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White Papers

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Benefits and Compensation • Compliance • Cybersecurity • Human Resources • Lending • M&A • Marketing • Payments • Strategic PlanningTechnology

Benefits and Compensation

Marrying Investment Policy with Funding Policy in DB Plans
Pentegra Retirement Services
One of my earliest defined benefit (DB) clients, in the early 2000s when actuaries still had broad discretion over interest rate assumptions, was using 8 percent as the discount rate for liabilities. As a quick explanation of what this means, an 8 percent assumption implies a dramatically cheaper funding cost than, say, a 6 percent assumption, because it costs less to accumulate assets over time if you earn more interest. As it turned out in the “lost” decade, anything over 6 percent was too high.





Understanding the Cause and Effects of DDOS 
CSI Managed Services
This white paper examines the various types of DDoS attack modes, recent comments and guidance from regulators related to DDoS and how to mitigate risk for your institution.

Think Like a Hacker  
CSI Managed Services
This white paper examines strategies to defend against dangerous cyber criminals: how to recognize both social engineering and external penetration attacks; ways to identify both types of threats; and strategies to protect your network, institution and customers from falling prey to today’s sophisticated hackers.


Human Resources

The Millennial Takeover: How to Recruit, Engage and Retain the Largest Generation Ever  
Recruiting, engaging and retaining this generation is vital. Find out who these young adults are and what they want out of work. Learn how to leverage an internet to improve workplace feedback and communication, data and analytics and time and resource management.

How to Create a More Strategic HR Department 
More than ever organizations are demanding that their HR departments become more strategic to better contribute to the health and overall wealth of the business. Transforming your existing HR department into a needed strategic component of your growing business takes careful consideration and focus.



Ready, Set, Reset: HELOCs Poised for Billions in Growth
Harland Clarke
September 2014
Three current trends — including draw period expirations — are elevating HELOCs back to the consumer lending star status they were prior to the Great Recession. See how to take advantage of this opportunity to grow your loan portfolio.



Exploring the Business Potential of Generation Z 
Harland Clark
In case you haven't noticed, there's a new generation of bank prospects ready for your attention. Americans born after 1995--dubbed Generation Z--are starting to leave the comfort of home for college. Over the next decade, they'll be finding work, getting married, having their own kids and seeking a financial partner to help them fund a productive lifestyle. Is you bank prepared to fine-tune its marketing messages and communication strategies to pursue their business? If not, here's why you should be.

Tapping the $7.5 Trillion Mass Affluent Market
Harland Clarke
January 2015
As a collective group, Mass Affluents control more than $7.5 trillion in investable assets. Yet, they represent a largely untapped opportunity for financial institutions.

11 Steps to Holistic Loan Marketing
Harland Clarke
August 2015
With a Q1 2015 rise in consumer credit, U.S. lending is showing signs of a comeback. Is your marketing plan solid enough to capture the volume of quality loans you want? ow is the time to review strategies with an eye toward improvement. This white paper will show you how to define,design, test and deploy campaigns that deliver strong results.



Payment Card Data Security
July 2015
Payment cards--credit cards, debit cards, prepaid cards--now generate two out of every three transactions in the U.S. As a financial institution, your cardholders and your card accepting business customers expect you to safeguard their payments information and their underlying accounts. This paper outlines a series of recommended strategies to help ensure the integrity of payment card data.

Strategic Planning

Strategic Budgeting and Planning: How to turn mandatory finance and risk disclosures into strategic tools 
Wolters Kluwer Financial Services 
February 2015
Firms can become lean, agile capital-efficient machines if they aim to become ‘much fitter’ instead of just ‘less fat.’ Psychologically this distinction is important for the board of directors. At present the budgeting, planning and forecasting process is not unlike the popular post-holiday detoxification process that often occurs in January; good intentions set against the social and economic reality of the year ahead. What is needed is a little forethought and determination.



Information Management: How to Think & Act Like a Professional Information Manager
In this White Paper, co-authored by Bonnie Oakes Charron, Founder of Board Concierge, she examines professional information management techniques to help you deliver a first-rate service experience between your board and your organization. Bonnie's 20 years of experiences in governances shines through as she provides real-world best practices for how professional information managers stay ahead by diligently organizing their governance world.

Board Portals: A Guide to Next Generation Meeting Solutions 
This white paper explores what to look for in a board portal provider, how board portals evolved over the generations from the PC-centric to the cloud and mobile and what emerging technologies cloud-first board portals are primed to incorporate.

Get More From Your Core
CSI Managed Services
Banking is all about channels. And as the battle for customer acquisition and retention escalates, victory exceedingly hinges on a bank’s ability to provide an integrated channel experience that gives customers one place to logon, make transactions, transfer money, ask questions — and get the same real-time answer no matter which channel they use. This white paper examines the benefits and efficiencies financial institutions gain by integrating their digital channels and ancillary products through their core processing partnership.