News & Events


Fed to Wells: Can You Hear Me Now?

Posted February 20, 2018 by Michael M. Moran in From the Experts.

I had anticipated that this month I would simply script a quick overview of the recently released CCAR/DFAST severely adverse economic scenario dynamics. And much like last year (“Do the 2017 CCAR Scenarios Signal Regulatory Focus?”, 2/16/2017), opine on any potential hidden (or overt) messages being sent by the regulators in terms of risk management in the banking industry. In that regard, once again the industry’s largest banks will address a harsh, albeit hypothetical, economic environment - worldwide recession, double-digit unemployment, housing prices off 30% and equity values declining 65%, commercial real estate values cratering, GDP nosedives, etc. - that will gauge both resiliency and resolve for a U.S. banking industry that has grown stronger coming out of the crisis.

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February 19, 2018

Posted in Austin Advisor.

Inflation data released last week confirmed the markets view of rising risk

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February 12, 2018

Posted in Austin Advisor.

Equity markets are not reflecting the fundamentals while bond markets are.

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Just Another Risk Assessment, or is it a Critical Risk Assessment?

Posted February 8, 2018 by Darla J. Brogan in From the Experts.

Risk assessments are a valuable tool, if used to truly understand the threat environment associated with specific product lines. A good example of a meaningful risk assessment would be a “Corporate Account Takeover Risk Assessment” which, if performed properly, is used to determine the probability of a Corporate Account Takeover (CATO). If the risk is low or nonexistent, then a CATO program would not be necessary. However, the risk is high if a bank offers any of the following products through the electronic banking or cash management system for either commercial or retail customers:

-Wire transfer requests;

-ACH origination requests; or

-External account transfers.

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February 5, 2018

Posted in Austin Advisor.

Financial market volatility can have a short-term impact, but the economic growth rate is improving

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