Abrigo

NOVEMBER 11, 2019

ALM | 4 minute read Key Takeaways Many financial institutions view asset/liability management as a "check-the-box" regulatory exercise. An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance.

Management 150

Management FDIC Community Risk Management 150

Abrigo

FEBRUARY 8, 2024

Effective fraud risk management includes detection and fraud monitoring that should consider customer or member history and behavior. Some options include: In-person fraud prevention seminars, either held at a branch location or a local community center. What should a financial institution’s fraud education program include?

Fraud 195

Fraud Resources social media Software 195

Abrigo

SEPTEMBER 5, 2023

Non-recourse loans While the bank historically has not experienced excessive levels of charge-offs due to loans not having one or more guarantors, there is considerable evidence to show that the options available to resolve a problem situation, as well as the costs incurred to exercise such options, are adversely affected by the lack of guarantees.

Policies 195

Policies Lending Risk Management Examples 195

South State Correspondent

APRIL 3, 2023

Utilizing this straightforward linear regression and decay analysis, you get something close to the profile below for the average community bank in the U.S.: Failing to understand and account for these options can lead to ineffective modeling and risk management. This reduces the duration of these non-maturity deposits.

social media 195

social media Community Bank Analysis Training 195

South State Correspondent

JANUARY 30, 2024

It can be a major driver of value, and banks must look at IT spending from a defensive view to include basic infrastructure building, cybersecurity, and risk management AND a revenue-building exercise driving new product development, the customer experience, and operational leverage.

Capital 195

Capital Operations Customer Experience Comparison 195

ABA Community Banking

APRIL 18, 2016

SNL Report: Last year's Fed stress test included $110 oil—showing limits of exercise Management Risk Management CSuite Credit Risk.

Exercises 40

Exercises Risk Management Management Report 40

ABA Community Banking

SEPTEMBER 8, 2015

First “live” DFAST exercise yields mixed results for banks and regulators Management Duties Risk Management Operational Risk.

Exercises 40

Exercises Risk Management Regulation Operations 40

South State Correspondent

MARCH 15, 2023

While we wrote about the root cause of the failure of Silicon Valley Bank (SVB) HERE , the lessons of the current banking crisis go beyond interest rate risk management. While interest rate risk caused the most significant impact on value, several other factors contributed to the terminality of each bank that was closed.

social media 195

social media FDIC Branding Management 195

Abrigo

OCTOBER 9, 2019

Regulatory communities and auditors want to see that CECL and stress testing remain as consistent as possible across the organization. Additionally, it is important to remember that CECL is an accounting exercise while stress testing is a regulatory or institution risk management process.

Data 150

Data Exercises Software Tools 150

Independent Banker

FEBRUARY 24, 2016

“I know that unnecessary regulation saps the strength of community banks.” Curry offers a brief update about a few current regulatory issues on his mind, including his agency’s concerns about signs of growing credit risk throughout the banking industry. Curry, U.S. Comptroller of the currency. An interview with U.S.

Community Bank 70

Community Bank Community Regulation Compliance 70

Gonzobanker

JUNE 26, 2020

Testing key aspects of the plan annually with desktop exercises or more formal scenario planning prepares staff and the institution for most if not all disruptions. Present documented testing results to executive management. Formally test the plan annually, include all key personnel, and vary the test scenarios.

Survey 158

Survey Exercises Guidelines Operations 158

Gonzobanker

MAY 8, 2020

So far, bankers have taken comfort in the soundbite that “this crisis is different” because of the strong capital levels and risk management rigor that has developed since the Great Recession. As the large banks announce freezing lending in some sectors, community and mid-size banks should bring more data and common sense to the table.

Lending 97

Lending Analytics Analysis Capital 97

Lex Sokolin

DECEMBER 31, 2020

and try to answer with the word “community”. Much of this is an exercise in grim arithmetic. Virtual communities and digital worlds are the difference between Finance Incumbents, Fintech, and DeFi. The multiverse is interesting because of its communities. They all (i.e., Why is the DeFi P2P theme different, we ask?—?and

Fintech 52

Fintech Bitcoin blockchain Google 52

Lex Sokolin

DECEMBER 31, 2020

and try to answer with the word “community”. Much of this is an exercise in grim arithmetic. Virtual communities and digital worlds are the difference between Finance Incumbents, Fintech, and DeFi. The multiverse is interesting because of its communities. They all (i.e., Why is the DeFi P2P theme different, we ask?—?and

Fintech 52

Fintech Bitcoin blockchain Google 52

FICO

MARCH 25, 2020

Following the global COVID-19 outbreak, the collections & recoveries (C&R) community across Europe has jumped into action to safeguard customers, employees and wider stakeholders. Which actions have been taken and what are the longer-term ramifications for the sector? Customer Forbearance.

Operations 40

Operations Exercises Security Data 40

PYMNTS

DECEMBER 16, 2019

Instead of going to the gym, they’re climbing on their Peloton bikes or exercising in front of their Magic Mirrors with trainers and others who are part of those digital fitness communities. 2020 Trendline Three: From The eWallet To The Everyday App Ecosystem. 2020 Trendline #6: The Global Game-Changer Of Voice.

Payments 180

Payments Innovation Cards Google 180

PYMNTS

JANUARY 1, 2020

Instead of going to the gym, they’re climbing on their Peloton bikes or exercising in front of their Magic Mirrors with trainers and others who are part of those digital fitness communities. 2020 Trendline Three: From The eWallet To The Everyday App Ecosystem. 2020 Trendline #6: The Global Game-Changer Of Voice.

Innovation 174

Innovation Cards Google Payments 174

South State Correspondent

JULY 29, 2024

Regardless of who wins, our national debt will continue to increase, and community banks should be prepared for its consequences. Risk management (credit, interest rate, and liquidity) will become more important for community banks as the amplitude of shocks increases. projected by CBO.

Community Bank 195

Community Bank Community US Taxes 195