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The Rules on Overdraft Programs Have Changed, but Consumers Still Need a Financial Safety Net

By John M. Floyd, Chairman and CEO

As regulators determine their next steps regarding rules on consumer financial products, many consumers continue to face financial difficulties. By striking a balance of compliance and good service, you can alleviate your compliance concerns, increase revenue and provide account holders with a valuable resource.

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Challenging Business Environment Creates Need for Quality Leadership
Getting the best executive search results takes experience and connections

While there are many challenges outside of your control in today’s ever-changing business environment, professional recruiting expertise and resources can ensure that you gain access to the perfect leadership fit for your institution.

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Clear Up Cloud Computing Confusion with IT Contract Expertise

By Kelly Flynn, National Director

As data security continues to be a concern for regulators and consumers, financial institutions must have clear and reliable security policies in place before utilizing cloud technology to store and manage account holder information.

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While Economy Improves, Many Consumers Still Need A Financial Safety Net
If your bank or credit union isn't providing overdraft services, consumers will likely look elsewhere

By John M. Floyd, Chairman and CEO

For many consumers, meeting every day financial obligations continues to be a challenge. With little or no financial safety net, they often face costly merchant check return fees or turn to costly, often unregulated products to pay for emergencies and unexpected expenses. Learn how to strengthen your position as a preferred provider of financial services and increase your competitive advantage in the marketplace by providing your account holders with a fully compliant, consumer-friendly overdraft program.

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Strategically Evaluate Staff Resources for Improved Efficiencies
Do you have the "right-size" of staff in place?

By Jan Southern, Senior Consultant

Do you have the “right-size” of staff in place?  Maintaining the right level of employee skill and expertise can directly impact your operations and account holder service to positively enhance ROI. Learn how right-sizing your staff can help your financial institution achieve maximum results.

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When Did Your Overdraft Program Last Undergo a Thorough Review?
When did your overdraft program last undergo a thorough review?  Extensive regulatory changes have contributed to significant revenue losses and compliance risks.  Learn how to protect and improve revenue as well as protect your financial institution from compliance risks. Read more
Attract New Borrowers and Create Loyalty
Implement a proactive loan acquisition strategy
Delivering a firm offer of credit at the very moment consumers may be considering offers from your competition is an efficient way to improve your lending program and acquire new account holders to serve.  Plus, learn how to get a free market assessment. Read more
Is Your Overdraft Program Providing Optimal Results?

By John M. Floyd, Chairman and CEO

As regulators and consumer groups continue to focus on the expectations of transparency and full disclosure when it comes to consumer products, offering an overdraft program that is not up-to-date can have a strong impact on a financial institutions’s compliance, and ultimately, revenue.

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Weighing the Benefits and Risks of Outsourcing Technology Management
While more financial institutions are turning to outsourcing services and new technology to improve efficiency and trim expenses, many are doing so with little knowledge of how to manage such relationships and resources.  Learn how IT service contract expertise can help your institution avoid potential compliance and performance pitfalls. Read more
Helping Account Holders Maintain Financial Stability has Far-Reaching Benefits

By John M. Floyd, Chairman and CEO

Learn about how a fully disclosed, fully communicated overdraft program can provide benefits to consumers just when they need it.  As their financial services provider you can help them manage their money better without having to go anywhere else which helps you add value to your relationship.

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Are You Linked?
Look to HR for social media policies and compliance

As consumers rely more on social media to stay informed, get connected, and interact with the marketplace, financial institutions have an opportunity to reach more audiences through more avenues than ever before possible – and reach them fast.

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Generating Non-Interest Income in a Highly Regulated Environment

Financial institutions looking for ways to remain viable and competitive can no longer rely on conducting business as usual. As the opportunities to generate fees from traditional services are reduced, many are concerned with how to maintain a level of income that allows them to offer the services that keep them competitive. It’s a challenging balancing act at best: increase your bottom line while staying compliant and delivering the services and service levels your account holders demand.

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Steps You Can Take to Remain Viable in Uncertain Times

By John M. Floyd, Chairman and CEO

Since the economic downturn in 2008, financial institutions across the nation have made adjustments to increase revenue and reduce expenses. But no one expected the difficult conditions to last as long as they have. Five years later, economic and regulatory factors continue to restrict revenue opportunities. Financial institutions face new worries today about the cost of regulations, increased capital requirements, low interest rates, and reduced loan quality and demand.

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Minding Your Social Media Ps and Qs
A well-managed program can enhance brand loyalty and communications

By Charles Shanley, SPHR, CFS, Executive Vice President, Recruitment Services

Learn how to establish a workable social media policy to get the most impact for your organization. Social media can be an effective communications tool for enhancing brand loyalty, as well as recruiting talent to fill your organization’s openings.

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Do You Have the Technology Know-How to Effectively Manage Your IT Contracts

By Kelly Flynn, National Director

As technology becomes more and more of an integral part of how financial institutions operate and provide account holders with the products and services they need, information technology (IT) services can account for as much as 70 percent of total spending, depending on the scope of services implemented. And as efforts to curb unnecessary expenses continue as a strategy for countering declining revenue, credit unions must keep a watchful eye on their IT service contracts to make sure they are getting the most appropriate tools to meet their goals, along with the best prices and terms.

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