ALM Advisory Training Videos

Building an Effective Liquidity Management Program - $795

Regulatory expectations for acceptable liquidity risk management practices have changed. Examiners
expect to see a forecasted cash flow model with stressed scenarios at all banks and credit unions.

This 4-video training series will give you a solid grasp of what is needed to implement a successful
liquidity risk management program that complies with regulatory guidance and lays the groundwork for a
successful exam.

This series is led by Dave Wicklund, a former senior bank examiner with two decades of experience in
community bank exams and training regulators.

Who should attend:

Presidents, CEOs, CFOs, Internal Auditors, ALCO Committee Members, and others responsible for Liquidity Funds Management

Cost: $795

Session Descriptions:

Session 1: Liquidity Risk Measurements

This session includes an in-depth examination of both the traditional and newest liquidity risk measurements including a thorough discussion of what examiners use to evaluate a financial institution's liquidity position.

  • Liquidity Ratios - gain an understanding of which ratios are best to monitor funding risk, what ratios examiners like and dislike, strengths and weaknesses of each, and how often they should be reviewed
  • Regulatory Required Liquidity Cushion - learn how to calculate your institution's Liquidity Cushion and how often this measurement should be used
  • Net Non-core Funding Dependence Ratio - what it means and what adjustments all institutions should be making to the calculation
  • Cash Flow Modeling- gain an understanding of the effective use of cash flow modeling - the regulator's standard for liquidity risk management

Session 2: Cash Flow Modeling

Whether you are using a cash flow model from Plansmith or something you developed internally, this session will give you the guidance you need to ensure your modeling efforts meet regulatory expectations.

This session includes a comprehensive discussion of:

  • Cash Flow Models - the purpose of cash flow models, how they should be laid out, what time periods should be covered, and how often they should be prepared
  • Key Model Assumptions - guidance for developing and documenting key assumptions for your cash flow model
  • Stressed Scenarios - assistance developing appropriate stressed scenarios for both institution specific and systemic events

Session 3: Liquidity Policies and Contingency Funding Plans

The 2010 Interagency Policy Statement on Funding and Liquidity Risk Management included extensive guidance on what should be contained in your policies. Have you successfully revised your liquidity policies and CFP to incorporate this latest guidance?

  • Policies and Plans - details on the key provisions examiners look for when reviewing your Liquidity Policies and Contingency Funding Plans
  • Risk Parameters and Limits - guidance on setting appropriate risk parameters and limits for all key measurement systems (ratios and models) and insights as to what risk limits examiners generally take exception to
  • Stressed Scenarios and Your CFP - assistance in tying cash flow model stressed scenarios to your Contingency Funding Plan and how to document the relationship between the cash flow model and CFP

Session 4: Liquidity Controls, Independent Review, and Testing the Plan

This session goes beyond measurements and policy guidance to cover the remaining key elements of a sound liquidity management program.

  • Internal Controls - learn how to implement sound liquidity management internal controls, including procedures, approval processes, reconciliations, reviews, and other mechanisms
  • Independent Review - learn how to adhere to the new regulatory requirements for independent review of a liquidity risk management program
  • Testing Your Plan - understand what bank management should be doing to test a Contingency Funding Plan and assess its reliability under times of stress


About Dave Wicklund:

Dave leads Plansmith's Educational and Advisory Services Division. He provides advisory services focusing on ALM model assumption development, policy guidance, independent review/validation, backtesting, and regulatory compliance.

Prior to joining Plansmith, Dave spent over 20 years at the FDIC, serving as Senior Bank Examiner and Capital Markets Subject Matter Expert. While at the FDIC, Dave co-developed and served as a lead course instructor for the FDIC's Asset/Liability Management School, developed nation-wide materials and led train-the-trainer sessions for the FDIC's Evaluating IRR Models training course, was an instructor at the Federal Reserve Board of Chicago's Asset/Liability Lab, and served as Examiner-in-Charge of numerous community bank examinations. Dave was an instructor for the FDIC's Directors College and has authored several articles released to community bankers on interest rate risk, independent review requirements, and liquidity risk management.

Have questions? Contact Dave Wicklund at 800-323-3281 or

And remember, you can get the complete training package for only $1,595!

Purchase the Training