Balance Sheet Management Strategies for a Highly Volatile Environment

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.

Eric is a Senior Consultant at Darling Consulting Group where he assists community financial institutions with the delicate balance of optimizing earnings while prudently managing risk. In this role, he works collaboratively with ALCOs to develop comprehensive strategies related to all aspects of Asset Liability Management. Eric strives to distill complex concepts into actionable intelligence and delights in bringing education to the industry.

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 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.