2025 Essentials of Banking
ESSENTIALS OF BANKING SERIES
ICBND is excited to present Essentials of Banking in 2025.
Essentials of Banking is a six-part, interactive, virtual learning series designed to provide a complete overview of banking principles and operations. Each session is 3 hours in length.
Session Dates & Topics:
January 22 - Session 1: Money, Banking & My Career
February 19 - Session 2: Banking History, Regulators & Risk Management
March 19 - Session 3: Banking Products & Services
April 23 - Session 4: How Banks Make Money & Risk Management
May 21 - Session 5: Banking Compliance Overview
June 25 - Session 6: WOW! Service & Growing the Bank
Who Should Attend: New bank employees in all roles/departments and bank directors new to banking, management trainees, and bank veterans who are looking to broaden their banking knowledge.
Benefits of the Series:
- Establish a strong foundational knowledge of banking in the United States
- Expand banking skills and knowledge in a focused learning environment
- Interact and network with other bankers in a virtual environment
- Understand the variety of banking career opportunities
- Improve cross functional contributions and performance
- Prepare for Graduate Schools of Banking
- Know how your bank makes money
- Interpret your bank’s financial statements
- Define commonly used banking terminology
- Develop a mindset of service to all stakeholders
- Contribute to your bank’s growth and profitability
Attendees are required to:
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- Have Zoom virtual meeting access
- Interact with facilitator and other participants in a live, virtual environment
- Actively participate in all activities and exercises
- Complete assignments
- Have full, working computer microphone and speakers or phone access
- Participate in chat discussions
To receive a full overview of banking, it is recommended that participants attend all six sessions of the series, beginning with Session I. However, one session is not a prerequisite for another. Each session may be attended as a stand-alone class.
Registration Options
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Registration Options
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Price |
|---|---|
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Essentials of Banking FULL Series
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$1,200.00 |
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January 22: Session 1 ONLY
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$350.00 |
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February 19: Session 2 ONLY
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$350.00 |
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March 19: Session 3 ONLY
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$350.00 |
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April 23: Session 4 ONLY
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$350.00 |
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May 21: Session 5 ONLY
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$350.00 |
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June 25: Session 6 ONLY
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$350.00 |
Date: January 22, 2025
Time: 1:00 - 4:00 pm (CT)
Session 1: Money, Banking, and My Career
Evolution of Money and Banking
- Definition of Money
- Types of Money
- Definition of Banking
Types of Banks and Bank Organizational Structures
Roles and Responsibilities of the Board of Directors
Discovering Your Role as An Essential Service Provider
- Changing Banking Landscape
- Profitable and Purpose Driven Banking
- Building Thriving Communities
Your Successful Career in Banking
- Integrity and Ethics in Banking
- Identifying and Balancing Key Stakeholder Interests
- Risk Management 101: Safety and Soundness and Consumer Compliance
- Career Growth Opportunities
Key Banking Divisions and Departments
- Retail Banking
- Mortgage Banking
- Commercial Banking
- Corporate Banking
- Trust, Investment, and Insurance Services
- Information Technology
- Compliance, BSA & Fraud
- Bank Operations
- Accounting and Finance
- Human Resources
- Marketing
Date: February 19, 2025
Time: 1:00 pm - 4:00 pm (CT)
Session 2: Banking History, Regulators, and Risk Management
History of Banking in the United States
- Introduction to Risk Management in Banking
- Safety and Soundness
- Consumer Compliance
- U.S. History and Key Banking Legislation through the Years
- Understanding the “Why” Behind Key Bank Regulations
Uniqueness of U.S. Banking System
- Dual State and Federal Banks
- Federal Reserve as the Decentralized, Central Bank
- Organization of the Federal Reserve System
- Roles and Responsibilities of the FED
- U.S. Monetary Policy
Roles and Responsibilities of Other Banking Regulators
- Comptroller of the Currency
- Federal Deposit Insurance Corporation (FDIC)
- FDIC Insurance and EDIE
- Office of the Comptroller of the Currency (OCC)
- Consumer Financial Protection Bureau (CFPB)
- Consumer Compliance
- National Credit Union Administration (NCUA)
- Differences Between Banks and Credit Unions
- Key Advantages of Banking with a Bank
- Conference of State Bank Supervisors & Federal Financial Institutions Examination Council (FFIEC)
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- U.S. Department of the Treasury
- U.S. Department of Justice and FinCEN
- BSA and Fraud
Current Banking Related Hot Topics
Date: March 19, 2025
Time: 1:00 pm - 4:00 pm (CT)
Session 3: Banking Products and Services
Assessing Bank Stakeholder Needs
Defining the Customers of a Bank and Meeting their Needs
Deposit Products and Services
- Types of Deposit Accounts
- Other Retail Banking Services
- What’s New?
Loan Products and Services
- Two Basic Types of Lending
- Consumer Loan Products and Services
- Commercial Loan Products and Services
- 5 C’s of Lending and Credit Analysis
Electronic Banking
- Consumer E-Banking Products and Services
- Treasury Management Products and Services
Trust, Investments, and Insurance
- Trust Products and Services
- Investment Products and Services
- Insurance Products and Services
Corporate/Investment Banking Products and Services
Date: April 23, 2025
Time: 1:00 pm - 4:00 pm (CT)
Session 4: How Banks Make Money and Risk Management
Understanding Profitability, Liquidity, Cash Flow
- Why Your Bank’s Profitability and Financials are Important to You
- How Banks Make Money
- Deposit and Loan Growth
- Pricing Deposits and Loans
- Fee Income
- Overview of the Balance Sheet
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- Bank Assets
- Liabilities
- Shareholder’s Equity
- Overview of an Income Statement
- Sources of Income and Expenses
- Net Profit
- Other Key Financial Statements
Breaking Down a Bank’s Annual Report
Risk Management and Safety and Soundness
- Asset/Liability Management
- Defining the Various Banking Risks
- Safeguarding the Bank’s Assets/ Corporate Governance
Bank Performance Metrics
- Key Financial Performance Ratios
- Other Bank Performance Metrics
- Bank Examinations
- Types of Bank Examinations
- The Anatomy of an Exam
- CAMELS Rating System
- Regulatory/Supervisory Actions
Date: May 21, 2025
Time: 1:00 pm - 4:00 pm (CT)
Session 5: Banking Compliance Overview
The Purpose of Laws, Regulations, and Your Compliance
Compliance Management Fundamentals
- Regulatory Expectations
- Changing Role of Compliance
- Compliance and Your Job
Banking and its Regulation
- Code of Federal Register
- Alphabet Soup
- Overview of Key Bank Regulations
- Safety & Soundness Regs
- Consumer Compliance Regs
The Banker’s Responsibility in Preventing and Reporting Crime
- Anti-Money Laundering, CIP, and Beneficial Ownership
- Technology Threats to Banking
- Scams and Elder Abuse
- Internal Fraud/Crime
- Requirements and Best Practices for Crime Prevention
Security Regulations
- Reg P – Privacy of Consumer Information
- Bank Protection Act of 1968
Date: June 25, 2025
Time: 1:00 pm - 4:00 pm (CT)
Session 6: WOW! Service and Growing the Bank
Stakeholder Service Excellence
- Serving Your Key Stakeholders
- The Evolving Banking Business and the Customer Experience
- The Power of Word-of-Mouth Marketing
- Branding 101: Building the Bank’s and Your Personal Brand
- Defining and Building Client Loyalty
- Providing Service that WOW’s
- Customer Service Standards
- Effective Communication Strategies
Growing the Bank
- Growing the Bank is Everyone’s Job
- The Banker’s Role as a Trusted Advisor
- Proactively Helping Customers
- Building Profitable Relationships
- Tips For Successful Networking
- Business Development Strategies for All Bankers
- Giving Back to Your Community
For More Information:
1136 West Divide Avenue P.O. Box 6128Bismarck, North Dakota 58501
United States 701.258.7121
This course is held virtually. Log in instructions will be sent to attendees once their registration is complete.