该楼层疑似违规已被系统折叠隐藏此楼查看此楼 SuperintendentTaylor sRemarkstotheCheckCashingIndustryonRegulatoryStandardsandCommunication--------------------------------------------------------------------------------Goodafternoon.IwanttothankyouallandespeciallytheFinancialServicesCentersofAmericaforinvitingmetospeaktoyouatyourconference.Itlookslikeyouwillhaveafascinatingcoupleofdays,withworkshopsoneverythingfromsecurity,toemploymentissuestonutrition!But-thethemeandfocusofthisconferenceisaboutbuildingrelationships-whatcanservicecenteroperatorsdotobuildrelationshipsduringatimewhenmarketplaceconditionsarechangingalmostdaily,andoftennotinagoodway.Icouldn tagreemoreabouttheimportanceofbuildingstrong,lasting,two-wayrelationships:withregulators,bankers,consumersandcommunities.And,thekeytobuildinganyrelationshipiscommunication.Theabsenceofgoodunambiguouscommunicationcanbearecipefordisaster.Eventhesimplestandcleareststatementscanbeopentointerpretation.Forexample:ifacompanysaysitwantGoodCommunicationskills,itcouldmeanacoupleofthings-first,thattheywantyoutocommunicateclearlyorsecond,thatmanagementcommunicates,youlisten,andit suptoyoutofigureoutwhattheywantanddoit.Inourlineofwork,thisisclearlydangerous.HenriBehar,whomakeshislivingwritingsubtitlesforfilmsknowsfullwelltheimportanceofgettingitright.Inhisessay CulturalVentriloquism ,hewroteaboutseeingtheSamPeckinpahmovie CrossofIron inParis.Inthiswarfilm,asoldierseesheavilyarmedvehiclescomingtheirway. Tanks! heyells,callinghiscomradestoaction. Tanks! TheFrenchsubtitle? Merci!Merci! Thereisnosubstituteforaccurate,concisecommunicationwheninterpretingaregulation.Theclearerthebetter-thereshouldbenoroomforcreativeormisguidedinterpretation.Infact,thisisoneareawherecreativityisactivelyandspeedilyfrownedupon.Weneedtospeakthesamelanguagewhentalkingaboutrulesandlaws.Weallknowwhathappenswhentheinterpretationofamessageisbungled.LetmegivesomeexamplesofreallyunfortunatetranslationstakenfromvariousWebsites:InaBelgradeelevator:Tomovethecabin,pushbuttonforwishingfloor.Ifthecabinshouldentermorepersons,eachoneshouldpressanumberofwishingfloor.Drivingisthengoingalphabeticallybynationalorder.ElevatorsinParisareevenmorefun:Pleaseleaveyourvaluesatthefrontdesk.AndinAthens:Visitorsareexpectedtocomplainattheofficebetweenthehoursof9&11amdaily.InaYugoslavianhotel:Theflatteningofunderwearwithpleasureisthejobofthechambermaid.WhereasinTokyo,oneisadmonishedsimplyto:Pleasetakeadvantageofthechambermaids.InaHongKongdressshop:Orderyoursummerssuit.Becauseisbigrushwewillexecutecustomersinstrictrotations.FromaSovietweeklynewspaper:TherewillbeaMoscowExhibitionoftheArtsby15,000SovietRepublicpaintersandsculptors.Thesewereexecutedoverthepasttwoyears.InaHongKongsupermarket:Foryourconveniencewerecommendcourteous,efficientself-service.InanEastAfricannewspaper:Anewswimmingpoolisrapidlytakingshapesincethecontractorshavethrowninthebulkoftheirworkers.DetoursigninKyushu,Japan:Stop-Drivesideways.Swissmountaininn:Specialtoday-noicecream.Copenhagenairlineticketoffice:Wetakeyourbagsandsendtheminalldirections.Norwegiancocktaillounge:Ladiesarerequestednottohavechildreninthebar.Budapestzoo:Pleasedonotfeedtheanimals.Ifyouhaveanysuitablefood,giveittotheguardonduty.InaJapaneserestaurant(ca.1950):Wereservetherighttoserverefusetoanyone. 回复收起回复3楼2007-09-29 13:42该楼层疑似违规已被系统折叠隐藏此楼查看此楼 Wealltalkandtalkandtalk-sometimesateachother,sometimesatcrosspurposesand,notasoftenasweshould,toeachother.Thisisuntenable.Communicationandstable,trust-basedrelationshipsaresoimportantinhowyou,theindustry,andwe,yourregulators,worktogether.But,beforeIgofartherandbroachsomeofthechallengesweareallfacing,andwhatweseeassolutions,letmefillinsomebackgroundontheBankingDepartment.ItshouldbeclearthatIwilljusttalkforNewYorkStatehere-everyStatehasadifferentprotocolinworkingwithcheckcashingindustry,(ornot.)InNewYork,theBankingDepartmenthasbeengiventheresponsibilityforlicensing,supervising,examiningandregulatingthecheckcashingbusinessesthatoperatehere.Weareresponsibleformorethan3,500companiesinthefinancialservicesarea,whichincludemorethan300depositoryinstitutionswithassetstotalingover$1.3trillion,75moneytransmitters,2,200mortgagebrokers,morethan300mortgagebankersandmanybudgetplanners,premiumfinanceandsalesfinancecompanies.Wehavelicensedyourindustrysince1944,andcurrentlyweareresponsiblefor213checkcasherswith964locations,employing4,000people.In2004,inNewYorkStatealone,licensedcheckcasherscashedmorethan$35.1millioncheckswithanaggregatefacevalueofsome$15.5billion. 回复收起回复4楼2007-09-29 13:44该楼层疑似违规已被系统折叠隐藏此楼查看此楼 Asyouknow,nationwide,thissectorcomprisessome11,000neighborhoodlocations,whichcashupwardsof180millionchecksannuallywithanaggregatefacevalueofmorethan$55billion. 回复收起回复5楼2007-09-29 13:44该楼层疑似违规已被系统折叠隐藏此楼查看此楼 Thatconferenceprovidedanopportunityforthetwoindustries(bankingandMSBindustries)mostaffectedbyBSA/AMLissuestohearthesamemessageatthesametimefromregulatorsandlawenforcement.Inandofitself,theconferencedemonstratedhowregulatorsandlawenforcemententitiescommunicatewitheachotherandhowtheirvaryingperspectivesactuallycomplementeachother.Theconferencealsomadeitclearlyevidentthatbanksandlicenseesneedtocommunicatewiththeirregulators.Finally,itwasparticularlyimportantinshiningalightonhowtheindustriesinteractwitheachother.Wewouldbehappytodothisagain.Communicationtohelpeveryoneunderstandisvitalifwearetobesuccessful.Themoreyouunderstandthebanksandthebanksunderstandyourbusinessesthebetter.Whichbringsmetothethirdavenuewearepursuing.Averylargepartoftheproblemisthatbanksneedtounderstandwhatyouareallabout.AndIamnottalkingaboutwhyyouexistorwhatimportantbusinessyoufacilitate.Banksneedtotrustthatyouareconductingyourbusinessesincompliancewithalltherulesandregulationsthatapply.AsIamsureyouarealldoing.Andworkingtogetherishowwebuildthattrust. 回复收起回复6楼2007-09-29 14:02该楼层疑似违规已被系统折叠隐藏此楼查看此楼 Communicationisimportantonavarietyoflevelsandwithvarietyofpartners.Buildingrelationships.Workingwithlawenforcementtofacilitateinformationsharingandcoordinationprovidesasolidbasistoidentifyinappropriateorunlicensedactivityandassistsintargetingwherethisactivitymightbetakingplace.BanksandMSBsmusthaveopencommunicationwitheachothertomaintainthebankingrelationship.Theymustalsomaintainalineofcommunicationwiththeirrespectiveregulatorstostayup-to-datewithregardtochangingconditionswithinthetwoindustriesandtounderstandregulatoryexpectations. 回复收起回复7楼2007-09-29 14:04该楼层疑似违规已被系统折叠隐藏此楼查看此楼 Exercises:Questions:1.Explainwhygoodcommunicationisvitalinthefinancialindustry?Asweknow,communicationistheexchangeofmessagesbetweentwoormoreparties.Tobesuccessful,fromsendertoreceiver,withfeedbackfromthereceiverbacktothesender.Theimportanceofgoodcommunicationtofinancialindustryasfollows:(1) Goodcommunicationismakingforfinancialindustrychanginginformationwiththeircustomers.(2) Goodcommunicationisadvantagetofinancialindustryimprovetheirimagesandpopularities.(3) Goodcommunicationishelpfulwiththetrustcooperationbetweenfinancialindustryandcustomers,it’simportanttothedevelopmentoffinancialindustry.(4) Goodcommunicationishelpforwardtoimprovethebusinessoffinancialindustry’soperationcontrolmode,businesscandependtocommunicationtogetmoreOpinionandsuggestion,makebusinessprogress.2.Whatismeantby‘encoding’?Encodingmeansthesenderconvertsthemessageintolanguage,symbolsand/orbodylanguage,whichtheybelievethereceiverwillunderstand.3.Explaintheimportanceof‘feedback’asanelementofcommunication.Feedbackmeanstheresponsethereceiverofamessagegivesbacktothesender.4.Therearethree(3)basicformsofcommunication.Whatarethey?a.b.c.5.Namesix(6)barrierstocommunication.a.b.c.d.e.f.6.Explainhowyouwouldcheckthataverbalmessagehasbeenproperlyreceived.Activities1.Listallthecommunicationskillsyouwouldusewhengreetingaclientforthefirsttimeinafinancialinstitutionsayasecuritiescompany.2.ListthecommunicationskillsyouwouldemploywhenspeakingonthetelephonewithaclientwhocannotspeakEnglishverywell.3.Listthebodylanguagecharacteristicsyoushoulddemonstratewhenassistingapotentialclienttochooseaparticularproduct.43Activelisteningisvitalinfinancialservice.Listactivelisteningcomponentsthatwillcreateagoodrelationshipwiththepersonwithwhomyouarecommunication. 回复收起回复9楼2007-09-29 15:48 登录百度帐号扫二维码下载贴吧客户端下载贴吧APP看高清直播、视频！贴吧热议榜 1黄景瑜前女友自杀未遂1697598 2黑龙江现有病例全部出院1648972 3太极拳大师马保国被KO1584800 4演员李光洁当爸1517592 5加拿大养老院老人护工全感染1435499 6玉兔二号已自主唤醒1091618 7高校老师下田直播教插秧983304 8英国民众上街抗议935720 9硕士儿子失踪8年756238 10理发师没顾客给猴子理发579042 贴吧页面意见反馈违规贴吧举报反馈通道贴吧违规信息处理公示 7回复贴，共1页