Hi Michael, We've split our Q-factors in two sub-groups, modeled and non-modeled. Our CECL modeling and scenario overlays accounts for traditional q-factors such as Asset Quality Trends, Portfolio Composition and the External Environment, so we ...

Interested to understand how institutions are identifying and using delivery channels as it relates to risk management. For example, do you have an enterprise-wide delivery channel taxonomy? Do you specifically assess compliance and/or operational risks ...

Good morning - we are looking to get some feedback around when Banks obtain updated Beneficial Ownership forms, outside of origination or as part of any re-documenting of loans. For example is this part of anyone's annual review/renewal process, etc. ...