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Frank Tian
Jun 28, 20231 min read
Auto Loan Update
🚗 How is the auto loan doing in 2023 so far? Everything is up. 🟦 Auto Price Up The new car price index continues to climb in May, ...
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Frank Tian
Jun 22, 20231 min read
🤖 Chatbots Save FI billions - not without risks.
Chatbots have become popular in the financial industry - in 2022, almost 100 million people in the US or 37% of the population engaged...
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Frank Tian
Jun 16, 20231 min read
Payment Companies in Regulators’ Scope
🇺🇸 US CFPB recently reminded consumers that funds parked in payment apps are not subject to deposit insurance. The growth of non-bank...
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Frank Tian
Jun 13, 20232 min read
Updated Guideline for BaaS
On June 6th, The Fed, OCC, and FDIC jointly released an updated guideline for banks’ third party risk management. This has been highly...
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Frank Tian
May 23, 20231 min read
Canadian Banks Q2 Reserve Update
🇨🇦 Banks Q2 Reports Another quarter with a modest reserve increase. In Q2 (ending Apr), the collective reserves of the big 5 Canadian...
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Frank Tian
May 11, 20231 min read
How to Lend Money to Strangers - Podcast Dropped
🎶 Do you know the Coffin Dance? The meme music somehow showed up in my conversation with Brendan Le Grange on his podcast. The...
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Frank Tian
May 5, 20231 min read
💸Check-kiting - Live and Large
In the 2002 movie “Catch Me If You Can”, Leonardo DiCaprio played a top con man who defrauded many banks with fake checks - that was in...
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Frank Tian
May 1, 20231 min read
Chase/FRB Transaction Overview
Stayed calm - both the market and the public. The fall of First Republic Bank did not trigger the panic button as the previous bank...
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Frank Tian
Apr 29, 20231 min read
🇨🇦 Latest Financial Risk Outlook
In April, the Canadian financial regulator OSFI released its annual outlook of financial system risks. 1️⃣ Housing market downturn risk...
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Frank Tian
Apr 9, 20232 min read
OpenAI, BloombergGPT, and Coca-Cola
As I wrapped up my book 2.5 years ago, I identified some opportunities in consumer credit risk management. While I didn’t know about the...
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Frank Tian
Apr 5, 20231 min read
Stay Calm - What happened to banks/consumers
Stay calm. The message from the SVB CEO was not enough. It took a series of actions from the US president, the Treasury, multiple...
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Frank Tian
Apr 3, 20231 min read
Risk Manager - A Thankless Job
Had SVB not failed, nobody would notice the absence of their top risk manager in 2022. This perfectly illustrates the role of risk and...
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Frank Tian
Apr 1, 20231 min read
Canadian Banking - 100 Years History
After the 2008 Great Financial Crisis, a friend in Asia asked me what made Canada largely stay out of trouble. One of my colleagues said...
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Frank Tian
Mar 30, 20231 min read
The Test of 3 Recessions
At the height of the 2008 Great Financial Crisis, I learned the following from a Chief Risk Officer. The recession is a good time to test...
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Frank Tian
Mar 26, 20231 min read
📈 Specialty Banks 📉
The traditional full-service banking model has been challenged by many specialized operators. However, the current banking crisis...
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Frank Tian
Mar 16, 20231 min read
SVB Life Lesson
I was surprised to realize the SVB event had reached beyond the banking/tech world, Arriving at my family dinner table last night. My...
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Frank Tian
Mar 13, 20231 min read
🇨🇦 Bank Reserves
The 3-year Pandemic Journey 🇨🇦 Bank Reserves Big 5 Canadian banks started the 1st quarter in fiscal year ‘23 with another allowance...
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Frank Tian
Mar 7, 20232 min read
🦿 7 AI Use Cases for Consumer Risk Professionals
Lately I have been thinking - how risk folks could leverage the latest Generative AI? Let’s look beyond the limitations of current tools...
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Frank Tian
Feb 14, 20231 min read
📉 2023 Stress Test Scenario is Out
On Feb 10, the Fed released this year’s stress testing scenario. It is an annual exercise to gauge the largest US banks’ capabilities to...
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Frank Tian
Feb 11, 20231 min read
🏈 Super Bowl, Crypto and Meme Stock
Super Bowl time again - what is different this year is you won’t see any crypto commercials. When things are going well, you can...
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