Unlocking the Mystery of Deposit Behavior Patterns: Deposits360°® Virtual Demo

On-Demand Webinar (September 22, 2022)

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.

Jeff Croteau

Solutions Consultant

Darling Consulting Group

Jeff is a Solutions Consultant at Darling Consulting Group. In this role, he works directly with financial institutions to establish robust liquidity management processes through stress testing, contingency planning, documentation, and education utilizing Liquidity360°® , DCG’s proprietary tool. In addition, he supports core deposit study analyses and educates DCG’s growing Depsosits360°® user base to effectively utilize data analytics to support deposit strategy.

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.

Darling Consulting Group is pleased to invite you to an exclusive 60-minute webinar:  Unlocking the Mystery of Deposit Behavior Patterns: Deposits360°® Virtual Demo.


Pent up deposit pricing pressure may soon pop. The Fed seeks to continue to raise rates, liquidity is already contracting, and spreads between deposit costs and wholesale rates are very wide. This fast-paced tightening cycle and liquidity uncertainty are handicapping institutions trying to optimize deposit strategies.


Making deposit decisions solely based on “gut” is far from optimal. The good news is that financial institutions have a treasure trove of data. Unlocking that data to help support pricing strategies is critical as funding cost pressure mounts.


Join Darling Consulting Group on Thursday, September 22, 2022 at 2:00 PM ET for a virtual demo of Deposits360°® to see how users are harnessing data to unlock insight and drive deposit management strategy.


DCG consultants Joe Kennerson, Billy Guthrie, and Jeff Croteau will perform a live demonstration with a focus on:

  • Quickly identifying deposit cannibalization and the marginal cost of funds of specials

  • Tracking new money vs. attrition by product, branch, and business vs. consumer

  • Deposits360°® forecast model and dynamic deposit study

  • Additional features such as: deposit segmentation, identifying at-risk depositors, and building campaign lists