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Q4 2024 Deposit Outlook for Deposits360°® Clients

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.

Darling Consulting Group is excited to invite the Deposits360°® community to our Q4 2024 webinar:


Unlocking Opportunities in a Falling Rate Environment: What’s Next for Deposits?


As we enter a new rate cycle, this falling rate environment may differ significantly from previous ones. While CD pricing, premium non-maturity deposit pricing, and negotiated rate product pricing are trending downward and deposit outflows have stabilized, the competition for deposits remains intense. Many institutions still face significant liquidity challenges and regulatory pressures. With no one-size-fits-all solution, how should institutions navigate this evolving landscape?


In this exclusive session, Justin Bakst, Billy Guthrie, and Jon Weiner will explore key data trends, robust analytical models, and real-world case studies to offer actionable strategies for managing deposits in the current environment. Drawing on Darling Consulting Group’s proprietary research, the team will present insights from cross-institution analysis—spanning over 3 billion individual deposit records, 5,000 branches across 50 states, and two decades of rate cycles.


This research is available exclusively for Deposits360° subscribers, and we look forward to sharing these insights with you.


Join us for a deep dive into deposit strategies tailored to this unique environment. Click here to learn more about the webinar, CPE credit, and to register.


We look forward to your participation!

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