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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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Categories: Overdraft PrivilegeArticles
Tags: Complianceoverdraft programoverdraftsbest practicesCheryl Lawsonaccount holderoverdraft strategyaccount holder strategiesaccount holdersaccount holder retention
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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Categories: Recruitment ServicesArticles
Tags: Charles ShanleyRecruitingRecruitment Servicestalenttrainingsuccession planningcultureemployeesrecruitment strategiesemployee retention
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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Categories: Revenue Enhancement & Expense ManagementProcess ImprovementBusiness Strategies & PlanningArticles
Tags: Profitability ImprovementOrganizational Healthexpense managementefficiency studiesincome enhancementbest practicesbranch profitabilityMark Roeemployee retentionaccount holder retention
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
Categories: Overdraft PrivilegeArticles
Tags: Compliancecompliance risksCFPBConsumer FInancial Protection Bureauoverdraft strategyoverdraft practicesDarin Byrd
Value & Volume as a Business Model Offers the Best Results
By Richard Miller
Executive Vice President

Surprises in business are often undesirable and can lead to frustration for the customer. To prevent such instances, banks and credit unions should strive to offer programs, such as fully-disclosed overdraft program, that feature consistency and transparency. By treating a broad account holder base fairly— and not a select group greedily— it inspires a culture that encourages, rather than discourages, the use of a valuable service should they need it. Learn how you can achieve both your income and account holder satisfaction goals. Read more
Categories: Overdraft PrivilegeArticles
Tags: Generating Incomefeesincomeoverdraft feesfinancial stabilityrevenueOverdraft programsRichard Milleraccount holder strategiesaccount holder retention
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