ABA Banking Journal - April 2013 - (Page 24)

Regulators raise the risk bar—big time! Seven themes mark a renewed and greater emphasis on enterprise risk management— and everyone’s invited to this party By David Gibbons and Kathryn Dick, Promontory Financial Group T he global banking crisis began five years ago, and policymakers and companies are still debating the steps necessary to prevent the next one. Many conversations are loud and contentious—consider the ongoing Dodd-Frank implementation—but prudential regulators are using more subtle methods to convey lessons learned. They are using the 24 | ABA BANKING JOURNAL | April 2013 discreet power of supervisory programs to elevate riskmanagement standards—most notably for large and mid-sized banks, though inevitably the impact will be felt by community banks. In doing so, regulators have set the long-term direction of bank supervision. The task bank executives and directors face in meeting regulators’ heightened expectations also is becoming clearer.

Table of Contents for the Digital Edition of ABA Banking Journal - April 2013

ABA Banking Journal - April 2013
Contents
Chairman’s View
Editor’s Column
The Economy
Bank Notes
Picture This
ABA COMMUNITY BANKING Negotiating better contracts
Pass the Aspirin
Tech Topics
COVER STORY: Focus on risk Regulators raise the bar—big time!
RAROC architect’s views on risk
Top-performing big banks
Compliance Inbox
ABA At Your Service
Legal Issues
First Person

ABA Banking Journal - April 2013

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