The Art of Strategic ERM™

Our ERM POV

At OnPoint, we feel that straight-forward, strategic and disciplined Enterprise Risk Management is what’s needed for today’s needs in the financial space. It begins with a frank discussion on what’s needed to build a proactive – not reactive – strategic approach that fits your unique objectives and corporate culture.

We’ve seen firsthand how proven ERM Processes will protect and strengthen businesses.

STRAIGHT-FORWARD

We simply don’t have time for anything less than a frank discussion and assessment of your risk needs.

What’s at stake? It’s not a matter of if, but when a risk event presents itself. It’s our job to make sure you’re equipped and covered with appropriate processes, mitigation and communication strategies to meet those needs.

STRATEGIC

Proactive–not reactive.

That’s the hallmark of true ERM. And ultimately, it’s your unique business objectives and corporate culture – not a one-size-fits-all template – that drives our 360º approach to your ERM solutions.

DISCIPLINED

When everything is created to fit your unique objectives and corporate culture, a disciplined approach becomes easy to implement and carry through into a new risk culture.

And It’s effective because it’s owned by the entire governance framework of your organization.

ARE YOU ASKING THE RIGHT QUESTIONS?

  • IS YOUR ERM STRATEGIC OR REACTIVE?

    Is an emphasis on risk from senior management? From your board? Is risk continually assessed across the entire enterprise? Is there a common risk language and approach, or is it compartmentalized in silos? Do you have real-time analysis of risk controls, thresholds and indicators? Or is it simply ad hoc?

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  • Do you know your risk appetite?

    Defining your risk appetite needs to be viewed as embracing the opportunity to set a boundary around how much risk your organization is willing to take. Your risk appetite – to be truly effective – should be articulated according to your unique organizational objectives, along with clearly defined risk tolerances so that you can determine your risk capacity and establish key metrics to track. 

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  • CAN YOU AFFORD TO IMPROVE YOUR ERM?

    Perhaps a better question to be asked would be, “Can you afford NOT to improve your ERM?“. When you are aware of your risk tolerances, you come face-to-face with what risks you need to monitor the most. When processes and communication lines are developed to mitigate those risks that have been prioritized accordingly, the answer becomes clear. More than circumventing significant unforeseen expense – it’s about enrichment of workplace satisfaction and quality of life.

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  • DO YOU KNOW THE ANATOMY OF SUCCESSFUL ERM?

    Do you have a robust ERM framework? Do you have the type of risk & controls library that eliminates time and management time costs? Are your risk practitioners experienced in best-practices suited for banking? It starts and ends with management commitment.

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  • Is your credit risk program strategically aligned?

    Are potential exposures in your Credit Risk Management Program made visible in time to mitigate risk? Does the front line know the organization's appetite for risk by categories of credit type, amount, and risk profile?

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KEY DELIVERY COMPONENTS

Financial Analytics

  • Budgeting & Reporting

    Streamline the budgeting and reporting process with a comprehensive solution that incorporates branch, board, and external reporting — complete with allocations and consolidating entries.

  • Loan and Deposit Reporting

    Capture instrument level loan and deposit data to analyze profitability and activity by customer, product, loan officer, and more.

  • Forecasting & Strategic Planning

    Easily generate detailed, driver-based rolling forecasts to project financial performance over the short and long-term.

  • Daily Dashboards

    Monitor and manage the business day-to-day using a highly graphical intuitive interface for operating, performance, and risk metrics.

Risk Management

  • Enterprise Risk Management

    Liberate execution of the Strategic Plan with a 3 Lines of Defense risk management program including risk appetite, top risks, and key risk indicators covering key governance, credit, operations, market and technology risk.

  • Enterprise Stress Testing

    Simulate prospective economic scenarios and see the potential impact on capital and financial performance while gaining visibility to the organization’s risk profile.

  • Compliance

    Assess, gain visibility and strategically 
    manage compliance risk across the enterprise while executing the strategic plan of the organization.

  • Internal Audit

    Globally assess key risks exposures and controls effectiveness while streamlining processes that enhance the execution of the strategic plan.

  • Technology Governance

    Strategically coordinate the overall information technology structure to ensure that risks, activities, resources and investments create value while supporting key initiatives of the organization.

Credit Risk

  • Credit Risk Rating Scorecards

    Accurately assess credit risk with a suite of customizable two-dimensional scorecards that rate both the borrower and collateral, and quantify expected loss for risk rating, pricing, and portfolio risk management.

  • Allowance for Credit Losses

    Leverage advanced credit risk analytics to calculate an allowance that accurately reflects the level of risk in the portfolio and complies with the latest accounting standards.

  • Credit Portfolio Analytics

    Prospectively manage risk in the loan portfolio by gaining forward-looking visibility into incremental changes in credit quality and migration of credit risk.

  • Credit Portfolio Stress Testing

    Simulate prospective economic scenarios and see the potential impact on charge-offs and the provision for loan losses while identifying higher risk profile segments of the loan portfolio.

ERM COMPLETE PROGRAM SERVICES

ERM COMPLETE PROGRAM

Our Toolkit to build a Complete ERM Program

Complete Suite of ERM Content for Risk, Compliance, and Audit

Proven Banking Success

Thousands of Hours Saved

Adaptable to Any Financial Institution

CREDIT RISK (ECRM) COMPLETE

Turns Expected Loss into a Strategic advantage

Complete suite for Credit Risk, Stress Testing, Loss Allowances, and Analytics

Alignment of Credit Risk to your Strategic Plan

Gives Visibility to Prospective Exposures and Potential Losses

Improve Return on Capital

ERM SUPPORT CONSULTING

Support Services for Implementation

Core Team of ERM Professionals

Leverage OnPoint’s Experience

Use Exactly When/Where Needed


ERM COMPLETE COMPONENTS

COMPLIANCE PROGRAM

Enterprise-wide Compliance Risk Management

Global Compliance Risk Assessment

Key Oversight, Monitoring, Review, Testing

Corporate Compliance Structures

Key Risk Indicators

AUDIT PROGRAM

Comprehensive Internal Audit Program

Internal Audit Strategic Plan

Board-level and Internal Audit Structures

IIA Standards Alignment

Business Process Auditing & COSO Framework

TECHNOLOGY GOVERNANCE

Technology Governance & Strategic Plan

CoBIT Framework Technology

Innovation, Efficiency, and Quality Planning

KRI & KPI Inventory

Risk Optimization

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