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Matrix overdraft systems: more risk than reward?

By Richard Miller, Executive Vice President


Overdraft programs with dynamic limits can be short-sighted by placing profit over principle at unfair and consequential expense to account holders. Their undisclosed methods can lead to higher charge-offs and account holder turnover. In contrast, a fully-disclosed overdraft program promotes transparency and responsible use, providing your account holders with a financial safety net at an established price, one designed to solve a short-term liquidity situation with your account holders.

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Don't be complacent about overdraft compliance

By Cheryl Lawson, EVP-Compliance Review


In the absence of a definitive regulatory ruling on overdraft strategies, some financial institutions have placed their overdraft program on autopilot or have put the idea of providing a financial safety net for their account holders on the back burner. If you’ve become complacent about overdraft compliance, learn how implementing a fully disclosed overdraft privilege program now can help you avoid increased regulatory scrutiny—regardless of when a final ruling is introduced, get back on track to improving overall performance and provide account holders with a valuable financial service.

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Top Five Plays for Building an All-Star Executive Team
By Charles Shanley, SPHR, SHRM-SCP, CFS 
Executive Vice President-Recruitment Services

Rock-star results require a diversity and depth of skills in today’s competitive business environment. High-caliber leadership is essential in dynamic workplaces that can include up to four generations of workers. Read the five steps necessary to access talent for long-term success.

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Solid Business Practices (Not Luck) Drive Success

By Mark Roe, National Director


Around St. Patrick's Day, luck is in the air. And while luck may be good for things like flipping a coin or avoiding a sudden downpour, it's not something you can count on in your business strategy.

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How to Respond to a Regulatory Hiatus
Hint: Don’t be complacent about overdraft program compliance

By Darin Byrd
VP, Strategic Sales

Regulators continue to contemplate their next move on new rulings for financial products and services.  For many financial institutions a feeling of uncertainty remains as to the impact of this regulatory hiatus. Learn more about comments made by regulators and compliance attorney panelists at the 2017 CUNA Government Affairs Conference (GAC), and discover how to avoid regulatory ambiguity and compliance risks. Read more
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