Articles by Patrick Totty

ALM Goes to the Front of the Line

Regulators are coming down on CUs that don't do thorough ALM.
For most credit unions, asset/liability management (ALM) has been a “get in line” topic: Get in line behind security, marketing, loan origination and tracking, member relationships, and a host of other pressing matters.
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Credit Cards: Keep a Lid on Losses

Pay attention to your products, the market, and regulations to maintain high credit quality.
Pay attention to your products, the market, and regulations to maintain high credit quality.
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Protective Patterns

New innovations in biometrics manage access control and staff attendance.
Even with advanced technologies such as retinal scans, fingerprints remain the staple biometric identity authentication.
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Comply or Die

Don't skimp on compliance, especially as it relates to security.
Think you can put off data security compliance to stretch a limited operating budget? Think again.
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Stay in Front of Members

Database marketing, branding raise CUs above the marketing clutter.
Consciously or not, credit unions amass immense amounts of data about their members. Analyzed properly, those data can be the basis of intensely focused, highly productive marketing approaches that recognize demographic differences among members.
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CRM Success Depends More on Strategy Than Software

If you've recently installed CRM software and are wondering how to measure its effectiveness, here's a bit of advice.
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