VBC Advisors

As the customization, complexity, and sophistication of the models, tools, and business processes used by financial institutions increases, so does the need for accomplished resources to support the development and implementation of robust risk, governance, compliance, and data frameworks. VBC Advisors specializes in the development and delivery of programs to manage model risk, and meet GRC requirements, including the evolving realm of ESG and Climate Risk.

Econometric Modeling of Banking Customer Behaviors – A Validation Oriented Review

Accurately modeling customer behaviors that lack contractual certainty—such as core-deposit retention or mortgage prepayments—is now indispensable to risk-sensitive balance-sheet management and regulatory capital planning. When these behaviors are projected with misspecified or unstable econometric equations, forecasting error propagates through downstream asset-liability, liquidity-stress, and enterprise-wide stress-test models, generating model risk that can distort strategic decisions. Click here to learn more.

$10 Billion Crossover Readiness Preparation and Planning

With growth comes reward. If you are a banking institution, it also comes with an additional burden of heightened regulatory scrutiny, especially when crossing $10 billion in consolidated assets. Passing this threshold successfully requires careful planning and preparation, especially with respect to the readiness of Governance, Risk, and Compliance (GRC) systems and frameworks. Click here to learn more.

Model Risk Management Solutions and Services

Boards and management rely significantly on models and model output to make strategic and operational decisions. It is extremely important to have the right model risk management framework in place to ensure the accuracy, robustness, and reliability of models and model outputs. Designing and implementing a well-developed Model Risk Management (MRM) program will enable and empower your institution to manage model risk across the lifecycle while also facilitating the “effective challenge” oversight function prescribed by the regulators. Click here to learn more.

Additional Practice Areas

VBC Advisors includes deeply experienced and credentialed banking and risk management professionals, each with more than 10 years of experience in the practice domains of financial risk, credit risk, enterprise and operational risk, and risk mitigation strategy formulation and implementation. Our clients rely on VBC to deliver custom solutions and industry best practices right-sized and aligned to exacting and precise specifications.

Additional key practice areas covered by our agile team of seasoned professionals include:

• Operational Risk
• Reputational Risk
• Compliance Risk
• Financial Crime Risk
• Model Risk
• Third-Party Risk
• Impact Assessments