Capital, Management and Operations - Community Banking Brief

Working Capital Analytics

Perficient

DECEMBER 16, 2020

Being aware of Working Capital balances and taking proactive action has never been more important to businesses of all sizes. Our Working Capital Analytics application provides high-level metrics relating to working capital and deeper dives into current assets and liabilities’ primary components.

Analytics

Analytics Capital Trends Analysis

Deep Dive: How Businesses Solve Capital Management Conundrums

PYMNTS

NOVEMBER 10, 2020

Businesses of all sizes struggle with capital management, regardless of whether they employ staff or seek out third parties to handle their cash flows, accounts payable (AP) and accounts receivable (AR) processes and other related tasks. Factors Affecting Working Capital Needs. Automating Capital Management.

Capital

Capital Management System Examples

How Safe Are You? 5 Lessons from The Safest Banks

South State Correspondent

JANUARY 16, 2025

Lesson 1: Generate Operating Leverage to Produce Capital If there is a single lesson in banking that decides success in all areas of performance, it is this sell more profitable products to more profitable customers to the point where your bank generates a consistent risk-adjusted return above its cost of capital.

Capital

Capital Management Groups Operations

Capital Assessment, Capital Planning Are Critical as Coronavirus Creates Chaos

Abrigo

JULY 30, 2020

Key Takeaways Stress tests and capital planning are vital to financial institutions in volatile times like these, when the coronavirus and pressures on the energy sector result in a financial crisis. Current environment = Challenging stressed capital planning. This has resulted in theoretical assumptions for capital planning.

Capital

Capital Analysis Resources Management

Successful Change Management with Enterprise Risk Management

Speaker: William Hord, Vice President of ERM Services

A well-defined change management process is critical to minimizing the impact that change has on your organization. Leveraging the data that your ERM program already contains is an effective way to help create and manage the overall change management process within your organization. Organize ERM strategy, operations, and data.

Risk Management

Go Where No Operations Department Has Gone Before – Instant Settlement

Perficient

MARCH 30, 2023

The front office is screaming down to the Settlement Office, “Operations, we need more capital!” Any operations team that has dealt with a stock loan trading desk can contest the inherent friction between providing more available securities to the desk and reliance on settlement cycles and market constraints.

Operations

Operations blockchain Capital Security

JPMC: Why Working-Capital Trade Finance Is On The Rise

PYMNTS

AUGUST 4, 2020

“Coming out of the 2008 financial crisis, corporates recognized that in order to preserve their own operations, they needed to maintain liquidity through their supply chain and into their supply base,” he said. It was among the motivations behind its alliance created with working capital management platform Taulia.

Capital

Capital Strategy Analytics Innovation

Investment accounting compliance: How technology helps

Abrigo

FEBRUARY 6, 2025

Meeting investment accounting and reporting requirements The right technology tools can help institutions manage investment accounting compliance and risk exposure across various investment types. Compliance with investment accounting and reporting requirements plays a central role in ensuring operational efficiency and regulatory adherence.

Compliance

Compliance Technology Operations Risk Management

Ensuring Banking Compliance Through Project Management Expertise

Perficient

APRIL 8, 2024

Addressing these deficiencies required a comprehensive approach, leading to the establishment of critical programs like the US Bank Holding Company (BHC) regulatory and comprehensive capital analysis and review (CCAR) program. Supporting the change management team in building a robust governance structure for program PMO activities.

Compliance

Compliance Management Guidelines Risk Management

The Second Key Commitment of Revenue Resilience – Creating a Pluralistic Clinical Operating Model

Perficient

JULY 16, 2020

Expand access to all clinical specialties virtually, deploying a clinical operating model that seamlessly provides both virtual and physical care as needed/demanded. The New Challenge: Creating A Pluralistic Clinical Operating Model. The Essential Dimensions of the Pluralistic Clinical Operating Model.

Operations

Operations System United States Video

U.S. Regulations to Consider When Managing a Cryptocurrency Fund

Perficient

MAY 27, 2022

However, in this blog, we will discuss the regulatory landscape surrounding cryptocurrency from an asset manager or fund manager perspective. New York’s BitLicense requirement therefore applies to investment managers who issue digital coins or otherwise act as an exchange platform regardless of where the buyers are located.

cryptocurrency

cryptocurrency Regulation Management Bitcoin

The resilience of small businesses: Insights for lenders

Abrigo

NOVEMBER 13, 2024

Businesses' working capital cycles are longer. Despite borrowing more and tapping credit lines, they're managing leverage and meeting debt obligations, according to Abrigo's proprietary data. They’re borrowing more, but they’re also managing their leverage and meeting debt obligations —even as they feel the pressure of high rates.

Lending

Lending Meeting Data Risk Management

Data Is the Foundation…for Everything in Insurance (Part 4 of 5)

Perficient

AUGUST 23, 2021

Internally, data creates the foundation for increased analytic application of fraud detection, at-risk customer behavior, and improved cross-functional process management. Customers have demonstrated a willingness to share data in return for mutual benefit, but firms must manage data carefully to avoid turning this asset into a liability.

Data

Data Analytics Trends Fraud

You Need to Understand These Reasons for Bank Consolidation

South State Correspondent

MARCH 3, 2025

Understanding the drivers of banking consolidation is imperative when managing bank performance. These two acts took the governors off around how banks managed deposits. These acts created a competitive vortex marking a paradigm shift around the concept of bank management. In 1985, there were 14,417 FDIC banking charters.

FDIC

FDIC Trends Management ATM

Oiling The Many Moving Parts Of Cash Flow Management

PYMNTS

DECEMBER 14, 2020

Managing financial data across a vast array of platforms, including accounts payable, accounts receivable, accounting and ERP systems, creates a challenging environment in which to understand cash positions and forecast cash inflows and outflows. Many Moving Parts.

Management

Management Strategy Data Tools

The role of core deposit intangibles in banking

Abrigo

JANUARY 17, 2025

These reliable customers provide a stable, low-cost funding source that is critical for financial institutions operations. As a result, lower CDI values may lessen the financial burden for acquirers, improving their capital efficiency. Optimize ALM operations and tailor them to your unique bank or credit union.

Strategy

Strategy Guidelines Management Operations

WEX Gets $400M From Warburg Pincus To Boost Operations

PYMNTS

JUNE 29, 2020

WEX has reported a $400 million investment from a partner of Warburg Pincus , which the financial services tech firm will use to continue operations amid the global pandemic, according to a press release. And James Neary , managing director of Warburg Pincus, will continue to serve on WEX’s board of directors.

Operations

Operations US Capital Company

Should Your Bank Adopt a Loan Hedging Program?

South State Correspondent

MARCH 10, 2025

At SouthState Bank, we utilize a loan-level hedging program called “ARC,” which is available to all community banks and, in our opinion is easier to manage and understand than a B2B program, but the point of this article is for banks to manage the risk through some loan hedging program instead of taking the risk without compensation.

Community Bank

Community Bank Community Operations Report

Why You Need Bank Product Management

South State Correspondent

JUNE 20, 2024

Banks don’t have enough product managers. A manager may oversee the operation of a product, but few banks have product managers who drive product development and performance. This article further explores what it means to be a bank product manager. What is Bank Product Management?

Management

Management Training Strategy Compliance

Drop Delivery Starts Raising Capital For Cannabis B2B Payments System

PYMNTS

JULY 19, 2020

Users will be able to sell products, collect digital payments, handle supply chain management, and help with last-mile delivery. Equifund CFP CEO and Founder Jordan Gillissie said the capital raising is being done to help the industry come into the new digital age.

System

System Capital Payments Industry

3 Risks Asset/Liability Management (ALM) Addresses

Abrigo

JUNE 7, 2021

Risks ALM Addresses Will Affect Performance and Strategy Asset/liability management models and processes address credit risk, liquidity risk, and interest rate risk. . Takeaway 1 The pandemic has shown that financial institutions deal with a variety of risks that can impact cash flow and capital. . recovery to date. foreign exchange.

Management

Management Risk Management Capital Regulation

Perficient to Present at Fintech Generations 2021

Perficient

MAY 26, 2021

Fintech Generations is produced by Queen City Fintech (QCFintech), a premier global fintech accelerator program, and is part of the RevTech Labs operating companies. RevTech Labs alumni have raised over $2 billion in venture capital and have had more than $230 million in company exits. Beth Johnson, Chief Experience Officer, Citizens.

Fintech

Fintech North Carolina Charlotte Conference

Federal Banking Regulators Seek Comments for Additional Capital for Large Banks

Perficient

OCTOBER 27, 2022

Current Capital Requirements. GSIBs maintain enough loss-absorbing capacity to fully recapitalize material subsidiaries quickly for continuous operation. The current long-term debt calibration for U.S. of total leverage exposure. of total leverage exposure. This calibration is intended to ensure U.S. of total leverage exposure.

Capital

Capital Regulation FDIC Regional

Model Risk Management: Regulatory Priorities and Best Practices

Abrigo

MAY 20, 2022

Meet Model Risk Management Expectations Updates to the FDIC Risk Management Manual should steer institutions toward a model that manages risk and drives growth. Takeaway 1 Aside from meeting examiner expectations, proper model risk management can protect your institution from unnecessary risk. . FDIC Update.

Risk Management

Risk Management Management FDIC Meeting

ALM 101: Introduction to Asset/Liability Management – Part 1: ALM Goals & Approaches

Abrigo

JANUARY 11, 2022

Asset/liability management basics In part 1 of this "Introduction to ALM" blog series, learn the goals of asset/liability management and how it can help financial institutions. Takeaway 1 ALM in banking means managing the cash flows of assets and liabilities to increase profitability, manage risk, and maintain safety and soundness. .

Management

Management Meeting Capital Strategy

4 Boosted Business Outcomes for Utilities Fueled by Oracle Cloud

Perficient

MAY 28, 2020

Oracle Utilities has long been a leader in industry applications for operations at power generation companies. Using Oracle Data & Analytics to Manage Business Decisions . Utilities, historically, have made heavy capital investments with little to no competition, slowing rapid evolution difficult.

Analytics

Analytics Customer Experience Risk Management Mobile

Investors Back B2B Startups With An Eye On SMB Finance

PYMNTS

JUNE 26, 2020

Small business lending emerged as a common theme in this week’s B2B venture capital roundup, and it’s no surprise, considering the role small and medium-sized businesses (SMBs) play in supporting their local economies. Current investors from A91 Partners, MAJ Inevst, LGT Lightstone and Falcon Edge Capital also participated.

Capital

Capital Lending Cards United States

Cannabis lending for financial institutions: Opportunities, risks, and best practices

Abrigo

FEBRUARY 6, 2025

Cannabis-related businesses (CRBs)spanning everything from cultivation to retailrepresent a market in need of lending services, from working capital to real estate and equipment loans. With this regulatory risk and associated operational complexities, there is plenty for financial institutions to consider before diving into cannabis lending.

Lending

Lending Compliance Community Software

6 Keys to Success in your Adult Life

Perficient

DECEMBER 21, 2020

The 6 Keys to Success as an Adult are: Effectively Manage your Time. Effectively Manage your Money. ” Effectively Manage your Time. This is why you need to effectively manage your time. Effectively Manage your Money. The ideal management of money is at the heart of capitalism.

Management

Management Exercises Meeting Guidelines

Use This 5S Framework for Solving Strategic Challenges in Banking – Part I

South State Correspondent

MARCH 4, 2025

Generating profitable loans, increasing fee income, lowering deposit costs, or reducing operating costs might all be better alternatives to growing loan originations. Will capital, for instance, become more expensive or cheaper? products (treasury management, commercial loans, etc.), or geography.

Examples

Examples Capital Data Case Study

Red Hat OpenShift on IBM Power Systems Virtual Server

Perficient

FEBRUARY 24, 2021

Stand up a SaaS offering on Power by capitalizing on your existing physical infrastructure. Co-locate your IBM i and AIX applications with new cloud-native services on OpenShift on Power Virtual Server for simplified management and optimal performance. Pay-as-you-go billing. Working with OpenShift on Power Systems Virtual Server.

System

System Software Resources Management

Preparing your financial institution to manage loan workouts, loan modifications

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. Takeaway 2 Meanwhile, banks and credit unions will likely see a beefed-up regulatory emphasis on credit risk management practices, especially tied to CRE. .

Management

Management Risk Management Policies Lending

ALM 101: Introduction to Asset/Liability Management-Part 4: Liquidity Risk

Abrigo

APRIL 15, 2022

ALM & Measuring Liquidity Risk at Banks and Credit Unions Regulatory agencies expect financial institutions to manage liquidity risk using processes and systems commensurate with the complexity, risk profile, and scope of operations. ALM 101: Introduction to Asset/Liability Management. This is the fourth post in a series.

Management

Management Meeting Risk Management Operations

Small business loan processing: Automate back-office tasks

Abrigo

FEBRUARY 25, 2025

Back-end processes for small business loan approval in some financial institutions operate in an automation desertand it shows. But these businessesoften the backbone of their communitiesdepend on access to capital. Improved risk management Standardized risk assessments minimize subjectivity and enhance compliance.

Lending

Lending FDIC Policies Analysis

5 Banking Trends We’re Forecasting for 2023

Perficient

JANUARY 25, 2023

Banks are focused on efficiency initiatives to optimize their operations and lower costs. While institutions want to increase their technology play, they are weary of overcomplicating operations. Another example is Eno , Capital One’s virtual assistant. Here are five banking trends we’re forecasting for the new year.

Banking Trends

Banking Trends Trends United States FDIC

Best practices for credit risk management in uncertain times

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." keep me informed. Know your limits. Have a playbook.

Risk Management

Risk Management Management Policies Lending

Amidst a Global Crisis, Cloud Technology Trends for 2021 Emerge

Perficient

DECEMBER 14, 2020

Crisis response, maintaining safe and operational working conditions, mitigating supply chain disruptions, maintaining liquidity, and deftly responding to shifts in the market have emerged as key focus areas for all businesses. If your organization is looking to capitalize on cloud technology in 2021, here are a few trends to keep in mind.

Technology

Technology Trends Software Resources

Here is The Math Behind the High-Yield Account

South State Correspondent

JULY 24, 2024

Not everyone needs rewards points, instant payments, or weekend service, but everyone needs cheap capital and more income. They put $40,000, which is the national average for this type of account, on deposit to save for an emergency capital expense, such as if they must replace a forklift or cargo van.

South Carolina

South Carolina Marketing Capital Idaho

Digitally Native Mattress Firm Resident Raises $130 Million

PYMNTS

JANUARY 7, 2021

Digitally native mattress and home goods brand platform Resident landed a $130 million investment headed up by Nexus Capital Management and Ion Crossover Partners with participation from Baron Capital Group in Q4 of 2020, according to a Thursday (Jan. 7) announcement.

Capital

Capital Strategy Branding Operations

The Secrets of Expert Deposit Pricing Management

South State Correspondent

FEBRUARY 22, 2023

Non-Expert Deposit Pricing Management – How To Destroy Bank Franchise Value The best way to quickly destroy value is to peg a deposit product to an index such as SOFR, Prime, Fed Funds, or Treasuries. However, this doesn’t tell the whole story when it comes to deposit management.

Management

Management Marketing Branding Strategy

Effective model risk management and model validation in banking

Abrigo

AUGUST 1, 2022

Best practices for assessing models and managing risk Sound model development, implementation, use, and validation is especially important as CECL models debut. . What are model risk management and model validation? SR 11-7, issued by the Federal Reserve and OCC in 2011, is the supervisory guidance on model risk management.

Risk Management

Risk Management Management Regulation Analysis

How To Use Gen AI for Strategic Planning in Banking – Part I

South State Correspondent

JANUARY 22, 2025

The AI consultant can access your call report history and ingest bank documents, including past strategic plans, vision statements, department goals, and anything else the management team deems necessary. Gen AI excels at distilling options down to recommendations, which is helpful to management teams that are having a hard time deciding.

How To

How To Data Training Tools

Managing Stagflation Credit Risk in Banking – Part III

South State Correspondent

JULY 5, 2022

In a stagflation environment, as interest rates rise and cash flow (earnings before interest, taxes, depreciation, and amortization (EBITDA), or net operating income (NOI)) decreases, the borrower’s capacity to service debt as measured by the debt service coverage ratio (DSCR) decreases rapidly.

Management

Management Capital US Community Bank

Subscription Business Models Lead B2B VC Funding

PYMNTS

SEPTEMBER 18, 2020

Venture capital appears to be picking back up in the B2B technology startup community. This week saw an impressive $324 million in combined funding for a range of B2B FinTechs and other solution providers, including alternative lenders looking to support small businesses as they manage working capital instability. eFileCabinet.

San Jose

San Jose Capital Utah Operations

Working Capital Analytics

Deep Dive: How Businesses Solve Capital Management Conundrums

Trending Sources

How Safe Are You? 5 Lessons from The Safest Banks

Capital Assessment, Capital Planning Are Critical as Coronavirus Creates Chaos

Successful Change Management with Enterprise Risk Management

Go Where No Operations Department Has Gone Before – Instant Settlement

JPMC: Why Working-Capital Trade Finance Is On The Rise

Investment accounting compliance: How technology helps

Ensuring Banking Compliance Through Project Management Expertise

The Second Key Commitment of Revenue Resilience – Creating a Pluralistic Clinical Operating Model

U.S. Regulations to Consider When Managing a Cryptocurrency Fund

The resilience of small businesses: Insights for lenders

Data Is the Foundation…for Everything in Insurance (Part 4 of 5)

You Need to Understand These Reasons for Bank Consolidation

Oiling The Many Moving Parts Of Cash Flow Management

The role of core deposit intangibles in banking

WEX Gets $400M From Warburg Pincus To Boost Operations

Should Your Bank Adopt a Loan Hedging Program?

Why You Need Bank Product Management

Drop Delivery Starts Raising Capital For Cannabis B2B Payments System

3 Risks Asset/Liability Management (ALM) Addresses

Perficient to Present at Fintech Generations 2021

Federal Banking Regulators Seek Comments for Additional Capital for Large Banks

Model Risk Management: Regulatory Priorities and Best Practices

ALM 101: Introduction to Asset/Liability Management – Part 1: ALM Goals & Approaches

4 Boosted Business Outcomes for Utilities Fueled by Oracle Cloud

Investors Back B2B Startups With An Eye On SMB Finance

Cannabis lending for financial institutions: Opportunities, risks, and best practices

6 Keys to Success in your Adult Life

Use This 5S Framework for Solving Strategic Challenges in Banking – Part I

Red Hat OpenShift on IBM Power Systems Virtual Server

Preparing your financial institution to manage loan workouts, loan modifications

ALM 101: Introduction to Asset/Liability Management-Part 4: Liquidity Risk

Small business loan processing: Automate back-office tasks

5 Banking Trends We’re Forecasting for 2023

Best practices for credit risk management in uncertain times

Amidst a Global Crisis, Cloud Technology Trends for 2021 Emerge

Here is The Math Behind the High-Yield Account

Digitally Native Mattress Firm Resident Raises $130 Million

The Secrets of Expert Deposit Pricing Management

Effective model risk management and model validation in banking

How To Use Gen AI for Strategic Planning in Banking – Part I

Managing Stagflation Credit Risk in Banking – Part III

Subscription Business Models Lead B2B VC Funding

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