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Thursday, October 16, 2014

2:00 p.m. - 2:45 p.m.
Track: Data-Driven Decisions View Track

DFAST OR NOT SO DFAST: ONE SIZE DOES NOT FIT ALL

Charyn Faenza, Manager of Corporate Business Intelligence Systems, FIRST NATIONAL BANK
Peter L. Cherpack, Senior Vice President, Director, ARDMORE BANKING ADVISORS, INC

The impact of increased regulatory burden on all banks resulting from the recent economic crisis has been severe. In response to the pressure for improved risk management community banks have turned to new proactive risk management technology and data management techniques to prove anf improve their risk control.

These new processes include: proactive capital planning, concentration management and portfolio stress testing. Larger community banks are also preparing for or addressing Dodd Frank Stress Testing (DFAST).

What is expected by the regulators and how should community banks of different sizes approach such proactive approaches and models? While some expectations from the regulators for  smaller banks are considered more modest, the modeling, validation and governance processes are essentially the same. The discussion includes an exploration of the DFAST requirements aimed towards middle market community banks and other simpler models for smaller banks.

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