Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists? What changes will 2022 bring?

Community Bank 144

Community Bank Community Lending Louisiana 144

Independent Banker

DECEMBER 1, 2021

The pandemic forced us to find new ways to interact with customers. For community banks who are known for putting their customers first, this could be an area of concern. However, data from PwC shows that community banks are finding complementary partnerships that evolve their operations and the service they provide customers.

Community Bank 91

Community Bank Community Fintech Guidelines 91

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.

How To 195

How To Community Bank Community FDIC 195

Abrigo

SEPTEMBER 11, 2023

Takeaway 2 AI can lead to more accurate and consistent outputs or predictions, better risk management, and improved customer experiences. Let us step back in time and look at the last 50 years. Take the financial services industry as an example. Learn how technology helped a financial institution during uncertain times.

Risk Management 195

Risk Management Data Technology Fintech 195

FICO

FEBRUARY 21, 2023

The following card performance metrics help us understand the impact of the macro environment on the credit card industry at an aggregate level. These figures represent a national sample of approximately 130 million accounts that comprise FICO® Advisors’ Risk Benchmarking solution.

Trends 52

Trends Industry US Cards 52

Independent Banker

MAY 31, 2021

When I transitioned from a community bank CEO to ICBA president and CEO, my team gave me a beautiful handmade card with notes and best wishes. In this time of change, foundational risk and compliance knowledge will anchor your bank as you navigate new developments. Despite it all, community bankers remained committed to the path ahead.

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Course Community Bank Community Compliance 104

Independent Banker

JUNE 30, 2022

While it has had some benefits, like stronger risk management for our banks, it has made the customer process much more daunting. But community banks have adapted to address that shift. So, while this next round of uncertainty will bring with it new challenges, the strength of the community bank business model remains intact.

Lending 141

Lending Idaho Nevada Oregon 141

Abrigo

OCTOBER 20, 2020

From economic forecasts to company culture, there were important takeaways for all community financial institutions. . Hearing that information was really good confirmation to us on the things we’ve been doing as a bank.” Drive Growth. virtual conference, to learn from industry thought leaders, peer institutions, and other experts.

Management 195

Management Lending Community Strategy 195

Independent Banker

NOVEMBER 30, 2022

When it comes to supporting outliers in the Las Vegas community, Lexicon Bank knows how to play its cards. It was really impactful for us when the lights on the Strip went out—a very emotional, crazy time. But as a community bank that is there to serve the gaming hub of Las Vegas, Lexicon Bank welcomes these players with open arms.

Las Vegas 129

Las Vegas Community Bank Community Wisconsin 129

Abrigo

JULY 21, 2021

11 terrorist attacks were a significant driver in the development and implementation of many internal processes we see at banks throughout the US and beyond, aimed at ensuring we properly identify customers and deter bad actors. See Part I: Implications for Community Financial Institutions. Continuing education. Know the red flags.

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Training National Strategy Regulation 195

South State Correspondent

FEBRUARY 27, 2022

At SouthState, we use a program called ARC (Assumable Rate Conversion) that allows borrowers to pay a fixed rate of interest for as long as 20 years, but the bank retains a floating rate asset. Current Risk in Term Lending. ARC is custom designed to allow community banks to compete anywhere on the yield curve.

Lending 195

Lending Community Bank Community Meeting 195

PYMNTS

APRIL 16, 2019

Deputy Managing Director of MAS Jacqueline Loh said the relationship demonstrates a FinTech that may extend to other countries in the ASEAN region. The Fed And FinTech Firms.

Fintech 211

Fintech San Francisco National Innovation 211

ABA Community Banking

NOVEMBER 15, 2015

More than a battle of words, the AML community can greatly aid the ongoing response to terrorists Compliance Risk Management Blogs AML & Fraud BSA/AML.

US 40

US Risk Management Fraud Compliance 40

PYMNTS

SEPTEMBER 23, 2019

Financial crimes risk management software company Quantifind and Oracle Financial Services have teamed up to improve anti-money laundering (AML) compliance and to add intelligence and automation properties directly into the compliance workflows, according to a release.

Compliance 164

Compliance Software Risk Management Management 164

Abrigo

JUNE 5, 2015

Sorrentino says, “As the backbone of the US economy, our nation’s growth depends on community banks figuring out how to operate in this ever-increasing regulatory environment. It will require transparent communication and consideration of examiners on all levels of the bank’s functions.

Risk Management 150

Risk Management Community Bank Regulation Survey 150

Abrigo

DECEMBER 17, 2021

For banks and credit unions, this often means a deep understanding of regulations and compliance and adhering to the institution's risk management standards. Abrigo is more like a partner to us than a vendor or software provider.”? . Lending & Credit Risk. Credit Risk Management. Risk Ratings.

Fintech 195

Fintech How To Innovation System 195

Abrigo

OCTOBER 28, 2020

A storm of events that have defined 2020 leaves many community financial institutions today in the position where balance sheets are awash with liquidity and competitive markets are squeezing rates on good quality loans to lower-than- comfortable levels. There is the potential credit risk that the borrower may not pay us back.

Lending 195

Lending Risk Management Management Community 195

Gonzobanker

JULY 10, 2020

Community-based institutions have unique circumstances (and personal viewpoints) that impact how they see the world in the future and what planning will look like for them. How do we elevate our credit and operational risk visibility to ensure capital preservation and demonstrate strength to stakeholders? Risk Management.

Risk Management 88

Risk Management Capital Strategy social media 88

Independent Banker

MAY 2, 2016

At The Bank of Tioga, we preserve the local touch and serve our clients and communities well. We ignite prosperity in all the communities we serve through community reinvestment, lending to local businesses, and providing educational opportunities for the community and our employees. The Bank of Tioga. Tioga, N.D.

North Dakota 70

North Dakota Community Bank Community Risk Management 70

PYMNTS

AUGUST 21, 2019

“The driving force behind CleanChain is transparency, and our partnership with Libryo allows us to take that to the next level,” said ADEC Innovations President, Global Development Lance Pierce. Entering new markets and working with unfamiliar partners can introduce major risks.

Compliance 108

Compliance Innovation Software Risk Management 108

South State Correspondent

JANUARY 4, 2023

In the past, you have seen us rank customer relevance and total experience as a top priority for banks – not in 2023. For 2023, banks need to prioritize interest rate risk management and credit accuracy as a top priority. As a result, national banks are eroding the customer base of the community bank. Conclusion.

Community Bank 195

Community Bank Capital Lending Training 195

Celent Banking

APRIL 18, 2016

Last week many of us at Celent were in New York attending our Innovation and Insight Day on April 13th. Citizens Bank, US. Santander, US. Bank of America Merrill Lynch, US. CBW Bank, US. Cash Management and Trade Finance. Cash Management and Trade Finance. Security, Fraud, and Risk Management.

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US Case Study Risk Management America 100

PYMNTS

MAY 2, 2016

In his position as Vice President of Global Risk Management for TNS , Umer Ayub understands this reality firsthand. My global risk management team and I support all of TNS’ business divisions globally, which ensures a diverse set of responsibilities and a varied working day.

Risk Management 100

Risk Management Compliance Management Meeting 100

PYMNTS

APRIL 26, 2018

It allows us to pool our capabilities in risk management and financial technologies, and to leverage our global network of financial institutions to deliver financial inclusion,” said Stephanie Von Friedeburg, IFC Chief Operating Officer.

Marketing 121

Marketing Payments Risk Management Groups 121

PYMNTS

DECEMBER 14, 2020

At the same time, the influential NGO said cyberattacks were the second most concerning risk for doing business globally over the next 10 years. If the pandemic has taught us anything, it’s that planning and preparation and a coordinated global response are necessary to combat a truly global threat. Call for Global Action. Not All Bad.

Google 192

Google Security Washington Risk Management 192

Gonzobanker

MARCH 22, 2023

Irvine Sprague, Former FDIC Director So Gonzo Bankers … how many of us have been hesitant lately to check our iPhone each morning to see what trouble may have hit the fan in the financial world during a few restless hours of slumber? The slow, evolving maturity of a bank’s enterprise risk program needs to speed up fast.

social media 78

social media Capital Risk Management Strategy 78

Independent Banker

OCTOBER 1, 2022

We look at community banks’ options for fighting this type of crime. Community banks can find ways to mitigate age-related fraud through technology, as well as by educating their customers of their particular risks. Brandon Koeser, RSM US LLP. By Katie Kuehner-Hebert. Putting technology to work.

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Fraud social media Millennials Examples 133

South State Correspondent

MAY 3, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. Specific Example Let us consider First Republic Bank’s (FRB) balance sheet.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. Specific Example Let us consider First Republic Bank’s (FRB) balance sheet.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. Specific Example Let us consider First Republic Bank’s (FRB) balance sheet.

Lending 195

Lending Capital Management Tools 195

Independent Banker

OCTOBER 14, 2014

According to a statistic released as part of the ICBA 2014 Top 50 Community Bank Leaders in Social Media, nearly 2,500 banks have a Facebook or Twitter presence, and the numbers continue to exponentially grow. It is apparent everywhere you turn that social media is one of the hottest new communications tools in our society.

social media 88

social media Risk Management Compliance Community Bank 88

Abrigo

AUGUST 9, 2017

According to the OCC, institutions that have incorporated stress testing into their planning typically demonstrate an ability to withstand negative market developments more effectively than other financial institutions as a result of these beneficial risk management practices.

Columbus 150

Columbus Ohio FDIC Strategy 150

ABA Community Banking

APRIL 18, 2016

Mixed results show some commonalities Risk Management Blogs Talking Credit Credit Risk.

US 40

US Risk Management Management 40

ABA Community Banking

JUNE 5, 2015

ALCO Management Financial Trends Risk Management Rate Risk. SNL Report: How long will nearly 0% savings account cost continue?

Risk Management 40

Risk Management US Trends Management 40

Jeff For Banks

DECEMBER 9, 2020

Start integrating the financial risks from climate change into governance frameworks, risk management processes, and business strategies. The top 10 banks already control over 50% of all US banking assets. This is a testimony to decentralize banking and have more mid-sized and community banks.

Lending 78

Lending Regulation Community National 78

ABA Community Banking

MARCH 17, 2015

million victims in 2014 Risk Management Cyberfraud/ID Theft. 1Risk Management' $16 billion lost from 12.7

Trends 40

Trends Risk Management US Fraud 40

Gonzobanker

DECEMBER 22, 2020

Banks and credit unions had to fundamentally change their delivery, support and relationship management models at scopes and speeds that were unheard of. And how did community banks and credit unions respond to the COVID craziness? Jill is continually demonstrating just how loud a $300 million community bank can roar!

Idaho 172

Idaho Community Industry Strategy 172