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Establishes policy guidelines to reduce risk exposure and ensure compliance with NACHA Operating Rules and applicable federal regulations when originating or receiving ACH transactions. On the risk side, the policy covers management of originator credit risk, exposure risk, regulatory risk, third-party processor risk, Internet transaction risk, operational risk liquidity risk and disaster risk management. Operational area covered include responsibility/authority, originator transaction processing, customer risk coding, check-to-ACH conversion (CTAC), third-party processors, exposure monitoring, compliance, Internet transactions, daily RDFI operations, scope of ODFI services, daily ODFI operations, operational contingencies, and policy review.
| | Prod Num: 229 Price: $325.00  |
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| Establishes the parameters and structure covering agricultural lending, including interest rates, pricing of loans, lending limits, and credit criteria.
| | Prod Num: 076 Price: $225.00 |
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| Address the bank's responsibilities to monitor its portfolio for adequate ALLL, including methodology, portfolio analysis, and examination guidelines.
| | Prod Num: 077 Price: $175.00 |
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| Identifies risks inherent in the acquisition, retention, and use of BOLI. Covers specific types and limitations on BOLI, including key persons, cost recovery, split-dollar life insurance, and life insurance on borrowers.
| | Prod Num: 234 Price: $275.00 |
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| Provides the requirements of the regulatory agencies and covers all aspects of bank security, including designation of a security officer, security devices, maintenance, testing, training, and robbery procedures.
| | Prod Num: 214 Price: $225.00 |
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| Designed to assist the board in recognizing and carrying out its duties and responsibilities for overall direction of the bank. Includes planning and budgeting, monitoring operations, overseeing business performance, training, committees, and code of conduct.
| | Prod Num: 100 Price: $275.00 |
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| Sets forth the procedures required by the regulatory agencies to close a branch office, including profit analysis and availability of services.(Includes sample regulatory and customer notifications.)
| | Prod Num: 092 Price: $175.00 |
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| Defines the general types of expenses the bank will incur; establishes the budgeting and operational procedures needed to implement the policy; and provides policy guidelines for travel and entertainment.
| | Prod Num: 089 Price: $175.00 |
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| Provides a clear outline of the bank's goals and parameters for maintaining an adequate capital base, and states how the payment of dividends relates to those goals and parameters.
| | Prod Num: 102 Price: $225.00 |
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| Establishes the types of contributions the bank will grant and sets forth the budgeting and operational procedures needed to implement the policy.
| | Prod Num: 086 Price: $175.00 |
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| Guides compliance with the Bank Bribery Act. Sets forth the basic policies of ethical conduct, the foundation of basic business standards, and personal conduct.
| | Prod Num: 101 Price: $225.00 |
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| Establishes the bank's responsibilities to manage lending risks, including procedures for delinquent loans, collection, workouts, business continuation, placing loans on non-accrual status, repossession of collateral, and OREO.
Updated to include the Loan Workout requirements bank examiners will be looking for.
| | Prod Num: 078 Price: $325.00 |
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| Covers commercial/business loans, including credit types, interest rates, pricing, borrower information requirements, legal lending limits, credit criteria, collateral, documentation, credit structure, and financial statement requirements.
| | Prod Num: 079 Price: $225.00 |
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| An overall policy for demonstrating how your bank will comply with the banking compliance regulations. Provides information on compliance officer and compliance council responsibilities, monitoring and control, and compliance risk ratings. Includes a risk ratings flow chart.
| | Prod Num: 104 Price: $175.00 |
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| Establishes standards for individual credit decisions such as anti-discrimination, credit criteria, credit documentation, regulatory requirements, loan types, and exceptions.
| | Prod Num: 080 Price: $225.00 |
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| Designed to provide a risk management plan to avoid potential losses. Includes policy implementation, bank security, emergency procedures, back-up sites, loss prevention, liquidity, insurance policies, asset protection, and risk management training.
| | Prod Num: 072 Price: $175.00 |
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| Provides a basis for the bank to regulate its credit card lending practices and develop a comprehensive policy to guide this activity in the future. Covers credit line management, over-limit practices, negative amortization, workout and forbearance practices, settlements, income recognition and practices, and policy exceptions.
| | Prod Num: 216 Price: $175.00 |
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| Addresses the composition and control of the loan portfolio as a whole, and establishes standards for individual credit decisions.
| | Prod Num: 074 Price: $325.00 |
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| May be used as a freestanding policy or incorporated into your bank's broader-coverage marketing policy. Covers responsibilities for administering and overseeing the cross-selling program, participation and involvement, access and use of customer data for prospecting, compensation and incentives, elements for effective training and coaching, and quality assurance.
| | Prod Num: 203 Price: $325.00 |
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| Sets forth the bank’s systems and policies regarding the destruction of customer and consumer information. Defines various bank records and outlines steps to destroy information contained in them. Includes information to review a third-party service.
| | Prod Num: 232 Price: $125.00 |
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| Provides banks with guidance on complying with FTC and FCC regulations dealing with telemarketing practices. Covers federal Do Not Call Registry, internal lists, customers and non-customers, training, and retention periods. Includes a template for a Do Not Call Policy that you can give to individuals when they request a copy.
| | Prod Num: 240 Price: $175.00 |
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| Addresses responsibility, defining dormant/inactive accounts, processing, reporting, and service charges and interest payments.
| | Prod Num: 185 Price: $175.00 |
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| Establishes detailed policy guidelines for use of electronic banking, including security of customer information, third-party vendors, security controls, passwords, authentication, and strategic risk.
| | Prod Num: 182 Price: $375.00 |
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| Outlines the basic standards required to meet all areas of the bank's data processing operations. Provides structure and guidance to management, establishes controls, and addresses outside vendors, program security, and documentation.
| | Prod Num: 094 Price: $175.00 |
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| Sets the basic plan for emergency preparedness including employee training and protection, succession, alternative headquarters, back-up facilities, back-up systems, and testing.
| | Prod Num: 151 Price: $275.00 |
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| Uses the principles established by CERCLA to set internal procedures for recognition of potential risks and liabilities, operations, and loan documentation.
| | Prod Num: 081 Price: $275.00 |
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| Defines the relationship between the board and executive management and between executive management and the bank's other personnel. Covers hiring practices, management succession, promotions, and salary administration.
| | Prod Num: 087 Price: $175.00 |
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| Describes the responsibilities and processes utilized in the management of the bank’s building, fixtures, furniture, and equipment.
| | Prod Num: 222 Price: $175.00 |
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| Designed to ensure that the bank is managed to provide adequate liquidity and a satisfactory and consistent level of profit within suitable interest rate risk constraints.
| | Prod Num: 097 Price: $275.00 |
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| Sets forth the underlying philosophy and structure for all relationships and transactions between the bank and the holding company.
| | Prod Num: 225 Price: $175.00 |
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| Provides management with a clear understanding of what the bank expects from its employees and, in turn, what employees can expect from the bank. Covers equal employment opportunity, employee classifications, employee compensation, hiring practices, vacations, sick leave, family and medical leave, education, termination, and sexual harassment. Includes new employee orientation and training.
| | Prod Num: 184 Price: $375.00 |
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| This policy and the sub-policies it contains are designed to provide guidance to all bank employees of the confidentiality and importance of safely maintaining customer information.
| | Prod Num: 252 Price: $425.00 |
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| For compliance with insider lending. Designed to address the particular credit and legal standards that apply to insiders, including lending limitations for individuals and affiliates.
| | Prod Num: 075 Price: $175.00 |
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| Covers the bank's objectives regarding insurance and annuities sales, responsibilities, program management, setting circumstances of sales, qualifications and licensing, disclosures and advertising, salaries and compensation, third-party arrangements, compliance and audit, and the prohibitions of insurance sales.
| | Prod Num: 201 Price: $375.00 |
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| Effective September 30, 2012, all credit unions over $50 million and most credit unions over $10 million will be required to adopt a written Interest Rate Risk Policy, as well as a program to implement this policy.
According to the NCUA, the IRR policy is central to safe and sound credit union operations and should identify, measure, monitor, and control interest rate risk (IRR) and convey the credit union's own practices, metrics, and benchmarks appropriate to its operations.
Major Topics Covered:
- Risk measurement methodologies
- Interest rate risk scenarios - rate shocks, risk components
- Risk parameters
- Risk measurement system
- System maintenance - inputs and assumptions, system capabilities
- Assumption sensitivity analysis
- Risk management strategies
- Assignment of responsibilities
- Reporting
- Independent review and back-testing
| | Prod Num: 292 Price: $275.00 |
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| Establishes the guidelines to ensure that the bank is managed to recognize, measure, and control interest rate risk by setting risk limits, strategies, and reporting formats.
Updated to reflect the current expectations of the regulators as outlined in FIL-2-2012 Supervisory Guidance: Interest Rate Risk Management.
Major topics covered in the policy:
- Risk measurement methodologies
- Interest rate risk scenarios - rate shocks, risk components
- Risk parameters
- System maintenance - inputs and assumptions, system capabilities
- Assumption sensitivity analysis
- Risk management strategies
- Assignment of responsibilities
- Reporting
- Independent review and back-testing
| | Prod Num: 095 Price: $275.00 |
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| Designed to assist board members with their audit responsibilities. Includes audit function structure and committee meetings, technical duties, compliance, filing audit reports, roles and responsibilities of the auditor, the audit program, program effectiveness, external audit firms, and review of external audit.
| | Prod Num: 085 Price: $225.00 |
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| Establishes a set of policies for use of the Internet and e-mail facilities. Includes guidelines for customers’ privacy, procedures in the case of disruptions of bank operations, bank computers, terminals, software, and their electronic connections.
| | Prod Num: 183 Price: $275.00 |
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| Covers the delegation of investment authority and accountability, the definition of acceptable types of investments, and how to maximize the bank's profitability while meeting the local communities’ credit/financing needs.
| | Prod Num: 098 Price: $275.00 |
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| Designed to ensure that the bank is managed to provide an adequate level of liquidity to meet both predicted and unexpected cash needs while maintaining a planned net interest margin.
| | Prod Num: 096 Price: $175.00 |
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| Defines the risks associated with real or threatened litigation. Covers legal counsel's role and responsibilities, risk management, assessment of potential losses, and system controls.
| | Prod Num: 211 Price: $225.00 |
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| Covers loan review committee duties and loan review officer responsibilities and qualifications, as well as scope of review, sample selection, and types of review. Highlights a rating system that includes eight grades, upgrading and downgrading information, and portfolio monitoring with three tiers. Also includes a special concern classification, loan watch list, and corrective action reporting and training.
| | Prod Num: 082 Price: $325.00 |
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| Addresses the risk that economic, social, and political conditions in a foreign country may adversely affect a bank's financial interests. Covers responsibility, policies and procedures, country exposure reporting system, risk analysis, country risk ratings, exposure limits, and monitoring provisions.
| | Prod Num: 212 Price: $225.00 |
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| Provides guidelines for the management of the bank's marketing function, including development of the annual marketing plan and ongoing decision making. Includes regulatory compliance, geographic limitations, and prohibited activities.
| | Prod Num: 090 Price: $175.00 |
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| Guides the bank in managing its relationship with Visa/MasterCard merchants. Topics include management of risk, capital adequacy, merchant approval processes, pricing, and fraud monitoring.
| | Prod Num: 233 Price: $225.00 |
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| Establishes methodology to mitigate potential risks arising from the bank's reliance on financial models and to ensure that the sources and the magnitude of the bank's model risk are understood and managed effectively.
| | Prod Num: 295 Price: $175.00 |
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| A new policy that guides a bank through the best practices in setting up an Overdraft Protection program.
| | Prod Num: 239 Price: $175.00 |
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| Designed to address the risk associated with overdrafts, including the responsibility to communicate the policy to customers, payment or return of items, collection, charge-off and account closings, error resolution, and reporting.
| | Prod Num: 084 Price: $175.00 |
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| This may be used as a stand alone policy or incorporated into your Business Continuity Policy. Contains guidance from The Interagency Statement on Pandemic Planning. Includes sample Pandemic Plan.
| | Prod Num: 253 Price: $175.00 |
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| Identifies the responsible parties and outlines the process for developing and implementing the strategic plan and the budget.
| | Prod Num: 088 Price: $225.00 |
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| Reflects information contained in the FDIC’s Financial Institution Letter 46-2005 on Pre-Employment Background Screening. Covers the purpose and scope of the policy, responsibility, service providers, minimum screen requirements, additional screening procedures, and policy review. Note: This policy is included in our Human Resources policy (#184).
| | Prod Num: 237 Price: $125.00 |
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| Here's How Our Policy Systems Work
Young & Associates has developed the Profitable Bank Policy System to provide you with the major policies your bank might need. Our policy system is comprehensive, updated regularly, and provides guidance with every change to ease the policy revision process within your bank.
The Profitable Bank Policy System includes:
- A comprehensive manual providing the framework for developing policies. Each policy has specific instructions on the areas that must be customized for your bank. The instructions are number-coded to correspond to the material on computer disk.
- All policies in hard copy and on computer disk. Using any IBM-compatible word processor, and following the instructions provided, you can customize the policies for your bank. There is no retyping and no new software program to learn.
Buy the Policy System and Save!
Young & Associates policy systems are designed to give your bank the policies you need at a substantial savings. By purchasing this policy system, your bank can save over 50% on up-to-date, well-written policies for your bank!
The following policies are included:
Foundation Policies
- Credit
- Regulation O: Insider and Affiliate Credit
- Funds Management
- Investment
- Compliance Management
- Board of Directors
- Code of Conduct and Ethics Program
- Capital, Earnings, and Dividend
- Regulation F: Correspondent Banking
- Electronic Data Processing
- Risk Management
- Holding Company
Lending Policies
- Agricultural Lending
- Allowance for Loan and Lease Loss and Reserve
- Collection, Workout, Charge-Off, and Recovery
- Commercial Lending
- Consumer Lending
- Environmental Risk and Liability
- Loan Review
- Real Estate Lending
- Overdrafts
- Subprime Lending
- Credit Card Lending
- Merchant Services
- Home Equity Lending
- Quality Control
Management Policies
- Internal and External Audit
- Contingency Planning
- Charitable Contributions
- Executive Officer
- Planning and Budgeting
- Business and Travel Expense
- Marketing
- Human Resources
- Branch Closing
- Sale of Nondeposit Investments
- Wire Transfer
- Bank Security
- Interest Rate Risk
- Liquidity Management
- Technology Risk Management
- Emergency Preparedness and Disaster Recovery
- Regulation P: Consumer Privacy
- Safeguarding Customer Information
- Safe Deposit Box
- Electronic Banking Risk Management
- Internet and E-Mail Risk Management
- Management of Country Risk
- Litigation Risk
- Vendor Risk Management
- Cross-Selling of Products and Services
- Fixed Asset
- Automated Clearing House (ACH)
- Identity Theft Prevention
- Bank Owned Life Insurance (BOLI)
- Overdraft Protection
- Do Not Call
- Internal Controls
- Remote Deposit Capture
- Information Security Program
- Social Media
| | Prod Num: 067 Price: $4650.00 |
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| To help you keep your policies current, the Profitable Bank Policy System has an optional updating service. With an annual subscription, you receive "policy updates" to policies in the system.
As changes to industry standards affect existing policies, and/or as new policies are developed, you will have peace of mind knowing that your policies are current.
| | Prod Num: 068 Price: $495.00 |
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| Covers nondiscrimination, loan applications, portfolio diversification, credit criteria, documentation, appraisals and evaluations, appraisal review, credit decisions, loan disclosures, insurance, secondary market, and exceptions to policy. Includes full appraisal policy.
| | Prod Num: 083 Price: $325.00 |
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| Designed to limit the risks that the failure of another depository institution poses to the bank. Provides the board with a methodology for establishing criteria to select a correspondent bank and outlines procedures for identifying, monitoring, and managing correspondent relationships and correspondent concentration risks. Updated to guide compliance with the Interagency Guidance on Correspondent Concentration Risks (FIL-18-2010) and Regulation F: Limitations on Interbank Liabilities. Includes a Concentration Risk Worksheet in Microsoft® Excel to calculate and monitor credit and funding exposures for correspondents on a stand-alone and organization-wide basis.
| | Prod Num: 103 Price: $295.00 |
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| Here's How Our Policy Systems Work
Young & Associates has developed the Regulatory Compliance Policy System to provide you with the major policies your bank might need. Our policy system is comprehensive, updated regularly, and provides guidance with every change to ease the policy revision process within your bank.
The Regulatory Compliance Policy System includes: - A comprehensive manual providing the framework for developing policies. Each policy has specific instructions on the areas that must be customized for your bank. The instructions are number-coded to correspond to the material on computer disk.
- All policies in hard copy and on computer disk. Using any IBM-compatible word processor, and following the instructions provided, you can customize the policies for your bank. There is no retyping and no new software program to learn.
Buy the Policy System and Save! Young & Associates policy systems are designed to give your bank the policies you need at a substantial savings. By purchasing this policy system, your bank can save nearly 50% on up-to-date, well-written policies for your bank! The following policies are included:
Management Policies
- Compliance Management
- Code of Conduct and Ethics Program
- Insider and Affiliate Credit
- Insurance and Annuity Sales
Deposit Policies
- Regulation D: Definitions and Reserve Requirements Policy
- Regulation DD: Deposit Account Terms, Disclosures, and Advertising
- Regulation CC: Expedited Funds Availability Act (Includes Check 21)
- Regulation E: Electronic Fund Transfer Act
- Bank Secrecy and Anti-Money Laundering (Includes Customer Identification Program)
- Money Services Businesses
Operations Policies
- Bank Security
- Regulation F: Correspondent Banking
- Financial Privacy
- Suspicious Activity Reporting
- Regulation P: Consumer Privacy
- Safeguarding Customer Information
- Dormant Accounts
- Disposal of Consumer and Customer Information
- Identity Theft Prevention
- Regulation GG: Unlawful Internet Gambling
General Lending Policies
- Regulation Z: Loan Terms, Disclosures, and Advertising
- Fair Credit Reporting Act
- Regulation AA: Unfair and Deceptive Credit Practices
- Fair Debt Collection Practices
- Servicemembers Civil Relief Act
- John Warner National Defense Authorization Act
Fair Lending Policies
- Regulation B: Equal Credit Opportunity
- Regulation C: Home Mortgage Disclosure Act Reporting
- Regulation BB:Community Reinvestment
- Fair Housing Requirements
- Fair Lending
Real Estate Lending Policies
- Real Estate Settlement Procedures
- Flood Insurance
- Environmental Risk
- Appraisals and Evaluations
- SAFE Act
| | Prod Num: 069 Price: $3725.00 |
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| To help you keep your policies current, the Regulatory Compliance Policy System has an optional updating service. With an annual subscription, you receive "policy updates" to policies in the system.
As changes to regulations or industry standards affect existing policies, and/or as new policies are developed, you will have peace of mind knowing that your policies are current.
| | Prod Num: 070 Price: $495.00 |
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| Identifies and explains the inherent risks associated with RDC, establishes a sound risk management program and outlines internal controls and written procedures for managing the on-going risk.
| | Prod Num: 248 Price: $225.00 |
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| Provides the overall framework for the supervision, management, operation, and control of the bank’s risk management program. Includes duties and responsibilities of the risk management committee and risk management officer.
| | Prod Num: 228 Price: $175.00 |
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| Will ensure that the bank operates in a manner that complies with all applicable laws and provides absolute safety and privacy to customers with safe deposit boxes. Covers objectives, definitions and scope, responsibility, CIP, rental contracts, state law issues, customer and master keys, access, employee access, delinquency and termination, fees/charges, record keeping, insurance, audit, and policy review.
| | Prod Num: 162 Price: $275.00 |
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| Pertains to the protection of customer information from unauthorized or illegal disclosure. Covers the development and implementation of an information security program, including responsibility, assessment of risk, management and control of risk, employee education and training, testing, monitoring, oversight of service provider arrangements, updating/adjusting the program, and reporting to the board.
| | Prod Num: 202 Price: $275.00 |
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| Applies to all retail sales of nondeposit products, including marketing and promotional activities. Covers objectives, scope, responsibility, minimum standards, program management, setting and circumstances of sales, disclosures and advertising, suitability, qualifications and training, compensation, fiduciary accounts, third-party arrangements, compliance and audit, exceptions to policy, and policy review.
| | Prod Num: 230 Price: $175.00 |
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| Provides guidance on how social media will be approached, proper methods for promoting the bank’s message and image, and consequences of not following guidelines. Includes Management and User Guidelines for Social Media.
| | Prod Num: 289 Price: $245.00 |
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| Toolkit includes:
- Social Media Policy with Guidelines
- Social Media Risk Assessment & Audit Checklist
- Customizable Powerpoint Training for Managers and Users of Social Media
Provides guidance on how social media will be approached, proper methods for promoting the bank’s message and image, and consequences of not following guidelines. Includes Management and User Guidelines for Social Media. | | Prod Num: 290 Price: $445.00 |
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| Covers responsibility and management structure; security concerns related to physical systems, personnel, computers/databases, audit trails, and cyber threats; electronic banking; contingency planning; and potential exceptions.
| | Prod Num: 176 Price: $375.00 |
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| Provides guidance on managing the risks that may arise from outsourced relationships, including responsibilities, risk assessment, due diligence, contracts, security and confidentiality, controls, business resumption, and monitoring.
| | Prod Num: 213 Price: $275.00 |
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| Identifies the risks and establishes the policies dealing with wire transfers. Covers how to accurately process requests made in person, by phone, or other electronic means, with emphasis on regulatory requirements, money laundering, and settlement by giving best practice examples.
| | Prod Num: 159 Price: $125.00 |
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