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เนื้อหาจัดทำโดย Mark Treichel and Mark Treichel's Credit Union Exam Solutions เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก Mark Treichel and Mark Treichel's Credit Union Exam Solutions หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal
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Squid Game is back, and so is Player 456. In the gripping Season 2 premiere, Player 456 returns with a vengeance, leading a covert manhunt for the Recruiter. Hosts Phil Yu and Kiera Please dive into Gi-hun’s transformation from victim to vigilante, the Recruiter’s twisted philosophy on fairness, and the dark experiments that continue to haunt the Squid Game. Plus, we touch on the new characters, the enduring trauma of old ones, and Phil and Kiera go head-to-head in a game of Ddakjji. Finally, our resident mortician, Lauren Bowser is back to drop more truth bombs on all things death. SPOILER ALERT! Make sure you watch Squid Game Season 2 Episode 1 before listening on. Let the new games begin! IG - @SquidGameNetflix X (f.k.a. Twitter) - @SquidGame Check out more from Phil Yu @angryasianman , Kiera Please @kieraplease and Lauren Bowser @thebitchinmortician on IG Listen to more from Netflix Podcasts . Squid Game: The Official Podcast is produced by Netflix and The Mash-Up Americans.…
Hot Off the Press: NCUA Exam Priority Letter - Our Take
Manage episode 461061410 series 3303439
เนื้อหาจัดทำโดย Mark Treichel and Mark Treichel's Credit Union Exam Solutions เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก Mark Treichel and Mark Treichel's Credit Union Exam Solutions หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal
www.marktreichel.com
https://www.linkedin.com/in/mark-treichel/
Our most downloaded episode of the year: Our Take on the NCUA Supervisory Priority Letter.
228 ตอน
Manage episode 461061410 series 3303439
เนื้อหาจัดทำโดย Mark Treichel and Mark Treichel's Credit Union Exam Solutions เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก Mark Treichel and Mark Treichel's Credit Union Exam Solutions หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal
www.marktreichel.com
https://www.linkedin.com/in/mark-treichel/
Our most downloaded episode of the year: Our Take on the NCUA Supervisory Priority Letter.
228 ตอน
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×www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Kyle S. Hauptman Designated as NCUA Board Chairman ALEXANDRIA, Va. (Jan. 22, 2025) – President Donald J. Trump has National Credit Union Administration Vice Chairman Kyle S. Hauptman as the thirteenth Chairman of the NCUA Board. “I am deeply honored that President Trump has asked me to serve as Chairman of NCUA,” Chairman Hauptman said. “I look forward to leading the agency’s dedicated professionals and working with my Board colleagues to create a regulatory structure that promotes growth, opportunity, and innovation within the credit union system. “My priorities as Chairman include: Re-examining the current NCUA budgeting process. Convening groups of NCUA employees to identify achievable internal efficiencies to reduce unnecessary frictions in the agency’s operations. Promoting the appropriate use of artificial intelligence (AI) as a tool for NCUA employees. One goal is enhancing productivity, but it’s also true that regulators who use technologies are more apt to understand why the regulated use them. Focusing on true financial inclusion, which means removing barriers to de novo credit unions and removing the ‘pain points’ that have led to fewer and fewer small credit unions. NCUA should be mindful that the only people who think compliance is easy are those that don’t have to do it. Codifying our procedures to protect Americans from regulation-by-enforcement. For example, no enforcement action should ever set - even clarify - policy. In America and other free societies, the sequence is: set speed limits, then give speeding tickets (no one has any obligation to be aware of someone else’s ticket). Making clear that credit unions and their members are best positioned to assess their communities’ climate risks. Re-assessing NCUA policies that may, even inadvertently, dissuade credit unions from serving low-income areas. This includes language around overdraft policies, particularly for credit unions located in states with especially punitive government late fees/penalties. Right-sizing credit unions’ obligations where possible under the Bank Secrecy Act, including NCUA’s regulations surrounding Suspicious Activity Reports.”…
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary : In this episode of With Flying Colors , host Mark Treichel sits down with Steve Farr, a former NCUA examiner and capital expert, to discuss the complexities of credit union capital management. With decades of experience, Steve shares insights into the evolution of capital regulations, the purpose of regulatory capital, and the challenges credit unions face in maintaining the right balance between risk and growth. Key Takeaways : Steve Farr’s Background : Steve shares his extensive career journey, from starting as an NCUA examiner in 1987 to becoming a key player in regulatory capital rulemaking. Purpose of Regulatory Capital : Understand why capital is essential for credit unions, from absorbing losses to maintaining public confidence. Net Worth Ratios and PCA : Dive into the history and significance of net worth ratios in ensuring credit union stability. New Complex Credit Union Leverage Ratio (CCULR) : Learn about the simplified capital adequacy measure introduced in 2023 and its implications for credit unions. Risk-Based Capital : Explore how this tool provides credit unions with a tailored perspective on their capital adequacy. Capital Management Strategies : Discover best practices for developing a capital plan that aligns with your credit union’s unique risks and opportunities. Listener Questions : Have questions about credit union capital or topics from today’s episode? Send them to Mark via email at cu.exam.solutions@marktreichel.com or through his website at www.marktreichel.com . Your question might be featured in a future episode! Contact Information : For consulting inquiries or to learn more about how Mark and Steve can assist your credit union, reach out using the above contact details. Closing Thoughts : This episode highlights the importance of a strategic approach to capital management. Whether you’re grappling with regulatory requirements or looking to optimize your capital structure, this conversation offers valuable guidance for credit union leaders…
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ ## Episode Summary: NSF and Overdraft Fees - What You Need to Know In this episode, Mark Treichel interviews Joe Goldberg, former director of the NCUA's division of consumer compliance policy and outreach, about the December 2024 NCUA letter addressing consumer harm from certain overdraft and NSF fee practices. ### Key Topics Covered: Joe Goldberg discusses NCUA's recent guidance on problematic overdraft fee practices, including: 1. Authorized Positive Settled Negative (APSN) fees - When a debit transaction is approved with sufficient funds but settles negative due to intervening transactions 2. Multiple re-presentment fees - When members are charged multiple NSF fees for the same check/ACH item being represented 3. Return Deposited Item (RDI) fees - When members are charged for depositing third-party checks that are returned The episode also covers: - NCUA's historical approach to overdraft oversight since 2005 - Risk management principles credit unions should consider - The agency's current supervisory approach and expectations - New research findings on overdraft/NSF fee revenue at credit unions ### Key Takeaways: - Credit unions should review their overdraft programs for compliance with current guidance - Self-identification and correction of issues is viewed favorably by NCUA - Overdraft/NSF fees typically comprise 2-5% of credit union revenue - The agency will continue monitoring these fees through call report data - Credit unions should ensure fee practices are fair and clearly disclosed to members ### Featured Guest: Joe Goldberg - Former Director, Division of Consumer Compliance Policy and Outreach at NCUA (2014-2021) ### Host: Mark Treichel - With Flying Colors Podcast…
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Description: In this special archive episode of With Flying Colors , Mark shares valuable insights from his years of experience in credit union examination and consulting. Broadcasting straight from the beach, he breaks down the top 10 ways credit unions can avoid receiving a Document of Resolution (DOR) from the NCUA. Whether you're preparing for an exam or just looking to fine-tune your operations, these practical tips will help ensure compliance and maintain a smooth examination process. What You'll Learn in This Episode: Understanding Document Resolutions (DOR): What they are, why they occur, and how to avoid them. Key Triggers for DORs: Common issues such as violations of regulations, policies, or strategic plans. Proven Strategies: How to communicate, negotiate, and train effectively to avoid potential pitfalls. Best Practices: Mark’s insights on proactive planning, staying informed, and maintaining good examiner relationships. Top 10 Tips Highlighted in This Episode: Comply with the Federal Credit Union Act and NCUA regulations. Follow your organization's policies diligently. Stick to your approved strategic plan or adjust it responsibly. Communicate effectively with NCUA examiners. Negotiate issues identified during the examination process. Invest in training for staff, boards, and committees. Stay updated with regulatory changes by subscribing to NCUA Express. Listen to informative podcasts like With Flying Colors and Credit Union Regulatory Guidance . Avoid accounting problems by ensuring reconciliations and timely audits. Make senior leadership accessible to examiners during the examination process. Resources Mentioned: NCUA Express Credit Union Regulatory Guidance podcast Mark’s consulting services for NCUA examination support Call to Action: If you enjoyed this episode, don’t forget to subscribe to With Flying Colors for more actionable tips and insights into navigating NCUA exams and credit union compliance. Ratings and reviews on Apple Podcasts and Spotify are always appreciated!…
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Our most downloaded episode of the year: Our Take on the NCUA Supervisory Priority Letter.
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The NCUA Appeal Process: A Complete Guide # NCUA Appeal Process with Mark Treichel ## Overview This episode covers the formal appeal process at NCUA, detailing how credit unions can appeal examination findings and supervisory determinations. ## Key Points About Initial Response to Examination Findings - Start with the examiner level - resolving issues at the lowest level is most time and cost-efficient - Common reasons for appeals include: - Factual errors not corrected - CAMEL code downgrades - Requirements that could negatively impact member service - Requirements affecting capital building or earnings - Requirements impacting liquidity control ## What Can Be Appealed Material supervisory determinations that may significantly affect: - Capital - Earnings - Operating flexibility - Nature/level of supervisory oversight Specifically includes: - Composite examination ratings of 3, 4, or 5 - Loan loss reserve adequacy determinations - Classification of significant loans/assets - Federal consumer financial law compliance determinations - Certain waiver requests/additional authority applications ## Appeal Process Timeline 1. Initial Appeal to Regional Director - Must file within 30 days of examination - Regional Director has 30 days to respond 2. Secondary Appeal Options (if Regional Director denies) - 30 days to appeal to either: - Office of Examination & Insurance, OR - Supervisory Review Committee (recommended path) - These bodies have 60 days to respond - Can request oral hearing with Supervisory Review Committee 3. Final Appeal to NCUA Board - 30 days to file after previous denial - Board has 90 days to decide - May request oral hearing (not guaranteed) Total timeline can extend 8-12 months, especially if oral hearings are involved. ## Important Considerations - Must follow each step sequentially - cannot skip levels - Component CAMEL ratings cannot be directly appealed, but arguments about components support composite rating appeals - Document resolutions are negotiable - Appeals create an administrative record - Partial victories possible at each level - Success likelihood typically increases at higher levels - "Tie goes to the runner" - burden of proof is on the credit union ## Resources Related regulations: - Part 746, Subpart A of NCUA regulations - Preamble to final rule provides important context ## Contact Information For more information or consultation about appeals: - Connect with Mark Treichel on LinkedIn - Contact Credit Union Exam Solutions *Note: This episode expands on an earlier podcast about the regional appeal process featuring Todd Miller.*…
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Everthing You Need to Know on ALCO CHARTERS AND GOVERNANCE Key Topics to Include: Committee charters vs. policies Committee composition and member selection Board involvement considerations Role of Chief Risk Officer and other key positions Authority and delegation framework Documentation requirements Strategic alignment with board objectives…
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ www.marktreichel.com https://www.linkedin.com/in/mark-treichel/
Set up a call: https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10 Check out our website: https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10 Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone! We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out. Hire us and gain: • Peace of mind during your exam process • Insider knowledge of NCUA procedures and expectations • Strategies to address potential issues before they become problems • Continuous access to our extensive subject matter expertise With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination. Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed. LUAs What You Need to Know Key Points: - LUAs are formal agreements between NCUA and credit unions to address severe problems - Usually issued to troubled credit unions, though occasionally for compliance reasons - Formal LUAs are typically published by NCUA - LUAs describe major issues and required corrective actions with timelines - Language in published LUAs can be very strict and one-sided - Credit unions should seek outside advice when faced with a published LUA - All board members are bound by an LUA, even those who vote against it - LUAs should focus on root causes, not every minor issue - LUAs for established credit unions generally don't have termination dates - In the current economic climate, NCUA may be issuing more LUAs Advice for Credit Unions: - Understand all requirements and timelines in an LUA before signing - Negotiate terms with NCUA if possible before finalizing - Request reasonable time to review draft LUA with board - Consider consulting attorneys or credit union advisors - Be aware of reputational risks from published LUAs - Recognize that all board members are bound by a signed LUA Guest Experts: - Steve Farrar: Former NCUA examiner and central office staff - Todd Miller: Former NCUA examiner and director of special actions Host: Mark Treichel, Credit Union Exam Solutions This episode provides an in-depth look at Letters of Understanding and Agreement (LUAs) from former NCUA insiders, offering valuable insights for credit union leaders dealing with these formal actions.…
Set up a call: https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10 Check out our website: https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10 Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone! We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out. Hire us and gain: • Peace of mind during your exam process • Insider knowledge of NCUA procedures and expectations • Strategies to address potential issues before they become problems • Continuous access to our extensive subject matter expertise With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination. Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed. Crisis Communication in Credit Unions ## Episode Summary In this episode, host Mark Treichel sits down with John McKechnie, a veteran in credit union affairs, to discuss crisis communication strategies for credit unions. Drawing from their extensive experience at the National Credit Union Administration (NCUA), they share valuable insights on handling various crises, from financial meltdowns to cyber attacks. ## Key Topics Covered: - The importance of quick and transparent communication during crises - Developing and implementing crisis communication plans - Prioritizing stakeholders in crisis situations - Learning from past experiences and conducting post-crisis reviews - Balancing member needs with institutional stability during crises - Adapting communication strategies for different types of crises (e.g., financial, technological) ## Notable Quotes: "It's got to go out. It's got to go out quick. It's got to be accurate... if you don't communicate, the vacuum gets created and the water cooler talk starts." "Omar Bradley, during the 2nd World War, used to say that when the fighting starts, plans are useless, but planning is essential." ## Takeaways: - Having a crisis communication plan is crucial for credit unions - Transparency and speed are key in crisis communication - Regular tabletop exercises can help prepare for potential crises - Post-crisis reviews are essential for continuous improvement ## Guest Information: John McKechnie - Credit Union Consultant Email: john@johnmckechniellc.com Phone: 202-997-5816…
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Reach out to learn how we assist our clients with NCUA so they save time and money: https://www.linkedin.com/in/mark-treichel/ https://www.marktreichel.com/
Set up a call: https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10 Check out our website: https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10 Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone! We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out. Hire us and gain: • Peace of mind during your exam process • Insider knowledge of NCUA procedures and expectations • Strategies to address potential issues before they become problems • Continuous access to our extensive subject matter expertise With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination. Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed. # With Flying Colors Podcast: Fraud and the Necessity of On-Site Exams ## Episode Summary Mark Treichel discusses the importance of on-site exams by NCUA (National Credit Union Administration) in detecting and preventing fraud in credit unions. He explores the concept of the Fraud Triangle and explains why a physical presence is crucial in maintaining the integrity of financial institutions. ## Key Points 1. NCUA Chairman Todd Harper emphasized the need for increased travel budget to accommodate on-site exams. 2. Recent credit union failures involved fraud as a contributing factor. 3. The Fraud Triangle consists of three elements: pressure, opportunity, and rationalization. 4. Physical presence of examiners can deter fraudulent activities by reducing opportunities. 5. While virtual examinations have their place, on-site visits remain essential for thorough oversight. ## Notable Quotes - "As examiners return on site, they have found an increase in record keeping deficiencies, problems with internal controls, and instances of fraud." - NCUA Chairman Todd Harper - "The opportunities available for committing the fraud motivate the fraudsters to commit the fraud." - Mark Treichel ## Conclusion Mark Treichel argues that while the pandemic has shown that many examination procedures can be done remotely, NCUA should maintain a balance between virtual and on-site examinations to effectively prevent and detect fraud in credit unions. ## Resources Mentioned - Credit Union Exam Solutions: marktreichel.com --- *Subscribe to "With Flying Colors" for more insights on achieving success with NCUA.*…
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Want to learn how we assist our clients with NCUA so they save time and money? Schedule your free call today: https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic
Set up a call: https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10 Check out our website: https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10 Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone! We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out. Hire us and gain: • Peace of mind during your exam process • Insider knowledge of NCUA procedures and expectations • Strategies to address potential issues before they become problems • Continuous access to our extensive subject matter expertise With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination. Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed. ## Episode Summary Mark Treichel and Todd Miller discuss the importance of good policies in credit unions, their key elements, and how they contribute to high-performing organizations. ## Key Points 1. Importance of policies in credit unions 2. Reasons for having comprehensive policies 3. General thoughts on policy implementation 4. Common elements of good policies 5. The role of board packages in credit union governance ## Guest: Todd Miller - Former NCUA employee (1987-2021) - Held roles including examiner, problem case officer, regional capital market specialist, and director of special actions ## Detailed Notes ### Why Credit Unions Need Comprehensive Policies - Required by regulations - Ensure compliance with laws - Serve as training tools - Set expectations and communicate corporate culture - Establish standards for behavior and performance - Keep management accountable - Help defend against lawsuits ### General Thoughts on Policy Implementation - Implementation should happen from the top down - Policies need to be readily accessible to staff - Keep policies current and up-to-date - Document and report policy exceptions - Consequences for not following policies should be clear ### Common Elements of Good Policies 1. Purpose and objectives 2. Establish accountability 3. Risk appetite statements 4. Limits on individual authority 5. System of reports based on risk assessment 6. Systematic review dates ### Importance of Reporting - Demonstrate compliance with policy - Show trends over time for context - Include early warning indicators - Report on risk limits and policy exceptions ### Board Packages - Should contain information the board needs to know, not just wants to know - Reflect the nature and situation of the credit union - In high-performing credit unions, board packages provide transparency on organizational goals and performance ## Key Quotes [Include 2-3 key quotes from the "good quotes" section] ## Call to Action Subscribe to With Flying Colors on your favorite podcast app for more insights on achieving success with NCUA. Visit marktreichel.com to learn more about services for credit unions.…
Set up a call: https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10 Check out our website: https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10 Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone! We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out. Hire us and gain: • Peace of mind during your exam process • Insider knowledge of NCUA procedures and expectations • Strategies to address potential issues before they become problems • Continuous access to our extensive subject matter expertise With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination. Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed. ## Guest: Rick Mumm Former NCUA employee with over 34 years of experience, including 25+ years working in CURE (Credit Union Resources and Expansion) and its predecessor offices. ## Topics Discussed: 1. Field of Membership (FOM) Overview - Types of FOMs: new charters, adding groups, community, underserved areas, TIPs - Centralization of FOM at NCUA in 2010 2. Trade, Industry, and Profession (TIP) Credit Unions - Challenges in defining and approving TIPs - Limitations of TIPs (occupational only, not associational) 3. Underserved Areas - Popular FOM addition for multiple common bond credit unions - Distinction between underserved areas and low-income designations 4. Low-Income Designations - NCUA designation process - Benefits: no limit on business loans, more non-member deposits, access to grants/loans - Secondary capital opportunities 5. Merger Packages - Process for merging credit unions - Field of membership compatibility issues - Emergency mergers 6. Bylaws - Standard vs. non-standard bylaws - Rick's involvement in writing the 2020 version of NCUA bylaws 7. Other Services - New charters - Share insurance questions and training ## Key Takeaways: - Rick's extensive experience offers unique insights into NCUA's internal processes - His knowledge can help credit unions create efficient, approvable packages - Understanding the nuances of different FOM types is crucial for credit unions ## Contact Information: - Rick Mumm: info@rcuservices.com - Mark Treichel: cuexamsolutions@marktreichel.com - Website: www.marktreichel.com ## Notable Quotes: "I've seen, kind of grew up with field of membership from when, you know, as an analyst, I process groups, whereas now, you know, groups are processed online." "I know what CURE is looking for, what holds things up, what doesn't, and can be able to say, 'Hey, you know, you can do that, but you're going to add another two, three months onto the package, or we can do this and it'll get approved a lot faster.'"…
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