Jennifer's Notes

Welcome to the fall 2012 edition of S&R Perspectives.

The Importance of Strong Risk Management: Insights From the Examination World

This article reinforces existing supervisory guidance and expectations and discusses the most commonly cited examination issues related to the management of credit, liquidity, market, operational, and legal and reputational risks.

Supervisory Upgrades and Enforcement Actions: An Overview, Highlights and Insights

SR 12-4 was issued on March 1, 2012, to address supervisory rating upgrades.  This article provides a brief overview of the SR letter, with examples of implementation of the principals; highlights key institution-based enforcement tools used by the Federal Reserve System, noting key factors used in selecting an action; and provides insight on how enforcement actions are evaluated and adjusted as progress is made by an institution.

Two Years Traveled: Dodd-Frank and SRC

Two years after the Dodd-Frank Act was signed, the law has resulted in new responsibilities for the Richmond Fed’s Supervision, Regulation and Credit (SRC) department. In this article, we take a look at how the legislation aimed at blunting the impact of future financial stresses has affected some of the work across SRC, as well as what’s ahead.

Assessing the Stability of Your Deposits in a Rising Rate Environment

This article shares some thoughts and observations that you should consider from a liquidity and contingency funding planning perspective as well as from a balance sheet management and interest rate risk viewpoint.

SAR Wars and More: BSA Coalition Hosts Fourth Annual Anti-Money Laundering Conference in Richmond

If you saw “SAR Wars” on the agenda of the BSA Coalition Anti-Money Laundering Conference, you might have wondered what the former Fairfax County detective  Steve Gurdak was going to discuss.

Examiner's Corner

This section highlights examiner insights and sound practices gained from examinations of community banks within the Fifth Federal Reserve District.

Fifth District Indicators