Navigating Risk in Deposit Portfolios

The Deposit Risk Roundtable is a peer forum for senior executives managing credit, fraud, and product risk across consumer deposit accounts. Members engage in candid conversations about underwriting strategies, overdraft decisioning, and funds availability policies—along with the evolving compliance environment that governs them. The group offers a unique opportunity to benchmark program design, explore regulatory interpretations, and anticipate shifts in deposit-related risk exposure.

Who Should Join

This group is designed for executives responsible for credit and product risk in the deposit space, including Heads of Deposit Credit Risk, Directors of Overdraft or Deposit Hold Strategy, and leaders overseeing fraud prevention or broader portfolio performance in checking products.

Why It Matters

Consumer deposit accounts are foundational—but also under increasing scrutiny from regulators and advocacy groups. Managing limits, holds, and availability rules requires institutions to balance risk, experience, and fairness. Through custom surveys and peer dialogue, members gain clarity on how others are adapting deposit policies, preparing for examinations, and aligning internal controls to support safe, scalable growth.

Hot Topics

• Deposit Underwriting: Tools and data sources used to determine deposit applicants’ level of risk for decisioning account, access and limits.
• Overdraft Program Management: Factors leveraged in OD program to include attributes used to determine dynamic limits and allowable OD duration.
• Funds Availability: Process and attributes to determine risk of accountholder and deposited item to determine funds availability across all channels.
• Limit Management: Determining limits across channels and processes for aggregating transaction limits to prevent channel shift to more vulnerable process flows.