June, 2005 Here's our BOL MONTHLY ROUNDUP The hottest articles, best Threads, newest tools, latest products, new faces, and a look at some of the sponsors and advertisers who make it all possible! Vendors in the BOL Family A warm welcome to the following companies who have joined BankersOnline.com or BOL Vendor Connect, or renewed during the past month as advertisers or sponsors. These companies help make BOL possible. We urge you to learn about their offerings today! Applied Intent, LLC - Provider of compliance solutions including GLBA compliance, information security, Sarbanes-Oxley and risk management. Bank Detect - Provides technical solutions for the prevention of fraud and abuse, and for compliance with Bank Secrecy and Patriot Act requirements. Cognos® - Source for business intelligence and corporate performance management solutions to better analyze and report on customer, product and channel profitability. Kirchman - For banking compliance solutions. Offers products, seminars and manuals, including the Kirchman Regulatory Service Compliance Manual. Are you our LUCKY BOL USER? We've hidden the name of one of our BOL users in this email. If you find it and that user name belongs to you, email us within 2 days with your shirt size and your mailing address, so we can send your Lucky Winner prize to you. Your prize must be collected during the month of June to make room for next month's lucky winner. Did you miss a previous issue of the Roundup? Click here. This month, we shine our Guru Spotlight on David Dickinson, a frequent contributor to Bankers' Threads and BOL Guru Q&As. David is a graduate of the University of Nebraska-Lincoln with a degree in Financial Management. He is a highly trained expert in Compliance regulations. David began his career at the FDIC as an examiner and later became a Loan Officer for a $110-million bank. He is president of Banker's Compliance Consulting, which he established in 1993. David has designed Lending and Deposit Operations Compliance manuals and frequently speaks for banking and civic organizations. He also conducts innovative Lending and Operational Compliance Seminars. His quick wit and sense of humor transform the usually tiring topic of compliance into an enjoyable educational experience. Click over to Guru Central to learn more about  what our gurus can do for you. Can you spot a fake ID? Give yourself an advantage. Here's a great (and inexpensive) way to check some of the security features built into the identification used by your customers. Great for checking security features on driver's licenses, state IDs, and the NEW U.S. currency. 6" handheld black light fixture with flashlight. Works with 4 AA batteries (not included). New CDs! • Holds for Tellers • HUD 1/1-A Settlement Statements • Safe Deposit Compliance and Legal Issues • MSBs/NBFIs as Bank Deposit Customers: The New Guidance • Debit Card Compliance: It's In the Cards • Achieving Teller Excellence Banker Theme eCards BOL is the only spot on the Internet where you can find free virtual greetings on banking-related topics. If a picture is truly worth a thousand words, our eCard Exchange speaks volumes. Browse our gallery of photographic art and less serious offerings and you'll find just the right image to convey your words. Click here and take a look! It's right around the corner! Clean up your barbecue grill. Prepare for backyard cookouts, and get ready to celebrate our Nation's heritage by sending one of our Fourth of July selections! Do you know someone who'll be wearing a cap and gown this month? Why not send an ecard from our Graduation collection? BOL eCard Exchange BOL Learning Connect June Webinars June 9 Loan Application Rules Jack Holzknecht June 13 Opening Business Deposit Accounts: Documenting Existence and Authority Ken Golliher June 20 Overdraft Marketing and Policies – Adapting to the New Rules Ken Golliher and John Burnett June 21 Forgery, Altered Documents Dana Turner June 22 25 Ways to Get More Business from Current Bank Customers and Attract New Ones Marcia Yudkin June 29 Top Compliance Mistakes - Operations Mary Beth Guard and John Burnett  Favorite Threads With over 374,000 messages, Bankers' Threads has no equal as a spot for bankers to network and exchange information. Check 21 Time for Error Resolution TransUnion Factor List of Factors Adverse Action Notices, Reg. B vs. FCRA Avoiding Reg. Z with Your ODP Reg. DD Amendments CRA and Letters of Credit Credit for a Loan to an Inn BSA Risk Assessment OFAC & Property Sellers Nigerian Wire...Suspicious? Qchex, Fraudulent Checks E-Statements, E-SIGN, and Demonstable Consent Internet Banking Logon Security Bonuses Giving Away Fireworks Wheel of Fortune Keeping the Internal Auditor in the Loop Auditing Branches Holding Cashier's Checks Privacy Breach Exempt from RESPA GFE Delivery Summer Dress Code Referral to UCC in Security Agreement SCRA Accrual Requirements  Hottest Articles New ODP Information Requirements Analyzed Bank Insiders Allegedly Sell Customer Data $9,250,000 Judgment for Missed Paperwork Students More At Risk For ID Theft Teller Issues -- A Q&A When parties fail to sign the signature card Fundraising Ticket Sales for Prize (In Bank) Identity Theft: Protecting Customers & Avoiding Losses Training Page: Spotlight On…Claims List of Required Signage from the FDIC Risk Assessment Survey Form Account Ownership and Telephone Transfers SPOTLIGHT ON…Return Items, Part II Steps to Prove Check Kiting Does Bank File SAR for Scammed Customer? Why Waldensouth Banks Need Geolocation APY Calculation Question New IRS Team Provides Education to Combat Money Laundering Providing Services to MSBs He Was Short-Changed! Two loans at closing - one HUD-1 Monitoring Loan Customer who is an MSB? "Yes, That Check Will Clear," Violating the USAPA? Is new information required on every application? Will Promo Open a Treasure Chest or Can of Worms?  Newest Tools Cindy Williams of Community State Bank, N.A, Ankeny, Iowa created a form, "Assessment of Unauthorized Access To Sensitive Customer Information Worksheet" so that you can have one document to describe and guide your actions investigating information security breaches and the potential unauthorized access to sensitive customer information. Maria Roush has created an outstanding PowerPoint training presentation designed to acquaint new employees with many of the consumer protection regulations and more. You may use this as one presentation or break it up into smaller training sessions covering one requirement at a time. BOL user Jamie Fritz has developed and contributed to Banker Tools a Customer Information Risk Profile form to help CSRs gather and document the appropriate information to help assess the risk posed by a particular customer. BOL user Jan Hannon has developed and contributed to Banker Tools a Clean Desk Checklist to assist in Customer Information Security. This takes you through ten separate types of threats to insure your information is secured. BOL User Devil Girl has contributed worksheets designed to help financial institutions comply with Bank Secrecy Act obligations to identify High Risk Entities. She includes examples to raise awareness and step-by-step instructions. Richard Bauer, another BOL User, read the latest regulatory guidance on MSBs and it inspired him to develop this handy two-page form for performing and documenting a review and risk assessment on customers who are money services businesses. His MSB Review and Risk Analysis Worksheet is available in PDF and Word formats.