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.

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.

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

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.

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.

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.

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.

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.

Branan Cooper, Chief Risk Officer, Venminder, discusses the due diligence process of an effective third-party risk management program.

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.