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A Cautionary Tale: Don’t Put Important Service Initiatives on Auto-Pilot

You may think everything is fine with your overdraft privilege program if no new policies have been issued and it is generating income. But, if you are allowing it to operate with little or no additional oversight, you could be setting yourself up for potential missteps or even violations that can result in costly consequences or poor performance. Learn more about the consequences of putting your overdraft program on auto-pilot.

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With Cordray’s Departure, What Direction Will the CFPB Take?

On November 15th it was announced that Consumer Financial Protection Bureau director, Richard Cordray, is stepping down before the end of the month, eight months earlier than expected. Learn how we help our clients with the most accurate guidance and regulatory perspective.

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Hiring Managers: Act Now to Start 2018 on a High Note

by Charles Shanley, Executive Vice President

Waiting to ring in 2018 before addressing your hiring needs? Don’t let end-of-the-year tasks keep you from getting ahead of the competition. Find out how you can stay ahead by using the final weeks of the year wisely.

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Start Your Job Search Now for a Successful 2018

by Kim Kreps, Executive Search Director

Last January, did you resolve, with the best intentions, to put your job search into high gear? Or, perhaps you’re waiting for the holiday season to die down before checking out your career options? We have a little secret for you: contrary to what you may have heard about hiring around the holidays, NOW is actually the best time to get started on your job search. Read on to discover why you’ll have the edge over other candidates if you start today.  

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Optimize Your Contracts and Meet Millennial Demands
A One-Two Punch

With a savvy JMFA contract negotiator on your side, you can secure the best deals from your vendors and save money on your card processing contracts. Along the way, we can also help you secure “digital wallet” services that will help keep your offerings fresh and make you more appealing to the powerful Millennial market.

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Why Proper Training Makes All the Difference to Your Bottom Line
Why Proper Training Makes All the Difference to Your Bottom Line

Everybody has questions the first day on the job. Likewise, bank and credit union employees will certainly have questions when you launch a new overdraft program. You’ll want to be able to answer these questions accurately so they are well-equipped to communicate information to your account holders, thus building trust and fostering a relationship. Learn about the value of proper training in this situation, and why it may not cost you any extra money to provide thorough and ongoing training—but it could greatly improve your bottom line. 

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PRESS RELEASE: New Regional Director
John M. Floyd & Associates announces new regional director
Meet Brad Davis, JMFA’s new regional director for Tennessee, West Virginia and Kentucky. Brad joins our staff with more than 30 years of experience in technology and operational systems services within the financial services industry. Read more
Proactive Measures Today Lead to Greater Success Tomorrow
As regulators continue to study overdraft programs and finalize plans to test new consumer disclosure prototypes, many banks and credit unions have chosen to put upgrading their existing overdraft offering on the back burner. Discover why now is the perfect time to proactively align with the most accurate overdraft guidance and best practices, or upgrade a non-disclosed program to a transparent solution. You’ll see how a fully compliant overdraft program can help you avoid regulatory scrutiny and experience positive results for your institution and your account holders.

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Inside or Outside? You Be the Judge

When it comes to analyzing and optimizing your bank or credit union’s non-interest income, revenue opportunities, organizational structure, contracts, processes, technology utilization and delivery channels, do you hire outside experts or make it an inside job? While you may initially lean toward tackling the project internally, it may be worth a second look at all the advantages a team of skilled consultants can offer your organization.


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How to Prepare for (and Ace!) an Interview
How to Prepare for (and Ace!) an Interview
Tips for Recent Grads (Part 2)

Having studied Part 1 of our two-part series for recent graduates on how to ace an interview, you already know how important pre-interview research is, the best time to arrive, and how to present yourself in person or on the phone in order to make a great first impression. Read on for the intricacies of the interview itself.

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Experience the Freedom of the Perfect Fit

When an executive-level job candidate is matched with the perfect position and employer, and vice versa, we start living in the moment. One eye is never looking for “the next best thing” because both parties have found exactly that in each other. Discover how the perfect fit can be so important—and so freeing—for you and your bank or credit union.

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Take a Vacation from Contract Negotiations
Delegating is a key ability of successful leaders everywhere. When it comes to contract negotiations, this is one task where delegating can result in huge savings for years to come. Instead of assigning this important undertaking to a busy employee, why not get a dedicated agent to work persistently, assertively, and skillfully on your behalf?

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John M. Floyd & Associates Approved as a Registered CPE Sponsor

Continuing professional education credits available for attending JMFA Academy

PRESS RELEASE

HOUSTON, Texas, (July 7, 2017) – John M. Floyd & Associates (JMFA) – a leader in profitability and performance-improvement programs, and consulting services for banks and credit unions – announced today that it has been certified by the National Association of State Boards of Accountancy (NASBA) to be a sponsor of continuing professional education (CPE) through the JMFA Academy
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What’s on your ‘overdraft program’ checklist?
Though a basic concept―helping an account holder overcome a checkbook oversight or emergency situation―overdraft programs involve several moving parts for your organization: notification, sign-up, and usage to name a few. Accordingly, having an implementation checklist can help you achieve compliance and avoid charges of deceptive practices. Read on to learn if your overdraft program is one that checks all the boxes for organizational and account holder success.

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