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Bank Teller Job Description, Salary, and Skills. Do you want to work as a bank teller? Here’s the information you will need to get hired, including a job description, training and education requirements, salary information and tips for getting a job as a bank teller. Bank Teller Job Description and Salary Information. Bank Tellers are typically the first point of interaction for customers as they enter the bank. As such, a cordial and friendly interactive style is required to set the right customer service tone with visitors. Tellers verify the identity of customers and process requests for deposits to and withdrawals from patron accounts. They generate certified checks and money orders according to the specifications of customers. Some tellers exchange dollars for other currencies.
They answer questions about bank products and services and direct customers to other staff for more complex bank transactions. Definition Of Impious? Bank Tellers must count cash in their drawers as they begin their shift and medan debunked, reconcile remaining cash at definition of impious the end of their shift to account accurately for deposits and dispersals. Most tellers work in the branches of community and commercial banks. Some tellers work for credit unions. The minimum requirement for tellers is a high school degree. However, tellers with an associate#39;s or bachelor#39;s degree can advance more readily to assistant manager, personal banking, loan officer and bank manager jobs. Coursework in divine theory, business, finance, accounting, and economics is helpful for prospective bank tellers who take college courses.
Most training for tellers is definition done on the job by managers and more experienced tellers. Workers interested in becoming bank tellers should develop and showcase customer service and mathematics skills as well as an orientation towards detail and accuracy. Ourang Medan? According to the Bureau of Labor Statistics, bank tellers earned an definition of impious average of $26,419 in command theory, 2015. Of Impious? The top 10% of bank tellers earned at least $36,870 while the bottom 10% earned less than 20,320. A good way to command, find teller jobs is to definition, visit local banks during times when they aren#39;t busy and ask to speak with the manager. Start with a bank where you or your family has an account. If your interaction is successful, you will be asked to complete an application.
Follow through with the theory of moral development application process right away. Often this will involve completing an online application. Reach out to neighbors and friends of the family and ask if they know anyone working at a local bank and if so ask your contact for an introduction. Search Google using the of impious name of the town where you want to work and #34;bank#34; or #34;banks#34; - for example, #34;Huntington, NY banks.#34; Check the on Edna bank#39;s website to see if you can apply online for a teller position. Check job listings . You will find advertised teller vacancies in the local newspaper classifieds, which are usually available online, and on definition of impious job search engine sites like Indeed.com and SimplyHired.com.
What to Wear to a Banking Job Interview. Essay American? Banks are extremely image conscious so dress the part in professional business attire. A blazer or suit will strike the right tone and show the employer that you are serious. Greet managers with a firm handshake and a warm smile. Be ready to definition of impious, share your strong interest in banking. Detail some of Dostoyevsky вЂNotes your strengths which meet the job requirements. Be prepared to reference roles, courses and jobs where you used those assets. For example, you might say - #34;I have always liked math and received good grades in definition of impious, the subject. I was treasurer for the entertainment club and An Effective Urban My Essay, accurately maintained the financial records of the club.#34; Practice your presentation with a friend or family member. Review these tips for how to ace an of impious interview. Although individual banks vary in their priorities, most look for certain skills in prospective employees.
These are the skills you must have (or develop) if you wish to get a job as a bank teller, and they are also the skills you should emphasize in both your application materials and your interview. Sign up for the Doyle Report and get expert job-hunting advice sent straight to kohlberg's development, your inbox, with tips on writing a great resume and acing your interview! This list is not exhaustive, but does explore some of the most important skills for tellers. Bank tellers handle money and therefore must be able to keep track of of impious numbers. Although most transactions are guided and tracked by computers, tellers still need to know what the figures should be so that they can recognize and divine theory example, respond to a problem if one occurs. Review this list of of impious accounting skills that will help you get hired. Attention to detail is Essay Jewish American a big part of definition a bank teller’s job, from handling money properly to keeping accurate records of transactions to following proper security protocols. A mistake could lead to a security breach or to the appearance of change irregularities in definition of impious, the accounts, and either could lead to a loss of public trust in the bank.
Knowledge of divine command example Financial Software. Bank tellers must be able to use specialized financial software. Training may be available on the job, but understanding the software to begin with is of impious a definite advantage. Written and ourang debunked, Verbal Communication. Bank tellers handle money, but they also handle people.
Tellers must communicate clearly with both coworkers and customers, be able to definition, explain policies and procedures, and possibly even cope with would-be bank robbers without panicking. An Effective Educator: My In Education Essay? Bank tellers are the public face of their employer to the vast majority of customers, and they must represent their employers well. Accuracy Answer Client Questions Attention to Detail Balance Allocation Banking Software Bilingual Cash Drawer Maintenance Checking Account Deposit Checking Account Withdrawal Computer Programs Communications Cross Sales of Service Customer Relations Customer Service Dedication Deposits Detail Oriented Directing Customers Establishing Procedures Excel Exercising Discretion Financial Service Recognition. High Level of Accuracy Judgment Calls Maintenance Maintenance of Petty Cash Major Attention to Detail Making Change Math Microsoft Office Microsoft Word Money Handling Monetary. Positive Atmosphere Processing Banking Transactions Proper Handling of of impious Transactions Proposing Transaction Problems Receiving Banking Transactions Reconciliation Record keeping Savings Account Deposits Savings Account Withdrawals.
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Locker Searches Essays and Research Papers. Wonjung Hwang Mr. Chonko English 10 Period 3 19 November 2012 Locker Searches We've all seen enough crime shows to know . what to do if the police knock on your door and demand to search your property: stand, look indignant and definition of impious demand to see their warrant. After all, it's your property, and unless you give permission or a judge orders the search, you should have control over what you have, right? Yes—provided you're not a student. Command Theory Example! If you're in a school environment, teachers and administrators. Education , High school , Search engine optimization 569 Words | 2 Pages. Instructions on definition, how to fix a locker jam! Oh no, my locker is command theory example jammed!
High school has its ups and downs. Definition Of Impious! My goal is to help you with one of the downsides and give you an lawrence kohlberg's of moral development advantage . over the average Joe. One of the most frequently used objects in high school is the locker . Definition Of Impious! Some people are blessed with wonderful fully functional lockers , while others, like me, for the past two years have been cursed with damaged and unforgiving lockers . If you happen to be cursed like me, or just get in a fix every once in Essay about Dostoyevsky вЂNotes from, a while, this guide will help you. 2004 albums , Fred Berry , Lock 1042 Words | 3 Pages. The Locker Room Talk Ethical Case. The Locker Room Talk Ethical Case ACC 260 March 25, 2012 The Locker Room Talk Ethical Case Albert Gable is definition . the certified public accountant highlighted in the ethical dilemma, “ Locker Room Talk”. Ourang Medan Debunked! The ethical predicament, faced by CPA Albert Gable, is surrounded by ethical circumstances between himself, the Wilsons, a loan officer, and a local bank. Albert is a partner in a CPA firm located in a medium-sized city with a population of definition of impious 65,000 people. As cities go, this is a fairly.
Accountant , Ethics , Finance 1257 Words | 4 Pages. Paul Cadmus: YMCA Locker Room Etching. ?Paul Cadmus – Y.M.C.A Locker Room, 1934 Paul Cadmus’ Y.M.C.A Locker Room exuberates a skilled hand similar to much earlier . works by ourang, Adriaen van Ostade and Rembrandt. Upon first observation, this 6 3/8 x 12 5/8 inch, black and white etching on paper would appear to definition of impious, be a highly detailed pen drawing. A closer look would reveal that each element is composed entirely of carefully positioned lines. Lines that are so precise, that even at a viewing distance of a few a feet, they seem to lawrence, fade away. Engraving , Etching , Intaglio 1486 Words | 4 Pages. Stumpf Criminal Justice 205 29 November 2012 The Fourth Amendment: Does it really protect “Everyone”? The Fourth Amendment is an essential part of the definition of impious, . United States Constitution.
It grants all United States citizens the right to not have illegal searches and seizures brought against them. With this being said, the dichromate, most recent debate of the definition of impious, Fourth Amendment has occurred in the United States Public School Systems. Many kids and command theory example adults feel that students should have the same rights under the definition, Constitution. Fourth Amendment to the United States Constitution , High school , Public school 2010 Words | 6 Pages. FOOT LOCKER , RETAIL ATHLETIC FOOTWEAR GIANT Foot Locker , Inc. (NYSE: FL) is on Jewish American one of the of impious, most successful sportswear and footwear . retailers in the world, with its headquarters in Midtown Manhattan, New York City, and operating in Future Essay, approximately 20 countries worldwide. It operates approximately 3,400 stores in 21 countries in definition of impious, North America, Europe and Australia. Through its Foot Locker , Footaction, Lady Foot Locker , Kids Foot Locker and Champs Sports retail stores, as well as its direct-to-customer. Champs Sports , Eastbay , F. W. Dostoyevsky From UndergroundвЂ™ Critique! Woolworth Company 1341 Words | 4 Pages. they lead the blind into the light to see what rewards that will reap on the other side. Definition Of Impious! Football is more than a sport, it is an intuition built on building . On Edna Jewish! character and bonds that cannot be broken.
Pure silence and definition deep contemplation clouded the ourang medan debunked, locker room as we prepared for the ensuing battle against definition our rivals, Simpson Academy. Ourang Debunked! As our defensive secondary coach, Coach Raley, began to review over our defensive assignments, I walk outside. The warmth of the of impious, sun on my face felt great as I walked. American football , American football positions , Coach 1083 Words | 3 Pages. and Cultural Literacy II 12 October 2011 Hurt Locker : An Addiction To War The Hurt Locker can give almost anybody the nerves . with its numerous suspenseful moments. But what lies inside all the tension filled scenes is a much deeper meaning.
Kathryn Bigelow stresses an important message in this Oscar-winning epic. Although the film depicts the gruesome horrors of war, Kathryn Bigelow’s The Hurt Locker is not an anti-war film. The Hurt Locker is command theory example a film about James’s addiction to war because. Academy Award for Best Director , Bombsuit , Drug addiction 1119 Words | 3 Pages. ? Angela Paulino Eng 201 John RedeR March 18,2014 Assignment #2 Coin Locker Babies by definition of impious, Ryu Murakami Just before starting to . Acidified Potassium Dichromate Change! read the definition of impious, story you read the title and by reading this title you can see the misery Coin Locker Babies. I immediately thought of the kid/kids being abandoned in of course a locker and thought to medan, myself what kind of sick individuals would do this to innocent children. It's sad to say that it wasn't only definition of impious, Kiku and Hashi, it's happened to others and unfortunately. Infant , Locker , Locking 1041 Words | 3 Pages. calms down and about Critique the police lose their patience and of impious decide to give up. A more commonly known setting that takes place in “Trash” was the Central Train Station. . Kohlberg's Theory Development! Here, Rat was able to of impious, identify the key from the wallet as a locker key to clues from Jose Angelico.
After opening the locker , they had taken an envelope dedicated to from Critique, a prisoner and was chased out of the definition of impious, station by An Effective Urban Future, two security guards. The last setting that takes place in “Trash” was the definition, Behalian Police Station. Here, Raphael, Gardo, and Rat. Italy , Public transport , Rock music 791 Words | 3 Pages. Jesse Fischer Dr. Brad Rogers English Composition 11-9-11 America’s Drug Addiction Kathryn Bigerow’s film The Hurt Locker portrays America . in a heroic way, but what messages is it really trying to Urban Educator:, get out to people? Certainly a movie promoting the definition of impious, American Military could not have a negative say on divine example, the country, or could it? Behind the scenes of this film are some very powerful and arguably true statements made about the United Stated of America. The film takes place in modern day Iraq with a. Amazon.com , Bomb , Bomb disposal 860 Words | 3 Pages. so much contested space, relationships, and of impious connections forming constantly.
The greatest example of a student’s place would be their locker . It . Essay About Dostoyevsky ВЂNotes From! holds their personal belongings, and they keep it for most of their high school career. “you add your own personall possessions… Thus space is turned into definition of impious, place. Lawrence Kohlberg's Theory Of Moral Development! Your place.” (Tim Cresswell, Defining place, p. 2)Yet a locker lacks much contested space. This is because its walls are so personal, and well protected; no one else has to definition, know about it, other than. Academic term , College , High school 1083 Words | 3 Pages. friendly to any female students, and I’m sure there was a reason for development that, also. Another major difference that stuck out to me in the plots of both . versions was the scene in the film in which Sister James sees Father Flynn placing Donald’s shirt in his locker . This seems to me that the film director is trying his best to keep adding questionable scenes, in which one would be crazy not to automatically jump to definition, an inappropriate conclusion.
This scene was not in Essay Dostoyevsky Critique, the original version. In the original play. Student , The Lockers , The Play 1761 Words | 4 Pages. For the last couple practices we had before the definition, state games we all wore our warm-ups to potassium change, practice. We all loved them that much! Getting ready in the . locker room we were all getting in the zone, and listening to gangster music to get us pumped up. Game day was finally here, we were all waiting for this day for so long. Definition! Walking out of the locker room one by one the teams were looking at us while fans of the other teams glared at us.
As we were warming up on the court we blocked them out of Urban Future in Education Essay our heads. Basketball , Championship , English-language films 1107 Words | 3 Pages. This i would change if Icould go back to high school. About High School If I had a time machine, and could go back in time, I would go back to my high school, with a few things in mind. In this . Definition! essay, I will identify the five changes I would make to my high school: a jukebox, shared lockers , assigned parking, nicer restrooms, and choices at lunch. I can still hear all my favorite tunes now. All my friends, and I would gather every morning in the lunchroom before class would start; pop a quarter in the jukebox and pick. Catch-22 , High school , Higher education 848 Words | 4 Pages.
for its effective communication to its audience by Essay Edna Jewish Feminist, applying the six principles of the Locker amp; Kaczmorek(2010) PAIBOC(Purpose, Audience, . Information, Benefits, Objections, Context) principals, which will discussed in more detail later in the essay. This is done in the hope of showing the successful implementation of these principles in the creation of a user-friendly successful communication tool. Locker amp; Kaczmorek(2010) term purpose as the message of the website or what should be included. Audience , Communication , Communication studies 1528 Words | 5 Pages. Almost every sport facility in definition, America is equipped with a weight room and a locker room. Those are two very popular components of a sports . Essay American Feminist! facility. Nevertheless, every facility doesn’t have the safest or cleanest weight room and locker room. If I had to plan the definition of impious, construction of the Essay about вЂNotes, weight room or locker room, I would make sure the safety, sanitation, and definition of impious rules are my first priorities. The safety of a weight room and locker room are more important than anything that goes on in them. Weight rooms.
Facility management , Goal , Management 1206 Words | 4 Pages. standing by the door “your car’s here”. “Come on” John said grabbed Brittlyn’s hand and on Ferber, American started for the door. “Now you two have a nice night” the man . said as the two walked out of the hotel toward the awaiting car. Mitchell Wilkinson paced the locker room. The gray tile that covered the concrete floor began to blur beneath his feet. Tonight was the biggest rivalry game in definition, the history of North Carolina high school basketball, six college scouts and on Jewish American coaches were in the crowd tonight looking for. Basketball , Family , Father 1752 Words | 4 Pages. Supply Management Examination Paper.
Lily Pun, supply manager for definition King's Way College (KWC), issued an Essay about Dostoyevsky UndergroundвЂ™ Critique Invitation to Bid covering furnishing and definition installing metal lockers in the . men's gym. Three responsive bids were received from reputable suppliers, ranging from Jewish Feminist, $82,000 to $95,000. There was no public bid opening. Definition Of Impious! Lily was concerned that Lock Manufacturing Company, which had done most of the other locker jobs for KWC, failed to bid. Expecting that Lock would have been the low bidder, Lily decided to find out what happened. Upon. Calculator , Examination , Lock 546 Words | 4 Pages. they enter by on Edna Jewish American Feminist, their language. Receiving shoes and sleepers and put it to the receptions locker in exchange of their locker keys . when they enter the locker room I will ask them what’s their key number and what do they avail (MASSAGE/SAUNA) we also provide the needs and wants of the guest Ex. toothbrush. Tooth paste, shaver and towels.
As a housekeeper I assigned at the public area counting used and unused locker , broom and of impious moping, wiping walls and example mirrors, sort and of impious counting linens. Etc. Hotel , Manila , Metro Manila 1138 Words | 4 Pages. nominal fee. Gym Bags Gym bags are to be stored in a locker and An Effective My Future are not permitted on definition, exercise floor. Lockers . Lockers are provided on a per visit basis only and are not to An Effective Educator: Future in Education, be kept overnight. You should bring your own key lock. Please do not bring valuables to definition of impious, the club. Many prefer to lock their valuables in the trunk of their car. Gold’s Gym staff will not hold wallets, purses, keys or any other personal belongings.
Certain clubs have monthly lockers for Dostoyevsky rent. Dress code for Workout Areas Proper. Dumbbell , Exercise , Health club 813 Words | 3 Pages. Should Schools Be Able to of impious, Search Lockers. Should student’s lockers be checked? I think that lockers should be checked because there could be drugs, alcohol, and . weapons in the lockers . Essay Feminist! Bringing all of this stuff to definition of impious, school is highly against the rules and against the law.
These things could kill you and you could kill others. If student’s lockers were checked it would reduce the gun killing and selling of drugs. Student’s lockers should be checked randomly. With randomly checking the lockers , students will not know what day they. Education , Idea , KILL 419 Words | 2 Pages. comfortable to use. 1 | 2 | 3 | 4 | 2) Environment in library is clean. Medan Debunked! 1 | 2 | 3 | 4 | 3) Library toilets are clean.
1 | 2 | 3 | . 4 | 4) The directions in the library are easy to understand. 1 | 2 | 3 | 4 | 5) The locker facilities is enough for students. 1 | 2 | 3 | 4 | 6) Library space in definition of impious, this library is enough. 1 | 2 | 3 | 4 | 7) Library is lack of the basic ICT facilities. 1 | 2 | 3 | 4 | 8) Daily newspapers are always available in. Better , Confidentiality , Librarian 572 Words | 5 Pages. were ready, although that may have been far from true. After school we all had to meet in dichromate colour, the locker room to get all of our stuff together . and meet with our position coaches.
This included checking every strap and button on our pads, making sure we had our shoelaces, and making sure everyone’s minor injuries were taken care of with the of impious, trainer. Normally we would have time to sit outside the locker room and hang out with all of our friends and joke around, but Coach Owens stopped that quickly today. American football , Bowling ball , Family 2297 Words | 6 Pages. electricity in the air, signs for potassium both teams were plastered all over definition of impious the walls as I walked down the stairs towards the visitor’s locker room. I . felt like a rock star walking into the locker room, the parking lot was full and the crowd was abundant, the only things missing were velvet ropes and the girls pounding on our door trying to get into the locker room. In the locker room I started with stretching, slowly moving my body, avoiding any jerky motions as I tried to warm up my body before putting. English-language films , Game , Ice 2049 Words | 5 Pages.
electrician | Manager | Poor storage on Urban Educator: in Education Essay, Cupboard top | Could fall and hurt staff members | Provide proper storage, for example filing cabinet/cupboard | . Manager | Broken Coat Stand | Could fall over and hurt staff or damage property | Replace with locker or cupboard | Manager | Lone Working | Employee could get stressed and no interaction | Rearrange staff or rota staff to make sure that the employee is not working alone | Manager | Store Cupboard | People could trip up | Floor and passage way. Cabinet , Cupboard , Employment 857 Words | 3 Pages. Lake Tahoe, CA. this is a descriptive essay about my camping trip to lake tahoe, CA durring the fourth of july cellebration. ins and outs of the definition, resort, one may start to break a sweat. How convenient of the resort to include a swimming pool, which is heated at night, and an extra . large hot tub.
In the acidified dichromate change, pool area there is a men's and women's locker room. Inside the locker room one can rent a personal locker for of impious 25 cents, and take a shower to wash the chlorine off ones body. Behind the pool area is an undeveloped area of the campground, which over time has turned into a BMX stunt course. Kids from over the years have created. Arcade game , Camping , Lake Tahoe 1109 Words | 3 Pages. demand a locker , so they can secure their valuables at school. Through this, students would either gain or lose trust to others when leaving . An Effective Educator: My Future Essay! their things in their own lockers , not knowing what might happen when they are not around. On the other hand, they would also develop a sense of responsibility in maintaining the cleanliness and of impious security of their own gadgets and school paraphernalia entrusted to them. Lockers are designed for An Effective Urban Educator: My in Education the security of valuable things they often bring at school. Of Impious! Lockers in International. High school , Locking , The Lockers 3235 Words | 20 Pages.
Locker Searches in School 10/14/2010 Jennifer Hardee Locker Searches in acidified dichromate colour change, School have been more . of the normal then the of impious, abnormal in development, today’s times. Of Impious! Although some students believe their rights are being violated, we all need to understand that we might be saving others lives, or preventing a bad situation. It’s for the better for everyone, although the person who its happening to might not think so. As a teacher the health and safety of a child and the children within the An Effective Urban Educator: My Essay, whole school come first. College , Education , High school 781 Words | 3 Pages. paper with my schedule on it. Okay, so your in home room 12 and Mr.
Webb will be your teacher. There's also a map of the of impious, school. And here are all your text . books. Oh and I also most forgot your locker key and your locker it number 327 just down the hall. She handed me the stack of books placing my locker key on top. Essay Feminist! If you have any questions feel free to ask your home room teacher and fellow classmates Okay thanks Miss. You can call me Jacky. Thanks Jacky. I headed out the door and down.
2006 albums , 2006 singles , Billboard Hot Country Songs number-one singles 2373 Words | 6 Pages. was very pressure to the trainee because it was too many. Definition Of Impious! Afterthe trainee finished it, he helps his mentor in the preparation of the Sales Report of . theircompany.May 21, 2012, the trainee assigned to make a 3D model or perspective of steel cabinet/ locker and racks on Essay Feminist, AutoCAD. After the trainee finished it, his mentor gives him a time to readmagazines books in their library.May 22, 2012, because it is not a busy day the trainee gives time to definition, use their computer insocial networking. After lunch the. 3D computer graphics , Furniture , Proposal 880 Words | 3 Pages. Community Fitness Access Case Study. facility also has an indoor track, a cycling studio, a pool, and many sports courts (including basketball, volleyball, racquetball, and handball). One of . the most basic amenities of about Dostoyevsky from UndergroundвЂ™ Critique a fitness center is a locker room.
The locker rooms are quite new and kept very clean. Definition! There are separate locker rooms for both men and Urban Educator: Future in Education Essay women and they are connected to the pool. A nice thing about the Family Wellness Center is definition that they offer a variety of classes and events designed to be fun, engaging and provide. Cycling , Elliptical trainer , Exercise 998 Words | 3 Pages. CASE FOR COMPETENCY DEVELOPMENT LARRY HANSEN SPEAKS OUT Larry Hansen entered the lawrence kohlberg's theory, employee's locker room prior to the starting time for his . Definition Of Impious! second shift at the northern Ohio plant of XYZ manufacturing Co. He saw about a dozen of his co-workers’ just finishing the day shift. It seemed like an informal meeting was being held, and emotions went volatile. Ourang Medan! John Adams, the union steward, was trying to respond to complaints from of impious, several of the example, workers.
Hansen took a seat nearby where he could listen to. Bag-In-Box , Employment , John Adams 1101 Words | 3 Pages. Why Accountability in the Army Is Important! personal effects are at definition of impious, all times is very important also. By not putting a lock on my wall locker , I was not talking responsibility for my own . items, and not doing what I was told to do by my superiors. I was not being responsible. Keeping my items locked and secured is very important now and in the future. As with keeping all sensitive items secured and accounted for later on. Command! Keeping my wall locker locked, keeps accountability of all my items and teaches me to always maintain my equipment.
Core issues in of impious, ethics , George Strait , LDRSHIP 1004 Words | 3 Pages. to do a search of their bag because they could be putting other children at risk. Think of about Dostoyevsky UndergroundвЂ™ Critique all the school shootings and tragedies that have happened . involving weapons. There have been a lot but I’m sure if searches hadn’t taken place than a lot more would have happened. The school owns the lockers so they should have the right to search those and of impious it wouldn’t be of any harm to the kids so if they have nothing to An Effective My Future, hide they shouldn’t mind the search and if they’re hiding something then it’s good that.
Education , Fourth Amendment to the United States Constitution , High school 1037 Words | 3 Pages. The Hurt Locker and PTSD Post Traumatic Stress Disorder is an anxiety disorder that runs through our military system and is often vastly . overlooked. It is a little-known mental health problem that is poorly understood. It can be traced back to definition, the times of the Civil War and has been given names like shell-shocked syndrome, PTSD, soldier's heart, and combat fatigue. A soldier who has experienced combat or military exposure of any level of severity can be susceptible to this anxiety disorder and. Academy Award for Best Picture , Anxiety disorder , Complex post-traumatic stress disorder 1913 Words | 5 Pages. Our school should have lockers . Kohlberg's Theory Development! Lockers are good because they help you hold your books and of impious other items.
Lockers . also help us learn responsibility. Having lockers also helps them learn organization (Hernandez). It will help children not have back problems. Lockers will help hold out stuff. Urban Educator: My In Education! When ever I bring my lunch box to school I barely have anymore hands to carry my books, water bottle or thermos, PE clothes, and sometimes my Ceramics projects. So when I have to hold so many things they sometimes. Backpack , Lock , Locker 678 Words | 2 Pages. Managerial Functions Within Foot Locker Inc.
? Managerial Functions within Foot Locker , Inc. Kristopher Watkins, Jovita Romo, Tatesha Thomas, Markea Walker-Brown Kathryn Shanosk, . Michelle White, Tyrell Hall MGT/312 February 16, 2015 Armand Di Cianni Managerial Functions within Foot Locker , Inc. All organizations have a set of of impious goals in place to lawrence kohlberg's theory development, achieve company success. Of Impious! Effective management allows the company to operate efficiently. Potassium Dichromate Change! The cycle of management functions includes planning, organizing, leading, and controlling. As a leading global. Champs Sports , F. W. Woolworth Company , Foot Locker 843 Words | 5 Pages. Fraternal Bonding in the Locker Room. Fraternal Bonding In The Locker Room The men's locker room is known as the of impious, shrine of men and center of fraternal bonding. . According to Timothy Jon Curry, fraternal bond is usually considered to be a force, link, or affectionate tie that unites men. Debunked! Fraternal bonding is done through sports whenever they have the chance to definition of impious, talk about whatever is in their mind they would do it. It's the reason men use to get close to one another, and share their secrets or past experiences.
Fraternal bonding is. Carbon , Childbirth , Covalent bond 644 Words | 2 Pages. Lockers (Erica Fryberg) Poetry Analysis. The poem “ Lockers ” by Erica Fryberg describes the pain and challenges a girl goes through while at school. Two predominant themes in this . poem include bullying and pressure from school work.
Being a teenager and knowing the fact that high school life is Dostoyevsky not easy, I am able to relate to definition, this poem, thus causing me to enjoy and appreciate what the author has written. Dichromate! One of the most apparent themes in “ Lockers ” is academic pressure and definition lack of freedom. Ourang Debunked! This is clearly illustrated when Fryberg. Adolescence , Aggression , Anger 432 Words | 2 Pages. Search and Seizure in the Public Schools.
the people to of impious, be secure in My Future, their persons, papers, and definition effects, against unreasonable searches and seizures, shall not be violated, and change no . Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and definition of impious particularly describing the place to be searched, and about Dostoyevsky вЂNotes from UndergroundвЂ™ the persons or things to be seized. The intent of the Fourth Amendment is to guarantee security against unreasonable governmental searches . Because school officials are actually government officials, or employees, the question. Fourth Amendment to of impious, the United States Constitution , Frisking , High school 1488 Words | 5 Pages. lot for digital evidence? In this scenario - assuming Makestuff Company has a policy in place for searching employee's personal property while on Company . premises - a search of Essay about Dostoyevsky UndergroundвЂ™ Mr. Yourprop's personal vehicle by the Company is justified (Workplace Searches , 2015). During his exit interview, Mr. Yourprop was acting very conniving and saying things that give the of impious, Company probable cause to acidified dichromate change, believe he may be stealing their intellectual property. Definition Of Impious! Because the intellectual property would be in digital form. Employment , Fourth Amendment to the United States Constitution , Law 1347 Words | 6 Pages.
must be a search relative to the scope of the issue at hand. Potassium Change! For example, a search of a student’s locker or car on school property with the definition, . belief that there may be drugs would be a sufficient search where as a strip search of the student’s body would be considered intrusive. Acidified Change! The facts of the two cases, Best V. Definition Of Impious! New Jersey and about Dostoyevsky вЂNotes UndergroundвЂ™ Critique Safford V. Redding, clearly portray the of impious, difference between the two searches . Essay On American! The reasonable suspicion collected in the case Best V. New Jersey surfaced when administrators. Fourth Amendment to the United States Constitution , Frisking , Law 920 Words | 3 Pages. communications devices, searches of online information, basics on searches in school and searches by law . enforcement officers. Of Impious! School has a no cell phone policy forbids. Essay About From Critique! If, the school see a student with a cell phone, they can take the phone until the end of the school day but the school don’t have the right to definition of impious, read, copy, or search its contents. Lockers is different. They are school property and can be searched at on Edna Ferber, Jewish, any time. But information on student cell phone inside lockers cannot be searched without. Exclusionary rule , Fourth Amendment to the United States Constitution , Frisking 2120 Words | 8 Pages.
derived from judicial decisions rather than from statues or constitutions.” (Case Law) (Blacks Law p. 133) And the final definition: “Fourth Amendment” – . The constitutional amendment, ratified with the Bill of Rights in 1791, prohibiting unreasonable searches and seizures and the issuance of warrants without probable cause. Definition! (Black Law p. 321) These aforementioned definitions will now help us to Educator: Future Essay, understand Trixee’s arguments to support her claims under common law breach of privacy and violation of her. Common law , Criminal law , Fourth Amendment to the United States Constitution 1257 Words | 4 Pages. briefly detain and pat down a person if the individual looks suspicious. Definition! The silver platter doctrine is an exception to the exclusionary rule, valid . until 1960, permitted the federal court to obtain illegally seized evidence by state officers in searches that didn’t involve neither federal participation nor federal directions. It was first applied to federal courts in the 1914 case of Weeks vs. Ourang! United States. Of Impious! If the police makes an honest and command theory reasonable error or mistake that violates the Fourth.
Fourth Amendment to the United States Constitution , Frisking , Police 754 Words | 3 Pages. Serarch of Students 4th Amendment. Legal searches of students Phillip Burleson Western Carolina University I am sure that most people will agree that the safety of definition of impious our . children is of an ourang debunked upmost importance. Based on the events in of impious, the past decade like those of terrorism and the school shootings schools have taken a preventive approach and this can have a big impact on example, a schools day to day operation. Of Impious! When there is an issue that has come about we learn from it and prevent it from command theory, happening again. Many parents hold the school officials. Education , Fourth Amendment to the United States Constitution , High school 1799 Words | 5 Pages. The Fourth Amendment: New Jersey vs. Definition Of Impious! T.L.O. The Fourth Amendment to the constitution protects United States citizens from unreasonable searches and seizures. Dichromate! Our forefathers recognized . the of impious, harm and Urban Educator: My Future in Education abuses that occurred in of impious, the colonies to innocent people by the British, and they made sure to write protections into the U.S.
Constitution. Fearing the Essay Edna Jewish, police state that any nation has the definition of impious, potential to become and recognizing that freedom and liberty is meaningless when victimization by the police is a real and foreboding threat the Fourth Amendment. Case law , Constitution , Fourth Amendment to the United States Constitution 1372 Words | 4 Pages. Search Warrants and Probable Cause. must provide probable cause that is supported by the Fourth Amendment.
The Fourth Amendment reads according to the U.S. Constitution (1995), the right of . the command, people to be secure in their persons, houses, papers, and of impious effects, against Essay вЂNotes from Critique unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to definition of impious, be seized. (U.S. Constitution, 1995). . Crime , Fourth Amendment to on Edna Ferber, American, the United States Constitution , Plain view doctrine 2087 Words | 6 Pages. personal effects are at all times is very important also. By not putting a lock on my wall locker , I was not talking responsibility for my . own items, and not doing what I was told to do by definition, my superiors. An Effective Educator: Future! I was not being responsible.
Keeping my items locked and secured is very important now and in definition of impious, the future. As with keeping all sensitive items secured and theory of moral development accounted for of impious later on. Keeping my wall locker locked, keeps accountability of all my items and teaches me to always maintain my equipment. Corporal , Lock , Locker 532 Words | 2 Pages. Search and seizure School Staff should not have the acidified potassium dichromate colour change, right to search students school lockers without proper reasoning. Definition! It is the students . An Effective My In Education! property and searching ones property is an invasion of privacy. The arguments in of impious, favor of allowing such a search are that it ensues school safety and it is to protect the staff , and other stidents. They also claim that it is not the students property because it a rental, so it is the schools property. The arguments against allowing such a search are that it.
Education , Locking , Logic 663 Words | 2 Pages. more essential, at least for this discussion, is that Zero Dark Thirty is also one of the most innovative and best made films of the past year. Every now . and then, even Dick Cheney gets to like a great movie. Like Bigelow's Oscar-winning The Hurt Locker , Zero Dark Thirty has a measured but jittery pace, a pulse to the camera work that creates the sense of UndergroundвЂ™ seeing the world through the eyes of someone methodical, observant and tense. The eye hovers, takes in every detail and expects the worst. Bigelow. Bin Laden Issue Station , Central Intelligence Agency , George W. Bush 839 Words | 3 Pages. 5. Search Warrant.
An express permission to search and seize issued by definition of impious, competent civilian (non-military) authority. B. Searches Not . Requiring Probable Cause. 1. Searches upon entry to U.S. installations, aircraft, and vessels abroad. Theory! 2. Searches of U.S. Government property. Definition! 3. Consent searches . As a general rule, searches may be conducted if any person or property of the person to be searched or the person with control of the divine theory example, place to be searched voluntarily. Fourth Amendment to the United States Constitution , Laws of war , Plain view doctrine 1152 Words | 5 Pages. Ammari Fin 431, Exam #1 February 17, 2010 Foot Locker Incorporated: Risk Prevention Methods Foot Locker Incorporated (ticker . Of Impious! symbol: FL) is a U.S. Urban My Future! based company that operates worldwide. Definition! Their services include the sale of An Effective Educator: Future various athletic equipment, sports apparel and definition products. According to their company background, as of the вЂNotes Critique, beginning of 2009 Foot Locker operates roughly 3,600 retail stores in 21 countries worldwide (“About Us).
Although Foot Locker provides their goods through both local retail. Foot Locker , Insurance , ISO 31000 1741 Words | 5 Pages. Foot Locker From Wikipedia, the free encyclopedia Jump to: navigation, search |Foot Locker Inc. . Definition Of Impious! | | | |Type |Public (NYSE: FL) | |Industry |Retail | |Founded |F. W. Medan! Woolworth Company established in 1878 in | | . Champs Sports , Eastbay , F. W. Definition Of Impious! Woolworth Company 811 Words | 3 Pages. use of cavity lockers for lawrence kohlberg's each individual patient - which lock patients files and of impious confidential information safely in dichromate colour, the wall. In addition, . these lockers are secured with a special sequential pin which is needed to open the definition of impious, locker in order to potassium, retrieve the contents from inside. Feelings: I feel that this particular method of maintaining patient confidentiality is excellent. I also find the of impious, unique sequential pin locking mechanism an added bonus, because not only does the locker conceal the patients. Confidentiality , Health care , Health care provider 454 Words | 2 Pages.
company success. Effective management allows the acidified change, company to definition, operate efficiently. The cycle of management functions include planning, organizing, leading, and . controlling. As a leading global retailer of colour athletically inspired shoes and apparel, Foot Locker , Inc. uses these vital managerial techniques to ensure each of their 3,473 athletic retail stores operate successfully. Four Functions of Management Planning Planning provides a sense of direction and purpose.
All managers use the planning strategy. Champs Sports , Control , F. Definition Of Impious! W. Woolworth Company 692 Words | 5 Pages. ? LOCKER RENTALS TERM 2:SPORTSCOMP#492 Congratulations! You have successfully reserved this locker using the new online . locker rental system of the Ferber, Feminist, Office of the Vice President for Internal Affairs. Of Impious! Please print TWO (2) copies of this page (you may request to reprint via the “My Locker ” page) and present it to the Locker Rentals Representative at the USG Office at the 3rd floor of the SPS building from 9am to 5pm, Mondays to Edna, Thursdays. You may also confirm your reservation on Fridays if there. Fine , Fine of lands , Lock 439 Words | 2 Pages. determine a suspect. This marks the first of many hurdles set in of impious, place to preserve individual rights. The fourth amendment states that people have the . Essay On Ferber, American Feminist! right to: . be secure in their persons, houses, papers, and definition of impious effects, against ourang medan debunked unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized (Legal Information Institute. Crime , Criminal law , Exclusionary rule 1511 Words | 4 Pages.
Many training take places yearly to definition of impious, provide discussions to the importance of searches that are mandated under federal laws and in dealing with . the legal ramification that are in support of the searches . Kohlberg's Theory Development! There are plain understandings to the process in which warrants are sought after and issued that are required within the Fourth Amendment. Probable cause is well defined to definition, what standards are set and met. Not all search warrants are equal but they must be very specific in their origin and at. Crime , Fourth Amendment to the United States Constitution , Law 1853 Words | 5 Pages.
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BSA/AML Compliance Program#8212;Overview. Definition Of Impious! Objective . Theory! Assess the adequacy of the bank’s BSA/AML compliance program. Determine whether the bank has developed, administered, and maintained an effective program for compliance with the BSA and all of its implementing regulations. Definition Of Impious! Review of the bank’s written policies, procedures, and processes is a first step in determining the overall adequacy of the BSA/AML compliance program. The completion of applicable core and, if warranted, expanded examination procedures is necessary to support the My, overall conclusions regarding the adequacy of the BSA/AML compliance program. Examination findings should be discussed with the bank’s management, and definition significant findings must be included in lawrence kohlberg's theory, the report of examination or supervisory correspondence. The BSA/AML compliance program 30 The Board of Governors of the Federal Reserve System (Federal Reserve) requires Edge and agreement corporations and U.S. branches, agencies, and other offices of foreign banks supervised by the Federal Reserve to establish and maintain procedures reasonably designed to ensure and monitor compliance with the BSA and related regulations (refer to Regulation K, 12 CFR 211.5(m)(1) and 12 CFR 211.24(j)(1)). In addition, because the BSA does not apply extraterritorially, foreign offices of domestic banks are expected to have policies, procedures, and processes in place to protect against of impious risks of money laundering and terrorist financing (12 CFR 208.63 and 12 CFR 326.8). must be written, approved by the board of Essay Edna Ferber, American Feminist directors, 31 The Federal Reserve, the of impious, Federal Deposit Insurance Corporation (FDIC), and the Office of the An Effective Educator: My Future in Education, Comptroller of the Currency (OCC), each require the U.S. branches, agencies, and representative offices of the foreign banks they supervise operating in the United States to develop written BSA compliance programs that are approved by their respective bank's board of directors and noted in the minutes, or that are approved by delegatees acting under the express authority of their respective bank's board of directors to of impious, approve the development, BSA compliance programs. Express authority means the head office must be aware of its U.S. AML program requirements and definition there must be some indication of purposeful delegation. For those U.S. branches, agencies, and representative office of command theory example foreign banks that were already in compliance with existing obligations under the BSA (and usual and customary business practices), the BSA compliance program requirement should not impose additional burden.
Refer to 71 Fed. Reg. 13936 (March 20, 2006). Refer to expanded overview section, Foreign Branches and Offices of U.S. Banks, page 164, for definition, further guidance. and noted in the board minutes. A bank must have a BSA/AML compliance program commensurate with its respective BSA/AML risk profile. Refer to on Edna Ferber, Jewish, the core overview section, BSA/AML Risk Assessment, page 18, for additional guidance on developing a BSA/AML risk assessment. Refer to Appendix I (“Risk Assessment Link to the BSA/AML Compliance Program) for a chart depicting the risk assessment’s link to the BSA/AML compliance program. Furthermore, the BSA/AML compliance program must be fully implemented and reasonably designed to meet the definition, BSA requirements.
32 Refer to Appendix R (Enforcement Guidance), for Essay about Dostoyevsky вЂNotes from Critique, additional information. Policy statements alone are not sufficient; practices must coincide with the bank’s written policies, procedures, and definition processes. The BSA/AML compliance program must provide for the following minimum requirements: A system of internal controls to ensure ongoing compliance. Independent testing of BSA/AML compliance. Designate an individual or individuals responsible for managing BSA compliance (BSA compliance officer). Training for appropriate personnel. In addition, a CIP must be included as part of the BSA/AML compliance program. Refer to the core overview section, Customer Identification Program, page 47, for debunked, additional guidance. The board of directors, acting through senior management, is ultimately responsible for ensuring that the bank maintains an effective BSA/AML internal control structure, including suspicious activity monitoring and reporting. The board of directors and definition of impious management should create a culture of compliance to ensure staff adherence to the bank’s BSA/AML policies, procedures, and processes.
Internal controls are the bank’s policies, procedures, and processes designed to limit and control risks and to achieve compliance with the BSA. The level of sophistication of the internal controls should be commensurate with the development, size, structure, risks, and complexity of the bank. Large complex banks are more likely to implement departmental internal controls for BSA/AML compliance. Departmental internal controls typically address risks and compliance requirements unique to a particular line of business or department and are part of a comprehensive BSA/AML compliance program. Internal controls should: Identify banking operations (i.e., products, services, customers, entities, and geographic locations) more vulnerable to abuse by money launderers and definition of impious criminals; provide for periodic updates to the bank’s risk profile; and provide for a BSA/AML compliance program tailored to lawrence kohlberg's development, manage risks. Inform the board of directors, or a committee thereof, and senior management, of compliance initiatives, identified compliance deficiencies, and corrective action taken, and notify directors and senior management of SARs filed. Identify a person or persons responsible for BSA/AML compliance. Provide for program continuity despite changes in management or employee composition or structure. Meet all regulatory recordkeeping and reporting requirements, meet recommendations for BSA/AML compliance, and provide for timely updates in response to changes in definition, regulations.
33 Refer to Appendix P (BSA Record Retention Requirements) for guidance. Implement risk-based CDD policies, procedures, and processes. Identify reportable transactions and accurately file all required reports including SARs, CTRs, and CTR exemptions. Lawrence Kohlberg's Theory! (Banks should consider centralizing the review and definition report-filing functions within the banking organization.) Provide for dual controls and the segregation of duties to An Effective My Essay, the extent possible. For example, employees that complete the reporting forms (such as SARs, CTRs, and definition of impious CTR exemptions) generally should not also be responsible for the decision to file the reports or grant the exemptions. Provide sufficient controls and systems for command, filing CTRs and CTR exemptions.
Provide sufficient controls and monitoring systems for timely detection and reporting of suspicious activity. Provide for adequate supervision of employees that handle currency transactions, complete reports, grant exemptions, monitor for suspicious activity, or engage in any other activity covered by of impious the BSA and its implementing regulations. Incorporate BSA compliance into about Dostoyevsky UndergroundвЂ™ the job descriptions and performance evaluations of bank personnel, as appropriate. Train employees to be aware of their responsibilities under the BSA regulations and internal policy guidelines. The above list is not designed to definition of impious, be all-inclusive and should be tailored to Urban Essay, reflect the bank’s BSA/AML risk profile. Of Impious! Additional policy guidance for specific risk areas is provided in acidified potassium dichromate, the expanded sections of this manual. Independent testing (audit) should be conducted by definition of impious the internal audit department, outside auditors, consultants, or other qualified independent parties.
While the frequency of audit is not specifically defined in any statute, a sound practice is for kohlberg's, the bank to conduct independent testing generally every 12 to 18 months, commensurate with the BSA/AML risk profile of the bank. Banks that do not employ outside auditors or consultants or have internal audit departments may comply with this requirement by using qualified persons who are not involved in the function being tested. The persons conducting the BSA/AML testing should report directly to the board of directors or to a designated board committee comprised primarily or completely of outside directors. Banks that employ outside auditors or consultants should ensure that qualified persons doing the BSA/AML testing are not involved in other BSA functions such as training or developing policies and of impious procedures that may present a conflict or lack of independence. Those persons responsible for conducting an objective independent evaluation of the written BSA/AML compliance program should perform testing for acidified dichromate, specific compliance with the BSA, and of impious evaluate pertinent management information systems (MIS). The audit should be risk based and evaluate the quality of risk management for An Effective, all banking operations, departments, and subsidiaries. Risk-based audit programs will vary depending on the bank’s size, complexity, scope of activities, risk profile, quality of control functions, geographic diversity, and use of technology. An effective risk-based auditing program will cover all of the bank’s activities. The frequency and depth of each activity’s audit will vary according to the activity’s risk assessment. Risk-based auditing enables the board of definition directors and auditors to use the bank’s risk assessment to focus the audit scope on the areas of greatest concern.
The testing should assist the board of directors and management in identifying areas of weakness or areas where there is a need for enhancements or stronger controls. Independent testing should, at a minimum, include: An evaluation of the overall adequacy and effectiveness of the BSA/AML compliance program, including policies, procedures, and processes. Typically, this evaluation will include an explicit statement about the BSA/AML compliance program's overall adequacy and effectiveness and medan debunked compliance with applicable regulatory requirements. At the very least, the audit should contain sufficient information for the reviewer (e.g., an examiner, review auditor, or BSA officer) to reach a conclusion about the overall quality of the BSA/AML compliance program. A review of the bank’s risk assessment for reasonableness given the bank’s risk profile (products, services, customers, entities, and geographic locations). Appropriate risk-based transaction testing to verify the bank’s adherence to definition of impious, the BSA recordkeeping and reporting requirements (e.g., CIP, SARs, CTRs and lawrence kohlberg's development CTR exemptions, and information sharing requests). An evaluation of management’s efforts to resolve violations and deficiencies noted in of impious, previous audits and regulatory examinations, including progress in addressing outstanding supervisory actions, if applicable. Ourang Debunked! A review of staff training for adequacy, accuracy, and completeness. A review of the effectiveness of the definition of impious, suspicious activity monitoring systems (manual, automated, or a combination) used for BSA/AML compliance.
Related reports may include, but are not limited to: Suspicious activity monitoring reports. Large currency aggregation reports. Monetary instrument records. Funds transfer records. An Effective Urban Educator: My Future Essay! Nonsufficient funds (NSF) reports.
Large balance fluctuation reports. Account relationship reports. An assessment of the overall process for of impious, identifying and reporting suspicious activity, including a review of filed or prepared SARs to Essay about from, determine their accuracy, timeliness, completeness, and effectiveness of the bank’s policy. An assessment of the integrity and accuracy of MIS used in the BSA/AML compliance program. MIS includes reports used to identify large currency transactions, aggregate daily currency transactions, funds transfer transactions, monetary instrument sales transactions, and analytical and trend reports. Auditors should document the audit scope, procedures performed, transaction testing completed, and definition findings of the review. Debunked! All audit documentation and workpapers should be available for examiner review. Any violations, policy or procedures exceptions, or other deficiencies noted during the audit should be included in an audit report and reported to the board of directors or a designated committee in definition, a timely manner. The board or designated committee and the audit staff should track audit deficiencies and divine example document corrective actions. The bank’s board of directors must designate a qualified individual to serve as the BSA compliance officer.
34 The bank must designate one or more persons to coordinate and monitor day-to-day compliance. This requirement is detailed in the federal banking agencies' BSA compliance program regulations: 12 CFR 208.63, 12 CFR 211.5(m), and definition 12 CFR 211.24(j) (Federal Reserve); 12 CFR 326.8 (FDIC); 12 CFR 748.2 (NCUA); 12 CFR 21.21 (OCC). The BSA compliance officer is responsible for coordinating and monitoring day-to-day BSA/AML compliance. The BSA compliance officer is also charged with managing all aspects of the BSA/AML compliance program and with managing the bank’s adherence to the BSA and its implementing regulations; however, the board of divine theory directors is ultimately responsible for the bank’s BSA/AML compliance. While the title of the individual responsible for overall BSA/AML compliance is not important, his or her level of definition of impious authority and on Edna Jewish American responsibility within the definition of impious, bank is critical. The BSA compliance officer may delegate BSA/AML duties to other employees, but the officer should be responsible for overall BSA/AML compliance.
The board of directors is responsible for ensuring that the BSA compliance officer has sufficient authority and resources (monetary, physical, and personnel) to administer an command effective BSA/AML compliance program based on the bank’s risk profile. The BSA compliance officer should be fully knowledgeable of the BSA and all related regulations. The BSA compliance officer should also understand the definition, bank’s products, services, customers, entities, and geographic locations, and Essay on Edna Ferber, American the potential money laundering and terrorist financing risks associated with those activities. The appointment of a BSA compliance officer is not sufficient to meet the regulatory requirement if that person does not have the expertise, authority, or time to satisfactorily complete the job. The line of communication should allow the definition, BSA compliance officer to regularly apprise the An Effective Urban My in Education Essay, board of directors and senior management of ongoing compliance with the BSA. Pertinent BSA-related information, including the reporting of SARs filed with FinCEN, should be reported to the board of directors or an appropriate board committee so that these individuals can make informed decisions about overall BSA/AML compliance. The BSA compliance officer is responsible for carrying out the direction of the board and ensuring that employees adhere to the bank’s BSA/AML policies, procedures, and processes. Banks must ensure that appropriate personnel are trained in applicable aspects of the BSA.
Training should include regulatory requirements and the bank’s internal BSA/AML policies, procedures, and of impious processes. At a minimum, the bank’s training program must provide training for all personnel whose duties require knowledge of the BSA. The training should be tailored to the person’s specific responsibilities. Essay ВЂNotes From UndergroundвЂ™ Critique! In addition, an overview of the definition of impious, BSA/AML requirements typically should be given to new staff during employee orientation. Training should encompass information related to applicable business lines, such as trust services, international, and private banking. The BSA compliance officer should receive periodic training that is relevant and appropriate given changes to regulatory requirements as well as the activities and overall BSA/AML risk profile of the ourang debunked, bank.
The board of directors and senior management should be informed of changes and new developments in the BSA, its implementing regulations and definition of impious directives, and the federal banking agencies’ regulations. While the board of directors may not require the same degree of training as banking operations personnel, they need to understand the importance of BSA/AML regulatory requirements, the ramifications of noncompliance, and divine command theory the risks posed to the bank. Without a general understanding of the BSA, the definition, board of divine command theory directors cannot adequately provide BSA/AML oversight; approve BSA/AML policies, procedures, and of impious processes; or provide sufficient BSA/AML resources. Training should be ongoing and incorporate current developments and changes to the BSA and any related regulations. Changes to Essay Edna, internal policies, procedures, processes, and definition of impious monitoring systems should also be covered during training.
The program should reinforce the lawrence theory of moral development, importance that the board and senior management place on the bank’s compliance with the BSA and of impious ensure that all employees understand their role in maintaining an effective BSA/AML compliance program. Divine Command Theory Example! Examples of money laundering activity and suspicious activity monitoring and reporting can and should be tailored to each individual audience. For example, training for tellers should focus on examples involving large currency transactions or other suspicious activities; training for definition of impious, the loan department should provide examples involving money laundering through lending arrangements. Banks should document their training programs. Training and testing materials, the divine command theory example, dates of training sessions, and attendance records should be maintained by definition the bank and be available for examiner review.
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CHAPTER 4. OSSICULAR DISCONTINUITY. As discussed in Chapter 3, the middle ear serves to transmit sound energy from the definition, ear canal to the cochlea. In order to facilitate the efficient transmission of this energy, the eardrum and on American Feminist, ossicles act as an impedance-matching transformer, partially matching the high impedance of the cochlear fluids to the low impedance of air in the ear canal. Any process that reduces the efficiency of this sound-conducting mechanism results in conductive hearing loss . There are many causes of definition conductive hearing loss (Harris and Cueva, 1992); however, only hearing loss caused by discontinuity of the theory example, ossicular chain will be discussed in this work. The next section discusses the two most common types of ossicular discontinuities. Of Impious. Surgical techniques used to ourang debunked, repair the ossicular chain are discussed in Section 4.3. In Section 4.4, some of the mechanical issues related to the success of surgery are discussed. 4.2 COMMON DEFECTS. The most common ossicular defect is loss of the incudal long process; the second most common defect is combined loss of the incudal long process and the stapes superstructure (e.g., Austin, 1971; Sade and Luntz, 1991). These situations are illustrated in definition of impious Figure 4.1.
Austin (1971) has reported that loss of the incudal long process. Figure 4.1 Two types of ossicular discontinuities. a) Missing incudal long process. b) Missing long process and stapes superstructure. For clarity, the divine command, eardrum and definition, other middle-ear structures have not been shown. From Donaldson et al . (1992, p.250). alone represents 59% of all ossicular defects; the combined loss of the incudal long process and the stapes superstructure accounts for another 23%. Erosion and the ultimate loss of these bones is often caused by chronic middle-ear disease such as otitis media (inflammation of the middle ear). Discontinuities of the ossicular chain result in conductive hearing loss since vibrations of the Essay Dostoyevsky, eardrum can no longer be transmitted to the cochlea; moreover, the of impious, eardrum shields the cochlea from direct stimulation by sound.
The extent of hearing loss in humans is measured in Essay Dostoyevsky terms of the air-bone gap . By definition, this is the number of decibels (dB) by which the air-conduction threshold exceeds the of impious, bone-conduction threshold (Katz, 1985; p. 1060). The air-conduction threshold is measured by applying an air-conducted stimulus to the ear canal; it is affected by both the conductive and the sensorineural components of the auditory system. The bone-conduction threshold is measured by applying a mechanical stimulus to the skull; it is affected by ourang, the sensorineural components of the auditory system. It is not possible to tell from the air-conduction threshold alone whether hearing loss is conductive or sensorineural; however, the difference between the two thresholds, the air-bone gap, can be used as an indicator of conductive hearing loss. A large air-bone gap, say above 20 dB, indicates conductive hearing loss (Glasscock and of impious, Shambaugh, 1990). Vartiainen and Nuutinen (1992) measured hearing loss in 277 patients with chronic otitis media. Pure-tone audiograms (graphs of hearing threshold in dB versus frequency) were measured at 0.5, 1 and lawrence theory of moral, 2 kHz. The mean air-bone gap was determined from the audiograms by averaging the air-bone gaps at the three frequencies. They found that loss of the incudal long process resulted in a mean air-bone gap of of impious 32 dB; loss of both the incudal long process and the stapes superstructure resulted in an air-bone gap of 38 dB.
In laboratory animals, hearing sensitivity can be determined by measuring the pressure required to ourang medan debunked, maintain a constant cochlear microphonic (CM) over a range of frequencies. The CM is a stimulus-related electric potential generated by sensory receptors in the cochlea (Durrant and Lovrinic, 1984, pp. 152-156). It can be measured by placing an electrode on the round-window membrane. Presumably, the larger the pressure required to maintain a constant CM, the lower is the definition of impious, hearing sensitivity. Wever et al. (1948) determined the hearing sensitivity up to 10 kHz in Urban Educator: My Future Essay cats before and after interruption of the incudostapedial joint. They found that after such an encroachment, larger sound pressure was required to maintain the same CM as before; in of impious fact, the sound pressure required was 60 dB larger than in the normal ear, indicating a hearing loss of 60 dB relative to the normal ear. 4.3 SURGICAL REPAIR. Methods of repair. The goals of surgery are to eliminate disease, prevent recurrent inflammation, and/or improve auditory function (Smyth, 1988). Only techniques for improving auditory function will be discussed here.
These techniques have been described by a number of authors (e.g., Austin, 1971; Fisch, 1980; Smith and McElveen, 1988; Lambert and McElveen, 1993 ). In the An Effective Educator: Future in Education Essay, case where only the long process of the incus is missing, sound transmission is re-established by fitting a prosthesis between the manubrium and the head of the stapes; often a homograft or autograft incus or malleus head is definition, used to acidified colour, make the prosthesis (Emmett, 1989). (A homograft is a tissue transplanted between genetically nonidentical individuals of the same species. An autograft is a tissue grafted into a new position in the body of the same individual. An autograft malleus head would be obtained by surgically removing it from its attachments to the ligaments and by cutting it from the manubrium.) Essentially, the graft is shaped to form a slim strut, a hole is drilled into the medial end of the strut to accept the head of the stapes, and a groove is carved into the lateral end to articulate with the manubrium. Glue is of impious, sometimes used to secure the debunked, points of contact of the manubrium and stapes with the graft (Fisch, 1980). This surgical reconstruction is called a malleus-stapes assembly (MSA) and is shown in Figure 4.2a. When both the incudal long process and the stapes superstructure are missing, a prosthesis is fitted between the manubrium and definition, the footplate. This reconstruction is called the malleus-footplate assembly (MFA) and is shown in Figure 4.2b. In both the MSA and the MFA, the prosthesis is sometimes made longer than required so it exerts tension on the eardrum and the annular ligament of the footplate. Lawrence Kohlberg's. This tension stabilizes the strut. Many variations of the basic MFA and MSA exist (e.g., Fisch, 1980; Wehrs, 1982; Frootko, 1987; Mills, 1991).
Some of these variations have come about because of differences in the geometry of the ossicles among patients. For example, in some patients the manubrium is directly lateral to the stapes as shown in Figure 4.3a, but in (a)(b) Figure 4.3 Ossicular geometry. a) Manubrium directly lateral to stapes. b) Manubrium lateral and definition of impious, anterior to stapes. c) Horizontal MSA used in situation (b). Parts (a) and (b) are from Frootko (1987, p.249) and part (c) is from Dostoyevsky вЂNotes UndergroundвЂ™ Critique Mills (1991, p.477). others it is located anterior to the stapes as shown in definition Figure 4.3b. In the lawrence of moral development, latter case, placing a strut between the manubrium and the stapes in the manner shown in Figure 4.2a could result in considerable tilting of the stapedial footplate, a situation that is thought to of impious, be undesirable since volume displacements of the cochlear fluids would be reduced (Vlaming and Feenstra, 1986b). To prevent this, the An Effective Educator: Future, prosthesis may be positioned horizontally as shown in Figure 4.3c. Interest in the use of synthetic materials for definition, middle-ear surgery has also resulted in a great deal of variation in prosthetic design since these materials, unlike autograft bone, are available to the surgeon before entering the operating room; thus, much time can be spent on shaping them. Synthetic materials are also more readily available than ossicular bone, and their sterility and bonding properties make them suitable for use as graft material.
A variety of graft materials have emerged in the past few years. Among them, Plastipore, an acidified colour change inert high-density polyethylene sponge, has gained some popularity (Emmett, 1989). Two types of prostheses have been designed using Plastipore: the definition, PORP (partial ossicular replacement prosthesis) and the TORP (total ossicular replacement prosthesis). Both prostheses are shown in Figure 4.4. The PORP is similar to the MSA except that sometimes its platform makes contact with the dichromate colour change, eardrum, while the TORP is definition, similar to lawrence development, the MFA. The porous nature of Plastipore allows tissue ingrowth, making the TORP and of impious, the PORP mechanically stable with age (Makek et al ., 1988). Recently, a modified version of the TORP, called the Fisch II Spandrel, has been developed (Williams and Essay about Dostoyevsky вЂNotes from, Lesser, 1992). Definition Of Impious. It is shown in Figure 4.4c. Figure 4.4 Synthetic ossicular prostheses. a) PORP (Partial Ossicular Replacement Prosthesis). b) TORP (Total Ossicular Replacement Prosthesis). c) Fisch II Spandrel. Parts (a) and (b) are from Frootko (1987, p.257) and part (c) is from command Williams and Lesser (1992, p.263). Other materials used in middle-ear surgery include Bioglass, a chemically active glass (Merwin, 1986); Ceravital, a glass-ceramic material (Mangham and Lindeman, 1990); and hydroxyapatite, the definition, main constituent of the mineral matrix of bone (Grote, 1986; Wehrs, 1989; Goldenberg, 1992).
Bioglass and Ceravital are bioactive, meaning that they are able to form chemical bonds with surrounding tissues. Hydroxyapatite comes in both bioactive and porous forms. Example. These materials have been used to produce a variety of prostheses; however, the definition, basic MFA and MSA designed from ossicular bone remain popular (Emmett, 1989) and will be the debunked, only prostheses to be modelled in this work. The success of surgery in humans is assessed in definition of impious terms of the reduction of conductive hearing loss, which is command example, often measured by the degree of closure of the air-bone gap. Definition Of Impious. However, there does not appear to be any consistent method of quantifying success. For example, Smyth (1987) has classified closure of the mean air-bone gap to within 11 dB as success; on the other hand, Goldenberg (1992) has defined success as closure to Essay American Feminist, within 25 dB for the PORP, using other definitions for other prostheses. Moreover, patients and definition of impious, doctors may not necessarily agree as to what is successful (Smyth, 1987). In any case, some closure of the air-bone gap does result when the MSA and acidified potassium dichromate change, MFA are used. For instance, Vartiainen and Nuutinen (1992) reported closure of the air-bone gap to within 20 dB in 58% of patients when the MSA was used.
The situation was worse for the MFA: only 30% of the cases resulted in closure to within 20 dB. Results obtained by other authors are shown in Table 4.1. The performance of the MFA has been found to be poorer than that of the MSA in definition all cases. Table 4.1 Post-operative hearing results for humans with two middle-ear conditions: 1) Absent incudal long process and 2) absent long process and absent stapes superstructure. Shelton and Sheehy used PORP's and TORP's; MSA's and kohlberg's theory of moral, MFA's made from ossicular bone were used in the other studies. N indicates the number of patients with the particular condition.
The percentage of patients with an air-bone gap of less than 20 dB is also indicated. The effectiveness of prostheses has also been determined in of impious cats. Tonndorf and Pastaci (1986) measured hearing sensitivity over a frequency range of 10 Hz to 15 kHz in anesthetized cats with normal middle ears. They then broke the incudostapedial joint and removed the crura. The ear was then repaired using an MFA, and the post-operative hearing sensitivity was measured.
They reported a 20-dB loss in hearing sensitivity compared to the normal ear; this is an improvement over the 60-dB loss reported by Wever et al . (1948) in cats after interruption of the incudostapedial joint. Benitez et al. (1974) determined audiometric thresholds at 0.5, 1 and 2 kHz in three normal cats. They then disrupted the incudostapedial joint, fixed the ossicular chain using an MSA, and measured audiometric thresholds 31 to 33 months after surgery. They reported average hearing losses of 5, 11 and 26 dB in the three animals post-operatively. Theory Example. Once again this is an improvement over the 60-dB loss reported by Wever et al . after interruption of the ossicular chain. 4.4 MECHANICAL CONSIDERATIONS FOR THE MFA AND MSA. Relatively little work has been done to assess the mechanics of the surgically corrected middle ear or the importance of mechanical variables. Section 4.4.2 discusses the experimental work that has been done in definition of impious this area, and Section 4.4.3 discusses the theoretical work that has been done. 4.4.2 Experimental Work. Several mechanical variables may be considered to be of interest in the application of the MSA and MFA: the My Future in Education, position of the prosthesis, the tension exerted on the surrounding structures, and the types of definition connections formed between the prosthesis and the surrounding tissues. Kohlberg's Theory Of Moral Development. Vlaming and of impious, Feenstra (1986b) studied some of these issues in human cadaver middle ears using a laser Doppler interferometer.
These authors measured the displacements of a few points on the stapedial footplate in the normal middle ear. They then disrupted the ossicular chain so that in some cases the crura were left intact, whereas in other cases the crura were destroyed. They surgically repaired the former discontinuity using an MSA; the latter discontinuity was repaired using a TORP. The displacements of the footplate were then measured after surgery. An Effective My Future. They suggested that hearing sensitivity is related to the volume displacement of cochlear fluids so that post-operative volume displacements should be comparable to pre-operative levels for successful results. For the TORP at low frequencies, Vlaming and of impious, Feenstra found that the volume displacements of the cochlear fluids measured post-operatively were comparable to levels measured in the normal ear. On the other hand, volume displacements were lower than normal when the MSA was used, suggesting that the TORP should give better hearing results than the MSA. However, clinical results (see previous section) suggest that the MSA works better than the MFA. Since the MFA is similar to the TORP if the acidified potassium dichromate colour change, platform of the latter does not contact the eardrum, then, based on clinical results, it would be expected that the definition of impious, MSA also works better than the TORP.
Vlaming and Feenstra did not report whether the TORP contacted the eardrum or not in all of their preparations, but from their discussion it is likely that it contacted the acidified change, drum in some cases; nevertheless, in all cases, they found the TORP to work better than the MSA. The discrepancy between the findings of Vlaming and Feenstra and of impious, those of clinicians may exist for several reasons. First, Vlaming and ourang medan, Feenstra used ears that were disease-free; however, when surgery is performed in living patients, the of impious, middle-ear is usually not free of disease. The extent of Essay Edna Jewish Feminist middle-ear disease necessitating the use of the TORP or the MFA is probably more advanced than that requiring the MSA or PORP. Diseases such as otitis media can affect the mechanical properties of the middle-ear structures (e.g., von Unge et al ., 1992) and of impious, would thus account for differences between the results determined by Vlaming and Feenstra and those by clinicians. Second, it is possible that Eustachian tube function may be impaired in living subjects, thus affecting post-operative hearing results (Tos, 1979; Kumazawa et al ., 1993). Eustachian tube dysfunction results in pressures in the middle-ear cavities that are lower than normal (Tos, 1979); such changes could dampen eardrum vibrations (Vlaming, 1987), cause retraction of the eardrum (Tos, 1979), and result in an increase in the incremental stiffness of the middle-ear structures, all of which affect the mechanics of the middle ear.
Third, clinical studies are influenced by hearing loss due to sensorineural damage. The incidence of such damage is small (Tos et al ., 1984; Urquhart et al ., 1992) but could account for some of the discrepancies found between results obtained from cadavers and those from living subjects. Vlaming and Feenstra also studied how the Essay about Dostoyevsky from UndergroundвЂ™ Critique, position of of impious a prosthesis affects the displacements of the footplate. They found that the position of the MSA along the acidified potassium dichromate colour change, manubrium was important. They suggested that the optimal orientation for the MSA is such that it lies along an imaginary line passing through the definition, head of the stapes and the centre of the footplate. In most cases this means that the MSA should contact the manubrium near the umbo. With respect to the MFA, Vlaming and Feenstra did not report the effects of positioning it along the manubrium. However, the divine command example, position of the MFA on definition the footplate was varied, and on Ferber, American Feminist, it was found not to significantly affect the definition of impious, displacements of the divine command theory, footplate. For both prostheses, they found that tension exerted on surrounding structures was quite important: increased tension resulted in smaller displacements of the footplate. Apparently, tension causes the annular ligament of the footplate to stretch, resulting in an increase in its incremental stiffness.
Other authors have studied the of impious, effects of the mechanical variables just described in of moral human cadaver middle ears by determining the amount of sound transmission that occurs pre-operatively and definition, post-operatively. Andersen et al. (1962) applied sound to the oval window and measured the resulting pressure in the ear canal; presumably, the higher the degree of sound transmission, the better is the hearing sensitivity. In one of their experiments, the potassium, incus was removed and the degree of sound transmission was determined. Of Impious. The degree of potassium dichromate colour change transmission was then measured after placing a prosthesis between the drum and the footplate. They suggested that there is an optimal position for a prosthesis that can result in nearly normal sound transmission, whereas other positions may give poorer results. No detailed information was given as to how it should be placed. Elbrond et al . Definition. (1965) also measured sound transmission in the surgically corrected ear, using the MSA in kohlberg's of moral their experiments. They applied sound to the ear canal and measured pressure variations in of impious the vicinity of the round window caused by vibrations of its membrane.
Like Vlaming and Feenstra, their results also indicate that tension in the MSA is important: increased tension results in lower transmission, especially at low frequencies. Gundersen (1972) studied sound transmission in the reconstructed human middle ear, using a special prosthesis designed to replace the incus. No details were given except that sound transmission was reduced on the average by 4 to 5 dB than in the normal ear. Very few studies have been done in cats. Tonndorf and Pastaci (1986) found that the position of a prosthesis along the lawrence, manubrium is relatively unimportant for of impious, the MFA as long as the connection between the manubrium and the prosthesis is inflexible'. Command Theory. No results were given for a flexible connection. Benitez et al . (1974) attempted to correlate post-operative changes in hearing sensitivity in cats with histopathological findings. Their results indicate that the definition of impious, connections between the prosthesis and surrounding tissues are stabilized by the proliferation of fibres.
Hearing results were found to be the Educator: My in Education Essay, best in one cat in which the connections between the prosthesis and bones were deemed to be excellent'. This cat had a post-operative hearing loss of only 5 dB, compared with 11 dB and 26 dB in the other cats. 4.4.3 Theoretical Work. The only finite-element models of the reconstructed middle-ear are those of Lesser et al. (1991) and Williams and Lesser (1992). Lesser et al . have developed a two-dimensional model of the MSA for the human middle ear using the plane-strain assumption. Results of their model for of impious, various placements of the lawrence kohlberg's of moral development, prosthesis along the manubrium indicate that the stress levels at the prosthesis-stapes interface increase as the definition of impious, prosthesis is moved down the manubrium. The results of their model are questionable as the plane-strain assumption may not be appropriate in this case: the eardrum is a three-dimensional structure which does not possess the type of symmetry required to permit the use of command example this assumption. Williams and Lesser (1992) have developed a three-dimensional model for the Fisch II Spandrel prosthesis in of impious the human middle ear. One objection to their model is that the theory of moral development, footplate has been represented by a single point, implying that it moves in a piston-like manner. It is possible for the footplate to tilt in definition the surgically corrected middle ear depending on the placement of the prosthesis, and tilting of the footplate may affect volume displacements of the cochlear fluids and hence hearing sensitivity (Vlaming and Feenstra, 1986b).
Other techniques have also been used to study the ourang medan, mechanics of the middle ear after surgery. For example, Wada et al. (1990) have used analytical techniques to model the mechanics of an of impious artificial auditory ossicle. Their model assumes a flat, circular eardrum; presumably, this was done to make the analyses manageable. However, the results of Funnell and Laszlo (1978) indicate that the three-dimensional shape of the eardrum is very important to on Jewish, its function. Peake et al . (1992) developed a lumped-parameter model of type IV tympanoplasty, a surgical technique used to shield the of impious, round window from medan acoustic stimulation when the eardrum, malleus and incus are missing; however, this technique is not in any way similar to of impious, the MSA or MFA.