Cyber Crime in the Title Industry

3 credits

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wire fraud
The FBI’s Internet Crime Complaint Center receives complaints crossing the spectrum of cyber crime matters. Since they began tracking scams in the late 2013, it has compiled statistics on more than 7,000 U.S. companies that have been victimized. The scam succeeds by compromising legitimate business email accounts through social engineering or computer intrusion techniques, Businesses of all sizes are targeted, and the fraud is proliferating. Title companies handle a lot of money through their escrow acccyber attackounts and are consequently a favorite target of cyber criminals. This course covers all the different types of cyber-fraud, how to recognize them, and how to protect your business against them.

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Electronic Delivery of Mortgage Disclosures

1 credit

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Two industry leaders explain electronic delivery and esignatures. Electronic delivery of documents has become ubiquitous. It’s only natural that it would come to the Mortgage and Title industry. This course will give you some historical legislative background and will help you understand how electronic delivery and electronic signatures will impact your business.

The Presenters are

David Whitaker, Esq.

David Whitaker is Counsel in the Chicago office of BuckleySandler LLP.  Mr. Whitaker advises financial services companies in transactional, legal and regulatory matters.  Mr. Whitaker also assists companies in their efforts to structure and implement platforms and processes that conform to the requirements of the Electronic Signatures in Global and National Commerce Act (ESIGN), the Uniform Electronic Transactions Act (UETA), other applicable state and federal laws, and various industry standards.

Prior to joining BuckleySandler, Mr. Whitaker was Senior Company Counsel in the Strategy & Operational Risk Group at Wells Fargo Bank, N.A., where he served as team leader for the group of attorneys supporting Wells’ electronic financial services.  In that role, he supported the bank’s online and mobile banking services, and a wide variety of new product development initiatives.  Among other products, he served as the primary legal architect at Wells for the development of the vSafe online document storage service and the clearXchange P2P electronic payments platform.

Before joining Wells, Mr. Whitaker was Of Counsel in Goodwin Procter’s Corporate Department and a member of its Financial Services Practice, specializing in electronic commerce issues and financial services law. He has extensive experience with practical application of laws governing electronic banking, letters of credit, payment systems and commercial and consumer financing. Before joining Goodwin Procter, Mr. Whitaker was Assistant General Counsel at the Federal Home Loan Mortgage Corporation (Freddie Mac) in McLean, Virginia. He has also served as a Vice President at Star Bank, N.A. (now U.S. Bancorp), headquartered in Cincinnati, Ohio; Vice President and Assistant Director of Legal Services at Bank of Oklahoma, N.A.; and in private practice as a partner at Boesche, McDermott & Eskridge, in Tulsa, Oklahoma.

Mr. Whitaker is a member of the American Law Institute. He was named a “2009 Mortgage Banking Technology All-Star” by Mortgage Banking Magazine, in recognition of his pivotal role in “transform[ing] e-mortgages from an idea into a product.” Mr. Whitaker is also a member of the American Bar Association’s Business Law Section, and the Business Law Section’s Committee on the Uniform Commercial Code (“UCC”), Committee on the Law of Commerce in Cyberspace, and UCC Subcommittee on Letters of Credit. He has co-chaired the Cyberspace Committee’s Task Force on Federated Identity Management.

Michael Laurie

Michael co-founded Silanis more than 20 years ago. Today he is responsible for planning and growth strategies for product marketing and product management.

An expert in the field of compliance and standards for electronic signatures and e-vaulting solutions, Michael has been a driving force in advancing the e-signature marketplace through his participation in industry associations and contribution to standards including SPeRS, ESRA, MISMO and IRI. He is a frequent featured speaker at industry conferences and events. In 2013, he was recognized by BuckleySandler LLP with an ESIGN Service Award for his pioneering educational efforts, innovation within the industry and championing of electronic signatures in commerce.

Michael graduated from Laval University with a bachelor of sciences in electrical engineering.

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From Searching to Signing by Michael Holden approved in New Jersey

Searching to Signing 1 credit

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This course covers:

  • The history of land titles
  • Clearing liens on real property
  • What is title searching?
  • The difference between title searching and title examining
  • Problems with name searching
  • Tax problems in Wayne County
  • Case studies

Michael HoldenMichael Holden

Vice President Strategic Agency Manager, NORTH AMERICAN TITLE INSURANCE COMPANY (NATIC). Michael has been serving the title industry since 1989. Michael received his Bachelor’s degree from the University of Missouri and has previously owned and operated a large title agency in Missouri. Prior to joining NATIC, he worked for two different regional underwriters as national agency manager. An active member of ALTA, Michael serves on several committees and has previously served on the agents’ section to the board of governors. Michael has been a speaker for several state land title association conventions and helps provide CE classes to title agents in the Midwest. Michael has a wealth of knowledge about the history of the land title industry in the United States and publishes a monthly article titled: “The Ramblings of a Title Man.” In 2007 he was recognized as “Top 40 under 40” by The Title Report™. In 2014, his first book, also titled “The Ramblings of a Title Man” was released. He, or a member of his family, has worked in the title industry continuously since 1920.

Ramblings of a Title Man is available for purchase from Learntitle Here

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ALTA/NSPS Survey Standards

2 credits.

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Members of the American Land Title Association® (ALTA®) have specific needs, unique to title insurance matters, when asked to insure title to land without exception as to the many matters which might be discoverable from survey and inspection, and which are not evidenced by the public records. This course discusses the standards associated with those surveys.

For a survey of real property, and the plat, map or record of such survey, to be acceptable to a title insurance company for the purpose of insuring title to said real property free and clear of survey matters (except those matters disclosed by the survey and indicated on the plat or map), certain specific and pertinent information must be presented for the distinct and clear understanding between the insured, the client (if different from the insured), the title insurance company (insurer), the lender, and the surveyor professionally responsible for the survey.

In order to meet such needs, clients, insurers, insureds, and lenders are entitled to rely on surveyors to conduct surveys and prepare associated plats or maps that are of a professional quality and appropriately uniform, complete, and accurate. To that end, and in the interests of the general public, the surveying profession, title insurers, and abstracters, the ALTA and the NSPS jointly promulgate the within details and criteria setting forth a minimum standard of performance for ALTA/NSPS Land Title Surveys.

A complete 2016 ALTA/NSPS Land Title Survey includes:
(i) the on-site fieldwork required pursuant to Section 5,
(ii) the preparation of a plat or map pursuant to Section 6 showing the results of the fieldwork and its relationship to documents provided to or obtained by the surveyor pursuant to Section 4,
(iii) any information from Table A items requested by the client, and
(iv) the certification outlined in Section 7.

Gary KentGary Kent is Director of Surveying at The Schneider Corporation, a 42-year-old consulting firm based in Indianapolis providing solutions in surveying, GIS, 3D graphics, architecture, and civil, municipal and transportation engineering. A past-president of both ACSM and the Indiana Society of Professional Land Surveyors, Gary has a BS degree in Land Surveying from Purdue University and is registered to practice surveying in Indiana and Michigan. He is chair of both the NSPS/ACSM committee and the ALTA committee on the ALTA/ACSM Standards. He currently sits on the Indiana State Board of Registration for Land Surveyors and is also a member of the adjunct faculty at the Purdue campus in Indianapolis where he teaches Land Survey Systems, Legal Descriptions, Boundary Law and Property Surveying.

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ALTA Best Practices Pillar 4 approved in New Jersey

ALTA Best Practices Pillar 4

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This course is one in a series of Courses that discuss ALTA Best Practices. This one covers Pillar 4. The objective of the course is for the learner to complete the section of their policy and procedure manual for the pillars discussed in the course. Also, upon completion the learner will be confident that they will be able to pass an ALTA Best Practice audit for the pillars discussed in the course.

streamline

Pillar 4 is about adopting standard real estate settlement procedures and policies that help ensure compliance with Federal and State Consumer Financial Laws as applicable to the Settlement process. The course covers the 34 questions asked in the ALTA Pillar 4 Workbook so that the learner understands what is expected to by compliant. The course covers the Action Items report, Assessment Readiness, and Certification

Adopting appropriate policies and conducting ongoing employee training helps ensure the Company can meet state, federal, and contractual obligations governing the Settlement.

Streamline Consulting has done the research and put together the content for the course. Streamline Consulting is a privately owned company that was formed in order to meet the personnel, technical and business needs of Title Insurance Companies. They are advocates for their clients in all aspects of the title insurance industry.

While the nature of the business is the same in all states, the nuances of each title company, even within the same city, can be very different. Streamline customizes every project and product for each title company, regardless of size, location or products and services provided to their customers.

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ALTA Best Practice Pillar 2 approved in New Jersey

ALTA Best Practices Pillar 2 Escrow Accounting

This course is one in a series of Courses that discuss ALTA Best Practices. This one covers Pillar 2. The objective of the course is for the learner to complete the section of their policy and procedure manual for the pillars discussed in the course. Also, upon completion the learner will be confident that they will be able to pass an ALTA Best Practice audit for the pillars discussed in the course.

Pillar 2 is about Escrow Trust Accounting. Appropriate and effective escrow controls and staff training help title and settlement companies meet client and legal requirements for the safeguarding of client funds. These procedures help ensure accuracy and minimize the exposure to loss of client funds. Settlement companies may engage outside contractors to conduct segregation of trust accounting duties.

The course covers the 73 questions asked in the ALTA Pillar 2 Workbook so that the learner understands what is expected to be compliant. The course covers the Action Items report, Assessment Readiness, and Certification

Streamline Consulting has done the research and put together the content for the course. Streamline Consulting is a privately owned company that was formed in order to meet the personnel, technical and business needs of Title Insurance Companies. They are advocates for their clients in all aspects of the title insurance industry.

While the nature of the business is the same in all states, the nuances of each title company, even within the same city, can be very different. Streamline customizes every project and product for each title company, regardless of size, location or products and services provided to their customers.

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ALTA Best Practices by Diane Evans approved in New Jersey

2 credits

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Current American Land Title Association President, Diane Evans discusses ALTA Best DIANE_EVANS_Practices. Her presentation includes a discussion of how the industry has arrived a the point where the promulgation of Best Practices is important. She covers legislation that requires title agencies to implement Best Practices and the role of the Consumer Financial Protection Bureau. This course covers an overview of each of the 7 Pillars

  • Pillar 1 – Licensing
  • Pillar 2 – Escrow Accounting
  • Pillar 3 – Protecting Non Public Personal Information
  • Pillar 4 – Pricing and Recording
  • Pillar 5 – Policy Production
  • Pillar 6 – Professional Liability Insurance
  • Pillar 7 – Consumer Complaints

Diane Evans has served the title insurance industry for more than three decades. She joined Denver, Colorado-based Land Title Guarantee Company in 1981 and currently serves as vice president. A member of the American Land Title Association’s (ALTA) Board of Governors and 2014-15 president, Diane also is a member of ALTA’s Government Affairs Committee, State Regulatory Advisory Committee, NAIC Committee and Agents Executive Section.

Additionally, she has served as chair of ALTA’s Abstracters and Title Insurance Agents Section Executive Committee. Diane has been active in the title industry in Colorado as well. She served as president of the Land Title Association of Colorado in 2001, served on its Board of Directors from 1992-2002 and continues to serve on its legislative committee. She has served on the Colorado Secretary of State E-Recording Panel, a member of the Producers Council of the Colorado Division of Insurance and the Colorado Division of Insurance Title Advisory Panel. She has served as chair of the State Board of Land Commissioners and on the Colorado State University System’s Board of Governors

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Cyber Crime in the Title Industry

3 credits

Click Here to enroll

wire fraud
The FBI’s Internet Crime Complaint Center receives complaints crossing the spectrum of cyber crime matters. Since they began tracking scams in the late 2013, it has compiled statistics on more than 7,000 U.S. companies that have been victimized. The scam succeeds by compromising legitimate business email accounts through social engineering or computer intrusion techniques, Businesses of all sizes are targeted, and the fraud is proliferating. Title companies handle a lot of money through their escrow acccyber attackounts and are consequently a favorite target of cyber criminals. This course covers all the different types of cyber-fraud, how to recognize them, and how to protect your business against them.

Click Here to enroll

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Electronic Delivery of Mortgage Disclosures

1 credit

Click Here to Enroll

Two industry leaders explain electronic delivery and esignatures. Electronic delivery of documents has become ubiquitous. It’s only natural that it would come to the Mortgage and Title industry. This course will give you some historical legislative background and will help you understand how electronic delivery and electronic signatures will impact your business.

The Presenters are

David Whitaker, Esq.

David Whitaker is Counsel in the Chicago office of BuckleySandler LLP.  Mr. Whitaker advises financial services companies in transactional, legal and regulatory matters.  Mr. Whitaker also assists companies in their efforts to structure and implement platforms and processes that conform to the requirements of the Electronic Signatures in Global and National Commerce Act (ESIGN), the Uniform Electronic Transactions Act (UETA), other applicable state and federal laws, and various industry standards.

Prior to joining BuckleySandler, Mr. Whitaker was Senior Company Counsel in the Strategy & Operational Risk Group at Wells Fargo Bank, N.A., where he served as team leader for the group of attorneys supporting Wells’ electronic financial services.  In that role, he supported the bank’s online and mobile banking services, and a wide variety of new product development initiatives.  Among other products, he served as the primary legal architect at Wells for the development of the vSafe online document storage service and the clearXchange P2P electronic payments platform.

Before joining Wells, Mr. Whitaker was Of Counsel in Goodwin Procter’s Corporate Department and a member of its Financial Services Practice, specializing in electronic commerce issues and financial services law. He has extensive experience with practical application of laws governing electronic banking, letters of credit, payment systems and commercial and consumer financing. Before joining Goodwin Procter, Mr. Whitaker was Assistant General Counsel at the Federal Home Loan Mortgage Corporation (Freddie Mac) in McLean, Virginia. He has also served as a Vice President at Star Bank, N.A. (now U.S. Bancorp), headquartered in Cincinnati, Ohio; Vice President and Assistant Director of Legal Services at Bank of Oklahoma, N.A.; and in private practice as a partner at Boesche, McDermott & Eskridge, in Tulsa, Oklahoma.

Mr. Whitaker is a member of the American Law Institute. He was named a “2009 Mortgage Banking Technology All-Star” by Mortgage Banking Magazine, in recognition of his pivotal role in “transform[ing] e-mortgages from an idea into a product.” Mr. Whitaker is also a member of the American Bar Association’s Business Law Section, and the Business Law Section’s Committee on the Uniform Commercial Code (“UCC”), Committee on the Law of Commerce in Cyberspace, and UCC Subcommittee on Letters of Credit. He has co-chaired the Cyberspace Committee’s Task Force on Federated Identity Management.

Michael Laurie

Michael co-founded Silanis more than 20 years ago. Today he is responsible for planning and growth strategies for product marketing and product management.

An expert in the field of compliance and standards for electronic signatures and e-vaulting solutions, Michael has been a driving force in advancing the e-signature marketplace through his participation in industry associations and contribution to standards including SPeRS, ESRA, MISMO and IRI. He is a frequent featured speaker at industry conferences and events. In 2013, he was recognized by BuckleySandler LLP with an ESIGN Service Award for his pioneering educational efforts, innovation within the industry and championing of electronic signatures in commerce.

Michael graduated from Laval University with a bachelor of sciences in electrical engineering.

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Reverse Mortgages

1 Credit

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reverse mortgagesA reverse mortgage is a safe and easy way for seniors to turn their home’s equity into an additional source of income to meet any financial need. Most financial planners view it as a liquidity tool that unlocks tax free premium dollars. It is a loan that is available to homeowners who are at least 62 years of age and who have a substantial amount of equity in their home. Unlike traditional home equity loans, the reverse mortgage has no income or credit qualifications and no repayment of any kind until the home is sold or the borrower permanently leaves their primary residence. Payment options are in the form of a lump sum, monthly payments, line of credit or a combination of these options. This course will discuss:

  • What are reverse mortgages?
  • How reverse mortgages work
  • Consumer protections and Elder Abuse
  • Underwriting guidelines for insuring reverse mortgages
  • The ALTA 14.3 endorsement, and guidelines
  • The Reverse Mortgage Closing

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The course is approved for 1 continuing education credit

Michael HoldenMiclael Holden is Vice President Strategic Agency Manager, NORTH AMERICAN TITLE INSURANCE COMPANY (NATIC). Michael has been serving the title industry since 1989. Michael received his Bachelor’s degree from the University of Missouri and has previously owned and operated a large title agency in Missouri. Prior to joining NATIC, he worked for two different regional underwriters as national agency manager. An active member of ALTA, Michael serves on several committees and has previously served on the agents’ section to the board of governors. Michael has been a speaker for several state land title association conventions and helps provide CE classes to title agents in the Midwest. Michael has a wealth of knowledge about the history of the land title industry in the United States and publishes a monthly article titled: “The Ramblings of a Title Man.” In 2007 he was recognized as “Top 40 under 40” by The Title Report™. In 2014, his first book, also titled “The Ramblings of a Title Man” was released. He, or a member of his family, has worked in the title industry continuously since 1920.

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