WIXLIB

Letter from the ManagerThe Federal Financial Institutions Examination Council (FFIEC) was established pursuant to title Xof Public Law 95-630, the Financial Institutions Regulatory and Interest Rate Control Act of 1978(FIRA). The purpose of title X was to create an interagency body empowered to “prescribe uniformprinciples and standards for the federal examination of financial institutions and makerecommendations to promote uniformity in the supervision of these financial institutions.” As partof its mandate, the Council conducts training programs for federal and state financial institutionexaminers.The goals of the training program are to (1) promote training efficiency by encouraging consistencyof examiner education through joint sponsorship of interagency training; (2) develop, maintain anddeliver timely, cost-effective and state-of-the-art interagency training; (3) serve as a clearinghouse oftraining opportunities offered by the member agencies; and (4) provide support to the initiatives ofthe Council and its task forces.Since its inception in 1979, the Council has provided training for 112,000 participants. All programsare offered under the auspices of the Task Force on Examiner Education, whose principal membersare officers of the Council-member agencies and a representative from the State Liaison Committeewho oversee examiner training. Programs are expressly designed to meet the needs of postcommissioned examiners.The training office (FFIEC EEO) relies primarily on the private sector for instructors. Bankers,attorneys, accountants and consultants bring outside expertise to the classroom. This provides asource of instructors to supplement those found in agency commissioning training. Staff membersfrom participating agencies provide lectures on regulatory topics. The FFIEC EEO offerings areassessed annually to assure the examiners are kept up-to-date on various topics in a changingeconomic environment.Since 1999, the FFIEC has continued to update the delivery of training or information via the“FFIEC InfoBase.” The FFIEC EEO in conjunction with the IT Subcommittee has continued tocoordinate revisions of the FFIEC Information Technology Examination Handbook InfoBase. TheFFIEC EEO in conjunction with the BSA Working Group continues to update the online BankSecrecy Act/Anti-Money Laundering Examination Manual InfoBase. All are available atwww.ffiec.gov/exam.FFIEC EEO has continued offering Alternative Delivery training along with its courses andconferences since the beginning of a relationship in 2002 with CSBS who supports two onlinetraining courses. A section in this catalogue outlines the current offerings.FFIEC EEO continues to provide a course-specific supplemental CD to all attendees as a valueadded tool for their training needs. An e-mail address, ffiecfeedback@fdic.gov, has been set up toprovide examiners an opportunity to provide a direct link for personal feedback or suggestions foradditional training.In 2014, EEO re-introduced the International Banking Conference and developed AgriculturalLending by offering three sessions – two of which were in regional locations. EEO plans to continueboth the new Agricultural Lending and the International Banking Conference.In 2015, EEO is working with an interagency group to develop an Interest Rate Risk Workshopwhich is planned to pilot in the fourth quarter of 2015 and offered for 2016 sessions.Karen K. Smith, Manager, Examiner Education, March 2, 2015viii2016 FFIEC Course Catalogue

General InformationWho May Attend?Programs are open to the staff of federal and state financial institution regulatory agencies. Staffmembers from other regulatory agencies will be accommodated if space is available. However, theBasic International Banking Self-Study CD is available to the public at cost.RegistrationAgency employees who are interested in FFIEC training need to be registered through theirrespective agency’s training headquarters. State financial institution regulatory staff should attemptto register through a Council-member agency (some provide partial financial sponsorship) or throughtheir association of state supervisors. State bank examiners may also register directly with theFFIEC. Foreign applicants should look for registration in the FFIEC Member Agency TrainingContacts page (last page of the catalogue).It is suggested that state agencies submit their training requests by July 1 for the following calendaryear. This will be helpful in planning the number of sessions for each program. Otherwise,availability may be limited.TuitionTuition for 2016 will vary by class size, amount of course materials, number of outside instructors,etc. and may vary from 2015 rates. The tuition rates for non-member agency participants areavailable on the FFIEC web site: g FacilityThe FFIEC leases offices, classrooms and auditoriums from the FDIC at the L. William SeidmanCenter, 3501 Fairfax Drive, Room B3030, Arlington, Virginia 22226-3550. Phone: (703) 516-5588,Fax: (703) 516-5487.LodgingOn a space available basis, hotel accommodations for participants can be arranged in the L. WilliamSeidman Residence Facility, 1001 N. Monroe Street, Arlington, Virginia 22226-3500 adjacent to thetraining center; Phone: (703) 516-4630. Reservations should be made by following your agency’spolicy on hotel reservations.Attendee Memo and Pre-Course Assignment MaterialsThe registering agency will send an Attendee Memo and pre-course assignment materials, ifapplicable, to each of its participants at least 30 days prior to the session date. The Attendee Memowill give the location and starting and ending times of the program and the pre-course materials willbe embedded in the memo.Dress CodeThe dress code agreed upon by the member agencies of the Council is “comfortable attireappropriate to a business environment.” Blue jeans, shorts, and t-shirts are inappropriate. Wesuggest that you bring a sweater or jacket as the heating/air conditioning in the classrooms andauditoriums is hard to control.Course PrerequisitesParticipants should meet all course or conference prerequisites as stated in the course description orAttendee Memo. When in doubt, call the registering agency’s training headquarters or a SeniorProgram Administrator to determine eligibility. FFIEC Senior Program Administrators are listed onthe next page.2016 FFIEC Course Catalogueix

Senior Program Administrators and Course ListingCynthia T. Curry-DanielCcurrydaniel@fdic.gov(703) 516-5592Kolby GallantKgallant@fdic.gov703-516-5593Jennifer C. HerringJherring@fdic.gov(703) 516-5594April SchwabAschwab@fdic.gov703-516-5517Questions?For more information call, write or e-mail.Karen K. Smith, ManagerFFIEC Examiner Education3501 Fairfax Drive, Room B3030Arlington, Virginia 22226-3550Telephone: (703) 516-5588Fax: (703) 516-5487E-mail: kksmith@fdic.gov or atffiecregistration@fdic.govAdvanced BSA/AML Specialists ConferenceFraud Investigation SymposiumAdvanced Cash Flow Concepts and Analysis:Beyond the NumbersFundamentals of Fraud WorkshopAdvanced Commercial Credit AnalysisAgricultural LendingAnti-Money Laundering (AML) WorkshopAsset Management ForumBasic International Banking Self-Study CDCapital Markets ConferenceCapital Markets Specialists ConferenceCash Flow Construction & Analysis fromFederal Tax Returns (includes Global CashFlow Construction)Commercial Real Estate Analysis forFinancial Institution ExaminersConsumer Compliance ConferenceDistressed Commercial Real EstateFinancial Crimes SeminarFraud Identification Training Online CourseFraud Investigation Techniques forExaminersxInformation Technology (IT) ConferenceInformation Technology (IT) SymposiumInstructor Training SchoolInterest Rate Risk Workshop (new for 2016)International Banking ConferenceInternational Banking SchoolPayment Systems Risk ConferenceReal Estate Appraisal Review OnlineReal Estate Appraisal Review SchoolStructured Finance: Investment Analysis &Risk ManagementSupervisory Updates & Emerging IssuesConference for Community FinancialInstitutionsSupervisory Updates & Emerging IssuesConference for Large, Complex FinancialInstitutionsTestifying School2016 FFIEC Course Catalogue

FFIEC Examiner Programs2016 FFIEC Course Catalogue Examiner Programs1

Advanced Bank Secrecy Act /Anti-Money Laundering(BSA/AML) Specialists ConferenceSummaryTarget AudienceTheAdvancedBSA/AMLSpecialistsConference is an annual event designed toprovide continuing education to examinerswith specialized BSA experience within thefinancial institution regulatory agencies. Thecontent is focused on new or proposedguidance and regulations and BSA/AMLcompliance issues.The emphasis is onadvanced BSA/AML topics and emergingsupervisory issues related to higher riskinstitutions, products, services, customers, andgeographical locations. The conference mayoffer concurrent sessions with topics ofvarious levels of complexity to allowattendees to focus on their specific interests.Content changes in response to current issuesand industry and regulatory changes.Individual member agencies may establishseparate agency breakouts following theconference, if desired.The conference is intended for examiners withspecialized BSA experience (and for otherBSA subject matter experts) within thefinancial institution regulatory agencies whosupervise institutions that offer higher riskproducts or services, are located in high riskregions, or market to high risk customers.ObjectivesThe length of the Advanced BSA/AMLSpecialists Conference may vary, but is likelyto be 2 ½ days. The event may be followedby separate regulatory agency breakouts. Thenormal conference day is 8 hours of lectureand discussions.Upon completing this conference, attendeeswill have gained knowledge that will beimmediately applicable to the risk assessmentand supervision of BSA/AML complianceprograms.Attendees will enhance theirknowledge of BSA/AML compliance issuesrelated to higher risk institutions, products,services, customers, and geographicallocations.After attending the conference, theparticipants should have a heightenedawareness of regulatory guidance, regulations, andprocedures in the BSA compliancesupervision processsound practices in BSA/AML complianceprograms for financial institutions ofvarious levels of complexityhow to identify money laundering andterrorist financing risks and othersuspicious activity within a financialinstitution2016 FFIEC Course Catalogue Examiner ProgramsThose with responsibility for incorporatingrisk from these activities into overallsupervisory plans and risk assessments forcomplex financial institutions also maybenefit from the curriculum.PrerequisitesIndividuals who attend this conference shouldhavepriorBSA/AMLcomplianceexamination training and relevant jobexperience.LengthTopicsThe conference is designed to provide insightand information on current emerging issuesrelated to BSA/AML compliance. It alsoprovides information on changing regulatoryguidance from the financial institutionregulatory agencies, FinCEN, and OFAC.Therefore, the topics and speakers arerefreshed annually. The program includesspeakers from the financial industry, lawenforcement, and regulatory agencies. Theagenda for the conference will be availableapproximately 30 days prior to the event.3

Advanced Cash Flow Concepts and Analysis: Beyond the NumbersCopyright 2008 Gulbrandsen Consulting LLCSummaryTarget AudienceAdvanced Cash Flow Concepts and Analysis:Beyond the Numbers takes credit and cashflow skills to a significantly higher level.Focus includes cash flow alerts, cash flowtraps, debt capacity analysis, and emphasis ontools to get behind the numbers in a highlyefficient manner. The class instruction isbased on a facilitation style of teaching.Course materials are centered around casestudies and exercises based on actualscenarios.The course is intended for commissionedexaminers at all tenure levels. Attendeesshould have a strong working knowledge ofcommercial loans and a solid understandingof cash flow derivation from related financialstatements. Examiners who are expected toparticipate on shared national creditexaminations or who have experiencereviewing complex credits may benefit fromtaking this course.ObjectivesAt the completion of the course, participantswill be able to Identify a range of cash flow measurementsand determine the appropriate cash flowmeasurement for the situation. Recognize common misuses that may leadto credit problems. Analyze financial statements in order toidentify potential repayment problems evenwhen companies show positive earningsand positive cash flow. Broaden recognition of cash flow earlywarning signals to identify potentialproblems that have been missed by theindustry in recent years. Recognize cash flow traps that bankersfrequently “fall into” and successfullynavigate through these traps. Implement new models for getting behindthe numbers, identifying repayment sourceswith greater precision, and capturing theessence of the credit situation in a highlyefficient manner – this includes a “3-minutetool” for capturing the essence of a cashflow situation. Apply latest debt capacity tools, including acash flow test to assess “evergreen”revolvers.4LengthThe course is 4½ days. It begins at 8:30 a.m.on Monday and ends on Friday at 12:00 noon.The normal class day is 8 hours.Pre-Course StudyFFIEC provides each agency trainingdepartment the pre-course documents andAttendee Memo approximately 6 - 8 weeksprior to the session. The pre-course materialis embedded within the Attendee Memo. Theestimated time to complete the pre-courseassignment is approximately 6 hours.RequirementsParticipants must bring a calculator to class.Note: This course complements AdvancedCommercial Credit Analysis and Cash FlowConstruction and Analysis from Federal TaxReturns; however, none of the courses areprerequisites for each otherApproved for 2015: 33 Credit Hours2016 FFIEC Course Catalogue Examiner Programs

Advanced Commercial Credit AnalysisSummaryFFIEC’s Advanced Commercial CreditAnalysis (ACCA) course is offered to enhancethe commercial credit analysis skills ofcommissioned financial institution examiners.Paragon Analysis Corporation is the vendoroffering the course, which focuses on arepayment analysis framework incorporatingintensive qualitative and quantitative analysisthat will allow examiners to effectively assessthe credit risk of a commercial credit anddetermine an appropriate risk rating. Thecourse is taught at an intense pace and willinclude lecture, interactive case studies andindividual exercises to apply conceptsintroduced in the course.Case study commercial loan examples includemanufacturing, distribution, and leveragelending. The content will NOT include realestate loan analysis.ObjectivesAt the completion of this course, participantswill be able to: Determine the key credit risks andassociated mitigating factors of acommercial credit transactionAnalyze borrower financial statements toevaluate the sustainability of revenuegrowth and earnings, the overall qualityof earnings, and the company’s liquidity,working capital, and leverage positionsEfficiently construct cash flow statementsand evaluate various cash flow coverageratiosIdentify and evaluate the strength of aborrower’s primary and secondary sourceof repaymentDetermine appropriate capital structuresbased on the forecasted cash flow and theoverall debt capacity of the companyTarget AudienceThe course is intended for commissionedexaminers who have experience reviewingcommercial loans that vary in complexity andsize. The attendee should have a solidfoundation in the analysis of businessfinancial statements, basic accounting, and thesources and uses of cash.Examples of the target audience includeexaminers who participate on shared nationalcredit examinations or who review a varietyof commercial and industrial loans on aregular basis that want to strengthen theircredit analysis skills.LengthThe course is 4 ½ days. It begins on Mondayat 8:30 a.m. and ends on Friday at 11:00 a.m.The normal class day is 8 hours.Pre-Course StudyThis course requires all participants tocomplete pre-course readings and anassignment.

Letter from the Manager The Federal Financial Institutions Examination Council (FFIEC) was established pursuant to title X of Public Law 95630, the Fi- nancial Institutions Regulatory and Interest Rate Control Act of 1978