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Optimizing Your ALCO & Deposit Pricing Committee: A Live Demo of Deposits360°

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.

We are pleased to invite you to an exclusive event for the Deposits360° community: Optimizing Your ALCO & Deposit Pricing Committee with Deposits360°: A Live Demo.


Higher rates, an awakening of the depositor base, and recent bank failures have all put pressure on bank margins, liquidity, and regulatory requirements. Understanding your unique depositor base and future behaviors is imperative for effective balance sheet management. Leveraging data analytics can help you gain efficiencies and competitive advantage.


Join Managing Director Billy Guthrie as he walks through a live demonstration of Deposits360°, including:

  • Insights into industry-wide deposit trends and future forecast

  • Benchmarking institution-specific behaviors to industry averages

  • Telling your deposit story to key stakeholders and examiners (growth, attrition, migration patterns, etc.)

  • Analyzing the growing repricing risk within time deposit portfolios

  • Combining institution-specific and competitor pricing data to improve deposit pricing strategies

  • Creating a more accurate deposit rate & balance forecast for strategic planning & budgeting

  • Recent case studies and observations from engagements with hundreds of Deposits360° clients

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