Flood Insurance and Natural Disasters: How to Build a Successful Compliance Program

    /Dr. Gina  /J. Lowdermilkspeaker of Training Doyensinvite
    Speaker: Dr. Gina J. Lowdermilk

    More Trainings by this Expert
    Duration: 60 Minutes
    Product Code: 50965
    Level: Advanced

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Flooding is the most common natural disaster in the United States. It's also the most expensive, costing homeowners, insurers and the government billions each year. If most of your customer’s wealth is tied up in their house, they may be risking financial ruin without adequate flood insurance coverage.

Financial institutions also must protect their financial interests. Natural disasters put those interests at risk. This webinar will discuss what flood insurance during natural disasters covers, how much it costs, how it works, and who should consider adding it as well as how to ensure that your institution is compliant with Fair Lending requirements and how to build a successful program.


The increased scrutiny of examiners and regulators regarding flood insurance compliance program requires financial institutions to increase their oversight efforts. Non-compliance with flood insurance requirements increases risk exposure of financial institutions failing to protect consumers. As a result, financial institutions can experience negative implications affecting them both operationally and financially.

Flood Insurance continues to evolve with the increased number of natural disasters, and it’s now more important than ever that those financial institutions ensure they are implementing the appropriate tools to ensure they are compliant with Fair Lending rules and regulations.


  • Historical look at flood insurance for financial institutions
  • Current flood insurance insights with increase in natural disasters
  • Determining how your institution is affected by natural disasters
  • How can institutions address areas of concern
  • Preparing for the future


  • Define what flood insurance coverage is
  • Identify operations and activities that have flood insurance implications
  • Tips and suggestions for an effective flood insurance compliance program
  • How to effectively audit flood insurance activities
  • Maintaining flood insurance compliance


  • Compliance Officers
  • Lending Personnel
  • Compliance Auditors


Years of Experience: 15+ years

Areas of Expertise: BSA/AML and Financial Regulatory Compliance 

Dr. Gina J. Lowdermilk, PhD (ABD), CAMS, CRMS is a qualified BSA/AML and Financial Regulatory Compliance professional with extensive policy and procedure development and implementation, training, internal audit, monitoring, risk management, and reporting experience. Her emphasis has been on working with financial institutions that are experiencing regulatory concerns and resolutions, including enforcement actions such as memorandums of understanding and cease and desist orders. Her 15 years of experience has given her the opportunity to work with small community banks to large international financial institutions. Her roles not only included BSA/AML and Compliance, but also operations, lending services, business development, marketing, management, department development, and asset quality.

Ms. Lowdermilk has worked with all of the financial regulators and examiners. She possesses advanced Microsoft Excel, PowerPoint, Word, Internet Explorer, Visio, and Access skills. She also has experience with FiServ, BAM, CRA Wiz, TeamMate, COGNOS, and Metavante banking software. Gina has been responsible for creating both recurring and ad hoc executive management and board presentations. In addition to her above experience, she is also an adjunct instructor for the business and construction management programs at a local college, as well as writes numerous BSA/AML and Compliance articles, training materials, and manuals as per clients’ requests.

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