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The Importance of Restructuring HELOCs before End-of-Draw
Home equity lines of credit (HELOCs) originated during the U.S. housing boom period of 2006 – 2008 will soon approach their scheduled maturity or repayment phases, also known as “end-of-draw”.  These 10 year interest only loans will convert to an amortization schedule...
Building a Generation of Relationship Bankers: One Branch at a Time
By: Kyle Enger, Executive Vice President of Finagraph Small business remains one of the largest and most profitable client segments for banks. They provide low cost deposits, high-quality loans and offer numerous cross-selling opportunities. However, recent reports...
Capital adequacy requirements continue to evolve. Are you prepared?
Complying with complex and evolving capital adequacy regulatory requirements is the new reality for financial service organizations, and it doesn’t seem to be getting any easier to comply in the years since CCAR was introduced under the Dodd Frank Act.  Many banks that...
The Importance of Restructuring HELOCs before End-of-Draw
Home equity lines of credit (HELOCs) originated during the U.S. housing boom period of 2006 – 2008 will soon approach their scheduled maturity or repayment phases, also known as “end-of-draw”.  These 10 year interest only loans will convert to an amortization schedule...
Building a Generation of Relationship Bankers: One Branch at a Time
By: Kyle Enger, Executive Vice President of Finagraph Small business remains one of the largest and most profitable client segments for banks. They provide low cost deposits, high-quality loans and offer numerous cross-selling opportunities. However, recent reports...
Capital adequacy requirements continue to evolve. Are you prepared?
Complying with complex and evolving capital adequacy regulatory requirements is the new reality for financial service organizations, and it doesn’t seem to be getting any easier to comply in the years since CCAR was introduced under the Dodd Frank Act.  Many banks that...
What is behind the numbers?
  Do you really know where your commercial and small business clients stand financially?  I bet if you ask your commercial lending relationship managers they will say they do -  but do they really?  The bigger question is how you could be more tied into to your business...
An Apple Pay solution that keeps fraud away
Apple Pay is here and so are increased fraud exposures, confirmed losses, and customer experience challenges among card issuers. The exposure associated with the provisioning of credit and debit cards to the Apple Pay application was in time expected as fraudsters are...
Understanding Gift Card Fraud
by Angie Montoya Gift cards have risen in popularity over the last few years — the National Retail Federation anticipated more than $31B in gift card sales during the 2014 holiday season alone. Gift cards are the most requested gift item, and they have been for eight...