August, 2004 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! Digital Security International Provides reliable and cost effective information security products. E-Funds Provides payment and technology solutions that strengthen overall profitability. FinanCenter Provides award winning marketing technology and increases marketing campaign ROI. John M. Floyd & Associates Provides services to reduce expenditures, generate new income and increase profitability in areas like overdraft privilege. Marquis Software Solutions, Inc. Provides solutions for CRA, HMDA and Fair Lending management plus profitability, MCIF and Sales/Service contact management. Primary Payment Systems Provides a suite of Early Warning solutions, to mitigate deposit, payment, and identity fraud losses. Security Software Solutions Provides services to check the validity of social security numbers quickly and securely online over the internet, and is also used for identity verification and to comply with the U.S. Patriot Act. VECTORsgi, Inc. Provides financial transaction processing including a Check 21 assessment implementation service. Did you miss a previous issue of the Roundup? Click here. This month, we’re delighted to introduce three new gurus! Dan Persfull is Vice President and Compliance Officer for The Peoples State Bank in Ellettsville, IN. He has a broad financial services background, starting his career with Commercial Credit Corporation in 1974, and spending 18 years with Bank One and three with the Indiana University Federal Credit Union. He’s held positions in collections, consumer and commercial lending, and loan operations. Dorothy Gray is CEO of Data Specialists, where she has developed business continuity, disaster recovery, and business resumption plans for financial institutions and small businesses. Dorothy formerly developed disaster recovery planning and IT audit programs form the Oklahoma Bankers Association, and worked for 16 years with the Department of Defense. Ryan Rasske is BSA/Corporate Security Manager at Associated Bank, responsible for the bank’s anti-money laundering, Bank Secrecy Act and OFAC compliance programs. He has a busy training schedule, specializing in CIP, Identity Theft, Risk Ranking, and Detecting Suspicious Activity, and was a speaker at the 2004 ABA Regulatory Compliance Conference in Chicago. Click over to Guru Central to learn more about  what our gurus can do for you. New Products in the . . . Security Program Manual a publication by Dana Turner Selling Strategies for Today's Banker a publication by Dennis McCuistion Seven Challenges Facing Bankers in the Future a publication by Dennis McCuistion Quality Sales Leadership for Today's Financial Executive a publication by Dennis McCuistion Superior Salesmanship for New Accounts a CD presented by Honey Shelton Coaching Cross-Selling on the Teller Line a video presented by Honey Shelton Cross-Selling at the Teller Window a video presented by Honey Shelton The Customer Service Manager a video presented by Honey Shelton Delivering Exceptional Service a video presented by Honey Shelton The Phone, The Customer, and You a video presented by Honey Shelton Bank Customer Service Summary a packet of 25 tests. Homeowners Counseling Notice a Lending Form Banker Theme eCards BOL is the only spot on the Internet where you can find free virtual greetings on banking-related topics. Let’s face it. Sometimes you just need another way to get your message across. Try one of the newer additions to our redesigned e-card exchange to add that extra punch. Click here and take a look! Ever wish you could find just the right thing to say to a coworker? This works well as a desk sign also. Check out this new compliance themed card - and see if you can find others born on the same GreatBlue lily pad in other areas of the eCards. Don't forget that anniversary! Here is a beautiful card to send to someone that will give a hint of what is to come when you get home from work. There are more personal cards of this type under Occasions in the Love category, and under Sentiments in the Flowers category. If you need to get away with a friend to commiserate over lunch, make that date with one of our new food e-cards (some of these actually look healthy). BOL eCard Exchange BOL Learning Connect August Webinars Now through August 20th Midsummer Dream Training Sale Buy 2 CDs - Get ONE FREE (Discounts taken at checkout) Find them in the Banker Store! Wednesday August 11th Check 21: Train the Trainer Mary Beth Guard and Ken Golliher Wednesday August 18th New Accounts Strategies Dana Turner New Date! Thursday August 19th Superior Salesmanship for New Accounts Honey Shelton Wednesday August 25th 25 Ways to Make More Loans Dennis McCuistion Friday August 27th Check 21: Consumer Compliance Mary Beth Guard and Ken Golliher Favorite Threads With over 225,000 messages, Bankers' Threads has no equal as a spot for bankers to network and exchange information. Check 21 Final Rule? Check 21 Disclosures Hiring the Best Teller Negative Information FACTA FACT Act & Credit Scores Affiliate Marketing Rule and Opt-Out Insiders and Loans SSNs for Aliens SCRA Rate Reduction CRA Size Threshold Reporting CRA Renewals BSA Examiners in house! Travel Rule BPA & Cashless Offices CameraPhones in Banks Stop Payments on Cashier's Checks Internet Banking Marketing Salary Survey Reg. DD & Free Accounts Audit Salary Survey Surprise Cash Counts Forcing Employees to Bank With You Error Resolution HMDA Preapprovals Standard Flood Determination Hottest Articles Check 21 Final Rules Can You Bank on IE Security? ID Fraud: Stolen Millions "Can You Describe the Robber, Please?" Check 21: The Basics and More Important Exception to BSA Rule EXPIRES Check Kiting, Float for Purposes of Profit FACT Act Is a Reality Disaster Recovery & Business Resumption Planning Check 21: Ten Customer Questions Revocable vs. Irrevocable Trusts Forged Endorsements: Examining Checks Employees on Military Leave Responsibility For Post Dated Checks How Will Check 21 Affect Reg CC? What You Need to Know About Check 21 Checks with No Personal Endorsement Check 21 Standards: ASC X9 Statement Check 21 Is Here FRBs Make Check 21-related Announcements CIP Rules Define 'Customer' Connected Threads on CRA Connected Threads on Fair Lending New HUD RESPA Policy on Payments The Scoop on the Equal Housing Lender Logo 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 August to make room for next month's lucky winner. Newest Tool ACH Policy By popular demand we have added an "ACH Policy" to the Banker Tools. This policy is written to comply with all ACH rules, regulations and other related requirements. The policy specifically defines this institution’s intentions regarding the requirements under ACH Rules, the Green Book, Federal Regulation E, and Uniform Commercial Code Article 4A which permits alternative handling based upon individual financial institution policies and procedures. We thank the banker who wished to remain anonymous, yet still wanted to share this with her peers.