Missed an event? That's okay. We've got you covered.
We realize that sometimes schedules don't allow you to attend every event you wish. So as a service to our members, we're providing archived recordings and presentation materials from events in the past year. If you have any questions, please feel free to contact us at marketing@vfccu.org.
You don’t have to be an ALM expert to know that the financial markets are rapidly evolving and, consequently, making waves in the credit union world. New trends are washing ashore. New challenges are looming heavy in the skies. And, above all else, balance sheets and ALM risks are transforming. It can be difficult to chart your intended route with all these mounting changes, especially in the current market environment we’re in…unless you have a viewpoint from the crow’s nest.
Join Melissa Scott, VP, ALM Services, as she explores the ALM services available to your credit union through Vizo Financial.
View Webinar Recording | Webinar Handout (PDF)
Asset liability management is defined as a practice used by financial institutions to mitigate financial risks resulting from a mismatch of assets and liabilities. Regulation requires credit unions to have an interest rate risk policy and an effective interest rate risk management program.
Join Melissa Scott, VP, ALM Services, as she explores the ALM services available to your credit union through Vizo Financial.
View Webinar Recording | Webinar Handout (PDF)
Who is the chief in charge when it comes to balancing your credit union's capital? Be careful before you answer because it's not any single person. It's a culmination of daily decisions at your credit union. Your ALM model helps you to navigate these decisions and find your true north when it comes to capital planning and developing your credit union's budget and strategic plan. This session will cover how you can effectively manage and monitor your net worth by using the ALM model to guide your strategic planning, establish meaningful policy limits and acknowledge your risks.
The NCUA's guidance, outlined in their "Supervisory Committee Audit Minimum Procedures Guide Addendum," emphasizes the importance of model risk management and validation in conducting thorough and independent validations of CECL models.The addendum’s objective is to ensure the accuracy, reliability and appropriateness of these models in estimating credit losses. By adhering to this guidance, credit unions can enhance their risk management practices and maintain compliance with regulatory requirements.
View Webinar Recording | Webinar Handout (PDF)
As the budgeting season swiftly approaches, and the intricacies of forecasting under CECL pose greater challenges than ever before, numerous clients have turned to us for guidance. We understand the intricate complexities and uncertainties that accompany the budgeting process. ARCSys is here to walk you through and help you with your institution's CECL budgeting strategy for 2024.
View Webinar Recording | Webinar Handout (PDF)
This educational opportunity will feature Mike Umscheid, a seasoned expert who will discuss the purpose of quantitative and qualitative factors under the Current Expected Credit Loss (CECL) standard. This webinar will delve into the key differences between the Q-Factor methodologies of CECL and the Incurred Loss Model (ILM), as well as how these differences impact the selection, adjustment and documentation of historical data.
We can all agree that the economy and the markets are unpredictable. So, what can we do? We can use the insights we have through trends, expert opinions, past performance in similar situations and so on to make educated predictions. That’s what these quarterly sessions are all about – sharing our insights to help your credit union achieve financial fortitude, regardless of what may actually happen in the future.
View Webinar Recording | Webinar Handout (PDF)
We can all agree that the economy and the markets are unpredictable. So, what can we do? We can use the insights we have through trends, expert opinions, past performance in similar situations and so on to make educated predictions. That’s what these quarterly sessions are all about – sharing our insights to help your credit union achieve financial fortitude, regardless of what may actually happen in the future.
View Webinar Recording | Webinar Handout (PDF)
This 90-minute webinar will take a look at how the liquidity situation has evolved over the recent rate hike cycle and where it seems to be headed, current topics affecting liquidity and a review of how the corporate can help your credit union should you be in need of liquidity.
View Webinar Recording | Webinar Handout (PDF)
We can all agree that the economy and the markets are unpredictable. So, what can we do? We can use the insights we have through trends, expert opinions, past performance in similar situations and so on to make educated predictions. That’s what these quarterly sessions are all about – sharing our insights to help your credit union achieve financial fortitude, regardless of what may actually happen in the future.
View Webinar Recording | Webinar Handout (PDF)
Understanding the language of credit union financials can be challenging, especially when it comes to the many intricacies of the balance sheet and the subsequent deep dive into the meaning of its contents. For example, what is a capital ratio and why is it so important? What are the key line items on a credit union’s financial statement and what is their impact? What role do profit and spread analyses play in ALM?
View Webinar Recording | Webinar Handout (PDF)
The last few years have held a lot of changes in the economy, including multiple rate hikes from the Fed. June 2023 marked the first time since January 2022 that the Fed didn't raise rates, but instead put a pause on them. From this recent pause on rates to the debt ceiling legislation and a looming recession, it's understandable why the question on most people's minds might be: what is in store for the rest of 2023? In an effort to help you find your financial footing, Scott Wood is providing an update on the current economy and what to expect for the rest of 2023 with regard to rates, the Fed and the overall economy.
View Webinar Recording | Webinar Handout (PDF)
Liquidity is complicated these days. So many factors are leading to a rapid tightening of liquidity — the likes of which we haven't seen for some time. But that doesn't mean there aren't options available to your credit union. It just means your financial team will need to spend some time researching and building the liquidity lineup that works for you. We'll touch on some of the options you might consider for your lineup, including selling investments, various borrowing options (including the Fed's new Bank Term Funding Program), SimpliCD issuance and selling loans — just to name a few.
View Webinar Recording | Webinar Handout (PDF)
Based on recent events, Vizo Financial will be hosting a webinar on Tuesday, March 21, 2023, at 2:00 p.m. ET to give a live update on the Corporate's financials, provide an overview of the Federal Reserve's Bank Term Funding Program (BTFP) and answer any questions you may have. It will be hosted by our president/CEO, David Brehmer; chief investment officer, Fred Eisel; and chief credit officer, Tim Sustak.
This webinar will provide an overview of the most common regulations and compliance issues associated with business deposit accounts.
View Webinar Recording | Webinar Handout (PDF)
Credit unions must walk a fine line between serving members and mitigating risk. Commercial deposits can carry significantly higher average balances, have an increased number of transactions and often come with considerable risk. The approach to risk mitigation for these accounts is unique; in this session, we explore how to grow your commercial member base while limiting your risk exposure.
View Webinar Recording | Webinar Handout (PDF)
Thinking of offering business accounts or enhancing your current business deposit program? Looking for ideas on growing your commercial deposit base? In this session, we will discuss common issues and hurdles you will face and how to thoughtfully plan for growth and develop and implement strategies that will make your business deposit services program more successful.
View Webinar Recording | Webinar Handout (PDF)
Now is the time to start preparing for the rush of students - many of them your members - searching for education loans. As college tuition costs continue to rise, more students are in need of private education loans to help fund the gap between financial aid and college expenses. With the education loans from Sallie Mae, in partnership with Vizo Financial, your credit union members can choose from three in-school repayment options to help them pay off their loans faster and save more money compared to the conventional private loan.
View Webinar Recording | Webinar Handout (PDF)
We can all agree that the economy and the markets are unpredictable. So, what can we do? We can use the insights we have through trends, expert opinions, past performance in similar situations and so on to make educated predictions. That’s what these quarterly sessions are all about – sharing our insights to help your credit union achieve financial fortitude, regardless of what may actually happen in the future.
View Webinar Recording | Webinar Handout (PDF)
A business relationship with your credit union begins at account opening. In this session, we will discuss business entity types and the required documentation to open and maintain business accounts. We will also cover the importance of the Certificate of Beneficial Ownership, pertinent regulations for financial institutions and the types of information that are required to be collected. In addition, we will review the value of a business profile and how your credit union can utilize this information for sales opportunities.
Understanding the promises and protections that are present in the Uniform Commercial Code (UCC) is crucial to your check processing operations.
View Webinar Recording | Webinar Handout (PDF)
So, you end up with a fraud situation in a payment system…now what? Let’s take an operational look on how to handle fraud across the payment channels.
View Webinar Recording | Webinar Handout (PDF)
Are your wires crossed when it comes to wire transfers? In this session, you will learn about the participants, flow, governance and exception handling of wire transfers. We will also learn about some security best practices to help protect your organization and your account holders.
View Webinar Recording | Webinar Handout (PDF)
Every good marriage begins with a foundation of honesty and trust. But does the idea of conducting a Third-Party Sender (TPS) audit have you shying away from commitment? Are TPS agreements and risk assessments keeping you out of the dating game? If so, you are not alone! This session will help to ensure a lasting relationship between you and your Third-Party Sender!
View Webinar Recording | Webinar Handout (PDF)
Regulation E protects consumers in electronic funds transfers. The error resolution process is one of the most crucial aspects of Regulation E compliance.
View Webinar Recording | Webinar Handout (PDF)
We are currently living in the era of authorized credit push fraud…a.k.a. scams! As an ODFI, you must understand your rights and responsibilities to know what steps to take and to attempt to minimize unnecessary loss. RDFIs need to understand what is permissible and what is not. In this session, we will explore when to use a reversal and when to use a request for return of funds.
View Webinar Recording | Webinar Handout (PDF)
The rules and regulations that govern the United States payments systems exist to protect both financial institutions and their account holders - and there are so many of them! This is your opportunity to learn about how the rules and regulations for ACH, checks, cards and wire transfers intersect or diverge.
View Webinar Recording | Webinar Handout (PDF)
CFPB and NCUA are pressing hard for overdraft changes. Credit union leaders across the country are weighing their options. They want to provide members with better service, but they want to do it in a way that doesn’t wreck their profit and loss (P&L). In this session, we’ll review how putting full transparency, control and a fairer fee structure in the hands of members can make members happy, preserve income and satisfy the spirit of what regulators are looking for.
View Webinar Recording | Webinar Handout (PDF)
There are quite a few rails that payments can travel on these days — ACH, checks, cards, wires, real-time payments and the newly created FedNow® Service rail. With your members utilizing multiple rails every day, it can be difficult to remember the processes, timelines, rules and regulations for each. Join Tarah Sweigart to take a ride on the rails that include international wire transfers. From the operations side to the rules and regulations, Tarah is going to be your tour guide as she helps you rediscover the world of international wire transfers.
View Webinar Recording | Webinar Handout (PDF)
With a majority of tax refunds delivered via ACH each spring, financial institutions face the challenges associated with exception processing related to ACH tax refund payments. This session will help you ensure that your processing of ACH tax refunds is efficient and that it protects your financial institution from losses associated with incorrect handling of these types of payments.
View Webinar Recording | Webinar Handout (PDF)
Dealing with the big three of check issues of forgeries, alterations and counterfeit checks are some of the most challenging situations a financial institution can encounter. These issues have a very narrow return window and no adjustment options. Does your financial institution understand your obligations and options when it comes to handling these complicated situations?
View Webinar Recording | Webinar Handout (PDF)
It’s that time of year, time to review the upcoming rules changes for ACH. Nacha Operating Rules need to be followed by all financial institutions that process ACH transactions. This webinar will provide the details your credit union needs to stay informed on the ACH payment requirements and remain in compliance with all the changes in 2024. Join Andi as she reviews current and upcoming Nacha Rules.
View Webinar Recording | Webinar Handout (PDF)
Are you sometimes unsure of the right return reason code to use? Do dishonored returns and contested dishonored returns have you scratching your head? In this session, we will cover all of the return, dishonored return and contested dishonored return codes, and when they should appropriately be used. Knowing your rights and responsibilities under the Rules will help you reduce the risk of potential loss for your institution.
View Webinar Recording | Webinar Handout (PDF)
The ACH Operating Rules require all participating DFIs, Third-Party Senders and Nested Third-Party Senders to conduct an assessment of the risks of their ACH activities. But how is not specified. In this session, we will look at risk assessment best practices and how to maintain compliance with the requirements of your primary regulators.
View Webinar Recording | Webinar Handout (PDF)
Some of the most common questions asked by financial institutions pertain to consumer person-to-person (P2P) transfers via the ACH Network. Most often, the questions have to do with fixing something that went wrong. These problems include fraud, incorrect account numbers, and buyer’s remorse, all of which can result in financial losses for your organization. Don’t miss this chance to learn about the unique features of P2P transfers via the ACH network.
View Webinar Recording | Webinar Handout (PDF)
Is it better to ask permission or forgiveness? In the ACH Network, always ask permission. Join this educational session to learn more about the differences between properly initiated reversals and return request situations.
View Webinar Recording | Webinar Handout (PDF)
Do you wish you were more exceptional at handling exceptions? During this session, we'll discuss the most frequently asked questions regarding share draft, card, and ACH exceptions.
View Webinar Recording | Webinar Handout (PDF)
All financial institutions must conduct an annual ACH audit. During this educational session, we will cover the NACHA Operating Rules' audit requirements that are specific to the receipt of ACH transactions that are needed for you to ace your RDFI ACH audit. We will emphasize areas of high risk to RDFIs including return timeframes, posting and exception processing.
View Webinar Recording | Webinar Handout (PDF)
Card disputes can take on a life of their own. There are dates to remember, credits in and out, chargeback rights, regulations…how does anyone stay on top of it? This session will give an in-depth look into the card dispute process from start to finish, with several examples of transactions and scenarios.
View Webinar Recording | Webinar Handout
Deepen your knowledge of the FedNow Service features and capabilities to prepare your credit union for 24/7/365 operations. Join Stephanie Miracle, director of FedNow product management, who will cover important operational topics that are top of mind for credit unions including release one features, reconcilement, accounting changes, reporting, liquidity management, fraud and risk mitigation and how to work with your service provider. Operations, technology and business development staff alike will find this webinar particularly valuable, as they consider tactical next steps to convert to always-on payment operations.
View Webinar Recording | Webinar Handout
Does your institution know your rights and obligations regarding micro-entries and prenotifications? In this session, we will explore the proper initiation and handling of micro-entries and prenotes. Properly handling these items can help to reduce the number of future exception items and future headaches.
View Webinar Recording | Webinar Handout
The rules and regulations that govern the U.S. payments systems exist to protect both financial institutions and their account holders — and there are so many of them! This is your opportunity to learn about how the rules and regulations for ACH, checks, cards and wire transfers intersect or diverge.
View Webinar Recording | Webinar Handout
The improper handling of Death Notification Entries (DNE), Government Reclamations and Garnishments can expose financial institutions to potential significant dollar losses. This session will cover the proper procedures for handling ACH Government Reclamations and the garnishment of accounts receiving federal government ACH benefit payments.
View Webinar Recording | Webinar Handout | Webinar Q&A Handout
With so many options for faster payments, how do you choose what is the right option for you? In this session, we'll explore the myriad of new and emerging payment types/networks and discuss the steps your institution should take to keep up!
View Webinar Recording | Webinar Handout
Let's get a jump on 2023! The ACH Network is constantly evolving and updating the Rules. Join us to hear what's happening in 2023 and the steps your organization needs to take to be prepared.
The most recent data from Gallup notes that only 30% of employees are engaged. By definition, an engaged employee is a person who is willing to consistently give their discretionary effort to accomplish tasks. They are enthused about their work and enthusiastic about their workplace. Think how enjoyable and productive our offices would be if we were to double or triple that number of engaged employees at our credit unions. Join SVP/chief culture officer, Joe Bertotto, as he shares practical approaches to increase engagement. Recently Vizo Financial received their second consecutive Gallup Exceptional Workplace Award. This global honor is given to organizations who put employee engagement at the center of their strategic plan.
View Webinar Recording | Webinar Handout (PDF)
Mentor programs are one of the most effective and meaningful ways to invest in your people. A successful mentor program will improve skill development, increase employee engagement, fuel employee retention, enhance productivity and attract talent.
View Webinar Recording | Webinar Handout (PDF)
There’s no exact blueprint when it comes to building a successful DEI program, but there are some basics your credit union should know, starting with the foundation. To lay the groundwork, you must first understand the building blocks of diversity, equity and inclusion (DEI), as well as the key pieces that are crucial to the program’s infrastructure. In this session, Vizo Financial’s human resources generalist, Melanie Lambie, will guide you through the process of designing your own unique DEI program to create a more inclusive and equitable future for your credit union.
View Webinar Recording | Webinar Handout (PDF)
Back by popular demand, Vizo Financial will be offering the “Onboarding in a Box” webinar series in 2024.
“I’m so glad I made the decision to join this company.” This phrase is music to our ears and in the best environments is a tune repeated frequently by employees. A solid onboarding program is the foundation for this continuous melody! This three-part webinar series will provide you with essential information and resources for every stage of the onboarding process, starting from the moment the application is completed and continuing through the first 90 days and beyond.
First ImpressionsView Webinar Recording | Webinar Handout (PDF)
Difference MakersView Webinar Recording | Webinar Handout (PDF)
Long-Term ImpactView Webinar Recording | Webinar Handout (PDF)
If your team members aren’t growing, neither is the credit union. Unfortunately, growth and development, while noble goals, can be easier said than done with tight budgets and precious little time available for such activities. Despite the odds, we must figure out ways to help our people grow. For their sake and ours. Most people want to feel competent and confident when they come to work. If we aren’t developing people, their confidence can erode as they become unsure of their decisions. This second-guessing can eventually lead to not making decisions at all, which can impact co-workers and members. Additionally, many national surveys repeatedly mention a lack of development opportunities as one of the top reasons people leave their jobs. If we’re not growing people, they’re going. Join Vizo Financial’s SVP/chief culture officer, Joe Bertotto, as we discuss ways to develop members of the team effectively and efficiently.
View Webinar Recording | Webinar Handout (PDF)
In this webinar, we will discuss how to use your time effectively to improve your leadership abilities, your team’s skills and your results. Many times, during the workday, we get caught “in the thick of things.” It can feel like we are getting hit with one tidal wave after another of problems, issues and crises. One way to mitigate this is by spending more of our time helping things go right instead of getting caught in the cycle of correcting things that go wrong. Join Vizo Financial’s chief culture officer, Joe Bertotto, as we shift our view from spending time dealing with urgent matters to focusing on the important levers we can pull to increase our effectiveness and efficiency.
View Webinar Recording | Webinar Handout (PDF)
The evolution of the American workplace has been extensive – with the move from in-office cubicles to home offices and the transition from hierarchical leadership to servant leadership. But, perhaps, the most significant change has been to the way we perceive and acknowledge the identities and beliefs of our colleagues through the idea of diversity, equity and inclusion (DEI). Since embracing DEI as the eighth cooperative principle, credit unions have strived to create workplaces that are equitable and welcoming to all, no matter their gender, religion, sexual preferences, race and so on…and it’s a movement that is only growing stronger. In this session, Vizo Financial’s resident DEI expert, Erin Doan, will take a look at the many ways credit unions can continue to incorporate and emphasize DEI in the workplace now and for years to come.
View Webinar Recording | Webinar Handout (PDF)
One capability that separates leaders from others is vision – being able to set a clear direction and lead people there by keeping everyone focused on it. While some leaders are naturally more effective at this than others, creating a vision does not require mystical powers. It is within the grasp of all who lead.
View Webinar Recording | Webinar Handout (PDF)
Why does every makeover have to be “extreme”? I guess the title “Modest Makeover” or “Subtle Shifts” just doesn’t bring in the same audience, huh? You don’t have to tear down the walls and scrap the entire building to create a fresh start, a new perspective and an environment that everyone is drawn to. “Modest Makeover” might not be a powerful title, but lasting, impactful change can come from small, meaningful choices.
View Webinar Recording | Webinar Handout (PDF)
At work, many of us feel unsure of ourselves during the course of a day. Situations arise which have us questioning how we handled an interaction, completed a transaction, or answered a question. Beyond the technical component, there is the emotional aspect that leaves us doubting and feeling slightly incompetent. We are weakened, not strengthened. When we feel weak, we’re not as productive because we can hesitate and second guess ourselves before, during and after taking action. Many times weakened employees distract colleagues with their need to replay scenarios and justify their actions. The antidote is to look for ways to proactively strengthen our confidence and the confidence of others, so we are immune to self-doubt and internal criticism.
View Webinar Recording | Webinar Handout (PDF)
Small credit unions and their employees continue to pay more for health insurance while the carriers continue to profit. Big insurance brokers struggle to scale down and deliver competitive products to small credit unions. Small insurance brokers often deliver un-tailored products that don’t fit the needs of small employers.
View Webinar Recording | Webinar Handout (PDF)
"As human beings, our job in life is to help people realize how rare and valuable each one of us really is, that each of us has something that no one else has or ever will have...It's our job to encourage each other to discover that uniqueness and to provide ways of developing its expression." These are the wise words of Mister Rogers, an icon of kindness and acceptance and, of course, everybody’s favorite neighbor.
View Webinar Recording | Webinar Handout (PDF)
Leadership, by definition, takes people to places they haven’t been before. While we may have many changes taking place in our credit union, how many are meaningful? Meaningful change impacts employees, the organization and our members in positive ways. Meaningful change requires a long-term vision, alignment and action. This magical combination is difficult to properly execute, but when done well, it has the power to transform lives. Join Vizo Financial’s chief culture officer, Joe Bertotto, as he provides insight into effectively creating change that has the power to truly make a difference.
Throughout history, the compass has served as a tool for guidance and direction. It was helpful during the days of westward expansion and epic expeditions, and it’s still the case now…even in the age of technology and cybersecurity. In the modern risk world, we can continue to use the idea of a compass to point credit unions in the direction of proper and effective security management. In this session, we will be discussing how a review of your CIS security controls, as well as other common security practices, can guide you to your intended destination – an information security program that is all-encompassing of your potential risks and vulnerabilities, and allows you to stay the course, even when perilous situations arise.
View Webinar Recording | Webinar Handout (PDF)
Bad news…there's been a business email compromise at your credit union. In addition, one employee is reporting that they received a pop-up message about viruses on their computer and your CEO clicked an email link that, in hindsight, seems suspicious. No doubt about it, it's a bad day for security at your credit union. But there's no time to dwell on the negatives – it's time to take action.
View Webinar Recording | Webinar Handout (PDF)
Just when you think you’ve got security and risk under control, a new threat emerges. That’s inevitable, but credit unions are better off being proactive. And we have the experts to help you do just that! In this panel discussion, we’re putting the Vizo Financial security team, which includes John Cuneo, VP - information security; Mike Bechtel, information security analyst; and Keeley Hartman, information security analyst, in the hot seat to answer pressing questions about credit union risk and security.
Would you be surprised to know that a staggering 85 percent of all breaches can be traced back to human error? What's more, did you realize that these breaches can linger and infect your network for days/weeks/months before they're identified? Those are the startling, but true facts. So, how can you protect your credit union and make sure that you're prepared for the cost of human errors? Join John Cuneo for this webinar as he provides insights on how to prepare for the unaccounted-for cost in data breaches.
View Webinar Recording | Webinar Handout (PDF)
They say age is just a number. But for scammers, age is an opportunity to prey upon a person's vulnerabilities. That's why older individuals are most at risk for financial exploitation, and it costs millions (yes, millions) of dollars per year in losses for these individuals. You may be wondering what your credit union can do to help your members fight back against elder financial abuse. That's what this session is all about! Cindy will walk you through common signs, schemes and suspects to help your staff and members armor up against elder financial abuse.
View Webinar Recording | Webinar Handout (PDF)
Why do most credit unions perform security awareness training? It’s probably because it’s a requirement set forth by the NCUA. Say no more, right? Wrong. The importance of security awareness goes far beyond just a regulatory requirement – it’s a crucial knowledge base that every credit union staff and board member should have. With the constant deluge of cyber threats, fraud attempts and social engineering scams aimed at credit unions, we have a duty to protect our institutions and our members…and we can with the proper emphasis on security awareness training.
View Webinar Recording | Webinar Handout (PDF)
Remember the awe of looking into a kaleidoscope as a child? All the colors and shapes were mesmerizing. But when you look at it through a more risk-oriented lens, the spectrum really highlights the many threats to your credit union. You can see the various angles and disguises attackers use to try and breach your data in an attempt to make a profit. From ransomware to business email compromise, the number of incidents targeted at financial organizations of all sizes is happening at alarming rates. In this session, Mike Bechtel will discuss the wide spectrum threats to your credit union and how you can protect your information.
Back in 2020, Vizo Financial and our payments CUSO, MY CU Services, partnered with CU*Answers for their CU*BASE core processing system. Our goal was to create a core processing community where we can support and uplift each other through collaboration. This collaboration is the very reason Vizo Financial and MY CU Services created CUaxis, which is a community that connects credit unions with a whole host of resources to stay firmly on the cutting edge. From this central hub, you can find all the products and services that meet your credit union’s core processing needs and beyond.
View Webinar Recording | Webinar Handout (PDF)
Is your credit union tapping into the full potential of existing data? Is your credit union using data to set strategy and gauge your membership and product potential?
MY CU Services has teamed up with CU*Answers to offer an entire suite of IT solutions to equip your credit union with the necessary resources to keep your information technology functions running smoothly. These services include workstation and server management, email management, network infrastructure management, backups and business continuity and support services. Learn more by attending this educational webinar with CU*Answers’ vice president of managed technology sales, Matt Sawtell.
If you require a written transcript for the audio portion of any of our webinar recordings, please contact us at marketing@vfccu.org and we will provide that upon request.
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