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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.
Deposit pressures are back. Growth has remained anemic in 2026, funding cost relief has largely run its course, and 4% CD specials are returning as the yield curve steepens.
At the same time, the likelihood of a Federal Reserve rate hike has increased, potentially setting the stage for the first hike from today’s elevated rate levels in nearly 30 years. Financial institutions must prepare for renewed pricing pressure, greater competition, and the risk of costly deposit cannibalization.
Join Darling Consulting Group’s Joe Kennerson and Billy Guthrie as they outline practical, winning deposit strategies for 2027.
In this session, you’ll gain:
An inside look at Deposits360°® analytics: See recent customer behavior patterns, product migration, pricing sensitivity, and emerging funding trends from over 300 financial institutions.
Strategies for navigating a higher-for-longer rate environment: Learn how to balance deposit growth, retention, liquidity needs, and funding costs in a changing environment.
Live case studies on deposit performance and cannibalization: Explore real-world examples of what’s working, what’s falling short, and how to make more informed pricing decisions.
Walk away with the data, insights, and practical strategies needed to compete for deposits, protect margins, and build a more resilient funding plan for 2027.