Upcoming Webinars

Members and nonmembers are invited to register for all of our upcoming webinars.

Upcoming Webinars

Members and nonmembers are invited to register for all of our upcoming webinars.

September 26, 2023  |  2:00 pm

E-Sign Implementation Steps and Best Practices


This item is discounted for members. Log in to claim it!


To protect their customers and employees during the COVID-19 pandemic, many financial institutions began to encourage their customers to conduct transactions electronically. Before information related to a consumer transaction that is required to be in writing can be provided electronically, the E-Sign Act requires that a six-step consumer consent process be completed.

How do you balance the “new normal” of online applications, electronic disclosure delivery, electronic signatures, the requirements of E-Sign and regulatory disclosure requirements while managing identity theft risk and application fraud? 

Learn the steps that must be followed to be in compliance with E-Sign.  What additional steps should be taken to verify the customer’s identity in view of an increased risk of identity theft? 


  • What are the rules?  Learn about Federal regulations for E-Sign
  • Which lending and deposit regulations are related to E-Sign and have specific provisions for compliance? 
  • Learn the Six-Step Process for Consumer Consent 
  • Basic Steps for E-Sign Implementation
  • Tips for cybersecurity and fraud detection of identity theft. Sample “out of wallet” questions.
  • What are the risks for selecting a vendor for online applications and for digital signatures? What are “digital signatures”? What are the risks?
  • Common questions, resources, exam procedures
  • Important DISCLAIMER – state laws will NOT be addressed in this session.  It’s critical to involve YOUR legal counsel for state specific rules.

CE CREDITS: Approved for 1.25 CRCM


Susan Costonis is a compliance consultant and trainer. She began her banking career in 1978 and specializes in compliance management along with deposit and lending regulatory training. Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real-life examples.

MODERATOR: Gary Iorfido, Compliance Anchor Director

Compliance officers, Lending and Loan operations, Deposit Operations, Branch Managers, customer service representatives and others responsible for managing online banking, E-SIGN compliance, e-statements, and e-disclosures.

PAYMENT: Free to CA members, $225 to non-members

Upcoming Webinars


Privacy Policy Visit ACBB.COM

Compliance Anchor® is a Fictitious Name used by Atlantic Community Bankers Bank.
2023 Copyright © ACBB. All Rights Reserved.

225 Grandview Avenue
Camp Hill, PA 17011

(717) 441-4501