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CUES School of Enterprise Risk Management

Also read: "Fraud Protection"

Risk Management Videos

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Member Revocation Considerations

Jeff Rendel

Is member revocation an option? Hear about what is involved in member revocation from credit union expert Jeff Rendel.

ERM as a Strategic Function

John Bugalla

The board plays a key role in defining ERM as a strategic function. Learn the process for prioritizing risk management as well as some special considerations when adopting and ERM process.

The Role of the Credit Union Board

Deborah Matz

The NCUA Chair explains the role of the credit union board.

Participation Loans

James R. Devine

Participation loans have grown as a percentage of credit union loan portfolios. Boards are responsible for monitoring underwriting and credit administration practices of lead lenders and ensuring they comply with the credit union’s guidelines. Increased regulatory scrutiny is likely.

Assessing Risk

Steve Ruwe

A risk expert recommends directors take a holistic view of risk. Regulatory, financial, operational and strategic risks must be considered, and velocity of risk needs to be assessed. The risk assessment plan needs to be ongoing and supportive of business objectives in order to maintain a mode of prevention.

Managing Emerging Fraud Risk

Ann Davidson

Credit unions can manage magnetic stripe, automated clearing house (ACH), after wire, and loan fraud through technology and procedural controls.

Controlling Business Loan Portfolio Risk

Jim Devine

To control business risk, directors must ensure sound practices are in place: a diversified portfolio, professional underwriting, sound document and risk assessment procedures, and annual reviews. In addition boards need to monitor accrual status, debt service coverage, loan to value ratios, and the presence of qualified appraisers.

Mitigating Directors' Personal Risk

Roni M Crichton JD, CCD

Directors have duties of loyalty and reasonable care. An attorney and board chair puts these terms into layman’s language, giving credit union directors advice on demonstrating and documenting due diligence and understanding director insurance and indemnification to mitigate the risk.

Market Opportunities from Debit Card Regulations

Tom Gandre

Overdraft, credit card and debit card regulations have placed pressure on credit unions. An expert explains the regulations and recommends strategies boards can consider to position their credit unions to succeed.

How can the board strategically manage risk?

Nicole Adams Kraus

Traditional risk management methods did not prevent the economic crisis and can even be viewed as “broken.” Experience actually makes us more likely to ignore risk! The board’s role must include looking at strategic and systemic risk. This expert advises you how.

Reputation Risk

John Oliver

John Oliver notes reputation risk is an important component of the board’s oversight role. 

The Economy’s Impact on Credit Unions

Rick Craig

Rick Craig, president and CEO of America First Credit Union provides an overview of the economy’s impact on credit unions.

Overconfidence: Most Common Mistake

Joseph Hallinan

Pulitzer Prize-Winning Journalist Joseph Hallinan points to overconfidence as the problem that caused major Wall Street failures. He recommends steps boards can take to protect against overconfidence.

The Impact of Corp CU Failure

Rick Craig

Rick Craig, president and CEO of America First Credit Union explains the impact corporate credit union failures have had on natural person credit union audits.

Managing Risk while Avoiding Micromanagement

Alan White

Boards must determine the proper level of detail when monitoring risk. Organizations that are good at this identify metrics that are tied back to specific risks, review the metrics on a periodic basis, and become more engaged if the metrics are not positive. Alan White, Vital Insight, Inc.

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