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The ProSight Journal

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  • Compliance & Regulation, Risk
Model Risk, Stablecoins, and the GENIUS Act
Model Risk, Stablecoins, and the GENIUS Act
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  • Growth & Innovation
Effective Strategies for Managing an Appraiser Shortage
Effective Strategies for Managing an Appraiser Shortage
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The ProSight Journal: Spring 2026
The ProSight Journal: Spring 2026
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  • Risk
Insurance Volatility Raises the Stakes for Lenders
Insurance Volatility Raises the Stakes for Lenders
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  • Risk
Credit Risk Concerns Amid Insurance Market Instability
Credit Risk Concerns Amid Insurance Market Instability
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  • Risk
Mismeasurements and Misunderstandings: How Outdated Economic Data Creates Risks for Banks
Mismeasurements and Misunderstandings: How Outdated Economic Data Creates Risks for Banks
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  • Risk
Managers Who Embrace Flexible ‘Servant Leadership’ Can Create Stronger Risk Teams
Managers Who Embrace Flexible ‘Servant Leadership’ Can Create Stronger Risk Teams
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  • Growth & Innovation, Risk
Beyond the Numbers: When Traditional Credit Risk Indicators Aren’t Enough
Beyond the Numbers: When Traditional Credit Risk Indicators Aren’t Enough
Risk is not only a financial calculation. It is also a regulatory exposure and a compliance obligation. Risk is a…
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  • Risk
Notes on the Journey From Operational Risk to Operational Resiliency
Notes on the Journey From Operational Risk to Operational Resiliency
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The ProSight Journal Issue Library
The ProSight Journal Issue Library
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  • Fraud, Growth & Innovation, Risk
Credit Risk Trends and Challenges for Community Banks
Credit Risk Trends and Challenges for Community Banks
Learn what’s on the minds of community bank chief credit officers as they contend with issues ranging from the pros…
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  • Compliance & Regulation, Fraud, Risk
10 Recommendations for Responding To and Reducing Insider Threats
10 Recommendations for Responding To and Reducing Insider Threats
It is common knowledge that there has been an increase in insider threats. Given the number of devices within a…
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  • Growth & Innovation, Risk
Core Concepts: The Evolution of Private Credit and What It Means for Banks
Core Concepts: The Evolution of Private Credit and What It Means for Banks
Historically a niche industry that served distressed borrowers with creative structures, private credit has evolved into a segment that also…
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  • Economy & Markets, Growth & Innovation, Risk
Managing Through a Rough Patch in Agriculture Credit
Managing Through a Rough Patch in Agriculture Credit
Tariffs, low prices, and rising costs are testing U.S. farmers—and the lenders who serve them. In a new Q&A, Farmer…
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  • Compliance & Regulation, Fraud, Risk, Talent & Workforce
What Bank Chief Compliance Officers Are Prioritizing
What Bank Chief Compliance Officers Are Prioritizing
Change is a dominant theme for financial institution compliance teams these days, whether that means rapid technological advances enabled by…
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  • Compliance & Regulation, Risk, Talent & Workforce
With Comments In, Fed Considering Changes to ‘Well Managed’ Qualifications
With Comments In, Fed Considering Changes to ‘Well Managed’ Qualifications
The Fed is weighing a major shift in how large banks earn the coveted “well managed” designation. Under a proposal…
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  • Compliance & Regulation, Risk
How Low Capital Requirements Could Go Under President Trump
How Low Capital Requirements Could Go Under President Trump
Amid continuing deregulatory activity under President Trump, this summer has included several noteworthy developments on the capital requirements front. In…
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  • Growth & Innovation, Risk
How Financial Markets Support Companies and Investors
How Financial Markets Support Companies and Investors
Securities and ancillary markets play a crucial role alongside bank lending in helping companies access necessary funding to operate and…
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  • Compliance & Regulation, Fraud, Risk
How Improving Digital Identity Practices Can Enhance Bank Fraud Protection
How Improving Digital Identity Practices Can Enhance Bank Fraud Protection
As banks continue to invest in fraud prevention, pinpointing where those efforts yield the strongest returns is critical. One key…
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  • Compliance & Regulation, Fraud, Risk
The Total Cost of Fraud
The Total Cost of Fraud
U.S. banks incur heavy financial and indirect costs to fight fraud. The actual dollar figure is hard to pin down,…
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  • Compliance & Regulation, Fraud, Risk
Growth Risk Management for a New Era
Growth Risk Management for a New Era
Some bankers might jokingly paraphrase Ronald Reagan by saying the nine most terrifying words are: “I’m from risk management, and…
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  • Compliance & Regulation, Fraud, Risk
As the Regulatory Winds Shift Again, Some Considerations for Bank Leaders
As the Regulatory Winds Shift Again, Some Considerations for Bank Leaders
Federal bank regulation has existed in the United States since the Office of the Comptroller of the Currency (OCC) was…
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  • Risk
Proposed Contract Language Fills Gaps in Model Disclosure Standards
Proposed Contract Language Fills Gaps in Model Disclosure Standards
Banks may be held accountable for risks they can’t even see—especially when third-party vendors refuse to share how their models…
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  • Fraud, Risk
Today’s Fraud Threat Landscape
Today’s Fraud Threat Landscape
Fraudsters are combining old tricks with new tools—and banks are feeling the pressure. A new RMA Journal article draws on…
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  • Fraud, Risk, Talent & Workforce
Could Behavioral Science Improve Fraud-Fighting Results at Your Bank?
Could Behavioral Science Improve Fraud-Fighting Results at Your Bank?
Digital banking is a boon and a burden for the financial services industry. While customers find its speed and convenience…
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  • Fraud, Risk, Talent & Workforce
Banks Should Work Even Harder To Fight Impostor Fraud
Banks Should Work Even Harder To Fight Impostor Fraud
Even seasoned bankers can fall for impostor scams. In a new RMA Journal article, Cara Wick recounts her own experience…
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  • Compliance & Regulation, Growth & Innovation, Risk
Helping Borrowers Help Themselves: The Case for Turnaround Consultants
Helping Borrowers Help Themselves: The Case for Turnaround Consultants
With recession fears rising and economic volatility high, now is a good time for banks to revisit the tools available…
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  • Compliance & Regulation, Risk, Talent & Workforce
Why I Love Writing Documentation
Why I Love Writing Documentation
Bankers, especially those who work in risk like me, are frequently writing. Most of the time, we do not write…
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  • Risk
Making Sense of Solar in CRE Lending
Making Sense of Solar in CRE Lending
Forum Focus offers practical insights drawn from real-world questions in the ProSight Member Forum, a safe space for financial institution…
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  • Growth & Innovation, Risk
Ashes to Assets: The Pet Crematorium Deal That Paid Off
Ashes to Assets: The Pet Crematorium Deal That Paid Off
Cleared for Lending showcases unexpected and unconventional lending success stories—deals that didn’t fit the mold but found a way through….
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  • Growth & Innovation, Risk
How Community Banks Are Responding to Third-Party Risk Management Challenges
How Community Banks Are Responding to Third-Party Risk Management Challenges
Third-party risk management, which is increasingly important as financial institutions tap vendors for the digital features and functionality customers demand,…
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  • Compliance & Regulation, Economy & Markets, Risk
Reading the Regulatory Tea Leaves of a Trump Administration
Reading the Regulatory Tea Leaves of a Trump Administration
Banks experiencing a new level of supervisory intensity after the regional banking crisis of 2023 are closely monitoring changes in…
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  • Economy & Markets, Risk
An Economic Update for Banks: A Q&A With Moody’s Chief Economist Mark Zandi
An Economic Update for Banks: A Q&A With Moody’s Chief Economist Mark Zandi
With his keynote session at the ProSight Governance, Compliance, and Operational Resiliency (GCOR) Virtual Conference approaching, Moody’s Analytics Chief Economist…
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  • Economy & Markets, Risk
Tips on Managing Tariff Risk in Your Lending Portfolio
Tips on Managing Tariff Risk in Your Lending Portfolio
With broad-based and substantial tariffs very much in play, RMA is creating resources to help members understand and address the…
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  • Compliance & Regulation, Risk, Talent & Workforce
The Triumvirate of Risk Oversight: Aligning the Risk Chair, Regulator, and CRO
The Triumvirate of Risk Oversight: Aligning the Risk Chair, Regulator, and CRO
How can a bank’s board, regulators, and risk team work together without compromising their independence? A former CRO, lead examiner,…
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  • Risk
Banks Are Recalibrating Their Gen AI Ambitions
Banks Are Recalibrating Their Gen AI Ambitions
When OpenAI’s ChatGPT launched in late 2022, generative AI (gen AI) seemed poised to be the next big thing in…
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  • Economy & Markets, Risk
Tariffs, Turbulence, and the Road Ahead for Banks
Tariffs, Turbulence, and the Road Ahead for Banks
As uncertainty abounds regarding tariffs, U.S. federal spending, policy, and inflation, the RMA Journal reached out to a panel of…
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  • Compliance & Regulation, Growth & Innovation, Risk
Assessing the Landscape for Community Bank M&A
Assessing the Landscape for Community Bank M&A
With a lighter regulatory touch expected under a new presidential administration, many industry watchers expected an uptick in bank M&A…
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  • Fraud, Risk
Blockchain, Payments, and the Risks in Settlement Systems
Blockchain, Payments, and the Risks in Settlement Systems
Banks exploring uses for blockchain technology are experimenting with capital markets applications to solve long-standing custody and settlement risk issues….
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  • Growth & Innovation, Risk
Seven Tips for Nonprofit Banking in Uncertain Times
Seven Tips for Nonprofit Banking in Uncertain Times
By their very nature, nonprofit borrowers often pose more credit risk than for-profit operations. Those credits could be getting even…
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  • Fraud, Risk
The Cyber Insurance Puzzle: Banks Face Overlapping Policies and Uncertain Risks
The Cyber Insurance Puzzle: Banks Face Overlapping Policies and Uncertain Risks
Potential business interruptions and customer lawsuits stemming from ransomware attacks and other cyber threats are pushing banks to rethink their…
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  • Compliance & Regulation, Risk
New Priorities Shaping Future of Crypto Regulation
New Priorities Shaping Future of Crypto Regulation
Since the creation of Bitcoin in 2009, banks have waffled on the merits of cryptocurrencies, unsure whether to embrace, reject,…
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  • Risk
Beyond Storage: How Automation, Competition, and Costs Are Reshaping Warehousing
Beyond Storage: How Automation, Competition, and Costs Are Reshaping Warehousing
The warehousing and storage services industry plays a critical role in the modern supply chain, handling goods across a wide…
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  • Compliance & Regulation, Fraud, Risk
Shoring Up Your AML Program for an Uncertain Oversight Environment
Shoring Up Your AML Program for an Uncertain Oversight Environment
Banks reading signals from the Trump administration predict a generally softer enforcement environment for regulations in their industry over the…
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  • Fraud, Growth & Innovation, Risk
Third Party Exit Strategies
Third Party Exit Strategies
Financial institutions rely on a large network of third parties (vendors, suppliers, service providers, contractors, etc.) for day-to-day operations and…
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  • Compliance & Regulation, Fraud, Risk
Straight From the CROs: Risk Leaders Discuss RMA’s Latest CRO Survey and the State of Risk
Straight From the CROs: Risk Leaders Discuss RMA’s Latest CRO Survey and the State of Risk
Each year, RMA’s Chief Risk Officer Outlook Survey provides valuable insights into how risk leaders are addressing the financial industry’s…
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  • Compliance & Regulation, Economy & Markets, Risk
What To Expect (Probably) From Trump’s Deregulation Drive
What To Expect (Probably) From Trump’s Deregulation Drive
Since their victory in the presidential election, Donald Trump and his team have reinforced their commitment to a substantial rollback…
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  • Economy & Markets, Fraud, Risk
Geopolitics, Cybersecurity Top Concerns for CROs at RMA Roundtable in NY
Geopolitics, Cybersecurity Top Concerns for CROs at RMA Roundtable in NY
Isolationism and trade aggression present substantial risks for markets and commerce should the U.S. pursue these in a retrenchment from…
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  • Fraud, Risk
Quantifying and Managing Reputation Risk: Safeguarding Your Bank’s Brand
Quantifying and Managing Reputation Risk: Safeguarding Your Bank’s Brand
Your institution’s reputation can significantly influence customer trust, employee loyalty, and investor confidence and is a reliable contributor to organizational…
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  • Compliance & Regulation, Growth & Innovation, Risk, Talent & Workforce
A Loan Covenants Primer for Lenders
A Loan Covenants Primer for Lenders
Covenants are loan agreements between a borrower and a bank that communicate the bank’s expectations during their borrowing relationship. Borrowers,…
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