South State Correspondent

JANUARY 10, 2024

The market expects the current inverted yield curve to remain through much of 2024 (based on long-term interest rates and the expected rate cuts in 2024). This article will discuss how national, regional, and community banks may use loan hedging programs in 2024 to face earnings challenges.

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Abrigo

NOVEMBER 13, 2024

Thousands of banks, credit unions, and accounting firms use our risk management and lending solutions, contributing to this cooperative data model for banking intelligence. Early 2024 figures show a dip in DSCR to 4.62x. Nearly all U.S. However, leverage continues to improve.

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Lending Meeting Data Risk Management 221

Abrigo

JUNE 28, 2024

Navigating interest rate management in today's environment As regulators focus on interest rate risk management, read about what financial institutions can do to be ready for a rate drop. You might also like this on-demand webinar, "Navigating uncertain times: Strategies for effective risk management and compliance."

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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.

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Abrigo

APRIL 8, 2025

Here are the results of the most recent survey: For banks under $10B in assets, only 5% used a 2D model in 2024 (down from 15% historically). Even at institutions over $50Bwhere 2D adoption was nearly universalit fell to 50% in 2024. And it tells me somethings changing in how banks think about risk frameworks.

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Dallas Survey Data Trends 195

Abrigo

FEBRUARY 28, 2025

trillion globally in 2024. According to a 2024 Abrigo Fraud Survey , 61% of Americans still write checks, and incidents of fraud and the resulting losses remain high.The FBI estimates that 500 million fraudulent checks annually total $18 billion in annual losses. Staying on top of fraud is a full-time job.

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Abrigo

JANUARY 24, 2024

FDIC list The state of acquisitions in a rising rate environment According to the FDIC, there were 44 banks on the problem bank list in the third quarter of 2023, and the agency expects that number to continue to climb in 2024. Watch this webinar, "Understanding audit and regulatory expectations for CECL."

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Perficient

DECEMBER 1, 2023

Immediately following the Silicon Valley Bank (SVB) failure, Perficient’s Financial Services Risk Management and Regulatory Capabilities Center of Excellence (CoE) swiftly analyzed publicly available documents, providing readers with a comprehensive breakdown of the bank’s failure.

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Jeff For Banks

MARCH 3, 2025

consumers now consider digital banking capabilities essential (Latinia, 2024)while operational pressures require us to do more with less. McKinsey predicts AI could unlock $340 billion in banking value through automation (McKinsey, 2024). WiFiTalents projects AI could boost engagement by 300% (WiFiTalents, 2024).

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Abrigo

DECEMBER 28, 2023

Top banking risk management papers and infographics Abrigo experts' insights on deposit pricing, stress testing, loan review, and CECL were popular with banking risk professionals. You might also like this webinar, "Unraveling risk rating: Making sense of your best early warning tool." Here are the top resources.

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Resources Risk Management eBook Strategy 221

Abrigo

DECEMBER 10, 2024

The increasing threat of elder fraud On December 4, 2024, FinCEN, along with the supervisory agencies, issued a s tatement on e lder f inancial e xploitatio n, or elder fraud. The statement provided examples of risk management and other practices that may be effective in combatting this often-underreported crime.

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Abrigo

MARCH 18, 2025

Zelle said in 2024 it processed 3.6 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.

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System Payments Fraud Regulation 195

Perficient

FEBRUARY 12, 2025

These changes require significant adjustments in risk management, compliance frameworks, and operational protocols. Companies that fail to integrate seamless payment experiences risk losing customers to competitors offering faster, frictionless transactions.

Trends 221

Trends Payments Compliance blockchain 221

Perficient

FEBRUARY 15, 2024

The NYSDFS Part 500 amendments signal a crucial shift in the financial services regulatory landscape and underscore the importance of robust governance, risk management, and compliance frameworks.

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New York Compliance Regulation Analysis 221

Jeff For Banks

JULY 1, 2024

Financial Markets Update – Second Quarter 2024 A dream vacation! That and getting consumed by Euro 2024 and Copa America soccer and of course, the Phillies. In July 2024, we will mark two years of inversion between the 10-year Treasury and the 2-year Treasury yields. for 2024 and 2.0% It was so beautiful and lots of fun.

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Marketing Conference Policies Survey 119

Perficient

FEBRUARY 15, 2024

These DFS500 amendments signal a crucial shift in the regulatory landscape, emphasizing the imperative for robust governance, risk management, and compliance frameworks across the financial industry.

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Compliance New York Regulation Analysis 221

Jeff For Banks

OCTOBER 2, 2024

Financial Markets Update – Third Quarter 2024 I had a fantastic September traveling to France and Luxembourg with my sisters. Between December, 2022 and March, 2024, M2 declined on a y-o-y basis, which was the first time that has happened since 1931 to 1933. trillion for fiscal 2024 compared to -$1.7 6 Money Stock report.

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BankUnderground

DECEMBER 4, 2024

Potential deficiencies in the current margining system, and the inability of risk management infrastructure to keep pace with new market developments. Additionally, risk management infrastructures are generally designed around the daily margining process, raising concerns about insufficient intraday risk management.

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Marketing Risk Management Retail Capital 124

Abrigo

OCTOBER 10, 2023

How industry analysis can improve your credit risk management Understanding your customers' businesses leads to better loan pricing, structure, and risk management. You might also like this webinar series, "Tackling common credit risk questions during challenging times." Get more credit risk best practices.

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Analysis Industry Risk Management Lending 195

Abrigo

JANUARY 22, 2024

Takeaway 2 Examiners' focus is on risk management related to products and services , especially those involving complex technologies like AI. billion in losses globally last year, according to Nasdaq’s  2024 Global Financial Crime Report. For A proactive approach to risk management involves continuous monitoring and adjustment.

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South State Correspondent

JANUARY 30, 2024

In this article, we partner with Gartner to look at 2024 key IT metrics and provide strategic insight into how much your bank should be spending on IT. For perspective, 2023 and what we expect for 2024 can be characterized as keeping up with revenue. of total expenses; in 2024, this number is expected to be 11.2%.

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Perficient

JUNE 25, 2024

Hsu, addressed the 2024 Conference on Artificial Intelligence (AI) and Financial Stability, providing critical regulatory insights on AI. Hsu discussed the systemic risk implications of AI in banking and finance using a “tool or weapon” approach. On June 6, Acting Comptroller of the Currency, Michael J.

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South State Correspondent

MAY 7, 2024

On April 26, 2024, Republic First Bank (DBA Republic Bank) was seized by state regulators and the long running bank drama came to an end. This first bank failure in 2024 is reported to cost the Deposit Insurance Fund $667mm. With the assistance of the FDIC, Fulton Financial acquired certain assets, debt and deposits of Republic Bank.

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Risk Management Security Management Groups 195

Abrigo

OCTOBER 21, 2024

Developing a strategy for each problem loan should be based on factors such as negotiating positions, collateral status, and the relationship. How is your loan review function performing?

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Strategy Management Taxes Meeting 195

Abrigo

SEPTEMBER 17, 2024

Manage the impact of interest rate cuts at your institution These five tips from Abrigo expert Dave Koch will help banks and credit unions prepare for a rate drop. You might also like this on-demand webinar, "Navigating uncertain times: Strategies for effective risk management and compliance."

Strategy 221

Strategy Risk Management Lending Management 221

American Banker

SEPTEMBER 24, 2024

trillion-asset megabank and is making progress on streamlining management layers and making investments in risk management. The Citi CEO has been focused on revamping the $2.4

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Risk Management Management 78

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. However, most don’t measurably increase C&I from year to year.

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Lending Risk Management Management Capital 195

Perficient

JANUARY 3, 2024

Without action, this temporary relief would have expired on June 30, 2024, and would have significantly impacted the industry due to an estimated 75% increase in residential non-branch locations between December 2019 and December 2022. What’s New? Reduction in inspection frequency from annually to every three years. Contact us today!

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Compliance Risk Management Regulation Industry 221

Abrigo

FEBRUARY 16, 2024

Foster a collaborative environment where both parties can share insights and make informed decisions together, leading to more efficient scheduling and risk management. Collaborate effectively: Credit is a holistic process that requires collaboration between analysts and lenders.

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Training Risk Management Analysis Policies 195

Abrigo

OCTOBER 17, 2023

More recently, the OCC identified change management as one of its supervision priorities for the year ahead. As the industry continues to evolve, change management remains a cornerstone, enabling financial institutions to innovate, adapt, and deliver exceptional value to their stakeholders.

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Management Lending Risk Management Strategy 195

South State Correspondent

JUNE 18, 2024

Many banks that believed they had a conservative and properly matched mix of funding and assets in 2020 and 2021, were negatively surprised in 2023 and 2024 when deposits migrated from demand deposit accounts to interest-bearing accounts, placing pressure on cost of funding and NIM. This hardly makes sense.

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Community Bank Community Risk Management Management 195

Jeff For Banks

MARCH 21, 2024

2024 could exceed -$2.0 DLJ 03/15/24 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis. It is mismanagement of the worst kind as budget deficits explode; the fiscal year 2023 deficit was -$1.7

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Marketing Policies Report Atlanta 111

Perficient

NOVEMBER 21, 2024

The compliance deadline, however, depends on the firm’s total receipts from calendar years 2023 and 2024. The ruling demands action from all non-depository firms (e.g., This effort carries out the personal financial data rights established by the Consumer Financial Protection Act of 2010 (CFPA).

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BankInovation

JANUARY 18, 2024

Discover Financial Services invested in its integrated digital banking model, risk management, analytics and compliance initiatives in 2023 and expects to continue those efforts this year.

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Digital Banking Analytics Risk Management Compliance 72

Abrigo

FEBRUARY 6, 2024

According to fraud strategists , check fraud is projected to soar to $24 billion in 2024. Controlling fraud risks should be an important part of it. At the same time, check fraud is increasing dramatically. which lost $135 million to check fraud in 2023 through Sept ember 30.

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Perficient

APRIL 18, 2024

Without open banking, consumers struggle to switch between bank deposit and lending offerings.

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Cards Data Regulation Apple 221

Gonzobanker

JUNE 6, 2024

The hacker group ShinyHunters allegedly breached Ticketmaster’s data in late May 2024, including credit and debit card information for over 560 million consumers worldwide. Account takeover fraud accounts for 12% of losses according to Alloy’s 2024 State of Fraud Benchmark Report. That’s more than 2.5 So, what will happen to U.S.

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