c. myblog

March 18, 2016

Don’t Let Poor Project Management Set Your Go-Live Dates

Three. The typical number of bottlenecks when it comes to credit union project management: IT, Marketing, Compliance. These three departments are tasked with to-do lists for many projects within the credit union – on top of their own projects and priorities. A huge concern is if go-live dates are set on a case-by-case basis, instead […]

March 10, 2016

A/LM Education and Anticipating What is Top of Mind

We are looking forward to hosting 3 days of asset/liability management (A/LM) education next week. Often our education classes will have a similar foundation of how to use A/LM to make decisions, how to identify what environmental factors to watch, and how to see potential problems that might be hiding in the modeling—to name a […]

March 3, 2016

c. notes – Aggregating Risks to Inform Strategy

To remain successful as the world changes and becomes more complex, risk management processes must keep pace. Risk management begins with identifying and quantifying strategic risks. An effective process also recognizes that it is not adequate to only quantify and understand risks in silos. Risks should also be quantified and understood in aggregate. As history […]

February 25, 2016

Are Your Predictions Limiting Your Strategic Thinking?

I think there is a world market for maybe five computers. — IBM president Thomas Watson, 1943. Apple is already dead. — Nathan Myhrvold, former CTO of Microsoft, 1997. Neither RedBox nor Netflix are even on the radar screen in terms of competition. It’s more Wal-Mart and Apple. — Blockbuster CEO Jim Keyes, 2008. These […]

February 18, 2016

OBSERVATIONS FROM ALM MODEL VALIDATIONS: DO DECAY RATES MATTER?

Yes. Decay rates do matter, but they are often not appropriately applied in the asset/liability management (ALM) process. Decay rates are essential for capturing the risk of evolving member behavior, namely deposit migration, as rates change. This blog will focus on using decay rates when simulating net economic value (NEV). Model validations typically reveal two […]

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