All posts 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...
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...
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...
By: Wendy Greenawalt Given the current volatile market conditions and rising unemployment rates, no industry is immune from delinquent accounts. However, recent reports have...
By: Heather Grover In my previous entry, I covered how fraud prevention affected the operational side of new DDA account opening. To give a...
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....
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...
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...
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...
By: Kari Michel Lenders are looking for ways to improve their collections strategy as they continue to deal with unprecedented consumer debt, significant increases...
By: Wendy Greenawalt In my last blog on optimization we discussed how optimized strategies can improve collection strategies. In this blog, I would like...
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...
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...
By: Kari Michel The U.S. government and mortgage lenders have developed various loan modification programs to help homeowners better manage their mortgage debt so that...
By: Kennis Wong It’s true that intent is difficult to prove. It’s also true that financial situations change. That’s why financial institutions have not,...