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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.

Joe Kennerson
Managing Director
Darling Consulting Group
Joe is a Managing Director at Darling Consulting Group. In this capacity, he works directly with financial institutions by providing solutions for their asset liability management process in the areas of interest rate risk, liquidity risk management, ALM modeling, regulatory compliance and executive-level education. He is a frequent speaker and author and directly advises clients in all aspects of ALM.
One of the biggest influencers for margin success in the near-term will be the ability to manage deposit costs during the current and anticipated Fed tightening cycle. The market and industry dynamics are unique today. The industry is entering this cycle with the most deposit growth we have ever seen in a concentrated period. But questions remain, how will these new dynamics influence deposit volatility? What is your strategy to replace deposits if/when deposits begin to leave? What is your pricing strategy as rates start to move? Credit Unions should map out their deposit game plans, particularly since the Fed has indicated to act aggressively to lower inflation.
Join StoneCastle Cash Management and Darling Consulting Group on April 28th to share ideas on deposit initiatives, data analytics insights, and whether lessons learned from previous cycles still apply today.
Assessing lag capacity and offensive vs. defensive initiatives
Strategies to minimize cannibalization and lower marginal cost of funds
Efficient and cost effective ways to replace reduced deposit balances.
Identifying at-risk customers
Differentiating attrition from loss of relationships vs. discretionary fund