Marketplace Newsletter

In this issue:

3 Ways Real Time Payments Are Impacting Your Financial Life (Whether You Realize It or Not)

Engage: The Federal Reserve’s FedNow℠ Service 

3 Ways to Stay Ahead of the Retirement Technology Curve

How Credit Union Leaders Can Mitigate Risk with Big Data and Machine Learning

Is Your Overdraft Partner Proactive or Reactive?

Millenials Value Trust and Want it All When it Comes to Credit Cards

New Sprint Credit Union Member Cash Rewards Offer

Upcoming Webinars

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3 Ways Real Time Payments Are Impacting Your Financial Life (Whether You Realize It or Not)

You may have recently heard that the Federal Reserve plans to launch a real time payment service by 2024—but if you’re like many consumers, you may be left scratching your head at what that actually means for your financial life.  While the term “real time payments” isn’t typically used by the average consumer, you may already be an “early adopter” of the most innovative money movement capability to hit the United States in decades (whether you realize it or not!).

Here’s a closer look at what real time payments entail and three ways they impact your financial life.

A Real Time Payments Primer

If you’ve ever moved money using a service like Zelle, People Pay or PayPal’s “Instant Transfer,” you may already use real time payments—without even realizing it. Real time payments are a newer concept in the United States, but they’re used widely around the globe and have been for years. In fact, when the Federal Reserve launches its recently announced real time payments system in 2024, it will be the second arrival in the U.S. The first United States’ real time payments rail, RTP, launched in late 2017 and now connects about half the U.S.’ banks and credit unions. With two real time payment rails, it’s likely that we’ll see more financial institutions of all shapes and sizes connect to at least one them, which should expedite the adoption of real time payments and expand the number of ways they can be used by consumers, businesses and banks.

Here are three ways real time payments will impact your financial life:

1.You Can Pay Anyone Using the Info You Already Have

In the context of moving money from one person to another, real time payments use an email address or a phone number; there is no need to exchange sensitive information, like a bank account number to transfer funds. And because the infrastructure that’s moving the money operates in real time, payment happens immediately. Whether you’re a freelance web designer who wants to receive immediate payment from a client, a dog owner who needs to send cash to the pet sitter to make sure Fido gets his walk, or a tenant who needs to pay your roomies for half of the rent, real time payments enable immediate payments using the phone number or email address you already have, for the person you want to pay.

2.Waiting for Money Will Be a Thing of the Past

As real time payments adoption increases, expect more sophisticated use cases to emerge well beyond simply moving money between people. In fact, a Citizens Bank survey revealed that 90% of businesses expect that real time payments will “dramatically transform” the way business is done.

Consider how real time payments could transform the experience of receiving payment for an insurance claim, as just one example. Suppose your roof is damaged in a severe storm. As it stands today, you’d probably file a homeowner’s insurance claim with your insurance company as a first step. Assuming that claim is verified and payout for repairs approved, you may then wait several days to receive the check to complete the repairs.  Because you don’t want to call a roofer to do the work until you know you can pay the bill, you wait to schedule repairs until the check arrives in your mailbox, and you’ve had time to deposit it at your bank and wait a day or so for the funds to settle. When the roofer does come to fix your roof, you write him a check. Even more time passes until he makes the deposit into his account, and the cash comes out of yours! That’s a lot of steps to fix one roof!

Now consider that same scenario, in a real time payments context. Your insurance company could transfer funds to your bank account instantly, as soon as the payout is approved. When your roofer completes the work, he can text or email you an invoice for the work; you immediately transfer funds to him for payment from your phone as you assess his work from your front yard. The whole process is drastically improved, for all involved.

3.Your Payments Will Be Even More Secure

By definition, a real time payment moves funds immediately, as soon as the transfer is initiated. Time adds considerable value when it comes to stopping payment on a fraudulent check or intercepting a suspect debit or credit card transaction—despite that these forms of payment aren’t as convenient as an instant payment. Real time payments demand real time fraud prevention.  There is, quite literally, no room for error.

Real time payments are in many ways, a new frontier in financial services—especially in the U.S.  Rest assured, fraud prevention and management is a top priority in the real time payments space; this is why use case roll out has been relatively slow, cautious and mostly targeted to small value transactions. Together, the financial ecosystem will determine a fraud management solution that protects all involved and delivers the benefits real time payments offer, but like any innovation, it’s a work in progress.

Real time payments are a relatively new concept in the U.S. financial system, but we’re only seeing the tip of the iceberg in terms of their practical application, and the value consumers, banks and corporates could experience as a result of them.

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Engage: The Federal Reserve’s FedNow℠ Service

Credit unions have an opportunity to engage in the planning of a major development in the payments industry—the Federal Reserve’s real-time FedNow Service. Here is a quick primer on the FedNow Service and ways for your credit union to get involved with the Fed’s faster payments initiatives.

What is the FedNow Service?

The FedNow Service is a 24x7x365 real-time gross settlement service that the Federal Reserve is developing, with hopes of implementation in 2023 or 2024. The FedNow Service will allow financial institutions of all sizes across the country to offer real-time payments to their customers/members, and is designed primarily for use in retail and small dollar transactions (~$25,000). It will allow payment from originator to beneficiary and settlement between financial institutions in real time (instantly or within seconds) at any time day or night. The FedNow Service is the result of the efforts of the Federal Reserve’s Faster Payments Task Force. The Fed is asking for input from all participants in the financial industry on the desired features for the FedNow Service.

What are the public benefits of the FedNow Service?

The Fed has stressed three primary public benefits of the FedNow Service:

1. Accessibility. Available to financial institutions of all sizes, in all areas of the U.S., to provide broad access to faster payment services.

2. Safety. Safety benefits include fraud mitigation standards, liquidity and continuity provided by the Fed in times of crisis, and resiliency through redundancy if FIs utilize both the FedNow Service and ACH.

3. Efficiency. The FedNow Service is part of the innovation of faster payments, and increased innovation and competition can yield better services and prices for faster payments.

Will the FedNow Service replace ACH or Fedwire?

The Fed’s goal is to have the FedNow Service offered alongside ACH, and FIs can choose whether to have both systems. Participation in the FedNow Service would be voluntary for FIs. Fedwire would also continue alongside the FedNow Service. Fedwire would continue to primarily serve large transactions between businesses or FIs, while FedNow would primarily serve consumers and small businesses for smaller transactions (~$25,000) in the retail space.

How does the FedNow Service work? Originators (consumers or business) will initiate a payment with their FI using messages based on the ISO® 20022 standard. Settlement between the originator’s FI and the beneficiary’s FI would be made through the FI’s Fed Reserve account. Existing Fed Reserve accounts would be used; no new or additional Fed accounts would be necessary.

What about the faster payments efforts for Fedwire and the National Settlement Service?

The Fed is also exploring the expansion of the hours for the Fedwire Funds Service and National Settlement Service, perhaps also to 24x7x365. Credit unions can also have input into these improvements.

How can credit unions get involved with the development of the FedNow Service?

  • · Attend a Fed webinar or conference, or invite the Fed to meet with you. The Fed will hold a webinar on September 9 to share information about the FedNow Service. You can also invite the Fed to attend a credit union conference, or request a meeting. The Fed recently spoke at our League’s Fraud Peer Networking Group and provided valuable information and insight into faster payments and other Fed initiatives. For more information about Fed webinars and events, visit https://fedpaymentsimprovement.org/events/fed-events/
  • · Become involved with the Fed’s FedPayments Improvement Community. Help to ensure that credit unions are heard in the Fed’s initiatives.

Learn more at https://fedpaymentsimprovement.org/engage/community/. Please don't hesitate to email us at [email protected] or contact your Regional Director if you have questions regarding this blog post.

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3 Ways to Stay Ahead of the Retirement Technology Curve

Every day, your employees experience online environments that exemplify speed and convenience. Consumers no longer simply prefer accessible and personalized digital experiences – they expect them. Is your credit union’s employee retirement program keeping up? Here is how you can better leverage advances in technology to take your employee retirement program to the next level

1. Upgrade your retirement income calculator

 Most retirement websites feature some type of retirement calculator, but they’re not all equally effective. If the default display emphasizes total amount saved to date, you may be missing an opportunity. Switching the default view to show the monthly retirement income the account is currently projected to generate may appear more attainable to plan participants than a lump sum, especially to younger employees.

But the switch to emphasizing monthly retirement income is just the first step. The next is to make it easier for users to understand how to adjust that amount. For example, CUNA Mutual Retirement Solutions offers its 401(k) plan participants a tool that prominently displays the projected monthly income and three main levers that can affect that amount:

  • Contribution percentage
  • The target percentage of current income that will be replaced by retirement assets
  • The year the employee intends to retire

Adjusting any of these levers shows users in real time the effect on their projected monthly income and whether they’re on target to reach their retirement goal. Being able to analyze this level of detail boosts engagement and allows participants to feel in control of their retirement.

2. Offer a mobile app that improves access, communication and engagement

According to the Plan Sponsor Council of America (PSCA) 2019 annual survey, more than 43% of surveyed employers offer plans that use mobile technology.*

If you haven’t already, work with your retirement plan provider to offer participants an app that’s specific to your retirement program. A dedicated app gives you a versatile communication channel that helps employees engage with their retirement plan anytime, anywhere. Advanced fingerprint or facial ID logins can add an extra layer of security. 

3. Use actionable data insights to target messaging and measure plan success.

Today’s data and analytics capabilities can give administrators important advantages, including:

  • More frequent data updates that help you track the immediate and long-term effects of program changes. This informs planning strategies, such as the amount of matching funds to set aside. Historically, plan administrators have received updated data about participation rates, contribution percentages, investment allocations and retirement outcomes semi-annually. But today, this data can be updated every pay period, so you can react more quickly if necessary.
  • The ability to direct messages to specific audiences and assess responses. It’s easier than ever to deliver personalized messages to your participants, then measure how your messages are received. You can even link data, such as email open rates, to changes in contribution percentages, and adjust tactics accordingly.

Keeping up with digital technology advances has become imperative. Keep your employees engaged with their retirement plan by making sure your retirement plan is up to speed. 

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How Credit Union Leaders Can Mitigate Risk with Big Data and Machine Learning

In an era of evolving card fraud threats and data breaches, credit union leaders are constantly looking at ways to protect themselves, and their members. One of the biggest problems credit unions face today is relying on traditional network alerts, which can be costly in terms of fraud loss and member experience. Reducing the time from when an incident occurs to when it’s detected is critical in containing the spread of fraud threats.

Mitigating risk and serving your members starts with determining how sophisticated machine learning and data analytics tools can be used to identify and act on fraud sooner. These tools provide your fraud team with actionable insights into the greatest risks across your card portfolio — and how to prioritize them.

Why Today’s Threats Call for Better Data-Driven Tools

Data breaches and emerging fraud tactics are ramping at new levels, which means your members are at greater risk than ever before. This is especially true as fraud threats focus on PII information. To combat these growing threats, a credit union leader must have the tools to know what their fraud prevention performance looks like on a daily basis.

Rippleshot’s research indicates that early breach detection can stop 60% of fraud losses. Machine learning technology that relies on data pattern analysis empowers a credit union leader to better understand relationships and trends as leading indicators of certain outcomes.

Too often, by the time information about fraud or a breach is realized, the amount of fraud loss and compromised card fraud has already reached high levels. Credit union leaders should consider employing machine learning-driven data algorithms to identify how to achieve better results for themselves and their members. Of course, there are a few key issues that often prevent credit unions from adequately addressing this problem.

  • Lacking Access to Adequate Big Data: Most credit unions don’t have enough data to fight fraud effectively as it is not easily accessible. It’s important to ask more from your processors.
  • Privacy Challenges: Consumer and personal identifiable information is very sensitive to financial institutions.
  • Lacking Resources: Credit unions can be strapped for IT resources, making technology implementation challenging.
  • Making Data Actionable: Data analytics need to be clearly actionable and deliver measurable ROI results.
  • Keeping Pace with Algorithms: Fraud and fraud patterns evolve and change more rapidly than financial institutions can keep pace.

How Machine Learning and Big Data Addresses These Gaps

Fraud and fraud patterns are evolving so rapidly that financial institution leaders are challenged to keep up with the pace of change. Better data analytics tools that rely on machine learning bridge the gap for fraud teams by helping them detect incidents faster, and at their source. The very nature of machine learning is to use the data it is processing and adapt to changing trends or relationships identified by that data. Detecting and mitigating fraud to manage risk involves in-depth data analysis to understand relationships and trends, and to pinpoint where and when the fraud originated. Fraud teams can no longer rely on manual analysis of network alerts to get the job done.

Relationships and trends are becoming leading indicators of outcomes (like fraud). As these leading indicators emerge in new data, outcomes can be predicted and acted upon. A data analytics approach equips issuers with the tools to understand what’s happening across their own card portfolio — and how to detect risk. But you need access to that data — and be able to make sense of it all. Applying sophisticated data analysis, machine learning and algorithms to identify relationships and trends in transaction and fraud data can be used to proactively identify leading indicators of certain outcomes (e.g., How far fraud might have spread, or will potentially spread).

As financial institutions continue down their digitization transformation — and invest in innovative technology — this opens the floodgates for more touch points for fraudsters to breach. Thanks to machine learning, the digitization of data and artificial intelligence, credit union leaders have access to the infrastructure and industry-leading tools necessary to fight fraud — if they’re willing to invest money where it counts.

Rippleshot is a portfolio company of CMFG Ventures, a subsidiary of CUNA Mutual Group. To learn more about Rippleshot and other Ventures investments, go to www.cmfgventures.com or contact your CUNA Mutual Group Sales Executive at 1-800-356-2644.

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Is Your Overdraft Partner Proactive or Reactive?

We schedule routine inspections for our cars. We protect our homes against unforeseen events. We visit the doctor and dentist regularly for checkups. And we attend parent-teacher conferences every school year. We all engage in preventive and proactive measures in our personal lives to avoid expenses, worries and problems down the road—so why should you expect to do otherwise when it comes to your overdraft program?

Proactive support from a vendor means ongoing review and reporting from Day 1. For overdraft services, it’s critical you receive this type of preventive support in order to save your credit union from compliance headaches, member confusion and stagnant (or lost) revenue. 

The Important Questions to Ask

Is your overdraft partner proactively supporting you, or simply reacting to issues? Ask yourself:

  • Am I confident that we are running a 100% compliant overdraft program?
  • Am I in frequent communication with our provider?
  • When was the last time I met with our provider?
  • Am I receiving new program recommendations?
  • Can staff communicate confidently with members about our program?
  • Am I sure we’re paying a fair rate to our overdraft consultant?
  • Are members using the program and understanding its benefits?
  • Are we seeing steady revenue from our overdraft program?
  • Is the program offering additional value?

If you answered, “No,” to any of the above questions, the root cause may be the lack of a fully disclosed, fully compliant overdraft program—the heart of which is ongoing monitoring and preventive maintenance.

The Essential Benefits of Proactive Service

A proactive overdraft partner isn’t just nice to have—it should be the norm. The benefits you’ll reap from ongoing monitoring and maintenance of your overdraft program are abundant and include:

  • Compliance assurance. Never worry about regulatory concerns when your partner offers a 100% written compliance guarantee. Frequent check-ins and pre-emptive guidance from your representative give you the ability to craft compelling communications that meet UDAAP and Regulation E rules and requirements.
  • Expert oversight. Monthly reports, quarterly discussions and yearly reviews with your representative keep you abreast of regulatory changes, technological advancements and new things to consider, with expert recommendations to drive your overdraft program forward.
  • Training opportunities. Continuous learning is one of the most effective types of preventive maintenance, helping to reinforce best practices and take your program to the next level. A partner that offers a number of training opportunities, from online webinars to on-site and in-person training, clearly has a proactive approach in mind.
  • Contingency pricing. An overdraft consulting partner with contingency-based fees means they don’t earn money unless they make you money. With this structure, you’ll always feel you’re paying a fair rate and your representative is sure to be staying on top of your account at all times. This structure shows you are truly in it together.
  • Member satisfaction. When an overdraft program takes the initiative to evolve and change to meet the needs of members, they in turn will continue to rely on your service and develop trust in your credit union. This results in increased loyalty and retention.
  • Measurable results. Ongoing monitoring lets you capitalize on opportunities as well as adjust to make corrections early. Both of these lead to results you can measure and continuous movement forward.

In short, your overdraft partner must provide you, their client, with an exceptional experience before, during and especially after implementation, so that you may do the same for your members—while simultaneously growing your credit union.

Learn how JMFA NEXT GENERATION OVERDRAFT PRIVILEGE® has helped other credit unions like yours grow with custom overdraft protection programs that feature proactive, ongoing monitoring and support. Then, get a free analysis of your own overdraft program’s potential. If you’re not getting the service mentioned above, it’s time to consider a new overdraft partner. 

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MILLENNIALS VALUE TRUST AND WANT IT ALL WHEN IT COMES TO CREDIT CARDS

CO-OP Financial Services’ Latest Whitepaper Outlines How Credit Unions Can Maximize Their Credit Cards to Boost Usage Among America’s Fastest Growing Segment

A new CO-OP Financial Services white paper finds the attitudes and access of Millennials to credit cards are changing, just as they are approaching their prime spending years and credit cards remain a favorite way to transact.

For credit union issuers, the convergence of these trends presents several opportunities, chief among them to earn the trust and positively impact the financial health of America’s fastest-growing consumer segment.

To-date, Millennials have not found it easy to obtain credit. Many graduated college with record student loan debt. They were also denied the access to credit enjoyed by prior generations, due to Credit CARD Act regulations. In fact, the thin credit histories of the nation’s Millennials is often cited as one reason the segment has been faster to adopt digital payment apps.

The CO-OP whitepaper “What’s in the Cards for the Millennial Market” reports, “While their entry into the credit card market has been relatively slow, the Millennial generation is finally advancing financially – and as a result, many are opening credit card accounts.”

To help credit unions position their cards as the most attractive option, the white paper explores several macro themes while also providing key takeaways, including:

How Millennials view financial institutions: They expect credit unions and banks to provide leading-edge digital capabilities. Mobile deposits, P2P and digital wallets are a must as far as Millennial consumers are concerned.

Seven things Millennials want from a credit card program: 24/7 digital access, personalization, mobile apps with controls and alerts, simplicity, rewards, security and expert advice from the issuer are essentials in the eye of a Millennial cardholder.

Courting the Millennial cardholder: Credit unions are perfectly positioned to woo Millennials away from banks due to their lower fees and the exceptionally high satisfaction scores. The white paper includes five strategies for attracting Millennial cardholders.

Bridging the generation gap: The needs of Millennial cardholders will change as their financial journeys progress. To successfully grow and enrich relationships with this segment, it’s important to continuously analyze portfolio performance and add new features relevant to the Millennial segment. To assist, CO-OP’s SmartGrowth team applies a data-driven approach to spotting micro and macro-level trends and provides credit union card teams with record-level data for smarter, more informed decisions.

Credit union leaders can access the white paper for free here.

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New Sprint Credit Union Member Cash Rewards Offer

Effective September 6, 2019, an updated Sprint offer was launched and we are confident that it will continue to enable credit unions to better serve your members by offering them the best Sprint offer available in the marketplace.

Updated Offer Details

  • $100 cash reward for each new line activated with Sprint (up to 2 lines total)
  • $100 annual loyalty reward
  • 25% off select accessories in Sprint stores

PLUS

  • Lines 3, 4 and 5 are FREE
  • Save $800 your first year over Verizon
  • 100% Total Satisfaction Guarantee – try Sprint for 30 days or your money back

Updated marketing materials have been added to our Partner Center. If your credit union is using our HTML coded Sprint web banners, there is nothing you need to do as the banners have automatically been updated on September 6 to reflect the new Sprint offer. If your credit union is not using HTML coded banners, or if you have messaging on your website promoting the old offer, please visit our Sprint Offer Hub for updates that may be needed on your website.

As a reminder, it is always best to use fresh marketing materials for newsletters, emails and other communications to ensure your members are always aware of the current offer.

We’re here for you every step of the way. Whether it’s to answer a question, or help you plan your Sprint marketing, feel free to reach out to our Client Services team at [email protected].

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Upcoming Webinars

To register for any of these webinars, please go to https://www.cunamutual.com/resource-library/webinars

Tough Conversations

10/29/2019 1:00PM (CST)
As a coach, you can often find yourself faced with a tough conversation. How you handle these conversations will ultimately impact employee performance. Implement a proven model that will both change employee behavior and maintain a good working relationship.
Lending Resource Centers/Live Events

Skills in Action: Confident Conversations - Consultative Questions

10/30/2019 10:00AM (CST)
Looking for a quick and focused learning opportunity to put into practice the knowledge and skills you have? This interactive, learner-driven session gives you the opportunity to take a deeper dive into asking consultative questions, going beyond the questions on a standard application. You’ll work through a member scenario with lending peers and will walk away with an effective consultative questioning strategy, helping to uncover information about your member’s needs.* Registration is limited to 30. If the session is full, register to be placed on a Wait List.
Lending Resource Centers/Live Events

Effective FeedForward

10/31/2019 8:00AM (CST)
Do you enjoy giving or receiving feedback? Many people feel feedback is reactionary and negative. Revolutionize the way you coach by providing specific, actionable comments that are focused on enhancing future opportunities.
Lending Resource Centers/Live Events


November

Member Focused Conversations: Guide with Confidence, Part 1

11/5/2019 8:00AM, 10:00AM, 1:00PM (CST)
Your members expect to be educated and guided through each step of their financial journey. There is no way to tell when an unexpected life event may occur, and it can have an immediate impact on their financial well-being. In Part 1, we’ll play The Money Game which allows you to see the impact of a disability or death on a member and their family and the difficult decisions they may need to make during an already tough time.
Lending Resource Center/Live Events

Member Focused Conversations: Guide with Confidence, Part 2

11/6/2019 8:00AM, 10:00AM, 1:00PM (CST)
Go the extra mile. Member Focused Conversations, Part 2 focuses on using consultative questions and breaking down each part of a conversational process. It’s all about using the process consistently to provide your members with a customized, needs-based solution. Be committed to being your members' trusted financial consultant. If you don't take the opportunity to guide your members, they will look elsewhere for the guidance they need.*
Lending Resource Center/Live Events

Member Focused Conversations: Guide with Confidence, Part 3

11/7/2019 8:00AM, 10:00AM, 1:00PM (CST)
Part 3 of Member Focused Conversations takes the consultative conversation to a new level. In this session, we focus on personalizing benefits to the member and their unique situation. We will go beyond a generic benefit to pursue a richer more personalized benefit to the member. This will ensure your members see the value and why payment protection is so important. . .to them! Go the extra mile.*
Lending Resource Center/Live Events

Skills in Action: Beyond the Application

11/12/2019 10:00AM (CST)
You’ve asked great consultative questions and gathered important information about your member. You satisfied their current need but was anything missed? This interactive, learner-driven session gives you the opportunity to dive into a member scenario and determine what opportunities exist for your member. You’ll be provided with a member’s background then work with your peers to build a customized loan package.* Registration is limited to 30. If the session is full, register to be placed on the Wait List.
Lending Resource Center/Live Events

Mobile Devices: The Next Frontier for Risk

11/13/2019 1:00PM (CST)
The rapid proliferation of mobile devices and their apps has transformed the way we live, communicate, and work. Defending data on devices is challenging with malicious apps and other risks. Join us to discuss the actions that must be part of your overall security strategy to protect your employees – and your credit union – from this growing danger.
Protection Resource Centers/Live Events

Addressing Concerns: Close the Case

11/14/2019 8:00AM, 10:00AM, 1:00PM (CST)
What if the member asks a question or raises a concern? Don't let this question stop you any longer from educating your members on payment protection. Confidently address four common member questions and concerns related to payment protection.*
Lending Resource Center/Live Events

Loyal Lending, Part 1

11/19/2019 10:00AM (CST)
Part 1 of Loyal Lending - Dig deeper. Learn more. Don't be an order-taker. Use the credit report and consultative questions to go beyond the initial loan request and find additional opportunities to help members reach their financial goals and improve their financial well-being. Be sure to register for Part 2.*
Lending Resource Center/Live Events

Loyal Lending, Part 2

11/20/2019 10:00AM (CST)
Part 2 of Loyal Lending - Dig deeper. Learn more. Don't be an order-taker. User the credit report and consultative questions to go beyond the initial loan request and find additional opportunities to help members reach their financial goals and improve their financial well-being. Be sure to register for Part 1 also if you haven't already.*
Lending Resource Center/Live Events

Skills in Action - Confident Conversations: Personalized Benefit Statements

11/21/2019 10:00AM (CST)
Looking for a quick and focused learning opportunity to put into practice the knowledge and skills you have? This interactive, learner-driven session gives you the opportunity to take a deeper dive into crafting Personalized Benefit Statements. You’ll work through a member scenario with lending peers and will walk away with benefit statements you can use when presenting the payment, package and benefits to the member. Registration is limited to 30. If the session is full, register to be placed on the Wait List.
Lending Resource Center/Live Events

 

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