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Frank Farone
Managing Director
Darling Consulting Group
Frank consults nationwide with CEOs and CFOs of financial institutions to increase earnings through the proactive management of capital, liquidity/funding risk, and interest rate risk. He is a frequent speaker and author on topics such as industry issues and trends, funding solutions, regulatory issues, interest rate risk management, capital management, and derivatives hedging techniques.
Frank was designated a “top-rated” speaker by FMS and is well known for his popular seminar “Turbo Charging Your ALCO Process” having helped thousands of bankers across the country.
Steve Boselli
Managing Director
Darling Consulting Group
Steve is a Managing Director at DCG, where he consults with financial institutions of all sizes across the country on balance sheet management strategies. He takes a hands-on approach in developing bank/credit union-specific strategies to best fit the risk profile for each institution’s balance sheet, while also balancing the regulatory demands/pressures in the current environment.
Since joining the firm in 2005, he has held various positions within DCG, assisting clients in all aspects of ALM, including quarterly ALM modeling/consulting for advisory clients, process reviews, model validations, policy development/reviews, strategy development sessions, capital management/planning, credit stress testing/forecasting and contingency liquidity planning.
Steve holds a B.S. in both accounting and finance from Syracuse University.
The winds of change in the banking industry should be nirvana for many but problematic for others. With a steeper yield curve, higher long-term rates, notable cash flow, repricing legacy loan production, and investment maturities, yields are rising faster than funding costs.
2026 should be a record year for the industry, but not so fast. There are many hidden risks lurking in the wings. It’s critical to understand these risks and how to effectively manage them.
Managing through the current rate cycle starts with getting your risk position right, listening to your balance sheet, and being proactive at ALCO. As the saying goes, “We cannot direct the winds, but we can adjust our sails.”