Colleagues, fellow professionals and friends, 

Welcome to American Bank Systems'  BankLine newsletter -  an outreach of ABS to  share important news affecting our industry along with information about the solutions we offer and the great team of associates serving you.

Every two months our BankLine e-newsletter will feature a combination of expert insights on pressing industry topics, highlights of our innovative initiatives, information on upcoming webinars and training opportunities, and a showcase of one of our associates. I am very proud of our ABS team, which includes former bankers, compliance specialists, system specialists, sales representatives and software developers.


At ABS, we understand banking. We also understand your pain-points and strive to deliver an array of solutions that meet your needs and help you in the business of banking. CompliancePro® Loans and Deposits documents new account and loan transactions. BankManager® Elite manages your files and customer relationships through document imaging and exception tracking. BankManager® also helps manage HR and AP processes in your bank. CompliancePro® monitoring system helps you manage and monitor regulatory compliance within your bank. We compliment these software systems with 24/7 customer care access, training and consulting - all designed to help you operate effectively and efficiently.


"Customer care" is emphasized throughout ABS. We weave it into our corporate culture.  You are our number one priority, and you always have our attention. We invite you to share BankLine with others in your bank, and we welcome your thoughts and ideas on how we can make BankLine as helpful and relevant to you as possible.


Over our 45-year history of serving bankers, our goal has been and will remain - to be the banking solutions partner you know, like, trust and respect. We are grateful for the opportunity to partner with you in these complex and exciting times, and we hope you enjoy this creative extension of our team's connection with your bank.


James W. Bruce, III

CEO and General Counsel, American Bank SystemsAcknowledge

Entering his ninth year at ABS, Shawn Gollob serves as Assistant Vice President and a trainer for BankManager® Elite and CompliancePro® Loans. In his role, he enjoys leveraging his experiences and inside tactics as a former BankManager® customer to help bankers use ABS' software more efficiently. 

Shawn has played a pivotal role in advancing ABS' software, but he hasn't stopped there. He is currently aiding the development of a mobile platform for both BankManager® Elite and CompliancePro® Loans. 

An Oklahoma native, Shawn grew up in Guthrie and attended University of Central Oklahoma where he received a Bachelor's Degree in political science while minoring in communications. 

Shawn's talents span far beyond banking. Prior to joining ABS, he served as a radio host in both high school and college, where he even called the UCO homecoming football game on his campus' radio station one year. When away from the office, Shawn enjoys spending time with his family, his wife of 12 years and four-year-old son, and watching sports.Spotlight
Want to improve efficiency, accuracy and compliance? Then CompliancePro® Loans is for you! Our loan origination system is browser-based and can be installed onsite or hosted as a service. CompliancePro® Loans is installed ready-to-use for your bank's loan products. Including modules for consumer, commercial and real estate lending, CompliancePro® Loans manages workflow for loan orientation across locations with multiple levels of authority. CompliancePro® Loans is currently available in Kansas, Missouri, Nebraska, Oklahoma and Texas. 

There's a reason we are an industry leader in compliance technology solutions for financial institutions. Try out CompliancePro® Loans today and see for yourself. Contact us 24/7 to get started.IndustryInsights

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


Earning a CRCM

By: Cody Roberts

Posted May 8, 2015


Through the Institute of Certified Bankers (ICB), the American Bankers Association (ABA) has sought to educate and certify bankers in specific areas of expertise. Currently, ICB offers nine professional certification programs in the areas of wealth management and trust, compliance and risk management, lending, bank marketing and retirement services. The certification for compliance is the Certified Regulatory Compliance Manager (CRCM), a worthy career goal for compliance auditors, compliance officers and even bank counsel.

The perquisites to enter the CRCM certification process include:

  • A minimum of three years of U.S. experience as a compliance professional with primary responsibility for the full range of compliance functions including performing compliance reviews and managing appropriate strategies to help the institution comply with U.S. federal laws and regulations
  • A minimum of 80 hours of compliance-related training within the last five years
  • One letter of recommendation
  • A signed ethics statement
  • An application to take the CRCM exam and payment of the accompanying exam fee [Read More]

Other Disclosures Impacted by TRID

By: Elva Coffey-Sears

Posted April 23, 2015


We've all been focusing on the implementation of the new Loan Estimate and Closing Disclosure, but we mustn't lose sight of the other disclosures impacted by the TILA-RESPA Integrated Disclosure rule. Here at ABS, we recommend including these disclosures in your pre-implementation training and testing.


TRID added a new disclosure that must be provided prior to the cancellation of an escrow account established in connection with a closed-end credit transaction, other than a reverse mortgage, that is secured by a first lien on real property or a dwelling. While the rule exempts escrow accounts that were established solely in connection with a consumer's delinquency or default and the cancellation of an escrow resulting from a pay-off of the mortgage, the disclosure requirement applies to all escrow accounts without regard to when the account was established. [Read More]


New Home Loan Toolkit Now Available

By: Gina Ellis

Posted April 16, 2015


The CFPB has released "Your Home Loan Toolkit," a new consumer guide that replaces the current Settlement Cost booklet.  You will now be required to provide this Toolkit to consumers beginning August 1, 2015, yet the requirements for providing the Toolkit do not change.  As usual, the Toolkit is required to be delivered to the consumer no later than three business days after receiving a completed application secured by real property for the purpose of purchasing 1-4 family residential property.  If the application is denied before the end of the three business day period, delivery of the Toolkit is not required.


We recommend you make plans to remove any old Settlement Cost booklets you have distributed to loan officers and update any links available on your website on the August 1st effective date. Even if a transaction falls under the old mortgage disclosure rules, for example when a lender originates fewer than five mortgages in the preceding year, the new Toolkit will be required. [Read More] Compliance


Stay up to date with regulatory changes by attending one of our upcoming webinars. Please see our current schedule below.  All will center on completing the new TILA-RESPA Integrated disclosures, the loan estimate and closing disclosure . If interested, please email 
  • May 21
  • June 11
  • June 25
Mexican Chicken
Provided By: Sherry Brickell, ABS Sales Representative

  • 6 chicken breasts cooked or baked
  • 2 cans Rotel
  • 1 can cream of chicken soup
  • 2 cups shredded cheddar cheese
  • 1/2 bag tortilla chips


  1. Mix Rotel and cream of chicken soup in a bowl and set aside. 
  2. Place one layer of tortilla chips in a greased 13" x 9" baking dish until completely covered. 
  3. Add one layer of baked or cooked chicken. Pour half of the Rotel/soup mixture on top of the chicken. Top with 1 cup of cheddar cheese.
  4. Layer again with tortilla chips, chicken, Rotel/soup, and cheese
  5. Bake at 350 degrees for 30-35 minutes or until heated through.
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