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Published each year, WBA members receive a complimentary edition in January of this year-round resource detailing financial institution information and statistics in both Montana and Wyoming. Additional copies are available. For more information contact Cheryl Johnston at (307)-638-5008 or print out the order form and submit directly to BankNews.
Salary Information on Banking Positions Reflecting the responses of financial institutions of all sizes, the survey provides salary information on more than 45 common, functional titles. It also includes information on director's compensation, incentives offered and employee benefits. All information is presented according to bank asset size, allowing for the most relevant comparisons. Data includes annual base salary, additional cash compensation figures and much more. For more information e-mail: WBA at www.wyomingbankers.com or call 307/638-5008.
About Deluxe...The World’s Largest Check Printer Deluxe Financial Services leads their industry in market share. They serve thousands of financial institutions of all sizes with a commitment of providing outstanding customer experiences. Those customer experiences translate directly to satisfaction, loyalty and revenue. The drive to deliver outstanding experiences pervades the entire Deluxe organization, from their world-class call centers and manufacturing facilities to their executive offices. Deluxe Financial Services builds on their in-depth knowledge of consumer preferences and check buying patterns to deliver measurable results. These results are tied to four key business objective their research has told them matters most to the banking industry:
Deluxe Regulatory Compliance Program Get the only program on the market that provides: An enterprise wide solution Make sure all of your institution’s personnel receive required education and training and all vendor relationships meet regulatory requirements. The program manages implementation as well as scheduling, tracking and reporting
Up-to-date, consolidated information You’ll get one portal that gathers the most current news and information from multiple sources and allows you to sort by subject and relevance. Fully integrated project management Make sure your compliance program is on task with full visibility to all steps leading to compliance – from initiation through completion. Vetted, specialized expertise Expert help is only an email away. We connect program subscribers to Deluxe-approved experts that can provide help with specific concerns and issues. To find out how your bank can join the WBA-endorsed Deluxe program, call Joyce Short at 1-800-332-4234, ext. 156538 or email Joyce at joyce.short@deluxe.com.Visit their website at www.deluxe.com.
The Wyoming Jump$tart Coalition is comprised of over 50 organizations, government agencies, financial institutions, and corporations. Working together, we are able to join forces to improve the personal financial literacy of Wyoming's youth. Contact Madoka Grenvik, Vice President, First Interstate Bank at 307/633-8434.
Office Depot, founded in 1986, is the world's leading seller of office supplies and an industry leader in every distribution channel - from retail stores and contract delivery to catalogs and e-commerce. As an Office Depot customer you will have access to Office Depot's exclusive Business Services Division website, strategic brand name partnerships, multi-billion dollar buying power, and ease in economizing your bank's operations. Enjoy customer service from Office Depot that is unmatched in the industry. Members interested in participating in this program can now sign-up online at https://odams.officedepot.com/registrations/synergybai.php. Program Highlights
The WBA is very pleased to make this program available to our members and we hope you’ll take this opportunity to re-evaluate your current office supply program.
SecureWorks is a leading provider of world-class information security services with over 2,700 clients worldwide. Organizations of all sizes, including more than ten percent of the Fortune 500, rely on SecureWorks to protect their assets, support compliance and reduce costs. The combination of deep security knowledge and expertise, purpose-built security technology and processes and excellent client service makes SecureWorks the premier provider of information security services. Positioned in the Leader's Quadrant of Gartner's Magic Quadrant for MSSPs, SecureWorks has been recognized by SC Magazine's readers with the "Best Managed Security Service" award for 2006, 2007, 2008 & 2009 and has been named to the Inc. 500, Inc. 5000 and Deloitte lists of fastest-growing companies. www.secureworks.com
First Payment Services can supply your bank with a customized program for either a strategy of customer acquisition or the income model. This program will:
According to a recent Unisys study 50% of Consumers insist financial institutions remain vigilant in protecting their privacy and would switch institutions for better protection With the recent widespread coverage of high-profile security breaches consumers have started taking action to ensure their personal information is protected. Consumers have become the primary driving force of security and privacy initiatives. This certainly affects financial institutions.Please give John Kimlinger a call at 307-421-0180 to set an appointment for a presentation.
JOHN M. FLOYD & ASSOCIATES OVERDRAFT PRIVILEGE PROGRAM JMFA’s overdraft privilege program is a structured way for a financial institution to allow its account holders to overdraw their transaction accounts subject to pre-established limits. It benefits account holders by sparing them the embarrassment of dealing with a bounced check at their local retailer, and by charging them only one single NSF fee through the financial institution. The fee to pay a check is usually the same as the fee for a returned check (insufficient funds or NSF item). JMFA’s overdraft privilege program benefits the financial institution by generating more transactions, using more of the financial institution’s capacity and boosting its non-interest income.
Group Life, Medical, and Dental Coverage
PRESENT
FUTURE
For more information, contact Amy Jenks (1-877-443-0520), Jim Edwards (1-877-343-1060), or visit the HealthServe website at www.healthserve.info.
Promontory Interfinancial Network In March, Wyoming joined the growing list of states that allow the use of CDARS for the investment of public funds. A new state law expressly authorizes investment of state and local government funds through the CDARS service. With CDARS, banks can offer a customer up to $25 million in Federal deposit insurance coverage. Because of the premium placed on safety by public bodies, the treasurers and finance committees of state and local governments are subject to investment policies and restrictions. Uninsured deposits may have expensive collateral requirements, which make investing in uninsured CDs complicated and costly. With CDARS, deposits in banks generally do not require collateralization – and investors can earn CD level rates. That means that, for municipalities and other public sector entities, CDARS can be a valuable tool either for cash management or for longer-term investment. Public units can avoid the hassle of tracking collateral, working with multiple banks, or using private surety bonds. And – because of the way CDARS works – the money that public units deposit in effect remains at work supporting lending opportunities in the community. How does it work? Members of the Promontory Interfinancial Network offer CDARS. More than 1100 banks are committed to the Network. When a customer places a large deposit with a Network Member, the bank arranges for the placement of the funds into CDs issued by other Network Members, in increments of less than $100,000 to ensure that both principal and interest are eligible for full FDIC protection. With help from a sophisticated matching system, Network Members exchange deposits dollar for dollar, bringing the full amount of the original deposit back to the bank. From the customer's perspective, it is like dealing with one bank – one point of contact, one statement. For more information, call 1-866-766-6424, or visit www.promnetwork.com .
Online Banking Solutions | Lender Solutions | Customer Appreciation AD&D Program | ID Theft Protection | Relationship Banking Strategies The following companies are co-endorsed by WBA and the American Bankers Association (ABA).
INTERNET BANKING SOLUTIONS DESCRIPTION: CONSUMER SOLUTIONS: Intuit Financial Services' Consumer Solutions include:
BUSINESS BANKING: Intuit Financial Services Business Solutions include:
WEB CENTER: PROGRAM BENEFITS:
DESCRIPTION: DeskTopLender is an Internet-based retail lending product that provides branches and loan officers with a new and more powerful means to process and decide consumer loan applications. With an intuitive user interface designed for banking professionals—but not necessarily lending experts—DeskTopLender enables your staff to swiftly serve customers' loan requests. DeskTopLender supports over 25 different loan types, including new, used, classic and refinanced vehicle loans; credit cards; unsecured loans; and home equity loans. AnyTimeLender is the direct-to- consumer Internet lending product. It is a browser-based origination and automatic decisioning system that enables customers to receive immediate loan decisions through the bank's Web site. AnyTimeLender provides anytime, anywhere access to a simple and logical user interface that is geared to the general public for ease of data entry and review. AnyTimeLender automates lending decisions based on the bank's lending policies, and does this 24x7x365, ensuring that lending opportunities are not missed. The calculator tool enables customers to calculate their loan amounts while filling out their applications and to view their amortization schedules. A Management Console feature allows for easy self-administration of AnyTimeLender and DeskTopLender. Your bank can control product messaging, create drop-down menus, update disclosures, and modify product names and descriptions, and add the bank's logo, fonts, and colors to match branding standards. ContactCenterLender is Intuit Financial Services' outsourced consumer loan application call center. This service is especially attractive for banks that want to offer after-hours loan application services or use the call center as an overflow mechanism for their consumer loan department during peak volume times. The call center is staffed by experienced lending professionals and is available 24x7x365. PROGRAM BENEFITS:
CUSTOMER APPRECIATION PROGRAM – AD&D With a combined 35 years of experience, Affinion Benefits Group (ABG) has emerged in the 21st century as both a leader in customer engagement and as a driving force behind fully comprehensive insurance solutions. ABG has built excellent relationships with more than 4,500 financial institutions, including regional banks, community banks, mortgage companies, credit card issuers, and national banks. These institutions are enjoying the benefits of an ABG supplemental insurance program, with products designed to increase profitability, differentiate the institution in the marketplace, deliver incremental fee income, and increase retention. The Accidental Death & Dismemberment (AD&D) insurance plan is a “Customer Appreciation” program designed to strengthen ties with bank customers and to generate incremental revenue. The program offers $1,000 of AD&D insurance at no cost to your customers – your bank pays the premium – as well as the opportunity to purchase additional coverage at affordable group rates. The program is marketed with a tried-and-true direct mail solicitation program, including, over time, the implementation of multiple acquisition, cross-sell and upsell direct response events. PROGRAM BENEFITS
MARKET PROFILE: Financial institutions with at least 2,000 DDA customers.
Affinion Group is a leading global provider of customer engagement strategies, including being a market leader in identity theft and security solutions. Every 3.2 seconds, someone loses their identity. Identity theft is a complicated crime and banks need a comprehensive solution. Affinion Group provides an extensive suite of identity theft prevention, detection, and resolution services designed to help meet consumer and regulatory needs. Affinion Group’s capabilities encompass a broad range of data protection, monitoring, reporting and support services. Each feature can be operated independently or seamlessly merged to provide a custom, comprehensive security solution. Affinion Group’s vast experience and marketing channel expertise help ensure each bank’s identity theft solution meets or exceeds its goals. With over 35 years experience with financial institutions, Affinion Group's retail professionals will help you fully develop your bank's identity theft protection solution. This includes employee training and motivation, internal and external advertising and promotion, follow-up tracking and analysis and on-going program consultation. PROGRAM BENEFITS:
MARKET PROFILE: Banks with at least $25 million in assets will benefit from Affinion Group's valuable identity theft protection programs. Affinion Group will customize the strategies to meet your bank's unique marketing and business plan.
RELATIONSHIP BANKING STRATEGIES Affinion Group is a leading global provider of customer engagement strategies, including value-added checking programs, offering banks opportunities to strengthen and build profitable customer relationships. Through Affinion Group's programs, banks can customize value-added checking programs designed around specific marketing goals – account retention, fee income, or acquisition in the following market segments:
With over 35 years’ experience with financial institutions, Affinion Group's retail professionals will help banks fully develop their Relationship Banking Strategies. This includes employee training and motivation, internal and external advertising and promotion, follow-up tracking and analysis and on-going program consultation. PROGRAM BENEFITS:
MARKET PROFILE: Banks with at least $25 million in assets and with a retail focus will benefit from Affinion Group's valuable "niche marketing" programs. Affinion Group will customize the strategies to meet your bank's unique marketing and business plan.
CASH SWEEPsm PROGRAM – SEI Investments Designed to help community banks attract and retain key commercial accounts, the ABA-sponsored CashSweeps program offered through SEI Investments is a turnkey, automated system that sweeps excess commercial DDA balances into selected money market mutual funds. The program offers an integrated approach to building cash sweep services and oversees all aspects of the implementation process. Components include software implementation, technical training, extensive marketing support, and ongoing consulting services. ABA-SPONSORED CASH SWEEPsm PROGRAM DESCRIPTION: Designed to help community banks attract and retain key commercial accounts, the ABA-sponsored CashSweepSM program offered through SEI is a turnkey, automated system that sweeps excess commercial DDA balances into selected money market mutual funds. The program offers an integrated approach to building cash sweep services and oversees all aspects of the implementation process. Components include software implementation, technical training, extensive marketing support, and ongoing consulting services. BACKGROUND: In response to banks’ growing need to offer products to commercial customers that are competitive to non-bank financial service companies, ABA researched and selected SEI as the endorsed provider of a competitive and flexible cash sweep program. Through the ABA-sponsored program, community banks can offer both corporate and retail clients a variety of Money Market funds to satisfy a range of customer needs. The program provides a unique investment management process designed to ensure competitive and consistent performance. MARKET PROFILE: Any commercial bank whose commercial customers would benefit from short-term investments of their excess DDA balances. Community banks will value the flexible, PC-based system accompanied by customized marketing support. WHAT BANKS CAN DO WITH SWEEP ACCOUNTS:
HOW CLIENTS CAN BENEFIT FROM SWEEP ACCOUNTS:
COMPANY ADMINISTERING PROGRAM: SEI CAB CONTACTS:
ABA-SPONSORED XEROX PROGRAM – Xerox This program provides special pricing through Xerox Corporation on a wide range of Xerox products. Xerox offers solutions for large or small banks, individuals and workgroups requiring high-volume jobs or everyday correspondence. Whether you need to create crisp black-and-white or high-impact color documents, Xerox has the perfect product to meet your needs. Banks can save on the full Xerox product line including black-and-white and color copiers, laser printers, facsimiles, electronic publishing systems and a whole line of multifunction devices which copy, fax, print and scan all in single unit. HOW TO PARTICIPATE: For more information, please contact your local Xerox sales representative or authorized sales agent, and mention the ABA discount. To locate a Xerox representative near you, call the bankers hotline at 1-800-ASK-XEROX (275-9376) ext "BANK". Important: Make sure you reference the ABA contract number 0706438 when you purchase or lease your Xerox machine. Xerox Corporation XEROX OFFICE PRINTERS, COPIERS, MULTIFUNCTION SYSTEMS
As a result of the USA PATRIOT Act and the industry's on-going role and interest in combating money laundering and terrorist financing, there has been an increasing emphasis to strengthen measures to prevent, detect, and prosecute those involved with money laundering and the financing of terrorism as well as to strengthen the provisions put into place by the Money Laundering Control Act of 1986. There has been particular focus on internal controls needed to identify money laundering and terrorist financing activities.
RETIREMENT PLAN SERVICES - Pentegra DESCRIPTION: Pentegra's full service approach to retirement plan management includes custom plan design, administration and recordkeeping, investment management, plan consulting, legal support, plan compliance, a primary fiduciary role and participant education and communications, and the added advantage of 65+ years of community bank retirement plan "best practices." As a bank retirement specialist, Pentegra is focused on delivering retirement products that fit your needs. Pentegra also offers the opportunity to add employer stock and/or bank certificates of deposit as retirement plan investment options. Whatever your bank's objectives, whether it is enabling participants to purchase stock through a 401(k) plan, making matching contributions in the form of company stock, or establishing an ESOP, Pentegra has the expertise to help you design a retirement program that accomplishes these goals, including controlling the number of shareholders. What's more, employer stock is administered in a daily valuation trading environment—whether it is traded on a major exchange or thinly traded. In addition, through its Private Label 401(k) program, Pentegra partners with select financial institutions to offer a full-service, fully branded 401(k) program for commercial customers. Pentegra's Private Label retirement product delivers an optimal combination of quality and value by providing a broad array of flexible services, the ability to support a wide range of plan types, a comprehensive investment platform, and complete control over branding and distribution—with the added benefit of fee income from non-traditional revenue sources. BACKGROUND:
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