1. Patrick Reemts

    Improving Credit Risk Insight

     |  By Patrick Reemts

    Booking new customers isn’t easy. Negotiating price and evaluating an individual borrower’s loan quality as they sit and wait is a real challenge. Never mind the added pressure of complying with applicable regulations and the financial risks associated with approving …

  2. Patrick Reemts

    Handset Financing: Minimizing Risk, Maximizing Opportunities

     |  By Patrick Reemts

    As the wireless industry rapidly moves toward a different economic model, companies are exploring the use of financial partners to offload the risk of handset costs. Post-paid subsidized phones are still a customer favorite, but are not feasible for the …

  3. Patrick Reemts

    New Solutions for Online Onboarding

     |  By Patrick Reemts

    A recent trend in the retail banking market is the increasing demand by customers for an online component to their banking relationship. Traditionally, demand deposit accounts (DDA) have been opened by customers inside their local bank branch. However, customers have …

  4. Ken Meiser

    Unintended Consequences: The Impact of SSN Randomization on Risk Management

     |  By Ken Meiser

    Originally designed to track individual contributions to the Social Security Program, a person’s Social Security Number (SSN) has evolved to unintentionally become a near universal identifier synonymous with a person’s identity. SSNs never expire, are never reclaimed, seldom reissued, and …