Articles by Patrick Totty

CUs Face Compliance Tidal Wave

Compliance solutions help CUs swim instead of sink.
Patrick Totty
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Compliance requirements will cost U.S. financial institutions $30 billion through 2012.
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Build a Solid Mortgage Foundation

Tumult in the mortgage market creates opportunities for stable CUs.
Patrick Totty
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Vendors see mortgage opportunities for CUs--ones the big banks and mortgage brokers let slip away.
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Boomers Look for Advisers

Failing to capture baby boomers' retirement assets could deal a big blow to CUs.
Patrick Totty
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Failing to capture baby boomers' retirement assets could deal a big blow to CUs.
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Be a Master of Disaster Planning

Business continuity requires a broader definition of 'disaster.'
Patrick Totty
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The term "business continuity" equates to "disaster avoidance."
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Raise Gift Cards Above the Clutter

Offer something unique that inspires members to buy CU gift cards.
Patrick Totty
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Promote gift cards to SEGs to use as bonuses or spot awards.
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Gift Cards Go Mainstream

CUs cash in on gift cards’ convenience and contemporary designs.
Patrick Totty
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CUs cash in on gift cards by using offerings and insights from CU-oriented vendors.
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ALM Goes to the Front of the Line

Regulators are coming down on CUs that don't do thorough ALM.
Patrick Totty
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For most credit unions, asset/liability management (ALM) has been a “get in line” topic: Get in line behind security, marketing, loan origination and tracking, member relationships, and a host of other pressing matters.
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Credit Cards: Keep a Lid on Losses

Pay attention to your products, the market, and regulations to maintain high credit quality.
Patrick Totty
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Pay attention to your products, the market, and regulations to maintain high credit quality.
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Protective Patterns

New innovations in biometrics manage access control and staff attendance.
Patrick Totty
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Even with advanced technologies such as retinal scans, fingerprints remain the staple biometric identity authentication.
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Comply or Die

Don't skimp on compliance, especially as it relates to security.
Patrick Totty
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Think you can put off data security compliance to stretch a limited operating budget? Think again.
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