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Erik M. Hoghaug
Senior Business Development Manager
Sheshunoff Management Services
ehoghaug@smslp.com
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Session Description:
As
banks become more refined in the
management of customer overdraft
services, an optimal solution extends
overdraft limits to a customer based
upon their unique propensity and ability
to repay. At the same time, extending
limits beyond what a customer may be
able to repay results in persistent and
unnecessary risk.
This session demonstrates the success of
an overdraft program depends on
extending high limits to a very small
subset of qualifying customers, and
exercising far greater caution with the
large majority of customers. The
effective management of risk in a
successful program requires highly
granular capabilities for monitoring and
reacting to changing customer behaviors
and circumstances.
This session is appropriate for senior
financial executives with
responsibility for Retail Banking,
Overdraft Services, Risk Management,
Marketing, and Strategy Groups.
About Erik Hoghaug:
Erik Hoghaug is the Senior Business
Development Manager for Sheshunoff
Management Services (SMS). In more than
ten years of consulting Erik has worked
in over two hundred financial
institutions helping them increase their
non-interest income by improving how
they manage their non-sufficient funds
line of business.
Erik is a third generation community
banker from North Dakota. Prior to his
consulting career, he served as
Executive Banking Officer and as a
member of the Board of Directors of a
closely held community bank. He also
served four years in the Bush
Administration where he worked for two
cabinet secretaries, U.S. Secretary of
State, James A. Baker, III and U.S.
Transportation Secretary and Chief of
Staff to the President, Samuel K.
Skinner. Erik's final position in
government was his appointment as
Associate Director of the Office of
Political Affairs for the White House.
Erik is a frequent speaker on various
banking topics. He serves as a faculty
member at The Dakota School of Banking
and has taught at the Graduate School of
Banking at Colorado, the Southeastern
School of Banking, and the BAI Graduate
School of Banking. He holds a B.A. in
Political Science from Pepperdine
University.
About Sheshunoff Management Services:
For more than 30 years, the experienced
consultants at Sheshunoff Management
Services have been helping financial
institutions improve bank performance.
Our proven solutions can help your
institution enhance revenue, optimize
business processes, manage risk, meet
regulatory requirements, and find your
best opportunities for growth.
In addition, our experts can assist you
with strategic planning, technology
efficiency, professional education and
development, and investment banking
services. Let a trusted name provide the
tools and solutions you need to meet
your evolving goals and improve
performance.
www.smslp.com
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