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Community Bank Internal Controls: The Ticket to Compliance - Part 2

Learn how to build and evaluate effective compliance controls that strengthen your CMS and support examination readiness.
Upcoming
DATE

Wednesday, November 18, 2026
2:30 pm - 5:00 pm

INSTRUCTOR

Lauren Sparks

FORMAT

Webinar

CREDIT TYPE

3 CRCM Credits

$299.00 or 1 Token

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Compliance
  • Deposit
  • Deposit Compliance
  • General Compliance
  • Lending
  • Lending Compliance
  • Mortgage Lending
  • Risk Management/Legal
  • Branch Manager
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Deposit Operations Manager/Specialist
  • Internal Auditor
  • Loan Operations Manager/Specialist
  • Marketing Officer/Business Development
  • Mortgage Lender
  • Risk Manager
  • Senior Management
  • Training Manager

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Compliance risk does not affect every regulation in the same way. Some requirements create greater risk because they involve complex calculations, strict timing rules, customer reimbursements, regulatory reporting, fair lending concerns, or the potential for significant consumer harm. Community banks need controls that address the specific risks associated with each regulation rather than relying on a single general compliance review.

Part 2 of this 2 Part series of interactive webinar workshops takes a regulation-by-regulation approach to building key controls over higher-risk compliance areas. The instructor will identify the operational points where violations most commonly occur and demonstrate how preventive, detective, and corrective controls can be incorporated into the bank&rsquo,s daily processes.

The class will focus on controls that are practical for community banks and can be assigned to business lines, operations personnel, compliance staff, management, or internal audit.

The session will emphasize that compliance controls should operate throughout the product lifecycle, from product design and marketing through application, account opening, servicing, complaint handling, and account closure.

What You'll Learn

Equal Credit Opportunity Act and fair lending:

  • Fair Housing Act considerations
  • Truth in Lending Act
  • TILA-RESPA Integrated Disclosure requirements
  • Real Estate Settlement Procedures Act
  • Home Mortgage Disclosure Act
  • Flood insurance requirements
  • Servicemembers Civil Relief Act
  • Military Lending Act
  • Fair Credit Reporting Act
  • Electronic Fund Transfer Act and Regulation E
  • Truth in Savings Act and Regulation DD
  • Expedited Funds Availability Act and Regulation CC
  • Funds-transfer and remittance requirements
  • Unfair, deceptive, or abusive acts or practices
  • Overdraft and fee practices
  • Advertising and marketing compliance
  • Privacy and information-sharing requirements
  • Customer complaint management
  • Record-retention requirements
  • Compliance risks involving third-party service providers

For each major area, the instructor will address:

  • The highest-risk requirements
  • Common operational breakdowns
  • Typical examination or audit findings
  • Preventive controls that can stop errors before they occur
  • Detective controls that identify errors quickly
  • Corrective controls that address affected customers and root causes
  • Appropriate first-line monitoring
  • Compliance testing considerations

The workshop will include case studies and participant scenarios involving common community-bank compliance failures. Participants will identify where the process failed, determine which control should have prevented or detected the issue, assign responsibility for the control, and recommend corrective action.

One case study will require participants to design a control framework for a high-risk compliance process. A second scenario will focus on a repeat violation and require participants to determine whether the bank&rsquo,s corrective action addressed the root cause or merely corrected individual exceptions.

Who Should Attend

This session is appropriate for Compliance officers and compliance staff, Internal auditors, Risk management personnel, Deposit and loan operations managers, Branch managers, Consumer and mortgage lending personnel, Marketing personnel, Training coordinators, Quality-control personnel, and Bank employees responsible for implementing or monitoring compliance controls.
Lauren Sparks

Instructor Bio

With a career spanning 40+-years as a community banker and banking regulatory risk management consultant, Lauren Sparks is an accomplished advocate for community banks and women’s financial services leadership. In her career Ms. Sparks held positions in community banks that ranged from teller to Investment Officer, Loan Officer, and Cashier. She founded a women-owned, women-led denovo community bank and served as CEO and Chairman of the Board. In risk management consulting, Ms. Sparks moved to bank consulting firms at a local level, and then to a national level where as a Director she specialized in troubled banks and fintech. In 2009, Ms. Sparks formed 3PR, Inc., a woman-owned consulting firm specializing in community banks and financial service firms where she serves as CEO. 3PR serves more than 50 community banks at any given time and has been a preferred vendor for one of the world’s largest software providers.

She has edited the Reference Guide for Regulatory Compliance Manual (RGRC) for the American Bankers’ Association (ABA). Ms. Sparks is a founder of the Houston chapter of the Association of Certified Anti-Money Laundering Specialists (ACAMS) and is a Certified Anti-Money Laundering Specialist (CAMS), Certified Regulatory Compliance Manager (CRCM), and has been an Accredited ACH Professional (AAP).

Continuing Education Credit Information

Community Bank Internal Controls: The Ticket to Compliance - Part 2 has been approved for 3 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for both Live and OnDemand viewing. For questions on certificates, please email support@oncourselearning.com. Certification holders must report these credits at https://aba.csod.com.

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