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  1. HUD and DOJ Issue Memorandum of Understanding

    November 18, 2019

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Department of Housing and Urban Development (HUD) and the Department of Justice (DOJ)’s issuance of a memorandum of understanding describing broad guidelines of how HUD and DOJ will coordinate applying the False Claims Act to enforce alleged violations of federal housing administration requirements. 

  2. Business Resiliency

    November 05, 2019

    Joe Iraci, Head of Financial Risk Management at TD Ameritrade, discusses business resiliency and how an organization’s ability to detect, prevent, and recover from an event that could impact its critical business functions will determine its future success.

  3. Model Validation

    October 21, 2019

    Fran Garritt, Director of Global Markets Risk and Securities Lending at RMA, and RMA Board Member Kevin Oden, Managing Member of Kevin D. Oden & Associates, discuss model validation with regard to best practices, regulatory expectations, artificial intelligence and machine learning, talent, and LIBOR replacement.

  4. LIBOR Transitioning to SOFR

    October 07, 2019

    RMA is committed to helping prepare institutions and the industry for the upcoming transition from LIBOR. In this podcast Stephen Krasowski, Contributing Editor of The RMA Journal, interviews Paul Guinan, Associate Director of Global Markets Risk and Securities Lending at RMA, on SOFR, the preferred interest rate benchmark that could ultimately replace LIBOR. 

  5. From Expansion to Contraction: Lending and Credit Through the Business Cycle

    September 23, 2019

    Rick Buczynski, Ph.D., Senior Vice President and Chief Economist, IBISWorld, and Dev Strischek, Principle, Devon Risk Advisory Group, discuss key factors in lending and credit that differentiate the current cycle from the past and what we should be alerted to as the credit cycle becomes fatigued.

  6. RMA Issues Principles of Ethical Conduct

    September 13, 2019
    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses RMA’s first-ever uniform set of ethical principles solely intended for the industry.

  7. Leveraged Lending Guidance

    September 09, 2019

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the regulatory agencies' Leveraged Lending Guidance.

  9. SBA Modifies Standard Operating Procedures

    August 19, 2019

    Joey Bonin and Jeff Polasek of Partner Engineering and Science discuss the recent changes to the standard operating procedures of the Small Business Administration.

  12. Libor Replacement: What Are the Risks and How Can Banks Prepare?

    July 22, 2019

    Stephen Krasowski, Contributing Editor of The RMA Journal, interviews Fran Garritt, Director of Global Markets Risk and Securities Lending at RMA, on the impact of Libor replacement on banks, where we see it going, and the specific risks associated with it.

  13. FRB and the Community Reinvestment Act

    July 15, 2019

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Federal Reserve Board’s recent publication, “Perspectives from Main Street: Stakeholder Feedback on Modernizing the Community Reinvestment Act (CRA),” a summary of feedback from bankers and community groups on the state of and current revisions to CRA.

  14. Strategic Risk Management

    July 15, 2019

    Joe Iraci, Head of Financial Risk Management at TD Ameritrade, discusses strategic risk management.

  15. Critical Thinking and Cognitive Bias

    June 27, 2019

    Dev Strischek, author of RMA’s Analyzing Construction Contractors and the instructor for RMA’s course of the same name, discusses the critical thinking and cognitive bias.

  17. Mid-Year State of the Economy

    June 03, 2019

    Mark Zandi, Chief Economist at Moody’s Analytics, discusses the current state of the economy. He says we are on track for a solid economy this year, but inflation will accelerate, interest rates will eventually rise, and once unemployment begins to increase, even from a low level, history shows it is all but impossible to avoid recession.

  18. Managing People Like Loans

    May 20, 2019

    At a time when boards rightfully focus much emphasis and attention on corporate culture, good corporate citizenship, and enterprise risks, Maureen McCarthy, Senior Credit Officer at Brookline Bank, discusses the risks and rewards associated with what most companies think of as their greatest asset—their people.

  22. RMA Offers Critical Thinking Course

    March 21, 2019

    Stephen Krasowski, Communications Manager and Contributing Editor of The RMA Journal, discusses RMA’s new Critical Thinking course, which will take place on May 2 at its headquarters in Philadelphia, Pa.

  24. CFPB Issues ANPR on PACE

    March 14, 2019

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the CFPB’s Advanced Notice of Proposed Rulemaking regarding residential Property Assessed Clean Energy financing.

  25. CFPB Assessment of Rules

    March 12, 2019

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses several recent issuances by the federal banking agencies and the CFPB.

  27. GCOR XIII Preview: The Why, How, and What of Effective Risk Reports

    March 04, 2019

    Steven Minsky, CEO, LogicManager, provides an overview of his GCOR session on April 10. He discusses the increased pressures for today’s risk and governance professionals in a changing regulatory environment, and the role risk management plays in supporting the board’s objectives; how to align operational activities with strategic goals; and actionable steps to collect and integrate information across departments and adapt common characteristics of today’s most successful risk presentations and dashboards.

  31. Lending to Livestock Farmers

    January 30, 2019

    Nick Klein, senior credit risk review officer, Ephrata National Bank, discusses the risks of lending to livestock farmers.

  33. BSA Innovation

    January 14, 2019

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the federal banking agencies’ and FinCEN’s statement to encourage insured institutions to consider, evaluate, and implement innovative approaches to meet their BSA/AML compliance obligations in order to strengthen the financial system against illicit financial activity.

  34. FFIEC’s Examination Modernization Project

    January 07, 2019

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the FFIEC’s update on its Examination Modernization Project, which identifies and assesses ways to improve the effectiveness, efficiency, and quality of community financial institutions’ safety and soundness examination processes through the use of technology.

  35. Fed Issues Two New Reports

    December 19, 2018

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Federal Reserve Board’s issuance of two new reports: “Supervision and Regulation” and “Financial Stability”.

  36. Maintenance Capex and Operating Cash Flow

    December 11, 2018

    Stephen Bartoletti, a speaker and trainer with more than 30 years in commercial lending, discusses why deducting Maintenance Capex from operating cash flows became a common practice and why it is a concern.

  38. The Proper Management of PII

    November 26, 2018

    Mark Dreux, Business Development & Marketing Vice President at Digital Matrix Systems, discusses the enterprise level management of Personally Identifiable Information (PII) and how financial institutions can minimize potential risks of improper management.

  39. OFAC Cyber-Related Sanctions Program

    November 21, 2018

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Department of the Treasury’s Office of Foreign Asset Control’s (OFAC) cyber-related sanctions program and the potential impact this may have on financial institutions’ risk management programs.

  40. Business Resiliency Challenges and Strategies

    November 15, 2018

    Eric Holmquist, managing principal, ERM National Practice at Capco, discusses looking at business resiliency through a lens of enterprise risk management, and how using risk management tools can be  more effective when we think about topics that can be destructive to our world. 

  41. State of the Economy

    October 29, 2018

    Mark Zandi, Chief Economist, Moody’s Analytics, discusses the current and future state of the U.S. economy as we round out the year.

  43. Credit Grading

    October 01, 2018

    John Cassis, independent consultant and retired banker, discusses common credit-grading models.

  44. FinCEN’s Exceptive Relief

    September 25, 2018

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the Financial Crimes Enforcement Network’s (FinCEN) 90-day temporary and limited exceptive relief to covered financial institutions from the obligations of the Beneficial Ownership Rule for Legal Entity Customers for certain financial products and services that were established before the Beneficial Ownership Rule’s Applicability Date of May 11, 2018.

  46. Real Estate Concentrations

    September 04, 2018

    Dev Strischek, author of RMA’s Analyzing Construction Contractors and the instructor for RMA’s course of the same name, discusses the importance of real estate concentrations. 

  47. Emerging Risks

    August 20, 2018

    Joseph Iraci, Head of Financial Risk Management at TD Ameritrade, discusses emerging risks and the impact they have on your business.

  48. Young Professionals Podcast Series: The Intrapreneurial Way

    August 15, 2018
    RMA’s Young Professionals Audio Conference: The Intrapreneurial Way explores the role of the intrapreneur, employees who use entrepreneurial mindsets to uncover creative and profitable ways to solve problems and improve their industries for their employers.

  49. Credit Risk and Strategy

    August 06, 2018

    Mo Ramani, Executive Vice President, Enterprise Risk Services, SunTrust Banks, discusses the importance of credit risk and its impact on strategy and long-term success.

  50. Environmental Revisions to the SBA Policy

    July 31, 2018

    Kathryn Peacock is a Relationship Manager with Partner Engineering and Science. Peacock shares with us the environmental revisions to the SBA policy.

  51. What is CECL and How Will it Affect Me?

    July 23, 2018

    Zach Englert is a Business Analyst with MST. Englert helps us understand CECL, how it will affect banking, and how it relates to you and your job.

  53. Federal Agencies Issue Statement on Reform Act Implementation

    July 11, 2018

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the federal banking agencies’ statement from July 6 detailing rules and associated reporting requirements that are immediately affected by the enactment of the Economic Growth, Regulatory Relief, and Consumer Protection Act. The statement describes interim positions that the agencies will take before incorporating these changes into their formal regulations.

  55. Reform Law Implementation

    June 29, 2018

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses how the regulatory agencies will implement the provisions of the Economic Growth, Regulatory Relief, and Consumer Protection Act.

  57. Cognitive Biases and Decision Making

    June 11, 2018

    Joseph Iraci, Head of Financial Risk Management at TD Ameritrade, discusses how decision making could be affected by cognitive biases and emotions.

  59. Leveraging Data for the CRE Appraisal Process

    May 25, 2018

    Ryan Kelley, Commercial Appraisal Specialist, State Bank of Cross Plains, discusses the concept of leveraging data to enhance returns from the commercial real estate appraisal process.

  60. Memorandum Issued by U.S. Treasury Department

    May 21, 2018

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the U.S. Treasury Department’s findings and recommendations for modernization of the Community Reinvestment Act framework.

  61. Lending to Wealthy Individuals

    May 14, 2018

    Michael Stara, President, East Coast Consulting Group, discusses extending credit to high-worth individuals.

  62. U.S. Senate Votes to Overturn 2013 Guidance

    May 07, 2018

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the vote by the U.S. Senate to overturn the CFPB’s 2013 guidance, “Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act.” 

  64. Risk Appetite Framework

    April 23, 2018

    RMA Board Member Spyro Karetsos, EVP and Head of Enterprise Risk Services, SunTrust Banks; Jeremy Zierler, SVP and Head of Risk Strategy, SunTrust Banks; and Andréa D’Amore, SVP and Strategic Risk Manager, SunTrust Banks, discuss the components that make up an effective risk appetite framework.

  65. High Performance Cultures

    April 16, 2018

    Joseph Iraci, Head of Financial Risk Management at TD Ameritrade, discusses building and sustaining a high-performance culture.

  66. GCOR XII Preview: Root-Cause Analysis: Lessons Not Learned From Recent Corporate Risk Management Failures

    April 04, 2018

    Steven Minsky, CEO, Logic Manager, provides an overview of his session at RMA’s upcoming Governance, Compliance, and Operational Risk Conference to be held April 18-19, 2018. He will discuss what he calls the “see-through economy,” an age of transparency where customers and investors are empowered to fill the gap left between what regulatory oversight has not kept up with, and where new technologies and social media has filled in the gap.

  67. A Strong Third-Party Risk Management Culture (Part 2)

    April 02, 2018

    In the second installment of a two-part podcast series, Linda Tuck Chapman, President, Ontala Performance Solutions, emphasizes the importance of aligning your third-party risk management framework with your operational and enterprise risk management frameworks. 

  70. A Strong Third-Party Risk Management Culture

    March 19, 2018

    In the first installment of a two-part podcast series, Linda Tuck Chapman, President, Ontala Performance Solutions, emphasizes that effective third-party risk management can only be achieved when there is a risk-centric “tone at the top.”

  74. Liquidity and Capital Management

    February 20, 2018

    Joseph Iraci, Head of Financial Risk Management at TD Ameritrade, discusses liquidity and capital management and how each plays a critical role in ensuring firm solvency.

  75. Mulvaney Memo to CFPB Staff

    February 14, 2018

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses CFPB Acting Director Mick Mulvaney’s internal memo to all CFPB staff setting forth his intended governing philosophy as it will apply to the mission and practices of the agency.

  80. OCC’s Policy Goals

    January 25, 2018
    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the policy goals stated by OCC Comptroller of the Currency Joseph Otting.

  81. The State of the Retail Sector

    January 22, 2018

    Taylor Palmer, Madeline Hurley, and Anya Cohen of IBISWorld discuss the dynamics of a changing retail sector.

  82. Economic Outlook for 2018

    January 09, 2018

    Mark Zandi, Chief Economist, Moody’s Analytics, discusses the current and future state of the U.S. economy as we head into the new year.

  3. Celebrating 100 Years of The RMA Journal – Thomas E. Freeman

    November 20, 2017

    RMA Board Member Thomas Freeman, Corporate Executive Vice President and Efficiency and Strategic Partnerships Executive, SunTrust Banks, shares his testimonial of The RMA Journal, its impact on his career, and articles that have assisted him in his career.

  4. Regulatory Update – HMDA Data Collection

    November 06, 2017

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the FFIEC’s guidelines used to assess the accuracy of the Home Mortgage Disclosure Act data that institutions record and report.

  6. CFPB Outlines Principles to Protect Consumers

    October 30, 2017

    Bernie Mason, RMA’s Regulatory Affairs Liaison, discusses the CFPB’s principles for protecting consumers when they authorize third-party companies to access their financial data.

  9. Regulatory Update – FDIC Issues Summer 2017 Supervisory Insights

    September 27, 2017

    Bernie Mason, RMA’s Regulatory Affairs Liaison, provides an overview of two articles published in this issue: “Community Bank Liquidity Risk: Trends and Observations from Recent Examinations,” and “The Bank Secrecy Act: A Supervisory Update.”

  10. Celebrating 100 Years of The RMA Journal - Spyro Karetsos

    September 25, 2017

    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.

  12. Regulatory Update - FAQs about CECL

    September 20, 2017

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

  13. Community Banks and Credit Risk

    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.

  14. Liquidity Risk and Regulation

    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.

  15. Community Banks and Interest Rate Risk

    September 05, 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 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.

  16. Managing Reputation Risk

    August 29, 2017

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

  17. Celebrating 100 Years of The RMA Journal - Robert Messer

    August 14, 2017

    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.

  18. SEC Settlement Cycle Guidance

    July 31, 2017

    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.

  19. Updating Your Credit Policy

    July 25, 2017

    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. 

  20. Developing Credibility: Integrity, Knowledge, Competence

    July 11, 2017

    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.

  21. Weekly Regulatory Update – Week of June 26, 2017

    June 29, 2017

    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.

  23. Weekly Regulatory Update – Week of June 12, 2017

    June 14, 2017

    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.

  24. Model Convergence

    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.

  25. Weekly Regulatory Update - Appraiser Waiver Advisory

    June 01, 2017

    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.

  26. The Advent of PACE Lending

    May 23, 2017

    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.

  27. Weekly Regulatory Update - Week of May 15, 2017

    May 16, 2017

    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.

  28. An Overview of the CFPB’s Spring 2017 Supervisory Highlights

    May 11, 2017

    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.

  30. Risk Management and Data Science

    May 08, 2017
    Joseph Iraci, Head of Financial Risk Management, TD Ameritrade, discusses how risk management has evolved and its growing alignment with data science.

  32. Weekly Regulatory Update – Week of April 10, 2017

    April 11, 2017

    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.

  34. Weekly Regulatory Update – Week of March 27, 2017

    March 27, 2017

    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. 

  36. Corporate Tax Reform in 2017

    March 14, 2017

    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.  

  37. Insurance Risk of a Contractor

    March 07, 2017
    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.

  38. Weekly Regulatory Update – Week of February 20, 2017

    February 23, 2017

    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. 

  39. The Risk of Long-Term Auto Loans

    February 21, 2017

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

  40. Identifying and Mitigating Character Flaws of Clients Before It’s Too Late

    February 07, 2017

    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. 

  41. Weekly Regulatory Update – Week of January 30, 2017

    January 31, 2017

    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.

  42. The State of the Economy

    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.

  43. The Importance of a Strong Risk Culture

    January 09, 2017

    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.

  44. Weekly Regulatory Update – Week of January 2, 2017

    January 05, 2017

    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. Setting Cyber Security Policy Audio Conference

    September 13, 2017

    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.

  4. Weekly Regulatory Update – Week of November 7, 2016

    November 10, 2016

    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.

  5. Best Practices in Risk Identification Frameworks

    November 08, 2016

    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.

  6. Surprise! Market Theories Fail in Real-World Tests

    October 25, 2016

    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.

  7. Weekly Regulatory Update – Week of September 26, 2016

    September 29, 2016

    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.

  9. RMA’s Operational Risk Management Fundamentals Certificate

    September 15, 2016
    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.

  10. Credit Risk Data Integrity

    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.

  11. Weekly Regulatory Update – Week of August 22, 2016

    August 23, 2016
    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.

  13. Regulatory Update - 6-14-2016

    June 14, 2016
    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.”

  14. Regulatory Update - 4-13-2016

    April 13, 2016
    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.

  15. RMA Taxonomy Survey Results

    March 11, 2016

    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.

  16. CFPB and Accuracy of Banking Information

    February 23, 2016
    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. Regulatory Update – 12-17-2015

    December 17, 2015
    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. Construction Loan Risk Management

    November 19, 2015

    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. Tax-Refund-Related Products and Military Lending Act Rule

    August 26, 2015

    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. Prepare Now for an Interest Rate Hike

    August 17, 2015

    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. RMA Social Media Survey

    August 12, 2015

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

  6. Comment Periods for Impending Rules

    July 28, 2015

    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.

  8. Highlights from Benhart Speech

    June 11, 2015

    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.

  9. FDIC and Customer Relationships

    June 11, 2015

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