Abrigo

OCTOBER 14, 2022

Fortify your credit risk management framework How to prepare your organization for scrutiny of its credit risk management practices during your next exam or review. . You might also like this whitepaper, "Stress Testing: Managing Capital Levels and Credit Risk." Cultivate talent. Have a playbook.

Risk Management 195

Risk Management Management Policies Lending 195

Abrigo

JANUARY 24, 2025

However, office properties struggled to attract lenders, with their share of CMBS issuance shrinking to under 8% by late 2024, compared to 20% in early 2023. The property type was about 20% of total issuance in 2024 compared to just under 15% in 2023. You might also like this webinar, "Risk rating: The cornerstone of risk management."

Lending 221

Lending Trends Risk Management Management 221

Perficient

OCTOBER 24, 2024

OCC In December 2023, the Office of the Comptroller of the Currency (OCC) classified AI as an emerging risk to the banking industry in an industry report they produced. The supervision risk management principles, outlined in the OCC issuances, provide a solid framework for banks implementing AI to operate safely, soundly, and fairly.

Regulation 221

Regulation Risk Management Compliance Fraud 221

Abrigo

MARCH 31, 2023

NCUA expectations for credit unions post-CECL adoption The NCUA's focus on risk, especially credit risk, has implications for credit unions instituting CECL this quarter. The National Credit Union Administration (NCUA) emphasized interest rate, liquidity, and credit risk as the main areas for concern in its 2023 letter.

Risk Management 195

Risk Management Policies Capital Maine 195

Perficient

AUGUST 16, 2023

On Monday, July 31, 2023, all four branches of Heartland Tri-State Bank were reopened as Dream First Bank branches. To speak to a Perficient consultant about RCSA or any of Perficient’s risk management and regulatory capabilities, click here. billion in deposits), the failure still poses lessons for bank executives.

United States 221

United States Kansas FDIC Risk Management 221

Abrigo

MARCH 21, 2023

If an institution wasn’t fully prepared, however, it can nevertheless meet its goals using tailored asset/liability management (ALM) strategies. Balance sheet management Rising rates and overnight borrowing Federal Reserve Chairman Jerome Powell has increased the Federal Funds Target Rate from 0-0.25% to now 4.50-4.75% billion – a 39.7%

Risk Management 195

Risk Management Management Strategy Lending 195

Gonzobanker

DECEMBER 14, 2023

While Huntington is down like most bank stocks, the pain hasn’t been as severe, and Huntington doubled down on local markets in 2023 by consolidating business units. Importantly, Huntington has continued to focus on digital investments and its strong legacy of product management to remain a progressive regional bank. What a year.

Fintech 193

Fintech Community Regional Technology 193

Abrigo

DECEMBER 20, 2024

Managing the profitability of loans and deposits in a volatile interest rate environment will be a key focus for banks and credit unions, he said. Focusing on the economy, credit risk, and allowances Another rate-related issue that managers of credit portfolio risk management will face is economic uncertainty.

Management 195

Management Risk Management Trends Lending 195

Abrigo

OCTOBER 22, 2024

Federal Trade Commission (FTC) reported consumers lost more than $10 billion to fraud alone in 2023. Our intelligent fraud detection software and risk management tools help fraud professionals in their fight against financial crime. financial institutions manage risk and drive growth in a rapidly changing world.

Security 221

Security Fraud Community National 221

BankUnderground

DECEMBER 4, 2024

Figure 1: Total S&P 500 options trading volume by Time to Expiry (2016 to August 2023) Source: CBOE article: The Evolution of Same Day Options Trading , 3 August 2023. The first zero-day options exchange-traded fund was launched in September 2023, tracking the performance of the Nasdaq100 Index.

Marketing 124

Marketing Risk Management Retail Capital 124

Abrigo

DECEMBER 22, 2023

The most-read lending & credit blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023.

Lending 221

Lending Risk Management Community Management 221

South State Correspondent

JANUARY 4, 2023

A potential economic slowdown, slower rate rises, an inverted yield curve, and deposit stress likely make 2023 a trying year compared to 2022. In the past, you have seen us rank customer relevance and total experience as a top priority for banks – not in 2023. Financial pressure will be greater, and bank margins will be higher.

Community Bank 195

Community Bank Capital Marketing Lending 195

Abrigo

DECEMBER 26, 2024

"With so many BSA/AML enforcement actions, it is clear that the regulatory environment is tightening up its expectations and is actively pursuing action when needed," said Abrigo Senior Risk Management Consultant Elissa Brewer. AI will be an ongoing hot topic, said Abrigo Senior Risk Management Consultant Kevin Gulledge.

Fraud 195

Fraud Compliance South Dakota Resources 195

Abrigo

FEBRUARY 28, 2025

Fraud risk management best practices Financial institutions (FIs) should be sure to invest in the following: Hardware: FIs should ensure that their systems are safe and that all updates and patches are applied in a timely manner. 880,418 c omplaints were registered, with potential losses exceeding $12.5

Fraud 221

Fraud social media Training Community 221

South State Correspondent

OCTOBER 26, 2023

Identity management, ID proofing, preventing account takeovers, limiting card-not-present risk, the rise of social engineering on remote workers, and more cyber-crime-as-a-service offerings had most of the buzz. The post Recap of Money 20/20 USA 2023 and 10 Banking Thoughts appeared first on SouthState Correspondent Division.

Conference 221

Conference Las Vegas Fraud Data 221

Abrigo

APRIL 8, 2025

For the $10B$50B crowd, 2D model use dropped from 60% to 50% in 2023. And it tells me somethings changing in how banks think about risk frameworks. Lets figure out what makes sensefor our institutions, our borrowers, and the future of credit risk management. Thats a significant shift. Email kent.kirby@abrigo.com.

Dallas 195

Dallas Survey Data Trends 195

Banking Exchange

JANUARY 16, 2023

Chief risk officers say they are seeing cybersecurity risks everywhere, new survey shows Risk Management Feature3 Feature Cyberfraud/ID Theft Compliance/Regulatory Operational Risk Security

Risk Management 139

Risk Management Survey Compliance Security 139

Abrigo

DECEMBER 22, 2023

The most-read portfolio risk blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. You might also like this webinar, "Unraveling risk rating: Making sense of your best early warning tool."

Risk Management 221

Risk Management Regulation Management Lending 221

Perficient

JULY 12, 2023

Perficient provides risk management to more than 500 financial services organizations, many of whom have multiple bank regulators. Until June 6 of this year, each of the federal bank regulators had provided the different organizations of that same firm with slightly different versions of their risk guidance. It’s the guidance.

Management 221

Management Risk Management Regulation Compliance 221

Perficient

FEBRUARY 27, 2023

These days, as the US prepares to embrace real-time payments in 2023, the intersection of real-time payments and automation has become a key point of discussion. Workflow timings may now be altered due to the immediacy of transactions, which can have a domino effect on operational, risk management, and reporting teams.

North Carolina 275

North Carolina Charlotte Payments US 275

Abrigo

MARCH 18, 2025

billion, up 10% from 2023. Office of the Comptroller of the Currency (OCC) & Federal Deposit Insurance Corporation (FDIC) Supervise banks and credit unions for compliance and risk management related to payment systems. The growing risk of payment fraud With faster payments comes greater fraud risk.

System 195

System Payments Fraud Regulation 195

Independent Banker

DECEMBER 31, 2022

While the pace of bank regulatory changes has diminished from a few years ago, several issues will either become effective or likely develop in 2023. 1, and applicable to the first quarterly assessment period of 2023 with an invoice payment date of June 30, 2023. Finalization is expected as early as 2023. Quick Stat.

Compliance 100

Compliance FDIC Community Bank Community 100

Abrigo

JULY 20, 2024

Pruis Examining federal Call Report data from 2016 to Q1 2024 for banks with assets of $70 billion or less, Cornerstone found that only one in 10 institutions that started in 2016 with less than 18% of its portfolio in C&I was able to increase that percentage by 2023. 2010-2023: 137.3% 2004-2008: 82.6% trillion, Pruis said.

Lending 195

Lending Risk Management Management Capital 195

BankInovation

MARCH 27, 2023

As business reconsiders their budgets this year, many are already taking extra cuts in 2023. We’ve already seen some layoffs at major banking and financial institutions, and if a recession happens, as firms such as BlackRock and JP Morgan have predicted, this will likely continue.

Risk Management 52

Risk Management Management Marketing Security 52

Abrigo

AUGUST 30, 2024

Wake of 2023 bank failures Federal Housing Finance Agency review prompts reform The Federal Home Loan Bank (FHLB) system faces potential changes in its structure, operations, and mission that could affect financial institutions. Takeaway 2 Reform moves are stemming from actions of the FHFA against the San Francisco and New York FHLBs.

San Francisco 195

San Francisco Risk Management New York Capital 195

Perficient

NOVEMBER 17, 2023

In our previous article, “ Transaction Accounts: Analyzing Deposit Stickiness in the Current Interest Rate Environment ,” Perficient’s Financial Services Risk Management and Regulatory Capabilities Center of Excellence (CoE) explored the sharp decline in transaction account balances over an 18-month period.

Retail 221

Retail FDIC Risk Management Management 221

South State Correspondent

JUNE 18, 2024

How Interest Rate Risk Challenges Increased Interest rate risk challenges came to the forfron when the Federal Reserve embarked on an interest rate hiking cycle, taking the fed funds rate from just under 10 bps in March of 2022 to 5.33% in July of 2023. Until 2023, deposits would simply flow to community banks.

Community Bank 195

Community Bank Community Risk Management Management 195

Abrigo

AUGUST 7, 2023

Applying model risk management to CECL What's involved in CECL model validation? Learn what banks, credit unions, and others subject to CECL accounting can expect from this risk management process. Model validation is a crucial aspect of model risk management.

Risk Management 195

Risk Management Handbook Analysis Management 195

Abrigo

JULY 28, 2021

Takeaway 3 With just a year and a half left before the 2023 effective date, FIs on the incurred loss model must remain diligent and committed to their implementation timeline. Preparing for 2023. With just a year and a half left before the 2023 effective date , time is ticking. Portfolio Risk & CECL. Looking Ahead.

Risk Management 195

Risk Management Operations Trends Data 195

Perficient

JANUARY 16, 2024

This blog, the first in a series by Perficient’s Risk and Regulatory Center of Excellence (CoE), provides actionable measures your company can adopt to safeguard against senior-level embezzlement risks and maintain the integrity of your institution’s financial transactions.

Compliance 221

Compliance Guidelines Policies Risk Management 221

Perficient

NOVEMBER 10, 2023

This being the first blog post in a series of blogs by Perficient’s Financial Services Risk Management and Regulatory Capabilities Center of Excellence (CoE), we will be investigating the deposit structures of non-client banks over time. In the first quarter of 2023, these balances plunged over 40% due to reported U.S.

Risk Management 221

Risk Management United States FDIC Compliance 221

Abrigo

DECEMBER 10, 2024

The statement provided examples of risk management and other practices that may be effective in combatting this often-underreported crime. The FBI's 2023 Internet Crime Complaint Center (IC3) report highlighted a staggering $3.4 Abrigos new fraud detection software for banks and credit unions finds more fraud faster.

Fraud 195

Fraud Training Software social media 195

Abrigo

OCTOBER 28, 2022

Managing loan workouts and modifications Tips for preparing your bank or credit union to handle an increased volume of problem loans while ensuring prudent credit risk management. You might also like this video, "A look at credit risk in a rising-rate environment." CRE loan accommodations.

Management 195

Management Risk Management Policies Lending 195

Abrigo

MARCH 12, 2021

Board updates are vital for CECL 2023 adopters. CECL updates for directors are critical for financial institutions transitioning to the current expected credit loss (CECL) standard in 2023. We’ve heard a lot of feedback from the 2023 filers that there’s added emphasis from boards on parallel testing,” Camp said. WATCH WEBINAR.

Resources 195

Resources Management Capital Meeting 195

Perficient

FEBRUARY 15, 2024

The announcement of significant amendments to the DFS500 regulations on December 1, 2023, represents a pivotal moment for entities operating within New York’s financial sector.

Compliance 221

Compliance New York Regulation Analysis 221