Bank Policies and Procedures: A Working Guide to Regulatory Compliance

Bank Policies and Procedures: A Working Guide to Regulatory Compliance guides effective accuracy in key bank functions with sample bank policies and examples.
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Regulatory compliance costs the banking industry hundreds of millions of dollars every year. And now the new risk management guidelines mandate that you have policies and procedures for everything from credit risk to liquidity risk. Even interest rate and legal risks must have their own policies and procedures.

Bank Policies and Procedures: A Working Guide to Regulatory Compliance is your blueprint for developing and implementing the policies and procedures mandated by the regulators. Sample policies and procedures for every key area of the bank help save hours of time and help ensure that your bank has effective, proven policies and procedures that have been implemented by banks just like yours.

Policies include:
•  Identity Theft
•  E-Banking
•  Problem Loans
•  Social Media
•  Foreclosures
•  Private Banking
•  Strategic Planning
•  Asset/Liability Management
•  Prepaid Card Activities
•  Capital and Dividend Planning
•  Customer Data Protection/Privacy
•  CRA and Fair Lending Laws
•  Investments
•  Loan Review and Credit Scoring

The Bank Policies and Procedures manual has been structured to meet the needs of different users — from policy and procedure developers to those supervising or evaluating the work of others. Policy and procedure developers will find that this book will help them to organize their approach to bank policy and to ensure that specific areas are covered and analyzed during the policy and procedure development process.

For those managing the development process, bank policies and procedures examples in this manual will help in reviewing the effectiveness and adequacy of your bank policies and procedures— whether you are testing to see if a particular area is covered by a policy, determining whether a policy contains the information required, assessing the scope of a procedure, or ensuring that a policy meets the requirements of regulatory agency examiners.

Subscribers will receive a downloadable file containing editable policies and procedures.

Editable Documents and Sample Bank Policies

The publication subscription includes downloadable files delivered through the LexisNexis® Store download center. The downloadable files include the following features:

•  The entire publication is provided in a Folio infobase, offering a robust search engine and the ability to jump from one search match to the next through the entire publication. The Table of Contents for the entire publication can be viewed side-by-side with the text.

•  Editable Microsoft® Word files are included in the Folio infobase and can be downloaded and customized. The Word files are fully formatted and will be updated to reflect changes made in corresponding text sections of the publication. Word files are provided for a variety of documents, including exhibits, checklists, sample policies, sample procedures, sample audits, questionnaires, and model forms.

This publication includes editable Word files for the following documents:

No.     Title
1.1      Policy Needs Assessment Worksheet
1.2      Sample Policy Tracking Form
1.3      Policy Review/Enhancement/Writing Timeline
1.5      General Policy Review Matrix
2.01    Conflict of Interest/Code of Ethics
2.02    Capital Planning
2.03    Dividend Planning
2.04    Audit
2.05    Regulatory Compliance
2.06    Strategic Planning
2.07    Branching
2.08    Human Resources
2.09    Board Supervision
2.10    Affiliate Transactions
2.11    Management Succession
2.12    Risk Management
2.13    Marketing and Advertising
2.14    Training
2.15    New Products/Services
2.16    Compensation for Executive Officers
2.17    Charitable Contributions
2.18    Management Supervision2.19    Internal Controls
2.20    Insider Activities
2.21    Standards for Safety and Soundness
2.22    Risk Control
2.23    Americans with Disabilities Act
2.24    Customer Data Protection/Privacy
2.25    Complaint
2.26    Financial Modeling
2.27    Litigation
2.28    Due Diligence — Acquisitions
2.29    Preventing Elder/Impaired Customer Abuse
2.30    International Banking
2.31    Diversity and Inclusion in the Workplace
3.01    Credit Risk
3.02    Loan Review
3.03    Loans to Insiders
3.04    Other Real Estate Owned
3.05    Problem Loans
3.06    Community Reinvestment Act — Large Institutions
3.07    Community Reinvestment Act — Intermediate Small Institutions
3.08    Community Reinvestment Act — Small Institutions
3.09    Allowance for Loan and Lease Losses
3.10    Credit Cards
3.11    Fair Lending
3.12    Asset Management
3.13    Real Estate Appraisals and Evaluations
3.14    Direct Leasing
3.15    Asset Securitization
3.16    Credit Scoring
3.17    Trade Financing
3.18    Subprime Lending
3.19    Accounts Receivable and Inventory Financing
3.20    Bankers' Acceptances
3.21    Mortgage Banking
3.22    Fair Credit Reporting Act
3.23    Stress Testing
3.24    Concentrations of Credit
3.25    Overdraft
3.26    Collections
3.27    Loan Originator Compensation and Steering
3.28    Commercial Real Estate
3.29    SAFE Act Program
3.30    Environmental Risk Management
3.31    Foreclosures
3.32    Consumer Non-Real Estate Lending
3.33    Residential Mortgage Lending
3.34    Regulatory Compliance Mortgage Servicing for Portfolio Loans
3.35    Mortgage Servicing
3.36    Department of Defense— Military Lending Act
4.01    Investments
4.02    Funds Management (A/L Management)
4.03    Brokered Funds
4.04    Retail Nondeposit Investment Sales
4.05    Discount Brokerage
4.06    Profit Planning/Budgeting
4.07    Regulatory Reporting
4.08    Interest Rate Risk
4.09    Fixed Assets
4.10    Expense Payments
4.11    Securities Trading
4.12    Transfer Agent Activities
4.13    Securitization Activities
4.14    Outsourcing
4.15    Private Banking
4.16    Purchases of Life Insurance
4.17    Domestic Due from/Due to Correspondent Accounts
4.18    Purchase of Insurance
4.19    Accounts Payable
4.20    Foreign Exchange
4.21    Accounting
5.01    Physical Security
5.02    Daylight Overdrafts
5.03    Expedited Funds Availability
5.04    Bank Secrecy Act/Anti-Money Laundering
5.05    Record Retention and Recordkeeping
5.06    Wire/Funds Transfer
5.07    Deposits
5.08    Purchasing
5.09    Personal Banking
5.10    Service Fees
5.11    Teller Operations
5.12    Interbank Liabilities
5.13    Safe Deposit Box Operations
5.14    Night Deposit Services
5.15    Merchant Bank Card Processing
5.16    Antitying
5.17    Right to Financial Privacy
5.18    Customer Identification Program
5.19    Electronic Funds Transfer Systems
5.20    Economic Sanctions Under OFAC
5.21    Basic Financial Services
5.22    Call (Phone) Center
5.23    Unclaimed Property
5.24    Prepaid Card Activities
5.25    Automated Clearing House
5.26    Remote Deposit Capture
5.27    Identity Theft Prevention Program
5.28    Vendor Management
5.29    Prohibition on Funding of Unlawful Internet Gambling
5.30    Do Not Call
5.31    Social Media
5.32    Customer Due Diligence
5.33    Section 311 Special Measures
5.34    Section 314a
5.35    Foreign Correspondent Banking
6.1      Information Security
6.2      Emergency and Disaster Recovery
6.3      Risk Assessment and Insurance
6.4      Internal and External Audit
6.5      Information Technology Management Steering Committee
6.6      Outsourcing Information Security
6.7      Strategic IT Planning
6.8      Computer Operations
6.9      Software, Programming, and Package Purchase
6.10    Ethics and Employee Conduct for IT Personnel
6.11    Wholesale and Retail Payment Systems
6.12    Information Technology Management
6.13      IT Regulatory Compliance Risk Management
6.14    Electronic Imaging
6.15    Service Requests
6.16      Item Processing
6.17    Management Information Systems
6.18    E-Banking
6.19    E-Banking Information Authentication
6.20    E-mail Systems
6.21    Employee Internet Access
6.22    Online Privacy
6.23    Computer/Network Management
6.24    Cybersecurity Program (New York State)
6.25    Data and Records Destruction
6.26    Computer End-User Security Acquisition
6.27    Operational Controls Review
6.28    Incident Response
6.29    Wireless Banking
7.01    Conflict of Interest/Code of Ethics
7.02    Capital Planning
7.03    Dividend Planning
7.04    Audit
7.05    Regulatory Compliance
7.06    Strategic Planning for Bank Holding Company
7.07    Board Supervision
7.08    Affiliate Transactions
7.09    Management Succession
7.10    Risk Management
7.11    Marketing and Advertising
7.12    Training
7.13    New Products/Services
7.14    Compensation
7.15    Charitable Contributions
7.16    Management Supervision
7.17    Internal Controls
7.18    Insider Activities
7.19    Human Resources
7.20    Standards for Safety and Soundness
7.21    Branching
7.22    Complaint
7.23    Risk Control
7.24    Credit Risk
7.25    Loan Review
7.26    Loans to Insiders
7.27    Other Real Estate Owned
7.28    Community Reinvestment Act — Large Institutions Policy Checklist
7.29    Allowance for Loan and Lease Losses
7.30    Credit Cards
7.31    Fair Lending
7.32    Fair Credit Reporting Act
7.33    Asset Management
7.34    Real Estate Appraisals and Evaluations
7.35    Community Reinvestment Act—Small Institutions
7.36    Problem Loans
7.37    Direct Leasing
7.38    Asset Securitization
7.39    Credit Scoring
7.40    Trade Financing
7.41    Subprime Lending
7.42    Bankers Acceptances
7.43    Accounts Receivable and Inventory Financing
7.44    Mortgage Banking
7.45    Community Reinvestment Act—Intermediate Institutions
7.46    Investments
7.47    Funds Management (A/L Management)
7.48    Retail Nondeposit Investment Sales
7.49    Discount Brokerage
7.50    Profit Planning/Budgeting
7.51    Fixed Assets
7.52    Expense Payment
7.53    Securities Trading
7.54    Transfer Agent Activities
7.55    Securitization Activities
7.56    Brokered Funds
7.57    Outsourcing
7.58    Private Banking
7.59    Purchases of Life Insurance
7.60    Regulatory Reporting
7.61    Interest Rate Risk
7.62    Due from/Due to Correspondent Accounts
7.63    Purchase of Insurance
7.64    Accounts Payable
7.65    Foreign Exchange
7.66    Physical Security
7.67    Contingency Planning and Disaster Recovery
7.68    Bank Secrecy Act
7.69    Wire Transfer
7.70    Deposits
7.71    Purchasing
7.72    Personal Banking
7.73    Service Fees
7.74    Teller Operations
7.75    Interbank Liabilities
7.76    Safe Deposit Box Operations
7.77    Night Deposit Services
7.78    Computer End-User Security
7.79    Merchant Bank Card Processing
7.80    Antitying
7.81    Right to Financial Privacy
7.82    Bank Secrecy Act—Customer Identification Program
7.83    Electronic Funds Transfer Systems
7.84    Daylight Overdrafts
7.85    Economic Sanctions Under OFAC
7.86    Basic Financial Services
7.87    Call (Phone) Center
7.88    Data Management and Management Information Systems
7.89    Information Security
7.90    Expediting Funds Availability
7.91    Information Technology
7.92    Identity Theft
7.93    Identity Theft Prevention Program
7.94    Prepaid Cards
7.95    Automated Clearing House
7.96    Remote Deposit Capture
7.97    Information Technology Security
7.98    Information Technology Emergency and Disaster Recovery Plan
7.99    Information Technology Risk Assessment and Insurance
7.100  Information Technology Internal and External Audit
7.101  Information Technology Management Steering Committee
7.102  Information Technology Servicing Arrangements
7.103  Information Technology Short-and Long-Range Planning
7.104  Computer Operations
7.105  Software, Programming, and Package Purchase
7.106  Computer Acquisition
7.107  Accounting for Software Development Costs
7.108  Ethics and Employee Conduct for Information Technology Personnel
7.109  Networks Implementation
7.110  Electronic Fund Transfers
7.111  Information Technology Management
7.112  Small Bank Information Technology
7.113  Training and Education
7.114  Contracting with Vendors
7.115  Information Technology Compliance
7.116  Digital Imaging
7.117  Service Requests
7.118  Forms Design
7.119  Computer Controls
7.120  Transaction Processing
7.121  Management Information Systems
7.122  E-Banking
7.123  Email Systems
7.124  Record Retention and Recordkeeping
7.125  Expense Payments
7.126  Computer and Network Management
7.127  E-Banking Information Authentication
7.128  Data and Records Destruction
7.129  Computer End-User Security

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Table of contents

Chapter 1: The Policy Development Process and Board Participation

Chapter 2: Executive Group Sample Policies

Chapter 3: Lending Sample Policies

Chapter 4: Treasury/Finance Sample Policies

Chapter 5: Operations Sample Policies

Chapter 6: Information Technology Sample Policies

Chapter 7: Policy Implementation Information Worksheets