A tailored course, built for your situation
Deeper command of retail banking compliance frameworks
Master the underlying standards shaping branch operations and regulatory alignment
$199 one-time
24-hour access provisioning
30-day money-back guarantee
Hand-built implementation playbook
12 modules. 12 chapters per module. 144 chapters total.
12 modules, each with 12 chapters (144 chapters total), text-based, plus downloadable templates and a hand-built implementation playbook delivered alongside course access.
The situation this course is for
Who this is for
Senior retail banking leader with direct accountability for compliance execution at the branch level
Who this is not for
Entry-level compliance officers or those outside retail banking operations
What you walk away with
- Interpret Regulation CC holds and returns with full citation-level precision
- Apply ECOA adverse action notice requirements without escalation
- Map daily branch activities to BSA/AML suspicious activity reporting thresholds
- Lead Fair Lending risk assessments using FFIEC guidelines as a working reference
- Document compliance decisions with audit-ready rationale and timing
The 12 modules (with all 144 chapters)
Module 1. Regulation CC: Holds, Returns, and Timelines
Break down Regulation CC’s deposit hold rules and return deadlines with case-level clarity. Learn how to apply the actual regulation text to common deposit scenarios and document decisions consistently.
12 chapters in this module
- Types of deposits and their hold periods
- Case: Non-local check over $5,525
- Case: First deposit into new account
- Electronic return deadlines
- Signature card alignment
- Next-day availability rules
- Expedited funds access
- Holiday-adjusted timelines
- Documentation of hold notices
- Customer inquiries response protocol
- Internal audit checklist
- Escalation path for exceptions
Module 2. ECOA and Adverse Action Notices
Master the requirements for issuing adverse action notices under ECOA. Identify when a notice is required, what must be included, and how to deliver it within compliance windows.
12 chapters in this module
- Definition of adverse action
- Credit score use disclosure
- Timing: 30-day rule
- Oral vs written notice
- Mail vs electronic delivery
- Adverse action for small business lending
- Incomplete application handling
- Notice to co-applicants
- Model form variations
- Record retention period
- Common triggers for failure
- QA checklist for issuance
Module 3. BSA/AML: Customer Risk Profiling
Build a structured method for assigning customer risk ratings in line with BSA/AML expectations. Use transaction patterns, account types, and geography to justify tiered monitoring levels.
12 chapters in this module
- Low vs medium vs high risk criteria
- Cash-intensive business indicators
- Cross-border transaction flags
- Account opening due diligence
- Beneficial ownership verification
- PEP screening alignment
- Customer ID program (CIP) depth
- Ongoing monitoring triggers
- Risk rating documentation
- Review cycle frequency
- Updating risk after life events
- Auditor-facing summary template
Module 4. Suspicious Activity Reporting Thresholds
Recognize when activity meets SAR filing thresholds and how to document internal review. Focus on cash transactions, structuring, and anomalous patterns.
12 chapters in this module
- $5,000 cash transaction rule
- Definition of structuring
- Unusual account activity
- Internal SAR referral process
- Decision log maintenance
- Multi-branch coordination
- Safe harbor protection
- Filing within 30 days
- Continuing activity reports
- Customer closure documentation
- Exemptions and exclusions
- Audit trail for non-filing
Module 5. Fair Lending: Risk Assessment Framework
Conduct a branch-level fair lending risk assessment using FFIEC guidance. Identify product, pricing, and process areas with potential disparities.
12 chapters in this module
- Product availability mapping
- Pricing deviation review
- Geographic service disparities
- Advertising channel analysis
- Language access compliance
- Complaint trend review
- HMDA data spot checks
- Loan officer behavior patterns
- File selection for review
- Risk rating assignment
- Mitigation plan drafting
- Management reporting format
Module 6. Regulation E: Error Resolution Process
Apply Reg E’s error resolution timelines and documentation standards. Know what qualifies as an error and how to investigate within compliance windows.
12 chapters in this module
- Definition of billing error
- Oral vs written notice
- 10-day acknowledgment rule
- 45-day investigation window
- Provisional credit requirements
- Documentation of findings
- Consumer notification format
- Record retention duration
- Electronic dispute handling
- ATM transaction disputes
- Preauthorized transfer issues
- Internal QA checklist
Module 7. CIP and Customer Onboarding
Ensure full compliance with Customer Identification Program rules during account opening. Verify identity using acceptable documents and document the process completely.
12 chapters in this module
- Acceptable ID types
- Document verification process
- Non-U.S. person handling
- Synthetic identity red flags
- Customer interview notes
- Record retention standards
- Digital onboarding alignment
- Watchlist matching
- Beneficial ownership capture
- Joint account documentation
- Minor account rules
- Audit-ready file checklist
Module 8. HMDA Data Collection Basics
Understand which loans are reportable under HMDA and how to capture required data fields accurately during origination.
12 chapters in this module
- Loan type thresholds
- Property location rules
- Applicant demographic fields
- Rate spread calculation
- HOEPA trigger identification
- Loan purpose coding
- Preapproval reporting
- Denial reason codes
- Data validation checks
- Common collection errors
- Internal testing process
- Regulatory submission prep
Module 9. Audit Response Preparation
Prepare for internal and external audits with organized, accurate documentation. Assemble required files, citations, and decision logs before review begins.
12 chapters in this module
- Audit notice receipt steps
- Document request tracking
- File organization system
- Citation lookup method
- Staff interview prep
- Regulatory reference binder
- Gap identification protocol
- Corrective action drafting
- Response letter review
- Follow-up timeline
- Cross-branch coordination
- Post-audit summary report
Module 10. Compliance Training Delivery
Design and deliver effective compliance training for branch staff. Turn complex rules into practical, memorable guidance.
12 chapters in this module
- Annual training calendar
- Topic prioritization
- Scenario-based learning
- Quiz design principles
- Attendance tracking
- New hire integration
- Refresher session timing
- Policy acknowledgment process
- Training effectiveness review
- Feedback collection method
- Regulatory update inclusion
- Audit-ready records package
Module 11. Regulatory Change Management
Implement new or updated rules efficiently across branch operations. Track changes, update procedures, and communicate updates with clarity.
12 chapters in this module
- Monitoring regulatory feeds
- Change impact assessment
- Procedure update process
- Staff communication rollout
- Training update integration
- Timeline for implementation
- Exception handling
- Documentation of rollout
- Feedback collection
- Compliance testing after change
- Audit trail for updates
- Escalation for ambiguity
Module 12. Compliance Leadership Communication
Communicate compliance expectations and outcomes clearly to leadership. Translate regulatory outcomes into operational insights.
12 chapters in this module
- Monthly compliance summary
- Risk trend reporting
- Audit outcome summary
- Training completion rates
- SAR filing volume
- Customer complaint analysis
- Regulatory change impact
- Resource request framing
- Executive briefing format
- Data visualisation tips
- Follow-up action tracking
- Escalation protocol for gaps
How this maps to your situation
- Preparing for regulatory audit
- Leading branch compliance training
- Responding to policy change
- Managing escalated compliance query
Before vs. after
Before
Compliance decisions require frequent verification and escalation, with inconsistent documentation across audits and training cycles.
After
You apply the core regulations with full command, document actions with precision, and lead compliance efforts with confidence and consistency.
What's included with your purchase
- 12 modules with 12 chapters each (144 chapters)
- Downloadable templates and worked examples for every module
- Hand-built implementation playbook delivered alongside course access
- 30-day money-back guarantee
Delivery and format
- Course and learning environment access provisioned within 24 hours of purchase
- Hand-built implementation playbook delivered alongside course access
Format: Text-based modules and chapters in the Art of Service learning environment, plus downloadable templates and worked examples for every chapter, plus the hand-built implementation playbook delivered alongside course access.
Time investment: Approximately 3-4 hours per module, designed for just-in-time learning during regular workflow.
How this compares to the alternatives
Unlike generic compliance webinars or third-party training platforms, this course is structured around actual regulation text, real branch scenarios, and audit-ready documentation practices, specifically for senior retail banking leaders.
Frequently asked
Is this course focused on national or state-level regulations?
The course emphasizes federal regulations that apply uniformly across branches, with references to areas where state rules may intersect.
How is the course structured?
12 modules, each containing 12 chapters (144 chapters total).
Will this help with internal audit preparation?
Yes, Module 9 provides a step-by-step method for organizing files, citations, and response materials before audit begins.
$199 one-time. Approximately 3-4 hours per module, designed for just-in-time learning during regular workflow..
Within 24 hours your account in the learning environment is provisioned and the tailored implementation playbook is delivered alongside it.
30-day money-back guarantee·
144 chapters·
Hand-built playbook included·
Account access within 24 hours