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Bank Procedures: A Working Guide to Regulatory Compliance

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Historic developments in the banking industry have focused on the need for clear, well-planned and implemented policies and procedures. Regulatory compliance costs financial institutions hundreds of millions of dollars every year. The risk management guidelines that the regulatory agencies have issued mandate policies and procedures for everything from credit risk, liquidity risk, and interest rate to legal and reputation risks. The quality of safe and sound banking practices are being scrutinized by the agencies.

We have concentrated on making Bank Procedures: A Working Guide to Regulatory Compliance a practical, how-to guide that will lead you through every step of the procedures development and review processes. Use the proven guidelines and sample materials and save hours of time, while ensuring that your bank has tested, effective procedures. Discussions, procedures and checklists are arranged in the following categories:

•  Executive Group
•  Lending
•  Treasury/Finance
•  Operations
•  Data Processing

Subscribers will receive a downloadable file containing editable forms.

Editable Documents

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
1.10    Guidelines for Policy and Procedure Writing
2.01    Conflict of Interest/Code of Ethics
2.02    Capital Planning
2.03    Dividend Planning
2.04    Strategic Planning
2.05    Board Supervision
2.06    Affiliate Transactions
2.07    Regulatory Compliance
2.08    Management Succession
2.09    Human Resources
2.10    New Products/Services
2.11    Marketing and Advertising
2.12    Americans with Disabilities Act
2.13    Audit
2.14    Compensation
2.15    Training
2.16    Charitable Contributions
2.17    Management Supervision
2.18    Internal Controls
2.19    Branching
2.20    Insider Activities
2.21    Risk Management
2.22    Standards for Safety and Soundness
2.23    Risk Control
2.24    Consumer Data Protection/Privacy
2.25    Financial Modeling
2.26    Litigation
2.27    Due Diligence — Acquisitions
2.28    Complying with the USA PATRIOT Act
2.29    Complaints
2.30    Social Media Program
2.31    Elder Abuse
2.32.2  International Banking
3.01    Credit Risk
3.02    Loan Review
3.03    Loans to Insiders
3.04    Real Estate Owned
3.05    Allowance for Loan and Lease Losses
3.06    Problem Loans
3.07    Fair Lending
3.08    Real Estate Appraisals and Evaluations
3.09    Community Reinvestment Act — Large Institutions
3.10.1  Community Reinvestment Act — Intermediate Small Institutions
3.11    Community Reinvestment Act — Small Institutions
3.12    Direct Leasing
3.13    Asset Securitization
3.14    Credit Cards
3.15    Credit Scoring System
3.16    Trade Financing
3.17    Subprime Lending
3.18    Accounts Receivable and Inventory Financing
3.19    Bankers' Acceptances
3.20    Fair Credit Reporting Act
3.21    Real Estate Appraisals and Evaluations
3.22    Collections
3.23    Stress Testing
3.24    Environmental Risk Management
3.25    Concentrations of Credit
3.26    Overdrafts
3.27    Loan Originator Compensation and Steering
3.28    SAFE Act Program
3.29    Commercial Real Estate (CRE)
3.30    Foreclosure
3.31    Mortgage Loan Originator Compensation
3.32    Consumer Lending
3.33    Mortgage Servicing
3.34    Leverage Finance
4.01    Investments
4.02    Funds Management (Asset/Liability Management)
4.03    Retail Nondeposit Investment Sales
4.04    Discount Brokerage
4.05    Profit Planning/Budgeting
4.06    Regulatory Reporting
4.07    Securities Trading
4.08    Fixed Assets
4.09    Brokered Funds
4.10    Transfer Agent Activities
4.11    Expense Payment
4.12    Interest Rate Risk
4.13    Securitization Activities
4.14    Outsourcing
4.15    Private Banking
4.16    Purchases of Life Insurance
4.17    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    Contingency Planning/Disaster Recovery
5.03    Bank Secrecy Act
5.04    Personal Computer End-User Security
5.05    Deposit
5.06    Expedited Funds Availability
5.07    Interbank Liabilities
5.08    Purchasing
5.09    Safe Deposit Box Operations
5.10    Night Deposit Services
5.11    Merchant Bank Card Processing
5.12    Antitying
5.13    Debit Card Product
5.14    Electronic Funds Transfer Systems
5.15    Daylight Overdrafts
5.16    Wire Transfer
5.17    Personal Banking
5.18    Teller Operations
5.19    Economic Sanctions Under OFAC
5.20    Basic Financial Services
5.21    Information Security
5.22    Call (Phone) Center
5.23    Records Retention and Recordkeeping
5.24    Unclaimed Property/Escheat
5.25    Customer Identification Program
5.26    Identity Theft
5.27    Data Management and Management Information Systems
5.28    Prepaid Cards
5.29    Automated Clearing House (ACH)
5.30    Remote Deposit Capture
5.31    Service Fees
5.32    Right to Financial Privacy
5.33    Data Processing
5.34    Identity Theft Prevention Program
5.35    Vendor Management
5.36    Prohibition on Funding Illegal Internet Gambling
5.37    Incident Response
5.38    Outsourcing Information Security
5.39    Mobile Banking
5.40    Do Not Call
5.41    Social Media
5.42    Password Security
5.43    Controls Review
6.01    Security
6.02    Risk Assessment and Insurance
6.03    Data Processing Management Steering Committee
6.04    Servicing Arrangements
6.05    Short- and Long-Range Planning
6.06    Accounting for Software Development Costs
6.07    Electronic Funds Systems
6.08    Data Processing Management 6.09    Electronic Imaging
6.10    Small Bank Data Processing
6.11    Training and Education
6.12    Contracting with Vendors
6.13    Forms Management
6.14    Software, Programming, and Package Purchase
6.15    Emergency and Disaster Recovery
6.16    Regulatory Compliance Risk Management
6.17    Forms Design
6.18    Microcomputer Controls
6.19    Service Requests
6.20    Internal and External EDP Audit
6.21    Management Information Systems
6.22    Transaction Processing
6.23    Local Area Networks
6.24    Ethics and Employee Conduct for DP Personnel
6.25    Computer Operations
6.26    Microcomputer
6.27    Electronic Banking
6.28    E-Mail Systems
6.29    Internet Access
6.30    Online Privacy
6.31    PC/LAN Management
6.32    Electronic Banking Information Authentication
6.33    Terrorism
6.34    Server Security
6.35    Data and Records Destruction
6.36    Personal Computer End-User Security
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
7.07    Branching
7.08    Human Resources
7.09    Board Supervision
7.10    Affiliate Transactions
7.11    Management Succession
7.12    Americans with Disabilities Act
7.13    Charitable Contributions
7.14    Management Supervision
7.15    Marketing and Advertising
7.16    Training
7.17    New Products/Services
7.18    Compensation
7.19    Insider Activities
7.20    Risk Management
7.21    Internal Controls
7.22    Standards for Safety and Soundness
7.23    Risk Control
7.24    Financial Modeling
7.25    Litigation
7.26    Consumer Data Protection and Privacy
7.27    Due Diligence — Acquisitions
7.28    Complaints
7.29    Elder Abuse
7.29A  Social Media
7.29B  USA PATRIOT Act
7.30    Loans to Insiders
7.31    Other Real Estate Owned
7.32    Allowance for Loan and Lease Losses
7.33    Fair Lending
7.34    Credit Risk
7.35    Loan Review
7.36    Problem Loans
7.37    Community Reinvestment Act — Small Institutions
7.38    Community Reinvestment Act — Intermediate Small Institutions
7.39    Community Reinvestment Act — Large Institutions
7.40    Asset Securitization
7.41    Credit Cards
7.42    Real Estate Appraisals and Evaluations
7.43    Direct Leasing
7.44    Trade Financing
7.45    Subprime Lending
7.46    Accounts Receivable and Inventory Financing
7.47    Mortgage Banking
7.48    Asset Management
7.49    Stress Testing
7.50    Concentrations of Credit
7.51    Overdrafts
7.52    Credit Scoring
7.53    Foreclosures
7.53A  Collections
7.53B  Mortgage Loan Originator Compensation
7.53C  Fair Credit Reporting Act (FCRA)
7.53D  Commercial Real Estate
7.53E  Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)
7.53F  Secure and Consumer Lending—Loan Portfolio Management
7.54    Contingency Planning/Disaster Recovery
7.55    Bank Secrecy Act
7.56    Deposits
7.57    Expedited Funds Availability
7.58    Interbank Liabilities
7.59    Purchasing
7.60    Night Deposits Services
7.61    Merchant Bank Card Processing
7.62    Antitying
7.63    Daylight Overdrafts
7.65    Personal Banking
7.66    Teller Operations
7.67    Right to Financial Privacy
7.68    Records Retention and Recordkeeping
7.69    Internal Controls
7.70    Expense Payment
7.71    Information Security
7.72    Customer Data Protection/Privacy
7.73    Unclaimed Property/Escheat
7.74    Data Processing
7.75    Debit Card Product
7.76    Economic Sanctions Under OFAC
7.77    Basic Financial Services
7.78    Bank Secrecy Act/CIP Sub-Procedures
7.79    Prepaid Cards
7.80    Consigned Items
7.81    Identity Theft
7.82    Electronic Funds Transfer Systems
7.83    Data Management and Management Information Systems
7.84    Automated Clearing House (ACH)
7.85    Interest Rate Risk
7.86    Accounting
7.87    Fixed Assets
7.88    Outsourcing Information Security
7.89    Vendor Management Procedures
7.90    Prohibition on Funding Illegal Internet Gambling
7.91    Incident Response
7.91A  Mobile Banking
7.91B  Remote Deposit Capture
7.91C  Call Center
7.92    Data Processing Security
7.93    Risk Assessment and Insurance
7.94    Data Processing Management Steering Committee
7.95    Servicing Arrangements
7.96    Electronic Fund Transfer Systems
7.97    Forms Management
7.98    Software and Hardware Selection
7.99    Emergency and Disaster Recovery
7.100  Electronic Imaging
7.101  Management Information Systems
7.102  Computer Operations
7.103  Internet Access
7.104  Transaction Processing
7.105  Accounting for Software Development Costs
7.106  Ethics and Employee Conduct for DP Personnel
7.107  Local Area Networks
7.108  Data Processing Management
7.109  PC/LAN Management
7.110  Internal and External Audit
7.111  Short- and Long-Range Planning
7.113  Training and Education
7.114  Microcomputers
7.115  Online Privacy
7.116  Electronic Banking Information Authentication
7.117  Data and Records Destruction
7.118  Personal Computer End-User Security
7.119  Forms Design
7.120  Transaction Processing
7.121  Service Request
7.122  Server Security
7.123  E-Mail Systems
7.124  Internet Access
7.125  Electronic Banking
7.126  Vendor Management
7.127  Compliance
7.128  Terrorism
7.129  Microcomputers
7.130  Expense Payment
7.131  Profit Planning/Budgeting
7.132  Funds Management
7.133  Investments
7.134  Brokered Funds
7.135  Retail Nondeposit Investment Sales
7.136  Discount Brokerage
7.137  Regulatory Reporting
7.138  Outsourcing
7.139  Private Banking
7.140  Purchases of Life Insurance
7.141  Securitization Activities
7.142  Due from/Due to Correspondent Accounts
7.143  Purchase of Insurance
7.144  Foreign Exchange
7.145  Accounts Payable
7.146  Transfer Agent
7.147  Securities Trading
7.148  Accounting

Authors / Contributors

Table of Contents

Chapter 1: The Procedures Development Process

Chapter 2: Executive Group Procedures

Chapter 3: Lending Procedures

Chapter 4: Treasury/Finance Procedures

Chapter 5: Operations Procedures

Chapter 6: Data Processing Procedures

Chapter 7: Procedures Checklists

Part A - Executive

Part B - Lending

Part C - Operations

Part D - Data Processing

Part E - Treasury/Finance

Appendix A: The Office of Foreign Assets Control (OFAC)