Transcript Slide 1

1
THE RISK MANAGEMENT
ASSOCIATION
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MEMBERSHIP
The Risk Management Association
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MEMBERSHIP TYPES
There are two types of
RMA Membership:
• Institutional
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• Individual
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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.
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INDIVIDUAL MEMBERSHIPS
Associate
• Only an employee
of an Institutional
member of RMA
may become an
Associate.
• Annual Associate
membership dues:
• $75.
• Chapter fees are
additional (if
applicable).
Continuing
Associate
CRC
Associate
• Former Associates
who have moved
to nonmember
institutions.
• $150
• Individual member
who has passed
the CRC exam and
is with a
nonmember bank.
• $260
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INDIVIDUAL MEMBERSHIPS (CONT.)
Professional
Members
• Individuals from
professional
services firms
(accounting, law,
consulting, etc.).
• Annual
Professional
membership
dues:
• $275.
• Chapter fees
are additional
(if applicable).
Academic
• Professors teaching
risk management fulltime
at accredited
institutions.
• $175
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Student
• Full-time students
with risk
management major
(business, finance,
accounting, etc).
• Free
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Benefits of Membership
The Risk Management Association
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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.
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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.
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Chapter Tips: Membership Recruitment
The Risk Management Association
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CHAPTER TIPS: TYPES OF MEMBERSHIP
• Institutional membership does not automatically make
you an individual (associate) member.
• Professional members provide diversity, expertise, and
networking opportunities.
• Academic and student memberships can build
nontraditional connections with the educational
community.
• TIP: Individual memberships of all types are an underutilized opportunity for most chapters (low-hanging fruit).
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CHAPTER TIPS: MEMBERSHIP CAMPAIGN
• Ongoing throughout the year.
• Use as a motivational tool.
• Offer local incentives.
• Use board member contacts.
• Work closely with RMA HQ and your Regional Manager.
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CHAPTER TIPS: RECRUITMENT TOOLS AND TIPS
Offer a
complimentary
meeting to
nonmembers
1
5
Consider nonmember
banks who have
recently hired a former
RMA Associate
Identify unreached
institutions.
2
Consider a
broader
geographic base
4
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3
Focus on institutions with
increased attendance.
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Chapter Tips: Membership Retention
The Risk Management Association
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INFORMATION AND COMMUNICATION
• Information is powerful.
• Communicate with members regularly.
• Publish regular newsletters to communicate key chapter
activities and recognize members.
• Use various channels of communication.
• Use the slide deck at chapter meetings to communicate
information about RMA.
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PERSONAL TOUCH
• Make your members feel important and appreciated.
• Recognize members in newsletters or at meetings.
• Develop a “new member’s welcome packet.”
• Make sure members know the key chapter
personnel/officers.
• Assign board members to personally welcome new
members at chapter meetings.
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PERSONAL TOUCH
• Involve members as much as possible.
• Programs need to focus on relevant topics/speakers.
• Conduct periodic surveys of members to insure that their
needs are being met.
• Listen to suggestions from the members.
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RMA Member-Get-a-Member Program
The Risk Management Association
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RMA MEMBER-GET-A-MEMBER PROGRAM
• Members recruiting new members.
• All Associate and Professional members are eligible.
• Enroll to become a liaison:
– Form available in brochure.
– Or register online.
• New member must fill in the “referred by” line on the
application.
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RMA MEMBER-GET-A-MEMBER PROGRAM (CONT.)
• Program runs from August 1 through June 30.
• Different award levels based on number of recruits.
• Liaisons (One Star and above) will be recognized in The
RMA Journal and on the website.
• All liaisons who achieve a One Star level or higher, will
receive a special membership card and a special gift.
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RMA MEMBER-GET-A-MEMBER PROGRAM: AWARD LEVELS
One Star
Liaison:
5 recruits
Two Star
Liaison:
10 recruits
• 10% discount on RMA
products/open enrollments.
• $10 Starbucks gift card.
• 10% discount on RMA
products/open enrollments.
• $25 Amazon gift card.
• Free individual membership for a
year.
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RMA MEMBER-GET-A-MEMBER PROGRAM: AWARD LEVELS (CONT.)
Three Star
Liaison:
15 recruits
Four Star
Liaison:
Top recruiter
(must achieve
Three Star level
to be eligible)
• 10% discount on RMA products/open
enrollments.
• $50 Amazon gift card.
• Free Individual membership for a year.
• Free registration and recognition at
RMA Annual Conference.
• All awards of the Three Star Liaison.
• Free registration and 2 nights hotel
stay at RMA Annual Conference.
• Plaque awarded at RMA Annual
Conference.
• Invitation to Chairman’s Dinner at RMA
Annual Conference.
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Chapter Membership Campaign
The Risk Management Association
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CHAPTER MEMBERSHIP CAMPAIGN:
INSTITUTIONS
• Chapter recruits new institutions year round:
– Campaign runs June 1 – May 31.
• No need for special application, chapter automatically
receives credit for new recruits.
• Chapter gets a $100 rebate for banks recruited June
through January and a $50 rebate for banks recruited
February through May.
• Chapter gets a $100 rebate for banks that renew in the
second year.
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CHAPTER MEMBERSHIP
CAMPAIGN: INDIVIDUALS
Chapters will receive a
monetary rebate based
on net percent increase
in total individual
members:
10–19.9% = $200
rebate.
20–30% = $300
rebate.
2–9.9% = $100
rebate.
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RMA CHAPTERS
The Risk Management Association
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RMA CHAPTERS
Chapters are the face of RMA. To many
members, the chapters are RMA.
Run by local volunteers.
115 active chapters in North America.
Four international chapters.
Independent entities.
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WHAT DO CHAPTERS OFFER?
•General membership
meetings.
•Networking events.
•Educational events – open
enrollments and locally
developed courses.
•Round tables.
•Affinity group meetings
(Young Professionals,
Compliance, Women in
Banking).
•Scholarships.
•Charity events.
•University activities.
•Internship programs.
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Chapter Resources
The Risk Management Association
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RMA JARGON
• RM = Regional Manager.
• RE = Regional Executive (former title of RM).
• OE = open enrollment (educational courses).
• HQ = headquarters.
• LDP = Lending Decision Process.
• CSCS = Credit Skills Certificate Series.
• RMA U = RMA University.
• CLC = Chapter Leaders Conference
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CHAPTER WEBSITES
• RMA has created a website for each chapter.
• The chapter can manage it on their own, or send
information to HQ for updates.
• Chapters can post meeting notices, newsletters,
chapter contacts, past events, membership
applications, and affinity group information.
• Chapter open enrollment courses will
automatically feed to the chapter site.
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CHAPTER WEBSITES (CONT.)
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CHAPTER LEADERS CONFERENCE
• Annual conference for chapters – registration and two
nights hotel stay covered by HQ.
• Provides chapters with leadership skills, networking
opportunities, and tools to effectively run a chapter.
• Up to three chapter board members from each chapter
can attend at no cost.
• Average attendance of 250.
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CHAPTER RESOURCES
• Regional Managers.
•
Membership lists.
• Chapter Planning Guide–
planning tool.
•
Sample chapter bylaws.
•
D&O liability insurance
referral.
•
Information regarding IRS
regulations.
• Chapter websites.
• Toolboxes.
• Templates.
• Cosponsored open
enrollments.
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• Chapter Leaders
Conference.
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REGIONAL MANAGERS
Chapters and
Community Banks
• Central Region:
Laura Martin
• Northeast Region:
Mike Mango
• Southeast Region:
Cindee Munro
• Western Region:
Erin Jester
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Large Banks
• Central Region:
Jeff Thormann
• Northeast Region:
Bill Truscott
• Southeast Region:
Laurie Foster
• Western Region:
John Baier
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OPEN ENROLLMENTS
• Chapters select courses and obtain a facility.
• Chapter provides snacks and refreshments.
• Chapter welcomes group and introduces
instructor.
• RMA HQ schedules the course and instructor.
• RMA HQ develops marketing material, sends
national emails and course catalog.
• Chapter markets course to local participants.
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OPEN ENROLLMENTS (CONT.)
• Chapter Cosponsored Course Selection Form (formerly
Tick Tock) is sent to chapter in spring and is due by the end
of April each year.
• All courses must have a minimum of eight registrants three
weeks prior to the course date to avoid cancellation (12 for
Analyzing Construction Contractors).
• Chapter receives royalties from RMA HQ: starting at $15
per person, increasing to $25 per person (for a 1-day class)
if more than 15 people are registered for the course
(royalties are paid per day of class).
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THE RISK MANAGEMENT
ASSOCIATION
Then and Now
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MISSION STATEMENT
RMA is a member-driven professional association whose
sole purpose is to advance sound risk principles in the
financial services industry.
RMA helps our members use sound risk principles to
improve institutional performance and financial stability
and enhance the risk competency of individuals through
information, education, peer sharing, and networking.
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RMA HISTORY
• Founded as the Robert Morris Club in 1914 to facilitate the
exchange of credit information.
• Became the Robert Morris Associates:
– Named for American patriot Robert Morris.
 Signer of the Declaration of Independence.
 Principal financier of the Revolutionary War.
 Organizer of the first national bank, Bank of North America.
 Helped establish our country's banking system.
• In 1916, RMA adopted Code of Ethics, which is now
Principles for the Exchange of Commercial Credit Information.
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RMA TODAY
• 2,500 institutional members:
– Banks of all sizes.
– Nonbank financial institutions.
• 16,000 RMA Associates:
– Relationship managers
– Credit officers
– Risk managers
– Other financial services professionals with responsibilities
related to the risk management function.
• 115 chapters: North America, Asia, Australia, and Europe.
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RMA TODAY (CONT.)
• Provides premier risk management services:
– ERM, credit, market, and operational risk.
– Best practices
– Education
– Publications, including The RMA Journal.
– Conferences, forums, and round tables.
– Industry data, including eStatement Studies.
– Regulatory Compliance
– Securities Lending
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RMA’S STRUCTURE
• RMA’s board, councils, and committees act as
consultants, judges, recruiters, reviewers, and advisors
while carrying out RMA’s mission and contributing to the
value of RMA membership.
• RMA Board of Directors.
• Officers.
• Seven councils.
• 11 committees.
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RMA VALUES
Caring
Integrity
Teamwork
Excellence
Pride
• Includes
community
outreach
programs
• We deliver
on our
promises.
• Our
collaborative
climate
results in
the best
products
and
services
for you.
• We deliver
value to
you.
• We
celebrate
our
contributions to
you.
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RMA REGIONS
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RMA MEMBER
RELATIONS STAFF
Bill Githens
Donna Shields
Executive Assistant
President & CEO
Member Relations
Lisa McBride
Jack Harcourt
Director, Chapters & Community Banks
Director, Large Banks & International
Central Region
Laura Ridner, Manager
Allison Neff, Admin.
Northeast Region
Sandy Sutermaster, Manager
Priscilla Poole, Admin.
Southeast Region
Cindee Munro, Manager
Priscilla Poole, Admin.
Western Region
Erin Jester, Manager
Allison Neff, Admin.
Anna Shuman
Admin.
Supervisor
Debbie Trexler
Seminars
Coord.
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Central Region
Open
Northeast Region
Bill Truscott, Manager
Southeast Region
Laurie Foster, Manager
Eastern Canada
Mike Mango, Manager
Western Region & Asia
John Baier, Manager
Europe
Steve Shaw, Manager
Stacy
ForcinaRead
Admin.
Supervisor
Stacy Forcina-Read, Admin. Spvsr
Valerie Gidzinski, Admin.
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PRODUCTS AND SERVICES
The Risk Management Association
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RMA PRODUCTS AND SERVICES (CONT.)
• eMentor
• Diagnostic assessments
• Open enrollment courses.
• Credit Skills Certificate Series (CSCS).
• RMA University Online – LDP and CRE LDP.
• In-house training.
• Forums/conferences and specialized training.
• Credit Risk Certified (CRC).
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eMentor
The Risk Management Association
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• Industry reports
• Credit considerations
• Best practices
• Fundamentals exam
• Regional data
• Case studies
• Statement Studies
• Templates
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The Diagnostic Assessment
The Risk Management Association
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DIAGNOSTIC ASSESSMENT
•
•
•
•
Used to determine training needs within an institution.
Online Web-based delivery.
Scores: significant, moderate, acceptable.
Remediation links through eMentor or through use of
OEs and other training methods.
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C&I DIAGNOSTIC ASSESSMENT
• 160 questions
• Suggested minimum of 24 months experience.
• Seven major assessment areas:
– Financial Accounting
– Risk Assessment
– Financial Statement Analysis
– Cash Flow Analysis
– Loan Structuring
– Legal and Documentation Issues
– Problem Loan Management
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CRE DIAGNOSTIC ASSESSMENT
• 60 test questions.
• Suggested experience of 18–30 months.
• Six major assessment areas:
– Types of CRE Loans, Risk Areas, and Performance Drivers.
– CRE Underwriting Process.
– Financing and Monitoring Different Types of Properties.
– Understanding and Evaluating Leases, Appraisals, and
Environmental Assessments.
– Loan Structure and Documentation Considerations.
– Construction Lending.
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Certification and Certificates
The Risk Management Association
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CRC
CSCS
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CREDIT RISK CERTIFIED (CRC)
• Confirm your credit risk management expertise.
• Differentiate you from your peers.
• Enhance your personal and professional value within the
world of credit and lending.
• Offered twice per year.
• 126 (128 Canadian version) multiple choice questions/5.5
hours.
• 45 hours of continuing education every three years.
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CREDIT SKILLS CERTIFICATE SERIES (CSCS)
• Formal validation of credit and lending skills.
• Easy-to-follow program – the courses and levels are
clearly outlined.
• Demonstrated readiness to assume ever-increasing
levels of responsibility.
• Enhanced self confidence.
• Distinction of being among the best.
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CREDIT SKILLS CERTIFICATE SERIES (CSCS)
(CONT.)
• CSI: Introductory Credit Risk and Lending.
• CSII: Intermediate Credit Risk and Lending.
• CSIII: Advanced Credit Risk and Lending:
– Track One: Advanced Real Estate.
– Track Two: Advanced Credit and Lending.
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RMA University Online
The Risk Management Association
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RMA UNIVERSITY ONLINE
• Lending Decision Process – six series of courses (17
total courses).
• CRE Lending Decision Process – six series of courses
(14 total courses).
• Interactive tutorial available at www.rmahq.org (select
RMA University Online, then select Lending Decision
Process).
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LENDING DECISION PROCESS (LDP)
• Series 1: Industry, Management, and Economic Influences.
• Series 2: Interpreting Quality of Financial Reports and
Accounts.
• Series 3: Analyzing the Company's Financial Performance
and Condition.
• Series 4: The Cash Cycle, Seasonality, and Discovering
Borrowing Causes and Repayment Sources.
• Series 5: Analyzing Cash Flow Statements to Measure Longterm Repayment Ability.
• Series 6: Using Financial Projections to Fine Tune the Credit
Analysis.
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CRE LENDING DECISION PROCESS (CRE LDP)
• Series 1: Types of CRE Loans, Risk Areas, and
Performance Drivers.
• Series 2: The CRE Underwriting Process.
• Series 3: Financing Different Types of Commercial
Properties.
• Series 4: Understanding and Evaluating Leases,
Appraisals, and Environmental Assessments.
• Series 5: Loan Structure and Documentation
Considerations.
• Series 6: Construction Lending.
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WEB SEMINARS AND AUDIO CONFERENCES
• A series of specialized recorded Web seminars.
• Operational risk Web seminars.
• Risk Management Audio Conference Series.
• Regulatory and legislative updates.
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Classroom Training
The Risk Management Association
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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.
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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.
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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
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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
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Risk Disciplines
The Risk Management Association
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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.
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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
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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.
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CREDIT RISK
• Annual Risk Management Conference.
• Risk Management Audio Conference Series.
• Round tables.
• Forums.
• Web seminars.
• Credit Risk Certification.
• Credit Skills Certificate Series.
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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
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77
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
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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
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79
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
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80
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
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81
Thank You!
The Risk Management Association
Enterprise Risk · Credit Risk · Market Risk · Operational Risk · Regulatory Compliance
JOIN. ENGAGE. LEAD.