Banking and Finance

Recent Posts

Banking: Are customers really committed to Mobile Payments? [Infographic]
Posted on 8 May 2014 by Sheshunoff Team

Debit and credit cards still reign as the preferred payment method today, but with mobile device usage continually growing and with the advent of new technologies (and currencies), the "digital wallet" is becoming a more viable alternative.... Read More

Profits and Perils of Remote Deposit Capture - Interview w/ Terrie Cloud
Posted on 8 May 2014 by Sheshunoff Team

In our latest post, we talked about how mobile payments will impact mobile banking apps in the near future, and how customers are using cash less frequently. In an environment heading towards digital wallets and mobile payments, and with banks reducing... Read More

Measuring ROI: Using the Net-Present-Value Approach (Part 2/3)
Posted on 30 May 2014 by Jon Allen

Dont miss Part 1 of the Measuring ROI series: Using the Payback Approach , by Jon Allen The goal of financial management in a company is to maximize the value of the company’s stock. Managers need ways to determine whether a project being considered... Read More

Fair Lending and Reg B requirements for Commercial Lending [VIDEO]
Posted on 17 Jun 2014 by Sheshunoff Team

This is the first post in our "Understanding Fair Lending" series based on a recent fair lending webinar with Jerry Miller. 9 more articles will come over the next week. You can download the full webinar here . Not long ago we held a free... Read More

Measuring ROI: Using the Payback Approach (Part 1/3)
Posted on 6 May 2014 by Jon Allen

Dont miss Part 2 of the Measuring ROI series: Using the Net-Present-Value Approach , by Jon Allen The goal of financial management in a company is to maximize the value of the company’s stock. Managers need ways to determine whether a project... Read More

Addressing The Fairness of Fair Lending Regulation and Compliance Structures
Posted on 20 May 2014 by Sheshunoff Team

Update - you can now download the full webinar, free. The CFPB accurately claims that access to responsible credit is still a challenge for many consumers. To that regard, regulatory financial laws such as the Equal Credit Opportunity Act (ECOA) and... Read More

Measuring ROI: Using the Internal-Rate-of-Return Approach (Part 3/3)
Posted on 18 Jun 2014 by Jon Allen

Dont miss Part 1 of the Measuring ROI series: " Using the Payback Approach ", and Part 2: Using the Net-Present-Value Approach , all by Jon Allen The goal of financial management in any company is to maximize the value for its owners. Managers... Read More

ACH Compliance Webinar: Understanding Regulations that Affect ACH Transactions
Posted on 16 Apr 2014 by Marge Simmons

Every year there are new or enhanced compliance requirements for processing payments. The biggest challenge is knowing when you have satisfied all of the appropriate requirements for all of the regulations. In addition to complying with the NACHA Operating... Read More

Dealing with HMDA Data Proxies - Recommendations and Statistical Thresholds [VIDEO]
Posted on 25 Jun 2014 by Sheshunoff Team

This is the third post in our "Understanding Fair Lending" series based on a recent fair lending webinar with Jerry Miller. The first article ( Fair Lending and Regulation B ) is available and 7 more are coming. You can download the full webinar... Read More

Bitcoin Regulation - Addressing Compliance & Risk Issues for Financial Institutions [WEBINAR]
Posted on 11 Jun 2014 by Sheshunoff Team

In 2009, a talented programmer (or group of programmers) released the first virtual currency protocol, known as Bitcoin. The Bitcoin protocol, essentially a robust P2P payment system , has now spun several other virtual currencies (Litecoin, Dogecoin... Read More

BSA/AML Compliance – The Importance of Currency Transaction Reports (CTRs)
Posted on 1 May 2014 by Sheshunoff Team

Currency Transaction Reports have been around since the Money Laundering Control Act of 1986, and along with its stricter Suspicious Activity Report progeny implemented in 96, have greatly contributed to a financial institution’s compliance workload... Read More

Loan Grading & Risk Scoring under Basel III - Interview w/ Rob Newberry
Posted on 14 May 2014 by Sheshunoff Team

Can your financial institution survive the next economic downturn? The recent financial crisis demonstrated how unexpected economic downturns and rapid deterioration in market conditions can significantly harm a bank’s financial condition and economic... Read More

The Impact of Person-to-Person (P2P) ACH Payments for RDFIs and ODFIs [VIDEO]
Posted on 3 Apr 2014 by Marge Simmons

NACHA's P2P rules , approved March 7 of last year, went into effect 3/21/2014 and addresses necessary changes to handle the Individual ID field, as well as the proper use of the WEB credit by Originators. In a recent Sheshunoff Webinar , I presented... Read More

Loan Denials using Proprietary Score Models vs FICO Scores - Reg B Concerns?
Posted on 25 Jun 2014 by Sheshunoff Team

This is the second post in our "Understanding Fair Lending" series based on a recent fair lending webinar with Jerry Miller. The first article ( Fair Lending and Regulation B ) is available and 8 more are coming. You can download the full webinar... Read More

Does UDAAP apply to Commercial Lending?
Posted on 25 Jun 2014 by Sheshunoff Team

This is the fourth post in our "Understanding Fair Lending" series based on a recent fair lending webinar with Jerry Miller. The first article ( Fair Lending and Regulation B ) is available and 6 more are coming. You can download the full webinar... Read More