Balance Sheet Management Strategies for a Highly Volatile Environment

On-Demand Webinar (July 21, 2021)

Billy Guthrie

Deposit Consultant

Darling Consulting Group

Billy is a Deposit Consultant at Darling Consulting Group, working directly with financial institution executives to validate and better understand key deposit assumptions utilized in risk models. In addition to supporting core deposit study analyses, he also educates DCG’s client base on utilizing data analytics to support strategic deposit decisions through Deposits360°®, DCG’s proprietary tool.


Billy began his career with DCG in 2008 as a financial analyst. He is a graduate of the University of New Hampshire with a degree in finance and management.

Frank Farone

Managing Director

Darling Consulting Group

Frank consults nationwide with CEOs and CFOs of financial institutions to increase earnings through the proactive management of capital, liquidity/funding risk, and interest rate risk. He is a frequent speaker and author on topics such as industry issues and trends, funding solutions, regulatory issues, interest rate risk management, capital management, and derivatives hedging techniques.


Frank was designated a “top-rated” speaker by FMS and is well known for his popular seminar “Turbo Charging Your ALCO Process” having helped thousands of bankers across the country.

Joe Montalbano

Quantitative Consultant

Darling Consulting Group

Joe is a Quantitative Consultant at Darling Consulting Group (DCG) where he supports the company’s mission to help financial institutions manage their balance sheet risk and improve their risk-management capabilities. Joe primarily works in the realm of DFAST model validation, ensuring that clients’ models and processes are methodologically sound and aligned with regulatory expectations.


Prior to working at DCG, Joe spent a total of six years with Moody’s Analytics and SunGard Ambit Risk & Performance, where he gained extensive experience developing credit rating scorecards and DFAST stress testing models. His experience also extends to ALM risk, gap analyses, economic capital and enterprise-wide risk.


Joe earned his Bachelor’s degree in economics from Princeton University.

John D - Distant...Eric Poulin

Account Manager

Darling Consulting Group

Eric is an Account Manager at Darling Consulting Group where he assists financial institution executive teams to bolster their asset liability management (ALM) process. In this role, he provides comprehensive solutions in various areas such as interest rate risk, liquidity risk management, and capital. Additionally, Eric is well-versed in the areas of deposit strategies, regulatory support, and executive-level education. 


Eric began his career at DCG in 2014 as a financial analyst and has also worked closely with the implementation, development, and education of DCG’s decision-support tools (Deposits360°® and Prepayments360°™). He currently lives in the Seacoast area of NH with his wife and is a graduate of the University of New Hampshire with a degree in economics.

Margins and earnings pressure will continue as far as the eye can see, and “hoping” for better times is not the most prudent strategy. Time is not your friend. Now is the time to act, regardless of your outlook for rates.


ALCO conversations should be changing even faster. In this session, DCG Managing Director Frank Farone will discuss strategies for your entire balance sheet that will enhance earnings, address margin pressure, manage both current and prospective interest rate risk, prudently enhance the return on current excess liquidity, and productively manage capital…phew!


Worried about Inflation ahead or a protracted low rate environment? Frank will offer strategies to consider now – and avoid – as the cycle turns. Strategies will include lending, investments, deposits, roles for wholesale, derivatives (hedging and role in driving loan growth), and much more. Creating the right perspective and enabling the right conversation has never been more critical for ALCOs.