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Learn how DCG's online analytical solutions can help bring clarity to the complex.

How Institutions Are Addressing Emergent Risk in Banking-as-a-Service Fintech Models

Chase Ogden

Director of MRM

Darling Consulting Group

As Director of MRM, Chase Ogden brings over a decade of programming and modeling expertise. Chase provides a unique perspective of the entire analytics lifecycle, having served in a variety of roles from model developer to senior leader of enterprise-wide, cross functional analytics implementations.


As a practitioner at large and mid-sized financial institutions, Chase has experience in a wide array of modeling approaches, applications, and techniques, including: asset-liability models, pricing and profitability, capital models, credit risk and allowance models, operational risk models, deposit studies, prepayment models, branch site analytics, associate goals and incentives, customer attrition models, householding algorithms, and next-most-likely product association.


Chase is a graduate of the University of Mississippi and holds Master’s degrees in International Commerce Policy and Applied Statistics from George Mason University and the University of Alabama, respectively. A teacher at heart, Chase frequents as an adjunct instructor of mathematics and statistics.

Mark Haberland

Managing Director

Darling Consulting Group

With nearly 30 years of experience in balance sheet and model risk management, hands-on experience in audit and leading the operations of DCG’s Financial Analytics Department, Mark has unique expertise for optimizing and “right-sizing” risk management in the community, mid-size, and large banking space.


In his current role, Mark facilitates educational programs and collaborative workshops and is a trusted resource for financial institutions, industry, and state trade associations, as well as regulatory agencies on a variety of balance sheet and model risk management/validation topics, including IRR, Liquidity, CECL, BSA/AML, MRM/ERM, and ALCO.


Mark is a frequent author and top-rated speaker on a vast array of risk management topics and is Past-Chairman of the Financial Managers Society’s Board of Directors. The son of an educator and member of the faculties of Pacific Coast Banking School and Southwest Graduate School of Banking, Mark’s passion for teaching drives his desire to work with bankers to strive for excellence within their organizations.


Mark lives on the North Shore of Boston with his wife, two children, and two dogs. He is a graduate of St. Michael’s College in Vermont with a degree in accounting.

As business models, technology, and (de-)regulation evolve, Banking-as-a-Service (BaaS) and other partnerships with fintechs have become a nexus of potential model risk.


On one hand, these relationships can be lucrative arrangements that extend innovative products to customers; on the other, the fintech 'secret sauce' tends to be a new (and typically complex) model that is not guaranteed to be high quality!


Join DCG Managing Director Mark Haberland and Quantitative Consultant Chase Ogden as they discuss how to grow Model Risk Management (MRM) programs to meet emergent fintech model risk. They will share how institutions may uncover and understand model flaws and limitations so that management teams can capitalize on new opportunities with a clearer view of underlying risk.

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