Insights & News
Stay updated with our latest industry perspectives and company announcements.
…or the Value of Stress Testing. Here’s a simple way to think about the benefits of bank regulation and credit risk management: they can make good times even better, delay the bad times, and help soften the blow when things get tough.
With the uncertainty and possible economic harm surrounding the recently-announced tariffs—whether they stay, disappear, reappear, or mutate—bankers face the challenge of integrating effects into CECL and stress test estimates.
It’s been fifteen years since the last long and deep downturn. Alas, periods of calm are not proof of resilience against harm, and in fact, they may obscure risks that may define the next downturn.
Mayer Brown regulatory partner, Matt Bisanz, and CEO Andy Spero talk about trends and best practices for managing risk – and advice to those just starting out.
A common belief is that broader and deeper bank regulations decrease earnings and share value.
Would SVB’s, SBNY’s, and FRCB’s shareholders agree?
Nine initial impressions of the Fed’s report on SVB including why we anticipate more supervision and attempts to reverse the loosening of scrutiny in 2017 – 2020.
Climate Change, Extreme Weather and Loan Losses. We analyze differences in default rates, LGDs, and loss rates for mortgages in four recent and costly storms.
Since Silicon Valley Bank’s demise, many have been yapping about the importance of capital and capital ratios, but it’s never about capital. It’s always about liquidity!
Andy Spero explains what he concluded from the Fed’s discount window seemingly turning SVB away, and his thoughts on why the FDIC rushed to close SVB down.
We summarize the guidance, analyze the recent revisions, and outline the differences in the tailoring framework for CCAR Supervisory Expectations.
Recent Insights
Model Risk Management: The Canadian Edition Presentation
Our CEO, Andy Spero, recently presented at GFMI’s 2016 Model Risk Management: The Canadian Edition. The conference was held in Toronto, Canada, on March 7th and 8th. Andy was on a panel that discussed “CCAR and DFAST stress testing: What …
Read MoreSpero Risk Associates
Welcome to SperoRisk.com, the web site for Spero Risk Associates, llc, a boutique consulting firm specializing in risk management and finance. Founded in early 2016, by colleagues and former risk management executives, Spero Risk Associates brings ex…
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