From geopolitical tensions to labor shortages, central bank policy tightening, and increasing inflation, every new headline reveals just how much of a hindrance the U.S. economy is facing. Institutions that are more resilient translate that into a competitive advantage by taking a more comprehensive approach to lending risks. In an interview with RMA Communications Manager Stephen Krasowski, John Uhlmann, Senior Strategist at CoStar Risk Analytics, who specializes in commercial real estate debt, and works with clients across the country, including lenders of all sizes and Commercial Mortgage-Backed Securities investors, discusses the current risks he is seeing in the CRE market. Disclaimer: Some information discussed today may by its nature be the personal or subjective opinion of the speaker and not necessarily reflect the views of CoStar Group. Any forward-looking statements are believed to be based on reasonable assumptions but are subject to change and not necessarily comprehensive given the format. Most importantly, nothing said during this podcast should be construed as investment, tax, accounting, or legal advice or as a promotion or the advisability of any particular investment.

In an interview with RMA Communications Manager Stephen Krasowski, Jason Alpert, a Senior Vice President at Wells Fargo and Adjunct Professor at the University of Tampa, discusses early warning signs of potential bank loan performance problems and how to recognize deviations in a borrower's behavior patterns and business operations. An article on this topic will be published in the September edition of The RMA Journal. For podcast sponsorship/advertising opportunities, send an email to [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

The events related to COVID-19 challenged institutions, but also highlighted the value of effective risk management programs and practices. In a session at RMA’s Governance, Compliance, and Operational Resiliency conference, Caitlin Barre, Senior Vice President and Head of Non-Financial Risk Strategy and Programs at Regions Bank, offers lessons learned from the COVID-19 pandemic and leveraging operational risk management practices in stress scenarios. She also discusses what’s next and the importance of resilient risk management frameworks to successfully manage any transformative event. For podcast sponsorship/advertising opportunities, send an email to [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

M&A is especially challenging when working with firms, like fintechs, that may lack a robust risk management program, or are unfamiliar with the scrutiny that comes with financial regulations. In a session at RMA’s recent Governance, Compliance, and Operational Resiliency conference, Monica Bowe, Chief Risk Officer at Busey Bank and Christopher Nestore, Head of Enterprise and Operational Risk Management at TD Bank, offer lessons learned in due diligence, managing the risk culture of both firms, common pitfalls and ways to avoid them, and other risk challenges associated with M&A activity. For podcast sponsorship/advertising opportunities, send an email to [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with RMA Communications Manager Stephen Krasowski, Bobby Martin, CEO and Co-Founder of Vertical IQ, discusses challenges, risks, and underwriting considerations for the nursing home industry. For podcast sponsorship/advertising opportunities, send an email to [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

The Voices in Risk Management podcast series celebrates the diversity of experience, background, and skill that is driving the best risk management practices of today, and which will be a must in meeting the challenges and complexities of the future. In an interview with RMA Communications Manager Stephen Krasowski, Kathy Swift, Nonprofit Development Officer at Heritage Bank, discusses how she began her career journey in banking, top challenges and opportunities of lending to nonprofits, and the impact of nonprofits on communities. For podcast sponsorship/advertising opportunities, send an email to [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

The Voices in Risk Management podcast series celebrates the diversity of experience, background, and skill that is driving the best risk management practices of today, and which will be a must in meeting the challenges and complexities of the future. In an interview with RMA Communications Manager Stephen Krasowski, Liming Brotcke, Senior Director, Model Validation Risk at Ally Financial, discusses how she began her journey in banking, top challenges in model risk management, and the opportunities and risks presented with the use of artificial intelligence in models. For podcast sponsorship/advertising opportunities, send an email to [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

Mark Zandi, Chief Economist at Moody's Analytics, discusses the current and future states of the economy including credit and lending, inflation, labor, oil and gas, and the housing market. For podcast sponsorship/advertising opportunities, send an email to [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

The Voices in Risk Management podcast series celebrates the diversity of experience, background, and skill that is driving the best risk management practices of today, and which will be a must in meeting the challenges and complexities of the future. In an interview with RMA Communications Manager Stephen Krasowski, Shelly Liposky, Managing Director and Head of Business Risk and Solutions, BMO Capital Markets, discusses how she began her journey in banking, top challenges to managing technology risk, and her part in developing BMO’s artificial intelligence-powered platform. For podcast sponsorship/advertising opportunities, contact [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with RMA Academic Market Director John Sullivan, young banking professionals from the Ivey Business School at Western University in Canada reflect on their win from a past case competition, which was co-sponsored by the Sobey School of Business and RMA. They share their thoughts on what they remember from that competition, what they've learned, and how it's impacted their careers. For podcast sponsorship/advertising opportunities, send an email to [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

Linda Tuck Chapman, CEO of Third-Party Risk Institute, discusses ways to manage third-party and ESG risk. For podcast sponsorship/advertising opportunities, send an email to [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

The RMA/Ncontracts Culture and Conduct Survey is intended to capture the current state of culture and conduct practices across a range of RMA member institutions. In an interview with RMA Communications Manager Stephen Krasowski, Monica Bolin, Certified Enterprise Risk Professional and Risk Management Expert at Ncontracts, and Rafael DeLeon, Senior Vice President of Industry Engagement at Ncontracts, discuss the results of a recent survey on the current state of culture and conduct in financial institutions. For podcast sponsorship/advertising opportunities, send an email to [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with RMA Communications Manager Stephen Krasowski, Steven Martin, Head of Membership at RMA, discusses the many benefits of RMA membership. For podcast sponsorship/advertising opportunities, send an email to [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with RMA Communications Manager Stephen Krasowski, Vertical IQ CEO and Co-Founder Bobby Martin discusses the challenges facing the HVAC and plumbing industries and lenders in this space. For podcast sponsorship/advertising opportunities, please email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with RMA Communications Manager Stephen Krasowski, Varo Bank Chief Risk Officer Philippa Girling discusses the second edition of her book "Operational Risk Management: A Complete Guide for Banking and Fintech," where she offers guidance banks can apply to ensure they are effectively identifying, assessing, monitoring, and mitigating operational risks. For podcast sponsorship/advertising opportunities, email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

The Voices in Risk Management podcast series celebrates the diversity of experience, background, and skill that is driving the best risk management practices of today, and which will be a must in meeting the challenges and complexities of the future. In an interview with RMA Communications Manager Stephen Krasowski, Ned Sergew, Senior Director, Corporate Compliance at U.S. Bank, talks about the journey to his current role, the top challenges in the compliance space for large banks, and the achievements—and work that remains—in the area of diversity. For podcast sponsorship/advertising opportunities, please e-mail [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

Linda Tuck Chapman, CEO of Third-Party Risk Institute, discusses how companies can successfully modify their third-party risk management program to onboard innovative third-parties in record time. For podcast sponsorship/advertising opportunities, email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

Mark Zandi, Chief Economist at Moody’s Analytics, discusses the economic outlook for 2022 and beyond, including the interest rate environment, inflation, and CRE. For podcast sponsorship/advertising opportunities, email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

Oliver Wyman and RMA recently conducted its first annual Chief Risk Officer survey of a select group of approximately 40 CROs at financial institutions across the U.S. and Canada to gather information on the CRO agenda which includes an external outlook on the macroeconomy, regulation, emerging risks, and digitization. In the final episode of a three-part series, RMA Communications Manager Stephen Krasowski, Michael Duane, Partner, Americas Finance & Risk and Digital Practice at Oliver Wyman, and Hannah Vazquez, Engagement Manager, Americas Finance & Risk Practice at Oliver Wyman discuss digitization. For podcast sponsorship/advertising opportunities, email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

Oliver Wyman and RMA recently conducted its first annual Chief Risk Officer survey of a select group of approximately 40 CROs at financial institutions across the U.S. and Canada to gather information on the CRO agenda which includes an external outlook on the macroeconomy, regulation, emerging risks, and digitization. In the second episode of a three-part series, RMA Communications Manager Stephen Krasowski, Michael Duane, Partner, Americas Finance & Risk and Digital Practice at Oliver Wyman, and Hannah Vazquez, Engagement Manager, Americas Finance & Risk Practice at Oliver Wyman discuss emerging risks affecting financial institutions. Episode three will focus on digitization. For podcast sponsorship/advertising opportunities, email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

Oliver Wyman and RMA recently conducted its first annual Chief Risk Officer survey of a select group of approximately 40 CROs at financial institutions across the U.S. and Canada to gather information on the CRO agenda which includes an external outlook on the macroeconomy, regulation, emerging risks, and digitization. In the first of a three-part series, RMA Communications Manager Stephen Krasowski, Michael Duane, Partner, Americas Finance & Risk and Digital Practice at Oliver Wyman, and Hannah Vazquez, Engagement Manager, Americas Finance & Risk Practice at Oliver Wyman discuss the high-level findings from the survey. Episodes two and three will focus on emerging risks and digitization, respectively. For podcast sponsorship/advertising opportunities, email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with RMA Communications Manager Stephen Krasowski, John Silvia, President of Dynamic Economic Strategy, and a former Managing Director and Chief Economist for Wells Fargo Securities, discusses credit, the debt ceiling, and the cost of default. For podcast sponsorship/advertising opportunities, email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with RMA Communications Manager Stephen Krasowski, Atlantic Union Bank Operational Risk Manager Elisabeth Wilson discusses her career, mentoring, gender diversity issues, and ESG. For podcast sponsorship/advertising opportunities, please e-mail [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

SBFE Director of Information Security and Risk Pete Tannish, SBFE Senior Manager of Strategic Initiatives Michael Farley, and Greenway Solutions Co-founder Jerry Tylman discuss the research conducted by Tylman and his company on fraud associated with PPP lending. For podcast sponsorship/advertising opportunities, email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with RMA Communications Manager Stephen Krasowski, Vertical IQ CEO and Co-Founder Bobby Martin discusses the partnership between RMA and Vertical IQ and challenges and opportunities for banks lending to restaurants. For podcast sponsorship/advertising opportunities, email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview sponsored by Ncontracts, RMA Communications Manager Stephen Krasowski and Ncontracts Founder and CEO Michael Berman discuss Berman's book, in which he demonstrates why the most successful financial institutions approach risk management with curiosity and an open mind, leveraging their discoveries to make smarter decisions that support long-term strategic goals. For podcast sponsorship/advertising opportunities, email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with RMA Relationship Manager Elena Noverola, Huntington National Bank Credit Review Director Ann-Margaret Sumnar discusses sacrifices and struggles she had to endure throughout her career and challenges and opportunities for women in banking, in general. RMA's inaugural Women in Risk Summit will be held as part of RMA's Annual Risk Management Conference, October 25-28, 2021. Click the following link for more information and to register: https://www.rmahq.org/conferences/annual-risk-management-conference/ For podcast sponsorship/advertising opportunities, email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

Linda Tuck Chapman, CEO of Third-Party Risk Institute, discusses four areas of third-party due diligence, including procurement due diligence, third-party vetting, risk-related due diligence, and supply chain due diligence. For podcast sponsorship/advertising opportunities, email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with RMA National Board Member and American National Bank of Texas Director of Risk Management Crystal Humphreys, Commercial Bank of California Chief Credit Officer Christopher Colella and Brookline Bank President and CEO Darryl Fess discuss their banks' liquidity deployment strategies. For podcast sponsorship/advertising opportunities, email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

Technology has always played an integral role in banking, but the pandemic accelerated digital transformation in financial institutions, which are now finally beginning to understand the urgent need to invest in technology, not just to enhance customer experience, but to achieve efficiency and operational agility in other areas of the business such as risk management. In an interview with RMA Communications Manager Stephen Krasowski, RMA National Board Member and Regions Bank Chief Risk Officer of Consumer and Wealth Management George Buchanan discusses transformation risks affecting institutions, agility in risk management, and the impact of culture on transformation. For podcast sponsorship/advertising opportunities, please email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with RMA Communications Manager Stephen Krasowski, Investors Bank Chief Risk Officer Paul Kalamaras discusses how his bank has used KRIs/KPIs to continue to meet the needs of its customers. For podcast sponsorship/advertising opportunities, please email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

Michael Weissman, Counsel to the Chicago law firm of Levin & Ginsburg Ltd., raises and answers 25 questions related to foreclosure and sale of collateral. For podcast sponsorship/advertising opportunities, please email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with podcast "OA On Air," Boston-based Brookline Bancorp Chief Credit Officer Bob Rose discusses the economy and the impact of the pandemic on the major industries in the Greater Boston area, including financial services, housing, higher education, and commercial real estate. For podcast sponsorship/advertising opportunities, please email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with RMA Associate Director of Operational Risk Sylwia Czajkowska, Annmarie Giblin, founding and principal attorney of Giblin Law PLLC, discusses the importance of having a cyber insurance policy and how a cyber insurance policy fits into an organization's overall cyber risk management framework. For podcast sponsorship/advertising opportunities, please email [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with RMA Communications Manager Stephen Krasowski, ATB Financial Chief Risk Officer Lisa McDonald discusses how her bank has used KRIs/KPIs to continue to meet the needs of its customers. For podcast sponsorship/advertising opportunities, please e-mail [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In an interview with Valliance Bank Chief Credit Officer Lexie Garrison, Commercial Bank of California Chief Credit Officer Christopher Colella and Citizens Trust Bank Chief Credit Officer Fred Daniels discuss how their banks navigated the different levels of shutdown in different areas of the country during the pandemic, and offer best practices for how they eased borrowers into submitting financial statements during that time. For podcast sponsorship/advertising opportunities, please send an e-mail to [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on iTunes, Spotify, and Google Play.

In this installment of the monthly podcast series on credit risk and model risk management, Fran Garritt, Director of Global Markets Risk and Securities Lending at RMA, and Kevin Oden, Founder and Managing Partner of Kevin D. Oden & Associates and Managing Director of RMA’s Model Validation Consortium, discuss the importance of the Standard Initial Margin Model (SIMM), its impact on financial institutions, the complexities of SIMM and how it performed during the pandemic, and model validation issues associated with SIMM. For podcast sponsorship/advertising opportunities, please e-mail [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on iTunes, Spotify, and Google Play.

In an interview with RMA Communications Manager Stephen Krasowski, Rick Parsons, a former executive vice president and corporate operational risk executive with Bank of America, author of the RMA-published books "Broke: America’s Banking System" and "Investing in Banks," and the instructor of RMA’s Advanced Operational Risk Management course, discusses his Future of Risk Management whitepaper, bank M&A, and the current state of operational risk and enterprise risk management. For podcast sponsorship/advertising opportunities, please e-mail [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

Joe Iraci, Vice President of Enterprise Risk and Internal Audit at Robinhood Markets, and Chair of RMA's Operational Risk Council, discusses price risk, value-at-risk, stress testing, and scenario analysis. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts. For podcast sponsorship/advertising opportunities, please send an e-mail to [email protected].

Ed Blount, Executive Director, Center for the Study of Financial Market Evolution, discusses how data-based models can be used to change the negative views of financial markets that are held by some bank customers and regulators, especially in the wake of the pandemic. References: 1. Malfeasance, defined as "Evil-doing; the doing of that which ought not to be done; wrongful conduct, especially official misconduct; violation of a public trust or obligation; specifically, the doing of an act which is positively unlawful or wrongful, in contradistinction to misfeasance, or the doing of a lawful act in a wrongful manner." American Heritage Dictionary, at https://www.wordnik.com/words/malfeasance 2. Hu, Edwin and Mitts, Joshua and Sylvester, Haley, The Index-Fund Dilemma: An Empirical Study of the Lending- Voting Tradeoff (December 22, 2020). NYU Law and Economics Research Paper No. 20-52 , Columbia Law and Economics Working Paper No. 647, Available at SSRN: https://ssrn.com/abstract=3673531 or http://dx.doi.org/10.2139/ssrn.3673531 Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts. For podcast sponsorship/advertising opportunities, please send an e-mail to [email protected].

In the last of a three-part series on third-party concentration risk, Linda Tuck Chapman, CEO of Third-Party Risk Institute, discusses third-party concentration risk and key risk indicators (KRIs). For podcast sponsorship/advertising opportunities, please send an e-mail to [email protected]. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts.

In a recent interview with RMA Communications Manager Stephen Krasowski, Doug Ernest, chief credit officer, United Bank, shared his perspectives on unique credit challenges during the COVID-19 pandemic. Have a smart phone or tablet? Subscribe for FREE to our podcasts on Apple Podcasts, Spotify, and Google Podcasts. For podcast sponsorship/advertising opportunities, contact Jennifer Covington at [email protected].

In an interview with RMA Communications Manager Stephen Krasowski, Avi Gesser, Partner at Debevoise & Plimpton, discusses the European Union draft AI law, regulations on the uses of AI, and how financial institutions can prepare now for future changes in AI regulatory obligations. Have a smart phone or tablet? Subscribe for FREE to our podcasts on iTunes, Spotify, and Google Play. For podcast sponsorship/advertising opportunities, contact Jennifer Covington at [email protected].

In the second of a three-part series on third-party concentration risk, Linda Tuck Chapman, CEO of Third-Party Risk Institute, discusses cloud concentration risk, fourth-party concentration risk, and systemic risk. The first part discussed inventory management, entity and activity, and geopolitical and geographic. Have a smart phone or tablet? Subscribe for FREE to our podcasts on iTunes, Spotify, and Google Play. For podcast sponsorship/advertising opportunities, contact Adam Lennon at [email protected].

RMA’s upcoming Governance, Compliance, and Operational Risk virtual conference (GCOR XV)will be held June 7-10, and will prepare risk managers for the challenges of a new economic landscape, a world that will feel the effects of COVID-19 long after the end of the pandemic, yet which also confronts rapid and massive change unlike any time in history. For further information and to register, visit https://landing.rmahq.org/GCORXV. Have a smart phone or tablet? Subscribe for FREE to our podcasts on iTunes, Spotify, and Google Play. For podcast sponsorship/advertising opportunities, contact Adam Lennon at [email protected].

In the first of a three-part series on third-party concentration risk, Linda Tuck Chapman, CEO of Third-Party Risk Institute, discusses three areas of concentration risk, including inventory management, entity and activity, and geopolitical and geographic. Have a smart phone or tablet? Subscribe for FREE to our podcasts on iTunes, Spotify, and Google Play. For podcast sponsorship/advertising opportunities, contact RMA Sponsorship Manager Adam Lennon at [email protected].

In an interview with RMA Communications Manager Stephen Krasowski, Michael Weissman, Counsel to the Chicago law firm of Levin & Ginsburg Ltd., discusses the impact of wire transfers on financial institutions. For podcast sponsorship/advertising opportunities, contact Adam Lennon at [email protected]. Have a smart phone or tablet? Resubscribe for FREE to our podcasts on iTunes, Spotify, and Google Play.

In an interview with RMA Communications Manager Stephen Krasowski, Atlantic Union Bank Chief Risk Officer David Bilko discusses lessons learned from the pandemic regarding KRIs/KPIs. Please resubscribe for FREE to our podcasts on iTunes, Spotify, and Google Play. For sponsorship/advertising opportunities, contact Adam Lennon at [email protected].

In an interview with RMA Communications Manager Stephen Krasowski, Heartland Financial Chief Risk Officer Tamina O'Neill discusses how her institution had used KRIs/KPIs to monitor its risks and the internal and external environment as it was evolving with the pandemic unfolding. For podcast sponsorship/advertising opportunities, contact Adam Lennon at [email protected].

In this installment of the monthly podcast series on credit risk and model risk management, Fran Garritt, Director of Global Markets Risk and Securities Lending at RMA. and Kevin Oden, Founder and Managing Partner of Kevin D. Oden & Associates and Managing Director of RMA’s Model Validation Consortium, define the role of bias and data in machine learning and AI, provide the contributing factors for bias in models, and offer best practices for firms regarding bias. For podcast sponsorship/advertising opportunities, contact Adam Lennon at [email protected].

In an interview with Commercial Bank of California Chief Credit Officer Christopher Colella, Darryl Fess, President and CEO, Brookline Bank, and Fred Daniels, Chief Credit Officer, Citizens Trust Bank, discuss their perspectives on loan portfolio management during the pandemic. For podcast sponsorship/advertising opportunities, please contact Adam Lennon at [email protected].

A growing concern among RMA members and bankers is the future of the banking industry and the development of the next generation of talent. RMA is dedicated to providing young people with the resources they need to build a brighter future and fill the talent gap through its Academic Program and the scholarships it offers. In an interview with RMA Communications Manager Stephen Krasowski, RMA Academic Market and Assessment Director John Sullivan discusses the goals and recent developments of RMA's Academic Program. For podcast sponsorships/advertising opportunities, contact Adam Lennon at [email protected].

In an interview with RMA Communications Manager Stephen Krasowski, Rob Edwards, Chief Risk Officer, United Community Bank, discusses risks facing community banks and lessons learned during the pandemic, interest rates, PPP, and changes to policies and practices. For podcast sponsorship/advertising opportunities, contact Adam Lennon at [email protected].

Despite the associated challenges surrounding the pandemic, preparedness will be the key to CECL. It is important that we actively identify the issues that will create complications and address them in preparing the estimate, work in advance to discuss and clear issues or positions with the auditors and regulators, and determine that there are controls in place to make sure everything gets done right. In an interview with RMA Communications Manager Stephen Krasowski, Benjamin Hoffman, Managing Director of Financial Risk Management at KPMG and Joseph Bielecki, Director, Advisory, of Financial Risk Management at KPMG, discuss the volatility of CECL estimates, COVID-related modifications and challenges, model limitations, and accounting policy elections and assumptions. For podcast sponsorship/advertising opportunities, contact Adam Lennon at [email protected].

Linda Tuck Chapman, CEO of Third-Party Risk Institute, discusses what went right in 2020 and strategies for 2021 regarding third-party risk. For podcast sponsorship/advertising opportunities, contact Adam Lennon at [email protected].

RMA responded to the COVID-19 crisis by quickly pivoting to virtual peer sharing and other events, adding new business solutions, and creating content across our many platforms to help institutions navigate an unprecedented economic shock and be more responsive to our members’ needs. In an interview with RMA Communications Manager Stephen Krasowski, RMA President and CEO Nancy Foster discusses the Association's top initiatives from the past year. For podcast sponsorship/advertising opportunities, contact Adam Lennon at [email protected].

In an interview with Stephen Krasowski, Communications Manager at RMA, Branan Cooper, a financial services industry expert with over 30 years experience with banks like MBNA America, Western Alliance Bancorp, The Bancorp Bank, and a RegTech company, discusses the impact of regulation on third party risk management, challenges of third party risk, and how third party risk fits into an organization’s overall ERM framework. For podcast sponsorship/advertising opportunities, contact Adam Lennon at [email protected].

Linda Tuck Chapman, CEO, Third Party Risk Institute, discusses the SolarWinds megabreach, the most sophisticated hack ever, from the third and/or fourth party perspective. She also provides recommendations on what firms can do to strengthen their third-party risk management practices. Have a smart phone or tablet? Subscribe for FREE to our podcasts on iTunes, Spotify, and Google Play. For podcast sponsorship/advertising opportunities, please contact Adam Lennon at [email protected].

In an interview with RMA Associate Director of Operational Risk Sylwia Czajkowska, Annmarie Giblin, founding and principal attorney of Giblin Law PLLC, discusses cyber management, why ransomware has become one of the industry's main regulatory concerns, and challenges with third parties/vendors. RMA will be hosting a webinar on the topic on February 9. Register now: https://www.rmahq.org/MeetingDetail.aspx?productId=686259634 For podcast advertising/sponsorship opportunities, please contact Adam Lennon at [email protected].

In this installment of the monthly podcast series on model risk management, Fran Garritt, Director of Global Markets Risk and Securities Lending at RMA. and Kevin Oden, Founder and Managing Partner of Kevin D. Oden & Associates and Managing Director of RMA’s Model Validation Consortium, discuss data’s role in an institution as it relates to BCBS 239, model validation, data framework and architecture, governance, and how artificial intelligence and machine learning consume data. For more information on RMA's Model Validation Consortium, visit landing.rmahq.org/mvc. For podcast advertising/sponsorship opportunities, please contact Adam Lennon at [email protected].

The RMA Journal recently interviewed Mauro Guillen, holder of the Zandman Endowed Professorship in International Management at the Wharton School of the University of Pennsylvania. In the interview, he discusses his book, "2030: How Today's Biggest Trends Will Collide and Reshape the Future of Everything," and the ways the enormous geopolitical, demographic, and climate-related changes we are about to experience will affect the banking industry. Here is a clip from that interview where he talks about challenges and opportunities for banks in the future. The full interview can be found in the February edition of The RMA Journal. For podcast sponsorships/advertising opportunities, please contact Adam Lennon, RMA Sponsorship Sales Manager, at 646-590-4557 or [email protected].

In March 2020, RMA conducted a survey on the potential for negative rates in the U.S. The survey originated in discussions with the RMA Market Risk Council as coronavirus uncertainty dominated the markets and the Federal Open Markets Committee took the Fed Funds Target Rate to the effective zero rate “floor.” Council members concluded that a survey covering the potential for a U.S. negative rates policy, the probable industry impact, and financial firms’ readiness to operate in a negative rates environment would be valuable to the industry. Fran Garritt, Director of Global Markets Risk and Securities Lending at RMA, and Thomas Gregory, long-time member of RMA’s Global Markets Council, discuss insights from the “Negative Rates Preparedness and Strategy” white paper, the likelihood and consequences of a negative rates policy, and how regulators plan to address the issue. To read the paper in its entirety, visit www.rmahq.org/focus-on-the-negative-banks-assessment-of-the-potential-for-the-us-negative-rates-policy-and-their-preparedness/

In this installment of the monthly podcast series on credit risk and model risk management, Fran Garritt, Director of Global Markets Risk and Securities Lending at RMA. and Kevin Oden, Founder and Managing Partner of Kevin D. Oden & Associates and Managing Director of RMA’s Model Validation Consortium, discuss the differences between ALLL and CECL, the impact of the switch to CECL on modeling, and the concepts, processes, or practices that may exist under CECL. For more information on RMA's Model Validation Consortium, visit landing.rmahq.org/mvc.

In the first installment of a series on model risk management, Fran Garritt, Director of Credit and Global Markets Risk at RMA, and Kevin Oden, Founder and Managing Partner of Kevin D. Oden & Associates and Managing Director of RMA's Model Validation Consortium, discuss RMA's recent white paper on its model risk framework for small institutions that includes model development, model validation, model risk management. For more information on RMA's Model Validation Consortium, visit https://landing.rmahq.org/mvc

Joe Iraci, Chair of RMA's Operational Risk Council, discusses the impact of COVID-19 on negative interest rates.

In an interview with RMA Communications Manager Stephen Krasowski, Director of Professional Development Monique Donahue discusses RMA’s self-directed online courses that allow participants to advance through the all-digital material following the pathway that best meets their needs. Information on how to register and the list of courses can be found here: https://landing.rmahq.org/self-directedlearning/

*Sponsored by Ncontracts: https://www.ncontracts.com/ In an interview with RMA Communications Manager Stephen Krasowski, Stephanie Lyon, Vice President of Compliance at Ncontracts, discusses consumer complaint trends; the importance of managing consumer complaints; and best practices to strengthen your consumer complaint management program. Ncontracts will be sponsoring a webinar on this topic on December 9: https://www.rmahq.org/MeetingDetail.aspx?productId=686105540 Ncontracts will also be sponsoring a virtual forum titled “Fair Lending Compliance Best Practices & Analysis of Your Program” on December 8 and 10, which will discuss fair lending compliance risk and help you to understand your program and where you want to be: https://www.rmahq.org/MeetingDetail.aspx?productId=686116655

Joseph Breeden, President of Prescient Models LLC, discusses how COVID-19 has impacted modeling in the financial industry. You can purchase Breeden's RMA-published book titled "Perspectives on Credit Risk, Portfolio Management, and Capital" here: https://www.amazon.com/Perspectives-Credit-Portfolio-Management-Capital-ebook/dp/B00SVE6P3S/ref=sr_1_1?dchild=1&keywords=joseph+breeden+rma&qid=1605106951&sr=8-1

In an interview with RMA Communications Manager Stephen Krasowski, RMA Global Markets Risk and Securities Lending Director Fran Garritt, discusses RMA’s white paper titled “The New Normal | Digital Asset Corporate Actions.” Through the paper, RMA aims to facilitate prompt discussion of emerging technologies that help transform securities lending’s end-to-end workflow.

In an interview with Brookline Bancorp Director of Corporate Credit Policy Maureen McCarthy, Bank Rhode Island Senior Credit Risk Manager Richard Dunn and Brookline Bancorp Senior Workout Specialist Meghan Breuer share their knowledge and insights on loan workout.

In an interview with RMA Communications Manager Stephen Krasowski, RMA Credit Risk Council Chair Seth Waller, chief credit officer at TIAA Bank, discusses the advantages of a dual, or quantitative, risk rating system versus a single, or qualitative, approach. If your institution is interested in moving from single to dual risk rating and/or for information on RMA’s Dual Risk Rating solution, please visit RMA’s website at https://landing.rmahq.org/dualriskrating or send an email to [email protected].

Linda Tuck Chapman, President, Ontala Performance Solutions, discusses third-party risk management as it relates to asset management and/or compliance.

RMA Communications Manager Stephen Krasowski interviewed Lori Calhoun, chief risk officer at Dollar Bank, on the key findings of a recent RMA survey, which captured the maturity and development of the Three Lines of Defense, organizational structure, roles and responsibilities, and best practices.

Jacob Kosoff, Head of Model Risk Management and Validation, Regions Banks, discusses the importance of adopting a top-down approach to model governance that inventories the business capabilities of models, identifies essential business outputs derived from models, and determines which model capabilities are most critical to these processes.

In an interview with RMA Communications Manager Stephen Krasowski, Sylwia Czajkowska, Associate Director of Operational Risk at RMA, and Christe Smith, Director of Third-Party Risk at Bank OZK, discuss some of the key findings from a recent survey on the current state of COVID-19 and its impact on third-party risk management practices.

Nick Klein, Senior Credit Risk Review Officer, Ephrata National Bank, discusses the importance of developing a hemp lending plan and the need to work with your lending, legal, and compliance teams to understand what is required of you and your farmer to ensure everyone is operating within the law.

In an interview with RMA Communications Manager Stephen Krasowski, RMA Community Bank Council Chair Crystal Humphreys, Senior Vice President and Director of Risk Management at American National Bank of Texas, discusses key findings from RMA’s recent survey on top issues and current trends affecting community banks.

In an interview with RMA Communications Manager Stephen Krasowski, Inpensa Co-Founder, President, and CEO Suraj Nekram discussed what banks need to consider as they pursue their own transformation journeys. To view the complimentary webinar on this topic, visit: https://www.rmahq.org/ProductDetail.aspx?productId=685662995

Cris Shreve, Audit Director, Strategy & Solutions, TD Ameritrade, shares how she worked with representatives from the second line of business to align on various overlapping areas between the first line business unit and the second and third lines.

In the second of a two-part series, Linda Tuck Chapman, President, Ontala Performance Solutions, discusses the impact of third-party relationships on returning to facilities. Chapman also discusses RMA’s document, “SARS-COV-2: Recommendations for Third Parties Working from Home & Returning to Facilities,” which is an appendix to RMA’s existing document “SARS-COV-2 Principles of Workforce Return to Facilities,” which is the work of RMA’s Operational Risk Council.

Stephen Krasowski, Communications Manager at RMA, provides an wrapup of the FIRST EVER VIRTUAL GCOR XIV. The conference included 6 speakers, 5 sessions, 4 hours of learning, 3 keynotes, and over 950 registered attendees. You can register now through July 31, 2020 to access GCOR XIV's broadcast and the 12 breakout sessions on-demand on the GCOR XIV website until September 30, 2020. You will need to log in to our virtual conference platform, use the email address you registered with for the conference, and enter the password GCOR2020. Once logged in, click on the "Sessions" tab and then "On-Demand Sessions" For more information, please visit: https://landing.rmahq.org/gcorxiv

In the first of a two-part series, Linda Tuck Chapman, President, Ontala Performance Solutions, discusses the impact of third-party relationships on working from home and/or returning to facilities. Chapman also discusses RMA’s document, “SARS-COV-2: Recommendations for Third Parties Working from Home & Returning to Facilities,” which is an appendix to RMA’s existing document “SARS-COV-2 Principles of Workforce Return to Facilities,” which is the work of RMA’s Operational Risk Council.

Stephen Krasowski, Communications Manager at RMA, talks to Erika Crandall, Head of Risk at Reserve Trust, about RMA’s new Technology Risk Framework, which addresses the historical gaps in our understanding, and applicability, of technology-driven risks, while at the same time creates flexibility based on the size and complexity of an institution and its needs.

Stephen Krasowski, Communications Manager at RMA, talks to John Baier, Senior Associate Director at RMA, about RMA’s recently released white paper, “Guidelines for Risk Rating Loans in the COVID-19 Period,” which seeks to assist financial institutions in their loan grading process during the unprecedented economic uncertainty of the COVID-19 pandemic.

Andrew Iraci, COO at Nostrum Asset Management, LLC, discusses business resiliency with regard to business continuity, disaster recovery planning, volatility, and disruption.

Mark Zandi, Chief Economist at Moody’s Analytics, discusses the impact of COVID-19 on the current and future state of the U.S. economy.

Danielle Ader, Senior Executive Recruiter, AJ Consultants, discusses ways to increase the presence of women in banking through mentorships, sponsorships, internships, and emerging leadership programs.

Bernie Mason, RMA’s Regulatory Relations Liaison, discusses 13 FAQs issued by the federal banking agencies regarding the Community Reinvestment Act (CRA) and the COVID-19 pandemic.

In an interview with RMA Communications Manager Stephen Krasowski, Joe Iraci, Head of Financial Risk Management at TD Ameritrade, and Chair of RMA’s Operational Risk Council, discusses RMA’s Operational Risk Framework, why it’s important for banks to consider the framework, and the top risks the framework addresses. View the framework at: https://www.rmahq.org/operational-risk-management-framework/

Bernie Mason, RMA’s Regulatory Relations Liaison, discusses the Federal Reserve Board’s May 2020 Supervision and Regulation Report, which summarizes banking conditions and supervisory activities.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Federal Reserve Board’s Senior Loan Officer Opinion Survey on bank lending practices.

Linda Tuck Chapman, President, Ontala Performance Solutions, reviews an article published in the April 2020 issue of The RMA Journal, and an excerpt from her RMA-published book “Third-Party Risk Management: Driving Enterprise Value.”

In part one of a two-part series on third-party lifecycle management, Linda Tuck Chapman, President, Ontala Performance Solutions, reviews an article published in the April 2020 issue of The RMA Journal, and an excerpt from her RMA-published book “Third-Party Risk Management: Driving Enterprise Value.”

Jeff Ingber, Chief Advisor, Anti-Financial Crime Practice, Genpact, discusses the OCC’s bulletin informing supervised banks of its conception of sound fraud risk management principles.

Linda Tuck Chapman, President, Ontala Performance Solutions, discusses COVID-19 and third-party risk with regard to working from home, geographic concentration risk, financial health, and service quality. Please check out RMA’s members-only Coronavirus Resource Center webpage and blog - https://www.rmahq.org/rmablog.aspx?id=42901 - which offer pandemic planning materials, including a detailed crisis management planning checklist, recommended internal and external communications protocols, and an analysis of potential pandemic scenarios and their implications, as well as the latest updates from regulators and other blogs and articles. Not a member? Become one today: www.rmahq.org/membership-types/

Stephen Krasowski, Communications Manager and Contributing Editor of The RMA Journal, interviews Bernie Mason, RMA’s Regulatory Relations Liaison, on the SBA’s new Paycheck Protection Program, which will provide additional funds to help businesses keep their workforce employed during the COVID-19 crisis. Please check out RMA’s members-only Coronavirus Resource Center webpage and blog, which offer pandemic planning materials, including a detailed crisis management planning checklist, recommended internal and external communications protocols, and an analysis of potential pandemic scenarios and their implications, as well as the latest updates from regulators and other blogs and articles. Not a member? Become one today: https://www.rmahq.org/membership-types/

Grigoris Karakoulas, President of InfoAgora, discusses CECL implementation tradeoffs in anticipation of a potential downturn.

Stephen Krasowski, Communications Manager and Contributing Editor of The RMA Journal, interviews Jamie Moculak, Director of Demand Generation at RMA, on how the Association has been supporting its staff and members during this difficult time.

Joseph Breeden, Ph.D., CEO of Prescient Models, discusses stress testing for pandemics and lessons learned from the Hong Kong SARS recession. Purchase the recording of this webinar in addition to the February 11 webinar, Pandemic Planning: Crisis Management in the Framework of Operational Risk here: https://landing.rmahq.org/riskreadiness/webinar-extras-2284R-358068.html

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the FDIC’s recent guide intended to help financial technology companies and other entities partner with banks. The guide is designed to help third parties understand the environment in which banks operate and navigate the requirements unique to banking.

In an interview with Fran Garritt, Director of Global Markets Risk and Securities Lending at RMA, ARRC Chair Tom Wipf, who is also Morgan Stanley’s Vice Chairman of Institutional Securities, provides an update on the ARRC’s efforts and support for institutions making the transition from LIBOR.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the OCC’s Semiannual Risk Perspective that highlights risks facing national banks and federal savings associations.

Eric Holmquist, Managing Principal at Capco, discusses the process of aligning the concepts of strategy and risk management. If you enjoy this podcast, please provide a favorable rating on iTunes.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses a recent article in the FDIC’s online publication, “Supervisory Insights,” in which the agency offered observations derived from recent examinations of institutions with CRE concentrations.

Linda Tuck Chapman, President of Ontala Performance Solutions, discusses third-party innovation risks and 5G networks.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Federal Reserve Board’s Supervision and Regulation Report, which summarizes banking conditions and the agency’s supervisory and regulatory activities during the reporting period.

Neil Berdiev, Managing Partner and Founder of DNB Advisory, discusses strategies for effective communication in credit risk management.

Riley Thomas, Senior Vice President of Revenue at Built Technologies, discusses the current state of construction in banking, digitization, and the realities of construction risk.

RMA and FCInsight are partnering to conduct the first ever survey to study the maturity of integrated risk management.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Department of Housing and Urban Development (HUD) and the Department of Justice (DOJ)’s issuance of a memorandum of understanding describing broad guidelines of how HUD and DOJ will coordinate applying the False Claims Act to enforce alleged violations of federal housing administration requirements. If you enjoy this podcast, please provide a favorable rating on iTunes.

Joe Iraci, Head of Financial Risk Management at TD Ameritrade, discusses business resiliency and how an organization’s ability to detect, prevent, and recover from an event that could impact its critical business functions will determine its future success. If you enjoy this podcast, please provide a favorable rating on iTunes.

Fran Garritt, Director of Global Markets Risk and Securities Lending at RMA, and RMA Board Member Kevin Oden, Managing Member of Kevin D. Oden & Associates, discuss model validation with regard to best practices, regulatory expectations, artificial intelligence and machine learning, talent, and LIBOR replacement.

RMA is committed to helping prepare institutions and the industry for the upcoming transition from LIBOR. In this podcast Stephen Krasowski, Contributing Editor of The RMA Journal, interviews Paul Guinan, Associate Director of Global Markets Risk and Securities Lending at RMA, on SOFR, the preferred interest rate benchmark that could ultimately replace LIBOR.

Rick Buczynski, Ph.D., Senior Vice President and Chief Economist, IBISWorld, and Dev Strischek, Principle, Devon Risk Advisory Group, discuss key factors in lending and credit that differentiate the current cycle from the past and what we should be alerted to as the credit cycle becomes fatigued.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses RMA’s first-ever uniform set of ethical principles solely intended for the industry. Visit https://www.rmahq.org/principles-of-ethical-conduct/ to make the pledge.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the regulatory agencies' Leveraged Lending Guidance.

Lynn Woosley, Senior Director at Treliant, and Max Sherman, Senior Analyst at Treliant, discuss consumer protection implications of emerging technologies.

Joey Bonin and Jeff Polasek of Partner Engineering and Science discuss the recent changes to the standard operating procedures of the Small Business Administration.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the OCC’s recent bulletin, “Fraud Risk Management Principles.”

Linda Tuck Chapman, President, Ontala Performance Solutions, discusses information and cybersecurity risk management practices.

Stephen Krasowski, Contributing Editor of The RMA Journal, interviews Fran Garritt, Director of Global Markets Risk and Securities Lending at RMA, on the impact of Libor replacement on banks, where we see it going, and the specific risks associated with it.

Joe Iraci, Head of Financial Risk Management at TD Ameritrade, discusses strategic risk management.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Federal Reserve Board’s recent publication, “Perspectives from Main Street: Stakeholder Feedback on Modernizing the Community Reinvestment Act (CRA),” a summary of feedback from bankers and community groups on the state of and current revisions to CRA.

Dev Strischek, author of RMA’s Analyzing Construction Contractors and the instructor for RMA’s course of the same name, discusses the critical thinking and cognitive bias.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the OCC’s Semiannual Risk Perspective for spring 2019, highlighting key risk issues in the current banking environment.

Mark Zandi, Chief Economist at Moody’s Analytics, discusses the current state of the economy. He says we are on track for a solid economy this year, but inflation will accelerate, interest rates will eventually rise, and once unemployment begins to increase, even from a low level, history shows it is all but impossible to avoid recession.

At a time when boards rightfully focus much emphasis and attention on corporate culture, good corporate citizenship, and enterprise risks, Maureen McCarthy, Senior Credit Officer at Brookline Bank, discusses the risks and rewards associated with what most companies think of as their greatest asset—their people.

Listen to a recording of Steve Minsky’s GCOR XIII session on The Why, How, and What of Effective Board Reports.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the federal banking agencies’ observations on the TILA/RESPA Integrated Disclosure (TRID) Rule.

Thomas Ruppel, Senior Advisor, Genpact, and Jeffrey Ingber, Chief Advisor, Genpact, discuss the compelling synergies between credit and compliance risk.

Stephen Bartoletti, author and trainer, discusses the difference between trading capital and working capital.

Stephen Krasowski, Communications Manager and Contributing Editor of The RMA Journal, discusses RMA’s new Critical Thinking course, which will take place on May 2 at its headquarters in Philadelphia, Pa. To register, or for more information, visit: https://www.rmahq.org/MeetingDetail.aspx?productId=683744301

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Federal Reserve Board’s recent article, “Vendor Management Considerations for Flood Insurance Requirements.”

Michael Weissman, an attorney at Levin Ginsburg, discusses 25 points to remember when foreclosing on UCC-type collateral.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the CFPB’s Advanced Notice of Proposed Rulemaking regarding residential Property Assessed Clean Energy financing.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses several recent issuances by the federal banking agencies and the CFPB.

Steven Minsky's RMA GCOR Conference podcast

Michael Weissman, an attorney at Levin Ginsburg, discusses 21 issues to consider in loan participations.

Steven Minsky, CEO, LogicManager, provides an overview of his GCOR session on April 10. He discusses the increased pressures for today’s risk and governance professionals in a changing regulatory environment, and the role risk management plays in supporting the board’s objectives; how to align operational activities with strategic goals; and actionable steps to collect and integrate information across departments and adapt common characteristics of today’s most successful risk presentations and dashboards.

Linda Tuck Chapman, President of Ontala Performance Solutions, discusses millennials and third-party risk management.

Stanley Jutkowitz, Senior Counsel at Seyfarth Shaw LLP, discusses marijuana-related businesses in banking.

Senthil Selvaraj, second line risk leader at PNC Bank, discusses the risks and rewards for banks using artificial intelligence.

Joseph Iraci, Head of Financial Risk Management at TD Ameritrade, previews his new book, Risk Appetite, Culture, and Conduct: A Guide for Risk Management, to be published by RMA in April.

Nick Klein, senior credit risk review officer, Ephrata National Bank, discusses the risks of lending to livestock farmers.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the OCC’s Semiannual Risk Perspective for fall 2018, highlighting key risk issues in the current banking environment.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the federal banking agencies’ and FinCEN’s statement to encourage insured institutions to consider, evaluate, and implement innovative approaches to meet their BSA/AML compliance obligations in order to strengthen the financial system against illicit financial activity.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the FFIEC’s update on its Examination Modernization Project, which identifies and assesses ways to improve the effectiveness, efficiency, and quality of community financial institutions’ safety and soundness examination processes through the use of technology.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Federal Reserve Board’s issuance of two new reports: “Supervision and Regulation” and “Financial Stability”.

Stephen Bartoletti, a speaker and trainer with more than 30 years in commercial lending, discusses why deducting Maintenance Capex from operating cash flows became a common practice and why it is a concern.

Are you lending to businesses with significant off-the-book liabilities you don’t know about? Hansen Rada, CEO of Tax Guard, discusses how to make information about delinquent taxes actionable for lending and borrowing decisions.

Mark Dreux, Business Development & Marketing Vice President at Digital Matrix Systems, discusses the enterprise level management of Personally Identifiable Information (PII) and how financial institutions can minimize potential risks of improper management.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Department of the Treasury’s Office of Foreign Asset Control’s (OFAC) cyber-related sanctions program and the potential impact this may have on financial institutions’ risk management programs.

Eric Holmquist, managing principal, ERM National Practice at Capco, discusses looking at business resiliency through a lens of enterprise risk management, and how using risk management tools can be more effective when we think about topics that can be destructive to our world.

Mark Zandi, Chief Economist, Moody’s Analytics, discusses the current and future state of the U.S. economy as we round out the year.

Peter Cherpack of Ardmore Advisors discusses CECL implications for smaller, less complex institutions.

John Cassis, independent consultant and retired banker, discusses common credit-grading models.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Financial Crimes Enforcement Network’s (FinCEN) 90-day temporary and limited exceptive relief to covered financial institutions from the obligations of the Beneficial Ownership Rule for Legal Entity Customers for certain financial products and services that were established before the Beneficial Ownership Rule’s Applicability Date of May 11, 2018.

Neil Berdiev, Managing Partner and Founder of DNB Advisory, discusses social media and its role in the successes and possible failures for an organization.

Dev Strischek, author of RMA’s Analyzing Construction Contractors and the instructor for RMA’s course of the same name, discusses the importance of real estate concentrations.

Joseph Iraci, Head of Financial Risk Management at TD Ameritrade, discusses emerging risks and the impact they have on your business.

RMA’s Young Professionals Audio Conference: The Intrapreneurial Way explores the role of the intrapreneur, employees who use entrepreneurial mindsets to uncover creative and profitable ways to solve problems and improve their industries for their employers. Now available as a one-hour podcast, listen as we discuss the qualities of the intrapreneur, how to leverage them to fast track your career, and how to navigate potential challenges intrapreneurs face when corporate culture isn’t supportive.

Mo Ramani, Executive Vice President, Enterprise Risk Services, SunTrust Banks, discusses the importance of credit risk and its impact on strategy and long-term success.

Kathryn Peacock is a Relationship Manager with Partner Engineering and Science, Inc. Peacock shares with us the environmental revisions to the SBA policy.

Zach Englert is a Business Analyst with MST. Englert helps us understand CECL, how it will affect banking, and how it relates to you and your job.

Jay Jenkins, Senior Product Manager with nCino, talks about leadership opportunities for younger people through the adoption of technology.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the federal banking agencies’ statement from July 6 detailing rules and associated reporting requirements that are immediately affected by the enactment of the Economic Growth, Regulatory Relief, and Consumer Protection Act. The statement describes interim positions that the agencies will take before incorporating these changes into their formal regulations.

Derek Ezovski is President and CEO of ORMS. Ezovski discusses how you can help your borrower through the environmental risk management process.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses how the regulatory agencies will implement the provisions of the Economic Growth, Regulatory Relief, and Consumer Protection Act.

Bill Phelan, President and CEO of PayNet, discusses how technology can help to streamline banks.

Joseph Iraci, Head of Financial Risk Management at TD Ameritrade, discusses how decision making could be affected by cognitive biases and emotions.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the signing of the Economic Growth, Regulatory Relief, and Consumer Protection Act, which makes certain amendments to the Dodd-Frank Act and other modifications to post-crisis regulatory requirements.

Ryan Kelley, Commercial Appraisal Specialist, State Bank of Cross Plains, discusses the concept of leveraging data to enhance returns from the commercial real estate appraisal process.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the U.S. Treasury Department’s findings and recommendations for modernization of the Community Reinvestment Act framework.

Michael Stara, President, East Coast Consulting Group, discusses extending credit to high-worth individuals.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the vote by the U.S. Senate to overturn the CFPB’s 2013 guidance, “Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act.”

John Cassis, CRC, an independent consultant and retired banker, discusses capital expenditures (CapEx) in cash flow analysis. The article to which Cassis is referring can be found in the April 2018 edition of The RMA Journal.

RMA Board Member Spyro Karetsos, Chief Risk Officer, TD Ameritrade; Jeremy Zierler, SVP and Head of Risk Strategy, SunTrust Banks; and Andréa D’Amore, SVP and Strategic Risk Manager, SunTrust Banks, discuss the components that make up an effective risk appetite framework.

Joseph Iraci, Head of Financial Risk Management at TD Ameritrade, discusses building and sustaining a high-performance culture.

Steven Minsky, CEO, Logic Manager, provides an overview of his session at RMA’s upcoming Governance, Compliance, and Operational Risk Conference to be held April 18-19, 2018. He will discuss what he calls the “see-through economy,” an age of transparency where customers and investors are empowered to fill the gap left between what regulatory oversight has not kept up with, and where new technologies and social media has filled in the gap. To register, or learn more about GCOR, please visit: http://landing.rmahq.org/gcorxii

In the second installment of a two-part podcast series, Linda Tuck Chapman, President, Ontala Performance Solutions, emphasizes the importance of aligning your third-party risk management framework with your operational and enterprise risk management frameworks.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the CFPB’s four requests for information.

Linda Tuck Chapman, President, Ontala Performance Solutions, provides an overview of her keynote address at RMA’s upcoming Governance, Compliance, and Operational Risk Conference to be held April 18-19, 2018. She will discuss the overall value proposition and scope of an effective third-party risk management program. Learn more about GCOR at http://landing.rmahq.org/gcorxii

In the first installment of a two-part podcast series, Linda Tuck Chapman, President, Ontala Performance Solutions, emphasizes that effective third-party risk management can only be achieved when there is a risk-centric “tone at the top.”

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the CFPB’s series of requests for information.

RMA Board Member Paul Parker, Vice Chairman & Chief Risk Officer, U.S. Bancorp, shares his testimonial of The RMA Journal and why it is the go-to publication for risk managers in the banking industry.

Larry Salvati, Operational Risk Manager, Wells Fargo, provides an overview of his upcoming session on vendor oversight and monitoring of third-party risk management at RMA’s upcoming Governance, Compliance, and Operational Risk Conference to be held April 18-19, 2018. Please visit www.rmahq.org/GCORXII for more information or to register.

Joseph Iraci, Head of Financial Risk Management at TD Ameritrade, discusses liquidity and capital management and how each plays a critical role in ensuring firm solvency.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses CFPB Acting Director Mick Mulvaney’s internal memo to all CFPB staff setting forth his intended governing philosophy as it will apply to the mission and practices of the agency.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the CFPB’s request for information regarding the CFPB’s civil investigative demands.

RMA Board Member Sarah Cowan, Senior Vice President, National Bank of Middlebury, shares her testimonial of The RMA Journal, its impact on her career and the industry in general.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Fed’s proposed guidance on supervisory expectations related to risk management for large financial institutions.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the CFPB’s Payday Rule and Call for Evidence.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the policy goals stated by OCC Comptroller of the Currency Joseph Otting.

Taylor Palmer, Madeline Hurley, and Anya Cohen of IBISWorld discuss the dynamics of a changing retail sector.

Mark Zandi, Chief Economist, Moody’s Analytics, discusses the current and future state of the U.S. economy as we head into the new year.

In a recent speech given by FDIC Vice Chairman Thomas Hoenig, Hoenig discussed his concerns regarding U.S. trend and bank consolidation, its effect on the economy, and the current regulations affecting this trend.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses FDIC Chairman Martin Gruenberg’s speech on how the public and private sectors underestimated the risks that the financial industry was facing leading up to the financial crisis.

RMA Board Member Thomas Freeman, Corporate Executive Vice President and Efficiency and Strategic Partnerships Executive, SunTrust Banks, shares his testimonial of The RMA Journal, its impact on his career, and articles that have assisted him in his career.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the FFIEC’s guidelines used to assess the accuracy of the Home Mortgage Disclosure Act data that institutions record and report.

Scott Ramsey, Managing Principal, Cybersecurity and Resiliency Services Practice, Capco, highlights the key points that will be discussed in a session on banks’ cybersecurity and resiliency at RMA’s Annual Risk Management Conference to be held November 12-14 in Boston, Mass.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the CFPB’s principles for protecting consumers when they authorize third-party companies to access their financial data.

Stephany Head, Ph.D., President of OpRisk Associates, provides an overview of RMA’s upcoming operational risk audio conference, “Establishing a Risk Framework for Cybersecurity,” to be held on December 19 at 1pm. To register for this audio conference, please contact Sylwia Czajkowska at [email protected] or 215-446-4071. For more information about this audio conference, please visit: https://www.rmahq.org/MeetingDetail.aspx?productId=547751902

RMA Vice Chair Edward Schreiber, chief risk officer, Zions Bancorporation, shares his testimonial of The RMA Journal, its impact on his career, and articles that have assisted him in his career.

Jason Alpert, CRC, Vice President at Wells Fargo in Tampa, Florida, discusses the importance of representing your institution as a responsible, corporate citizen, and one of the most beneficial ways to accomplish this goal is to become a partner with the various nonprofit organizations in your community.

Bernie Mason, RMA’s Regulatory Affairs Liaison, provides an overview of two articles published in October's RMA Journal: “Community Bank Liquidity Risk: Trends and Observations from Recent Examinations,” and “The Bank Secrecy Act: A Supervisory Update.”

RMA Board Member Spyro Karetsos, Executive Vice President and Head of Enterprise Risk Services, SunTrust Bank, shares his testimonial of The RMA Journal, its impact on his career and the industry in general.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the recent Equifax breach affecting more than 143 million U.S. consumers.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the federal banking agencies’ FAQs on CECL to assist banks and examiners.

In an interview with Paul Guinan, Manager of Market Risk and Securities Lending at RMA, James Clarke, Principal of Clarke Consulting, discusses credit risk with regard to the current business cycle, commercial real estate, construction lending, and auto lending.

Stephany Head, Ph.D., President of OpRisk Associates, provides an overview of RMA’s upcoming operational risk audio conference, “Setting Cyber Security Policy,” to be held on September 19 at 1 pm. To register for this audio conference, please contact Sylwia Czajkowska at [email protected] or 215-446-4071.

In an interview with Paul Guinan, Manager of Market Risk and Securities Lending at RMA, James Clarke, Principal of Clarke Consulting, discusses regulators’ concerns regarding liquidity risk; short-term interest rates; Fed rates for the next 6-12 months; and managing liquidity risk with wholesale solutions versus retail deposits.

In an interview with Paul Guinan, manager of market risk and securities lending at RMA, James Clarke, principal of Clarke Consulting, discusses regulators’ concerns with balance sheet management and interest rate risk; concerns for ALCO groups; the relationship between liquidity risk and interest rate risk and their impact on community banks; backtesting and modeling; and stress testing.

Joseph Iraci, Head of Financial Risk Management, TD Ameritrade, discusses reputation risk and ways financial institutions can monitor and manage it.

RMA Vice Chair Robert Messer, senior executive vice president and chief financial officer, The American National Bank of Texas, shares his testimonial of The RMA Journal, its impact on his career and the industry in general.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the federal banking agencies’ guidance highlighting the actions that banks should take to prepare for the change in the Securities and Exchange Commission’s rule governing the securities settlement cycle.

Dev Strischek, Retired Senior Vice President and Senior Credit Policy Officer, SunTrust Banks, provides tips on how to identify if a policy needs to be rolled over, repaired, or replaced.

John Cassis, CRC, a retired banker of 24 years, discusses the importance of remaining credible, a quality that may not only be used within an organization, but also with your customers and in any other areas of life.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Consumer Financial Protection Bureau’s extension of the comment period on its request for information regarding the small business lending market.

Branan Cooper, Chief Risk Officer, Venminder, discusses the due diligence process of an effective third-party risk management program.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the advisory issued by the federal banking agencies to address concerns over the limited availability of state-certified and licensed appraisers, particularly appraisers located in rural areas.

Joseph Breeden, Founder and CEO, Prescient Models, discusses how existing models can converge or be modified to adapt and fill different needs, specifically regarding Basel II for capital reserves, CCAR/DFAST programs for stress testing, and IFRS9 and CECL for ALLL.

Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the federal agencies’ Appraiser Waiver Advisory that highlights two options to help ensure depository institutions and bank holding companies facilitate the timely consideration of loan applications.

Thomas Nida, Regional Executive, John Marshall Bank, discusses property-assessed clean energy (PACE) lending, which refers to programs that use voluntary special tax assessments to fund the cost of clean energy, specifically for commercial properties.

Bernard Mason, RMA’s Regulatory Relations Liaison, discusses the OCC’s new “Retail Lending” booklet of the Comptroller’s Handbook, the FDIC’s new guide to help community bankers learn more about the programs and products offered by the Federal Home Loan Banks to facilitate mortgage lending, and the CFPB’s proposed changes to the Home Mortgage Disclosure Act rule.

Bernard Mason, RMA’s Regulatory Relations Liaison, discusses the CFPB’s recent Spring 2017 Supervisory Highlights report, which revealed that some student loan and mortgage servicers are violating the law by failing to provide struggling borrowers with legal protections.

The July-August issue of The RMA Journal will feature an interview with RMA Director of Market Risk and Securities Lending Fran Garritt on the very important and timely topic of intraday liquidity risk management.

Joseph Iraci, Head of Financial Risk Management, TD Ameritrade, discusses how risk management has evolved and its growing alignment with data science.

Joseph Iraci, Head of Financial Risk Management, TD Ameritrade, discusses ways to measure corporate culture.

Linda Tuck Chapman, President, Ontala Performance Solutions, discusses the process for building a better third-party risk management program.

Madeline Hurley, Lead Industry Analyst, IBISWorld, Dmitry Diment, Senior Research Analyst, IBISWorld, and Kelsey O’Hollaren, Lead Industry Analyst, IBISWorld, discuss the recent developments in U.S. corporate tax reform.

Nidhi Verma, Senior Director of Research and Consulting, TransUnion, discusses the impact of longer terms in the auto finance market.

Jason Alpert, Vice President and Loan Adjustment Manager, Credit Management Group, Wells Fargo Bank, discusses ways a vigilant lender can be on the lookout for the common personality traits that often result in borrower defaults—referred to here as the seven deadly sins of small businesses.

Hugh Connelly, President of Univest Capital, discusses small business automation for loan documentation, loan processing, and loan booking needs.

John Closs, Executive Vice President of Technical Sales, MainStreet Technologies, discusses the steps to CECL implementation and the CECL Transition Calculator.

Linda Tuck Chapman, president, Ontala Performance Solutions, discusses vendor and non-vendor components of third-party risk management.

Linda Tuck Chapman, President, Ontala Performance Solutions, discusses the process for building a better third-party risk management program.

Joseph Ganzelli, Sr., a director in KPMG’s Operations Risk Service Network, discusses how financial institutions can meet the objectives of BCBS 239 relating to the accuracy and integrity of risk data to address data validation at the earliest stages in the loan process.

Arindam Majumdar, senior enterprise risk program manager at Bank of the Ozarks, and Jim Lentino, director of corporate risk management at Discover Financial Services, discuss the importance of risk identification frameworks.

Ed Blount, senior research fellow at Fordham University, and executive director of the Center for the Study of Financial Market Evolution in Washington, D.C., describes how data-based studies have been used to change the negative views of financial markets held by some bank customers and regulators.

Bob Kilpatrick and Nancy Wilburn, accounting professors in the W.A. Franke College of Business at Northern Arizona University, discuss the changes to lessee accounting rules, which have impacted lessee financial statements and key financial ratios.

Joseph Iraci, head of financial risk management at TD Ameritrade, discusses establishing an overall risk appetite framework that aligns with business strategy.