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Registration is now open for our 40th Annual Conference! 

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Repositioning The Deposit Strategy - Navigating the Delicate Balance of Margin Control vs Liquidity

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.

Joe Kennerson

Managing Director

Darling Consulting Group

Joe is a Managing Director at Darling Consulting Group. In this capacity, he works directly with financial institutions by providing solutions for their asset liability management process in the areas of interest rate risk, liquidity risk management, ALM modeling, regulatory compliance and executive-level education. He is a frequent speaker and author and directly advises clients in all aspects of ALM.

The market has spoken, and the Fed has signaled a pivot. At least for now. The recent bond market rally and expected 2024 Fed cuts mean that the peak in deposit competition for this cycle is likely behind us. Now the question is, what lies ahead on the other side? The yield curve remains inverted and margin pressure is not going away in the short run. In fact, deposit rates lag on the way down just as they do on the way up. What will be your plan?


Join DCG Managing Directors Joe Kennerson and Billy Guthrie as they explore the 2024 deposit strategy outlook. They will assess near-term strategies as big waves of CD maturities cycle through, and non-maturity attrition is likely to continue in Q1. They will then provide a Fed Easing strategy playbook to ensure a proactive game plan. Basis points are most certainly up for grabs on funding costs.

In addition to getting an inside look at current trends and our 


Deposits360°® forecast, highlights of the webinar will include:


  • Readjusting current deposit strategy given a Fed pivot while dealing with near term pain

  • The importance of having a deposit strategy before the Fed eases

  • How to beat the falling rate deposit lag

  • Knowing the marginal cost of foregoing a rate cut

  • Lessons learned & comeback campaigns

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