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Ken Otsuka

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ARTICLES

Mobile Risk

Mobile Devices Present Workplace Risks

Examine your CU’s vulnerabilities and shore up security where needed.
September 4, 2012
Ken Otsuka
No Comments
The convenience of mobile devices comes with a down side—significant security risks.
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E-Statements: Comply With E-Sign

Failure to comply significantly increases a CU’s loss exposure under Reg E.
August 11, 2011
Ken Otsuka
No Comments
Members must 'reasonably demonstrate' they can access e-statements in the electronic format to be used.
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Expect Greater Impact From Online Banking Fraud

CUs’ luck may be running out on the online fraud front.
April 4, 2011
Ken Otsuka
No Comments
Online banking fraud has escalated to a top concern throughout the financial services industry.
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View All Articles by Ken Otsuka
May Cover

Credit Union Magazine

• May digital edition

May 2013

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Recent Discussion

In remembering Warren, the first thing I think of was his smile. He was a gentle, caring man who always thought of others first. I was honored to be a part of the MiOpportinidad project with Affinity Credit Union, Warren and Miriam. His hard work and dedication to that project was inspirational. Warren so deserves this award.

The author really understands the credit union philosophy and I really enjoyed the analogy of his bathroom remodel. The only thing missing was pictures of the finished bathroom! :)

Thank you Phillip for showing the differences between a Big Bank that is only looking to sell you products and a Credit Union that actually looks out for its members needs. Great article!

I love and give a standing ovation to Ron Kase and to other caring people just as much as those who passed away on 2012 like Warren Morrow at Des Moines Iowa. He worked hard for those who are under-served an under-represented, but wasn't mentioned in your magazine. It may be beneficial for the entire world to know about his accomplishments no for his benefit, obviously, but to increase the number of positive and caring people and to add members the CU. Just ask Coopera Consulting at Des Moines Iowa about Warren Morrow's legacy.

That’s right Lisa. The servicing rule would not require a credit union to create its own policies and procedures if all aspects of the servicing are delegated to a sub-servicer. However, remember that the credit union will have to conduct due diligence on the sub-servicer to make sure it is following the minimum requirements for policies and procedures. Unfortunately, even those credit unions that use a third party servicer will need to have a working knowledge of the CFPB’s servicing rule.

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