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Insights

Insights, organized by the work.

Articles, white papers, media appearance & firm news, grouped by the six areas where we advise banks.

Featured
General

Surviving the Shadow: My Journey with Cancer and the Power, and Importance, of Early Detection

Stage 3B Hodgkin's lymphoma at 22, in 1984, when there were no records of long-term survival at that stage. A first-person case for early detection and for taking ownership of your own diagnosis.

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General
Newsletter

This Month at Endurance #46

Firm newsletter featuring Sandip Bhatlawande on the risk-reward balance of AI in banking.

Risk & Compliance
In the Media

Developing Client Selection Strategy

Every bank needs a stated client selection strategy. A guide for sales management, and what compliance and audit should look for. Published in ACAMS Today.

Digital & AI
In the Media

Your Voice Column: Success in the Era of FinTech

A digital customer experience is no longer a benefit; it is a requirement. What lenders must deliver across channels and devices, and the security expectations that come with it.

M&A & Corporate Finance
In the Media

Should Your Firm Join The Mortgage IPO Boom? Consider These Facts First

Stephen Curry provides insights around the mortgage IPO boom in his byline for National Mortgage News.

Risk & Compliance
In the Media

Exiting Relationships: Ten Steps to a Successful Client Exit Strategy by Dr. Kathleen Gowin

Where existing client relationships fall outside your selection strategy, it may be time to exit them. A ten-step approach, published in ACAMS Today.

Digital & AI
In the Media

Curry: Financial Institutions Must Embrace Digital

Stephen Curry on why financial institutions must embrace digital strategies built around a consumer-friendly platform.

General
Article

Surviving the Shadow: My Journey with Cancer and the Power, and Importance, of Early Detection

Stage 3B Hodgkin's lymphoma at 22, in 1984, when there were no records of long-term survival at that stage. A first-person case for early detection and for taking ownership of your own diagnosis.

Operations & Conversions
White Paper

Five Themes for 2021 Mortgage Banking

Five key themes will dominate mortgage lending in 2021. While 2020 was catastrophic for many people and businesses, persistent low interest rates made it a banner year for mortgage production. Now the Federal Reserve expects to hold the line on rates at least until 2023, and mortgage production should stay at full capacity through 2021. This high-volume and high-margin environment is great for profitability. Persistent low rates and strong earnings provide a window of opportunity to raise capital and/or monetize investors' equity. Executing an IPO requires a lot of time and hard work – 4-6 months during which IPO execution will feel like a second full-time job for key executives; it also requires operational improvements, improved internal controls, and very disciplined execution. An IPO is not for everyone (for details, see our research on IPOs). Most mortgage businesses will not benefit from the IPO trend. However, all can take advantage of the robust market for capital raising. This is the best opportunity to raise capital and/or monetize equity in 20 years, and it may not last long.

Risk & Compliance
Article

Model Risk Management – What It Is, and Why It Is Important

Model Risk Management (MRM) is a systematic process used by financial institutions (FIs) to govern, evaluate, and mitigate risks related to the utilization of mathematical models and quantitative techniques in their operations, particularly in the context of internal controls and governance for financial operations. These procedures are designed to reduce risks stemming from models and ensure their effective management. Initially considered necessary mainly for large banks employing data-driven forecasting models, this expectation now extends to smaller and midsize banks as well. Errors in spreadsheets and the data supporting them have become commonplace, especially given the advanced data modeling required for portfolio management and asset-liability management, which are both heavily reliant on data and models.

Regulatory & Remediation
White Paper

Affiliate Restrictions Considerations for Non-Banks Converting to, or Acquiring, a Bank

Regulation W caps affiliate lending at 10 percent of capital and requires arm's-length pricing on payments, derivatives, and asset transfers. What a non-bank needs to understand before acquiring a charter.

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