Deposit Predictions for 2024

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.

Jonathon leads the DCG data science team, which provides industry-leading quantitative analytics and models to our banking clients. He has been a leading developer of lending, deposit, and real estate models for more than 14 years and is the author of “Modeling Prepayments and Defaults for MBS Valuation” in the definitive guidebook on the topic, “The Handbook of Mortgage-Backed Securities” (Fabozzi, 2016).

Prior to his current role, Jonathon led the development of the profitability models at LendUp from 2015 to 2018, spent two years before that launching a custom web-based mortgage analytics platform, and, from 2007 to 2013, managed the research and development group at LPS Applied Analytics (currently Black Knight Financial) where he was responsible for all development of the company's mortgage prepayment and default models, house price indices, and MBS valuation library. 

Jonathan earned his Ph.D. in physics at the University of California, Berkeley in 2002.

Justin provides risk management education and strategic consultation to financial institutions leveraging DCG’s analytics solutions. Justin has been a thought leader in risk management including interest risk, credit risk, and liquidity risk, as well as emerging risks including artificial intelligence and machine learning. Justin’s focus is developing and implementing solutions that analyze customer behavior patterns to proactively manage embedded risks and drive higher levels of earnings. Justin is a frequent speaker and author with the RMA, American Banker, NYTimes, and CIOMagazine.