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Registration is now open for our 40th Annual Conference! 

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Balance Sheet & Model Risk Management

June 10-11, 2024  |  Boston, MA

CONFERENCE

Early registration discount until April 7

Coundown Text

Early registration discount until April 7

|

Registration

4:00 PM - 8:00 PM

Opening Reception

Meet in the Harbor View Ballroom to connect with fellow conference guests, speakers, and the DCG team enjoying views of the Boston Harbor.

5:00 PM - 8:00 PM

Sunday, June 4

Investment Opportunities & Pitfalls in the Current Rate Environment

Navigating through one of the most tumultuous interest rate environments many of us have worked through has made investment selection a very sensitive topic for most financial institutions. In this session, you will learn how to take a refreshingly simple and disciplined approach to dealing with this kind of market and the asset selection process. Larry will explore some of the most reliable and suitable investment options and strategies that financial institutions have relied upon for many years from both an income and interest rate risk perspective, while taking a cursory look at many of the traps and mistakes that take place on a regular basis in the investment markets.

Speaker:

  • Lawrence E. Miele, Managing Director, Wells Fargo Advisors

Monday

9:00 AM - 10:00 AM

What Comes Next in “This” Recession? Lessons in Credit and Risk Management

What if the Fed executes a perfect soft landing? What if there is a hard landing? What if there is a crash landing? The reality is that no banker or risk manager knows what will happen next, but there is a consensus in the industry that the probability of a recession is elevated. If we had perfect information would our institution weather the storm differently? The first step is understanding the potential range of outcomes and what that means for our balance sheet and risk management process. In this discussion, Justin and John will address changing credit and risk levels, and strategies to stay ahead of uncertain market dynamics.

Speakers:

  • Justin Bakst, Managing Director, Darling Consulting Group

  • John Demeritt, Managing Director, Darling Consulting Group

Monday

9:00 AM - 10:00 AM

Maintaining Your CECL Model

Many institutions invested heavily in developing and implementing a new, compliant reserve methodology. These new models are more complex than their predecessors, not only having more quantitative calculations and assumptions, but also requiring more education and oversight by management. But now that the day one adjustment has passed, shrewd management teams are evaluating ways to further leverage their investment and ensure that the model remains functional and compliant. In this session, DCG Managing Director Mike Guglielmo and Quantitative Consultant Chase Ogden will provide strategies and perspectives for maintaining CECL models, from cross-functional applications across risk management to tried-and-true methods for fostering effective and efficient model governance.

Speakers:

  • Mike Guglielmo, Managing Director, Darling Consulting Group

  • Chase Ogden, Quantitative Consultant, Darling Consulting Group

Monday

9:00 AM - 10:00 AM

Managing Interest Rate Risk with Derivatives: Timely Case Studies

Using a series of timely case studies, this session will provide education and commentary on the strategies being used by financial institutions to manage interest rate risk using derivatives. Recent market volatility has increased the necessity of incorporating all the tools available to ALCO to maintain competitive in this challenging environment. Derivative strategies can be used to help meet customer needs and generate fee income as well as lower funding costs, adjust asset duration, and manage earnings at risk. Dave and Todd will talk about some common hedging strategies used on both sides of the balance sheet with real-world case studies.

Speakers:

  • Todd Cuppia, Managing Director, Chatham Financial

  • Dave Sweeney, Managing Director, Chatham Financial

Monday

10:15 AM - 11:15 AM

Lending in a Sea of Uncertainty: Principles for Today and Every Day

Volatility in the interest rates and economic activity continues to muddy the proverbial lending waters as it relates to appropriately pricing, structuring, and managing risks. The most effective ALCOs are creating clarity amidst the wake of challenges pervading this environment. Matt and Zach will dive into timeless lending principles to help your institution successfully navigate the sea changes that may await and prosper no matter the conditions.

Speakers:

  • Matt Pieniazek, President, Darling Consulting Group

  • Zach Zoia, Managing Director, Darling Consulting Group

Monday

10:15 AM - 11:15 AM

Balance Sheet Management Strategies to Consider and Avoid while Riding this Rollercoaster of an Environment

Many institutions entered 2022 with notable concerns for margin and earnings pressures resulting from a protracted low rate environment. Fortunately, rates abruptly backed up as the Fed aggressively raised rates faster and to a greater degree than witnessed in many decades helping the banking industry to reach all-time highs for net interest income! As 2023 unfolds however, institutions are presented with a whole new set of challenges and uncertainties that could quickly reverse the positive trends of 2022 quickly, chief among these variables is higher funding costs and “the catch up” on deposit rates paid, an inverted yield curve driving loan and reinvestment yields lower, continued uncertainty surrounding credit quality and the potential for a recession and possible hard landing, and more.

This session led by Frank and Steve will offer strategies to help navigate through this period of considerable uncertainty and volatility. 2023 is poised to present the banking industry with one of its most uncertain and potentially challenging environments of this 21st century. It will place a very real premium on ensuring that clarity drives decision-making…and not “fear.” Strategies will include lending, investments, deposits, role of wholesale, derivatives (hedging and role in driving loan growth), and much more.

Creating the right perspective and enabling the right conversation at ALCO, has never been more critical. Buckle up!

Speakers:

  • Frank Farone, Managing Director, Darling Consulting Group

  • Steve Boselli, Managing Director, Darling Consulting Group


Monday

10:15 AM - 11:15 AM

We Can Predict That? Deposit Strategy Using Advanced Analytics

Predictions are difficult, but that doesn’t mean that forecasts aren’t extremely valuable for managing your institution’s risk profile and evaluating strategic alternatives. A forecast provides a starting point in an otherwise opaque area and very few balance sheet management topics are more ambiguous than the future of deposit behaviors given the current tightening cycle. In this session, Justin and Jon will make advanced analytics actionable, accessible, and relevant to executives with a focus on deposit behaviors and discuss strategies to utilize a range of outcomes to make better pricing decisions.

Speakers:

  • Justin Bakst, Managing Director, Darling Consulting Group

  • Jonathan Weiner, Director - Data Science, Darling Consulting Group

Monday

1:30 PM - 2:30 PM

Commercial Real Estate Update: Where Are We Now, and Where Are We Going?

Commercial real estate fundamentals and property valuations continue to be a key strategic issue for senior leadership. Transaction volume has slowed significantly while Regulators sound the alarms, but it’s not all bad news in this sector. Join Aaron Jodka, Director of Research, U.S. Capital Markets at Colliers, as he discusses opportunities and risks in commercial real estate. Aaron will dive into the current outlook across the major asset classes including Multi-family, Retail, Office and Industrial and explore capital markets trends and drivers.

Speaker: 

  • Aaron Jodka, Research Director - US Capital Markets, Colliers

Monday

1:30 PM - 2:30 PM

Banking-as-a-Service: Understanding the Challenges & Opportunity

Banking-as-a-Service (BaaS) is a novel model by which a chartered institution provides the regulatory umbrella necessary for a non-chartered company to offer financial services. It’s garnered a ton of attention over the last few years as fintech companies emerged in need of bank partners to provide licensing for their services. And, for a long time, BaaS seemed like an easy win. But there is no such thing, and now, as the market evolves, a number of critical pressures are threatening to undermine the BaaS model and challenging banks to get more focused on where the real opportunities lie. Elena will cut through the chatter to provide a foundational understanding of this market, how it is now changing, and what banks need to do to capitalize on the possibilities of BaaS both safely and lucratively.

Speaker: 

  • Elena Pierce, Managing Director and Chief Business Development Officer, CCG Catalyst

Monday

1:30 PM - 2:30 PM

Deposit Strategies in a Historically Competitive Environment

It is no surprise that managing deposit sensitivity is dominating strategic discussions, particularly as many institutions are facing tightening liquidity positions. The Fed has triggered a shocked rising rate environment in its effort to battle inflation. Short-term market rates skyrocketed, while Fed tapering continues to remove liquidity from the system. Competition is also intensifying as deposit costs climb at an incredible pace and the ability to retain, let alone grow deposits has become increasingly difficult.

This strategically focused deposit session will leverage data analytics from nearly 300 community financial institutions spanning decades. Critical areas of focus include insights on attrition trends (and ways to mitigate), ideas to optimize new deposit growth and minimize cannibalization, and non-maturity deposit growth and rate outlooks from our new forecasting model. The session, led by Joe and Billy, will also highlight live case studies from Deposits360°® to showcase successful strategies, opportunities to build campaign lists, hone in on key depositor segments, and how you can leverage your data into actionable insights.

Speakers:

  • Joe Kennerson, Managing Director, Darling Consulting Group

  • Billy Guthrie, Managing Director, Darling Consulting Group

Monday

2:45 PM - 3:45 PM

Liquidity and Wholesale Funding

Over the past year, we have seen short-term rates increase by over 400 basis points. Regulatory agencies have begun to reemphasize liquidity management in their exams. They have been concerned with trends of reductions in liquidity-eligible investment holdings, given today’s unrealized losses, along with strong loan growth within the balance sheet. In addition, another major trepidation is with the role of surge and core deposits/runoff and the use of wholesale funding in this rising rate environment. In this session, Keri and Ryan will speak to trends in liquidity exams and how best to defend your position as well as strategies to consider enhancing your profile in a profitable fashion.

Speakers:

  • Keri Crooks, Managing Director, Darling Consulting Group

  • Ryan Gilles, Senior Consultant, Darling Consulting Group

Monday

2:45 PM - 3:45 PM

Regulatory Hot Buttons and Ways to Mitigate Risk

John and Heather will discuss current regulatory priorities in compliance and safety and soundness. They will also describe how to mitigate risk associated with those priorities and stay ahead of regulatory hot buttons in exams and in transactions.

Speakers:

  • Heather Archer Eastep, Partner, Hunton Andrews Kurth

  • John Delionado, Partner, Hunton Andrews Kurth

Monday

2:45 PM - 3:45 PM

Managing Interest Rate Risk with Derivatives: Timely Case Studies

Using a series of timely case studies, this session will provide education and commentary on the strategies being used by financial institutions to manage interest rate risk using derivatives. Recent market volatility has increased the necessity of incorporating all the tools available to ALCO to maintain competitive in this challenging environment. Derivative strategies can be used to help meet customer needs and generate fee income as well as lower funding costs, adjust asset duration and manage earnings at risk. Dave and Todd will talk about some common hedging strategies used on both sides of the balance sheet with real-world case studies.

Speakers:

  • Todd Cuppia, Managing Director, Chatham Financial

  • Dave Sweeney, Managing Director, Chatham Financial

Tuesday

9:45 AM - 10:45 AM

Lending in a Sea of Uncertainty: Principles for Today and Every Day

Volatility in the interest rates and economic activity continues to muddy the proverbial lending waters as it relates to appropriately pricing, structuring, and managing risks. The most effective ALCOs are creating clarity amidst the wake of challenges pervading this environment. Matt and Zach will dive into timeless lending principles to help your institution successfully navigate the sea changes that may await and prosper no matter the conditions.

Speakers:

  • Matt Pieniazek, President, Darling Consulting Group

  • Zach Zoia, Managing Director, Darling Consulting Group

Tuesday

9:45 AM - 10:45 AM

Regulatory Hot Buttons and Ways to Mitigate Risk

John and Heather will discuss current regulatory priorities in compliance and safety and soundness. They will also describe how to mitigate risk associated with those priorities and stay ahead of regulatory hot buttons in exams and in transactions.

Speakers:

  • Heather Archer Eastep, Partner, Hunton Andrews Kurth

  • John Delionado, Partner, Hunton Andrews Kurth

Tuesday

9:45 AM - 10:45 AM

What Comes Next in “This” Recession? Lessons in Credit and Risk Management

What if the Fed executes a perfect soft landing? What if there is a hard landing? What if there is a crash landing? The reality is that no banker or risk manager knows what will happen next, but there is a consensus in the industry that the probability of a recession is elevated. If we had perfect information would our institution weather the storm differently? The first step is understanding the potential range of outcomes and what that means for our balance sheet and risk management process. In this discussion, Justin and John will address changing credit and risk levels, and strategies to stay ahead of uncertain market dynamics.

Speakers:

  • Justin Bakst, Managing Director, Darling Consulting Group

  • John Demeritt, Managing Director, Darling Consulting Group

Tuesday

11:00 AM - 12:00 PM

Deposit Strategies in a Historically Competitive Environment

It is no surprise that managing deposit sensitivity is dominating strategic discussions, particularly as many institutions are facing tightening liquidity positions. The Fed has triggered a shocked rising rate environment in its effort to battle inflation. Short-term market rates skyrocketed, while Fed tapering continues to remove liquidity from the system. Competition is also intensifying as deposit costs climb at an incredible pace and the ability to retain, let alone grow deposits has become increasingly difficult.

This strategically focused deposit session will leverage data analytics from nearly 300 community financial institutions spanning decades. Critical areas of focus include insights on attrition trends (and ways to mitigate), ideas to optimize new deposit growth and minimize cannibalization, and non-maturity deposit growth and rate outlooks from our new forecasting model. The session, led by Joe and Billy, will also highlight live case studies from Deposits360°® to showcase successful strategies, opportunities to build campaign lists, hone in on key depositor segments, and how you can leverage your data into actionable insights.

Speakers:

  • Joe Kennerson, Managing Director, Darling Consulting Group

  • Billy Guthrie, Managing Director, Darling Consulting Group

Tuesday

11:00 AM - 12:00 PM

Balance Sheet Management Strategies to Consider and Avoid While Riding This Rollercoaster of an Environment

Many institutions entered 2022 with notable concerns for margin and earnings pressures resulting from a protracted low rate environment.. Fortunately, rates abruptly backed up as the Fed aggressively raised rates faster and to a greater degree than witnessed in many decades helping the banking industry to reach all-time highs for net interest income! As 2023 unfolds however, institutions are presented with a whole new set of challenges and uncertainties that could quickly reverse the positive trends of 2022 quickly, chief among these variables is higher funding costs and “the catch up” on deposit rates paid , an inverted yield curve driving loan and reinvestment yields lower, continued uncertainty surrounding credit quality and the potential for a recession and possible hard landing, and more.

This session led by Frank and Steve will offer strategies to help navigate through this period of considerable uncertainty and volatility. 2023 is poised to present the banking industry with one of its most uncertain and potentially challenging environments of this 21st century. It will place a very real premium on ensuring that clarity drives decision-making…and not “fear.” Strategies will include lending, investments, deposits, role of wholesale, derivatives (hedging and role in driving loan growth), and much more.

Creating the right perspective and enabling the right conversation at ALCO, has never been more critical. Buckle up!

Speakers:

  • Frank Farone, Managing Director, Darling Consulting Group

  • Steve Boselli, Managing Director, Darling Consulting Group

Tuesday

11:00 AM - 12:00 PM

Investment Opportunities & Pitfalls in the Current Rate Environment

Navigating through one of the most tumultuous interest rate environments many of us have worked through has made investment selection a very sensitive topic for most financial institutions. In this session, you will learn how to take a refreshingly simple and disciplined approach to dealing with this kind of market and the asset selection process. Larry will explore some of the most reliable and suitable investment options and strategies that financial institutions have relied upon for many years from both an income and interest rate risk perspective, while taking a cursory look at many of the traps and mistakes that take place on a regular basis in the investment markets.

Speaker: 

  • Lawrence E. Miele, Managing Director, Wells Fargo Advisors

Tuesday

1:00 PM - 2:00 PM

Liquidity and Wholesale Funding

Over the past year, we have seen short-term rates increase by over 400 basis points. Regulatory agencies have begun to reemphasize liquidity management in their exams. They have been concerned with trends of reductions in liquidity-eligible investment holdings, given today’s unrealized losses, along with strong loan growth within the balance sheet. In addition, another major trepidation is with the role of surge and core deposits/runoff and the use of wholesale funding in this rising rate environment. In this session, Keri and Ryan will speak to trends in liquidity exams and how best to defend your position as well as strategies to consider enhancing your profile in a profitable fashion.

Speakers: 

  • Keri Crooks, Managing Director, Darling Consulting Group

  • Ryan Gilles, Senior Consultant, Darling Consulting Group

Tuesday

1:00 PM - 2:00 PM

Banking-as-a-Service: Understanding the Challenges & Opportunity

Banking-as-a-Service (BaaS) is a novel model by which a chartered institution provides the regulatory umbrella necessary for a non-chartered company to offer financial services. It’s garnered a ton of attention over the last few years as fintech companies emerged in need of bank partners to provide licensing for their services. And, for a long time, BaaS seemed like an easy win. But there is no such thing, and now, as the market evolves, a number of critical pressures are threatening to undermine the BaaS model and challenging banks to get more focused on where the real opportunities lie. Elena will cut through the chatter to provide a foundational understanding of this market, how it is now changing, and what banks need to do to capitalize on the possibilities of BaaS both safely and lucratively.

Speaker: 

  • Elena Pierce, Managing Director and Chief Business Development Officer, CCG Catalyst

Tuesday

1:00 PM - 2:00 PM

We Can Predict That? Deposit Strategy Using Advanced Analytics

Predictions are difficult, but that doesn’t mean that forecasts aren’t extremely valuable for managing your institution’s risk profile and evaluating strategic alternatives. A forecast provides a starting point in an otherwise opaque area and very few balance sheet management topics are more ambiguous than the future of deposit behaviors given the current tightening cycle. In this session, Justin and Jon will make advanced analytics actionable, accessible, and relevant to executives with a focus on deposit behaviors and discuss strategies to utilize a range of outcomes to make better pricing decisions.

Speakers:

  • Justin Bakst, Managing Director, Darling Consulting Group

  • Jonathan Weiner, Director - Data Science, Darling Consulting Group

Tuesday

2:15 PM - 3:15 PM

Commercial Real Estate Update: Where Are We Now, and Where Are We Going?

Commercial real estate fundamentals and property valuations continue to be a key strategic issue for senior leadership. Transaction volume has slowed significantly while Regulators sound the alarms, but it’s not all bad news in this sector. Join Aaron Jodka, Director of Research, U.S. Capital Markets at Colliers, as he discusses opportunities and risks in commercial real estate. Aaron will dive into the current outlook across the major asset classes including Multi-family, Retail, Office and Industrial and explore capital markets trends and drivers.

Speaker: 

  • Aaron Jodka, Research Director - US Capital Markets, Colliers

Tuesday

2:15 PM - 3:15 PM

Maintaining Your CECL Model

Many institutions invested heavily in developing and implementing a new, compliant reserve methodology. These new models are more complex than their predecessors, not only having more quantitative calculations and assumptions, but also requiring more education and oversight by management. But now that the day one adjustment has passed, shrewd management teams are evaluating ways to further leverage their investment and ensure that the model remains functional and compliant. In this session, DCG Managing Director Mike Guglielmo and Quantitative Consultant Chase Ogden will provide strategies and perspectives for maintaining CECL models, from cross-functional applications across risk management to tried-and-true methods for fostering effective and efficient model governance.

Speakers:

  • Mike Guglielmo, Managing Director, Darling Consulting Group

  • Chase Ogden, Quantitative Consultant, Darling Consulting Group

Tuesday

2:15 PM - 3:15 PM

Balance Sheet Management Sessions

Program Schedule

Starting with a networking reception on the evening of Sunday June 4, the program continues over two days of education, peer exchange, and speakers. All times in ET. Click to download a printable PDF. 

Session Descriptions

Choose from 45 sessions over two days, ranging from our signature core education program to dynamic speakers on balance sheet management, model risk management & validation, and credit union topics. All times in ET.

Credit Unions

Sessions at a Glance

Select from sessions ranging from our signature core education program to dynamic speakers on balance sheet management, model risk management & validation, and credit union topics. 

Detailed session descriptions are coming soon.

Balance Sheet Management Sessions

  • Commercial Real Estate

  • Strategic Alchemy: Turning Data into Gold with Lending & Deposit Analytics

  • Deposit Strategy

  • Derivatives

  • Investments

  • Lending

  • Balance Sheet Management Strategies

  • Regulatory Hot Buttons

  • Importance of Alternative Funding in the Current Environment

  • Capital/Credit/CECL "for the Board"

  • Consumer Credit/Lending (for Credit Unions)

​Darling Consulting Group, Inc. is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

DCG Webinars: DCG is registered with NASBA as a sponsor of continuing professional education on the National Registry of CPE Sponsors.

Continuing Professional Education Information

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