Colleagues, fellow professionals and friends,
I remember hearing someone talk about looking out a train window, enjoying the passing scenery and, then, noticing his reflection in the window. It dawned on this person that he was "looking two directions at the same time." Beyond just an optical phenomenon, think of the meaning of this experience. Looking two directions, seeing yourself as you look ahead, you can reflect on how your past and future are connected.

The start of a new year is one of those times when we should engage in this type of reflection. From a business viewpoint, we should reflect on the year just past and how we build on that to reach our future goals. What did we do well? What do we need to change or improve?
At American Bank Systems, our grand goal for the new year is to build on the past year's acquisition of the CoPilot Loans and Deposits system, which we have linked to our BankManager® document imaging and tracking system  creating one seamless platform supporting all your needs . (See the graphic illustration at the end of this BankLine.)   I hope you and your institution will build on your past too and achieve great things in 2017. More than that, I hope ABS can play a part in your future success.

I hope this edition of BankLine has many items of interest for you. 


James W. Bruce, III
CEO and General Counsel, American Bank Systems

CompliancePro®: Sophisticated Yet User-Friendly

Sophisticated enough for a large compliance department yet simple enough for a  single user, CompliancePro® helps you manage your compliance risk and monitoring  efforts with confidence! With user-friendly features that can be customized to suit  your unique needs, CompliancePro® simplifies those things that make managing  compliance so painful - like too much to do, too little time, and too many regulatory  changes to monitor. CompliancePro® gives you a system that automates much of your  workload with content updates from our team of compliance experts.

Saving both time and money, CompliancePro ® reduces or eliminates external auditing and  consulting fees, distributes monitoring activities to the appropriate departments and individuals,  generates reports for management, board of directors and examiners, and identifies compliance  issues and tracks corrective actions.

Consistently maintained and updated to reflect the latest regulatory changes, CompliancePro ®  serves as the ultimate compliance assistant - all at an annual cost that is less than hiring a  compliance associate.

To learn more about CompliancePro® please click here . Want to see CompliancePro® for yourself? Register for a free  demonstration here.

Coral Snider is usually the first voice a customer hears when calling ABS for software or technical assistance. She enjoys handling these calls and building personal relationships with the customers.

"It is much easier to help a friend through a problem than a complete stranger," Snider said. "We have some very interesting clients."

Snider said that her greatest industry achievement was understanding the exception report at ABS.

Snider was born in Truth or Consequences, New Mexico, and spent most of her childhood in Temple, Texas. She was briefly interested in medical research due to her high school chemistry class but decided to stay in Oklahoma after meeting her husband.

She received a bachelor of Arts degree in 1980 at Bethany Nazarene College in Bethany, Oklahoma, (now Southern Nazarene University). Her parents also graduated there in the 1950s, then called Bethany-Peniel College.

Snider's husband, Allen, is a sergeant for the Putnam City Schools Police Department. They live with their two-year-old beagle named Bella, which is short for "Princess Bella of Baymont."

In her spare time, Snider enjoys TV, cross stitch, needlepoint, machine embroidery and machine quilting.


Check out these recent posts to our Compliance Blog by our very own team of compliance specialists.

By Cody Roberts, CRCM
Posted Jan. 23, 2017

If you look at enforcement actions, you will see topics noted like BSA/AML, real estate lending and flood, capital adequacy, loan quality, UDAAP, and cybersecurity. The Bank Bribery Act will likely not be seen in such actions.  But this law is still in effect-and relevant. Background The Bank Bribery Act, 18...  View Article

By Elva Coffey-Sears
Posted Jan. 9, 2017

While it's hard to predict what changes 2017 may bring to the compliance arena, the first of the regulatory changes to be integrated into your compliance program are the annual adjustments to the various regulatory thresholds. These thresholds are adjusted annually based on various consumer price indexes at defined times during the...  View Article

By Gina Ellis
Posted Dec. 23, 2016

In our blog post September 6, 2016, we discussed the revised Uniform Residential Loan Application Form (URLA). While the CFPB officially issued its approval of the form, Fannie Mae and Freddie Mac (the GSEs) have indicated the form should not be used until they establish final effective and mandatory compliance dates. So,...  View Article

Posted Dec. 12, 2016

Want to eliminate the need for your filing cabinets? Save time? Obtain more detailed easy-to-understand reporting? Upgrade your current system? Then BankManager ® Elite is for you! Still a comprehensive workstation for lenders and customer service representatives as with BankManager® Pro, BankManager ® Elite features a new and improved reporting engine, faster deployment across multiple desktops and an easy-to-use favorites button for custom...  View Article


CoPilot Tips & Tricks
Name Fields
CoPilot is a loan and deposit account origination system with a user-friendly interface putting you in control. CoPilot Loans helps banks save time and money. Not every loan needs an expensive legal review. Copilot Loans does it for you, providing you with documents and processes that are designed to ensure compliance. CoPilot Deposits is a sophisticated deposit origination system which improves efficiency, accuracy and compliance.
Did you know that you can enter the customer's full name in the "First Name" field, and once you click the down arrow on your keyboard or use the mouse to click into the next field, the name will split and auto-complete in "Middle Name/Last Name" fields.  To find out more about CoPilot, please contact our ABS Customer Care Team at 405-607-7000 or visit our website at
At American Bank Systems, we are proud to offer a seamless platform for community banking loans & deposits and document imaging needs.

Our CoPilot and BankManager ® Elite systems together provide the best automated experience possible for today's face-paced banking environment.
  • Electronic Signatures Utilizing Digital Authentication
  • Automatically Index Loan & Deposit Documents in BankManager® Elite Without Scanning
  • Book Loans & Deposits on Host System Automatically
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