Understanding Risk Management and Compliance, What is different after Monday, November 4, 2013

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Contents

  1. Amendment No. 4 to Form S-1
  2. George Lekatis
  3. Are You an Author?
  4. Customers Also Bought Items By

If we fail to grow our user base, or if user engagement or the number of paid engagements with our pay-for-performance Promoted Products, which we refer to as ad engagements, on our platform decline, our revenue, business and operating results may be harmed;. If our users do not continue to contribute content or their contributions are not valuable to other users, we may experience a decline in the number of users accessing our products and services, which could result in the loss of advertisers and revenue;.

We generate the substantial majority of our revenue from advertising, and the loss of advertising revenue could harm our business;. If we are unable to compete effectively for users and advertiser spend, our business and operating results could be harmed;. Our operating results may fluctuate from quarter to quarter, which makes them difficult to predict;. User growth and engagement depend upon effective interoperation with operating systems, networks, devices, web browsers and standards that we do not control;.

If we fail to expand effectively in international markets, our revenue and our business will be harmed;. We anticipate that we will expend substantial funds in connection with the tax liabilities that arise upon the initial settlement of restricted stock units, or RSUs, in connection with this offering, and the manner in which we fund that expenditure may have an adverse effect on our financial condition; and. Channels for Disclosure of Information. Investors, the media and others should note that, following the completion of this offering, we intend to announce material information to the public through filings with the Securities and Exchange Commission, or the SEC, our corporate blog at blog.

We also intend to announce information regarding us and our business, operating results, financial condition and other matters through Tweets on the following Twitter accounts: The information that is tweeted by the foregoing Twitter accounts could be deemed to be material information. As such, we encourage investors, the media and others to follow the Twitter accounts listed above and to review the information tweeted by such accounts.

Any updates to the list of Twitter accounts through which we will announce information will be posted on the investor relations page on our website. Table of Contents Corporate Information. Our website address is www. Information contained on, or that can be accessed through, our website does not constitute part of this prospectus and inclusions of our website address in this prospectus are inactive textual references only. Other trademarks and trade names referred to in this prospectus are the property of their respective owners.

Common stock offered by us. Common stock to be outstanding after this offering. Option to purchase additional shares of common stock from us. The principal purposes of this offering are to increase our capitalization and financial flexibility, create a public market for our common stock and enable access to the public equity markets for us and our stockholders. We intend to use the net proceeds from this offering for general corporate purposes, including working capital, operating expenses and capital expenditures.

We also may use a portion of the net proceeds to satisfy our anticipated tax withholding and remittance obligations related to the settlement of our outstanding RSUs. Additionally, we may use a portion of the net proceeds to acquire businesses, products, services or technologies. However, we do not have agreements or commitments for any material acquisitions at this time.

Except as otherwise indicated, all information in this prospectus assumes: The following tables summarize our consolidated financial and other data. The unaudited interim consolidated financial statements have been prepared on the same basis as the audited consolidated financial statements and reflect, in the opinion of management, all adjustments of a normal, recurring nature that are necessary for a fair statement of the unaudited interim consolidated financial statements. Consolidated Statement of Operations Data: Costs and expenses 1.

Total costs and expenses. Interest income expense , net. Other income expense , net. Loss before income taxes. Provision benefit for income taxes. Deemed dividend to investors in relation to the tender offer. Net loss attributable to common stockholders. Weighted-average shares used to compute net loss per share attributable to common stockholders: Net loss per share attributable to common stockholders: Consolidated Balance Sheet Data: Cash and cash equivalents.

Property and equipment, net. Class A junior preferred stock. These non-GAAP financial measures are not based on any standardized methodology prescribed by GAAP and are not necessarily comparable to similarly-titled measures presented by other companies. We define Adjusted EBITDA as net loss adjusted to exclude stock-based compensation expense, depreciation and amortization expense, interest and other expenses and provision benefit for income taxes. Depreciation and amortization expense. Interest and other expense.

We define non-GAAP net loss as net loss adjusted to exclude stock-based compensation expense, amortization of acquired intangible assets and the income tax effects related to acquisitions. The following table presents a reconciliation of net loss to non-GAAP net loss for each of the periods indicated: Amortization of acquired intangible assets.

Income tax effects related to acquisitions. We believe that Adjusted EBITDA and non-GAAP net loss provide useful information about our operating results, enhance the overall understanding of our past performance and future prospects and allow for greater transparency with respect to key metrics used by our management in its financial and operational decision-making.

We use these measures to establish budgets and operational goals for managing our business and evaluating our performance. We are presenting the non-GAAP measures of Adjusted EBITDA and non-GAAP net loss to assist investors in seeing our operating results through the eyes of management, and because we believe that these measures provide an additional tool for investors to use in comparing our core business operating results over multiple periods with other companies in our industry. These non-GAAP financial measures should not be considered in isolation from, or as a substitute for, financial information prepared in accordance with GAAP.

There are a number of limitations related to the use of these non-GAAP financial measures rather than net loss, which is the nearest GAAP equivalent of these financial measures. Some of these limitations are: These non-GAAP financial measures exclude certain recurring, non-cash charges such as stock-based compensation expense and amortization of acquired intangible assets;. Stock-based compensation expense, which is not reflected in these non-GAAP financial measures, has been, and will continue to be for the foreseeable future, a significant recurring expense in our business and an important part of our compensation strategy;.

Adjusted EBITDA excludes depreciation and amortization expense and, although these are non-cash charges, the property and equipment being depreciated and amortized may have to be replaced in the future; and. The expenses that we exclude in our calculation of these non-GAAP financial measures may differ from the expenses, if any, that our peer companies may exclude from similarly-titled non-GAAP measures when they report their results of operations. Investing in our common stock involves a high degree of risk. The risks and uncertainties described below may not be the only ones we face.

If any of the risks actually occur, our business, financial condition, operating results and prospects could be materially and adversely affected. In that event, the market price of our common stock could decline, and you could lose part or all of your investment. If we fail to grow our user base, or if user engagement or ad engagement on our platform decline, our revenue, business and operating results may be harmed.

Our financial performance has been and will continue to be significantly determined by our success in growing the number of users and increasing their overall level of engagement on our platform as well as the number of ad engagements. We anticipate that our user growth rate will slow over time as the size of our user base increases. For example, in general, a higher proportion of Internet users in the United States uses Twitter than Internet users in other countries and, in the future, we expect our user growth rate in certain international markets, such as Argentina, France, Japan, Russia, Saudi Arabia and South Africa, to continue to be higher than our user growth rate in the United States.

To the extent our user growth rate slows, our success will become increasingly dependent on our ability to increase levels of user engagement and ad engagement on Twitter. We generate a substantial majority of our revenue based upon engagement by our users with the ads that we display. If people do not perceive our products and services to be useful, reliable and trustworthy, we may not be able to attract users or increase the frequency of their engagement with our platform and the ads that we display. A number of consumer-oriented websites that achieved early popularity have since seen their user bases or levels of engagement decline, in some cases precipitously.

There is no guarantee that we will not experience a similar erosion of our user base or engagement levels. A number of factors could potentially negatively affect user growth and engagement, including if: If we are unable to increase our user growth or engagement, or if they decline, this could result in our products and services being less attractive to potential new users, as well as advertisers, which would have a material and adverse impact on our business, financial condition and operating results.

If our users do not continue to contribute content or their contributions are not valuable to other users, we may experience a decline in the number of users accessing our products and services and user engagement, which could result in the loss of advertisers and revenue. Our success depends on our ability to provide users of our products and services with valuable content, which in turn depends on the content contributed by our users.

We believe that one of our competitive advantages is the quality, quantity and real-time nature of the content on Twitter, and that access to unique or real-time content is one of the main reasons users visit Twitter. Our ability to expand into new international markets depends on the availability of relevant local content in those markets.

We seek to foster a broad and engaged user community, and we encourage world leaders, government officials, celebrities, athletes, journalists, sports teams, media outlets and brands to use our products and services to express their views to broad audiences. We also encourage media outlets to use our products and services to distribute their content. If users, including influential users, do not continue to contribute content to Twitter, and we are unable to provide users with valuable and timely content, our user base and user engagement may decline. Additionally, if we are not able to address user concerns regarding the safety and security of our products and services or if we are unable to successfully prevent abusive or other hostile behavior on our platform, the size of our user base and user engagement may decline.

We rely on the sale of advertising services for the substantial majority of our revenue. If we experience a decline in the number of users or a decline in user engagement, including as a result of the loss of world leaders, government officials, celebrities, athletes, journalists, sports teams, media outlets and brands who generate content on Twitter, advertisers may not view our products and services as attractive for their marketing expenditures, and may reduce their spending with us which would harm our business and operating results.

We generate the substantial majority of our revenue from advertising. The loss of advertising revenue could harm our business. The substantial majority of our revenue is currently generated from third parties advertising on Twitter. We generate substantially all of our advertising revenue through the sale of our three Promoted Products: As is common in the industry, our advertisers do not have long-term advertising commitments with us.

In addition, many of our advertisers purchase our advertising services through one of several large advertising agency holding companies. Advertising agencies and potential new advertisers may view our Promoted Products as experimental and unproven, and we may need to devote additional time and resources to educate them about our products and services. Advertisers also may choose to reach users through our free products and services, instead of our Promoted Products.

Advertisers will not continue to do business with us, or they will reduce the prices they are. Table of Contents willing to pay to advertise with us, if we do not deliver ads in an effective manner, or if they do not believe that their investment in advertising with us will generate a competitive return relative to alternatives, including online, mobile and traditional advertising platforms. Our advertising revenue could be adversely affected by a number of other factors, including: The occurrence of any of these or other factors could result in a reduction in demand for our ads, which may reduce the prices we receive for our ads, either of which would negatively affect our revenue and operating results.

Table of Contents If we are unable to compete effectively for users and advertiser spend, our business and operating results could be harmed. Competition for users of our products and services is intense. Although we have developed a new global platform for public self-expression and conversation in real time, we face strong competition in our business.

We compete against many companies to attract and engage users, including companies which have greater financial resources and substantially larger user bases, such as Facebook including Instagram , Google, LinkedIn, Microsoft and Yahoo! For example, Facebook operates a social networking site with significantly more users than Twitter and has been introducing features similar to those of Twitter. In addition, Google may use its strong position in one or more markets to gain a competitive advantage over us in areas in which we operate, including by integrating competing features into products or services they control.

As a result, our competitors may acquire and engage users at the expense of the growth or engagement of our user base, which would negatively affect our business. We believe that our ability to compete effectively for users depends upon many factors both within and beyond our control, including: We also face significant competition for advertiser spend. The substantial majority of our revenue is currently generated through ads on Twitter, and we compete against online and mobile businesses, including those referenced above, and traditional media outlets, such as television, radio and print, for advertising budgets.

In order to grow our revenue and improve our operating results, we must increase our share of spending on advertising relative to our competitors, many of which are larger companies that offer more traditional and widely accepted advertising products. In addition, some of our larger. Table of Contents competitors have substantially broader product or service offerings and leverage their relationships based on other products or services to gain additional share of advertising budgets.

We believe that our ability to compete effectively for advertiser spend depends upon many factors both within and beyond our control, including: In recent years, there have been significant acquisitions and consolidation by and among our actual and potential competitors. We anticipate this trend of consolidation will continue, which will present heightened competitive challenges for our business.

Acquisitions by our competitors may result in reduced functionality of our products and services. As a result, our users may be less likely to click on links to Instagram photos in Tweets, and Instagram users may be less likely to tweet or remain active users of Twitter.

Any similar elimination of integration with Twitter in the future, whether by Facebook or others, may adversely impact our business and operating results. Consolidation may also enable our larger competitors to offer bundled or integrated products that feature alternatives to our platform. If we are not able to compete effectively for users and advertiser spend our business and operating results would be materially and adversely affected. Our operating results may fluctuate from quarter to quarter, which makes them difficult to predict.

Our quarterly operating results have fluctuated in the past and will fluctuate in the future. As a result, our past quarterly operating results are not necessarily indicators of future performance. Our operating results in any given quarter can be influenced by numerous factors, many of which we are unable to predict or are outside of our control, including: Given our limited operating history and the rapidly evolving markets in which we compete, our historical operating results may not be useful to you in predicting our future operating results. We believe our rapid growth may understate the potential seasonality of our business.

As our revenue growth rate slows, we expect that the seasonality in our business may become more pronounced and may in the future cause our operating results to fluctuate. For example, advertising spending is traditionally seasonally strong in the fourth quarter of each year and we believe that this seasonality affects our quarterly results, which generally reflect higher sequential advertising revenue growth from the third to fourth quarter compared to sequential advertising revenue growth from the fourth quarter to the subsequent first quarter.

In addition, global economic concerns continue to create uncertainty and unpredictability and add risk to our future outlook. An economic downturn in any particular region in which we do business or globally could result in reductions in advertising revenue, as our advertisers reduce their advertising budgets, and other adverse effects that could harm our operating results. User growth and engagement depend upon effective interoperation with operating systems, networks, devices, web browsers and standards that we do not control.

We make our products and services available across a variety of operating systems and through websites. We are dependent on the interoperability of our products and services with popular devices, desktop and mobile operating systems and web browsers that we do not control, such as Mac OS, Windows, Android, iOS, Chrome and Firefox. Any changes in such systems, devices or web browsers that degrade the functionality of our products and services or give preferential treatment to competitive. Table of Contents products or services could adversely affect usage of our products and services.

Further, if the number of platforms for which we develop our product expands, it will result in an increase in our operating expenses. In order to deliver high quality products and services, it is important that our products and services work well with a range of operating systems, networks, devices, web browsers and standards that we do not control.

In addition, because a majority of our users access our products and services through mobile devices, we are particularly dependent on the interoperability of our products and services with mobile devices and operating systems. We may not be successful in developing relationships with key participants in the mobile industry or in developing products or services that operate effectively with these operating systems, networks, devices, web browsers and standards.

In the event that it is difficult for our users to access and use our products and services, particularly on their mobile devices, our user growth and engagement could be harmed, and our business and operating results could be adversely affected. If we fail to expand effectively in international markets, our revenue and our business will be harmed. We may not be able to monetize our products and services internationally as effectively as in the United States as a result of competition, advertiser demand, differences in the digital advertising market and digital advertising conventions, as well as differences in the way that users in different countries access or utilize our products and services.

Differences in the competitive landscape in international markets may impact our ability to monetize our products and services. For example, in South Korea we face intense competition from a messaging service offered by Kakao, which offers some of the same communication features as Twitter. The existence of a well-established competitor in an international market may adversely affect our ability to increase our user base, attract advertisers and monetize our products in such market.

We may also experience differences in advertiser demand in international markets. For example, during times of political upheaval, advertisers may choose not to advertise on Twitter. Certain international markets are also not as familiar with digital advertising in general, or in new forms of digital advertising such as our Promoted Products.

Further, we face challenges in providing certain advertising products, features or analytics in certain international markets, such as the European Union, due to government regulation. Our products and services may also be used differently abroad than in the United States. In particular, in certain international markets where Internet access is not as rapid or reliable as in the United States, users tend not to take advantage of certain features of our products and services, such as rich media included in Tweets.

Additionally, in certain emerging markets, such as India, many users access our products and services through feature phones with limited functionality, rather than through smartphones, our website or desktop applications. This limits our ability to deliver certain features to those users and may limit the ability of advertisers to deliver compelling advertisements to users in these markets which may result in reduced ad engagements which would adversely affect our business and operating results. If our revenue from our international operations, and particularly from operations in the countries and regions on which we have focused our spending, does not exceed the expense of establishing and maintaining these operations, our business and operating results will suffer.

In addition, our user base may expand more rapidly in international regions where we are less successful in monetizing our products and services. As our user base continues to expand internationally, we will need to increase revenue from the activity generated by our international users in order to grow our business. Our inability to successfully expand internationally could adversely affect our business, financial condition and operating results. Table of Contents We have a limited operating history in a new and unproven market for our platform, which makes it difficult to evaluate our future prospects and may increase the risk that we will not be successful.

We have developed a global platform for public self-expression and conversation in real time, and the market for our products and services is relatively new and may not develop as expected, if at all. People who are not our users may not understand the value of our products and services and new users may initially find our product confusing.

There may be a perception that our products and services are only useful to users who tweet, or to influential users with large audiences. Convincing potential new users of the value of our products and services is critical to increasing our user base and to the success of our business. We have a limited operating history, and only began to generate revenue in and we started to sell our Promoted Products in , which makes it difficult to effectively assess our future prospects or forecast our future results.

You should consider our business and prospects in light of the risks and challenges we encounter or may encounter in this developing and rapidly evolving market. These risks and challenges include our ability to, among other things: If we fail to educate potential users and potential advertisers about the value of our products and services, if the market for our platform does not develop as we expect or if we fail to address the needs of this market, our business will be harmed.

We may not be able to successfully address these risks and challenges or others. Failure to adequately address these risks and challenges could harm our business and cause our operating results to suffer.

Managing risk in programmes

We have incurred significant operating losses in the past, and we may not be able to achieve or subsequently maintain profitability. Table of Contents will slow in the future as a result of a variety of factors, including the gradual slow down in the growth rate of our user base. We believe that our future revenue growth will depend on, among other factors, our ability to attract new users, increase user engagement and ad engagement, increase our brand awareness, compete effectively, maximize our sales efforts, demonstrate a positive return on investment for advertisers, successfully develop new products and services and expand internationally.

Accordingly, you should not rely on the revenue growth of any prior quarterly or annual period as an indication of our future performance. We also expect our costs to increase in future periods as we continue to expend substantial financial resources on: These investments may not result in increased revenue or growth in our business. In addition, we have granted stock options and RSUs to our employees. RSUs granted to domestic employees before February and all RSUs granted to international employees, or the Pre RSUs, vest upon the satisfaction of both a service condition and a performance condition.

The service condition for a majority of the Pre RSUs is satisfied over a period of four years. The performance condition will be satisfied on the earlier of i the date that is the earlier of x six months after the effective date of this offering or y March 8th of the calendar year following the effective date of this offering which we may elect to accelerate to February 15th ; and ii the date of a change in control. As of September 30, , no stock-based compensation expense had been recognized for the Pre RSUs because a qualifying event as described above was not probable.

In the quarter in which this offering is completed, we will begin recording stock-based compensation expense based on the grant-date fair value of the Pre RSUs using the accelerated attribution method, net of estimated forfeitures. Following the completion of this offering, the stock-based compensation expense related to Pre RSUs and other outstanding equity awards will have a significant negative impact on our ability to achieve profitability on a GAAP basis in and If we are unable to generate adequate revenue growth and to manage our expenses, we may continue to incur significant losses in the future and may not be able to achieve or maintain profitability.

Table of Contents Our business depends on continued and unimpeded access to our products and services on the Internet by our users and advertisers. If we or our users experience disruptions in Internet service or if Internet service providers are able to block, degrade or charge for access to our products and services, we could incur additional expenses and the loss of users and advertisers. We depend on the ability of our users and advertisers to access the Internet.

Currently, this access is provided by companies that have significant market power in the broadband and Internet access marketplace, including incumbent telephone companies, cable companies, mobile communications companies, government-owned service providers, device manufacturers and operating system providers, any of whom could take actions that degrade, disrupt or increase the cost of user access to our products or services, which would, in turn, negatively impact our business. For example, access to Twitter is blocked in China.

The adoption of any laws or regulations that adversely affect the growth, popularity or use of the Internet, including laws or practices limiting Internet neutrality, could decrease the demand for, or the usage of, our products and services, increase our cost of doing business and adversely affect our operating results. We also rely on other companies to maintain reliable network systems that provide adequate speed, data capacity and security to us and our users. As the Internet continues to experience growth in the number of users, frequency of use and amount of data transmitted, the Internet infrastructure that we and our users rely on may be unable to support the demands placed upon it.

The failure of the Internet infrastructure that we or our users rely on, even for a short period of time, could undermine our operations and harm our operating results. Our new products, services and initiatives and changes to existing products, services and initiatives could fail to attract users and advertisers or generate revenue. Our ability to increase the size and engagement of our user base, attract advertisers and generate revenue will depend in part on our ability to create successful new products and services, both independently and in conjunction with third parties.

We may introduce significant changes to our existing products and services or develop and introduce new and unproven products and services, including technologies with which we have little or no prior development or operating experience. For example, in , we introduced Vine, a mobile application that enables users to create and distribute videos that are up to six seconds in length, and Music, a mobile application that helps users discover new music and artists based on Twitter data.

If new or enhanced products or services fail to engage users and advertisers, we may fail to attract or retain users or to generate sufficient revenue or operating profit to justify our investments, and our business and operating results could be adversely affected. In addition, we have launched and expect to continue to launch strategic initiatives, such as the Nielsen Twitter TV Rating, that do not directly generate revenue but which we believe will enhance our attractiveness to users and advertisers.

In the future, we may invest in new products, services and initiatives to generate revenue, but there is no guarantee these approaches will be successful. We may not be successful in future efforts to generate revenue from our new products or services. If our strategic initiatives do not enhance our ability to monetize our existing products and services or enable us to develop new approaches to monetization, we may not be able to maintain or grow our revenue or recover any associated development costs and our operating results could be adversely affected.

Spam could diminish the user experience on our platform, which could damage our reputation and deter our current and potential users from using our products and services. This includes posting large numbers of unsolicited mentions of a user, duplicate Tweets, misleading links e. Table of Contents un-following accounts, adding users to lists, sending invitations, retweeting and favoriting Tweets to inappropriately attract attention.

Our terms of service also prohibit the creation of serial or bulk accounts, both manually or using automation, for disruptive or abusive purposes, such as to tweet spam or to artificially inflate the popularity of users seeking to promote themselves on Twitter. Although we continue to invest resources to reduce spam on Twitter, we expect spammers will continue to seek ways to act inappropriately on our platform.

In addition, we expect that increases in the number of users on our platform will result in increased efforts by spammers to misuse our platform. We continuously combat spam, including by suspending or terminating accounts we believe to be spammers and launching algorithmic changes focused on curbing abusive activities. Our actions to combat spam require the diversion of significant time and focus of our engineering team from improving our products and services. If spam increases on Twitter, this could hurt our reputation for delivering relevant content or reduce user growth and user engagement and result in continuing operational cost to us.

If we fail to effectively manage our growth, our business and operating results could be harmed. We continue to experience rapid growth in our headcount and operations, which will continue to place significant demands on our management, operational and financial infrastructure. We intend to continue to make substantial investments to expand our operations, research and development, sales and marketing and general and administrative organizations, as well as our international operations. We face significant competition for employees, particularly engineers, designers and product managers, from other Internet and high-growth companies, which include both publicly-traded and privately-held companies, and we may not be able to hire new employees quickly enough to meet our needs.

To attract highly skilled personnel, we have had to offer, and believe we will need to continue to offer, highly competitive compensation packages. In addition, as we have grown, we have significantly expanded our operating lease commitments. As we continue to grow, we are subject to the risks of over-hiring, over-compensating our employees and over-expanding our operating infrastructure, and to the challenges of integrating, developing and motivating a rapidly growing employee base in various countries around the world.

In addition, we may not be able to innovate or execute as quickly as a smaller, more efficient organization. If we fail to effectively manage our hiring needs and successfully integrate our new hires, our efficiency and ability to meet our forecasts and our employee morale, productivity and retention could suffer, and our business and operating results could be adversely affected.

Providing our products and services to our users is costly and we expect our expenses to continue to increase in the future as we broaden our user base and increase user engagement, as users increase the amount of content they contribute, and as we develop and implement new features, products and services that require more infrastructure, such as our mobile video product, Vine.

In addition, our operating expenses, such as our research and development expenses and sales and marketing expenses, have grown rapidly as we have expanded our business.


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Historically, our costs have increased each year due to these factors and we expect to continue to incur increasing costs to support our anticipated future growth. We expect to continue to invest in our infrastructure in order to enable us to provide our products and services rapidly and reliably to users around the world, including in countries where we do not expect significant near-term monetization. Continued growth could also strain our ability to maintain reliable service levels for our users and advertisers, develop and improve our operational, financial, legal and management controls, and enhance our reporting systems and procedures.

Amendment No. 4 to Form S-1

As a public company we will incur significant legal, accounting and other expenses that we did not incur as a private company. Our expenses may grow faster than our revenue, and our expenses may be greater than we anticipate. Managing our growth will require significant expenditures. Table of Contents and allocation of valuable management resources.

If we fail to achieve the necessary level of efficiency in our organization as it grows, our business, operating results and financial condition would be harmed. Our business and operating results may be harmed by a disruption in our service, or by our failure to timely and effectively scale and adapt our existing technology and infrastructure.

One of the reasons people come to Twitter is for real-time information. We have experienced, and may in the future experience, service disruptions, outages and other performance problems due to a variety of factors, including infrastructure changes, human or software errors, hardware failure, capacity constraints due to an overwhelming number of people accessing our products and services simultaneously, computer viruses and denial of service or fraud or security attacks. Although we are investing significantly to improve the capacity, capability and reliability of our infrastructure, we are not currently serving traffic equally through our co-located data centers that support our platform.

Accordingly, in the event of a significant issue at the data center supporting most of our network traffic, some of our products and services may become inaccessible to the public or the public may experience difficulties accessing our products and services. For example, in July , due to the failure of two parallel systems at nearly the same time in one of our data centers, Twitter became inaccessible for approximately two hours. Any disruption or failure in our infrastructure could hinder our ability to handle existing or increased traffic on our platform, which could significantly harm our business.

As the number of our users increases and our users generate more content, including photos and videos hosted by Twitter, we may be required to expand and adapt our technology and infrastructure to continue to reliably store, serve and analyze this content. It may become increasingly difficult to maintain and improve the performance of our products and services, especially during peak usage times, as our products and services become more complex and our user traffic increases.

In addition, because we lease our data center facilities, we cannot be assured that we will be able to expand our data center infrastructure to meet user demand in a timely manner, or on favorable economic terms. If our users are unable to access Twitter or we are not able to make information available rapidly on Twitter, users may seek other channels to obtain the information, and may not return to Twitter or use Twitter as often in the future, or at all.

This would negatively impact our ability to attract users and advertisers and increase engagement of our users. We expect to continue to make significant investments to maintain and improve the capacity, capability and reliability of our infrastructure. To the extent that we do not effectively address capacity constraints, upgrade our systems as needed and continually develop our technology and infrastructure to accommodate actual and anticipated changes in technology, our business and operating results may be harmed. Action by governments to restrict access to our products and services or censor Twitter content could harm our business and operating results.

Governments have sought, and may in the future seek, to censor content available through our products and services, restrict access to our products and services from their country entirely or impose other restrictions that may affect the accessibility of our products and services for an extended period of time or indefinitely. For example, domestic Internet service providers in China have blocked access to Twitter, and other countries, including Iran, Libya, Pakistan and Syria, have intermittently restricted access to Twitter, and we believe that access to Twitter has been blocked in these countries primarily for political reasons.

In addition, governments in other countries may seek to restrict access to our products and services if they consider us to be in violation of their laws. In the event that access to our products and services is restricted, in whole or in part, in one or more countries or our competitors are able to successfully penetrate geographic markets that we cannot access, our ability to retain or increase our user base and user engagement may be adversely affected, and our operating results may be harmed.

Table of Contents If we are unable to maintain and promote our brand, our business and operating results may be harmed. We believe that maintaining and promoting our brand is critical to expanding our base of users and advertisers. Maintaining and promoting our brand will depend largely on our ability to continue to provide useful, reliable and innovative products and services, which we may not do successfully.

George Lekatis

We may introduce new features, products, services or terms of service that users, platform partners or advertisers do not like, which may negatively affect our brand. Additionally, the actions of platform partners may affect our brand if users do not have a positive experience using third-party applications or websites integrated with Twitter or that make use of Twitter content. The attackers posted an erroneous Tweet from the Associated Press account reporting that there had been explosions at the White House, triggering a stock market decline, and focusing media attention on our brand and security efforts.

Maintaining and enhancing our brand may require us to make substantial investments and these investments may not achieve the desired goals. If we fail to successfully promote and maintain our brand or if we incur excessive expenses in this effort, our business and operating results could be adversely affected. Negative publicity could adversely affect our business and operating results.

We receive a high degree of media coverage around the world. Negative publicity about our company, including about our product quality and reliability, changes to our products and services, privacy and security practices, litigation, regulatory activity, the actions of our users or user experience with our products and services, even if inaccurate, could adversely affect our reputation and the confidence in and the use of our products and services. For example, service outages on Twitter typically result in widespread media reports.

Such negative publicity could also have an adverse effect on the size, engagement and loyalty of our user base and result in decreased revenue, which could adversely affect our business and operating results. Our future performance depends in part on support from platform partners and data partners.

We believe user engagement with our products and services depends in part on the availability of applications and content generated by platform partners. Beginning in , we launched Twitter Cards, which allow platform partners to ensure that whenever they or any user tweets from their websites or applications, the Tweet will automatically include rich content like a photo, a video, a sound clip, an article summary or information about a product, and make it instantly accessible to any other user on Twitter. Twitter Cards allow platform partners to create lightweight interactive applications to promote their content or their products.

If platform partners focus their efforts on other platforms, the availability and quality of applications and content for our products and services may suffer. There is no assurance that platform partners will continue to develop and maintain applications and content for our products and services. If platform partners cease to develop and maintain applications and content for our products and services, user engagement may decline. In addition, we generate revenue from licensing our historical and real-time data to third parties.

If any of these relationships are terminated or not renewed, or if we are unable to enter into similar relationships in the future, our operating results could be adversely affected. Table of Contents We focus on product innovation and user engagement rather than short-term operating results. We encourage employees to quickly develop and help us launch new and innovative features. We focus on improving the user experience for our products and services and on developing new and improved products and services for the advertisers on our platform.

We prioritize innovation and the experience for users and advertisers on our platform over short-term operating results. We frequently make product and service decisions that may reduce our short-term operating results if we believe that the decisions are consistent with our goals to improve the user experience and performance for advertisers, which we believe will improve our operating results over the long term. These decisions may not be consistent with the short-term expectations of investors and may not produce the long-term benefits that we expect, in which case our user growth and user engagement, our relationships with advertisers and our business and operating results could be harmed.

In addition, our focus on the user experience may negatively impact our relationships with our existing or prospective advertisers. This could result in a loss of advertisers, which could harm our revenue and operating results. Our international operations are subject to increased challenges and risks. We have offices around the world and our products and services are available in multiple languages.

We expect to continue to expand our international operations in the future by opening offices in new jurisdictions and expanding our offerings in new languages. However, we have limited operating history outside the United States, and our ability to manage our business and conduct our operations internationally requires considerable management attention and resources and is subject to the particular challenges of supporting a rapidly growing business in an environment of multiple languages, cultures, customs, legal and regulatory systems, alternative dispute systems and commercial markets.

International expansion has required and will continue to require us to invest significant funds and other resources. Operating internationally subjects us to new risks and may increase risks that we currently face, including risks associated with: Bribery Act, including by our business partners;. If we are unable to manage the complexity of our global operations successfully, our business, financial condition and operating results could be adversely affected. Our products and services may contain undetected software errors, which could harm our business and operating results.

Our products and services incorporate complex software and we encourage employees to quickly develop and help us launch new and innovative features. Our software has contained, and may now or in the future contain, errors, bugs or vulnerabilities. For example, we experienced a service outage in June during which Twitter service was inaccessible for approximately two hours as a result of a cascading software bug in one of our infrastructure components.

Some errors in our software code may only be discovered after the product or service has been released. Any errors, bugs or vulnerabilities discovered in our code after release could result in damage to our reputation, loss of users, loss of platform partners, loss of advertisers or advertising revenue or liability for damages, any of which could adversely affect our business and operating results.

Our business is subject to complex and evolving U. These laws and regulations are subject to change and uncertain interpretation, and could result in claims, changes to our business practices, monetary penalties, increased cost of operations or declines in user growth, user engagement or ad engagement, or otherwise harm our business. We are subject to a variety of laws and regulations in the United States and abroad that involve matters central to our business, including privacy, rights of publicity, data protection, content regulation, intellectual property, competition, protection of minors, consumer protection and taxation.

Many of these laws and regulations are still evolving and being tested in courts and could be interpreted or applied in ways that could harm our business, particularly in the new and rapidly evolving industry in which we operate. The introduction of new products or services may subject us to additional laws and regulations. In addition, foreign data protection, privacy, consumer protection, content regulation and other laws and regulations are often more restrictive than those in the United States.

In particular, the European Union and its member states traditionally have taken broader views as to types of data that are subject to privacy and data protection, and have imposed greater legal obligations on companies in this regard. A number of proposals are pending before federal, state and foreign legislative and regulatory bodies that could significantly affect our business.

For example, regulation relating to the European Union Data Protection Directive is currently being considered by European legislative bodies that may include more stringent operational requirements for entities processing personal information and significant penalties for non-compliance. Similarly, there have been a number of recent. Table of Contents legislative proposals in the United States, at both the federal and state level, that would impose new obligations in areas such as privacy and liability for copyright infringement by third parties.

Additionally, recent amendments to U. We currently allow use of our platform without the collection of extensive personal information, such as age. We may experience additional pressure to expand our collection of personal information in order to comply with new and additional regulatory demands or we may independently decide to do so.

Having additional personal information may subject us to additional regulation. Further, it is difficult to predict how existing laws and regulations will be applied to our business and the new laws and regulations to which we may become subject, and it is possible that they may be interpreted and applied in a manner that is inconsistent with our practices. These existing and proposed laws and regulations can be costly to comply with and can delay or impede the development of new products and services, result in negative publicity, significantly increase our operating costs, require significant time and attention of management and technical personnel and subject us to inquiries or investigations, claims or other remedies, including fines or demands that we modify or cease existing business practices.

Regulatory investigations and settlements could cause us to incur additional expenses or change our business practices in a manner materially adverse to our business. We have been subject to regulatory investigations in the past, and expect to continue to be subject to regulatory scrutiny as our business grows and awareness of our brand increases. In March , to resolve an investigation into various incidents, we entered into a settlement agreement with the FTC that, among other things, requires us to establish an information security program designed to protect non-public consumer information and also requires that we obtain biennial independent security assessments.

We expect to continue to be the subject of regulatory inquiries, investigations and audits in the future by the FTC and other regulators around the world. Allen McLellan Wednesday, January 16th, - 1: Turner Wednesday, January 16th, - Deborah Crawford Tuesday, January 15th, - How to comply with all the new account opening procedures using the online mechanism, and meet examiner expectations and scrutiny. Buzz Hillestad Monday, January 14th, - 1: Core steps required for most incidents will be highlighted and specialized components for DDOS, malware, ransomware, CATO, and unauthorized access incident types will be examined.

Deborah Crawford Thursday, January 10th, - 1: During this webinar, we will take the core document from deposit accounts documentation and set up a working document so that you can tailor your procedures into the framework we will provide. McGuinn Thursday, January 3rd, - Regardless of the size of your safe deposit operation, this presentation provides a realistic and well-organized method of reviewing your procedures before a lawsuit occurs. Deborah Crawford Thursday, December 20th, - This webinar will look help your frontline protect your customer and your financial institution from common scams.

Deborah Crawford Wednesday, December 19th, - Arvin Clar Monday, December 17th, - 1: This program will discuss advance preparation, the actual robbery event, and what the financial institution needs to support staff after the robbery.

Deborah Crawford This event was recorded on Friday, December 14th, These fundamental rules will keep your officers and your account representatives from creating liability and future losses on the deposit side of your organization. Deborah Crawford This event was recorded on Thursday, December 13th, Chad Knutson This event was recorded on Thursday, December 13th, Explore the fundamental building blocks of a repeatable framework for cybersecurity and information security issues. Deborah Crawford This event was recorded on Tuesday, December 11th, Thomas This event was recorded on Tuesday, December 11th, Notaries and others will learn best practices for dealing with issues unique to the financial industry.

Deborah Crawford This event was recorded on Thursday, December 6th, Carl Pry This event was recorded on Wednesday, December 5th, Learn about the many forms financial institutions must report, with an emphasis on when and exactly what to report. Robin Russell This event was recorded on Tuesday, December 4th, Carl Pry This event was recorded on Tuesday, December 4th, McGuinn This event was recorded on Thursday, November 29th, Robin Russell This event was recorded on Wednesday, November 28th, Learn about agricultural collateral, risk management, loan documentation, loan administration and loan monitoring.

Susan Orr This event was recorded on Monday, November 19th, Susan Orr has assisted numerous institutions with developing their Outsourced Third Party Risk Management Program and will share her insights into developing an effective program in this webinar. Carl Pry This event was recorded on Friday, November 16th, In these two sessions, we'll talk about where the risk areas are and where examiners are criticizing institutions. Your comprehensive program must be continually updated, and we'll make sure you have the information you need to meet expectations.

Thomas This event was recorded on Thursday, November 15th, This two-hour presentation will provide financial institution personnel with best practices to use in dealing with these complex legal documents. Carol Dodgen This event was recorded on Tuesday, November 13th, In this presentation, we will analyze recent cases to identify unheeded warnings, and then identify physical security measures and procedures that either were not in place or were ignored.

Thomas This event was recorded on Tuesday, November 13th, This two-hour presentation will provide financial institution personnel with best practices to use when dealing with these complex legal documents. Robin Russell This event was recorded on Wednesday, November 7th, This program covers important legal issues and concepts which must be understood and consistently applied to avoid litigation and better serve customers.

Jon Waldman This event was recorded on Wednesday, November 7th, During our session, we will explore traditional ways education has been deployed and look to improve those processes with more advanced and effective methods of patching our people. Susan Costonis This event was recorded on Tuesday, October 30th, What steps must be followed to be in compliance with E-Sign? Marci Malzahn This event was recorded on Thursday, October 25th, Robin Russell This event was recorded on Friday, October 19th, Susan Costonis This event was recorded on Tuesday, October 16th, Our topic for the webinar will focus on several simple steps to handle Reg E customer disputes and inquiries.

Chad Knutson This event was recorded on Thursday, October 11th, A solid understanding of all the cybersecurity related guidance is key in ensuring as aspects of cybersecurity compliance are being addressed. Carl Pry This event was recorded on Wednesday, October 10th, As the compliance environment becomes more complex, your marketing department must stay on top of all the rules and regulations.

This session can help. Consent, Compliance and Communication. Thomas This event was recorded on Tuesday, October 9th, Turner This event was recorded on Thursday, October 4th, In this webinar, Lie Detection expert J. Turner will guide you through various skills you can use to detect when you are being lied to and give you suggestions for finding the truth. Randall Phillips This event was recorded on Tuesday, October 2nd, This program will take a look inside the head of a bank robber. Learn what their motivating factors are and why they do what they do.

Jon Waldman This event was recorded on Friday, September 28th, In this presentation, we will review both processes; best practices using each, comparison of their differences, and how to leverage them together. This webinar will focus on the complex state unclaimed property reporting requirements and the unique challenges facing financial institutions.

This webinar will educate course attendees in the ways in which business tax returns are both similar to and differ from conventional financial statements. Chad Knutson This event was recorded on Friday, September 21st, In this session we will explore possible threats that we should be prepared for and how to build a program to protect against them. Jack Holzknecht This event was recorded on Tuesday, September 18th, This two-hour webinar provides a comprehensive review of all the ATR options, including the existing and new QM options.

Thomas This event was recorded on Tuesday, September 18th, Jon Waldman This event was recorded on Friday, September 14th, Susan Orr This event was recorded on Friday, September 7th, The FFIEC released guidance on social media risk management that was intended in part to help financial institutions successfully manage the potential risks with social media. Become familiar with this important guidance.

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Thomas This event was recorded on Thursday, September 6th, Thomas This event was recorded on Wednesday, September 5th, McGuinn This event was recorded on Thursday, August 30th, At this workshop you will receive current information, step by step procedures and an in-depth explanation about how to handle these issues and how they impact on your financial institution and your safe deposit box renters.

Kate Cole This event was recorded on Wednesday, August 29th, Kate Cole This event was recorded on Tuesday, August 28th, Ann Thomas This event was recorded on Friday, August 17th, The webinar will cover the latest revisions, including any changes resulting from the banking bill recently signed by President Trump. Jon Waldman This event was recorded on Thursday, August 16th, We will explore the different types of SOC reports provided by vendors and highlight the best items that should be requested from vendors.

Marci Malzahn This event was recorded on Tuesday, August 14th, You will walk away from this webinar with practical tools and examples you can implement in your organization immediately. David Dickinson This event was recorded on Tuesday, August 14th, Join us for a two-hour webinar on Compliance Management. All banks should have an effective Compliance Management System. Deborah Crawford This event was recorded on Wednesday, August 8th, Laura Wilson This event was recorded on Monday, August 6th, Deborah Crawford This event was recorded on Thursday, August 2nd, This webinar will focus on how to conduct the new account interview to obtain the nature, purpose and transactional questions to surface our high-risk customers.

Jeffery Johnson This event was recorded on Thursday, August 2nd, This program is designed to review the elements and thought process in establishing and maintaining an adequate ALLL level under the new regulatory guidance referred to as CECL. Marci Malzahn This event was recorded on Tuesday, July 24th, This webinar will take you through a step-by-step process to develop Risk Assessments to address key areas of your institution.

Kate Cole This event was recorded on Tuesday, July 24th, In this session we will explain why you need to be compliant with the ACH Rules and the ramifications if you are not. Susan Orr This event was recorded on Monday, July 23rd, Robin Russell This event was recorded on Wednesday, July 18th, Everything a commercial loan officer should know about the core commercial loan documentation package.

Thomas This event was recorded on Tuesday, July 17th, Philip Vassallo This event was recorded on Thursday, July 12th, This webinar provides a systematic, top-down approach to business-writing situations that includes the key principles of focused, thorough, organized, and articulate financial documents.

Jon Waldman This event was recorded on Thursday, July 12th, This session is intended to ensure that ATM security has moved up on your radar and been properly integrated into your risk assessment program. Susan Orr This event was recorded on Wednesday, July 11th, McGuinn This event was recorded on Thursday, June 28th, Thomas This event was recorded on Tuesday, June 19th, Deborah Crawford This event was recorded on Thursday, June 7th, This is a "must attend" webinar to learn about risks, liability and losses that can occur due to signature card contracts and, most importantly, how to avoid these issues!

Chad Knutson This event was recorded on Thursday, June 7th, We have identified the top 25 most common baseline controls not implemented by financial institutions. Kate Cole This event was recorded on Tuesday, May 15th, Deborah Crawford This event was recorded on Thursday, May 10th, This program is an A-Z on account ownership and documentation. It is a must for anyone who opens or manages new accounts.

Chad Knutson This event was recorded on Thursday, May 10th, Chad Knutson This event was recorded on Tuesday, May 8th, This session will discuss the major risks that we face and outline a vulnerability management program that will strengthen the security in your institution. Deborah Crawford This event was recorded on Thursday, May 3rd, This webinar will cover standard trust-opening procedures and many questions that arise as trusts and account holder situations change.

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Thomas This event was recorded on Thursday, May 3rd, Deborah Crawford This event was recorded on Tuesday, May 1st, Thomas This event was recorded on Tuesday, May 1st, Deborah Crawford This event was recorded on Monday, April 30th, Deborah Crawford This event was recorded on Friday, April 27th, This program will have up to the minute information on Customer Due Diligence from the procedural side. Deborah Crawford This event was recorded on Thursday, April 26th, McGuinn This event was recorded on Thursday, April 26th, Marci Malzahn This event was recorded on Wednesday, April 25th, You will learn how to put your program together using all the parts you already have in your bank.

Deborah Crawford This event was recorded on Thursday, April 19th, Carl Pry This event was recorded on Thursday, April 19th, Carol Dodgen This event was recorded on Wednesday, April 18th, In this session, we will discuss methods of robbery prevention, including policies and physical security, as well as robbery response. Jerod Moyer This event was recorded on Tuesday, April 17th, Deborah Crawford This event was recorded on Thursday, April 12th, This program will look line-by-line at the regulation and point out avenues of change to explore in Susan Costonis This event was recorded on Wednesday, April 11th, Chad Knutson This event was recorded on Thursday, April 5th, Robin Russell This event was recorded on Wednesday, April 4th, Susan Orr This event was recorded on Wednesday, April 4th, When it comes to information and cyber security the responsibility falls at several levels including the Board of Directors and Senior Management.

Carl Pry This event was recorded on Wednesday, March 28th, Records management is the point of convergence of these resources, which is why effective and reliable records management must be part of your Compliance Program. Thomas This event was recorded on Tuesday, March 27th, Bob Gregg This event was recorded on Monday, March 26th, Thomas This event was recorded on Thursday, March 22nd, Thomas This event was recorded on Tuesday, March 20th, Deborah Crawford This event was recorded on Thursday, March 15th, Learn about checks, IRAs, deposit ownership, trusts, UTMA, affidavits of heirship and other complex issues that can occur when a customer dies.

Chad Knutson This event was recorded on Thursday, March 15th, We will explore the different aspects of the internet, including the surface web, deep web, and dark web. Deborah Crawford This event was recorded on Wednesday, March 14th, The two sections of this webinar provide a line-by-line look at the forms and your requirements to file. Time lines, identification, RSSDs, and exemptions will all be covered. Robin Russell This event was recorded on Thursday, March 1st, Bob Gregg This event was recorded on Thursday, March 1st, Learn about legal and practical issues related to workplace violence, including the ADA Direct Threat standards.

We'll also address policies and best practices. Kate Cole This event was recorded on Wednesday, February 28th, Chad Knutson This event was recorded on Thursday, February 22nd, Join us to recap the statistics related to ransomware and learn how to prepare for this growing threat. Ann Thomas This event was recorded on Friday, February 16th, Suzie Jones This event was recorded on Tuesday, February 13th, This webinar will delve into the responsibilities of collecting appropriate documentation, providing ownership options, titling accounts correctly, and allowing proper access to Trust, Fiduciary and Minor accounts not only during lifetime but at the death of a signer as well.

McGuinn This event was recorded on Tuesday, February 13th, At this workshop you will receive current information about all these issues and an in-depth explanation about how they impact on your financial institution and your safe deposit box renters. Suzie Jones This event was recorded on Thursday, February 8th, This two hour webinar examines not only the compliance requirements on business entities available in most states but clearly indentifies who has authority to open and transact on the account.

Chad Knutson This event was recorded on Thursday, February 8th, Suzie Jones This event was recorded on Tuesday, February 6th, This two-hour workshop focuses on the new account opening procedures and compliance requirements for Personal and Consumer Accounts. Susan Orr This event was recorded on Thursday, February 1st, We'll outline the detailed information you should add to your documents and processes to support a thorough due diligence, risk assessment, and annual oversight of your customers.

Thomas This event was recorded on Thursday, February 1st, Thomas This event was recorded on Wednesday, January 31st, Turner This event was recorded on Thursday, January 25th, Patrice Konarik This event was recorded on Tuesday, January 23rd, This 2 hour extremely informative webinar will give you the information you need to make sure you are setting the accounts up correctly and performing the proper maintenance and reporting.

Chad Knutson This event was recorded on Wednesday, January 10th, Jeffery Johnson This event was recorded on Wednesday, January 3rd, Carl Pry This event was recorded on Tuesday, December 19th, Kate Cole This event was recorded on Friday, December 15th, Learn the differences between the Green Book and the ACH Rules, with a focus on enrollment, payment processing, reclamations and limiting your liability. Thomas This event was recorded on Tuesday, December 12th, Robin Russell This event was recorded on Friday, December 8th, Deborah Crawford This event was recorded on Wednesday, December 6th, Jon Waldman This event was recorded on Wednesday, December 6th, As the year slowly winds down, join us for a review on major information security events in and a brief look forward at what is to come in Barry Thompson This event was recorded on Thursday, November 30th, This program will cover all the necessary steps your staff needs to sustain a safe workplace in your financial institution.

Randall Phillips This event was recorded on Wednesday, November 29th, Learn the importance of a proper investigation, how to conduct one and how to accomplish an interview. Thomas This event was recorded on Tuesday, November 28th, Susan Orr This event was recorded on Monday, November 20th, We will cover the regulatory requirements including state level data breach notification laws and focus on the elements of an Incident Response Plan and how you can help prevent a breach.

Thomas This event was recorded on Thursday, November 16th, Deborah Crawford This event was recorded on Thursday, November 16th, Carol Dodgen This event was recorded on Wednesday, November 8th, Jon Waldman This event was recorded on Tuesday, November 7th, Carl Pry This event was recorded on Monday, November 6th, Virtually all the federal regulators have issued guidance on what should be present in an effective CMS. We will explore those expectations. Deborah Crawford This event was recorded on Thursday, November 2nd, Deborah Crawford This event was recorded on Tuesday, October 31st, This program will serve as an introduction as to the broader aspects of the concept of the UDAAP risk assessment and how to assemble all the pieces to get the job done.

Carl Pry This event was recorded on Wednesday, October 25th, Randall Phillips This event was recorded on Wednesday, October 25th, Jon Waldman This event was recorded on Friday, October 20th, Chad Knutson This event was recorded on Tuesday, October 17th, Thomas This event was recorded on Wednesday, October 11th, A review of the final amendments to Regulation CC, which will impact fraud loss allocation and backroom check processing operations, set to take effect July 1, Thomas This event was recorded on Tuesday, October 10th, Kate Cole This event was recorded on Thursday, October 5th, Robin Russell This event was recorded on Wednesday, October 4th, Chad Knutson This event was recorded on Tuesday, October 3rd, Deborah Crawford This event was recorded on Thursday, September 28th, This webinar will look at the critical issues of each of these components and how they relate to your overall goal to prevent financial crimes.

Deborah Crawford This event was recorded on Wednesday, September 27th, This webinar will cover the accounts that receive government benefits, such as social security and veterans accounts. Thomas This event was recorded on Tuesday, September 26th, Attend this overview of SJR 60 and learn how these changes, if passed, may benefit your bank and your customers. Gary Nesbitt This event was recorded on Wednesday, September 20th, This webinar will cover the basic elements of wire transfers and how they differ from other types of payment channels.

Chad Knutson This event was recorded on Tuesday, September 19th, Many directors would benefit from additional training on your Information Security Program, cybersecurity threats, and emerging technology risks. Deborah Crawford This event was recorded on Monday, September 18th, Robin Russell This event was recorded on Thursday, September 14th, Thomas This event was recorded on Thursday, September 14th, Carol Dodgen This event was recorded on Wednesday, September 13th, Attendees will gain an understanding of CPTED and how they can apply these methods when conducting assessments of their facilities.

Thomas This event was recorded on Tuesday, September 12th, Deborah Crawford This event was recorded on Wednesday, September 6th, Deborah Crawford This event was recorded on Thursday, August 31st, Ann Thomas This event was recorded on Wednesday, August 23rd, The webinar will cover the latest revisions and recently approved changes to the call report, as well as updates due to revisions in accounting standards. Deborah Crawford This event was recorded on Wednesday, August 23rd, Kate Cole This event was recorded on Friday, August 18th, This course is designed as an introduction for the novice payments professional into the world of ACH or as a solid refresher for the payments veteran.

Deborah Crawford This event was recorded on Thursday, August 17th, These 10 fundamental rules will keep your officers and your account representatives from creating liability and future losses on the deposit side of your organization. Kate Cole This event was recorded on Wednesday, August 16th, Jon Waldman This event was recorded on Wednesday, August 16th, Our goal is to help attendees see the value in the assessment tool, the changes introduced in version 1.

Kate Cole This event was recorded on Friday, August 11th, Kate Cole This event was recorded on Friday, August 4th, Chad Knutson This event was recorded on Thursday, August 3rd, This discussion will review strong risk management processes and identify critical elements for building layered information security controls into your security program. Susan Costonis This event was recorded on Wednesday, August 2nd, Will your financial institution experience more debit card fraud investigation in ?

Learn steps for handling disputes, plus time frames for resolving unauthorized transaction claims. Laura Wilson This event was recorded on Wednesday, August 2nd, This webinar is designed to assist bank management in the development of the required internal program and train staff to recognize signs of financial exploitation of vulnerable adults. Robin Russell This event was recorded on Wednesday, July 26th, Laura Wilson This event was recorded on Wednesday, July 26th, This webinar reviews the new sections of the law and provides an overview of the Durable Power of Attorney Act in its entirety.

Jon Waldman This event was recorded on Tuesday, July 25th, Jeffery Johnson This event was recorded on Monday, July 24th, Kate Cole This event was recorded on Friday, July 21st, Chad Knutson This event was recorded on Thursday, July 20th, Don Blaine This event was recorded on Wednesday, July 19th, You will be provided the knowledge to conduct a risk assessment for all key compliance areas at your bank following this program.

Laura Wilson This event was recorded on Wednesday, July 19th, This is a series to be held on July 19, 26, and August 2. The prices include all sessions. Each session can also be attended individually. Chad Knutson This event was recorded on Thursday, July 13th, We will review CATO cases, important considerations, and the outcome for the financial institution. Deborah Crawford This event was recorded on Wednesday, July 12th, Thomas This event was recorded on Tuesday, July 11th, Deborah Crawford This event was recorded on Wednesday, June 28th, Deborah Crawford This event was recorded on Thursday, June 22nd, Susan Costonis This event was recorded on Wednesday, June 21st, Carl Pry This event was recorded on Tuesday, June 20th, Kate Cole This event was recorded on Friday, June 16th, We will help you understand the compliance requirements associated with processing ACH entries on a day-to-day basis.

Kate Cole This event was recorded on Wednesday, June 14th, This webinar is designed to help you understand the risks associated with the ACH and how to help mitigate those risks. This webinar series is designed to help you understand the risks associated with the ACH and how to help mitigate those risks. Deborah Crawford This event was recorded on Thursday, June 8th, We will take the core document from deposit accounts documentation and set up a working document so that you can tailor your procedures into the framework we will provide. Marci Malzahn This event was recorded on Tuesday, June 6th, This webinar will take you through a step-by-step process to develop three key Risk Assessments you must have as critical components of your ERM Program.

Thomas This event was recorded on Tuesday, June 6th, Chad Knutson This event was recorded on Thursday, May 25th, Carl Pry This event was recorded on Tuesday, May 23rd, Deborah Crawford This event was recorded on Tuesday, May 23rd, Honey Shelton This event was recorded on Monday, May 22nd, If your institution attends at least 5 webinars per year, a webinar subscription package is a no-brainer!

Thomas This event was recorded on Tuesday, May 16th, David Osburn This event was recorded on Monday, May 15th, Thomas This event was recorded on Thursday, May 11th, Chad Knutson This event was recorded on Thursday, May 4th, Deborah Crawford This event was recorded on Tuesday, May 2nd, Kate Cole This event was recorded on Thursday, April 27th, Susan Fonteno This event was recorded on Wednesday, April 26th, We'll discuss the responsibilities of collecting correct documentation, titling the account correctly, choosing the correct ownership and allowing proper access to the account.

Chad Knutson This event was recorded on Thursday, April 20th, Carol Dodgen This event was recorded on Wednesday, April 19th, Suzie Jones This event was recorded on Tuesday, April 18th, We'll investigate the types of business entities available in most states and clarify who has authority to open the account and ultimately sign the resolutions. Robin Russell This event was recorded on Thursday, April 13th, McGuinn This event was recorded on Wednesday, April 12th, Get a realistic and well-organized method of reviewing and auditing your procedures before a catastrophe occurs.

Patrice Konarik This event was recorded on Tuesday, April 11th, Jerod Moyer This event was recorded on Thursday, April 6th, Susan Costonis This event was recorded on Wednesday, April 5th, Robin Russell This event was recorded on Tuesday, April 4th, Chad Knutson This event was recorded on Monday, April 3rd, This session will review technology trends and emerging FinTech, the shift in cybercrime, and discuss the associated risks which must be considered to successfully extract strategic value for the institution.

Are the current options used by your institution to determine if the mortgage is qualified still available? Don Blaine This event was recorded on Monday, March 27th, Key bank personnel can learn to oversee the validation process and ensure your bank meets regulatory and audit expectations. Bob Gregg This event was recorded on Friday, March 24th, Understanding how the internet is leveraged for crime gives us a better understanding how to protect our institutions.

Thomas This event was recorded on Thursday, March 16th, Deborah Crawford This event was recorded on Thursday, March 9th, The new rule applies specific federal consumer protections to broad swaths of the prepaid market for the first time. Thomas This event was recorded on Thursday, March 9th, Patrice Konarik This event was recorded on Tuesday, March 7th, How do we strike that perfect balance between customer responsibility and custodial responsibility on Health Savings Accounts? If any member of your staff is not familiar with the provisions listed below they need this program.

Carl Pry This event was recorded on Wednesday, March 1st, This discussion addresses some key points when it comes to the CFPB and their processes, so you can be best prepared. Don Blaine This event was recorded on Monday, February 27th, Chad Knutson This event was recorded on Friday, February 24th, Ransomware and Cyber Extortion cases are on the rise, with over a billion dollars in losses. With this training, we will give teach institution a useful set of skills.

Deborah Crawford This event was recorded on Thursday, February 23rd, Ann Thomas This event was recorded on Thursday, February 16th, We'll review clarifications on the risk reporting of loan categories, deferred tax assets, equity securities, unused commitments, and interest rate locks. Douglas Waldorf This event was recorded on Wednesday, February 15th, Thomas This event was recorded on Wednesday, February 15th, Turner This event was recorded on Tuesday, February 14th, Mike Hogan This event was recorded on Thursday, February 9th, This session not only addresses the coverage provided by these unique insurance policies, but it also covers the enhancements that some insurers are willing to provide.

Jon Waldman This event was recorded on Wednesday, February 8th, Honey Shelton This event was recorded on Thursday, February 2nd, Chad Knutson This event was recorded on Wednesday, February 1st, McGuinn This event was recorded on Wednesday, January 25th, When your safe deposit box renter dies, who can access the box now?

Get this compliance update. Thomas This event was recorded on Tuesday, January 24th, Barry Thompson This event was recorded on Friday, January 20th, We will review the best practices for the financial institutions security officer as well as those things the security officer should never implement. Don Blaine This event was recorded on Thursday, January 19th, Deborah Crawford This event was recorded on Thursday, January 19th, This program will explain complex legal issues with straightforward and easy to understand rules of t Deborah Crawford This event was recorded on Wednesday, January 18th, Thomas This event was recorded on Thursday, January 12th, Chad Knutson This event was recorded on Friday, January 6th, In this session, core steps required for most incidents will be highlighted and specialized components for DDOS, malware, CATO, and unauthorized access incident types will be explained.

Chad Knutson This event was recorded on Monday, January 2nd, This session will discuss recent regulatory guidance and how regulatory examination programs have been updated. Thomas This event was recorded on Wednesday, December 21st, David Dickinson This event was recorded on Tuesday, December 20th, Carl Pry This event was recorded on Monday, December 19th, Deborah Crawford This event was recorded on Friday, December 16th, Get a recap of 's emerging issues for BSA and a look toward issues. Deborah Crawford This event was recorded on Thursday, December 15th, Susan Costonis This event was recorded on Wednesday, December 14th, Deborah Crawford This event was recorded on Thursday, December 8th, Understanding authority on the different types of business accounts may keep you from making mistakes that can be costly to your organization.

Deborah Crawford This event was recorded on Tuesday, December 6th, Deborah Crawford This event was recorded on Tuesday, November 29th, Deborah Crawford This event was recorded on Thursday, November 17th, McGuinn This event was recorded on Thursday, November 10th, Susan Costonis This event was recorded on Wednesday, November 9th, Learn how the CFPB complaint process has changed regulatory expectations, and what your bank or credit union should be doing to proactively manage complaints.

Thomas This event was recorded on Wednesday, November 9th, Deborah Crawford This event was recorded on Friday, November 4th, Christy Crawford This event was recorded on Thursday, November 3rd, Deborah Crawford This event was recorded on Thursday, November 3rd, During this program we will develop scripts with different options for both personal and business accounts. Deborah Crawford This event was recorded on Wednesday, November 2nd, Learn how to get the forms right at new accounts so the IRS reporting is correct and in compliance.

Susan Costonis This event was recorded on Tuesday, November 1st, Deborah Crawford This event was recorded on Thursday, October 20th, Learn how to stay clear of the 10 hot spots when opening and managing trust accounts in your branches. Susan Orr This event was recorded on Wednesday, October 19th, Deborah Crawford This event was recorded on Tuesday, October 18th, We'll walk through POAs, custodians, representative payees, court ordered accounts, trustees and bankruptcy, plus look at paperwork and duties of each person to understand your responsibilities.

Deborah Crawford This event was recorded on Thursday, October 13th, Deborah Crawford This event was recorded on Wednesday, October 12th, Learn from A to Z the best practices for opening business accounts, documenting the authority and changing signers in the new regulatory environment.

Thomas This event was recorded on Thursday, September 29th, Ann Thomas This event was recorded on Friday, September 23rd, This webinar will help you learn the classification priority for reporting loan information correctly.