Continuing Education

Annually the conference is assessed and approved for continuing education credits. 

The ABA is dedicated to promoting the highest standards of performance and ethics within the financial services industry. The 2025 session of the Advanced BSA/AML Specialists Conference has been approved for 15.5 CAFP, 14.25 CERP, 16.75 CRCM, and 1.25 CTFA credits. This statement is not an endorsement of this program or its sponsor. The program will be submitted for accreditation review on a session-by-session basis.

 

Target Audience

The course is intended for examiners who have experience reviewing large, complex commercial loans. The attendee should have a solid foundation in the analysis of business financial statements, basic accounting, and the sources and uses of cash.

Examples of the target audience include examiners who participate in shared national credit examinations or who review a variety of commercial and industrial loans on a regular basis that want to strengthen their credit analysis skills.

Objectives

Upon completion, participants should be able to:

• Upon completion, participants should be able to:

• Develop skills necessary to efficiently analyze and understand the underwriting logic associated with a senior debt transaction.

• Complete a qualitative and quantitative analysis of a business.

• Recognize the key credit risks and the mitigating factors associated with a senior debt transaction.

Pre-Course Assignment

Pre-course work includes reading and an assignment. Participants are required to submit the assignment prior to the class. The estimated completion time is six to eight hours.

If a refresher on financial statements ratio analysis is needed, it is suggested you complete the optional financial ratio calculation worksheet. The estimated completion time is two to three hours.

Continuing Education

Annually the class is assessed for continuing professional education credits.

2026 Approved Credit Hours: 28.8

Objectives

Upon completion, participants should be able to:

• Identify the credit risk related to agricultural lending.
• Discuss appropriate loan structure to match cash flow and to minimize risk to financial institutions.
• Explain the financial information required to effectively assess the condition and repayment ability of the farm operation.
• Describe certain current agricultural market conditions that result in the most acute risks in agricultural lending.
• Use a management assessment tool to consider owner’s/operator’s talent, expertise and experience to effectively manage the farm.

Target Audience

The course is intended for examiners who have limited experience with reviewing agricultural loans. Experienced examiners can use this offering as a review of the skills they may already have. Those who have attended Agricultural Lending Hot Topics should also consider attending this class, as the content differs.

Target Audience

All financial institution examiners and others who require knowledge of emerging agricultural issues are encouraged to attend. 

Objectives

Upon completion, participants should be able to:

• Recognize potential money laundering risks confronting financial institutions.
• Assess the adequacy of financial institution policies, procedures, and processes in complying with BSA/AML Examination Procedures and Programs.
• Discuss current trends significant to AML.

Target Audience

The course is designed for participants with examination knowledge of the Bank Secrecy Act and regulations and some experience in reviewing a financial institution’s BSA program for compliance using the BSA/AML Examination Manual. 

Pre-Course Assignment

The pre-course is recommended reading. The estimated completion time is two hours.

Target Audience

The conference is intended for examiners who have basic to advanced skills and are involved in capital markets examination activities and routinely assess the inherent risks in conjunction with the overall risk profile of an institution during an examination or review of community, mid-sized and complex financial institutions.

Continuing Education

Annually the conference is assessed for continuing professional education credits.

ABA Professional Certifications is dedicated to promoting the highest standards of performance and ethics within the financial services industry. The 2025 virtual Capital Market Conference sessions have been approved for 16.5 CERP, 19.25 CRCM, 14 CSOP, 2.5 CFTA, and 1.25 CAFP credits. This statement should not be viewed as an endorsement of this program or its sponsor.

2025 Approved Credit Hours: 18.9

Objectives

Upon completion, participants should be able to:

• Analyze individual and business tax forms and schedules and recognize some of the key differences between them.
• Construct borrower cash flow statements using information converted from business and individual tax returns and financial statements.
• Identify cash flow analysis information within a business and personal tax return, including recurring and non-recurring items that may impact sustainable cash flow.
• Identify the interrelationships of a borrower’s various financial activities as presented on a tax return.
• Illustrate cash flow movement between related companies and their common owners.
• Recognize various business entity structures and the drivers of business entity choice.
• Analyze global cash flow to determine the borrower’s primary source of repayment and assess its ability to service debt.

Target Audience

The course is intended for examiners who regularly review commercial credits.

Pre-Course Assignment

A completed pre-course assignment is recommended to attend this course. The estimated completion time is four to six hours.

Continuing Education

Annually the class is assessed for continuing professional education credits.

2026 Approved Credit Hours: 41

Objectives

Upon completion, participants should be able to:

• Describe the various Commercial Real Estate (CRE) market sector characteristics and identify the risks of lending in those markets.

• Discuss concepts for the proper structure of CRE loans to minimize risk to lenders.

• Identify effective CRE credit risk management practices.

• Effectively analyze and rate a CRE credit by assessing the ability of the borrower to repay the loan under the current loan structure and economic scenario.

• Apply real estate math concepts to assess the strength of the identified repayment sources and validate the appraised value of the collateral.

• Assess CRE market conditions or trends using qualitative factors discussed in the course.

Target Audience

The course is intended for seasoned examiners. Participants should have a working knowledge of commercial real estate loans and risk management processes.

Pre-Course Assignment

The pre-course is recommended reading. The estimated completion time is six hours.

Continuing Education

Annually the class is assessed for continuing professional education credits.

2026 Approved Credit Hours: 30.8

Objectives

Upon completion, participants should be able to:

• Evaluate a company’s financial statements to determine its sources and uses of cash and cash flow drivers.

• Construct cash flow ratios and determine effective use of cash flow ratio analysis.

• Identify and evaluate primary and secondary repayment sources and detect potential problems with repayment ability.

• Analyze debt capacity of a borrower and the borrower’s ability to service debt from cash flow.

• Determine cash flow sustainability and concerns in a fast-growing company.

• Calculate and evaluate free cash flow for debt service, debt reduction, funding growth, and determining enterprise value.

• Describe various techniques to calculate Enterprise Value, including the market multiple and discounted cash flow approaches.

• Apply Enterprise Value techniques to determine the value of the secondary sources of repayment for a leveraged transaction.

Target Audience

The course is intended for examiners who have a strong working knowledge of analyzing commercial loans. 

This course and the OCC’s Advanced Cash Flow Seminar are similar.

Pre-Course Assignment

The pre-course is recommended reading. The estimated completion time is four to six hours.

Continuing Education

Annually the class is assessed for continuing professional education credits.

2026 Approved Credit Hours: 33.8

Target Audience

The conference is intended for examiners with consumer compliance supervision and examination experience and responsibilities within the FFIEC member agencies. 

Those with responsibility for assessing risk from financial institution activities that have consumer compliance implications and incorporating the assessment into overall supervisory plans and risk assessments of complex financial institutions may also benefit from the curriculum.

Continuing Education

Annually the class is assessed for continuing professional education credits.

The ABA is dedicated to promoting the highest standards of performance and ethics within the financial services industry. The 2025 session of the Consumer Compliance Conference has been approved for 7.75 CRCM, 7.75 CERP, and 3 CAFP credits. This statement is not an endorsement of this program or its sponsor. The program will be submitted for CRCM credit review on a session-by-session basis.

Objectives

Upon completion, participants should be able to:

Collateral Assessment

• Demonstrate how to estimate a revised cash flow after loan origination.
• Identify the impact on the value if the highest and best use of the project has changed.
• Validate the capitalization rate applied in an existing appraisal.
• Utilize models to perform valuation and cash flow scenarios.
• Identify lease clauses that could affect future cash flow.

Credit Analysis

• Evaluate the lender with respect to workout strategies.
• Analyze the project income in support of the loan and the workout strategy.
• Evaluate global cash flow concepts, setting forth expected standards including verification of financial condition.
• Evaluate the lender’s recognition and handling of deteriorating CRE loans, including exit strategies.
• Monitor ongoing underwriting standards for CRE credits with focus on troubled credits.
• Assessing Other Real Estate Owned from a safety and soundness prospective.

Target Audience

The course is intended for seasoned examiners with an extensive background in reviewing and analyzing commercial real estate.

Prerequisites

Participants are required to complete Commercial Real Estate Analysis for Financial Institution Examiners (CRE).

Continuing Education

Annually the class is assessed for continuing professional education credits. 

2026 Approved Credit Hours: 30.8

The FFIEC Examiner Exchange is an alternative delivery program that provides timely updates on changes in supervisory guidance or regulations and information on current issues in the financial industry.

The target audience for FFIEC Examiner Exchange includes federal and state financial institution examiners. Programs are not intended for or available to the public.

Legal disclaimer: Use of FFIEC Examiner Exchange and FFIEC Industry Outreach program materials by participants or others, including video and audio recording of the presentations, is strictly prohibited except by written permission of the FFIEC or its members. The views expressed in the FFIEC Examiner Exchange and FFIEC Industry Outreach programs are individual views, intended for informational purposes, and are not formal opinions of, nor binding on, the FFIEC or its members.

The FFIEC Industry Outreach is an alternative delivery program that provides timely updates on changes in supervisory guidance or regulations and information on current issues in the financial industry.

The target audience for FFIEC Industry Outreach programs includes representatives from financial institutions, trade associations, third-party providers, and consultants. Federal and state financial institution examiners are also welcome to participate in FFIEC Industry Outreach programs.

Legal disclaimer: Use of FFIEC Examiner Exchange and FFIEC Industry Outreach program materials by participants or others, including video and audio recording of the presentations, is strictly prohibited except by written permission of the FFIEC or its members. The views expressed in the FFIEC Examiner Exchange and FFIEC Industry Outreach programs are individual views, intended for informational purposes, and are not formal opinions of, nor binding on, the FFIEC or its members.

The Financial Crimes Seminar is designed to provide insight and information on a variety of current and emerging financial crime related topics. This seminar is not intended to teach techniques for detecting fraud. 

Presenters may include staff from the FBI, FinCEN, the Department of Justice, various regulatory agencies, industry specialists, accountants, and attorneys.

Content is expected to be of value to all interested examiners.

The length is typically two to three days.

Target Audience

Financial institution examiners and others who require knowledge of fraudulent schemes and insider abuses.

Continuing Education

Annually the conference is assessed for continuing professional education credits.

The ABA is dedicated to promoting the highest standards of performance and ethics within the financial services industry. The 2025 session of the Financial Crimes Seminar has been approved for 10 CAFP, 10 CERP, and 10 CRCM credits. This statement is not an endorsement of this program or its sponsor.

2025 Approved Credit Hours: 9.9

Target Audience

Financial institution examiners and other specialists who require detailed knowledge of financial institution accounting, auditing, and regulatory capital issues. Individuals who attend this conference should have a basic level of knowledge of financial institution accounting, auditing, and regulatory capital issues and relevant job experience.

Continuing Education

Annually the conference is assessed and submitted for Continuing Professional Education (CPE) accreditation through National Association of State Boards of Accountancy (NASBA).

The ABA is dedicated to promoting the highest standards of performance and ethics within the financial services industry. The 2026 session of the Financial Institution Accounting Specialists Conference has been approved for 22.25 CERP, 22.5 CRCM, and 4.25 CSOP credits. This statement is not an endorsement of this program or its sponsor. The program will be submitted for accreditation review on a session-by-session basis.

2026 Approved Credit Hours: 18.5

Fraud Investigation Techniques for Examiners provides examiners with a fraud examination background enhanced skills in interviewing, documenting, tracing, and managing fraud-related cases. A complex case study will comprise the bulk of the instruction. The class facilitators consist of senior examiners with fraud investigation experience, supplemented by guest speaker presentations.

Content is designed for examiners with existing foundational skills and knowledge.

The length is four days.

Objectives

Upon completion, participants should have developed their skills in the following areas:

• Fraud and suspicious activity detection.
• Interviewing.
• Documentation and organization; and
• Tracing activity and investigation techniques

Target Audience

The course is for safety and soundness examiners who have a fraud investigation background or others who are involved in investigations. 

Prerequisites

Participants should have been involved in an investigation prior to taking this course. Examiners are required to take either Fundamentals of Fraud or the FDIC Fraud Detection Simulation (available to FDIC examiners), or a similar course with a concentration on tracing skills. This prerequisite may be waived if the participant can demonstrate significant fraud investigation experience as an examiner or investigator. The experience should be specific to transaction testing and funds tracing.

Pre-Course Assignment

Participants are required to review case study documents prior to attending in preparation to actively participate in the interactive case study. The estimated review time is three hours.

Pre-Course Assignment

Participants are required to review case study documents prior to attending in preparation to actively participate in the interactive case study. The estimated review time is three hours.

Continuing Education

Annually the class is assessed for continuing professional education credits.

2025 Approved Credit Hours: 36 

Objectives

Upon completion, participants should be able to:

• Describe the basic types of fraud.
• Research transactions and trace funds.
• Identify potential red flags related to the fraud types discussed in the class.
• Identify and manage documents.
• Explain the requirements for filing Suspicious Activity Reports (SARs).
• Explain the effects of fraud on a financial institution’s risk profile.

Target Audience

The course is intended for safety and soundness examiners with a minimum of 18 months of examination experience with a need for skills in transaction testing and funds tracing. 

Pre-Course Assignment

The pre-course is recommended reading. The estimated completion time is two hours.

Continuing Education

Annually the class is assessed for continuing professional education credits.

2026 Approved Credit Hours: 34.6

Objectives

Upon completion, participants should be able to:

• Assess the impact of fiduciary activities on a financial institution and apply the uniform interagency trust rating system.
• Evaluate compliance with governing laws and fiduciary principles.
• Analyze operations and internal controls and assess adequacy of audit coverage of fiduciary activities.
• Assess the adequacy of processes related to investment of funds, including some unique asset holdings and non-traditional investment products and services.
• Identify risks in fiduciary activities and assess the adequacy of risk management practices.

Target Audience

The course is intended primarily for examiners. This course may also be useful to supervisors or other staff that need a general understanding of the fiduciary business. Prior participation in a fiduciary examination is helpful but not required.

Pre-Course Assignment 

The completion of a pre-course assignment is required to attend this course. The assignment is a series of online training modules and a final assessment. The estimated completion time is 12 to 14 hours.

Target Audience

The conference is directed at IT examiners and safety and soundness examiners with IT examination responsibility as identified by each agency.

Continuing Education Credits

Annually the conference is assessed for continuing professional education credits.

Participants who are seeking to maintain their CISA or CISM certification may self-report for continuing education credit. Refer to the ISACA website for qualifying educational activities and calculating continuing education hours.

The ABA is dedicated to promoting the highest standards of performance and ethics within the financial services industry. The 2025 IT Conference has been approved for 19 CAFP, 19 CERP, 16.25 CRCM, 5 CSOP, 1.25 CFMP credits. This statement is not an endorsement of this program or its sponsor.

2025 Approved Credit Hours: 15.9

Objectives

Upon completion, participants should be able to:

• Apply principles of instruction, and identify learning styles, and other factors that can affect learning.

• Describe common mistakes in giving feedback and learn to provide constructive feedback.

• Identify types of questions, use various questioning techniques, and identify techniques for handling student questions and comments in oral presentations.

• Use effective presentation techniques and foster group dynamics and promote learner participation.

• Apply the principles of classroom management in both a virtual and in-person environment.

   

Target Audience

This school is intended for those who have been selected to teach in agency or FFIEC courses. The course would also be beneficial for those who are creating and presenting internal and external ad hoc training sessions. Priority of attendance will be determined by the individual agency’s training department. 

Pre-Course Assignment

Each participant is required to bring resource materials that can be used as a basis for three class practice instructions.  These practice instructions should be on the same topic. Each participant is strongly encouraged to use a lesson plan or materials from the course the participant is scheduled to teach.  If no lesson plan is available, the participant should bring materials on a familiar topic to develop and present during the school. No lesson plans or research facilities are provided for participant presentations.

Post-Course Assignment

In order to reinforce new skills, the participant should be assigned to teach as soon as possible after completing this course.

Objectives

Upon completion, a participant should be able to:

•  Identify key global organizations and their influence on international banking.
•  Apply current regulatory and market standards specific to examining and supervising U.S. operations of foreign banking organizations or U.S. financial institutions involved in international banking activities.
•  Analyze the major forces driving structural changes in international financial markets and the impact of these changes on the banking community.
•  Define country macroeconomic and financial risks and identify how they may impact the soundness of a global financial institution.
•  Relate major components of Basel standards to the influence on international financial markets and global supervision.
•  Recognize global loan underwriting risks in the international market and mitigating underwriting standards and risk management.
•  Evaluate trade finance activity and risk management in a global financial institution.
•  Define foreign exchange (FX) risk, determine factors that influence exchange rates, and identify the mechanics in the FX spot trade market.

Target Audience

The course is specialized and intended for examiners with supervisory responsibilities of U.S. financial institutions involved in international activities and U.S. operations of foreign banking organizations. 

Prerequisites

Examiners who have limited international banking experience are required to complete the FFIEC Basic International Banking Self-Study course prior to attending this course. Registration for the Self-Study is separate from the registration for this School.

This prerequisite may be waived if the participant can demonstrate significant international banking experience either as an examiner or banker.

Objectives

Upon completion, participants will be able to:

• Identify the concepts of value and the steps involved in the appraisal process.

• Define various types of value and market analysis.

• Evaluate depreciation and its impact on the value of property.

• Evaluate the Highest and Best Use.

• Evaluate the current condition, functional and economic influences on value.

• Identify and recognize the three approaches to value.

• Introduce CAP rate analysis.

• Examine the Uniform Standards of Professional Appraisal Practice (USPAP) and Appraisal Regulatory Guidelines.

• Assess the valuation of real property, personal property and business evaluations.

Target Audience

The school is for examiners who have basic knowledge in reviewing and analyzing commercial real estate. 

Pre-Course Assignment

The pre-course is recommended reading.  The estimated completion time is two hours.

Objectives

Upon completion, participants should be able to:

• Apply relevant regulatory guidance in the assessment of a financial institution’s liquidity position, funding management, and liquidity risk management practices.
• Utilize static and dynamic ratio and cash flow analysis in the assessment of a financial institution’s liquidity position and strategy.
• Analyze and determine how financial institutions forecast, control, and stress test their liquidity sources and uses both on and off-balance sheet.
• Describe the importance of implementing stress testing using proper assumptions in liquidity management and contingency funding plans.
• Assess the adequacy of a contingency funding plan and availability of back-up liquidity sources in various scenarios.
• Determine and support the Liquidity (L) component of the CAMELS rating.
• Identify trends in the market that may impact liquidity access and funding availability for community and regional financial institutions.

Target Audience

The course is intended for those who examine community and mid-size financial institutions and seek refresher knowledge in assessing liquidity risk, liquidity risk management, and assigning a rating to the Liquidity (L) component of CAMELS. Examiners who have attended their agency’s pre-commission training should wait a minimum of five years before attending this workshop.

Capital markets specialists are not the intended audience for this course.

Pre-Course Assignment

Pre-course reading assignments and viewing three online videos is recommended. The estimated completion time is two to four hours.

2026 Approved Credit Hours: 31.5

Objectives

Upon completion, the participants should be able to:

• Explain how an (ALM) model is used to measure interest rate and liquidity risk.
• Assess model input and setup.
• Verify data integrity.
• Recognize the importance and limitations of modeling in the decision-making process.
• Recognize the importance of conducting sensitivity analysis of key modeling assumptions.
• Discuss the regulatory perspective on governance and controls relative to asset liability modeling processes; and
• Assess the adequacy of a model in the context of balance sheet complexity.

Target Audience

The target audience for this class consists primarily of experienced community and mid-to large-size financial institution examiners who are capital markets subject matter experts or are regularly involved in or conduct a significant number of ALM reviews of in-house modeling in larger, more complex institutions who need to understand the model’s mechanics. 

This is not a course for generalist examiners expecting ALM model output analysis nor is it a course on large bank modeling and will not cover the Liquidity Coverage Ratio (LCR) or Dodd-Frank Act Stress Testing (DFAST).

Pre-Course Assignment

Participants must log into the model prior to class using a laptop.