The Risk Management Association

07/03/2025

The recent U.S.-China tariff pause eased recession fears and sparked a market rally, but for banks and their borrowers, the road ahead still looks bumpy.

With tariffs holding at historically high levels, business margins remain under pressure and credit risk is shifting across sectors. In this week’s Insider, economist John Silvia and other experts unpack the implications for loan demand, inflation, and the Fed’s next move.

Read the full breakdown of what this truce really means for bank risk. https://bit.ly/4nwiszh

As banks scramble to determine how tariffs could affect the creditworthiness of individual business borrowers, their potential to weigh down an economy that was already showing signs of weakness could also pose challenges for financial institutions. This week, we’re returning to our conversation w...

11/08/2024

As generative AI transforms banking, the need for strong governance has never been more urgent. RMA is re-broadcasting Look Before You Leap: Establishing a Governance Framework for AI at Your Bank on November 13, giving you another chance to explore how to safely implement AI technologies. This webcast will dive into key use cases, offer strategies for enhancing your enterprise AI framework, and guide you on balancing innovation with risk management. Be sure to join the live Q&A for a chance to get your questions answered by the presenter, register here: https://www.rmahq.org/event/698711385

11/07/2024

For over a century, RMA Statement Studies has been the go-to source for trusted financial benchmarking data, empowering small and medium-sized businesses with essential insights. Our data, relied upon by thousands of financial professionals, provides the foundation for informed, growth-driven decisions.
We’re thrilled to announce the release of the 106th edition of Statement Studies, offering in-depth reports across 750+ industries. This latest update wouldn’t be possible without our trusted partners, whose contributions fuel the industry benchmarks.
Don’t miss out on the chance to explore fresh insights and drive your business forward: https://www.rmahq.org/statementstudies?gmssopc=1

11/06/2024

Join us at the RMA Annual Risk Management Virtual Conference and learn from industry giants like James Lam. As a renowned risk expert and former Chief Risk Officer at Fidelity Investments, James will share invaluable insights on navigating today's complex financial landscape. Discover how to mitigate emerging risks, enhance traditional risk practices, and thrive in a fast-evolving world. Learn more and register here: https://www.rmahq.org/conferences/2024-annual-risk-management-virtual-conference/

11/04/2024

With Election Day approaching, the 2024 presidential race could bring significant change to the banking industry, as policies from Kamala Harris and Donald Trump diverge widely on key issues. From regulations and taxes to consumer protection, banks face a unique period of uncertainty as each candidate’s approach could reshape financial services. A new RMA Journal article explores what each potential administration might mean for the future of banking.

As election day approaches in a presidential race that, at least in terms of polling, is one of the closest ever, uncertainty prevails. But in a polarized nation, many are certain that who wins the White House will have major consequences for the path of the United States.

10/30/2024

Don’t miss the 2024 RMA Annual Internal Audit Conference and discover how to make your internal audit function a strategic partner. Learn from industry leaders and regulators, stay ahead of the curve on emerging risks and regulatory trends, and connect with peers from across the financial industry.
Learn more on our website about all sessions and speakers, including our Regulator Panel. Hear firsthand from regulators on key priorities, lessons learned, and emerging themes.
Speakers include:
Cheryl Bradley, Federal Reserve Bank of Atlanta
Kristin Bogue, OCC
Ira Goldberg, RSM
Bill Wollman, FINRA
Register here: https://www.rmahq.org/conferences/internal-audit-conference/

10/28/2024

Missed the chance to catch RMA’s popular webcast on AI governance? You’re in luck! Join us for a re-broadcast of Look Before You Leap: Establishing a Governance Framework for AI at Your Bank on November 13 at 1 p.m. ET. Generative AI is a gamechanger, but its risks require careful management. This session will provide a clear roadmap for building a responsible AI framework, so your bank can harness the power of AI while protecting against potential pitfalls. Don’t miss the live Q&A chat with the presenter for real-time insights, register here: https://www.rmahq.org/event/698711385

10/24/2024

Elevate Your Internal Audit Game at the 2024 RMA Annual Internal Audit Conference!
Join us for a conference packed with insightful speakers, relevant topics, and networking opportunities with peers from a variety of financial institutions.
Position internal audit as a strategic partner within your organization, stay up-to-date on the latest regulatory landscape and emerging risks, and learn from industry experts and peers to enhance your internal audit practices.
Learn more and register here: https://www.rmahq.org/conferences/internal-audit-conference/

10/21/2024

The recent changes to the Community Reinvestment Act (CRA) bring new compliance challenges, especially as banks are now evaluated on both their physical branches and online lending activities. In this Q&A, Linda Ezuka, founder of CRA Today, offers practical strategies to help banks incorporate these new requirements. From managing expanded geographic assessment areas to building stronger community partnerships, Ezuka shares insights on how banks can align their goals with CRA compliance without straining resources. Read the full article for guidance on navigating the evolving CRA landscape.
https://www.rmahq.org/blogs/2024/q-a-how-banks-can-stay-ahead-of-cra-rule-changes/

The recent overhaul of the Community Reinvestment Act (CRA) presents banks with new compliance challenges, particularly in how they manage lending in both traditional and online environments. To provide practical guidance on navigating these changes, we spoke with Linda Ezuka, founder of CRA Today,....