Next Level Risk-Based Pricing is Coming: Beyond Decisioning and Pricing is Outcome Analysis

When economic times are good and funds are relatively easy to lend without meaningful short-term risk, most financial institutions find themselves in strong positions from a credit risk and earnings perspective. Yet, the tough lessons of lending and risk over the past 30 years have taught us many times over that economic cycles repeat. It’s [...]

By |2019-05-16T21:50:21+00:00November 7th, 2018|Blog, Compliance Tips|0 Comments

Figuring Out What to Say and How to Say It to the Board of Directors is Like Balancing on a Bicycle

"Life is like riding a bicycle. To keep your balance, you must keep moving." -Albert Einstein Successfully riding a bike to get where you want to go requires patience, knowledge, and experience. Determining what to say to your board of directors is like learning how to balance on a bicycle. The “what to say” is [...]

By |2019-05-16T22:07:24+00:00February 5th, 2018|Blog, Compliance Tips|0 Comments

The Secret BSA/AML Weapons of Smaller Financial Institutions (Part 1)

The ever-increasing importance of a robust BSA/AML monitoring system has become more than clear in recent years. However, an all-encompassing monitoring system often feels beyond the reach of the smaller financial institution. Resources are finite, and some institutions are left floundering when attempting to cover all their bases. What must your small financial institution do to [...]

On AML Rule Arrays, Fire Pit Pagodas and Other Things You Don’t Want to Build “Off the Cuff”

Originally published on In case you're wondering what a fire pit pagoda looks like... Have you ever built something from scratch? I mean no plans, nothing—just pulled an idea out of the air and went for it? I have, and let me tell you, it takes an amazing amount of time and [...]

By |2014-12-07T21:43:51+00:00December 7th, 2014|Blog, Compliance Tips|0 Comments