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  • Teller line
    Forum topic

    Hi,Do any of you have requirements on a minimum number of tellers behind the line during business hours? Do you require at least 2 people behind the line at a time?What about desk/platform/management within the branch? Do you have any requirements on their presence? How many?Any issues when it appears there is only one employee in the branch viewing area? i.e. another teller may be out of sight in the work room or on a break?Thanks, Nikki

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  • news item on the Home page
    Forum topic

    HiI see that there is a news item on the home page of the ACUARP that is headed "New Internal auditing standards to incerase External Auditors Scutiny of Internal Audit" and although I find this very interesting that is no citation or reference information  indicating where this came from nor is it dated. This should be updated to include this information. anyone know where this info came from?

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  • Cost Center Accounting
    Forum topic

    How many of your credit unions are doing some form of cost center accounting/allocations?  Also I'm curious about any product profitability analysis that may be done.If you do any of this, I'm curious about your core system and your ALM/Cost Center software you use.  We are currenly on XP and use Profit Star for our ALM and Cost Center Accounting.  We are now performing cost center allocations.  We plan to start implementing product profitability in the coming months.Could you also provide your asset size?Thanks for your help on this matter. Patrick McColloughArkansas Federal Credit Union

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  • Compliance Officer/Security Officer
    Forum topic

    Hello all:We currently have a Director of Operations. She also handles compliance questions and concerns. Are we required to name a person on our Security Policy? Do we have to name someone as "Compliance Officer" or "Security Officer". Thank you. Beronica.Noriega@R1CU.Org

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  • Real Estate Loans
    Forum topic

     Hello! I have a question on Real Estate Loans. Can you guide me please or send me to someone who I can ask.1.       If a loan is closed at a title company, but the member did not date the documents while they were signing the disclosures, is this a mistake that we learn (and talk to Title Company) or is there some type of remedy. To my understanding, the date is part of the signature. 2.       The HE documents are received through e-mail the vast majority of the time.

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  • Relationships between Internal Audit and Risk Managment
    Forum topic

    I am interested in how other credit unions established working relationships between Internal Audit and Risk Management.  The IIA published an ERM Position Paper which is fairly clear on Internal Audit's role in ERM.  However, I wondered if in practice any credit unions forned working unions of Internal Audit and Risk Management.  I would appreciate a description of the roles and responsibilities as well as the reporting chain up to the Supervisory Committee.  When I refer to Risk Management, I'm using the definitions, objectives and components described in COSO's ERM framwork.  If you beli

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  • Recorded Phone Calls
    Forum topic

    Our system automatically records all calls. When we answer the calls at the Call Center we do not disclose that the phone is being recorded and or monitored. From time to time, upper management will listen to both employee and Call Center phone conversations. Legally, do we need to disclose that the calls are being recorded? If so, where can I find more reading material? Thank you in advance. Beronica.Noriega@R1CU.Org

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  • Member Business Loan Policy
    Forum topic

    Hi Everyone, I am in the process of “cleaning up” our Member Business Loan Policy.  I am looking for other credit unions’ member business loan policies, in particular wording about the primary market area.  I would describe our primary market wording as “convoluted” at best J.   If you are able (and willing), please send a copy of your member business loan policy to: delston@bayportcu.org. Thanks!  Dan ElstonBayPort Credit UnionEmail: delston@bayportcu.org  

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  • Concentration Risk - Loan Participations
    Forum topic

    Hi, The examiners are requesting we update our policy for limits related to concentration risk.  Has anyone addressed concentration risk in their loan participations policy?  In particular, limits related to types of loans AND participants?  Are you using NAICS codes?  If able, can you please share your policy? We do almost all of our participation loans (purchases) with 1 credit union.  We essentially perform the underwriting for the loan (we outsource to a qualified 3rd party) and also review the other institution’s underwriting as well (separate underwriter).  We have a long standing rel

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  • Compliance Officer
    Forum topic

    If you have a compliance officer at your credit union, are they part of management?

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