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Monthly meeting Wednesday April 16

  • 04/16/2014
  • 11:30 AM - 1:00 PM
  • Seasons 52, 2502 East Camelback Road, Phoenix 85016


  • This option is for members who prepaid for meetings.
  • If you need to pay by check, please fill out the form on the Manual Registration page
  • This option is for members who did not prepay for meetings.

Registration is closed

Bank Risk Analytics for Practitioners


Wednesday, April 16, 2014

11:30 a.m.- 1:00 p.m.

Seasons 52, 2502 East Camelback Road, Phoenix 85016


Partial members and guests: $30

Full members: included in annual membership


Payment is by PayPal. If you need to pay by check, please register with check payment and then complete the form on the Offline Meeting Registration tab of our web site.


Dennis Santiago will present an introduction to the methods and techniques used to increase transparency of banks and the risks they take. You will learn how U.S. banks report detailed information to regulatory agencies, used by bank regulators to assess safety and soundness. These objective measurements examine the counterparty riskiness of banks at the fundamental level and are used to see beyond the subjective – and sometimes volatile - reputational indicators of market based research. Such assessments are used by professional funds managers to manage placements as they risk-manage portfolios of institutions in varying degrees of health. You will take away valuable information to assist in improving your internal diligence and monitoring.


  • History of how U.S. banking has evolved since the 2008 financial crisis with emphasis on how these trends could affect future economic recovery and systemic risk.
  • A current events review of emerging banking regulations such as Basel III and Liquidity Coverage rules. New Notices of Proposed Rule Making (NPRM’s) constantly emerge from U.S. regulators.
  • Improving corporate adequacy of internal controls: the use of modern techniques for interpreting bank data.




Mr. Santiago is Total Bank Solutions’ subject matter expert on bank risk analysis. He is the architect and author of TBS’s Bank Monitor system which is used by regulators, banks, corporations and investors to assess financial counterparty risks. TBS acquired TBS Bank Monitor in June 2013 from Institutional Risk Analytics (IRA), a firm co-founded by Mr. Santiago and his partner Mr. R. Christopher Whalen in 2003. Dennis and Chris were among the outcast analysts who vocally warned of the risks threatening the U.S. economy due to sub-prime lending and derivatives between 2004 and 2007. Since 2008, Mr. Santiago has used his mathematical expertise to build a suite of tools meant to minimize the risk that future "blind alley" systemic risks will threaten the U.S. economy again. He holds a Bachelors of Science degree in Electrical Engineering from the University of California, Irvine and an MBA from the Anderson Graduate School of Management at UCLA.

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