Private Banking - Establishing the Needed Structure in a Communi


Presented by: Kathleen Blanchard

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  Private Banking by any name at a community or larger regional bank often means offering personalized services to high income/high net worth individuals and their related business entities. Unlike Private Banking at very large financial institutions, Private Banking at community banks usually does not involve asset management or specialized investment products or international banking risk. Customers will often receive personalized services for existing bank deposit and credit products; for example, the private banker will go to the customer's home or office to pick up and drop off paperwork and keep them aware of new product offerings.

The Private Banker will often serve as the gatekeeper for the relationship with the bank's various product areas, smoothing the way for the customer with personalized services. In some cases, there may be specialized deposit or loan products for private banking customers. Private Banking customers do not necessarily receive lower borrowing rates or higher deposit rates.

Private Banking customers generally must meet income and/or investable asset thresholds in order to qualify for personalized service.

While there is nothing inherently wrong with Private Banking, it does present risk to the bank, such as fair lending risk, BSA/AML risk due to the larger balances and closer banker relationships that can lead to "favors", or unequal treatment of customers of equivalent finances outside of the Private Bank.

Private Banking takes advance planning and monitoring to manage regulatory risk. This webinar will review those risks and present ways to manage them.

Who should attend: Senior management and product development staff, Compliance and BSA Officers, Auditors, Private Banking staff - any staff members who need knowledge of Private Banking and the accompanying risks.

About the Speaker: Kathleen Blanchard has over 30 years of experience in banking, including many years of commercial lending, credit policy, loan review, and regulatory compliance experience related to commercial, small business, private banking and consumer lending.

Kathleen specializes in HMDA and CRA training and consulting and writes about compliance topics at

She has developed and improved many lending and regulatory processes and is able to cut through the layers to get to the heart of process needs. Kathleen has been consulting with banks on their regulatory compliance processes, HMDA and CRA reporting, process development and training since 2006. She is a Certified Regulatory Compliance Manager and a BOL Guru for

This program was recorded in its entirety in March 2016. The CD-ROM includes program slides, materials (if available) and follow-up Q & A document.

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  • Model: cd_privatebanking0316
  • Manufactured by: Glia Group, Inc.

This product was added to our catalog on Wednesday 16 December, 2015.

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