Flowers: What is the ‘new normal’ for small businesses?

More insights

Three Crises. One Pattern. And We're Watching It Again.

Three credit dislocations across four decades, Texas energy & real estate, the dotcom IPO boom, and today's private-credit market, share one behavioral sequence. Why this one looks familiar.

Risk & Compliance

Article

Safeguarding the Financial Services Industry Against Top Cybersecurity Threats in 2025 by Endurance Advisory and Summit Financial Group

Average breach cost in financial services reached $4.88 million. Ransomware, insider threats, and vendor risk in 2025, plus what the retirement of the FFIEC assessment tool means for examinations.

Risk & Compliance

In the Media

2024: Another Year of Regulatory Intensity by Stephen Curry

A look at the regulatory intensity facing banks in 2024, by Stephen Curry.

Risk & Compliance

Article

2024 Regulatory Intensity

Why 2024 was a hard year for banking-as-a-service, and what the Synapse collapse showed about fintech-partner risk.

Risk & Compliance

White Paper

Managing Commercial Real Estate Concentrations in a Challenging Economic Environment

The FDIC advisory on commercial real estate concentrations, replacing the 2008 guidance. Capital, allowance levels, and credit risk-management practices, plus the liquidity risks that compound them.

Risk & Compliance

White Paper

Ten Key Regulatory Challenges of 2024

We are experiencing a level of regulatory intensity rarely seen—not the simple effect of "net-new" regulations but the combination of a high volume of regulatory issuances, the complexity and breadth of regulatory supervision, and the impact that these changes impose across the organization.

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.

Risk & Compliance

Article

Implementing Enterprise Risk Management - A Guide to the "why" and "how"

What enterprise risk management means for banks, why regulators are asking for it, and how to implement it.

Risk & Compliance

Article

Data-Driven Risk Management is Critical to Survive and Thrive

The financial services industry's increasing intricacy, combined with recent adverse events, has heightened regulatory scrutiny on banks. This is further compounded by liquidity challenges, creating a landscape of unprecedented risk management demands.

Digital & AI

In the Media

Business Viewpoint: Improving efficiency, implementing new technology, can generate big business improvements

Stephen Curry discusses the acceleration of digitization, and how the pandemic has forever changed how customers interact with businesses. Delaying adoption of digital will only limit your ability to compete and shorten the future of your business.

Risk & Compliance

In the Media