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. You might also like this webinar, "ALM Basics: Best Practices in Measuring, Monitoring, and Controlling Interest Rate Risk" WATCH. The ALM Basics.

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South State Correspondent

FEBRUARY 8, 2023

The current yield curve presents various challenges for community bankers for revenue generation and risk management. In this article, we will outline the significance of the yield curve shape and what it may portend for community banks. Three main theories explain the shape of the yield curve.

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Community Bank Community Risk Management Strategy 195

South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.

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How To Community Bank Community FDIC 195

Abrigo

MAY 5, 2022

Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S.

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Community Lending Maine Resources 195

Celent Banking

JANUARY 22, 2015

Peer to Peer (P2P) lending is one of those situations and banks have started to experiment with it, taking P2P lending to main street. I believe it will have them as main actors, therefor competing directly with the fintech-startups, such as the P2P lending companies. In the heart of this issue is who owns the risk?

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Maine Lending Regulation Risk Management 100

Abrigo

MARCH 23, 2015

It is only natural for community banks to have loan concentrations that result from the market(s) they serve and the markets they pursue. In today’s times, a high commercial real estate (CRE) concentration is often the result of community banks pursuing opportunity in the market. Blog Bank Credit Union'

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Community Bank Risk Management Community Analysis 150

ABA Community Banking

JUNE 8, 2015

Part 2: Cyber risks that small firms face and how to understand their scope Risk Management CSuite Cyberfraud/ID Theft Community Banking.

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Maine Risk Management Community Bank Data 40

Abrigo

FEBRUARY 12, 2020

Despite the painful evolution in retail, many experts expect another year of growth for commercial real estate – and for commercial real estate lenders, including community financial institutions. Community financial institution lenders, however, will want to “pick their spots” for CRE loans this year. Watching for CRE red flags. “CRE

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Lending Trends FDIC Survey 195

ABA Community Banking

JUNE 5, 2015

Hacks beyond the headlines kill businesses Risk Management CSuite Cyberfraud/ID Theft Community Banking.

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Maine Risk Management Community Bank Data 40

South State Correspondent

JANUARY 4, 2023

Popular projects for 2023 include online loan and deposit onboarding utilizing third-party data to speed the process, compliance-as-a-service, payments, card controls, service case management, leveraging data for customer insights, and providing open banking APIs to customers. Sectors like office, retail, and hospitality, are even worse.

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Community Bank Capital Training Lending 195

ABA Community Banking

DECEMBER 30, 2014

National bank examiners to focus on tech, cyber security controls Risk Management Operational Risk. 1Risk Management'

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Operations Maine Cyber Security Risk Management 53

PYMNTS

MAY 2, 2016

In his position as Vice President of Global Risk Management for TNS , Umer Ayub understands this reality firsthand. At TNS, this includes managing compliance with regulatory requirements, such as PCI standards, card scheme rules and SSAE16 reports.

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Risk Management Compliance Management Meeting 100

Abrigo

JULY 25, 2022

Two of the main expenses for farmers and ranchers – fertilizer and fuel – have had the highest inflation this year, and rising interest rates are also likely to hit their net income, said Rob Newberry, Senior Advisor on Abrigo’s Advisory Services team and a faculty member of the Graduate School of Banking at the University of Wisconsin-Madison.

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Lending Kansas City Kansas Resources 195

FICO

NOVEMBER 25, 2020

Petr Kapoun is chief risk officer at Home Credit Russia, part of the Home Credit Group, which operates in nine markets worldwide. He has more than 15 years of experience in credit risk management, mainly within the Retail and Small business areas. In his previous position, he led retail risk management at ?eska

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Video Risk Management Analytics Retail 52

Abrigo

SEPTEMBER 26, 2014

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. He cites that since the implementation of Dodd-Frank, “more than 800 Main Street credit unions have shut their doors.”

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Capital National Regulation Risk Management 191

Insights on Business

NOVEMBER 29, 2018

Operational innovation is vital in a highly competitive financial services sector, with a new community of digital banks and other firms vying for market share. These include driving growth, reducing costs and managing financial risks in a volatile business environment. Process: Institute Effective Change Management.

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Operations Innovation Management Risk Management 138

PYMNTS

MARCH 6, 2019

EncoreFX and Motor City Community Credit Union (MCCCU) of Ontario are also fueling up their fraud fights related to cross-border payments. The two partnered to enable MCCCU member access to EncoreFX’s FinTech platform and risk management strategy solutions.

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Fraud Security Resources Florida 134

CFPB Monitor

SEPTEMBER 21, 2015

The CFPB announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, and Credit Union Advisory Council. New members to the Consumer Advisory Board will serve three-year terms and new members to the Community Bank and Credit Union Advisory Councils will serve two-year terms. Kathleen C.

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Groups Los Angeles San Francisco Community Bank 60

FICO

FEBRUARY 21, 2023

The two main differences this year vs. 2022 are that the housing market has slowed down dramatically (sales are down 35.4% These figures represent a national sample of approximately 130 million accounts that comprise FICO® Advisors’ Risk Benchmarking solution. according to the Federal Reserve forecasts.

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Trends Industry US Cards 52

Jeff For Banks

MARCH 29, 2013

Many community bankers would roll their eyes at such banks. Prudent risk management suggests we should have diversification in our loan portfolio and funding sources. Prudent risk management suggests we should have diversification in our loan portfolio and funding sources. EnerBank is owned by a utility company.

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Utah Strategy North Carolina Risk Management 89

Jeff For Banks

JUNE 2, 2023

To you, manage your interest rate risk. Before becoming desperate and trading interest rate risk for credit risk. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate? Most of the more than 500 financial institutions that failed were community banks.

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FDIC Community Bank Regulation Lending 78

Abrigo

AUGUST 1, 2016

Eight in 10 business owners report that a major, regional or community bank is their main financing partner for capital. And perhaps unsurprisingly given their youth, they are more likely to say they are willing to take financial risks in order to grow (67 percent) than are older small business owners (54 percent).

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Millennials Survey Risk Management Groups 150

Independent Banker

FEBRUARY 24, 2016

Welcome to the Crescent City, where the largest educational gathering of community bankers convenes this month. It’s Community Banking LIVE 2016 in New Orleans. Independent Community Bankers of America. Former Major League Baseball player and manager, chief baseball officer for the Arizona Diamondbacks. JohnStossel.

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Community Bank Community Innovation Customer Experience 70

CFPB Monitor

DECEMBER 30, 2020

show that there may remain significant disparities in valuations for properties in minority neighborhoods, despite substantial efforts by the appraisal community to improve appraisal and valuation methodologies.” The FHFA states “[s]tudies.

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Policies Tools Training Data 78

Independent Banker

DECEMBER 13, 2015

Half a dozen years ago, the community bank held $13 million in auto loans. Tax-exempt credit union competition is the main culprit for the bank’s decline in auto lending, Thompson says. What types of auto loans does your community bank offer? Todd Thompson. We’ll wait until sanity returns” to get back into auto loans, he says.

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Community Bank Lending Community Security 70

Independent Banker

NOVEMBER 24, 2015

Half a dozen years ago, the community bank held $13 million in auto loans. Tax-exempt credit union competition is the main culprit for the bank’s decline in auto lending, Thompson says. What types of auto loans does your community bank offer? Todd Thompson. We’ll wait until sanity returns” to get back into auto loans, he says.

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Community Bank Lending Community Security 70

FICO

AUGUST 3, 2022

One customer told how they had been able to deploy user defined variables in FICO Falcon Fraud Manager to track and understand payment velocities. The Role of Data in Managing Fraud and Financial Crime Today was a session I had the pleasure to chair. I Got Around – and Checked out the FICO World Innovation Center.

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Fraud Analytics Trends Innovation 52

Jeff For Banks

DECEMBER 8, 2022

More analysts are pointing at energy policy as one of the main contributors to inflation, when government stopped drilling expansion of oil and natural gas and distribution networks such as the Keystone Pipeline to pursue a “green” agenda full of batteries, solar power, and wind.

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Marketing Policies Philadelphia Community Bank 78

Bussman Advisory

SEPTEMBER 11, 2017

We see two main areas of concern. Corporate banks need to innovate to lower risks and costs across the whole organization. In a world of trillions of nanosecond micropayments and smart contracts, we think banks will increasingly be seen as trusted providers and fraud risk managers, for instance. Out in the cold.

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Industry Innovation Fintech Leadership 64

Jeff For Banks

FEBRUARY 25, 2017

This past week I attended the American Bankers' Association National Conference for Community Bankers (NCCB). Bankers may hate the analogy, but Blockbuster was not willing to gut their main revenue source to build out and promote streaming. The NCCB was no different. Does the term "disintermediation" in banking sound familiar?

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social media Conference Maine US 79

Lex Sokolin

DECEMBER 31, 2020

and try to answer with the word “community”. The main thing that hasn’t yet panned out is assimilation of real world assets, except for China, where there is plenty of assimilation. Virtual communities and digital worlds are the difference between Finance Incumbents, Fintech, and DeFi. They all (i.e., Runner up?—?a

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Fintech Bitcoin blockchain Google 52

Lex Sokolin

DECEMBER 31, 2020

and try to answer with the word “community”. The main thing that hasn’t yet panned out is assimilation of real world assets, except for China, where there is plenty of assimilation. Virtual communities and digital worlds are the difference between Finance Incumbents, Fintech, and DeFi. They all (i.e., Runner up?—?a

Fintech 52

Fintech Bitcoin blockchain Google 52

South State Correspondent

JANUARY 30, 2024

Benchmarking can help banks better optimize capital as it gives bank management a sense of what the average is for the industry. As such, IT employees are expected to make up a larger percentage of total employees this year because of staff cuts and the increase of more information security, AI, and data management personnel.

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Capital Operations Customer Experience Comparison 195

Lex Sokolin

DECEMBER 25, 2019

If you withdraw your Ether, you get charged an interest rate determined by an open governance community. a wealth management service from Set Protocol. The main idea is that by taking some part of your money and putting it up as a “stake”, you get a native interest rate and some amount of control over governance (i.e.,

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blockchain Bitcoin Software Lending 52

Lex Sokolin

JULY 1, 2019

Every other person had a physics PhD and worked in risk management for large capital markets trading desks. Ethereum has the best developer community still, and there are things you can actually do with digital assets on this chain. The Money I went to the Risk.net Live conference last week. There is a good reason for this?—?Ethereum

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Bitcoin System Software blockchain 40

Independent Banker

JUNE 30, 2022

Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. Photo by Linkes Photography.

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Community Bank Community National Philadelphia 172

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.

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Payments Innovation Cards Google 180