1 THE RISK MANAGEMENT ASSOCIATION Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE MEMBERSHIP The Risk Management Association Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE MEMBERSHIP TYPES There are two types of RMA Membership: • Institutional Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance • Individual JOIN ENGAGE INSTITUTIONAL MEMBERSHIP • Banks, thrifts, investment banks, insurance companies, regulatory and supervisory authorities, government and quasi-government entities • Canadian credit unions, but not U.S credit unions • Any institution active in lending, including nonbank financial institutions (finance/leasing companies) • Dues based on the total assets of the institution Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE INDIVIDUAL MEMBERSHIPS Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE INDIVIDUAL PROFESSIONAL MEMBERSHIPS CONT.) Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE Benefits of Membership The Risk Management Association Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE INSTITUTIONAL MEMBERSHIP BENEFITS • Two individual Associate memberships: Senior and Alternate • Annual Statement Studies • RMA member pricing on all products and services for entire organization • Industry best practices • Invitations to specialized round tables Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE INSTITUTIONAL MEMBER BENEFITS, CONT • Free downloads of the Enterprise Risk Management workbook series • Free Board Briefings Web Seminars • Access to a number of free credit and operational risk web seminars Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 10 INDIVIDUAL MEMBERSHIP BENEFITS • Associate member pricing • RMA Journal subscription/digital Journal • Free downloads of articles and study packs • Regulatory Insider – regulatory and industry updates • Member roster* • Free downloads of studies (surveys) • Opportunity to serve on a local or national board, council, or committee Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 66 IN-HOUSE TRAINING (IN-BANKS AND PUBLICATION PURCHASES) • Ideal for banks with a need to train approximately 20 people • RMA instructor sent to the institution • Can tailor to meet bank’s needs • Customization also available Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 67 OPEN ENROLLMENTS • Held in various cities across North America • Scheduled by the chapter based on the needs of the market • Most classes are one day long; some two-day classes • Week-long Lending Academy Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 68 FORUMS SPECIALIZED TRAINING • Real Estate Appraisal Managers Forum • Commercial Real Estate lending Forum • Loan Operations Managers Forum • Loan Review Department Managers Forum • Credit Department Managers Forum • Health Care Lending Forum • ERM Forum • Operational Risk Forum Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 69 WORKSHOPS AND OTHER SPECIALIZED TRAINING • Credit Department Managers Workshop • Credit Portfolio Management Workshop • The Risk Management School • Liquidity Risk and Asset Liability Management Seminar • Operational Risk Management Discussion Group Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 70 Risk Disciplines The Risk Management Association Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 71 ENTERPRISE RISK MANAGEMENT (ERM) Enterprise risk management (ERM) is a framework to reduce earnings volatility through a robust risk governance structure and strong risk culture, supported by sound risk management capabilities It is the organization’s enterprise risk competence—the ability to understand, control, and articulate the nature and level of risks taken in pursuit of business strategies—coupled with accountability for risks taken and activities engaged in, which contributes to increased confidence shown by stakeholders Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 72 ERM EVENTS AND OFFERINGS • The Risk Management School • ERM Seminars • ERM forums and round tables • ERM workbooks: – Risk Appetite – Stress Testing – Governance – More to come Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 73 THE ADVANCED RISK MANAGEMENT PROGRAM AT THE WHARTON SCHOOL • Two-week risk management program offered at the Wharton School (2 one-week sessions) • Focuses on credit, market, operational, business, strategic, and reputation risks • Designed for risk managers and executives on track for broader assignments Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 74 CREDIT RISK • Annual Risk Management Conference • Risk Management Audio Conference Series • Round tables • Forums • Web seminars • Credit Risk Certification • Credit Skills Certificate Series Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 75 OPERATIONAL RISK OFFERINGS • GCOR – annual Governance, Compliance and Operational Risk Conference (Boston) • OpRisk Forum, held in conjunction with the Annual Conference • ORMDG – Operational Risk Management Discussion Group (Chicago, San Francisco, Philadelphia, Charlotte) • Advanced Operational Risk Class.  • Operational Risk Experience Class • Detecting and Preventing Fraud in Commercial Lending • Operational Risk for Regional and Community Bankers Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 76 OPERATIONAL RISK OFFERINGS (CONT.) • Web Seminars – Key Risk indicators: What They Are and Why You Need Them – Operational Risk: An Overview – Practical Approaches to Operational Risk Management for Regional and Community Banks • AMA Group • Operational Risk: computer-based interactive instruction course designed for any individual or small institution interested in an introduction to or an overview of operational risk management • Industry position papers • Meetings with Fed, OCC, FDIC, and CFPB Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 77 OPERATIONAL RISK BENCHMARKING • Operational Risk Round Table Series (invitation-only; by bank’s asset size) • Range of practice surveys: – Scenario Analysis Range of Practice – KRI survey – Data and Capital Range of Practice – Fiduciary Risk • Operational Risk E-Newsletter (for members only) Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 78 REGULATORY COMPLIANCE • With a finger on the pulse of the financial services industry, RMA acts as a liaison between institutions and bank regulatory agencies to bring you the latest updates, meeting often with industry regulators to discuss issues of mutual concern • As a not-for-profit, professional association, RMA does not lobby on behalf of the industry Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 79 REGULATORY COMPLIANCE (CONT.) • Regulatory Insider • Regulatory Roundup – eNewsletter • RMA Capital Working Group • Response to notices of proposed rulemaking (NPR) • Regular visits with regulatory agencies Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE 80 Thank You! The Risk Management Association Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance JOIN ENGAGE