Articles by Patrick Totty

Tell, Don't Sell

CUs boost income with member-friendly investment and insurance services.
May 27, 2013
'Fees' not necessarily a four-letter word when linked with member-friendly services.
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Tools of the Trade

Safeguarding Members From Fraud

Despite CUs’ best efforts, fraudsters continue to catch people off guard.
May 11, 2013
Fraud—the intent to trick people out of their wealth—is as old as humanity.
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CRM: ‘The Great Differentiator’

Software helps CUs use service as a selling point.
March 8, 2013
Staff buy-in is crucial for making CRM systems effective.
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Tools of the Trade

More Regulatory Pressure in Store for CUs

CUs are at the intersection of regulatory pressure and operational complexity.
March 1, 2013
Pay close attention to dotting regulatory i’s and crossing compliance t’s.
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Compliance Raining on CUs’ Mortgage Parade

Mortgage demand grows at CUs, but so does the related compliance burden.
February 6, 2013
It is an era of mixed blessings for CUs and consumers.
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Tools of the Trade

Identify the Signs of Financial Stress

Credit risk management tools help CUs make loans to high-risk members.
January 4, 2013
CU's not doing credit risk management faces risks—either criticism from regulators or danger to the bottom line.
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Subprime Auto Loan Market Holds Promise

But be careful and don’t stray too far from your current membership base.
November 23, 2012
'To do it right, credit unions need to hire experienced people to work with them on entering the subprime market.'
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Tools of the Trade

Mobile Offers Opportunities, Threats

Mobile services improve member satisfaction but raise new risks.
October 1, 2012
How big are those risks? It’s hard to tell.
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CUs Snowed Under by Compliance Burden

Core processors help CUs dig out from under the regulatory avalanche.
September 1, 2012
The pace of regulatory change in the credit union movement today is unprecedented.
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Boost Returns on Your Human Capital

New performance-management and appraisal tools help CUs find staff with the right skills.
August 13, 2012
Hiring, training, developing, and compensating employees accounts for 53% of expenditures at most companies.
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CU Mag cover July 2014

Credit Union Magazine

July 2014

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