Description

A focused course, tailored for you

The Retired Bank Risk Expert Board Advisory Playbook

Name: The Retired Bank Risk Expert Board Advisory Playbook
Price: 199 USD
Availability: InStock

Translate four decades of US bank risk judgement into a board advisory practice that holds up under examiner-grade scrutiny.

You have the judgement. The board chairman wants the memo. What sits between the two is a documented advisory practice with priced artefacts, scoped engagement letters, and examiner-readable deliverables.

$199 one-time

Tailored to your situation. Access within 24 hours. 30-day money-back.

Includes a hand-built implementation playbook delivered alongside course access, generated for your specific situation.

Why this course

Retired senior risk officers from major US bank holding companies carry a portfolio of judgement that community banks, mid-sized regional banks, fintech holding companies, and bank-adjacent boards would pay a five-figure annual retainer to access. The friction is rarely demand. It is packaging. The retired risk officer knows what a defensible credit concentration limit looks like, what a clean operational risk appetite statement reads as, what the OCC, FDIC, and Federal Reserve examiner teams flag on a community bank exam, and what the audit committee chair needs to file in the meeting record. None of that is written down in a form a board chairman can buy. The result is friends-and-family advisory work for free, the occasional one-off project, and a slow drift away from the field. This course closes that gap. It builds the practice the way a paid advisory engagement actually runs, with the artefacts a board pays for, the engagement-letter clauses that protect the advisor, and the regulator-readable language that survives the next exam cycle.

What you walk away with

Stand up a board-advisory practice with a priced retainer, a scope-limited engagement letter, and three named deliverable types.
Produce a pre-meeting risk appetite review that a community bank audit committee can adopt as filed.
Write a dissenting-vote memo that the chairman can take to the regulator without reading as an internal-control failure.
Build a quarterly examiner-readiness brief that names what the OCC, FDIC, or Fed examiner team will look for next cycle.
Convert one specific judgement call (credit concentration, operational risk capital, model validation cadence) into a retainer renewal trigger.

The 12 modules

Module 1. The Retired-Risk-Expert Commercial Shape

The four monetisable practice shapes available to a retired senior bank risk officer: community-bank board director, fintech holding company advisor, examiner-prep contractor, and named-expert witness. The economics of each, the time commitment, the typical retainer band, the liability shape, and how the four can be stacked without conflict. Why a single-shape practice tends to collapse and a stacked one survives a chairman turnover.

Module 2. Pricing the Practice and Writing the Retainer Letter

Annual retainer bands for community-bank board director seats and risk advisory engagements, what the equivalent hourly rate is for a one-off project, and what a defensible engagement letter looks like. Templates for scope, deliverables, indemnity, conflict, termination, and the unhelpful clauses to strike. Why the retainer reads as a documented services contract rather than a board fee, and the tax implications of each.

Module 3. The Pre-Meeting Risk Appetite Review

Walk-through of a community-bank pre-meeting risk appetite review that the audit committee chairman receives 72 hours before the meeting. Covers credit, operational, market, liquidity, compliance, and reputation risk in one document. Names the trigger thresholds a defensible appetite statement carries. Worked example from a community bank credit concentration limit that an OCC examiner team flagged the prior cycle.

Module 4. Credit Concentration Limits Under Examiner Scrutiny

What the OCC and FDIC examiner teams actually test when they read a community bank credit concentration limit. Single-borrower, industry, geography, and product concentration. The supervisory letters and matters-requiring-attention language that comes back when the limit reads as token. How a board advisor writes the limit so the next exam reads it as evidence of risk governance rather than a documented exception waiting to happen.

Module 5. Operational Risk Appetite and the Three-Lines Memo

Operational risk capital, the three-lines-of-defence governance model, and the operational risk appetite statement the audit committee files each year. The four categories the supervisor reads first: internal fraud, external fraud, business disruption, and execution and delivery. The memo template a board advisor produces for the audit committee to adopt, with the loss-event-threshold language and the escalation cadence the regulator expects.

Module 6. Model Risk Governance for Community and Regional Banks

SR 11-7 model risk management expectations adapted for community and regional banks that lack a dedicated model risk function. What model inventory the audit committee should request, what validation cadence is defensible, and what the board advisor writes when management proposes a credit-decision model without an independent validation. Worked example from a small business lending decision model.

Module 7. The Dissenting Memo and Audit-Committee Voting Records

How a board advisor writes a dissenting memo on a CRO recommendation without triggering an internal-control finding. The clauses that protect the dissenting director, the language that reads as governance rather than personality conflict, and the audit-committee voting record format the regulator reads next exam cycle. Worked example from a loan loss reserve methodology dispute.

Module 8. Quarterly Examiner-Readiness Brief

The 8-12 page quarterly brief a board advisor produces for the audit committee that names what the OCC, FDIC, or Federal Reserve examiner team will probe in the next cycle. Sourced from supervisory letters, recent enforcement actions, examiner-conference statements, and the bank's prior MRAs and MRIAs. Names the open MRAs, the closure evidence the chairman should request, and the management response gaps.

Module 9. Fintech Holding Company Risk Advisory

How a retired bank risk officer translates into the fintech holding company board context. The bank-as-a-service partner bank model, the BSA-AML and consumer-protection risk that the holding company carries even when the partner bank holds the charter, and the supervisory framework the Federal Reserve applies. The advisory deliverable a fintech CEO actually pays for, and what to refuse to advise on.

Module 10. Liquidity, IRR, and the Treasury-Risk Adjacent Brief

Interest rate risk, liquidity risk, and the treasury-risk adjacency that community-bank boards often under-resource. What the audit committee needs to see each quarter: net interest income sensitivity, deposit beta assumptions, contingent funding plan, and the regulator's recent guidance after the regional-bank failures. The brief template a board advisor produces, with the assumption-testing language that holds up under examiner challenge.

Module 11. Named-Expert Witness and Litigation Support

The third commercial shape available to a retired senior bank risk officer: named-expert witness in regulatory enforcement defence, internal-investigation support, and civil litigation around lending and risk governance. The engagement letter clauses that protect the expert, the daily rate band, the discovery-production discipline, and the conflict-screen process. Why this work pays well and consumes calendar time in unpredictable bursts.

Module 12. Twelve-Month Practice Build and Renewal Trigger Calendar

The twelve-month calendar a board advisory practice runs on: which deliverable is due in which month, which retainer renewal conversation lands when, what the audit-committee-chair touchpoint cadence is, and what the named renewal trigger artefact is for each engagement. Includes the marketing-light pipeline of two community-bank chairmen and one fintech CEO per quarter, sourced through the bank-association and examiner-alumni networks the recipient already has.

How this addresses your situation

Specific modules that map to what you said you are dealing with.

A community bank chairman asks for a written read on the draft enterprise risk appetite statement before the Q3 OCC exam.

A fintech holding company CEO wants an independent risk advisor on the board for the next funding round but does not know what the engagement letter should say.

A regional bank audit committee chair needs a dissenting memo filed on a loan loss reserve methodology vote that survives examiner review.

An internal investigation at a community bank credit function requires a named-expert witness with documented prior bank holding company risk leadership experience.

What you get with this course

Twelve written modules in the Art of Service learning environment.
Engagement-letter templates for board director, advisory retainer, examiner-prep contractor, and named-expert witness shapes.
Pre-meeting risk appetite review template with the worked community-bank example.
Dissenting memo template with the audit-committee voting record format.
Quarterly examiner-readiness brief template with the supervisory-letter source list.
Hand-built implementation playbook tailored to the recipient's specific bank-of-record background and target practice shape.

What you will have in hand by Day 1, Week 1, Month 1

Course access provisioned within 24 hours of purchase.

Implementation playbook delivered alongside course access.

First retainer conversation typically lands within 30 to 60 days of completing modules 1 through 3.

First audit-committee deliverable typically lands within 90 days.

Before and after

Before

Forty years of US bank risk judgement, a few friends-and-family advisory conversations, no priced retainer, no documented deliverable shape, and a slow drift away from the field.

After

A scoped advisory practice with two community-bank chairman retainers, one fintech holding company board seat, a documented quarterly examiner-readiness brief that the audit committee files, and a renewal trigger calendar for the next twelve months.

What happens if you do not address this

The judgement portfolio depreciates fast once the supervisory framework moves. Within eighteen months of leaving the seat, the practice-relevant detail starts to fade and the market discounts the retired-CRO rate accordingly. The window for converting the judgement into a paid practice is now, not later.

Who it is for

Retired or near-retirement senior risk professionals from US bank holding companies, regional banks, or large commercial banks. CRO, deputy CRO, head of credit risk, head of operational risk, head of model risk, head of enterprise risk. Now sitting on or considering a community bank board, a fintech holding company board, a credit union advisory committee, or an independent advisory shingle.

Who this is NOT for. Active sitting CROs at top-50 US banks who already have their next role lined up. Retired investment-bank market-risk professionals whose practice is quant rather than judgement. Anyone who wants a hobby retirement; this course is for paid advisory work with a defined commercial shape.

How it arrives

Text-based course in the Art of Service learning environment, plus downloadable templates and worked examples for every module, plus the hand-built implementation playbook delivered alongside course access.

Time investment. Roughly 10 to 14 hours across the twelve modules, plus the implementation playbook review. Most readers work through it across two or three sittings.

Why $199 is the right number

The alternatives are: take the friends-and-family advisory work for free until it fades, pay a Big4 retirement-transition consultant 25 to 40 thousand USD for a generic practice setup, or read scattered American Bankers Association and Risk Management Association articles and assemble the practice yourself across six to nine months. This course delivers the artefact set and engagement-letter language at 199 USD with the per-buyer playbook layered on top.

FAQ

Does this work if I left a top-10 US bank rather than a community or regional one?

Yes. The artefact shapes and engagement-letter language are the same. The implementation playbook is hand-built to your bank-of-record background, so the worked examples reflect the supervisory framework you actually operated under.

Do I need to be already on a board to use this?

No. Modules 1, 2, and 12 cover the practice build from a standing start, including the bank-association and examiner-alumni network pipeline that produces the first chairman conversation.

How is the implementation playbook tailored?

It is hand-built per buyer based on the buyer's prior bank-of-record, the target practice shape (community-bank board, fintech advisor, examiner-prep contractor, named-expert witness), and the geographic supervisor footprint. Delivered alongside course access.

What format does the course arrive in?

Text-based modules in the learning environment, with downloadable templates and worked examples for every module, plus the hand-built implementation playbook delivered alongside course access.

30-day money-back guarantee. If after a week of working through the materials this is not what you needed, reply to the receipt email and a full refund is processed. No questions, no forms.

Within 24 hours your account in the learning environment is provisioned and the tailored implementation playbook is delivered alongside it.