Let an expert guide you through the alphabet soup of consumer protection laws and regulations—and help you perform more effective residential real estate  audits!

	Tuesday, June 2nd, 2009
	Speaker: Patricia Cashman Duration: 90 min (1:00-2:30 PM ET) Location: Your office or conference room
	Audio Conference + CD ($349): Order
	Audio Conference Only ($299): Order
	CD Only ($299): Order
	To order by fax: Order Form (pdf) To order by phone: (800) 456-2340

To effectively perform a compliance audit of a residential real estate loan, you must be part detective and part mind-reader. A single residential real estate file can be covered by numerous consumer protection laws and regulations-Reg. B (ECOA), Reg. C (HMDA), Reg. Z (TILA), Fair Housing Act, and Flood Disaster Protection Act just for starters.  The applicability of any law depends on various factors that may, or may not, be evident in the loan file.

This 90-minute Audio Conference will eliminate the guesswork—and help you perform your compliance audits with ease and confidence.

Whether you audit by regulation or by function, and whether you are an internal auditor or an outsource vendor, this program will help you to identify deviations from laws, regulations and the institution’s policies, document your procedures, and report the findings to management.

This session will assist you in:

• Determining the objectives and scope of the audit
  
• Developing or adapting workpapers that adequately document the audit work performed and support the audit reports
  
• Understanding the applicable changes to RESPA and Reg. Z
  
• And more...

Who should attend? This session is designed for:

• New compliance auditors who want to fully understand the why and how of the residential real estate audit
  
• Experienced compliance auditors who wants to revise or refresh their work program
  
• Loan department managers who want to know what the auditors and examiners will be testing and how to properly document for compliance issues

Additionally, compliance officers can use this as a training tool for all residential real estate lending personnel.

The program includes a 30-minute Q&A session following each session. Listen in and get the chance to ask your specific questions!

Registration Includes:

• Admittance to the 90-minute call for as many people as you can fit in a room with a speakerphone
  
• Access to the specially created presentation handouts (made available 48 hours in advance) which can be printed and used
  
• Participation in a 30-minute live Q&A with the speaker following the presentation
  
• Certificates of completion for all audio conference attendees
  
• Certificates of attendance for all audio conference attendees

About Our Speaker

Patricia Cashman is a Director in the Financial Services Consulting group of RSM McGladrey, Inc. She is responsible for consumer compliance examinations, Bank Secrecy Act (BSA) and Anti-Money Laundering reviews, compliance and BSA training. Patricia began her banking career in 1969. She has been the senior operations officer for three Dallas-Ft. Worth area community banks, an assistant examiner for the Texas Department of Banking and managed the compliance/internal audit division of TIB – The Independent Bankers Bank, one of the largest bankers’ banks in the country.

Additionally, Patricia has spoken as a webcast/teleconference presenter for the American Bankers Association (ABA), BankersOnline (BOL) and the Center for Financial Training (CFT), taught a variety of compliance subjects for the Texas Bankers Association (TBA) and ABA at their respective Compliance Schools. She also serves as a BOL GURU and been a speaker/trainer for numerous banks and compliance organizations.