2. The Risk Management Association

3. The Risk Management Association
Membership
The Risk Management Association

4. The Risk Management Association
Who Can Join RMA?
The Risk Management Association

5. There are two types of RMA Membership:
Membership Types
There are two types of RMA Membership:
Institutional
Individual

6. Institutional Membership
Banks, thrifts, investment banks, insurance companies, regulatory and supervisory authorities, government and quasi-government entities.
Canadian credit unions, but not U.S. credit unions.
Dues based on the total assets of the institution.
Note: government and quasi-government entities (such as your local CDC) do not have to pay institutional dues. They may join at $0, however they do have to pay for their Associate members and are required to have at least one Associate member.
U.S. based credit unions are not eligible for membership due to their tax exempt status, however they may purchase RMA services at the nonmember rate.

7. Individual Memberships
Associate
Only an employee of an Institutional member of RMA may become an Associate.
Annual Associate membership dues:
$75.
Chapter fees are additional (if applicable).
Continuing Associate
Former Associates who have moved to nonmember institutions.
CRC Associate
Individual member who has passed the CRC exam and is with a nonmember bank.

8. Other Individual Memberships
Professional Members
Individuals from the nonbank financial services industry (finance/leasing companies).
Individuals from professional services firms (accounting, law, consulting, appraisal, etc.).
Individuals must be in a banking related field to qualify for Professional membership.

9. Other Individual Memberships (cont.)
Academic
Professors teaching risk management full-time at accredited institutions.
Student
Full-time student with risk management major (business, finance, accounting, etc).

10. Benefits of Membership
The Risk Management Association

11. Institutional Membership Benefits
Two individual Associate memberships: Senior and Alternate.
Annual Statement Studies.
RMA member pricing on all products and services for entire organization.
Industry Best Practices.
Invitations to specialized round tables.

12. Individual Membership Benefits
Associate member pricing.
RMA Journal subscription/digital Journal.
Free downloads of articles and study packs.
Regulatory Insider – regulatory and industry updates.
Member roster*.
Free downloads of studies (surveys).
Opportunity to serve on a local or national board, council, or committee.
Member Roster is only available to non Professional Members due to privacy issues.
Many of these benefits can be accessed from “My Account” on the RMA HQ website:

13. Chapter Tips: Membership Recruitment
The Risk Management Association

14. Chapter Tips: Types of Membership
Institutional membership does not automatically make you an individual (associate) member
Professional members provide diversity, expertise, and networking opportunities
Academic and student memberships can build non-traditional connections with the educational community
TIP – Individual memberships of all types are an under-utilized opportunity for most chapters (“low-hanging fruit”)

15. Chapter Tips: Membership Campaign
Ongoing throughout the year
Use as a motivational tool
Offer local incentives
Utilize Board member contacts
Work closely with RMAHQ and your Regional Manager

16. Chapter Tips: Recruitment Tools and Tips
Identify “unreached” institutions
Consider a broader geographic base if appropriate
Target institutions who have recently begun to increase attendance in meetings
Identify institutions who were former members
Consider non-member banks who have recently hired a former RMA associate from another bank (utilize this person as an advocate)
Offer a complimentary meeting at no cost to non-members at least once per year

17. Chapter Tips: Membership Retention
The Risk Management Association

18. Information & Communication
Information is powerful
Communicate with members regularly
Publish regular newsletters to communicate key chapter activities and recognize members
Use various channels of communication
Use the slide deck at chapter meetings to communicate information about RMA

19. Personal Touch Make your members feel important and appreciated
Recognize members in newsletters or at meetings
Develop a “new member’s welcome packet”
Make sure members know the key chapter personnel/officers
Assign board members to personally welcome new members at chapter meetings

20. Personal Touch Involve members as much as possible
Programs need to focus on relevant topics/speakers
Conduct periodic surveys of members to insure that their needs are being met
Listen to suggestions from the members

21. RMA Member-Get-a-Member Program
The Risk Management Association

22. RMA Member-Get-a-Member Program
Members recruiting new members
All Associate and Professional members are eligible
Enroll to become a “Liaison”
Form available in brochure
Or register online
New member must fill in the “referred by” line on the application

23. RMA Member-Get-a-Member Program
Program runs from August 1 through June 30
Different award levels based on number of recruits
Liaisons (One Star and above) will be recognized in The RMA Journal and the website

24. RMA Member-Get-a-Member Program
All liaisons who achieve a One Star level or above, will receive a special membership card and a special gift.
Award Levels:
One Star Liaison – 5 recruits
10% discount on RMA products/Open Enrollments
$10 Starbucks Gift Card

25. RMA Member-Get-a-Member Program
Two Star Liaison – 10 recruits
10% discount on RMA products/Open Enrollments
$25 Amazon Gift Card
Free individual membership for a year
Three Star Liaison – 15 recruits
$50 Amazon Gift Card
Free registration and recognition at RMA Annual Conference

26. RMA Member-Get-a-Member Program
Four Star Liaison – Top Recruiter (min achievement of Three Star level to be eligible)
All awards of the Three Star Liaison
Free registration and 2 nights hotel stay at RMA Annual Conference
Plaque awarded at RMA Annual Conference
Invitation to Chairman’s Dinner at RMA Annual Conference.
Member Roster is only available to non Professional Members due to privacy issues.
Many of these benefits can be accessed from “My Account” on the RMA HQ website:

27. Chapter Membership Campaign
The Risk Management Association

28. Chapter Membership Campaign
Institutions
Chapter recruits new institutions year round
Campaign runs June 1 – May 31
No need for special application, chapter automatically receives credit for new recruits
Chapter gets a $100 rebate for banks recruited June through January and a $50 rebate for banks recruited February through May
Chapter gets a $100 rebate for banks that renew in the second year.
Member Roster is only available to non Professional Members due to privacy issues.
Many of these benefits can be accessed from “My Account” on the RMA HQ website:

29. Chapter Membership Campaign
Individuals
Chapters will earn STAR points based on net increase of individual members
200 points for a net positive number of total individuals
Top chapter in each region with the largest net increase of individual members receives a 5% bonus on their total STAR points
Member Roster is only available to non Professional Members due to privacy issues.
Many of these benefits can be accessed from “My Account” on the RMA HQ website:

30. Chapter Membership Campaign
Chapters will receive a monetary rebate based on net % increase in total individual members:
2% - 9.9% = $100 rebate
10% % = $200 rebate
20% - 30% = $300 rebate
Member Roster is only available to non Professional Members due to privacy issues.
Many of these benefits can be accessed from “My Account” on the RMA HQ website:

31. The Risk Management Association
RMA Chapters
The Risk Management Association

32. RMA Chapters The face of RMA. To many members, the chapters are RMA.
Run by local volunteers.
109 active chapters in North America.
Four international chapters.
Independent entities.
The chapters are extremely important to the RMA model. Many members experience RMA only through the chapters local programming and networking opportunities.
Chapters are independent entities with their own Tax ID, bylaws, and articles of incorporation. They are much like a franchise. All chapters are asked to sign an affiliation agreement for the use of the RMA name and affiliation.
Nine inactive chapters (this is why you may see RMA report a larger number of chapters).
Become inactive due to mergers, economic changes, etc.
Potential to be active again as interest, industry demographics, and economic conditions change.

33. What Do Chapters Offer? General membership meetings.
Networking events.
Educational events – open enrollments and locally developed courses.
Round tables.
Affinity group meetings (Young Professionals, Compliance, Women in Banking).
Scholarships.
Charity events.
University activities.
Internship programs.

34. RMA Regions Chapters & Community Banks Puerto Rico – Laurie Foster
Hong Kong, Singapore, Australia – John Baier
Northeast Region – Mango
Central Region – Martin
Southeast Region – Munro
Western Region – Jester
Chapters & Community Banks

35. The Risk Management Association
Chapter Resources
The Risk Management Association
Use these slides for your planning meeting and board meetings

36. Chapter Resources Regional Managers. STAR Report – planning tool.
Chapter websites.
Toolboxes.
Templates.
Cosponsored open enrollments.
Membership lists.
Sample chapter bylaws.
D&O liability insurance referral.
Information regarding IRS regulations.
Chapter Leaders Conference.
The four Regional Managers act as liaisons between the chapters and RMA.
The RMs attend meetings and provide best practices.
Share best practices through conference calls and personal visits.
OEs are cosponsored. The chapters select the course, we book the course and the instructor, and do national marketing. The chapter does local marketing and makes sure the facility is set up.
Tools and resources include: website, billing, OE marketing, banners, marketing flyers, templates.

37. Regional Managers Chapters and Community Banks
Central Region: Laura Martin
Northeast Region: Mike Mango
Southeast Region: Cindee Munro
Western Region: Erin Jester
Large Banks
Central Region: Jeff Thormann
Northeast Region: Bill Truscott
Southeast Region: Laurie Foster
Western Region: John Baier
RMA has two sets of regional managers that handle member relations:
1 Chapters and Community Banks.
2 Large Banks.

38. The STAR Report: A Planning Document
STAR = Strategies to Achieve Results
Six Sections:
Planning and Leadership
Programming
Membership
Communication
Reporting
Education
Chapter Awards:
Platinum
Gold
Silver
Bronze

39. The STAR Report: A Planning Document (cont.)
The RMA fiscal year is September 1 to August 31.
Minimum point levels are required for each chapter award level.
Chapter awards are announced at RMA’s Annual Conference each October.
Each chapter should hold a planning meeting before August each year.

40. Chapter Websites RMA has created a website for each chapter.
The chapter can manage it on their own, or send information to HQ for updates.
Chapters can post meeting notices, newsletters, chapter contacts, past events, membership applications, and affinity group information.
Chapter open enrollment courses will automatically feed to the chapter site.

41. Chapter Websites (cont.)

42. RMA Jargon RM = Regional Manager.
RE = Regional Executive (former title of RM).
Tick Tock (scheduling your educational courses).
OE = open enrollment (educational courses).
HQ = Headquarters.
LDP = Lending Decision Process.
CSCS = Credit Skills Certificate Series.
RMA U = RMA University.

43. Chapter Leaders Conference
Annual conference for chapters – registration and two nights hotel stay covered by HQ.
Provides chapters with leadership skills, networking opportunities, and tools to effectively run a chapter.
Up to three chapter board members from each chapter can attend at no cost.
Average attendance of 250.
Pass out brochure.

44. Open Enrollments Chapters select courses and obtain a facility.
Chapter provides snacks and refreshments.
Chapter welcomes group and introduces instructor.
RMA HQ schedules the course and instructor.
RMA HQ develops marketing material, sends national s and course catalog.
Chapter markets course to local participants.

45. Open Enrollments (cont.)
Tick Tock (course selection catalog) is sent to chapter in spring.
All courses must have a minimum of seven registrants three weeks prior to the course date to avoid cancellation (12 for Analyzing Construction Contractors).
Chapter receives royalties from RMA HQ: $15 per person, increasing to $25 per person if more than 15 people are registered for the course (royalties are paid per day of class).
Example: If a two day course is held, royalty would be multiplied by two.

46. The Risk Management Association
Then and Now

47. Mission Statement
RMA is a member-driven professional association whose sole purpose is to advance sound risk principles in the financial services industry. RMA helps our members use sound risk principles to improve institutional performance and financial stability and enhance the risk competency of individuals through information, education, peer sharing, and networking.

48. RMA History
Founded as the Robert Morris Club in 1914 to facilitate the exchange of credit information.
Became the Robert Morris Associates:
Named for American patriot Robert Morris.
Signer of the Declaration of Independence.
Principal financier of the Revolutionary War.
Organizer of the first national bank, Bank of North America.
Helped establish our country's banking system.
In 1916, RMA adopted Code of Ethics, which is now Principles for the Exchange of Commercial Credit Information.

49. RMA Today 2,500 institutional members: Banks of all sizes.
Nonbank financial institutions.
16,000 RMA Associates:
Relationship managers
Credit officers
Risk managers
Other financial services professionals with responsibilities related to the risk management function.
122 chapters: North America, Asia, Australia, and Europe.

50. RMA Today (cont.) Provides premier risk management services :
ERM, credit, market, and operational risk.
Best practices
Education
Publications, including The RMA Journal.
Conferences, forums, and round tables.
Industry data, including eStatement Studies.
Regulatory Compliance
Securities Lending

51. RMA’s Structure
RMA’s board, councils, and committees act as consultants, judges, recruiters, reviewers, and advisors while carrying out RMA’s mission and contributing to the value of RMA membership.
RMA Board of Directors.
Officers.
Seven councils.
11 committees.

52. RMA Values Caring: Includes community outreach programs.
Integrity: We deliver on our promises.
Teamwork: We work in a collaborative environment resulting in the best products and services for our members.
Excellence: We deliver value to our members.
Pride: We celebrate our contributions to our members.

53. RMA Member Relations Staff
Bill Githens President & CEO
Donna Shields Executive Assistant
Member Relations
Lisa McBride Director, Chapters & Community Banks
Jack Harcourt Director, Large Banks & International
Central Region Laura Martin, Manager John DiPompeo, Admin. Northeast Region Mike Mango, Manager Rosemarie Casler, Admin. Southeast Region Cindee Munro, Manager John DiPompeo, Admin. Western Region Erin Jester, Manager Rosemarie Casler, Admin.
Central Region Jeff Thormann, Manager Erin Wible, Admin. Northeast Region Bill Truscott, Manager Erin Wible, Admin. Southeast Region Laurie Foster, Manager Erin Wible, Admin. Western Region & Asia John Baier, Manager Stacy Forcina-Read, Sr. Admin.
Europe Mark Heaton, Manager Stacy Forcina-Read, Sr. Admin.
Anna Shuman Admin. Supervisor
Stacy Forcina-Read Sr. Admin. Coord.
Briefly go over the organization of the Member Relations department, which is the area that services the member institutions and chapters.
Debbie Trexler Seminars Coord.

54. The Risk Management Association
Products and Services
The Risk Management Association

55. RMA Products and Services
eMentor
Diagnostic assessments
Credit Skills Certificate Series.
RMA University Online – LDP and CRE LDP.
In-house training.
Forums and specialized training.
Credit Risk Certified (CRC).

56. The Risk Management Association
eMentor
The Risk Management Association

57. Industry reports
Credit considerations
Best practices
Fundamentals exam
Regional data
Case studies
Statement Studies
Templates

58. Hand out sample reports.
All industry data
and economic data.

59. The Diagnostic Assessment
The Risk Management Association

60. Diagnostic Assessment
Used to determine training needs within an institution.
Online Web-based delivery.
Scores: significant, moderate, acceptable.
Remediation links through eMentor or through use of OEs and other training methods.
Helps a bank to budget training dollars and determine training needs.
Purchased by the institution, not the individual.

61. C&I Diagnostic Assessment
160 questions
Suggested minimum of 24 months experience.
Seven major assessment areas:
Financial Accounting
Risk Assessment
Financial Statement Analysis
Cash Flow Analysis
Loan Structuring
Legal and Documentation Issues
Problem Loan Management
Each assessment area (module) is taken independently and scored independently.

62. CRE Diagnostic Assessment
60 test questions.
Suggested experience of 18–30 months.
Six major assessment areas:
Types of CRE Loans, Risk Areas, and Performance Drivers.
CRE Underwriting Process.
Financing and Monitoring Different Types of Properties.
Understanding and Evaluating Leases, Appraisals, and Environmental Assessments.
Loan Structure and Documentation Considerations.
Construction Lending.
One big assessment of 60 question (not taken in modules).

63. Certification and Certificates
The Risk Management Association

64. Credit Risk Certified (CRC)
Confirm your credit risk management expertise.
Differentiate you from your peers.
Enhance your personal and professional value within the world of credit and lending.
Offered twice per year.
126 (128 Canadian version) multiple choice questions/5.5 hours.
45 hours of continuing education every three years.
Over 900 people certified.

65. Credit Skills Certificate Series (CSCS)
Formal validation of credit and lending skills.
Easy-to-follow program – the courses and levels are clearly outlined.
Demonstrated readiness to assume ever-increasing levels of responsibility.
Enhanced self confidence.
Distinction of being among the best.

66. Credit Skills Certificate Series (CSCS)
CSI: Introductory Credit Risk and Lending.
CSII: Intermediate Credit Risk and Lending.
CSIII: Advanced Credit Risk and Lending:
Track One: Advanced Real Estate.
Track Two: Advanced Credit and Lending.

67. The Risk Management Association
RMA University Online
The Risk Management Association

68. RMA University Online
Lending Decision Process – six series of courses (17 total courses).
CRE Lending Decision Process – six series of courses (14 total courses).
Interactive tutorial available at (select RMA University Online, then select Lending Decision Process).
Courses can be purchased as a complete library or as a series.

69. Lending Decision Process (LDP)
Series 1: Industry, Management, and Economic Influences.
Series 2: Interpreting Quality of Financial Reports and Accounts.
Series 3: Analyzing the Company's Financial Performance and Condition.
Series 4: The Cash Cycle, Seasonality, and Discovering Borrowing Causes and Repayment Sources.
Series 5: Analyzing Cash Flow Statements to Measure Long-term Repayment Ability.
Series 6: Using Financial Projections to Fine Tune the Credit Analysis.

70. CRE Lending Decision Process (CRE LDP)
Series 1: Types of CRE Loans, Risk Areas, and Performance Drivers.
Series 2: The CRE Underwriting Process.
Series 3: Financing Different Types of Commercial Properties.
Series 4: Understanding and Evaluating Leases, Appraisals, and Environmental Assessments.
Series 5: Loan Structure and Documentation Considerations.
Series 6: Construction Lending.

71. Point out features:
Case Study.
Job Aids.
Notes Taking Abilities.
Managers Office – overview.
Training Room – training manager provides training.
My Office – work on your exercises.
LDP also has a Peer office where your peer will share some tips with you.

72. Web Seminars and Audio Conferences
A series of specialized recorded Web seminars.
Operational risk Web seminars.
Risk Management Audio Conference Series.
Regulatory and legislative updates.

73. The Risk Management Association
Classroom Training
The Risk Management Association

74. In-House Training (In-Banks and Publication Purchases)
Ideal for banks with a need to train approximately 20 people.
RMA instructor sent to the institution.
Can tailor to meet bank’s needs.
Customization also available.
Member banks can also purchase the materials (PMs and IG) and teach the course themselves if they have a subject matter expert and a willing facilitator.

75. Open Enrollments Held in various cities across North America.
Scheduled by the chapter based on the needs of the market.
Most classes are one day long; some two-day classes.
Week-long Lending Academy.

76. Forums Specialized Training
Real Estate Appraisal Managers Forum
Commercial Real Estate lending Forum
Loan Operations Managers Forum
Loan Review Department Managers Forum
Credit Department Managers Forum
Health Care Lending Forum
ERM Forum
Operational Risk Forum
These are listed in the Career Development Catalog as they are scheduled.

77. Workshops and Other Specialized Training
Credit Department Managers Workshop
Credit Portfolio Management Workshop
The Risk Management School
Liquidity Risk and Asset Liability Management Seminar
Operational Risk Management Discussion Group

78. The Risk Management Association
Risk Disciplines
The Risk Management Association

79. Enterprise Risk Management (ERM)
Enterprise risk management (ERM) is a framework to reduce earnings volatility through a robust risk governance structure and strong risk culture, supported by sound risk management capabilities. It is the organization’s enterprise risk competence—the ability to understand, control, and articulate the nature and level of risks taken in pursuit of business strategies—coupled with accountability for risks taken and activities engaged in, which contributes to increased confidence shown by stakeholders.

80. ERM Events and Offerings
The Risk Management School.
ERM Seminars.
ERM forums and round tables.
ERM workbooks:
Risk Appetite
Stress Testing
Governance
More to come
Some of these workbooks are available now. Some are in development.

81. The Advanced Risk Management Program at the Wharton School
Two-week risk management program offered at the Wharton School (2 one-week sessions).
Focuses on credit, market, operational, business, strategic, and reputation risks.
Designed for risk managers and executives on track for broader assignments.
This program is designed for larger institutions.

82. Credit Risk Annual Risk Management Conference.
Risk Management Audio Conference Series.
Round tables.
Forums.
Web seminars.
Credit Risk Certification.
Credit Skills Certificate Series.

83. Operational Risk Offerings
GCOR – annual Governance, Compliance and Operational Risk Conference (Boston).
OpRisk Forum, held in conjunction with the Annual Conference.
ORMDG – Operational Risk Management Discussion Group (Chicago, San Francisco, Philadelphia, Charlotte).
Advanced Operational Risk Class. 
Operational Risk Experience Class.
Detecting and Preventing Fraud in Commercial Lending.
Operational Risk for Regional and Community Bankers.

84. Operational Risk Offerings (cont.)
Web Seminars
Key Risk indicators: What They Are and Why You Need Them
Operational Risk: An Overview
Practical Approaches to Operational Risk Management for Regional and Community Banks
AMA Group
Operational Risk: An Interactive Introduction Computer-based interactive instruction course designed for any individual or small institution interested in an introduction to or an overview of operational risk management.
Industry position papers.
Meetings with Fed, OCC, FDIC, and CFPB.

85. Operational Risk Benchmarking
Operational Risk Round Table Series (invitation-only; by bank’s asset size).
Range of practice surveys:
Scenario Analysis Range of Practice.
KRI survey.
Data and Capital Range of Practice.
Fiduciary Risk.
Operational Risk E-Newsletter (for members only).

86. Regulatory Compliance
With a finger on the pulse of the financial services industry, RMA acts as a liaison between institutions and bank regulatory agencies to bring you the latest updates, meeting often with industry regulators to discuss issues of mutual concern.
As a not-for-profit, professional association, RMA does not lobby on behalf of the industry.

87. Regulatory Compliance (cont.)
Regulatory Insider.
Regulatory Roundup – eNewsletter.
RMA Capital Working Group.
Response to notices of proposed rulemaking (NPR).
Regular visits with regulatory agencies.

90. The Risk Management Association
Thank You!
The Risk Management Association