Small Credit Union Learning Management Service (8/16/2017)


Kathryn Baxter: Good afternoon everyone. Welcome to our August webinar, and during this webinar we’re going to introduce you to our brand-new Learning Management Service. We think you’ll love it. My name is Kathryn Baxter. I am going to be your moderator for today’s event. I’m joined by my partner in crime, Mr. Dominic Carullo. Before I turn the com over to Dominic, let’s go over a few housekeeping items. Please turn your attention to the administrative announcements on your screen. In order to hear this webinar, please adjust the volume on your computer. Also, if you’d like to enlarge these slides, you can use the bottom right-hand side of your screen to enlarge those slides. From this website, please allow pop-ups. Now, we’re going to have a little bit of a different way that we do the webinar today. We want you to ask questions throughout this webinar, because we want you to be engaged in the webinar with us, and we’re not going to have a separate Q&A, per se, at the end. So please ask us questions throughout the webinar using your “Ask a question” feature on the left-hand side of the console. And, also, there is an icon at the bottom of your screen next to your LinkedIn social media icon that is the post-webinar survey. You can access that at the end of the webinar, or you can wait until the webinar is over and one will pop up. And, as always, in approximately three weeks, this is will be close-captioned for on-demand viewing. As I mentioned today, we have a wonderful webinar for you. We want you to learn how to use our Learning Management Service. Dominic Carullo is my partner today. He’s our host. Dom, what do you think about credit unions? Dominic Carullo: You know, Kathryn, I love credit unions. Hello everyone. My name is Dominic Carullo, and it’s once again my pleasure to host the NCUA webinar. This time we will be discussing our brand-new Learning Management Service. Today we have our OSCUI deputy director, JeanMarie Komyathy, with us, and she’ll provide us with a live demo of our Learning Management Service. First, a little bit about JeanMarie. JeanMarie has a Bachelor of Science Degree in accounting from Marist College, and Master’s degree in organizational leadership from the College of Saint Mary. She is a certified public accountant, and a certified fraud examiner. Now, JeanMarie is a 22-year veteran with the NCUA. She served as an examiner, supervisor, and director. She previously served in regions one, two, and four, and the Office of Examination and Insurance. Next, we have my long-time webinar colleague, Vanessa Lowe. Vanessa joined the NCUA in 2008 as an economic development specialist. Before that, she worked for seven years with the Treasury Department’s Community Development Financial Institution Fund, which is also known as the CDFI fund. Welcome Vanessa. Vanessa Lowe: Thank you. I’m happy to be here. Dominic Carullo: Now folks, to learn a little bit more about our presenters today, full bios are available for each of our speakers by clicking on the bio widget at the bottom of your screen. Okay. What we’re going to hear today, you know, first off, our LMS went live on May 8th, 2017, so it’s pretty new. Now, today, we’re going to tell you what the LMS is. We’ll provide you with some of the highlights, and JeanMarie will provide a live demo for your today. Then Vanessa will dig in and discuss the learning benefits of our full courses, and then finally, we’ll turn the console over to Kathryn for our Q&A. Now, please make sure to get your questions in. There is even a good chance today that we may get to your question before the end of our presentation, so get them in and we’re going to try to answer them on an ongoing basis throughout the webinar. Now, what is the LMS? NCUA’s Learning Management Service provides volunteers and staff with relevant training courses and resources on a number of regulatory, strategic, and operational areas. Instead of having to look for resources scattered on different pages of our website, we’ve consolidated these materials and resources into a single area so that you can access them quickly and easily. Going forward, the Learning Management Service will be the primary method the NCUA will deliver essential training to the credit union community. Now, to view a brief tutorial of our system, you can click at the bottom of this slide. Now that’s once you’ve downloaded the slides. Of course, we don’t want you to do that now. The link is also available on our LMS under the “Help” link, and JeanMarie is going to tell you a little bit more about that as we move forward. Our Learning Management Service gives you full access to training courses, as well as individual — or excuse me, as well as information beneficial to credit union operations. The service is provided at no cost to credit unions. The service is absolutely free. Our Learning Management Service provides one-stop training for officials, management, and staff. Our system provides immediate access to videos, webinars, and training resources. It contains full courses, which Vanessa is going to discuss a little later on. You can earn certificates of completion for successful completion of our full courses, and, finally, our service provides course suggestions based on your function at the credit union. Now, this is based on information you provide when you create your news user account. Even though we just launched this service back on May 8th, we’ve experienced some fairly brisk usage, as you can see here on screen. Now, we are confident these number will grow as we increase content, and as word spreads about this valuable free resource. So, please, spread the word. All right, it’s time to get our audience involved. Here is our very first poll question. What is your credit union’s asset size? Please click the circle that applies to your credit union. And by the way, if you’re in the audience and you don’t you’re not with a credit union, just kindly click the N/A button. Now, while we’re waiting for our audience to answer, do we have any questions yet, Kathryn? Kathryn Baxter: You bet we do. We have a question. And I’m glad this audience member sent this in. One of our credit unions said that they set up a new account but never received their confirmation e-mail. And so, for those of you who may have done the same thing, we do have our technical support on that right now, and we will update you as soon as possible. If you do have that problem and you haven’t gotten your confirmation, please send me an e-mail at [email protected]; that’s one word, oscuitraining — one word — @ncua.gov, and we’ll make sure to get you in. Thanks a lot for that question. Dominic Carullo: Okay, Kathryn, thanks so much for that. All right. What is your credit union’s asset size? You know, we have a pretty big spread here. We have about 20% of the folks in the audience who are with smaller credit unions, less than 10 million; about 45% between 10 and 50; 20% between 50 and 100; and we have some big guys out there. We’ve got 10% over a hundred million. So, it’s a big spread out there. And, folks, like I said, if you have some of your colleagues that aren’t on this webinar, please spread the news about the resources we have here. This LMS service is really useful, and I think you’ll find it very useful for you and all the officials and staff at your credit union. And with that, I’m going to turn the console over to JeanMarie, who is going to provide us with a live demo. JeanMarie Komyathy: Thank you, Dom. I’m glad to be here. During this portion of the webinar, I’d like to take you on a tour of the Learning Management Service site. If you’d like to see a full-screen size, please click the four arrows at the top of your slide and that will move you to full-screen view. And, as Kathryn said earlier, please feel free to ask questions any time during this demonstration. We will try to answer them as we’re going through. So, we’re starting today at the home screen of the Learning Management Service. To return to the screen at any time, you can use the local button on the top left-hand side of the screen and it will bring you back here. I’d like to start by showing you some of the quick links we have on the home screen that are lot located here below the banner. We have a link to our upcoming webinars. If you click on it, it will take you to our NCUA website. We have a link to the complete list of videos, webinars, and resource guides. Anything that’s loaded onto this Learning Management Service is available through this link. We have a link that will take you to “Create an Account,” which we’ll look at a little bit later, and then we have a link to some help for how to use this site. And as Dominic said earlier, our video tutorial is located here on this Help page. Click the link and it will take you out to YouTube and provide a tutorial much like the one that I’m doing today. It’s available for you at any time. Going back to the home screen of our Learning Management Service, what I’d like to do is take you through the buttons that are located at the bottom of the screen. These provide and take you to different areas within the Learning Management Service. First, our training catalog takes you to all of the information and training materials that are available by the time type of material. Vanessa will tell you more about full courses later, but you will also see videos, webinars, and our resources guide. Going back home, we’ll next go to the button labeled “Credit union system.” This gives training that discusses things that are particular to the credit union industry. From here, I want to show you another navigation tool. At any time, instead of using the home button, you can use the menu on the right-hand side, which will either take you home or take you to other areas of the Learning Management Service. Going back to our button, governance is our largest category of training that’s available right now on the Learning Management Service, and this will be of particular interest to senior executives and board members. It’s a lot of information and tools for you to use. Operations is a place that everyone will benefit from. There’s a wide variety of topics and information about many things that are related to running a safe and sound credit union. Products and services, this is where you can find details about particular products or services you offer to your members. Going into our different webinars, our resource guides, and more information will be loaded on as we create more courses. And moving into our last area of partnerships, this is an area that can help you as you’re working with other credit unions, with other organizations, or among yourselves as you’re looking for tools and ways to be better at what you do, running your credit union. So now I’m just going to go back to the home screen and show you how you can create an account and register with our Learning Management Service. As I said, there is a button here that will take you to create an account, or you can use the red log-in button at the top right-hand side. Both will take you to the same area. From here, you want to go down to “Create a New Account,” click the button, and this will give you all of the information that you need to input. You’ll need to select a user name and a password, give us your e-mail address, as well as your name. Since this service is designed for credit unions, we’ll ask for the name of your credit union. When you select one, the charter number will automatically populate and you only need to tell us what city you’re in. We’ll ask you to choose a credit union position. Are you an employee or a volunteer? And depending on what you put in there will determine what your training category is to be offered. So, I selected volunteer, and then I can choose board of director, supervisory committee, or credit committee. From there, you’ll have to answer a security question, and then when you’re done you hit the “Create my New Account” button. Kathryn Baxter: So, JeanMarie, you already have a question. JeanMarie Komyathy: Okay. Kathryn Baxter: All right. You ready? JeanMarie Komyathy: Sure. Kathryn Baxter: So, this is a good question. We have a credit union that wants to know if our system can be accessed by their supervisory committee, but they are a very large credit union. They’re concerned that this is only for small credit unions. JeanMarie Komyathy: Our Learning Management Service is designed for any credit union that wants to access it. So, as long as you are an employee or volunteer with any credit union that’s chartered or insured by NCUA you’ll have access to our service. If we’ve got your charter number in our system, you can use our service. Kathryn Baxter: Awesome. JeanMarie Komyathy: And by the way, Kathryn, we have some wonderful supervisory committee training videos. Kathryn Baxter: We really do. They’re awesome. JeanMarie Komyathy: Highly recommend them. Kathryn Baxter: They’re awesome. JeanMarie Komyathy: Are they awesome? Kathryn Baxter: Did I say awesome or awful? They’re awesome. They’re wonderful. They are pretty good. JeanMarie Komyathy: So, coming back to our tutorial. Once you’ve loaded all the information and hit the “Create My New Account” button, an e-mail will go to the e-mail address you provided, and that will allow you to come in and register your account. Once you’ve done that, you want to go into login and enter your user name and your password and login to the system. Once you do that, you’ll see that the system now has your name at the top here instead of the login button, and one of the benefits of this system is that it suggests courses to you. So, if you hover over the “My Courses” menu, these are all of the things that are suggested to me because I signed in as a board of director. I can also find this list of courses if I go to my dashboard. And that, again, lists all of the courses that have been suggested by the system to me, but, of course, I still, over here, on the right-hand side of navigation, can go to all of the courses that are available. Or I can go back to the home button and get to the complete list of videos, webinars, and resources. Kathryn Baxter: So, you have another question. JeanMarie Komyathy: Sure. Kathryn Baxter: Okay. And this is a question that has come in twice. JeanMarie Komyathy: Okay. Kathryn Baxter: Not from the same person, different people. They want to know — and since you are our deputy director — do we anticipate offering any BSA conferences through the LMS? JeanMarie Komyathy: We anticipate offering a variety of information and a variety of courses throughout the program. We have gotten some courses loaded in already, which Vanessa will tell you about, and we have a list of about over a hundred different topics that we’re looking at could be materials for courses. We are working on prioritizing those and developing a plan for how to get them loaded in there. I do anticipate BSA, other consumer compliance areas, anything related to running a credit union and doing it well will eventually be loaded onto the Learning Management Service. I can’t tell you when exactly that will be, because it does take time to produce each of the courses, but I encourage everybody to check back frequently to see what’s available for them and what has been newly loaded. Kathryn Baxter: Okay, one more question for you. JeanMarie Komyathy: Okay. Kathryn Baxter: So, we have a credit union now that said they’d like you to read off the link. Can you read the link? JeanMarie Komyathy: I can. It is https://ncua.usalearning.net. But I’ll show you a different way to get there while I’m still in the live demo. If you go to ncua.gov — if I can spell. So, if you go to NCUA’s main website and you click on services at the top, and you go to “Small credit union initiatives” and click on that button, then you move over here to learning and click on that button, and then move to the left-hand side. You’ll see a link that takes you to our Learning Management Service. Click on that. It will tell you you’re leaving the ncua.gov page. Go directly to the page, and that will take you right out to our Learning Management Service. Perfect. Any other question, Kathryn? Kathryn Baxter: Well, I want you to hang around, because we do have some more questions for you. JeanMarie Komyathy: All right. Kathryn Baxter: That we’d like to give you a little bit later. JeanMarie Komyathy: With that, I’m going to close off the live demonstration and send you back to Dominic. Dominic Carullo: Okay. Very good JeanMarie. And it’s time for our second poll question. I’m just waiting for the screen to refresh here. Okay, and here it is. Have you used NCUA training resources in the past? Now this would include webinars, videos, any of our publications, or even perhaps you attended one of our league meetings that we presented at, or maybe one of our workshops. So, if you participated at all in the past, please answer yes. If you have not, no. And if you’re not a credit union or this doesn’t apply to you, please click on N/A. And, Kathryn? Kathryn Baxter: Oh, yeah, I’ve got a whole bunch of questions for JeanMarie. So, JeanMarie, here’s a good one. We have a credit union that says, “Can we use this resource to track education we receive from other providers, or is it limited from education we receive from NCUA only?” JeanMarie Komyathy: So, it’s my understanding that this service will only track the courses that we are loading into it. You will not be able to load in courses from other providers. JeanMarie Komyathy: You’re absolutely correct. And also, here’s another good question. This is an excellent question, by the way. CPE credits, do we provide those? We do not provide those through this service. Kathryn Baxter: Awesome. Dom. Dominic Carullo: Okay. Thank you. Okay. Have you used NCUA training resources in the past? You know what, 80% of the folks out there have, so that’s pretty terrific. Now I’m hoping the other 20% out there, well now, they could actually click yes, because they’re using our resource today. But spread the word, folks. This is a really good service, and we put a lot of time and effort into it, and it’s only going to get better as time goes on. So, with that, I’m going to turn this over to my long-time colleague Vanessa Lowe. Vanessa. Vanessa Lowe: Thank you so much, Dom. Great. So, what I’m going to talking about is deep learning, looking at the full course, generally reviewing the interface, showing all the material that’s already available. And in the link that was, of course, in the catalog, this first one says “Full courses,” so I want to talk about the difference between full courses and the rest of information you’ll find on the site, so we’ll cover that. We’re also going to talk about some sample tools that you can download, and then I’m going to end with showing you are the courses that are available now and I’ll give you a little preview of what’s coming soon. So, let’s get an understanding of what a full course is. But before we do that, let me clarify the material you saw listed when JeanMarie was showing her demonstration was the individual content. So, some of you who maybe haven’t been on our old info sites or the old OSCUI site, website, you may not know that we had webinars, videos, and resources there. We took all of our webinars, videos, and resources from back in 2012, I think, and we have loaded them onto the Learning Management Service. So that’s where all that content came from. The videos, the old ones are about 90 minutes long. I’m sorry. The webinars are about 90 minutes long. Videos are between five and ten minutes. And the resource guides are the publications that you have. So that’s where that individual content comes from. I want to now differentiate those individual pieces of content from the full courses. So, what a full course is, is an opportunity for us to really have combined a couple of those pieces of material into a full course so that you get a deep learning a particular subject? All right. And so, I’m going to talk with people about a full course and then we’re going to look at how it looks on the screen when you open a full course, and then move forward from there. I’m going to move my mic a little closer so you can hear me a little bit better. I hope that helps. So, a full course starts with an overview and objectives. You may recall in high school, or if you went to college, you had a syllabus. So, a full course is very much like a syllabus. And so, the overview and objectives tell you what are the objectives of this course, what is it that we hope that you learn by the end of taking all this material. The next section of full course are the course activities, and you’ll see there that I’m pointing to two individual courses. Now, so these are like the individual pieces of the content. It may be a webinar. It may be a video. It may be a resource guide. And we’ve even started adding individual courses, things like AIRES questionnaire, because we find that, you know what, these are great learning tools, and so we’ll continue to build on all those things that are over there. But a full course, again, brings together some individual course content on the same subjects so that you can do some deep learning. To continue on, the full course then, because we know that doing something specific is a really great way to capture that learning, to see, oh, this is what was meant by that. So, we have some suggested follow-up activity. Now, the things about the course activities is each of those has a quiz. You have to pass those in order to pass the overall full course. Follow-up activities and for deeper learning, which I’ll talk about in a moment, are voluntary. But we think, again, we encourage you to use those because it really helps to bring home the learning. After follow-up activities, then you’ll find some deeper learning. Very often, those are regulation referrals, and so we’ll have hyperlinks to the regulation, maybe NCUA letters. So, we’re using all sorts of content here that will help you to get again, into deep learning in a particular topic. The thing about a full course I just mentioned is it has its own quiz. So, while we’re combining some individual course content, for which you’ll have to take a quiz, the overall course has its own quiz. And so, once you pass that quiz, and we require that you pass at 80% level, then you have completed that full course and you can get the certificate for the full course; all right? So, again, individual course, they each have quizzes and certificates of their own, but a full course combines a couple of individual course contents with some other material to really help you go through a deeper level of learning. Let’s actually look through a sample here. So, one of the courses that was just loaded recently is one of three full courses that are particularly targeted to members of the board of directors of your credit unions. The way those three courses are organized is we pull together information in three different areas. And those areas were, well, what is the role of the board, and so we’ve identified three different roles. The first was governance. The second is vision setting, and that’s what this one is. Vision setting means planning for success. And the third one is fiduciary oversight, understanding the numbers. So, we’re looking at this full course right now and we’re just looking at the top section of it, because you’ll see the full course outline on the screen, but for the purposes of this webinar, I’ve broken it into three pieces. So, right now we’re just looking at the overview and objectives, and, again, that’s the deep learning. So, it describes what you’ll have in this course, and it describes what we hope you’ll learn. Let’s go to next section of the full course. The next section is pretty important. Those are the required course activities, as mentioned. And you’ll see, these are some of the individual pieces of content that JeanMarie showed you earlier. We’re saying in order for you to get the deep learning in this subject of vision setting, we want you to watch the board of director series six, which is about strategic planning; the webinar on budget preparation, and we also want you to watch the board of director series on succession planning; okay? If you do those three courses and you pass each of their quizzes with at least the 80% level, you’ve essentially met the criteria for this course so far, this full course so far. The next thing is, okay, you’ve met all of that, and you’ll notice the system, as you take those quiz, we’ll show you on the screen, on the full-course screen, your current grade is X. This shows here this this person got 90% on this piece, 100% on the second piece, and 100% on the third. So, the knowledge check, this knowledge check for the full course is a quiz just specific to this particular full course. And so, it still covers some of the material and the content, but it’s variations on those questions, and, again, those quizzes are always trying to say to you, these are the important points that we wanted you to take away from this. And so here now with this old-world full course quiz, where we tried to find at least five questions to really bring home the most important points we wanted you to take away from the course. Kathryn Baxter: Hey, Vanessa? Vanessa Lowe: Yes. Kathryn Baxter: I just wanted to let our audience know that we’re trending live on Twitter. Vanessa Lowe: Nice. Kathryn Baxter: And so please join us with any questions on Twitter at NCUA. We have Kenzie standing by to receive your questions. Vanessa Lowe: Great. Welcome, Kenzie. So, you’ve completed all those three course materials, the knowledge check again is the quiz. It’s called knowledge check here, but essentially the quiz for that full course. Now you’re ready to get you certificate of completion, which, again, these were very popular, and, again, we provided these in our webinars and our videos. These are very popular. And, again, a nice printout way to sort of keep that information on file when the examiner comes in. Also for you to know what you’ve completed. But, remember, the system is tracking all of this, so you can go back in, look in the in your account, and then track all of the courses that you’re taking. Here’s the reminder though; you have to be a registered user. So, if you’re going to go in and you’re going to do all this stuff, wouldn’t it be great to keep track of that. If you go in and just go in as a guest or, you know, you don’t actually register, it’s not going to keep track of what your scores were. It’s not going to keep track of your certificates; okay? All right, let’s continue on, because, still, we have a couple more pieces to the full course. You’ve met the criteria now. You’ve gotten your certificate. But, remember, in order to really bring home that learning, we had a couple of other suggestions. One is the recommended follow-up activities. This is so important, because in the full courses, you’re getting access to material that you won’t get access to — excuse the getting a little feedback there — that you won’t get access to if you just take it outside of the registration system; okay? And here is this example, the first recommended follow-up activity is to down load the NCUA AIRES questionnaire and complete the one labeled “Management Review,” and it tells you how it’s labeled. So, you’ve got a link to the AIRES questionnaire, all right, and then it’s telling you to pull up this particular one. And, again, so this one is related to the vision setting. And this is essentially what the examiner will come in and, you know, try to sort of assess management. So those questions are really, really helpful, and it’s really great when credit unions actually have already looked through questions that the examiners are going to have for them beforehand and develop their planning around that. The second suggested recommended follow-up activity is download and print the dashboard worksheet in the board planning samples provided below. So here is essentially a set of tools that we have developed for you to help with board planning. There’s at least four or five — I can’t recall now — different worksheets within this tool. That’s not going to be available if you just watch these webinars or do something, again, outside of the registration process. You have to go into to full course to get access to those. Finally, let’s go down to “Recommendations for Deeper Learning,” and so, again, these are links to other material that can really, really help in this topic, with the vision setting, an important role for the board of directors. One is NCUA Examiner’s Guide Chapter 7 on management. Again, similar to the AIRES questionnaire is the guide that the examiners look at to say, is the management at this credit union effective at ensuring that the credit union is operating in a safe and sound manner. Then there’s the Examiner Guide Chapter 15 on profitability, an important issue also around vision setting and for the board of directors to be [inaudible]. There’s also a link to the suggested webinar on “Mergers as a Growth Strategy.” Mergers, it’s a webinar we did last year. Some of you may have been on that. And then there’s even a suggested article here. It’s from the “CU Times,” and it is “Lack of Board Diversity May Hinder Growth, Study Finds.” So, again, we’ve compiled a couple of things that we think can really help you get a deep dive into the importance and the process of those set by board of directors. So, those three slides essentially showed you the full syllabus or the course outlines for that full course. Kathryn Baxter: Hey, Vanessa? Vanessa Lowe: Yes. Kathryn Baxter: Can we interject a question? Vanessa Lowe: Absolutely. Kathryn Baxter: All righty. I’m going to give you a question, because we’ve had quite a few come in. I want to give one to you and one to JeanMarie. So, here’s what one credit union asked. This is a great question. They said, “How can I be an administrator; register my staff and volunteers and then monitor if they are completing their training?” Vanessa Lowe: So, that’s a very good question, and chime in, Kathryn and JeanMarie, if you know differently. My understanding is that individuals register here, so there’s no way for a supervisor to, you know, register for somebody else. I mean, because they shouldn’t be creating passwords that don’t involves putting in your own identity and then putting in your password. So, this is not really a tool for management to force or, you know, sort of monitor their staff taking this training. JeanMarie Komyathy: Vanessa, I completely agree with you. But there is a way that staff can provide information to management once they have completed courses. If we go back to that knowledge check and the certificate of completion, it is produced in a PDF file, so a staff member who has registered for the Learning Management Service, completed a full course, and received a certificate of completion can print that out or send electronically and provide it to their manager or CEO, or their HR Department so that they can track what classes and what courses have been completed. Kathryn Baxter: Absolutely. And so, one more question for JeanMarie; okay? So, here’s what was asked: “So, what if a person doesn’t want to register as a user? Can they still access the education information?” JeanMarie Komyathy: So, if you go into the Learning Management Service and do not create an account and become a registered user, you can always view the complete list of videos, webinars, and resource guide and get to any of that information. You’ll be able to click on them and watch the video or watch the webinar or read the guide. What you will not get is the full courses that provide the deeper learning, the combined topics, as well as the knowledge check and the certificate of completion. By registering an account, you tell the service what your position is and what your training category is. It suggests courses to you, and materials to you, and it tracks your progress in completing those materials. Vanessa Lowe: That’s great. Thank you so much, JeanMarie. And it’s a good segue into the slide that we’re showing, because the other thing you don’t get if you don’t register is this tool. So, I mentioned that in this particular full course, we have an Excel spreadsheet that includes several individual worksheets that are very helpful with board planning. This is a sample of something called the Board Meeting Dashboard, and it’s a way to think about and guide the discussions for a board meeting that really helps to focus on, as we see the first column, what are key success factors; strong net worth, diverse and growing loan portfolio, and managing asset quality. So, this is just a sample, and it’s talked about in, I think, both the webinar and some of the videos that you’ll go through in the full course. So, here’s something that you can sort of immediately jump into and say, okay, well, what are our key success factors. Let me go in. Let me update the spreadsheet, and let me use this in our next board meeting; okay? So, again, it’s just a sample of one of the giveaways that you get if you are a registered user. JeanMarie, did you have something else. All right. JeanMarie Komyathy: We’re on track. Vanessa Lowe: All right. Fantastic. So, before I go into the full courses available now, Kathryn, any other questions we want to do at the moment? Kathryn Baxter: Absolutely. Thanks for asking. I have a whole lot of questions for you, Vanessa, so let me just give you one. Vanessa Lowe: Okay. Kathryn Baxter: Okay? You ready? Vanessa Lowe: Yes. Kathryn Baxter: This is a really good question, and I think you touched it already, but it can’t hurt to say it again. The credit union is interested in the length of time that it takes to do the courses because of schedules. Vanessa Lowe: Understood. Understood. So that’s a really, really good question. And, like I said, it depends on what the content is, particularly the required content in a full course, so the webinars are 90 minutes. Our historic webinars have been about 90 minutes long to go through those. You can stop and start them and come back, but, you know, all those webinars now, you’re still viewing them essentially on the YouTube platform, so you’ll just have to make note of, okay, I stopped at 10 minutes in or 15 minutes in to sort of keep track of that. But, when we start the first three courses, I would say, are pretty long. Some of them include even two webinars. So, already, that’s sort of 90 and 90, so that’s a couple of hours. But, you know, there’s certainly no time limit on how long you need to take on completing these courses. With some of the later courses, now we’re doing a little — we’re trying to sort of limit, okay, with each course it probably lets us do one webinar, and then combine that with maybe a video. So, because the webinars are so long, we’re definitely moving into sort of like trying to cut that time down, so it really depends on the content; all right? I hope that’s helpful. Kathryn Baxter: I’ve got another question for you, Vanessa. It’s really good. And I’d like to have JeanMarie chime in as well. This is an excellent question that we have from a credit union. They said, “Is there a way to use this platform for group training?” And one of the reasons that they said that is because they have a quarterly board training, and they also have a staff group training, and they would love to take advantage of this in a group setting. How would you respond? JeanMarie Komyathy: So, Vanessa, I’m going to take that one. I think this is a great opportunity and a great platform to use for group training. When you go out to our webinars or our videos and click on them through the Learning Management Service, you’re actually going out to our YouTube page where they’re housed. So, you can put that up on a screen in a board meeting or in a staff training day. You could go through the whole board series videos with, potentially, new board members who is are elected, or pick a particular topic that you’re interested in and look at a webinar or a video as a group, and you’ll have it there to open discussion within the group, to get maybe some deep learning as you all talk about it. You also, then, could do the knowledge check and the quizzes as a group exercise and talk about what the right answer is, what the wrong is, why things are right, and really use it as a way to facilitate group training. Kathryn Baxter: That’s true, very interactive. Anything to add to that Vanessa? Vanessa Lowe: Yeah. I think that’s exactly how you would do it. The other thing I would add, though, is it if everybody wants to get credit for it, what I would suggest is watching the group, have those discussions, maybe go through the quiz together, but that’s going to be the one person, then, who is clicking those buttons and getting the credit for the certificate for that, so everybody else could either go home, or be at their computer and go in and do the same thing, and they would get their credit and their certificate and show that, yes, I have taken it too. Otherwise, the system won’t show that all ten other folks participated. But, yeah, I think it’s fantastic, particularly that board of director series, I think that’s a great tool for doing it as a group. All right? Kathryn Baxter: Yes, ma’am. Vanessa Lowe: All right. We’ll come back to some more questions later. But let’s actually show you what’s available right now. We have six full courses available right now, in addition, again, to all of those. There’s actually more than a hundred pieces of content between webinars, videos, and resources. Again, you can do those individually, but in terms of full courses, what we’ve really worked to compile some deep learning for you, we have this; Role of the Board Part One, Governance. That’s understanding policies and regulatory oversight. Then we have “Role of the Board Part Two, Vision Setting: Planning for Success.” Then we have “Consumer Lending Basics, Credit Scores and Risk-Based Lending.” “Serving the Underserved,” the “CDFI Fund: A Partner for Mission-Based Credit Unions.” And so, a lot of you may have heard about it, if you haven’t participated in, the partnership that we have with the U.S. Treasury division, Community Development Financial Institution Fund. We have worked with them to develop, potentially, a streamlined application for credit unions to become certified by U.S. Treasury. And that’s been very helpful. We encourage those who feel like they might qualify to follow up with us if they want to have sort of a steady state partnership, and we’re very excited about that. So, anybody who is interested in that, please consider going through that full course. I think you’ll learn a lot. And then the sixth one that we have is “Vender Management and Due Diligence,” it’s a very, very important topic. So that’s what’s available now. Go in, get registered, and take those full courses. And, remember, you can’t register for these unless you — I’m sorry — you can’t take these full courses unless you’re a registered user. All right. And finally, my last slide is, well, what’s coming up. So, we are working things through the processes, and right now managers are doing great, wonderful, full courses. The third one is the board of director series, “Role of the Board Part Three: Fiduciary Oversight.” What does the board need to understand about the money and how the money is managed? Budget operations: So, we talked about some of those giveaways, and the budget preparation full course I think you’ll really like because it’s a budget webinar, but it also includes the tools that is are discussed in that budget preparation webinar. And a lot of folks have asked for that over the years. But now, the only way you can get that is to be a registered user and take the budget preparation full course. And then we have four on marketing. We have a basics on marketing, then we have data mining, social media, and serving the credit-invisible. So, again, these are all coming, hopefully, in the next several weeks, and stay tuned to the site. All right. Kathryn Baxter: Vanessa? Vanessa Lowe: Yes, please. We have some questions from our poll. Kathryn Baxter: Yes, we have questions. Now, this is a very important, especially to trainers at credit unions this questions. They say, “Can you upload custom courses that are SCORM compliant and track their status?” Vanessa Lowe: I’m smiling back at you, Kathryn. Kathryn Baxter: Because you want me to answer that. Vanessa Lowe: You are always talking about SCORM compliance, so I’ll let you take that one. Kathryn Baxter: Okay. Thank you. Yes, our LMS is SCORM compliant, and the individual can track their status of taking their courses. That is absolutely true. So, the question sounded like, though, and let’s just clarify, it sounded like they were saying, can they upload courses, or are they asking us to upload courses as SCORM compliance? Are the courses that we’re going to upload SCORM compliant? Kathryn Baxter: Got it. Vanessa Lowe: Because no one else can upload courses but us. Kathryn Baxter: Exactly. Got it. So, the NCUA will be uploading the courses. Now, here is a question that you can answer. Vanessa Lowe: All right. Kathryn Baxter: You ready? They said, “Are the full courses learn as you go or are they on a set day and time?” Vanessa Lowe: Very, very good question. So, the full courses are completely independent. You start it when you want to start it. You continue it when you want to continue it, and you end it when you end it. So, no there’s no live person who’s saying, you know, log in at 3:00 o’clock and that’s when I’m going to tell you things. The material is already there, and what we’ve done is essentially compiled that material and said these are the things you want to go through in order to get that deep learning. Kathryn Baxter: Okay. Great. We’ve got quite a few questions that we’re going to get into once Dom is done with us. And thank you, Vanessa. Vanessa Lowe: You’re quite welcome. All right, let me do a poll, and then maybe we’ll take one more question after that as we wait for the poll responses. So, the question I wanted to ask is, which of the full course components interests you? Remember, I talked about the recommended follow-up activities, recommended for deep learning, sample policies. Now, I didn’t talk about that, but remember how I said the full courses might include any kind of giveaway that helps bring home that knowledge. And I know some of the ones that are coming up, we definitely have some sample policies that we’re giving away. Excel samples like the budgets and the dashboards, I showed you a dashboard. But in the preparation webinar, we actually have another Excel file that includes multiple worksheets, including a sample budget sheet. And then finally, the relevant article links like the one we had in this particular full course. So, you can check all that apply, and tell us what interests you. We’re curious about that. All right, I’m going to click forward and see what our responses are. Well, I like that we have interest in every area. The recommended follow up activity got 57%. Recommended for deeper learning got 72 percent. The highest was the sample policies, and I know those are very, very popular. Also Excel samples like budgets and dashboards got 79%, and then relevant articles and links, not so much, so 48%. So that’s pretty good. So that’s good to know because, again, we’ve designed this trying to think about what is that would be helpful to you but, again, notice that we’ve sort of, you know, made it only available to those registered users because we really want those who are most committed to come get access to those materials. All right. Well, thank you so much. I’m going to turn it back over to Dom. Dominic Carullo: Thank you so much — excuse me. Thank you, Vanessa. Okay, we have one more poll question here, and my screen is just trying to catch up. Vanessa, can you switch us to the next screen. Vanessa Lowe: Absolutely. Let’s go forward. Dominic Carullo: Okay. Vanessa Lowe: And there’s your poll. Dominic Carullo: One last poll question here, and what has been your experience with our Learning Management Service? Perhaps you’ve browsed the site but haven’t created a user account yet. Perhaps you created a user account. And if you haven’t browsed on the site yet, let us know that. So, please choose one of the three options here, and we’ll discuss them. And while we’re waiting, do we want to pose another question? Kathryn Baxter: We do. JeanMarie is really chomping at the bit. She really wants me to ask her a question. But I’ve got to save your question, JeanMarie. We had someone from the agency say that they would like us to ask credit unions if they would like — if they have any courses that they would like to recommend. So, if you do, the survey that can be picked up at the bottom of your screen near the LinkedIn icon, you can fill that in there, and we certainly will get to it. Thank you for that. That’s wonderful. So, Dom, did you want to give us the results? Dominic Carullo: Let’s go through the answers. What’s been your experience with the Learning Management Service? We have about 35-40% of the audience that have used it before and have been in here, but close to 61% of our audience has not utilized the service at all, and I’m hoping that, after today’s webinar, that we can get the other 61% of the audience out there to use our service. So, that’s quite interesting, and we’re going to move forward here. If you have any questions at all, or if you have any comments, please contact our office. Here is our contact page, and so for any of your questions or comments, so on and so forth, everything’s here right up on the screen. You can also download this set of slides by clicking on the widget below for the slides, and then you could have these for your personal use. Okay? I believe Kathryn already discussed the survey, but you have a link for that below. And with that, I’m going to turn this back to Kathryn so we could do some more questions. Kathryn Baxter: All right. Thank you, Dom. So, please use the icon that is next to the LinkedIn icon so that you can access our survey. You can also give us your suggestions, like we asked previously, what courses you’d like to see developed. And now, I’m going to get to a great question. JeanMarie is going to field this first question. JeanMarie, a credit union had a question that is very legitimate, and here’s what they said, very simple, “What are the costs?” JeanMarie Komyathy: Kathryn and everyone, I have great news for credit unions. The Learning Management Service is a product and service offered to credit unions at no cost. So, the agency is providing it so that credit unions can be successful and can operate in a safe and sound manner, so that we can provide you with training opportunities for your staff and your volunteers, because we want you to provide [inaudible], so it’s yours at no cost. Dominic Carullo: It’s free, people. Kathryn Baxter: Thank you, Dom, in a nutshell. So, now here’s another question, JeanMarie. We’ve gotten this quite a bit, so I think you’re going to have to give this consideration as something that we need to develop. The credit union says, and I’m going to quote them, “Will there be BSA training available? That was available a few years ago, and it was invaluable.” Dominic Carullo: Kathryn, I can answer that question. Kathryn Baxter: Yes. Dominic Carullo: We are actually working on a two-part BSA OFAC syllabus as we speak, so that will be entering into the approval process within the next week, and it’s well underway. JeanMarie Komyathy: So, Kathryn, the answer is, yes, there will be BSA training available. Kathryn Baxter: I don’t think we were going to be able to leave without you giving a positive to that one, so that’s wonderful. Vanessa Lowe: Can I add something to that? Kathryn Baxter: Yes, ma’am. Vanessa Lowe: So, remember, we are compiling together information to get to deeper learning, but the information that we’re going to put in there is probably the BSA webinars that you can already get to. So, if you register and you take those quizzes, essentially, you’re starting to take, the full course already and that will travel along with you once the full course is available. So those of you who are so eager to find BSA training, just open up the course catalog and you will find BSA material there. Kathryn Baxter: Very good. I’ve got a question for you, Vanessa. Vanessa Lowe: Okay. Kathryn Baxter: You ready? Now, since you’re one of our course creation gurus, Vanessa, this is a good one. We already have some information in the LMS, but let’s expand. Vanessa Lowe: Okay. Kathryn Baxter: The question is, “Do you have or will you offer, in the future, topics regarding internal controls?” Vanessa Lowe: Yes. As a matter of fact, that’s another one that I think is in process already, so, yes, that’s a — I can’t remember the exact name of that course, but, yes, we do have materials. And, again, go onto — because I know there was at least one or two webinars that actually had the title of the internal controls, so you need to go right now onto our LMS and look under the material, and, again, the course catalog is the most comprehensive list, and that’s the best way to do a search on that one, and you’ll find anything on a particular search; okay? JeanMarie Komyathy: Kathryn, I just used the quick links to get to the list of webinars videos and resource guide, and I’m finding the webinars about internal controls, internal controls and accounting tips, and other materials about internal controls that are available right now. Kathryn Baxter: Okay. Exactly. That’s wonderful. So, we do have information out there. We have a little bit of a technical difficulty going on right now, so if we bounce in and out with the sound. We’re aware of it. We’re going to straighten it out as soon as we can, so that’s good. Here’s another good question. Let’s bounce it to JeanMarie again. Okay, JeanMarie? JeanMarie Komyathy: Sure. Kathryn Baxter: So, this is a super good question I think. The credit union wants to know about are we going to provide any training that has an annual requirement, like the BSA and so forth, and will it be updated with regularity ? JeanMarie Komyathy: Kathryn, that’s a great question. At this point, we’re using the materials that we already have available to create the courses. We can certainly look at what are the requirements for annual training for BSA and look at how we could incorporate our materials into that, or make suggestions for full courses that could satisfy that. We will work with our resource here at NCUA, and our experts on BSA, and try to come up with some ideas for how we can satisfy that. I don’t want to promise that we will, but we will certainly look at it. Kathryn Baxter: Great, JeanMarie. Now, I’m going to piggyback on that one, because in conjunction with BSA that has its annual requirement, there are also some compliance people out there, and they want to know, are we going to offer regulatory trainings like reg E, reg D, so forth? JeanMarie Komyathy: So, again, we’ll be working with the experts here at NCUA in a variety of different operational areas. Hopefully, all of those will be able to provide some training and some resources for us so that we can look at what are the different courses that are needed and what we can provide. When we look at our staff that works with compliance, we look at our exam staff, we look at the variety of different areas that we here at the agency, that we have resources. We will be reaching out to them to create courses. Again, it takes some time to develop this material, so I can’t promise that we’ll all be here in the next few weeks, but keep checking back, and we’ll try to put out information as we’re making it available on the service. Kathryn Baxter: Awesome. Great answer. Vanessa? Vanessa Lowe: Yes. Kathryn Baxter: Here’s a question for you. This is a good question too, from a credit union. What they want to know is, are the courses webinars able to be downloaded so that they can show these board of director, or do they have to view them only online? Vanessa Lowe: Again, so the webinars and the videos are all on the YouTube platform, so whether you go into the individual content or a full course, when you click on those links, you’re being moved over to YouTube. So as far as I know — and I’m not the expert on YouTube — I don’t think you can download those sorts of things. You have to watch it live, and so you have to have a Wi-Fi connection. But, again, you know, if you have a Wi-Fi connection in the credit union, bring them around the table and watch it together. Kathryn Baxter: Awesome. I’ve got to answer a question that I keep getting here. We’ve got a little bit of a technical glitch going on with the LMS when it comes to getting your confirmation e-mail. If you don’t get your e-mail back within a few minutes, please e-mail me at [email protected] We have our technical support working on it right now, but as we’re talking and doing this webinar, it’s still a bit of an issue, so just e-mail me. What I’ll do is just go in and confirm you so that you can get into the system. OSCUI — what did I say? Vanessa Lowe: You said training. Kathryn Baxter: Yeah, [email protected] That’s just if you cannot get in the LMS and you haven’t received your e-mail; okay? So, we have, oh, one more minute. Let’s see who I can give this last question to. Here’s a good question. I’m going to give it to both of you, JeanMarie and Vanessa. Credit union said, “If someone completes a module or a class and then decides to do a full course, will the module previously completed be considered as part of the full course?” Vanessa Lowe: It’s a great question, and the answer is, if you have registered as a user, then all of your activity and the completion of those quizzes will be tracked. So, that’s the key, you have to be registered. Kathryn Baxter: Well, everyone, we promised you that this webinar would be an hour in length. We have a whole bevy of questions. We’re still trending live on Twitter. You can join us there, and we’ll answer some more questions offline. But those of you that we didn’t answer your questions right here, as Dominic probably mentioned at the beginning, we will certainly answer your questions once we post this webinar in three weeks. We enjoyed it. Thank you, JeanMarie for that wonderful demonstration. Thank you, Vanessa, for the deep dive into the material. Thank you, Dom, for hosting; Ron, for keeping us in technical support; and Kensey, as our Twitter expert, and Al is keeping us company at the table. For all of our folks here at NCUA, thank you so much for joining us. We hope you enjoy the LMS. Have a wonderful week and a great afternoon.

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