Risk Management Services

DCG is a practitioner of Asset Liability Management (ALM).  This experience defines our unique services.

DCG’s genesis was as an asset liability management (ALM) software developer, yet early on our founders realized that banks and credit unions needed a partner to help navigate the ever-changing ALCO landscape. Today, DCG is the industry leader in TOTAL balance sheet management: interest rate risk modeling & reporting, validation, analyses, education, regulatory support and strategic development.

Those critical factors are at the foundation of every one of the risk management services we offer. For nearly 40 years, DCG has been at the forefront of the evolution of ALM—developing new ideas and new technologies all while remaining a trusted, independent advisor to our clients.

Our primary service is our Balance Sheet Consulting service that is provided on a quarterly basis to our clients all throughout the country, yet access to our team of experts is unencumbered. Our staff is frequently asked to speak, write and meet with regulators, so we remain with our fingers on the pulse of the banking industry.

As the industry has continued to evolve, so has DCG’s products and services. Our Balance Sheet Consulting service is joined with an array of state-of-the-art online tools and analytics including Liquidity360°®, DCG’s liquidity risk modeling and management tool, Deposits360°® our deposit study and customer analytics platform, and Prepayments360°™, DCG’s loan prepayment and analytics tool. In addition, DCG provides capital planning and credit stress testing services, and comprehensive model risk and model validation services.

Regardless of what your ALM needs are, DCG has the right solution for your institution. Our focus in all of our risk management services is helping you get the most out of your process. You cannot do that with a standardized approach to managing the balance sheet. DCG takes the time to understand your needs, your vision and your goals. Our greatest asset is our people—call us to learn more about how we can work together to exceed those goals!

ALM Consulting

The industry’s most complete ALM solution gives you the information, tools and expert resources needed for your institution to succeed.

Model Validation

In addition to being a leading provider of ALM and liquidity model validations that are structured to drive confident strategic decision-making at ALCO, DCG provides expert validations for all financial and operational risk models with particular expertise in CECL, credit default and stress testing, product pricing, FTP/profitability, and BSA/AML models.

Model Risk Management

DCG is the premier resource for institutions (both large and small) looking to develop, assess or strengthen their model risk management (MRM) programs. DCG’s seasoned team of MRM professionals provide consulting, gap analyses, performance reviews, training, and outsourced model validations.

Deposits360°®

Deposits360° supports institution-specific assumptions that satisfy regulatory requirements in a next generation tool for deposit analysis that provides strategic insight for senior management to manage your non-maturity deposit base in any business environment.

Prepayments360°™

Prepayments360º is an interactive web-based tool that supports institution-specific prepayment assumptions while providing a strategic advantage for senior lenders.

Liquidity360°®

Liquidity360º is a complete and interactive set of online tools for liquidity risk management monitoring, forecasting, contingency planning and reporting.

Liquidity Reviews

DCG’s Liquidity Risk Review service provides your institution with the most thorough evaluation of your liquidity measurement and management process.

Capital Planning

DCG’s capital planning services are designed to help your institution assess earnings and capital over a longer horizon, assess the impact of institution-specific stress events, quantify the impact of potential relief strategies, and document it all in a comprehensive executable capital plan.

Credit Stress-Testing Solution

Using the same level of quantitative rigor used by larger institutions for credit stress testing (formerly DFAST), DCG’s credit stress-testing solution provides community banks and credit unions with a way to quantitatively assess the impact adverse and severely adverse economic conditions can have on credit losses and capital.

Do you need outsourcing advice, validation of your internal process, or specialty analyses? Whatever your ALM needs, DCG has the solution!