Our goal is to help community banks manage risk.

Our Services

  • Asset and Liability Management
  • ALM Reviews
  • Liquidity Reviews
  • Model Validations

Risk Management Services for Community Banks

Asset & Liability Management

Over 45 years of combined experience in working with banks on finance, treasury, and ALCO related topics:

  • Leading Board and management level ALCO meetings
  • Development and processing of instrument level models
  • Compiling Monthly/Quarterly ALCO presentations
  • Board and Management level ALCO meetings
  • Bank Treasurer, budgeting and capital markets experience

ALM Reviews

In compliance with regulatory guidance, we perform an independent review of the ALM data, assumptions, calculations, scenarios, measurements and reporting. Our project scope covers:

  • Model Development, Implementation, and Use
  • Model validation
  • Governance, Policies, and Controls

In performing our ALM reviews, we utilize an independent testing model to make comparisons to clients estimates.

Liquidity Reviews

We review and assess the bank’s Liquidity Risk Management Process (“LMPs”) based primarily on the guidelines established in the Interagency Guidance on Funding and Liquidity Risk (“Interagency Guidance”) issued in March 2010. In compliance with the Interagency Guidance, the review will provide an independent review of the adequacy of the bank’s LMP’s to appropriately identify, measure, monitor, and control its funding and liquidity risk.
  • This review focuses on the primary tools for measuring and managing liquidity risk.

Model Validations

Following the regulatory guidance on model validations, we assess the 3 primary components bank models:

  • Information input
  • Processing component
  • Reporting component

We’ve performed model validations for ALM models, ALLL models, capital models, strategic plan models, and others.