ASSET/LIABILITY MANAGEMENT
Our expert authored the FDIC's Market Risk ('S' Component) guidance, designed the FDIC's interest rate risk assessment system, built ALM programs at banks and credit unions as an executive officer, and has assisted many institutions improve risk management, increase earnings, and resolve regulatory challenges.
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Advising or managing the ALCO process.
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Running your ALM/IRR model or providing a model.
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ALCO & Director training.
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Custom reports for sharper insights to inform decisions.
- Independent review including model backtesting.
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Policy development and regulatory challenges.
ALCO Consulting & Modeling
When you need a consultant who actually is an expert* to advise your ALCO, run your model, or manage your program, BCU Logic will customize solutions for your needs and budget. ​
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* Many consultants lack a proven track record of ALM success at a financial institution (some have never worked for one at all). Why take guidance from someone with less experience and expertise than yourself?
Director & ALCO Training
BCU Logic provides effective ALM training with a focus on Board and ALCO responsibilities and regulatory issues. We deliver training in a variety of formats for any group's needs so your team will learn to use ALM to manage risk and profitability. We have trained thousands of directors, executives, and staff at banks, credit unions, and farm credit institutions, plus we have also trained over 1,000 regulators from the FDIC, OCC, Treasury, NCUA, and other agencies.
Independent Review / Model Validation / Backtesting
Sleep soundly knowing your ALM program and model are effective. Over the years, we have found models that were inadequate for an institution's risk profile, relied on bad data, or used faulty formulas. In addition, we have identified many reporting errors. BPS will customize a review to your needs that can include policy, process, reporting, staff, and model validation with backtesting.