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.

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Abrigo

FEBRUARY 6, 2024

In this blog post, we will delve into the strategies and policies credit unions can adopt to ensure the success and profitability of their MBL programs. A measured approach allows management to incrementally assemble the resources and expertise to implement a comprehensive program without subjecting the credit union to unnecessary risks.

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Lending How To Risk Management Policies 222

Gonzobanker

NOVEMBER 22, 2022

Well, Gonzobankers, the smart, idealist and self-declared revolutionary crypto kids just bought themselves a future of regulation — intricate, overbearing, and frustrating regulation, and regulation that the market will now demand. Welcome to adulthood, y’all. Wonderful” O’ Leary, and of course Tom and Gisele. What’s Next?

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Regulation blockchain Marketing Strategy 173

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. But with a sound and robust ALM model , navigating the uncertainty can become manageable, and the path to the banking Promised Land can be paved.

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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. .

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Management Meeting Risk Management Operations 195

Abrigo

DECEMBER 23, 2022

Blog posts to help your asset/liability management (ALM) staff strategize for the future These ALM posts were the most popular in 2022. Our top ten blogs were created by Abrigo's team, which includes former bankers, regulators, and industry experts. Would you like other articles like this in your inbox?

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Resources Risk Management Study Strategy 195

Abrigo

JANUARY 24, 2024

The rapidly increasing interest rates in 2023 led to publicly traded banks with more than $20 billion in assets having tangible common equity ratios (adjusted for fair value adjustments on held-to-maturity instruments such as loans) of less than 3% as of September 30, 2023, according to S&P Capital IQ. Should we panic?

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FDIC Regulation Strategy Data 195

Abrigo

AUGUST 5, 2020

Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Improving loan grading in a recession. Asset/Liability.

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Abrigo

JANUARY 19, 2015

The Recession and its subsequent rate of bank failures underscore the need for banks of all sizes to invest in developing a capital plan. The Recession taught many institutions that whatever processes had been in place for managing capital were not sufficient. The result was insufficient capital. Forward-looking review 4.

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Capital Analysis Policies Examples 150

Abrigo

JANUARY 28, 2016

The following is an excerpt from the Sageworks whitepaper "Optimizing Capital: Challenges and Opportunities for Financial Institutions". At the same time, top executives and managers at banks and credit unions know that customers cannot be served well if the financial institution is struggling to survive. They may include: 1.

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Abrigo

JUNE 11, 2021

Would you like other articles on asset/liability management in your inbox? Takeaway 1 Regulators stress sound risk management practices that include the ability to identify and measure interest rate risk (IRR). FDIC) noted in its 2021 Risk Review.

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How To Risk Management Analysis Kansas City 195

Abrigo

JULY 25, 2017

In a recent Sageworks webinar Robert Ashbaugh, senior risk management consultant at Sageworks, discusses High Volatility Commercial Real Estate (HVCRE) lending best practices. Ashbaugh’s presentation begins with a quick summary of why regulators care about HVCRE. How did we get here? What are HVCRE loans?

Risk Management 150

Risk Management Management Capital Lending 150

Accenture

MARCH 23, 2017

Development was evident everywhere—product, but also management teams. I wanted to follow on from my previous blog around the emergence of RegTech (technologies that address the challenge and cost of regulatory compliance.) It’s relevant not just in banking, but capital markets, wealth management and insurance.

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Accenture

MARCH 23, 2017

Development was evident everywhere—product, but also management teams. I wanted to follow on from my previous blog around the emergence of RegTech (technologies that address the challenge and cost of regulatory compliance.) It’s relevant not just in banking, but capital markets, wealth management and insurance.

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Regulation Industry Trends Compliance 150

Abrigo

JUNE 14, 2021

Management commitment As with any compliance program, one of the most important aspects of a strong SCP is a “culture of compliance,” from the top, to the middle, to the front line. As seldom seen from the regulatory authorities, the Guidelines generally defines management as senior leadership, executives, or the board of directors.

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Abrigo

NOVEMBER 8, 2019

Stress Testing | 7 minute read Key Takeaways Stress testing is an important component of sound risk management. Top down and bottom up analysis can inform capital assessments. Some financial institutions may view stress testing as a “check the box” practice to satisfy regulators, but others are making the most out of the process.

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Lending Risk Management Analysis Capital 150

PYMNTS

DECEMBER 4, 2019

Also, federal banking regulators reportedly support using alternative methods to determine creditworthiness to help high-risk individuals get loans. Google CEO Sundar Pichai will take over as Alphabet’s new CEO, as well as retain his job at Google, per a blog post by founders Sergey Brin and Larry Page.

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Abrigo

MARCH 6, 2016

But there are pessimists in the crowd who see a worse environment for M&A, and they largely point to deal pricing, capital constraints and a lack of sellers as drivers. Nearly half (47 percent) cited capital constraints, and 41 percent said banks don’t want to sell.

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Abrigo

DECEMBER 13, 2019

They are particularly appropriate when the FDIC has communicated with management regarding supervisory concerns and has determined that management and the board of directors are committed to and capable of addressing these concerns with some direction. Inadequate capital. BSA Rules and Regulation. CECL Regulation.

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Abrigo

DECEMBER 14, 2023

In a banking landscape that is constantly changing with new regulations, increasing competition, and other new challenges, it is critical to maximize your strategic plan's effectiveness. Learn how to tap your data to generate management insights. Every stakeholder should be on board. Explore Abrigo Connect. How will you get there?

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Abrigo

AUGUST 2, 2017

Based on Sageworks’ surveys, financial institutions expect the largest impact under CECL will be related to capital and changes in reserve levels. Capital was selected as the answer by 39 percent of respondents. Regulators plan to monitor changes to institutions’ regulatory capital as the new credit loss methodology is adopted.

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Abrigo

OCTOBER 6, 2017

During a Sageworks webinar on HVCRE risk management Rob Ashbaugh, senior risk management consultant at Sageworks, explained that clarifications on some of the murkier aspects of the HVCRE (high volatility commercial real estate) rule were anticipated by the industry.

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Abrigo

APRIL 12, 2016

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. The regulator’s April edition of Supervisory Insights provides what the FDIC called a “refresher” on its Pocket Guide for Directors, the 1988 booklet outlining the basic duties and responsibilities of a bank’s board of directors.

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Chris Skinner

JANUARY 30, 2017

Things we’re reading today include … Former HBOS manager found guilty of corruption and fraud Former top City regulator joins Standard Chartered JPMorgan in push to mine customer data Bank of England pumps £5bn into firms and £20bn into banks to keep interest rates down UniCredit capital warning spooks investors MasterCard wins ruling (..)

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Fraud Capital Regulation Data 150

Chris Skinner

JANUARY 26, 2017

Things we’re reading today include … Alibaba’s Ant Financial buys MoneyGram for $880m €2.5bn cost of Mifid II rattles asset managers Dutch regulator mistakenly reveals Soros short positions TSB plans ‘year of liberation’ as it finally breaks free of rival and former owner Lloyds Lucky money Co-op Bank warns it will miss capital target (..)

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Capital Regulation Management 150

Abrigo

SEPTEMBER 7, 2023

Having dashboards or banking management reports that show the lending pipeline, pricing trends, emerging risks, workflow bottlenecks, and other factors affecting loan growth can help a bank or credit union stay on top of and adapt quickly to trends. The institution can more easily capitalize on opportunities and avoid unnecessary risk.

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Abrigo

JANUARY 10, 2020

If the primary goal of your asset/liability management (ALM) process is centered on meeting interest rate risk reporting requirements, then it’s likely that your institution views ALM as a cost center. Find value beyond regulation. Consider leveraging valuable resources to help. A key reason for the lack of conviction? learn more.

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Strategy Resources Management Capital 195

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. Watch NOW Takeaway 1 Portfolio risk and accounting professionals often keep up to date on industry trends by reading Abrigo's blog.

Risk Management 222

Risk Management Regulation Management Lending 222

Abrigo

MARCH 6, 2015

Yesterday the Federal Reserve announced how “the big banks” fared on their annual stress tests (The Wall Street Journal’s Briefly blog offers what to know and what is relevant about the exams). During examination time, regulators are increasingly looking at a bank’s stress testing processes and resulting capital plans.

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Risk Management Capital Community Bank Regulation 150

Abrigo

MAY 2, 2022

Confident Risk Management Begins with Sound Loan Policy A risk-based approach to loan policy can effectively improve your institution's profitability. Takeaway 2 Designing, implementing, and managing your loan policy is a strategic team effort and should take risk into account. Starting Points. When and how to update your policy.

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Policies Lending Regulation Examples 195

Abrigo

AUGUST 8, 2021

Independent Loan Review Systems in Banking Banking regulators have outlined expectations for effective, independent loan review and credit risk review. . This article is substantially updated from a 2013 blog post. Would you like other articles on loan review in your inbox?

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Abrigo

NOVEMBER 17, 2023

Additionally, the human capital investment—in terms of both hiring fraud prevention experts and training existing staff—represents a significant operational expense. The second pillar concerns the cost of technical and human resources dedicated to fraud prevention, detection, and remediation. Find out how BAM+ stops fraud scams.

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Fraud Training Trends Compliance 195

CFPB Monitor

AUGUST 20, 2020

federal and state financial institution regulators have taken meaningful, proactive steps to acknowledge financial inequality issues, reach out to traditionally underserved populations to expand access to credit, and further protect consumers from discrimination. This blog post contains a summary of those efforts.

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Regulation FDIC Community Lending 78

Abrigo

APRIL 21, 2020

Key Takeaways Financial institutions have 10 calendar days to disburse PPP loans To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. PPP loans carry a 0% risk weighting, meaning they don’t count against the institution from a risk-based capital standpoint.

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Lending Capital Minnesota FDIC 195

Abrigo

SEPTEMBER 26, 2014

Within the financial industry, the word “regulation” often receives a mixed reaction. What’s been mostly out of the mainstream news cycle, though, is the effects of regulation following the financial crisis on the community banks– specifically, credit unions. ” Blog Credit Union'

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Capital National Regulation Risk Management 192

Abrigo

OCTOBER 3, 2014

Thomas focused on three key issues directly affecting the present and future of the accounting industry – increased regulations, a shifting workforce, and changing continuing education – as well as some thoughts on the opportunities these challenges offer. Blog Accountant' Image source: Rubiks.com.

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PYMNTS

DECEMBER 23, 2018

In addition, he will work with investors, clients and regulators on the company’s Security Token Offering, advisory services business and its partnership with BOX Digital Markets to launch the first SEC-regulated exchange for trading security tokens. And the U.S.

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Bitcoin Compliance Regulation Security 164