Dr. Gina J. Lowdermilk
President and CEO, Platinum Endeavors LLC
Dr. Gina J. Lowdermilk, PhD (ABD), CAMS, CRMS is a qualified BSA/AML and Financial Regulatory Compliance professional with extensive policy and procedure development and implementation, training, internal audit, monitoring, risk management, and reporting experience. Her emphasis has been on working with financial institutions that are experiencing regulatory concerns and resolutions, including enforcement actions such as memorandums of understanding and cease and desist orders. Her 15 years of experience has given her the opportunity to work with small community banks to large international financial institutions. Her roles not only included BSA/AML and Compliance, but also operations, lending services, business development, marketing, management, department development, and asset quality.

Ms. Lowdermilk has worked with all of the financial regulators and examiners. She possesses advanced Microsoft Excel, PowerPoint, Word, Internet Explorer, Visio, and Access skills. She also has experience with FiServ, BAM, CRA Wiz, TeamMate, COGNOS, and Metavante banking software. Gina has been responsible for creating both recurring and ad hoc executive management and board presentations. In addition to her above experience, she is also an adjunct instructor for the business and construction management programs at a local college, as well as writes numerous BSA/AML and Compliance articles, training materials, and manuals as per clients’ requests.

Upcoming Webinar
Learn the Do's and Don'ts of Opening Business Bank Accounts
Whether you are dealing with a sole proprietorship or a corporation, financial institutions need to learn how to open and properly document a business bank account regardless if it is a corporation, or if it's a sole proprietorship. Financial institutions are responsible for executing their customer identification procedures for such accounts, including obtaining information regarding signing privileges and obtaining the appropriate documentation for these customers.
Live Session Tuesday, 30 April 2019, 10:00 AM PDT | 01:00 PM EDT, Duration: 60 Minutes

Recorded Webinar
Legal Liabilities when Check Fraud Occurs
Proper handling of check fraud occurrences is important for an institution. Institutions need to understand that such incidents go beyond the check fraud itself. Legal liabilities exist that are specific to consequences of check fraud. This webinar will provide guidance and insight for financial institutions in understanding the legal liabilities that result when check fraud occurs. All of the above insights will assist a financial institution in its risk mitigation and risk reducing efforts.
Recorded Session Get life time access for one participant with download option!

BSA/AML Compliance Checklists
This training on the Bank Secrecy Act will highlight the development and implementation of BSA/AML Compliance Checklists. Attendees will learn the best practices to avoid BSA violations also the instructor will discuss the checklists and how they can enhance a BSA/AML program.
Recorded Session Get life time access for one participant with download option!

Metro 2, E-OSCAR and New Tougher FCRA/CFPB Compliance
Understand your potential legal risk and compliance obligations with respect to consumer credit reporting. Many financial institutions which furnish consumer credit information on a periodic basis to Credit Reporting Agencies (CRAs) experience challenges in furnishing data in the Metro 2® format. Most credit reporting disputes are handled through the E-OSCAR/ACDV system, which has had recent updates that affect data furnishers' legal obligations in regard to these disputes. This is an active area of litigation and regulatory scrutiny that is consistently being reviewed by examiners and regulators.
Recorded Session Get life time access for one participant with download option!

Establishing Transaction Limits for BSA/AML Monitoring
This webinar will highlight BSA audit best practices that are being acknowledged and recognized by regulators and examiners with regard to an institution establishing appropriate transaction limits for their monitoring program.
Recorded Session Get life time access for one participant with download option!

BSA and Privately Owned ATMs' Risk
This course will provide information to help individuals determine if the risk associated with Privately Owned ATMs is properly evaluated and considered.
Recorded Session Get life time access for one participant with download option!

Handling BSA/AML Requirements when doing Business with Marijuana Customers
Attend this webinar to obtain guidance on doing business with marijuana customers.
Recorded Session Get life time access for one participant with download option!

Managing E-SIGN, E-Statements & E-Disclosures: Minimizing E-Banking Risks and Maximizing E-SIGN Compliance
This training session will give attendees information and guidance to develop and implement a compliant e-statement program.
Recorded Session Get life time access for one participant with download option!

Legal Liabilities when Check Fraud Occurs
Proper handling of check fraud occurrences is important for an institution. Institutions need to understand that such incidents go beyond the check fraud itself. Legal liabilities exist that are specific to consequences of check fraud. This webinar will provide guidance and insight for financial institutions in understanding the legal liabilities that result when check fraud occurs. All of the above insights will assist a financial institution in its risk mitigation and risk reducing efforts.
Recorded Session Get life time access for one participant with download option!

Business Account Signature Cards and Resolutions: Entities, Authority and Documentation
Very often the simplest error or typo on an account signature card can create legal ownership, insurance and access issues for your accountholder. If you add notes to the cards or add signers after the fact, you may create liability for your financial institution. When you open accounts, you are tempted to accommodate the account holder's wishes in ways that may lead to liability for your financial institution. The practical tips and best practices you will learn in this webinar may save your financial institution thousands of dollars. These 11 fundamental rules will keep your officers and your account representatives from creating liability and future losses on the deposit side of your organization.
Recorded Session Get life time access for one participant with download option!

Bank Secrecy Act and Audit Best Practices
Financial institutions are required to be compliant with BSA rules and regulations. Such compliance needs to be well documented and consistent to ensure financial institutions avoid BSA violations and implications. Financial institutions' BSA Programs must have adequate policies and procedures, comprehensive risk assessments, monitoring programs, training programs, qualified employees overseeing the BSA daily operations and independent testing programs. An effective BSA audit program will ensure that all these components are not only implemented but are appropriate, adequate and thorough to meet the BSA rules and regulations and the needs of the financial institution. Having a strong BSA audit program will ensure that financial institutions are proactive in preventing BSA violations occurring and implementing corrective action for BSA issues or implications that may be identified in the BSA program.
Recorded Session Get life time access for one participant with download option!

Managing E-SIGN, E-Statements & E-Disclosures: Minimizing E-Banking Risks and Maximizing E-SIGN Compliance
This training session will give attendees with the information and guidance to develop and implement a compliant e-statement program.
Recorded Session Get life time access for one participant with download option!

Metro 2, E-OSCAR and New Tougher FCRA/CFPB Compliance
Understand your potential legal risk and compliance obligations with respect to consumer credit reporting. Many financial institutions which furnish consumer credit information on a periodic basis to Credit Reporting Agencies (CRAs) experience challenges in furnishing data in the Metro 2® format. Most credit reporting disputes are handled through the E-OSCAR/ACDV system, which has had recent updates that affect data furnishers' legal obligations in regard to these disputes. This is an active area of litigation and regulatory scrutiny that is consistently being reviewed by examiners and regulators.
Recorded Session Get life time access for one participant with download option!

Legal Liabilities when Check Fraud Occurs
Proper handling of check fraud occurrences is important for an institution. Institutions need to understand that such incidents go beyond the check fraud itself. Legal liabilities exist that are specific to consequences of check fraud. This webinar will provide guidance and insight for financial institutions in understanding the legal liabilities that result when check fraud occurs. All of the above insights will assist a financial institution in its risk mitigation and risk reducing efforts.
Recorded Session Get life time access for one participant with download option!

Electronic Business Records: 7-Step Strategy for Effective and Compliant Record Management
This webinar will discuss the best practices which will help ensure effective and compliant management of electronic business records. It will also discuss what the law and regulators require for FDIC, record retention, evidence and other pertinent information.
Recorded Session Get life time access for one participant with download option!

Reporting Your Credit Data - E-Oscar, METRO2, FCRA/FACTA and CFPB Compliance
Whether you report to one or all four of the National Credit Reporting Agencies (NCRA), you are required to comply with the Fair Credit Reporting Act (FCRA) and the Fair & Accurate Credit Transaction Act (FACTA) amendment as well as the new tougher Consumer Financial Protection Bureau (CFPB) standards. It's not what you know that will hurt you-it's re-polluting the consumer's file along with some key points that can cost your Financial Institution plenty!
Recorded Session Get life time access for one participant with download option!

Business Deposit Account Documentation and Requirements
Business account signature cards and resolutions often time are approached with some confusion over distinguishing between types of entities, authorities on the account and required documentation that a financial institution is required to obtain during the account opening process. This session will provide a legal and compliance perspective of a financial institutions responsibilities in gathering such documents during the account opening process.
Recorded Session Get life time access for one participant with download option!

Dos and Don'ts of Opening Business Accounts
Whether you are dealing with a sole proprietorship or a corporation, financial institutions need to learn how to open and properly document a business bank account regardless if it is a corporation, or if it's a sole proprietorship. Financial institutions are responsible for executing their customer identification procedures for such accounts, including obtaining information regarding signing privileges and obtaining the appropriate documentation for these customers.
Recorded Session Get life time access for one participant with download option!

Legal Liabilities when Check Fraud Occurs
Proper handling of check fraud occurrences is important for an institution. Institutions need to understand that such incidents go beyond the check fraud itself. Legal liabilities exist that are specific to consequences of check fraud. This webinar will provide guidance and insight for financial institutions in understanding the legal liabilities that result when check fraud occurs. All of the above insights will assist a financial institution in its risk mitigation and risk reducing efforts.
Recorded Session Get life time access for one participant with download option!

Reporting Your Credit Data, METRO2, E-OSCAR & New Tougher FCRA/CFPB Compliance
Most credit reporting disputes are handled through the e-OSCAR/ACDV system, which has had recent updates that affect data furnishers' legal obligations with regards to these disputes. This is an active area of litigation and regulatory scrutiny. This topic will help attendees better understand their potential legal risk and compliance obligations with respect to consumer credit reporting. Special problems relating to the Metro 2 credit reporting guidelines relating to bankruptcies, disputed accounts and identity theft also will be addressed.
Recorded Session Get life time access for one participant with download option!

Effectively Handling Check Returns and Adjustments
Proper handling of Check returns in a timely manner is outlined under the ECCHO Rules and the FRB Rules. This webinar will provide guidance and insight for financial institutions in understanding the difference between a return and an adjustment, a financial institution’s rights and responsibilities for these exception items, discuss the rights of the paying bank for the return of checks and how to make an adjustment claim against the depository bank when necessary. All of the above insights will assist a financial institution in its risk mitigation and risk reducing efforts.
Recorded Session Get life time access for one participant with download option!

Getting Ready for Proposed FFIEC Call Report Changes
The quarterly Call Report has grown from a small report to over eighty-pages of balance sheet and income statement detailed schedules and disclosure items. It is now a laborious, time-consuming task that requires countless hours of concentration. This webinar will explain the Call Report proposals and review the changes on the proposed drafts of the new Schedules.
Recorded Session Get life time access for one participant with download option!

Business Account Signature Cards and Resolutions: Entities, Authority and Documentation
Very often the simplest error or typo on an account signature card can create legal ownership, insurance and access issues for your accountholder. If you add notes to the cards or add signers after the fact, you may create liability for your financial institution. When you open accounts, you are tempted to accommodate the account holder's wishes in ways that may lead to liability for your financial institution. The practical tips and best practices you will learn in this webinar may save your financial institution thousands of dollars. These 11 fundamental rules will keep your officers and your account representatives from creating liability and future losses on the deposit side of your organization.
Recorded Session Get life time access for one participant with download option!

CFPB Audits : Being Prepared and Staying Compliant to Save Time and Money
Preparing for and responding to one of the Consumer Financial Protection Bureau's (CFPB's) examinations can be a daunting task, particularly for institutions that are under prepared. This topic helps the persons responsible for preparing for the CFPB examination/audit understand how to prepare for the examination/audit. In addition, you will be provided with practical advice for responding to the CFPB. This topic will also identify recent trends in CFPB public enforcement and supervisory efforts, which may be indicative of future CFPB priorities during an examination/audit.
Recorded Session Get life time access for one participant with download option!

FFIEC BSA/AML Examination Manual Updates and Revisions
This course will provide information to individuals to help ensure they are prepared for the recent revisions in the BSA AML Examination Manual. The FFIEC implemented revisions to the BSA AML Examination manual to address the emerging risks, compliance requirements, and the increased need to mitigate risks associated with money laundering and terrorist financing. FinCEN and OFAC, in collaboration with all of the regulatory agencies and authorities enacted revisions to meet current concerns and issues.
Recorded Session Get life time access for one participant with download option!

Debit Cards and EMV: What Community Banks and Credit Unions Must Do By October 2015 to Prepare for the Liability Shift
In October 2015, there will be a significant shift in which entity is liable for card present transactions. As the industry watches the increased security breaches and the fraud losses of their debit card programs, there is concern and anxiety in getting the EMV technology in place with debit card processors and issuers before the October 1, 2015 deadline.
Recorded Session Get life time access for one participant with download option!

Handling BSA/AML Requirements when doing Business with Marijuana Customers
This webinar is intended to provide information and guidance to assist financial institution in building relationships while maintaining compliance. The ability to do so can assist in a financial institution’s growth and expansion.
Recorded Session Get life time access for one participant with download option!

Bank Secrecy Act and Audit Best Practices
This webinar will provide an overview of Audit Best Practices for performing BSA/AML Audits that support AML rules and regulations. BSA/AML continues to be a pertinent area for regulators and examiners, as the level of money laundering and terrorist activities are on the rise. Financial institutions have begun to respond by increasing their resources to ensure compliance with the BSA/AML federal regulations using enhanced audit practices. This webinar will review the required elements for auditing and performing BSA audits.
Recorded Session Get life time access for one participant with download option!

Anti-Money Laundering Audits for MSBs, Auditing Bank Secrecy Act
Introduction and overview of performing BSA/AML Audits for MSB customers that support AML rules and regulations. BSA/AML continues to be a pertinent area for regulators and examiners, as the level of money laundering and terrorist activities continue to increase.
Recorded Session Get life time access for one participant with download option!

BSA and Privately Owned ATMs' Risk
This course will provide information to help individuals determine if the risk associated with Privately Owned ATMs is properly evaluated and considered. Financial institutions are required to be compliant with BSA rules and regulations. Having a comprehensive and compliant BSA/AML program helps a financial institution to properly identify customers, who have privately owned ATMs and assess risk accordingly for them.
Recorded Session Get life time access for one participant with download option!

BSA Audit Best Practices
This course will provide information to help individuals determine if the BSA Audit functions are being performed adequately and effectively. Financial institutions are required to be compliant with BSA rules and regulations. Having a comprehensive and compliant BSA/AML program helps a financial institution to conduct periodic BSA and AML audits. These audits need to be detailed and thorough in order to sufficiently assess whether the financial institution is adhering to BSA/AML rules and regulations.
Recorded Session Get life time access for one participant with download option!

BSA and AML Risk Assessments - Performing them Correctly
This course will provide information to help individuals determine if the BSA/AML Risk Assessments are being conducted correctly. Financial institutions are required to be compliant with BSA rules and regulations. A comprehensive and compliant BSA/AML program helps a financial institution to conduct risk assessments in order to identify BSA/AML risks that could impact the financial institution and implement controls to mitigate these identified risks. Financial institutions need to ensure that they are conducting risk assessments appropriately in order to be effective and compliant with the BSA/AML laws and regulations.
Recorded Session Get life time access for one participant with download option!

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