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Internal Audit Plan
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Hello~I am a new internal auditor and am looking to develop a better audit plan.  Our asset size is $350 million.  If anyone has suggestions or EXAMPLES of audit plans I would greatly appreciate it.  This position was newly created and I don't have any prior experience with auditing.  ThanksMelanie Weldymweldy@superiorfcu.com

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E-Sign
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Hello,I am wondering how other financials handle E-Sign requirements when a member requests e-statements in person? Currently our staff will mark on the account that the member wants e-statements and then the member will sign a form, however, this is not in compliance with the E-sign rules that the member must receive the disclosure in the same manner they are receiving their statements. Short of walking our member through it online while over their shoulder in our offices, or on the kiosk in the lobby, what else can we do or what else are others doing?

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Credit Reports pulled when Not required
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We have a loan product that is not credit scored or risk based, but is secured by shares and is automatically approved provided the shares are available.  Procedure does not call for a credit report to be pulled, however, in reviewing these loans, I find that credit reports are being pulled on occasion.  What would the down side be to pulling these reports when they are not required (the the Credit Union or to the member)?  They are not used in approving the loans.

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Internet Investigative web sites
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These may be of value to you Regards,

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Fraud Officer - Resp & Access
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I would like to know from those who have a fraud officer/department what level of core system access fraud personnel have & what their responsibilities are.  For access rights, are they transactional, read only, or a combo (please expand on this one)?  For roles/responsibilities, does s/he collect on fraudulent accounts, recommend items to be charged off, etc?  ~thanks, Ana

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Credit Report Question
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I am reposting this under "General Forum", I have also posted this under "Audit Issue":We have a loan product that is not credit scored or risk based, but is secured by shares and is automatically approved provided the shares are available.  Procedure does not call for a credit report to be pulled, however, in reviewing these loans, I find that credit reports are being pulled on occasion.  What would the down side be to pulling these reports when they are not required (the the Credit Union or to the member)?  They are not used in approving the loans.

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Vendor Feedback
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I have been asked to seek feedback from this group on Guardian Analytics.  We are looking into their monitoring service - mbr activity thru home banking.  CU would be alerted to unusual activity, log-on locations, etc.  All feedback is greatly appreciated.heidin@fortbraggfcu.org  

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Disaster Preparedness & Response Plan
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Hello:Anyone out there willing to share their DPR plan??   The "sad excuse" of a plan they have here needs some serious work and I could use some help. Thanks,Kimkbell@stlawrfcu.com

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branch closing
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Does anyone know of any reporting requirements or approvals necessary to close a branch? I know that the FDIC requires a 90 day notice from banks before branch closing. Is there anything similar for CUs?

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Dormant Account Policy
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Does anyone have a Dormant ccount Policy that they are willing to share?

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