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first_img This post is currently collecting data… 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Doug Falvey Doug Falvey is Senior Vice President at Allied Solutions. Doug’s responsibility at Allied includes overall responsibility for the Loan Servicing Products Division (LSPD).  LSPD encompasses all aspects of operations … Web: https://www.alliedsolutions.net Details This is placeholder text center_img According to The Financial Brand, online banking usage jumped up to 30% in March and April during the onset of the COVID-19 pandemic in the United States. While a shift to digital is not a new trend, stay-at-home orders during this year’s pandemic accelerated digital adoption for both credit unions and borrowers alike as everyone learned to maneuver a volatile, uncertain economy. Borrower behavior pivoted to leveraging more mobile and digital options for contactless service transactions from businesses.Tools such as text, email, and online portals enable self-service options that offer convenience for the borrower and enhanced efficiencies for financial institutions to gather information and mange requests in a timely manner. Adaptable, Convenient Self-Service Investing in digital channels offers your members a convenient way of communicating and additional preferences for exchanging and receiving information. With more channels, borrowers can choose, whether that be: text, email, chat, or phone. These solutions can be utilized for: Borrower communicationService notifications Insurance verification Payment remindersAccount management and self-serviceFinancial institutions implementing additional communication channels notice improved service operations with a reduction in inbound and outbound calls, providing borrowers with various ways to take action on their own. This becomes especially important as online and mobile usage continues to increase. Email remains a go-to, cost effective communication channel for businesses seeing high customer engagement and return on investment. However, there’s a lot of noise to compete against in borrowers’ inboxes which can result in low response rates. Texting is an informal way to reach people in a channel they are familiar and receptive to, and is rapidly growing as an alternative communication channel that can quickly prompt a response: It’s estimated approximately 96% of Americans own a cellphone80% of cellphone users own a smartphone device 90% of text messages are opened within the first three minutes80% of cell phone users report that they open every text message they receive (according to Pew Research Report)  How can digital tools integrate with a CPI program?Traditionally, the insurance tracking process involved sending letters when a borrower’s policy lapsed. These letters, although necessary for compliant disclosure, can lead to negative responses or confusion from the borrower in how to proceed with next steps. Digital communication through email and text can be a quick and familiar way for borrowers to immediately respond and update their policy. By focusing on proactive communication and notifications before lender-placed coverage is needed, credit unions can reduce borrower noise, enhance member experience, and minimize penetration and false placement rates. At Allied Solutions, we’ve found approximately 8% of borrowers have not provided proof of physical damage insurance on their collateral. However, on average, only 1 to 3% will remain uninsured after being informed of their requirement to maintain coverage. Finding a successful method to communicate with borrowers while also prompting an action is a challenging balancing act. Digital communication channels can be an unobtrusive, but effective, way to obtain necessary information, such as verifying insurance with proof of coverage. Looking Forward to a Digital FutureAt Allied, we have implemented texting as a communication channel in our insurance monitoring and payments operations in addition to our other channels: email, automated web verification, and mail. Our borrower text messages act as instant, convenient notices to remind your borrowers of their insurance requirements and invite them to verify insurance through our self-service website, MyInsuranceInfo.com. To date, we’ve seen a success rate of 43% in receiving insurance via text messaging. Texting as part of a collateral risk management program empowers your borrower to self-verify important loan information and lets them know if insurance is received and if additional action is needed. Digital tools provide self-service opportunities for borrowers to engage and take action. These communication channels demonstrate a shift towards more automation and digital tools to help effectively keep your borrowers protected and informed.last_img read more

first_imgAurora, In. — The Dearborn County Recycling Center is collecting an item this holiday season that might be a bit unexpected. Holiday lights are being accepted for proper disposal. Broken holiday lights of all kinds can be dropped-off in the Recycling Center Drive-Thru, Monday through Friday 9 a. m. to 4 p.m. and Wednesday 9 a.m. to 6 p.m.Holiday lights that were in perfect working order last year might not work when they are brought out for this year’s festivities. Those lights can be brought to the Recycling Center along with all the strands that have become too tangled or burnt out to use.The Dearborn County Solid Waste Management is a subunit of the Dearborn County government. It operates the Dearborn County Recycling Center in Aurora, which provides recycling and special disposal services to residents. The public utilizes 13 drop-off locations for recycling of household items and the Drive-Thru for problematic wastes, such as tires, electronics and motor oil. The District also collects Household Hazardous Wastes and runs a non-profit reuse center for education and charitable causes. Educational services are provided at no additional cost to anyone interested.last_img read more

first_img— UAB has hired former Mississippi coach Andy Kennedy to lead its basketball program, giving him a six-year contract. The school didn’t disclose contract details, and the hiring pends official approval by the University of Alabama System Board of Trustees. Kennedy replaces Robert Ehsan, who lasted four seasons as the Blazers head coach.NHL-PREDATORS-HARPERPredators sign prospect to entry-level dealNASHVILLE, Tenn. (AP) — The Nashville Predators have signed forward Patrick Harper to a two-year, entry-level contract.The 21-year-old Harper just finished his senior season at Boston University matching his career high with 37 points and a career-best 14 goals. The 5-foot-7, 150-pound forward finished 15th in the NCAA among all skaters averaging 1.16 points a game and was second on his team in points to David Farrance, also a Predators’ prospect.,Tampa Bay Lightning advance to face Dallas Stars in Stanley Cup finals, beating New York Islanders 2-1 in OT in Game 6 — Running back Todd Gurley has accepted a contract with the Falcons, one day after being released by the Los Angeles Rams. The one-year, $6 million agreement was confirmed to The Associated Press by a person familiar with the deal, who also says Gurley needs to pass a physical. Gurley rushed for more than 1,000 yards in three of his five seasons with the Rams, but he ran for a career-low 857 yards last year.— The Bills have confirmed they are acquiring receiver Stefon Diggs in a multi-draft-pick trade with the Vikings. The trade was agreed to Monday and announced Friday by both teams. Minnesota gets four draft choices, including the 22nd overall in the upcoming draft. Diggs has topped 1,000 yards receiving each of his past two years.— The Steelers have agreed to terms with veteran tight end Eric Ebron, giving quarterback Ben Roethlisberger another proven red zone target. Ebron reached the Pro Bowl in 2018 while catching 13 touchdowns but was limited most of last season while battling an ankle injury. The Steelers also agreed to terms with guard Stefen Wisniewski, a Pittsburgh native.— The Broncos have worked out a two-year deal with former Chargers running back Melvin Gordon. A person with knowledge of the deal told The Associated Press that it’s worth $16 million with all but $2.5 million guaranteed. The two-time Pro Bowl selection has three dozen rushing touchdowns over the last four seasons and 47 touchdowns overall. Gordon totaled 908 scrimmage yards after recording over 1,200 scrimmage yards in three straight seasons from 2016 to ’18.— Saints left guard Andrus Peat has agreed to a five-year, $57.5 million contract that keeps him in New Orleans. The package virtually ensures the entire 2019 starting offensive line will return. Associated Press Toppin is Dayton’s first first-team AP All-American after averaging 20 points. 7.0 rebounds and shooting 63% in a breakout season. The 6-foot-9 sophomore helped the third-ranked Flyers match the program’s highest ranking in the final AP Top 25.Toppin is joined on the first-team by Iowa’s Luka Garza, Marquette’s Markus Howard, Myles Powell of Seton Hall and Oregon’s Payton Pritchard.COLLEGE BASKETBALL-NEWSBulldogs losing Edwards to NBA draftUNDATED (AP) — Georgia guard Anthony Edwards has announced his plans to enter the NBA draft after leading all NCAA freshmen in scoring. — All rugby in England below the top-flight Premiership has been canceled for the season. The chief executive of the Rugby Football Union says the decision was taken “to assist with long-term planning and provide clarity to the game at a time of continuous change” during the virus outbreak.— The Olympic flame has arrived in Japan from Greece and was greeted in a scaled-down ceremony at an air base in northern Japan. The flame touched down Friday amid questions about whether the Tokyo Games can open as scheduled on July 24 because of the coronavirus pandemic.COLLEGE BASKETBALL-AP ALL-AMERICANSToppin a unanimous All-AmericanUNDATED (AP) — Dayton star Obi Toppin (OH’-bee TAH’-pihn) is the lone unanimous first-team choice to The Associated Press college basketball All-America team. Update on the latest sports Judge had a CT scan on Friday and he said it showed that a “pneumothorax came back completely gone.”The Yankees announced two weeks ago that Judge had a stress fracture to his first right rib. Judge says the bone is “healing the way it should be.”The 27-year-old didn’t play in any spring training games because of soreness in his right pectoral muscle and shoulder.With opening day pushed back into mid-May at the earliest due to the coronavirus outbreak, Judge has more time to recover without missing games.VIRUS OUTBREAK-SPORTS March 20, 2020center_img The 42-year-old quarterback who spent the first 20 years of his career with the New England Patriots announced his decision Friday in an Instagram post and thanked the Bucs for the opportunity.The deal is worth $30 million per season.The signing comes three days after Brady announced on social media that he would not return to New England, ending his historic run with the Patriots.He joins an offense that led the NFL in passing yards last season. The aerial attack features a pair of 1,000-yard receivers in Mike Evans and Chris Godwin, along with tight ends O.J. Howard and Cameron Brate.In other NFL news: Edwards’ spot in the next NBA draft was expected even before he played his first game for the Bulldogs. The Atlanta product was one of the nation’s top recruits last season and has been regarded as one of the top draft prospects.The 6-foot-5 Edwards averaged 19.1 points and 5.2 rebounds for the Bulldogs.In other college basketball news:— Loyola Marymount has hired Stan Johnson as its basketball coach, replacing Mike Dunlap. Johnson spent the last five years at Marquette, most recently as associate head coach. The Golden Eagles reached the NCAA Tournament in 2017 and 2019. He was also on coaching staffs at Arizona State, Drake, Utah and Cal State Northridge. Dunlap was dismissed on March 8 after going 81-108 in six seasons.— North Florida and men’s basketball coach Matthew Driscoll have agreed to a three-year contract extension that runs through 2025. Driscoll has spent the last 11 seasons at UNF and led the Ospreys to the NCAA Tournament in 2015. He is 184-179 at UNF, with 105 of those wins coming in Atlantic Sun Conference play. — Defensive end Everson Griffen and his agent say they were unable to come to contract terms with the Vikings due to salary-cap constraints. Griffen is the longest-tenured player on the Vikes, having played 10 seasons in purple and recording eight sacks in 2019.— The Cowboys are bringing back several of their depth players, reaching agreements with linebackers Joe Thomas and Justin March, Dallas also re-signed offensive lineman Joe Looney and worked out a deal with safety Ha Ha Clinton-Dix.MLB-YANKEES-JUDGEJudge reveals he had collapsed lung, says rib improvingTAMPA, Fla. (AP) — New York Yankees slugger Aaron Judge has revealed he had a collapsed lung that has healed and said his broken rib is improving. Share This StoryFacebookTwitteremailPrintLinkedinRedditNFL-NEWSTom Brady signs with BuccaneersUNDATED (AP) — Six-time Super Bowl champion Tom Brady has signed a two-year contract with the Tampa Bay Buccaneers, saying he is embarking on a “new football journey.” USA Swimming wants Olympic postponementUNDATED (AP) — The head of USA Swimming is calling for a postponement of the Tokyo Olympics.CEO Tim Hinchey has sent a letter to leadership at the U.S. Olympic and Paralympic Committee urging it to push for a 12-month delay. In his letter, Hinchey noted the unimaginable disruptions athletes have experienced during the coronavirus crisis.The committee didn’t immediately respond to the letter. But earlier Friday, its leaders said there was no rush to postpone the Olympics.In other virus-related developments: — The Florida Panthers have been told by the state Department of Health that a part-time employee at the team’s arena tested positive for the coronavirus. The employee tested positive on March 15 and is self-quarantined while receiving medical care.— The XFL has canceled the remainder of its return season because of the coronavirus pandemic. Commissioner Oliver Luck released a statement saying the decision was made “with the health and safety of the entire XFL family as our top priority.”— The National Women’s Soccer League is delaying the start of the regular season because of the coronavirus. The league announced Friday that it is imposing a moratorium on training through April 5. The season was slated to begin on April 18.— Formula One is setting up a series of virtual races to replace postponed or canceled Grand Prix events. The series says a “number of current F1 drivers” will take part in the races, with the first set for Sunday.— The LPGA Tour commissioner has provided a little hope amid more postponements. He says the ANA Inspiration has been rescheduled for Sept. 10-13. The LPGA’s first major in the California desert had been scheduled for April 2-5. It’s the first postponed LPGA event to be rescheduled.last_img read more

first_imgHelton’s team improved markedly. After starting out 3-3, USC finished with an 8-4 record and a spot in a bowl game.  Football coach Clay Helton will remain in his position after finishing 8-4 in the regular season. Athletic director Mike Bohn said he and Helton will work together to make future decisions regarding the program.  (Daily Trojan file photo) “I am pleased to let you know Coach Helton will continue to be our head coach,” Bohn tweeted. “His commitment to our student-athletes and to leading with integrity is vital to restoring our championship program, which is the goal for all of our teams.” Although President Carol Folt said Bohn took charge of the decision-making process, she said she appreciates Helton’s high standards for himself and the way he constantly takes accountability for the team’s mistakes. In his introductory press conference in early November, Bohn challenged Helton and his team to finish the season strong. After Wednesday’s announcement, Bohn said the fact that the Trojans won five of their final six regular season games “revealed a lot about what was going on in the locker room.” “It was unfortunate,” Bohn said of the false report. “Unfortunately, we are in a culture of erroneous reporting around intercollegiate athletics and sports in general … I think [the response to] it showed the poise of our head coach, and I believe it showed the maturity of our very young team that I was really impressed with.” Helton has been on the hot seat since last season when the Trojans finished with a 5-7 record. Before the final game of 2018 against Notre Dame, a plane flew above the Coliseum trailed by a banner that read “Lynn Swann — please fire Clay Helton.” In a subsequent tweet, Bohn said he and Helton will “take a hard look” at the program and make further decisions so that USC can become a championship contender. Despite the backlash Bohn’s decision has received from the Trojan faithful, he said he is confident the fanbase will rally around next year’s Trojan squad no matter who is at the helm. The decision was highly anticipated after almost a week of contradictory information. Sports Illustrated’s Adam Maya released a report Sunday that Helton would be fired, which was refuted by prominent figures such as Yahoo Sports’ Pete Thamel and The Athletic’s Bruce Feldman, whose sources claimed Helton would stay. Despite the program’s performance, Swann — the athletic director at the time — decided to retain Helton for another year. When Swann abruptly resigned in early September and Bohn took hold of the athletic department, many fans expected Helton’s fate to be sealed regardless of the team’s performance during the season. Clay Helton will remain the head coach of USC’s football program for another season, athletic director Mike Bohn announced Wednesday. Helton expressed his faith in the team’s ability to meet the fanbase’s championship expectations moving forward. Although Helton’s job remains intact, the rest of the Trojan coaching staff is in limbo. Offensive coordinator Graham Harrell is reportedly a top candidate for the open offensive coordinator job at Texas. Clancy Pendergast’s ability to lead the defense has also been questioned since the Trojans conceded 56 points to Oregon earlier this season. “I would expect that all of us retain our high expectations, all of us keep our competitive fire burning strong, and all of us work hard to ensure that student-athletes, first and foremost, are the most important aspect of our program,” Bohn said. “[And to keep them] to help us inspire the athletes that are currently on the team and help us inspire recruits down the road to join the Trojan family.” “We know the expectations of our fans are high, as they should be,” he said in a statement. “Those are the same expectations I have for myself and that our staff and team have as well.” “He never complains,” she told Daily Trojan. “He is not a person that tries to blame anybody else. He’s a very strong, centered person who takes his program and feels responsible for it. I admire that. And that means you take responsibility for the good or the bad, and I think that’s a real trait of leadership that’s important.” “His proven ability to develop players, to have players that are united, the ability to run a program with integrity, the ability to run a program that’s poised and the ability to really help this team through lots of adversity this year reflect a leader that shows great promise to me,” Bohn told the Daily Trojan Wednesday. “My hat’s off to the players and coach [Helton] for rallying this team and helping them be successful in doing that,” Bohn said. “I know they are going to work really hard to play in a nice bowl game and to compete against a very talented opponent and use that as yet another boost to the future of the program.” “Our future is bright,” Helton added. “We have a young team on the verge of doing something special. We have seen what this team can do, having the season we have had despite going through adversity and injuries. We are headed to a great bowl and we plan to finish the season strong. And we are putting the final touches on an outstanding recruiting class.” Aidan Berg contributed to this report.last_img read more