Skip to main content

Commercial Real Estate Skills you Need to Help Manage Exposure

In this article, BAI lays out the skills organizations must train their employees on to help manage current and future commercial loan risk and determine any skill gaps among those employees. To see how your organization can better develop employee skills for commercial real estate management, download BAI’s article: Commercial Real Estate Skills to Help […]

Training Financial Services Staff to Prepare for Expected Crypto Regulatory Changes

In this article, BAI explains the steps financial services organizations must take to safely offer crypto products and services to their customers without overextending themselves. To see how your organization can properly develop cryptocurrency strategies, download BAI’s article: Training Financial Services Staff to Prepare for Expected Crypto Regulatory Changes today!

Quick Q&A on Modernizing banking technology ecosystems to drive revenue and efficiency

Optimizing customer data with a clear strategy can give businesses a competitive edge by enhancing technology for efficiency and revenue growth. In this Q&A with Carlos Lopez from Jack Henry, discover key banking trends, potential regulatory changes, the impact of next-gen core platforms like composability, and the biggest technology gaps for financial institutions.

Business banking digital maturity model

In this market research report, learn why digital maturity is not only tied to the capabilities you offer through your business banking solutions, but it also correlates to the financial success of your organization.

U.S. consumer and small business deposit trends 2025

In the latest BAI Industry Insights: State of U.S. Deposits Webinar, BAI shared key findings from a year-to-date analysis of top-10 consumer banks to uncover market trends. Dive into these insights and their potential impact on 2025.

Policies and Procedures are the Key to Effective Risk Management Programs

In this article, BAI lays out the four steps companies must take to ensure they’re properly addressing risk management planning. Learn more on properly managing your company’s risk management strategies, download BAI’s article: Policies and Procedures are the Key to Effective Risk Management today!

Key Features to Make Your Compliance Training Programs More Effective Landing Page

Today, training administrators should be exploring different key performance indicators (KPls) as well as technology options that make it easier to accurately measure the effectiveness of their training programs. In this article, BAI highlights what success metrics you should look for in a learning management software to make compliance training programs more effective.

New regulations that will affect policies and procedures in 2025

BAI constantly monitors the landscape of the financial services industry and stays on top of regulations to help our customers update their policies and procedures. In this article, BAI lays out all the rules going into effect and what regulations may be coming soon. To learn more about these rules and how they affect your […]

Regulatory Updates for 2025 Impacting Compliance Training Programs

Many regulatory updates happened over the course of 2024 that will go into effect in 2025 and beyond. There are also several hot topics that are awaiting final rules or are in active discussions that can affect compliance training programs if passed. BAI constantly monitors the landscape of the financial services industry and stays on […]

January 2025 RMA Risk Watch: Notes and Resources on Today’s Top and Emerging Risks

Each Risk Watch makes it easy to find RMA resources on today’s most pressing risks. Scan Risk Watch for informative and practical articles, papers, and webinars on top and emerging risks—and for RMA events and resources that will help you dig deeper. All resources marked with an asterisk (*) are of particular interest to community […]

Quick Q&A on the limitless upside as AI matures in the contact center

Each day a new strategic driver leads another innovative financial institution to embrace generative artificial intelligence (AI) in the contact center, says Glia’s Growth Breakthrough Leader Patrick Russell. For now, exploratory education and risk assessment restrict trials to smaller use cases, but once more banks and credit unions catch on to AI-linked efficiency gains and […]

Effectively Managing Technology Changes

As technology advances, sometimes critical proprietary and third-party technology becomes obsolete and new technology is needed. When the time comes to implement new technology, companies find it hard to properly define the change which results in project delays and low buy-in from stakeholders.

Strategic deposit acquisition

Find strategies to master deposit growth, all while staying aligned with interest rate trends and regulatory standards in this eBook.

Quick Q&A on why banks need a value-added SMB strategy

Banks and credit unions see opportunity in attracting small and medium-sized businesses (SMBs). But as Bottomline’s Rodney Nilson points out, SMBs can sometimes get lost within a financial institution’s customer profiles. Most SMBs don’t perfectly align with consumer needs, but they don’t fit within the demands of the commercial banking segment either.

Omnichannel account opening playbook

To optimize commercial and retail deposit growth, taking a comprehensive omnichannel approach that improves both the banker and customer experience is a winning strategy.

CFPB Required and Recommended Policies and Procedures

In this article, BAI highlights both required and recommended policies and procedures businesses should have to demonstrate they are operating within the guidelines to avoid being fined or issued consent orders or enforcement actions.

Quick Q&A on tapping data and AI to grow deposits

Attracting deposits shouldn’t hinge on interest-rate market whims. Foundational upgrades that smartly leverage data, ease the customer experience, and still support healthy bank margins, can be an investment well spent. As the advisor in our spotlight maps out, it’s now AI that can turn data from a customer lead into a signed account faster and […]

July 2024 RMA Risk Watch: Notes and Resources on Today’s Top and Emerging Risks

Each Risk Watch makes it easy to find RMA resources on today’s most pressing risks. Scan Risk Watch for informative and practical articles, papers, and webinars on top and emerging risks—and for RMA events and resources that will help you dig deeper. All resources marked with an asterisk (*) are of particular interest to community […]

Identifying and Preventing Check Fraud

BAI has developed a document to help financial services organizations understand different types of check fraud and scams as well as provide resources on the components of a check and how to identify and prevent fraud.

Guidance on Creating Policies and Procedures

BAI has put together considerations to help financial services organizations understand why policies and procedures are important along with best practices on planning, creating, documenting, and communicating them.

Regulators Care About More Than Just Policy Acknowledgements

An increasing amount of regulations are being passed which is requiring financial services organizations to rapidly create and update policies and procedures. Businesses try to ensure that their policies and procedures are acknowledged in a timely manner, but regulators care about more than that. To learn more about meeting regulatory expectations and creating a culture […]

Tracking and Communicating Policy and Procedure Status

Today, many organizations track the success of their policy management program based on the number of on-time acknowledgements they receive. While this is important, regulators want organizations to track more than acknowledgements to be successful—they also want to see that policies and procedures are aligned, up to date, and communicated effectively throughout the organization. To […]

Quick Q&A on planning strategically for banking’s next big challenges

Banks are only at the beginning stages of the largest generational wealth shift ever known. How organizations use data to capture those asset transfers, perhaps by building out mobile features or improving customer personalization, could shape their customer success for years to come as trillions of dollars are passed down.

February 2024 RMA Risk Watch: Notes and Resources on Today’s Top and Emerging Risks

Each Risk Watch makes it easy to find RMA resources on today’s most pressing risks. Scan Risk Watch for informative and practical articles, papers, and webinars on top and emerging risks—and for RMA events and resources that will help you dig deeper. All resources marked with an asterisk (*) are of particular interest to community […]

Identifying Data Discrimination Biases

Every company has policies that cover how to identify and prevent discriminatory behavior. Even after employees acknowledge these policies, there are inherent biases they could have where they may discriminate without even realizing it, especially during the loan review process.

BAI has put together a data sheet to help organizations develop policies that address specific data that is collected on a loan application that needs to be examined more carefully to ensure there is no discrimination against applicants. This document includes potential biases and considerations for several data points.

Identifying Risk Assessment Scenario Biases

Financial services organizations have numerous departments that collect data to help them make better decisions on how to run their departments. When examining this data, department leaders need to train their staff to ensure that correlated metrics don’t lead to biased decision making when implementing new plans.

BAI has put together a data sheet to help train businesses on understanding the most common risk assessment scenarios with key metrics that are gathered that could lead to biased decision making.

Quick Q&A on Accelerating fraud detection to keep up with real time payments

Banks and credit unions of all sizes must step up their fraud detection. They’re prompted to act sooner versus later as customers and regulators demand reputational assurances amid high-profile cyberattacks and other breaches. Plus financial institutions are finding they must quicken fraud interdiction to keep their safeguards apace with real-time payments (RTPs).

Banking outlook for 2024 and beyond

Today’s financial services organizations face increasing uncertainty due to industry shifts, mounting
competitive pressures and new federal regulations. To help them better navigate this environment,
BAI Research recently conducted a survey of financial services leaders and 1,000 consumers to get a sense
of the banking outlook for 2024 and beyond as well as the emerging trends that will shape the year ahead.

HMDA Policy Considerations 

Is your organization prepared to update its Home Mortgage Disclosure Act (HMDA) policies in 2024? New filing requirements for HMDA were passed in 2023 that will go into effect in 2024. Given the volatility with the housing market, the CFPB is paying close attention to mortgage data to protect borrowers. BAI has put together a document […]

U.S. consumer and small business deposit trends

Are your deposits lagging or leading? BAI Research released the latest state of deposit trends, which includes data from the top 20 U.S. consumer banks as well as the leading direct banks. It’s no surprise that deposit growth has been negative due to a turbulent rate environment. Consumers and small businesses have reduced their balances and made rate-driven decisions, such as a major shift into CDs offering attractive yields. How long will current trends continue? Where are deposits headed?

Key Regulatory Updates for 2024

Major final rules and proposals were released earlier in 2023 that will affect compliance training programs in 2024. Download to learn more about these rules and how they affect your compliance training program.

Commercial Real Estate Policy Considerations

BAI has put together a document on Commercial Real Estate considerations to help financial services organizations know what they need to include in their commercial lending policies. To learn more about how to make your organization’s commercial real estate policies more effective, download BAI’s “Commercial Real Estate Policy Considerations.”Download Now

Fraud Policy Considerations

In the current regulatory environment, it is important for financial services organizations to review their policies on fraud. BAI has put together a document on Fraud policy considerations to help financial services organizations define actions for averting fraud, address it when it occurs, and develop a culture in which all employees understand their role in […]