federal Reserve Banks will help participants of the FedNow Service combat fraud. 2023 Financial Crimes Seminar. 45 Minutes This session focused on the role of examiners in assessing and promoting compliance with the Bank Secrecy Act and other anti-money laundering laws and regulations, and the importance of continued collaboration and information-sharing amongst and between FinCEN and federal and state financial regulators. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 35 Minutes This presentation provided an overview of FinCEN’s AML & Sanctions Whistleblower Program and its Office of the Whistleblower (OWB). FinCEN created the OWB in May 2021 to develop a whistleblower award program, as required by the 2020 Anti-Money Laundering Act. The award program is meant to incentivize individuals around the world to voluntarily provide FinCEN with information regarding violations of the Bank Secrecy Act (BSA) and U.S. economic and trade sanctions. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 1 Hour Human trafficking produces billions of dollars in profits worldwide. Learn how financial institutions can mitigate their risk of being exploited by the transnational criminal organizations that profit from these activities. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. Examining for and Understanding Crypto-Asset Risks FedNow Fraud Procedures FFIEC Advanced BSA/AML Specialists Conference Keynote Address FinCEN’s AML and Sanctions Whistleblower Program Human Trafficking

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Industry Perspectives on the AML Act 45 Minutes Mr. Kenneth Blanco provided an industry overview from the perspective of a former regulator and current CCO for Citibank. He provided an overview, discussion on the AML Act, primary issues and risks, innovation and technology, and key considerations and takeaways. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 1 Hour A panel of federal banking agencies and state regulators provided an overview of the risk-based approach to assessing customer relationships, recognizing that it is important for customers engaged in lawful activities to have access to financial services. This session included time for Q&A, while reinforcing a longstanding position that no customer type presents a single level of uniform risk, or a particular risk profile related to money laundering, terrorist financing, or other illicit financial activity. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 1 Hour This session focused on the examination aspect of the risk-focused approach, providing insight and discussing examples related to a risk-focused AML/CFT examination. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 1.25 Hours This presentation outlined the use of shell companies to facilitate financial-based fraud and included case examples. Additional information was provided on items to look for in attempting to identify shell companies. 2023 Financial Crimes Seminar. 1 Hour A discussion on the recent Interagency Third-Party Risk Management Guidance including the requirements for safe and sound operation and how the guidance can assist banks in preparing effective third-party risk management programs. An example analysis of one type of relationship was provided as well as the examiner’s approach to third-party risk. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. Risk-Based Approach to Assessing Customer Risk Risk-Focused Approach to AML/CFT Examinations The Use of Shell Companies to Facilitate Financial Crime Third-Party Risk Management

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Compliance Risk

AML Act Panel 1.5 Hours FinCEN, federal banking agencies, and state regulators discussed the AML Act, including regulatory changes and implementation. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 45 Minutes This highly interactive course reviews key Community Reinvestment Act requirements, including public file contents, data collection procedures, and CRA examinations for Small, Intermediate Small, and Large financial institutions. 30 Minutes Intended for compliance officers, this interactive course provides an overview of the responsibilities involved in risk management, including compliance, legal, and reputational risk. The course addresses who is on the risk management committee, its policies and procedures, and vendor management. 20 Minutes Intended for middle management, this interactive course provides an overview of Enterprise Risk Management (ERM), including the ERM framework. This engaging learning experience features high-impact audio (optional) and interactive learning activities. 1 Hour This presentation focused on crypto-assets and provided foundational knowledge so examiners can understand related key terms and concepts. BSA/AML risks to financial institutions posed by the crypto-asset sector, as well as other relevant regulatory concerns, are also highlighted. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 15 Minutes Intended for executive leadership and members of the board of directors, this interactive course addresses the importance of planning for disruption caused by natural and man-made disasters, including best practices for establishing a disaster recovery plan. This engaging learning experience features audio, video, and interactive activities. 45 Minutes This session focused on the role of examiners in assessing and promoting compliance with the Bank Secrecy Act and other anti-money laundering laws and regulations, and the importance of continued collaboration and information-sharing amongst and between FinCEN and federal and Community Reinvestment Act (CRA): Comprehensive Compliance Officer: Risk Management Enterprise Risk Management (ERM) Examining for and Understanding Crypto-Asset Risks Executive Leadership: Business Continuity and Operational Risk FFIEC Advanced BSA/AML Specialists Conference Keynote Address

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state financial regulators. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 35 Minutes This presentation provided an overview of FinCEN’s AML & Sanctions Whistleblower Program and its Office of the Whistleblower (OWB). FinCEN created the OWB in May 2021 to develop a whistleblower award program, as required by the 2020 Anti-Money Laundering Act. The award program is meant to incentivize individuals around the world to voluntarily provide FinCEN with information regarding violations of the Bank Secrecy Act (BSA) and U.S. economic and trade sanctions. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 3 Hours The Business of Large Financial Institutions Learning Unit is an introduction to the world of large financial institutions (LFIs), including the characteristics they share, their business drivers, and their organizational structure. 4.5 Hours The FRS - Large Financial Institution Supervisory Process Learning Unit introduces the large financial institution supervisory process and system oversight, the risks at LFBO and LISCC firms, and an introduction to the supervisory cycle and activities. Learners are also introduced to the importance of risk management and the process for documenting and communicating supervisory findings. The first module introduces the supervisory approach for large financial institutions as set by SR 12-17/CA 12-14: Consolidated Supervision Framework for Large Financial Institutions, associated guidance and oversight. The second module describes risks that large financial institutions face and where the learner would expect those risk exposures to be in a large firm. The third module introduces the learner to the supervisory cycle, associated supervisory products, and an overview of system-wide supervisory efforts at LISCC firms and LFBOs. 5.5 Hours The Principles of LFI Supervision Learning Unit is an introduction to how the regulatory landscape and supervisory framework for large financial institutions (LFIs) support the central point of contact’s (CPC’s) critical role in leading the supervisory process to achieve the Federal Reserve’s primary supervisory objectives as stated in SR Letter 12-17/CA Letter 12-14, “Consolidated Supervision Framework for Large Financial Institutions,” which include: enhancing resiliency of a firm to lower the probability of its failure or inability to serve as a financial intermediary and; reducing the impact on the financial system and the broader economy in the event of a firm’s failure or material weakness. FinCEN’s AML and Sanctions Whistleblower Program FRS - Business of Large Financial Institutions FRS - Large Financial Institutions Supervisory Process FRS - Principles of Large Financial Institution Supervision

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Human Trafficking 1 Hour Human trafficking produces billions of dollars in profits worldwide. Learn how financial institutions can mitigate their risk of being exploited by the transnational criminal organizations that profit from these activities. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 45 Minutes Mr. Kenneth Blanco provided an industry overview from the perspective of a former regulator and current CCO for Citibank. He provided an overview, discussion on the AML Act, primary issues and risks, innovation and technology, and key considerations and takeaways. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 45 Minutes This session reviewed the transition from LIBOR and the last steps to be taken ahead of June 30, when panel banks will cease submitting to the U.S. Dollar LIBOR rates. 2023 Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions. 1 Hour Third-party due diligence is a critical aspect of Third-Party Risk Management (TPRM) since it involves the collection and maintenance of third-party risk information. As Financial Institutions increase their reliance on third-party vendors, oversight of these relationships also increases in complexity. 2023 FFIEC Information Technology Conference. 1 Hour A panel of federal banking agencies and state regulators provided an overview of the risk-based approach to assessing customer relationships, recognizing that it is important for customers engaged in lawful activities to have access to financial services. This session included time for Q&A, while reinforcing a longstanding position that no customer type presents a single level of uniform risk, or a particular risk profile related to money laundering, terrorist financing, or other illicit financial activity. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 1 Hour This session focused on the examination aspect of the risk-focused approach, providing insight and discussing examples related to a risk-focused AML/CFT examination. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference. 1.5 Hours Agency specialists provided a summary of the results of the recent shared national credit review (third quarter 2021) and share credit trends or concerns detected as a result of the credit review. 2023 Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions. Industry Perspectives on the AML Act Last Steps in the LIBOR Transition Making Better Due Diligence Decisions Risk-Based Approach to Assessing Customer Risk Risk-Focused Approach to AML/CFT Examinations Shared National Credits Update

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Credit Risk

Cash Flow Analysis: Constructing the Cash Flow Statement 1.5 Hours In this course, intended for all credit analysts and loan personnel of financial institutions, especially loan trainees, loan analysts, and experienced commercial lenders, you will learn how to work with accrual-based financial statements, the basic mechanics of cash flow analysis, how to construct a cash flow statement, and how to apply cash flow analysis. 1.5 Hours In this course, you will learn to analyze and interpret a company's historical cash flows and use this information to better understand the risks of repayment. This information will also enable you to detect potential problems earlier. The bottom line will be better loan decisions and fewer loan losses. 1.5 Hours This course, intended for commercial lenders, loan trainees, loan analysts, and any personnel dealing with balance sheets and income statements, addresses the basics of commercial lending, the definition of cash flow, the importance of cash flow analysis, the differences between cash based and accrual-based accounting, and financial accounting skills. 45 Minutes Enterprise risk management (ERM) provides a framework and system for financial institutions to manage–on an enterprise-wide basis–the financial, operational, event, and strategic risks they face. Aimed at staff with risk management responsibilities throughout the institution, this course covers the goals of ERM, categories of risk it addresses, and considerations for designing and implementing an ERM program. Throughout, the course connects principles of ERM to the loan review function and its particular importance in providing information and insight on credit risk. 10 Minutes This case study was originally developed by the Federal Reserve Bank of Chicago’s Supervisory Readiness Program. It has been modified to address changing economic circumstances. After listening to the Supervisory Readiness podcast, work through the case study independently. Evaluate the case study bank as you would an institution in your portfolio. Upon completion of the case study, access the answer key. 45 Minutes This session reviewed the transition from LIBOR and the last steps to be taken ahead of June 30, when panel banks will cease submitting to the U.S. Dollar LIBOR rates. 2023 Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions. Cash Flow Analysis: Interpreting the Cash Flow Statement Cash Flow Analysis: Introduction and Accounting Review Enterprise Risk Management and Loan Review FRS - Supervisory Readiness: Proactive Credit Risk Management Last Steps in the LIBOR Transition

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Macroeconomic Update 1 Hour This session was on the economic outlook of the United States in the coming years. The session also analyzed the ongoing global economic trends and their impact on domestic growth as well as on employment trends and consumer spending. The stance of monetary policy in controlling inflation in light of fiscal developments was explored. Finally, the state of the residential real estate industry and factors that will impact it was discussed. 2023 Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions. 1.5 Hours Agency specialists provided a summary of the results of the recent shared national credit review (third quarter 2021) and shared credit trends or concerns detected as a result of the credit review. 2023 Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions. 1 Hour Significant changes in Federal Reserve monetary policy will have an impact on banks’ asset quality, earnings, and capital. Funding and liquidity conditions will be focal items. Striking the right balance will be the challenge as regulations change. 2023 Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions. Shared National Credits Update U.S. Banks - Regime Change – Accelerated An Historic Interest Rate Shock 1.3 Hours With inflation still too high and economic growth slowing, the Federal Reserve will be deliberating the path of short-term interest rates in order to ensure price and financial markets stability. This economic presentation reviewed how the fastest increase in short-term interest rates is impacting the balance sheets and income statements of financial institutions and the overall economy. 2023 FFIEC Examiner Exchange Series. FDIC Examiner Webinar: Evaluating Market and Liquidity Risk in a Rising Interest 40 Minutes The purpose of this webinar is to remind supervisory staff of the examination approach for institutions that are vulnerable to the effects of rising interest rates on market and liquidity risk. Particularly institutions with long duration asset portfolios. 1.5 Hours This video series explains the components to be considered in evaluating a financial institution's process and procedure in measuring and monitoring interest rate risk. The series also addresses the regulatory guidance and process in determining the Sensitivity to Market Risk component rating for the institution. This series is approximately 81 minutes in length. Interest Rate Risk - Video Series Interest Rate Risk

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Liquidity Risk Management 1.5 Hours This presentation focused on effective liquidity management using a comprehensive risk framework that includes strong policies, early warning systems, and contingency plans. There was also a discussion on various measurement techniques, best practices, and new trends for modeling applications of liquidity stress testing using a case study approach. 2022 FFIEC Capital Markets Generalist Conference. 3 Hours The Model Validation & Model Risk Management presentation was designed for examiners with a basic knowledge of liquidity, asset/liability management, and interest rate risk. Participants achieved a more in-depth understanding of static and dynamic liquidity risk models, the factors to consider in modeling for falling rates, and how to interpret asset and deposit premiums and discounts. Participants also learned how to identify common modeling errors that could impact the model output. 2023 FFIEC Capital Markets Conference. Rethinking Risk: Thoughts on Liquidity and Interest Rate Risk for Community Banks 1.5 Hours This session discussed the importance of effective liquidity and interest rate risk management for community banks in today’s challenging economic environment. Attendees were updated on the recent bank failures that began in March 2023 as well as learned about some of the current best practices for Asset-Liability management modeling. There was also an example of liquidity pro forma cash flow analysis and thoughts on the investment portfolio as it is related to liquidity and duration risk. 2023 FFIEC Capital Markets Conference. 1 Hour Higher interest rates have caused significant unrealized holding losses on debt securities at certain institutions, potentially impacting their financial condition and overall risk profile. This webinar discussed examination issues for these institutions. 2023 FFIEC Capital Markets Conference. Understanding Deposit Value in a Turbulent Rate andMacroeconomic Environment 1.25 Hours Given the backdrop of continued rising interest rates and liquidity stress in the U.S., understanding the value of bank deposits in a more current and complete way has become more critical than any time in the past 15 years. Financial institutions need the right data and behavioral analytic insights to understand interest rate and liquidity risks, avoid deposit management pitfalls, and maintain balance sheet stability. Join us as Curinos experts Pete Gilchrist and Greg Muenzen share Curinos-proprietary data insights, including weekly industry deposit trends since the failures of Silicon Valley Bank and Signature Bank, New York, derived from a consortium of U.S. national, regional, and mid-tier banks. 2023 FFIEC Capital Markets Conference. Model Validation & Model Risk Management Rising Interest Rates and the Impact of Unrealized Holding Losses on Debt

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U.S. Banks - Regime Change – Accelerated 1 Hour Significant changes in Federal Reserve monetary policy will have an impact on banks’ asset quality, earnings, and capital. Funding and liquidity conditions will be focal items. Striking the right balance will be the challenge as regulations change. 2023 Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions.

Large Bank Basics

Cash Flow Analysis: Constructing the Cash Flow Statement 1.5 Hours In this course, intended for all credit analysts and loan personnel of financial institutions, especially loan trainees, loan analysts, and experienced commercial lenders, you will learn how to work with accrual-based financial statements, the basic mechanics of cash flow analysis, how to construct a cash flow statement, and how to apply cash flow analysis. 1.5 Hours In this course, you will learn to analyze and interpret a company's historical cash flows and use this information to better understand the risks of repayment. This information will also enable you to detect potential problems earlier. The bottom line will be better loan decisions and fewer loan losses. 1.5 Hours This course, intended for commercial lenders, loan trainees, loan analysts, and any personnel dealing with balance sheets and income statements, addresses the basics of commercial lending, the definition of cash flow, the importance of cash flow analysis, the differences between cash based and accrual-based accounting, and financial accounting skills. 45 Minutes This highly interactive course reviews key Community Reinvestment Act requirements, including public file contents, data collection procedures, and CRA examinations for Small, Intermediate Small, and Large financial institutions. 3 Hours The Business of Large Financial Institutions Learning Unit is an introduction to the world of large financial institutions (LFIs), including the characteristics they share, their business drivers, and their organizational structure. 4.5 Hours The FRS - Large Financial Institution Supervisory Process Learning Unit introduces the large financial institution supervisory process and system oversight, the risks at LFBO and LISCC firms, Cash Flow Analysis: Interpreting the Cash Flow Statement Cash Flow Analysis: Introduction and Accounting Review Community Reinvestment Act (CRA): Comprehensive FRS - Business of Large Financial Institutions FRS - Large Financial Institutions Supervisory Process

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and an introduction to the supervisory cycle and activities. Learners are also introduced to the importance of risk management and the process for documenting and communicating supervisory findings. The first module introduces the supervisory approach for large financial institutions as set by SR 12-17/CA 12-14: Consolidated Supervision Framework for Large Financial Institutions, associated guidance and oversight. The second module describes risks that large financial institutions face and where the learner would expect those risk exposures to be in a large firm. The third module introduces the learner to the supervisory cycle, associated supervisory products, and an overview of system-wide supervisory efforts at LISCC firms and LFBOs. 5.5 Hours The Principles of LFI Supervision Learning Unit is an introduction to how the regulatory landscape and supervisory framework for large financial institutions (LFIs) support the central point of contact’s (CPC’s) critical role in leading the supervisory process to achieve the Federal Reserve’s primary supervisory objectives as stated in SR Letter 12-17/CA Letter 12-14, “Consolidated Supervision Framework for Large Financial Institutions,” which include: enhancing resiliency of a firm to lower the probability of its failure or inability to serve as a financial intermediary and; reducing the impact on the financial system and the broader economy in the event of a firm’s failure or material weakness. Liquidity Risk FDIC Examiner Webinar: Evaluating Market and Liquidity Risk in a Rising Interest 40 Minutes The purpose of this webinar is to remind supervisory staff of the examination approach for institutions that are vulnerable to the effects of rising interest rates on market and liquidity risk. Particularly institutions with long duration asset portfolios. 1 Hour The FHLBanks are an important source of funding or contingent liquidity to its members. The relevancy of FHLBanks as a liquidity provider was emphatically demonstrated during the banking sector contagion event in March 2023. This session included a high-level overview of the FHLBank System and the Federal Housing Finance Agency (FHFA), which is the prudential supervisor of the FHLBanks. Moreover, details on FHLBank advances, including eligible collateral and haircuts, the ability of the FHLBanks to fulfill their liquidity mission, and the liquidity regulatory regime imposed by the FHFA on the FHLBanks was shared with participants. 2023 FFIEC Capital Markets Conference. FRS - Principles of Large Financial Institution Supervision FHLBanks as a Liquidity Source

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Liquidity Facilities 1 Hour Changes in market conditions can highlight the importance of various liquidity sources, including those we don’t think about very often. This session touches on the agencies’ current liquidity facilities and the criteria for using them. 2023 FFIEC Financial Institution Accounting Specialists Conference. Understanding Deposit Value in a Turbulent Rate andMacroeconomic Environment 1.25 Hours Given the backdrop of continued rising interest rates and liquidity stress in the U.S., understanding the value of bank deposits in a more current and complete way has become more critical than any time in the past 15 years. Financial institutions need the right data and behavioral analytic insights to understand interest rate and liquidity risks, avoid deposit management pitfalls, and maintain balance sheet stability. Join us as Curinos experts Pete Gilchrist and Greg Muenzen share Curinos-proprietary data insights, including weekly industry deposit trends since the failures of Silicon Valley Bank and Signature Bank, New York, derived from a consortium of U.S. national, regional, and mid-tier banks. 2023 FFIEC Capital Markets Conference. Enterprise Risk Management (ERM) 20 Minutes Intended for middle management, this interactive course provides an overview of Enterprise Risk Management (ERM), including the ERM framework. This engaging learning experience features high-impact audio (optional) and interactive learning activities. 45 Minutes Enterprise risk management (ERM) provides a framework and system for financial institutions to manage–on an enterprise-wide basis–the financial, operational, event, and strategic risks they face. Aimed at staff with risk management responsibilities throughout the institution, this course covers the goals of ERM, categories of risk it addresses, and considerations for designing and implementing an ERM program. Throughout, the course connects principles of ERM to the loan review function and its particular importance in providing information and insight on credit risk. 15 Minutes Intended for executive leadership and members of the board of directors, this interactive course addresses the importance of planning for disruption caused by natural and man-made disasters, including best practices for establishing a disaster recovery plan. This engaging learning experience features audio, video, and interactive activities. Enterprise Risk Management and Loan Review Executive Leadership: Business Continuity and Operational Risk Operational Risk

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FRS - Operational Risk: Information Technology 40 Hours The Information Technology (IT) learning unit provides learners with the knowledge to gain an entry‐level understanding of the IT environment in a community bank. The learning unit covers the guidelines and expectations for assessment of a bank’s IT audit program, core banking operations, e‐banking, and organizational and administrative structure. The learning unit also covers IT‐related risk management programs including those for: information security, business continuity, vendor management, and Identify Theft Red Flags Prevention (ITPP). The fundamental concepts applicable to IT examination work are addressed; however, the dynamic nature of technology is recognized throughout the learning unit. 1 Hour This session explored significant operational threats facing the U.S. financial system; what regulators have learned through examinations about those threats; and how they are adjusting supervisory strategies. The session also identified controls that have been effective relative to the most significant threats; and the operational risk management techniques that are effective in identifying, measuring, monitoring, and controlling these risks through time. 2023 Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions. Operational Resilience Liquidity Risk Management 1.5 Hours This presentation focused on effective liquidity management using a comprehensive risk framework that includes strong policies, early warning systems, and contingency plans. There was also a discussion on various measurement techniques, best practices, and new trends for modeling applications of liquidity stress testing using a case study approach. 2022 FFIEC Capital Markets Generalist Conference. 1 Hour Higher interest rates have caused significant unrealized holding losses on debt securities at certain institutions, potentially impacting their financial condition and overall risk profile. This webinar discussed examination issues for these institutions. 2023 FFIEC Capital Markets Conference. Understanding Deposit Value in a Turbulent Rate andMacroeconomic Environment 1.25 Hours Given the backdrop of continued rising interest rates and liquidity stress in the U.S., understanding the value of bank deposits in a more current and complete way has become more critical than any time in the past 15 years. Financial institutions need the right data and behavioral analytic insights to understand interest rate and liquidity risks, avoid deposit management pitfalls, and maintain balance sheet stability. Join us as Curinos experts Pete Gilchrist and Greg Rising Interest Rates and the Impact of Unrealized Holding Losses on Debt Price Risk

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Muenzen share Curinos-proprietary data insights, including weekly industry deposit trends since the failures of Silicon Valley Bank and Signature Bank, New York, derived from a consortium of U.S. national, regional, and mid-tier banks. 2023 FFIEC Capital Markets Conference.

Reputational Risk

Enterprise Risk Management (ERM) 20 Minutes Intended for middle management, this interactive course provides an overview of Enterprise Risk Management (ERM), including the ERM framework. This engaging learning experience features high-impact audio (optional) and interactive learning activities. 1.5 Hours FedNow Service: Fighting fraud in instant payments. Faster payments are growing rapidly. Learn about the unique aspects of instant payments and how the Federal Reserve Banks will help participants of the FedNow Service combat fraud. 2023 Financial Crimes Seminar. 1.25 Hours In this session, the speakers provided a high-level overview of digital assets and key industry events from the past year that have impacted the broader banking and financial services sectors. They also walked through the FTX collapse and the role of the digital asset industry in the failures of Silvergate Bank and Signature Bank. Finally, the speakers provided a high-level overview of the digital asset regulatory landscape in key global markets and the USA and conclude with a deep dive on managing IT and cybersecurity risks associated with digital assets. 2023 FFIEC Information Technology Conference. 1.25 Hours This presentation outlined the use of shell companies to facilitate financial-based fraud and includes case examples. Additional information was provided on items to look for in attempting to identify shell companies. 2023 Financial Crimes Seminar. FedNow Fraud Procedures Managing Risk at the Intersection of Digital Assets and Banking The Use of Shell Companies to Facilitate Financial Crime

Strategic Risk

Enterprise Risk Management (ERM) 20 Minutes Intended for middle management, this interactive course provides an overview of Enterprise Risk Management (ERM), including the ERM framework. This engaging learning experience features high-impact audio (optional) and interactive learning activities.

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Enterprise Risk Management and Loan Review 45 Minutes Enterprise risk management (ERM) provides a framework and system for financial institutions to manage–on an enterprise-wide basis–the financial, operational, event, and strategic risks they face. Aimed at staff with risk management responsibilities throughout the institution, this course covers the goals of ERM, categories of risk it addresses, and considerations for designing and implementing an ERM program. Throughout, the course connects principles of ERM to the loan review function and its particular importance in providing information and insight on credit risk. 1 Hour The session was on the economic outlook of the United States in the coming years. The session also analyzed the ongoing global economic trends and their impact on domestic growth as well as on employment trends and consumer spending. The stance of monetary policy in controlling inflation in light of fiscal developments is explored. Finally, the state of the residential real estate industry and factors that will impact it was discussed. 2023 Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions. Macroeconomic Update Compliance Officer: Risk Management 30 Minutes Intended for compliance officers, this interactive course provides an overview of the responsibilities involved in risk management, including compliance, legal, and reputational risk. The course addresses who is on the risk management committee, its policies and procedures, and vendor management. 1 Hour Third-party due diligence is a critical aspect of Third-Party Risk Management (TPRM) since it involves the collection and maintenance of third-party risk information. As Financial Institutions increase their reliance on third-party vendors, oversight of these relationships also increases in complexity. 2023 FFIEC Information Technology Conference. 45 Minutes Intended for employees who have contact with third-party vendors, this interactive course defines vendors and the types of services they provide, outlines the procedures for designing a request for proposal and contract, and describes the types of risks associated with vendor relationships. Course features include audio (optional) and video. Making Better Due Diligence Decisions Managing Third Party Vendor Vendor Risk

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Third-Party Risk Management 1 Hour A discussion on the recent Interagency Third-Party Risk Management Guidance including the requirements for safe and sound operation and how the guidance can assist banks in preparing effective third-party risk management programs. An example analysis of one type of relationship was provided as well as the examiner’s approach to third-party risk. 2023 FFIEC Advanced Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Specialists Conference.

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