Independent ALM & CECL model validations
Hire an expert who knows the math, the regulations and dozens of models.
Independent ALM & CECL validations for credit unions and banks, backed by more than two decades of work across many models.
20+
Years advising financial institutions & performing ALM & CECL validations
100+
Institutions advised directly across multiple states
$100M–$5B+
Asset range of institutions served
Many
Major ALM & CECL platforms validated.
1,000+
ALCO & Board Presentations
The practice
A validation is only as valuable as the experience behind it.
More than two decades advising financial institutions.
Validations performed on many ALM and CECL models.
Validations are the core of this practice. Additional services include broader consulting work across ALM, CECL, interest rate risk, and liquidity, ranging from one-time engagements on specific issues to ongoing advisory support. Have a specific need? Contact us for a free consultation to see how we can help.
Services
Three areas of work, one practice.
ALM validations
Independent review of every assumption, segmentation, policies, limits, meeting minutes and model output you rely on for IRR measurement and regulatory compliance. Written report tailored to your findings. Every report is unique.
CECL validations
Independent validation of CECL models and underlying assumptions, applying the same depth as the ALM practice. Useful when one provider can credibly cover both functions for your examiner.
Consulting
Targeted advisory work — interest rate risk reviews, response support for examiner findings, assumption work, and policy-limit guidance, drawing on direct experience.
About the practice
Built on more than two decades inside the mechanics of ALM and CECL models.
One credential that is less common in this field: I am the primary developer of an ALM model and a CECL model that has been used by credit unions and banks across the country. Building those models required a deep understanding of the mechanics, assumptions, and limitations that sit beneath the outputs most practitioners see on the surface. That foundation shapes how I approach every validation project.
Over 20 years in the industry
Direct Advisory
More than 100 institutions across multiple states, from under $100M to over $5B in assets.
Examiner-Side
Taught ALM and liquidity concepts to newly commissioned examiners. Frequent industry conference speaker.
Model Builder
Primary developer of an ALM model and CECL model used by credit unions and banks across the country.
Get in touch
Start a conversation about your next validation.
Tell us about your institution and the model in use. We’ll respond with a fee range and proposed timeline before any work begins.