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Lessons in Generative AI: Introducing ChatDCGTM for Deposits360°®

Jay Wright

Executive Director - Technology

Darling Consulting Group

Jay is the Executive Director of Technology at Darling Consulting Group. He joined the firm in 2019 and is responsible for all aspects of DCG’s technology and cybersecurity organization. As a member of the leadership team, Jay oversees a strategy that makes data and technology the linchpin of the business. This includes enhancing DCG’s industry-leading consulting services and delivering secure software that helps clients make data actionable.


Prior to DCG, Jay worked at Bank of New York Mellon, starting there in 1998. Most recently at BNYM, Jay helped grow BNYM’s fintech, Eagle Investment Systems (now BNYM Data and Analytic Solutions). He was responsible for providing technology direction and architecture for Eagle ACCESSSM, Eagle Investments Systems’ Secure Private Cloud deployment model. He helped build Eagle ACCESSSM from its infancy to a solution that hosted some of the world’s largest Asset Manager and Owners, with over 13 trillion in assets on the platform.


In other roles at BNYM, Jay oversaw Eagle’s technology consulting business that helped clients from 1 billion in AUM to over 1 trillion adopt the Eagle systems and surrounding technology stacks. Jay also helped establish Eagle’s operations center in Pune, India, in 2010.


Jay is a former United States Army Reservist serving in the Special Operations Command – Civil Affairs Battalion and earned his B.S. in business administration from Bentley University.

Justin Bakst

Executive Director

Darling Consulting Group

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.

Sam Chen

Quantitative Consultant

Darling Consulting Group

As a Quantitative Risk Consultant at Darling Consulting Group, Sam has validated a variety of risk models for large financial institutions—including risk rating, stress testing, allowance and deposit models—from both a statistical and business perspective. Sam has also combined his background in econometrics with his experience in credit risk to help DCG enhance its community bank credit stress testing methodology.


Before arriving at DCG, Sam served as a Senior Consultant in SunGard’s Risk & Performance Group, where he developed models in multiple areas of financial risk, with a focus on credit and interest rate risk. Sam designed SunGard’s Dodd-Frank Act stress testing model selection algorithm and has also created custom PD and LGD models, including a suite of models currently implemented at a top 15 U.S. bank (by asset size).


Sam graduated cum laude with a bachelor’s degree in economics with mathematical applications from Princeton University. While at Princeton, he was the recipient of the John Glover Wilson Memorial Award for his thesis studying the economics of bargaining.

As large language models (LLMs) and artificial intelligence (AI) continue to make headlines, institutions face a pressing challenge: LLMs and AI are here to stay, so how might they adopt this technology responsibly and effectively?


Every bank and credit union, regardless of size, has potential opportunities to use AI to increase efficiency and add value for customers. But knowing where to start is often the greatest barrier.


Join Quantitative Consultant Sam Chen and Executive Directors Jay Wright and Justin Bakst for an exclusive Deposits360° client webinar, where they’ll unveil ChatDCG – our first-generation AI assistant built specifically to help users unlock even more value from Deposits360°. You’ll gain both foundational knowledge and real-world lessons from DCG’s own journey integrating generative AI into our platform.


This webinar will cover:


1. How the Technology Works

We will break down how large language models work in plain English. You’ll leave with a better understanding of how exactly LLMs generate text and have a “conversation” with you.


2. Lessons from the Front Lines

We’ll share what worked, what didn’t work, and how we navigated risk, governance, and other challenges when launching ChatDCG.


3. Real Use Cases: The Good, the Bad, and the Overhyped

We’ll dive into specific examples of how generative AI is being used (and misused) across the industry, so you can separate fleeting fads from proven practices.


4. Security & Risk Management

We’ll walk through best practices and internal controls that every institution should consider.


5. When to Wait and Where to Run

Not every area is ready for AI. We’ll help you identify potential low-risk, high-impact starting points for AI adoption, as well as areas where a more cautious approach may be more appropriate.

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