About Kara Stewart

Website: http://www.experian.com/redefined

Profile: Senior Marketing Communication Specialist, CIS Corporate Experian

Posts by Kara Stewart

[Webinar] Meeting the model risk governance expectations of regulators

Posted on Feb 11 2014 by

Financial institutions of all sizes increasingly rely on quantitative analytics and modeling for a wide array of financial decision making, including, but not limited to, the underwriting of loans; measuring risk, including enterprise-wide risk measurement; and determining capital and reserve adequacy.


[White Paper] 2014 Forecast for the Data Breach Industry

Posted on Feb 11 2014 by

Looking ahead, all signs point to 2014 being a critical year for companies to become better prepared and have the swift ability to respond to data breaches. To accomplish this goal, it is imperative that companies understand the evolving data breach environment. Based on our experience, there are six key predictions companies should monitor in 2014.


How to Drill Down Deeper Into Your Portfolios

Posted on May 01 2012 by

To offset economic pressures and generate returns required to drive greater earnings, which will fuel future loan growth, portfolio managers are aggressively expanding their policies and practices to drill more deeply and frequently into their portfolios by identifying those members where relationships can be expanded and conversely identify those which are accelerating debt and stress.

To do that, a growing number of lenders are finding that it pays to look not only at a score or snapshot of a consumer profile, but take into consideration the magnitude and direction of change as well as frequency of review on all obligations and beyond the obligations they manage.


Marketing Intelligence Shows Consumer Retail Spending is Trending Upward

Posted on Apr 30 2012 by

Jim Rohn once said, “Your life does not get better by chance, it gets better by change.”

According to recent market intelligence, retail spend continues to trend up, translating into increased balance growth on new bankcard and retail card originations.

Retail spend continues to trend up from a year ago driven by continued demand for autos in addition to growth in clothing store and restaurant sales. Translating into increased balance growth on new bankcard and retail card originations, particularly seen in the super prime and prime consumer risk segments, where balance growth and origination volumes had been down a year ago given relatively cautious sentiment. This is an encouraging sign in consumer confidence given the overall economic trends in unemployment and downward pressure on home prices.


New Rule Proposed by the CFPB

Posted on Apr 17 2012 by

Since President Obama used a recess “appointment” to name former Ohio attorney general Richard Cordray as the first director of the Consumer Financial Protection Bureau (CFPB) in January, the new director and the bureau have hit the ground running.

In February, the CFPB released a proposed rule that defined third-party debt collectors with more than $10 million in annual receipts and consumer reporting agencies with more than $7 million in receipts as “larger market participants.” This is the first of many proposed rules that will define the larger market participants that will be susceptible to the bureau’s nonbank supervision program.