The Deposit Risk Roundtable provides a platform for consumer deposit portfolios’ risk management executives to identify best-in-class risk management strategies, as well as effectively evaluate the economic environment, technology developments and key industry developments impacting the deposit product line. Session combines content from subject matter experts and open discussion among members.

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Sample meeting topics include:

Deposit Underwriting: 

• Underwriting flow: Tools and data sources used to determine deposit applicants’ level of risk for decisioning account.
• Access and limits: Factors determining initial access and limits for new accounts and process to expand access as accounts age.

Overdraft Program Management:

• OD Program: Factors leverage in OD program to include attributes used to determine dynamic limits and allowable OD duration.

Funds Availability and Limit Management:

• Deposited fund 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.

Response to Regulatory Feedback:

• Industry shifts based on regulators: Industry perspectives on recent regulatory changes and feedback (NSF program changes, “junk fees”)