All posts by Guest Contributor

By: Tom Hannagan Apparently my last post on the role of risk management in the pricing of deposit services hit some nerve ends. That’s...

Published: January 20, 2010 by Guest Contributor

By: Ken Pruett The use of Knowledge Based Authentication (KBA) or out of wallet questions continues to grow. For many companies, this solution is...

Published: January 18, 2010 by Guest Contributor

By: Amanda Roth The reality of risk-based pricing is that there is not one “end all be all” way of determining what pricing should...

Published: January 18, 2010 by Guest Contributor

By: Tom Hannagan This blog has often discussed many aspects of risk-adjusted pricing for loans. Loans, with their inherent credit risk, certainly deserve a...

Published: January 12, 2010 by Guest Contributor

By: Wendy Greenawalt Given the current volatile market conditions and rising unemployment rates, no industry is immune from delinquent accounts. However, recent reports have...

Published: January 7, 2010 by Guest Contributor

By: Heather Grover In my previous entry, I covered how fraud prevention affected the operational side of new DDA account opening. To give a...

Published: January 4, 2010 by Guest Contributor

By: Heather Grover In past client and industry talks, I’ve discussed the increasing importance of retail branches to the growth strategy of the bank....

Published: December 30, 2009 by Guest Contributor

By: Amanda Roth The final level of validation for your risk-based pricing program is to validate for profitability.  Not only will this analysis build...

Published: December 28, 2009 by Guest Contributor

By: Amanda Roth To refine your risk-based pricing another level, it is important to analyze where your tiers are set and determine if they...

Published: December 18, 2009 by Guest Contributor

By: Amanda Roth As discussed earlier, the validation of a risk based-pricing program can mean several different things. Let’s break these options down. The first...

Published: December 18, 2009 by Guest Contributor

By: Kari Michel   Lenders are looking for ways to improve their collections strategy as they continue to deal with unprecedented consumer debt, significant increases...

Published: December 17, 2009 by Guest Contributor

By: Amanda Roth During the past few months, we have been hearing from our clients that there is a renewed focus from the regulators/examiners...

Published: December 8, 2009 by Guest Contributor

By: Wendy Greenawalt In my last blog on optimization we discussed how optimized strategies can improve collection strategies. In this blog, I would like...

Published: December 7, 2009 by Guest Contributor

By: Wendy Greenawalt Optimization has become a “buzz word” in the financial services marketplace, but some organizations still fail to realize all the possible business...

Published: November 30, 2009 by Guest Contributor

By: Tom Hannagan Understanding RORAC and RAROC I was hoping someone would ask about these risk management terms…and someone did. The obvious answer is...

Published: November 19, 2009 by Guest Contributor