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Registration is now open for our 40th Annual Conference! 

About Us
Data-Driven Solutions
Model Validation & MRM
Asset/Liability Management

Navigating 2024: Overcoming the Funding Challenge

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.

Jonathon M. Weiner, PhD

Director, Data Science

Darling Consulting Group

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 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.

We are pleased to invite you to 2023’s second webinar exclusively for the Deposits360°® community: Navigating 2024: Overcoming the Funding Challenge.

Deposit attrition and migration continue to exert pressure on bank and credit union liquidity positions and cost of funds. Most financial institutions will likely fall short on 2023 budgets as interest expense has soared beyond expectations.

The question looming large is whether the next 12 months will bring any respite – or merely more of the same challenges. How can we proactively address these cost of funds issues today, leveraging the power of data and advanced analytics?

Join DCG’s Justin Bakst, Billy Guthrie, and Jon Weiner as they dig into real-world case studies and industry data from Deposits360°, offering insights into one of the industry’s largest obstacles: the funding challenge.

Why should you attend?

  • Gain invaluable insight and guidance derived from DCG's proprietary research

  • Explore selected use cases that leverage cross-institutional analysis, encompassing over 3 billion individual deposit records, over 4,500 branches across 50 states, and spanning two decades of rate cycles

Registration is open now for this one CPE eligible webinar. We hope you will join us.

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