Institutional Membership

Opportunities To Shine

In addition to a free subscription to The RMA Journal® and discounts on all RMA events, products, services, and training, membership also provides countless networking opportunities and exposure to the industry's key decision makers and managers. RMA’s local and national events keep you up to date on industry trends and issues while allowing you to meet new people and swap successes with peers.

Becoming a member also gives you a voice in the industry. A forum to share your ideas and have them valued is extremely satisfying and beneficial for your professional growth.

RMA Membership Benefits

Member banks receive the following benefits:

  • Discounts on all RMA events, products, services, and training.
  • Free downloads of RMA’s Enterprise Risk Management Workbook Series including:
    • Risk Appetite Workbook.
    • Scenario Analysis and Stress Testing Workbook for Community Banks.
    • Governance & Policies Workbook.
  • Complimentary copy of RMA’s Annual Statement Studies® as well as eligibility to submit financial statements which compiles the Annual Statement Studies data.
  • Quality training and peer-sharing opportunities.

Associate members receive additional benefits, including:

  • RMA Xchange – An exclusive online community where RMA members can engage in real-time discussions and share information with other members.
  • Preferred pricing for associate members – discounts on all RMA events, training, products, and services—over nonassociates from member institutions/professional members.
  • Free downloads of RMA’s Enterprise Risk Management Workbook Series including:
    • Risk Appetite Workbook.
    • Scenario Analysis & Stress Testing Workbook for Community Banks.
    • Governance & Policies Workbook.
  • RMA’s Mobile Apps:
    • The RMA Journal® On the Go – Award-winning RMA Journal content wherever you are in a format that’s customizable and easy to read on your smart phone or tablet.
    • The RMA App – Instant access to timely RMA news and events, the ability to find other RMA members, and view and update your RMA profile.
  • Free downloads of the following:
    • The RMA Journal® digital version and downloadable articles – RMA’s award-winning publication written by risk professionals for risk professionals.
    • Study Packs – Highly focused compilations addressing critical issues in credit risk, operational risk, and market risk.
    • Member Roster Online – Access to over 16,000 Associate Members.
    • RMA’s Bylaws.
    • Annual Reports.
  • RMA’s Professional Member Directory – Proprietary listings of RMA Professional Members who provide services such as accounting, legal, and real estate.
  • Surveys and Studies – RMA undertakes several timely and thought leading studies and surveys, such as the Risk Appetite Survey.
  • Regulatory Update – Periodic e-newsletter offering the latest regulatory updates.
  • Basel Response – Guidance on managing the impact and implications of Basel III.
  • Regulatory Bulletin – Updated with timely information issued by regulators; consisting of the following sections:
    • Washington Wrap-up – Commentary and analysis on current regulatory and legislative initiatives.
    • The Dodd-Frank Resource Center – Full text of the Dodd Frank Act, an Executive Summary of the Dodd-Frank Act, a list of NPRs implementing the provisions of the Dodd Frank Act, as well as white papers, analysis, comment letters, and other information.
    • The Consumer Affairs Center – Information relating to CFPB rulemaking and enforcement.
    • The Regulatory Environment – Policy statements, regulations, and guidance issued by the Treasury Department, Federal Reserve Board, OCC, FDIC, OFR, and FSOC, as well as information relating to the Basel regulatory framework.
    • Research, Advocacy, and Policy – Comment letters, white papers, studies, analysis, and other resources designed to help risk managers in navigating the increasingly complex regulatory landscape.
  • Online Credit and Lending Dictionary – Definitions of commonly used words and terms including Federal Reserve regulations and relevant legal and documentation concepts.
  • Manage My Email Preferences – Convenient opt-in/opt-out feature allowing members to customize communications from RMA.
  • Access to local chapter network meetings and events.
  • Career development/leadership and networking opportunities.

Qualifications

The following organizations are eligible to apply for institutional membership:

  • Financial institutions, private and governmental, active in lending, identifying enterprise risks and other aspects of risk management, and providing related financial services.
  • Agencies and authorities responsible for the supervision and regulation of such financial institutions, and other government and quasi-government administrations and entities that regularly deal with such financial institutions in connection with such activities;
  • Other organizations, private and governmental, that are not financial institutions but whose primary functions and activities in enterprise risk and risk identification and management closely parallel those of financial institutions.

General Information

Membership Eligibility

The following organizations are eligible to apply for Institutional Membership: (1) Financial institutions, private and governmental, active in lending, identifying enterprise risk, and other aspects of risk management, and providing related financial services; provided, however, that U.S.-based credit unions are not eligible for Institutional Membership. (2) **Agencies and authorities responsible for the supervision and regulation of such financial institutions, and other government and quasigovernment administrations and entities that regularly deal with such financial institutions in connection with such activities; and (3) Other organizations, private and governmental, that are not financial institutions but whose primary functions and activities in enterprise risk and risk identification and management closely parallel those of financial institutions, by way of example and not limitation, insurance companies; provided, however, that the organizations described in clauses (1), (2), and (3) above, may apply for a “Trial Membership” in RMA on such terms and conditions as the president or his designee may approve; provided further, that such organizations shall not be entitled to all of the privileges of Institutional Membership except the right to vote under Section 2.02.

Senior Associate

The Senior Associate is our primary contact, and the key to the continuous support of RMA objectives and activities. Where practical, your institution should appoint, as its Senior Associate, the senior risk management officer, the chief executive officer, or individuals having significant management responsibility. The Senior Associate should 1) participate in Headquarters’ and local chapter activities; 2) be responsible for disseminating educational materials and notices of RMA activities to the proper people within the institution; 3) oversee the institution’s participation in RMA surveys, studies, and competitions, including RMA’s Annual Statement Studies program and its other periodic data gathering and market-research surveys; and 4) cast the institution’s vote in RMA matters and be known throughout the institution as its spokesperson in RMA matters.

Alternate Associate

The Alternate Associate temporarily assumes the responsibilities of the Senior Associate if that position becomes vacant. This person should be of senior stature.

** A free copy of RMA’s Annual Statement Studies is not included with this type of membership.

Detailed Dues Information

Institutional Dues
(Fiscal Year 2014–2015)

Dues are not transferable or refundable

RMA institutional dues for national and state banks, bank holding companies, Edge Act and Agreement Corporations, trust companies, savings banks and loan associations, private banks or bankers engaged in a general banking business, farm credit banks and associations, banks for cooperatives, economic/industrial development corporations, foreign banks, and U.S. or Canadian branches or agencies of foreign banks, shall be based on a sliding scale of total assets as of December 31 preceding billing as shown.

Bank Supervision/regulation agencies and government entities engaged in lending or loan guaranties (such as the Small Business Administration) may join at $75 per Associate. A free copy of the Annual Statement Studies® is not included with this type of membership.

Foreign banks and nonbank financial institutions should contact RMA at 215-446-4150 for sepcific information about dues.

Associate Dues

Institutional dues cover one Senior Associate and one Alternate Associate per system (whether unit, branch, or holding company). The dues for all other Senior Associates and Alternate Associates a member institution elects to enroll shall be $75 (each) per year. The dues for all additional Associates shall be $75 (each) per year.

Proration of Dues/Refund Policy

The RMA fiscal year is September 1 through August 31. The dues for new institutions joining RMA are prorated in equal twelfths from September 1 through May 31. From June 1, prorated dues for the current fiscal year AND full dues for the upcoming fiscal year will be charged. This dues billing policy also pertains to Associate dues.

Although dues cover the period September 1, 2014 through August 31, 2015 dues are computed based on December 31, 2013 total assets. If a holding company acquires a financial institution between January 1, 2014 and August 31, 2015 or a financial institution merges with another financial institution during that period, the December 31, 2013 assets of the acquired (merged) institution will be included in computing the institutional dues, and the dues will be adjusted accordingly.

Institutional Dues
(Fiscal Year, 2014-2015)

Assets Minimum Assets Maximum Annual Dues
under $50 million $635
$50 million and under $75 million $755
$75 million and under $100 million $910
$100 million and under $150 million $1,255
$150 million and under $200 million $1,600
$200 million and under $250 million $1,900
$250 million and under $300 million $2,600
$300 million and under $400 million $2,710
$400 million and under $500 million $2,785
$500 million and under $600 million $3,665
$600 million and under $700 million $3,900
$700 million and under $800 million $4,275
$800 million and under $900 million $4,535
$900 million and under $1 billion $4,660
$1 billion and under $1.5 billion $5,200
$1.5 billion and under $2 billion $5,950
$2 billion and under $2.5 billion $8,050
$2.5 billion and under $3 billion $9,175
$3 billion and under $4 billion $10,600
$4 billion and under $5 billion $13,125
$5 billion and under $6 billion $14,300
$6 billion and under $7 billion $15,900
$7 billion and under $8 billion $16,550
$8 billion and under $9 billion $17,175
$9 billion and under $10 billion $18,100
$10 billion and under $20 billion $19,625
$20 billion and under $30 billion $22,000
$30 billion and under $40 billion $23,200
$40 billion and under $60 billion $23,725
$60 billion and under $80 billion $24,625
$80 billion and under $100 billion $25,900
$100 billion and under $200 billion $27,610
$200 billion and under $300 billion $33,425
$300 billion and under $400 billion $39,275
$400 billion and under $500 billion $44,575
$500 billion and under $750 billion $55,550
$750 billion and under $1 trillion $69,000
$1 trillion and above $81,200
 

Membership Applications
Ways to join:

Web
Log in or register on the website by creating an account. Then complete the online application process.

Fax
Fax your application (PDF) with your credit card number to RMA at 215-446-4100. Please call RMA 24 hours after faxing to confirm.

Mail
Send your application (PDF) with your check or credit card information to

RMA Member Services
1801 Market Street, Suite 300
Philadelphia, PA 19103

Questions
Contact Membership Department
Monday through Friday
8:00 a.m. to 5:00 p.m. ET
Phone: 800-677-7621, press 1
Email: member@rmahq.org