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January 6, 2015
Business Accounts Documentation and Procedures with Beneficial Ownership
Deborah Crawford

January 6, 2015
FFIEC Cybersecurity Initiatives and Observations from the 2014 Assessments
Susan Orr

January 15, 2015
The ABC's of IRAs - The Basic Ingredients
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January 20, 2015
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January 21, 2015
HMDA Soup to Nuts
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January 22, 2015
Navigating the Treacherous Waters of IRA Rollovers, Transfers and Beneficiary Payouts
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January 28, 2015
Mortgage Life Cycle
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David Dickinson and Jerod Moyer



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#1190262 - 05/26/09 04:25 PM Debit or Credit Card Risk Assessment Doc
V F Offline
New Poster

Registered: 05/05/06
Posts: 5
Reaching out to anyone who has utilized a risk assessment for any of the referenced products and willing to share.

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Risk Management
#1204326 - 06/19/09 10:41 AM Re: Debit or Credit Card Risk Assessment Doc [Re: V F]
Skyline Offline
Platinum Poster

Registered: 09/08/05
Posts: 566
The risk assessment for implementing a debit card program researches types of risk that may impact the bank’s operations, security focuses, and even compliance with Regulation E. The group’s risk assessment under this scenario identifies the following risks:
• Obtaining compatible, reliable, affordable, security-oriented, effectively implemented, and regulatory compliant software.
• Keeping current with industry enhancements, regulatory changes, and software changes.
• Errors in or failure of software.
• Debit card disclosures and/or periodic statements that are inaccurate.
• Advertisements that are inaccurate.
• Vendor training/support that is inadequate.
• Internal training/support that is inadequate.
• Learning curve will push time limits of personnel and customer service will suffer.
• Employees will disregard the Regulation E requirements, resulting in violations.
• Board and management will be unaware of security and compliance requirements with debit card or have little understanding of them.
• Current bank procedures will not encompass Regulation E.
• The scope of internal or external audit will not include debit cards and related issues of Regulation E.
_________________________
CRCM, CLBB, AAP

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