Podcasts

Podcast Recordings

  1. RMA Board Member Spyro Karetsos, Executive Vice President and Head of Enterprise Risk Services, SunTrust Bank, shares his testimonial of The RMA Journal, its impact on his career and the industry in general.

  2. Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the federal banking agencies’ FAQs on CECL to assist banks and examiners.

  3. September 18, 2017

    In an interview with Paul Guinan, Manager of Market Risk and Securities Lending at RMA, James Clarke, Principal of Clarke Consulting, discusses credit risk with regard to the current business cycle, commercial real estate, construction lending, and auto lending.

  4. September 11, 2017

    In an interview with Paul Guinan, Manager of Market Risk and Securities Lending at RMA, James Clarke, Principal of Clarke Consulting, discusses regulators’ concerns regarding liquidity risk; short-term interest rates; Fed rates for the next 6-12 months; and managing liquidity risk with wholesale solutions versus retail deposits.

  5. In an interview with Paul Guinan, manager of market risk and securities lending at RMA, James Clarke, principal of Clarke Consulting, discusses regulators’ concerns with balance sheet management and interest rate risk; concerns for ALCO groups; the relationship between liquidity risk and interest rate risk and their impact on community banks; backtesting and modeling; and stress testing.

  6. August 29, 2017

    Joseph Iraci, Head of Financial Risk Management, TD Ameritrade, discusses reputation risk and ways financial institutions can monitor and manage it.

  7. RMA Vice Chair Robert Messer, senior executive vice president and chief financial officer, The American National Bank of Texas, shares his testimonial of The RMA Journal, its impact on his career and the industry in general.

  8. Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the federal banking agencies’ guidance highlighting the actions that banks should take to prepare for the change in the Securities and Exchange Commission’s rule governing the securities settlement cycle.

  9. Dev Strischek, Retired Senior Vice President and Senior Credit Policy Officer, SunTrust Banks, provides tips on how to identify if a policy needs to be rolled over, repaired, or replaced. 

  10. John Cassis, CRC, a retired banker of 24 years, discusses the importance of remaining credible, a quality that may not only be used within an organization, but also with your customers and in any other areas of life.

  11. Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Consumer Financial Protection Bureau’s extension of the comment period on its request for information regarding the small business lending market.

  12. Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the advisory issued by the federal banking agencies to address concerns over the limited availability of state-certified and licensed appraisers, particularly appraisers located in rural areas.

  13. June 05, 2017

    Joseph Breeden, Founder and CEO, Prescient Models, discusses how existing models can converge or be modified to adapt and fill different needs, specifically regarding Basel II for capital reserves, CCAR/DFAST programs for stress testing, and IFRS9 and CECL for ALLL.

  14. Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the federal agencies’ Appraiser Waiver Advisory that highlights two options to help ensure depository institutions and bank holding companies facilitate the timely consideration of loan applications.

  15. Thomas Nida, Regional Executive, John Marshall Bank, discusses property-assessed clean energy (PACE) lending, which refers to programs that use voluntary special tax assessments to fund the cost of clean energy, specifically for commercial properties.

  16. Bernard Mason, RMA’s Regulatory Relations Liaison, discusses the OCC’s new “Retail Lending” booklet of the Comptroller’s Handbook, the FDIC’s new guide to help community bankers learn more about the programs and products offered by the Federal Home Loan Banks to facilitate mortgage lending, and the CFPB’s proposed changes to the Home Mortgage Disclosure Act rule.

  17. Bernard Mason, RMA’s Regulatory Relations Liaison, discusses the CFPB’s recent Spring 2017 Supervisory Highlights report, which revealed that some student loan and mortgage servicers are violating the law by failing to provide struggling borrowers with legal protections.

  18. Joseph Iraci, Head of Financial Risk Management, TD Ameritrade, discusses how risk management has evolved and its growing alignment with data science.
  19. In a speech given by Comptroller of the Currency Thomas Curry, Curry discusses some of the things regulators have done since the financial crisis to make the U.S. banking system more resilient.

  20. FDIC Vice Chairman Thomas Hoenig offers a new policy proposal that would allow the largest U.S. banks to separate their banking and investment activities in exchange for regulatory requirements. 

  21. Madeline Hurley, Lead Industry Analyst, IBISWorld, Dmitry Diment, Senior Research Analyst, IBISWorld, and Kelsey O’Hollaren, Lead Industry Analyst, IBISWorld, discuss the recent developments in U.S. corporate tax reform.  

  22. Dev Strischek, Retired Senior Vice President and Senior Credit Policy Officer, SunTrust Banks, summarizes his three-part series on contractor insurance, which appears in the February, March, and April 2017 issues of The RMA Journal.
  23. Bernard Mason, RMA’s regulatory relations liaison, discusses the FDIC’s review of the contracts between financial institutions and technology service providers (TSPs) to determine how clearly these contracts address the TSP’s responsibilities related to business continuity planning and responding to and reporting cybersecurity incidents. 

  24. Nidhi Verma, Senior Director of Research and Consulting, TransUnion, discusses the impact of longer terms in the auto finance market.

  25. Jason Alpert, Vice President and Loan Adjustment Manager, Credit Management Group, Wells Fargo Bank, discusses ways a vigilant lender can be on the lookout for the common personality traits that often result in borrower defaults—referred to here as the seven deadly sins of small businesses. 

  26. Bernard Mason, RMA’s regulatory relations liaison, discusses the OCC’s Semiannual Risk Perspective for fall 2016, which continues to emphasize strategic planning; easing of underwriting standards; CRE loan quality and concentration risk; and cybersecurity, third-party, and governance issues; and more.

  27. January 23, 2017

    Mark Zandi, Chief Economist, Moody’s Analytics, discusses the current state of the U.S. economy; the new administration and its potential effects on the economy; interest rates; and the global economy.

  28. Spyro Karetsos, Head of Enterprise Risk Services at SunTrust Banks, and an RMA Board Member, interviews Tiffany Wyne, Vice President, Risk Strategy & Framework of Enterprise Risk at SunTrust on why developing a strong risk culture program is so important to your institution.

  29. Bernard Mason, RMA’s regulatory relations liaison, discusses the CFPB’s recent bulletin warning financial companies that create incentives for employees to meet sales goals that they can lead to consumer financial harm if not properly managed.

  1. Stephany Head, Ph.D., President of OpRisk Associates, provides an overview of RMA’s upcoming operational risk audio conference, “Setting Cyber Security Policy,” to be held on September 19 at 1 pm. To register for this audio conference, please contact Sylwia Czajkowska at  sczajkowska@rmahq.org or 215-446-4071.

  2. Bernard Mason, RMA’s regulatory relations liaison, discusses the launch of the FDIC’s new program that provides insured depository institutions the ability to file annual reports electronically, and the CFPB’s complaint report for September 2016.

  3. Arindam Majumdar, senior enterprise risk program manager at Bank of the Ozarks, and Jim Lentino, director of corporate risk management at Discover Financial Services, discuss the importance of risk identification frameworks.

  4. Ed Blount, senior research fellow at Fordham University, and executive director of the Center for the Study of Financial Market Evolution in Washington, D.C., describes how data-based studies have been used to change the negative views of financial markets held by some bank customers and regulators.

  5. Bernard Mason, RMA’s regulatory relations liaison, discusses the release of the federal banking agencies’ report to Congress on activities and investments that banking entities may engage in under appropriate law.

  6. Steve Krasowski, contributing editor of The RMA Journal, discusses RMA’s Operational Risk Management Fundamentals Certificate, which is intended for individuals who are new to the operational risk discipline and confirms that an individual has a solid understanding of general risk concepts, or for institutions to validate their entry-level training programs.
  7. September 13, 2016

    Joseph Ganzelli, Sr., a director in KPMG’s Operations Risk Service Network, discusses how financial institutions can meet the objectives of BCBS 239 relating to the accuracy and integrity of risk data to address data validation at the earliest stages in the loan process.

  8. Bernard Mason, RMA’s regulatory relations liaison, discusses topics included in the OCC’s new booklet, “Corporate and Risk Governance,” which is part of the Controller’s Handbook Series.
  9. Bernard Mason, RMA’s regulatory relations liaison, discusses the new final rule issued by the U.S. Department of the Treasury on “Customer Due Diligence Requirements for Financial Institutions.”
  10. Bernard Mason, RMA’s regulatory affairs liaison, discusses the OCC’s white paper, which summarizes the OCC’s research on the principles guiding the development of the agency’s framework for understanding and evaluating innovation.
  11. Stephen Krasowski, contributing editor for The RMA Journal, discusses the results of a recent RMA survey designed to address RMA members’ interest in ascertaining the range of practice regarding member institutions, with regard to taxonomy.

  12. Bernard Mason, RMA’s regulatory affairs liaison, talks about the CFPB’s recent bulletin warning banks that they must have systems in place regarding accuracy when passing on information such as negative account histories to checking account reporting and other credit reporting companies.

  1. Bernard Mason, RMA’s regulatory affairs liaison, provides an update on the revisions of the FDIC’s Compliance Examination Manual, and the CFPB’s bulletin on automatic account debit authorization.
  2. Dev Strischek, senior vice president and credit policy officer, SunTrust Bank, discusses construction loan risk management and the importance of managing your high volatility commercial real estate (HVCRE) administration to keep costs down and projects on schedule.

  3. Bernard Mason, RMA’s regulatory relations liaison, discusses both the recent guidance issued by the OCC outlining safety and soundness measures for tax-refund-related products and the final Military Lending Act rule.

  4. Dev Strischek, senior vice president and credit policy officer, SunTrust Bank, talks about the impending increase in interest rates, interest rate sensitivity, and debt service coverage ratios.

  5. August 12, 2015

    Stephen Krasowski, contributing editor for The RMA Journal, discusses the results from the 2015 RMA Social Media Survey.

  6. Robert Messer, Chief Financial Officer, American National Bank of Texas, </strong>encourages the review of proposed regulations and offering comments, and ultimately being helpful to regulatory agencies and the industry in general.

  7. RMA's Regulatory Relations Liaison Bernard Mason talks about ways the FDIC is encouraging a risk-based approach in assessing customer relationships.

  8. RMA Regulatory Relations Liaison Bernard Mason provides highlights from a speech given by OCC Deputy Comptroller Darrin Benhart on concentration risk management, correlation risk, and overreliance on historical performance.