If you hear something, say something

first_imgThe recent opinion piece written by Scott Butterfield that appeared on CUInsight regarding examiners of financial institutions contained some expressions that may have been heard before. Fortunately he prefaced his remarks by saying that “most examiners are good”. Having been a financial regulator at both the state and federal level I have had considerable contact with examiners. My experience has not been that of being examined but rather of being ultimately responsible for the examiner’s conduct.I have found that most examiners conduct themselves in a highly professional manner.  Prior to taking on the responsibility of examining credit unions they are classroom trained on exam policy and procedures. They are instructed on the applicable laws and regulations as well as how to interact with credit union personnel. There is continuing education throughout their careers. They not only understand the examination process but are fully aware of their responsibilities and the code of conduct under which they operate.In his article Mr. Butterfield talks about “bad behavior” that “falls into three baskets” he calls the bad “B’s”. Normally one would expect a regulator to challenge what he is saying by perhaps calling it “baloney”. However, that is not the case.I too have heard similar remarks he attributes to examiners relating to membership bias, gender bias, bullies and bad advice. A regulator usually hears about such an occurrence, which are rare, from a state credit union league or association or from the CEO of one of the two national organizations. That has been my experience.When told of an instance involving an examiner going beyond their authority as detailed in the “B’s” of Mr. Butterfield, I, as every regulator would, be upset and immediately want to know the five “W’s”: who, what, when, where and why? Without that information the regulator is left with sending out a memo to the entire examination staff telling them don’t be a “B’ and implying they are not doing their job. That is not the proper corrective action when, in my opinion, the majority of examiners do not fall into that category because they are professional.  Only by knowing which examiner falls into the “B” category can the proper action be taken to reeducate that examiner and prevent a reoccurrence of the behavior. However, every time, without exception, when I asked which credit union experienced the problem I was told they wanted to remain anonymous because they feared retaliation. Really? Does anyone truly believe that a state or federal regulator would allow retaliation for reporting of wrongdoing? I think not. A problem can only be corrected if you know the source causing it. You cannot resolve an issue involving one or a few examiners when you have hundreds of them on your staff.  A regulator always wants to know if one of their staff, at the examiner or any level, is abusing their authority. If an allegation is found to be true, action will be taken and the problem corrected without retaliation to the reporting credit union.  The common practice has been that if a credit union has an issue with an examiner they should follow the chain of command within the agency structure and address the issue with the Supervising Examiner or Regional Director. My suggestion is to bypass that process and take the issue directly to the top.There is a new Chairman at NCUA, a new board member and a former Chairman. If you have an examiner problem send an email to Chairman Hood and board members McWatters and Harper. Make sure you give them all the “W’s”. If there is a “B” problem, they want to correct it. They are all committed to a transparent and responsive federal agency. 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Michael Fryzel Michael Fryzel is the former Chairman of the National Credit Union Administration and is now a financial services consultant and government affairs attorney in Chicago. He can be reached at … Detailslast_img read more

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BiH team in group 5 of qualifications for the World Handball Championship Qatar 2015

first_imgBiH handball team will play in the group five of the qualifications for the World Handball Championship which will be held in 2014 in Qatar.BiH is in the group with Portugal, Latvia and Estonia,while Lithuania, Turkey, Georgia, Finland are in group 1, Slovakia, Romania, Cyprus, Italy are in group 2, Slovenia, Ukraine, Switzerland, Luxembourg in group 3, the Netherlands, Israel, Greece, Belgium are in group 4.last_img

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DANIEL HELPING TO BOOST DONEGAL TOURISM

first_imgIRISH tourist chiefs have recruited singer Daniel O’Donnell in a bid to bring tourists from Britain to Donegal this summer.The online campaign is aimed at re-branding the county as ‘Daniel O’Donnell Country’.The move is being pioneered by DiscoverIreland which promotes the country as a tourist destination to the British. The advertising blitz has Daneil at the centre of it.One advert reads: “Daniel O’Donnell is one of Donegal’s most famous natives. An Irish singer and television presenter, Daniel has become a household name in Ireland and across the world.“With over 10 million records sold, Daniel’s charismatic and engaging stage presence has made him a huge success and a beloved favourite of his native County Donegal.Daniel considers the North West of Ireland and in particular, Co. Donegal a must-visit for any tourist. The county’s exceptional landscape includes Europe’s highest sea-cliffs, mesmerising scenery and dozens of deserted white sandy beaches. “County Donegal prides itself with a strong sense of traditional culture and heritage that has influenced Daniel O’Donnell and his music.”Daniel is currently touring England to rave reviews.DANIEL HELPING TO BOOST DONEGAL TOURISM was last modified: March 28th, 2011 by gregShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:daniel o’donnelldonegaltourismlast_img read more

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