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Perspectives
ValuRisk Perspectives offers long-form thought leadership - deep dives into model risk, regulatory expectations, and best practices across interest rate risk, liquidity risk, credit risk and financial crimes modeling.
When Rules Become Risk: Treating BSA/AML Systems as Models
But it's not a model!! This might sound obvious to most of us as BSA/AML transaction monitoring systems have been treated as models for...
Jul 312 min read
The Hidden Risk in AML Programs: Poor Data Governance
We all know the saying as it relates to model data: 🚮 garbage in, garbage out 🚮 . 🚨 But when it comes to AML models, the stakes are...
Jul 311 min read
Certified ≠ Validated: Know the Difference
If your institution relies on vendor models, this might save you from costly missteps and regulatory headaches. 🛑 Model Certifications ≠...
Jul 142 min read
A Better Approach to Model Validation: Practical, Thoughtful, Useful
Let’s be real - no one really gets too excited about a model validation. For many model owners, it can feel like a frustrating drain on...
Jul 142 min read
The Strategic Value of a Thorough CECL Validation
For many financial institutions, CECL implementation was a heavy lift - one that checked a regulatory compliance box and moved on. But...
May 112 min read
Interest Rate Risk Isn’t About Prediction - It’s About Preparation
Intricate geometric glass ceiling reflecting the sky, creating a mesmerizing pattern of blue squares. Why Model Integrity and Scenario...
May 112 min read
Why a Robust Liquidity Stress Testing Process is Critical in Today’s Volatile Environment
In an era marked by rapid interest rate shifts, evolving depositor behavior, and geopolitical uncertainty, financial institutions can no...
May 83 min read
Striking the Balance: Collaboration Between the 1st and 2nd Lines of Defense in Model Risk Management
In today’s highly regulated and data-driven financial environment, models are at the heart of decision-making, from credit underwriting...
May 62 min read
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