first_imgThe end of the year is usually a time seniors scramble to make decisions on post-graduation opportunities, but Saint Mary’s senior and accounting major Meghan Flanagan finally knows what awaits her.Flanagan was awarded a Fulbright U.S. Student Program scholarship to Germany and an acceptance into the U.S. Teaching Assistant Program of the Austrian Ministry of Education and Women’s Affairs. After comparing the two opportunities, she confirmed her acceptance to the Austrian Program over the weekend.“I chose the one in Austria because the location is better [and] there’s less of a risk,” Flanagan said. “For the program in Germany, I wouldn’t have known where I was living until after I committed. People that I have talked to said to go with the Austria program because the one in Germany could either be in a university city or in the middle of nowhere, and I wouldn’t know that until I was already in.“The dates work out a lot better too because I have to take the CPA exam this summer,” Flanagan said. “My orientation for the Germany program would have begun September 12th. … It just seemed like everything was pointing to Austria as the better option.”Flanagan said many students are chosen as alternates for the program and do not find out if they can teach until late summer. She said she believes her eight years of learning German benefited her in gaining acceptance into not one, but two language related programs.“I was pretty proud of myself when I found out,” Flanagan said. “It’s really rewarding because I feel like the past four years I’ve been working really hard and now it’s finally starting to pay off. It was really nice to have the option between the two countries. I’m really thankful that I heard right away, and that I was accepted as a candidate for both rather than an alternate.”During her time at Saint Mary’s, Flanagan studied abroad in Innsbruck, Austria. She said this time she is excited to return as a teacher rather than a student.“It’s not so much about teaching English, but it’s more so a really good way to spend time abroad long term,” Flanagan said. “I’m not just traveling and I’m not just seeing a big city for a few days but I’m actually living there, and I’ll be immersed into the culture. It’s kind of like a post grad study abroad, but I’m not the one studying.“It’s more about pushing myself out of my comfort zone.”Tags: Austria, foreign language, fulbright program, germany, post-graduation, saint mary’slast_img read more


first_imgIn my last blog, I described how the Right to Financial Privacy Act (RFPA) prohibits a credit union from providing a member’s account information to a federal law enforcement agent if there is no written document – such as a warrant, subpoena, or formal written request – instructing the credit union to hand it over. However, like any good financial regulation, the RFPA contains a number of exceptions and caveats. A credit union may want to become acquainted with those exceptions before refusing to hand over information or telling a federal agent to “come back with a warrant.”The SAR ExceptionOne important exception is how the RFPA interacts with the requirements for Suspicious Activity Reports (SARs). Section 748.1 of the NCUA regulations and FinCEN guidance require credit unions to provide SAR-related information and documents without a written request or legal process. Section 748.1(c)(3), which discusses record retention for SARs, states that “[a] credit union must make all supporting documentation available to appropriate law enforcement authoritiesand its regulatory supervisory authority upon request” (emphasis added).FinCEN guidance states: ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more


first_imgSweden’s Henrik Stenson is the new Open golf champion – after a record breaking Sunday at Royal Troon.He shot a final round 63 to finish on a best-ever 20-under-par in the sport’s oldest “major” – three ahead of Phil Mickelson, who managed an impressive 65.Northern Ireland’s Rory McIlroy and England’s Tyrrell Hatton were tied in fifth place – 16 strokes behind Stenson.last_img