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E-Sign For Lending - Challenges & Solutions

What steps must be followed to be in compliance with E-Sign? What steps should be taken to verify the customer’s identity in view of an increased risk of identity theft? This session will explain the intersection of E-SIGN and cybersecurity while providing valuable tips for educating consumers and identifying fraud.

OnDemand
Recorded Wednesday,
October 26th, 2022
Presented by Susan Costonis
1h 30m total length
$279.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Auditing
  • Commercial/Business Lending
  • Compliance
  • Customer Service
  • Fraud
  • Information Technology/Security
  • Lending
  • Lending Compliance
  • Mortgage Lending
  • Branch Manager
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Customer Service Representative
  • IT Professional
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Mortgage Lender
  • Security Officer
  • Small Business Lender

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A global information security organization reported that 85 of 100 financial institutions experienced fraud in the digital account opening process. It’s crucial that financial institutions use multilayered methods for fraud screening. Yet, consumers expect more digital access at a time that cybersecurity has become a significant threat. What steps should be taken to verify the customer’s identity in view of an increased risk of identity theft?

What You'll Learn

  • What are the rules? Learn about Federal regulations for E-Sign and the Uniform Electronic Transactions Act (UETA)
  • Which lending regulations are related to E-Sign and have specific provisions for compliance?
  • What are “digital signatures”?
  • Learn the Six-Step Process for Consumer Consent
  • Basic Steps for E-Sign Implementation
  • Tips for cybersecurity and fraud detection of identity theft

Who Should Attend

This session is beneficial for lenders, loan administration, compliance officers, IT staff, auditors, customer service, security officers.

Susan Costonis

Instructor Bio

Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training.

Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and ?translates? complex regulations into simple concepts by using humor and real life examples.