Creating the Right Enterprise Risk Management (ERM) Program for YOUR Community Bank

Why Should You Attend:

Risk Management is at the heart of banking and every bank has to have processes, policies, and procedures in place in order to assess and manage the risks on their balance sheet. Marci shares the fundamental pieces of the ERM puzzle, how they relate to each other, and how to integrate your ERM program into the bank’s Strategic Plan. It will describes the various components of a strong ERM program. In this educational session, you will learn how to put your program together using all the parts you already have in your bank. Learn how you can make the process fun and how your team will become closer as they work together with the common goal of protecting the bank’s assets while fulfilling your bank’s vision.

Note : Although we will cover the ERM Risk Assessment, this webinar does not cover completing Risk Assessments for all the various areas of the bank. Increase overall awareness of ERM in your bank.

Learning Objectives:

• Increase overall knowledge of ERM and what it means to have an ERM Program
• Understand the three ongoing phases of ERM
• Understand how ERM is integrated into the bank’s Strategic Plan
• How to integrate other ERM components into it
• How to create an ERM Committee Charter
• How to complete the ERM Risk Assessment Matrix
• Benefits of having an ERM Program established

Areas Covered in the Webinar:

• ERM general background and key definitions
• Identifying the specific building blocks/components of a simple yet complete ERM Program covering the three key areas of ERM:
• Identifying and Assessing Risk
• Mitigating and Eliminating Risk
• Monitoring and Reporting Risk
• Creating an ERM Committee Charter
• Choosing the right ERM Committee members
• Integrating the ERM Program into your Strategic Plan
• Creating the Risk Management Appetite and Tolerance Statement – Description of Process
• Implementing your ERM Program
• Keeping the process fun while complying with regulations and protecting your bank—consistently in every area!
• ERM Program Flowchart

Who Will Benefit:

• Chief Risk Officers
• Risk Managers
• Chief Credit Officers
• Chief Financial Officers
• Compliance Officers
• Internal Auditors
• Board Directors who want to learn more about ERM
• Bank Presidents involved in the risk management process and their ERM program

Marci Malzahn
Founder and President, Malzahn Strategic

Marcia (Marci) Malzahn is the president and founder of Malzahn Strategic, a community bank consultancy focused on strategic planning, enterprise risk management, and talent management. Marci has 23 years of banking experience, the last ten as the EVP/CFO/COO of a community bank she helped start where she oversaw all the bank operations areas, including finance, IT, compliance, internal audit, deposit/loan operations, office management, risk management, and HR. In her last year as EVP/COO/CRO, Marci created and focused on the bank's risk management program. She was also the corporate secretary of both the holding company and the bank.

Before starting the bank in 2005, Marci took a detour from banking for five years and worked for a $34 million revenue non-profit organization where she led IT, HR and Finance. Marci's extensive experience in banking infrastructure and her passion to help other banks succeed led her to establish Malzahn Strategic in 2014.

Marci is the recipient of a number of professional awards, is a published author of three books and an international bilingual professional speaker, speaking frequently at banking conferences and associations as well as webinars. Marci holds a B.A. in business management from Bethel University and is a graduate of the Graduate School of Banking in Madison, Wisconsin.

Topic Background:

Enterprise Risk Management has been around since the 1980’s but it has now become more prominent in the banking industry due to increased global risks. Banks that have an ERM Program established are better positioned to grow successfully. The ERM Program based on best practices ensures banks have a strong foundation and solid infrastructure which helps them foresee and prepare for future risks while achieving their organization’s vision. In this session, we focus on assessing what pieces of the puzzle you already have and how to complete the ERM Program at your institution.

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