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🚨 Canadian Mortgage Fraud
🚨 As if the growing mortgage payment is not enough, Canadian homeowners now have a new thing to worry about. Criminals are eyeing to...
Frank Tian
Feb 5, 20231 min read
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Crypto Winter Froze Silvergate Bank
If you haven’t heard of Silvergate Bank, you are not alone. It is a bank in San Diego, California. I worked at San Diego for 5 years and...
Frank Tian
Jan 23, 20231 min read
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📂 “Where can I find that document?”
Did you ask this question in the past few weeks, hoping that your colleague was still in the office? Or did you get asked about this...
Frank Tian
Jan 7, 20231 min read
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9 Things to Watch in Consumer Credit.
1. Will the central bank succeed in taming high inflation with a soft landing? The ideal scenario for businesses and consumers: the...
Frank Tian
Jan 1, 20232 min read
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🏠 Canadian Mortgage Risk Update
Big 5 banks’ Q4 earnings reports are out. Here is an update of the mortgage book. 👇 It is a very Rough estimate, as each bank reports...
Frank Tian
Dec 4, 20221 min read
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My Book / Career Advice
Glad to hear my book has been listed as a required reading by a risk solution company for their employees. I am thankful to people who...
Frank Tian
Nov 28, 20221 min read
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Canadians Reaching Tigger Rate
Canadians heard the mortgage trigger rate a lot. How many mortgages have reached that? The answer from the Bank of Canada 👇 Out of a...
Frank Tian
Nov 25, 20221 min read
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📉 Banks Need to Act Now
📉 The macro environment is challenging Not only for fintechs, but also for banks What can banks do now? McKinsey & Company studied 600...
Frank Tian
Nov 22, 20221 min read
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💸 The FTX Saga
FTX once played the central bank role in the crypto world. Now it went bankrupt. The aspiring new financial world realizes it still needs...
Frank Tian
Nov 13, 20221 min read
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💳 I Got a Credit Line Decrease (CLD)
This hasn’t happened in years. I actually got multiple line increases in the last 3 years. Is it a sign of a change in overall consumer...
Frank Tian
Nov 2, 20221 min read
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🙅♂️ Loan Application Not Available
A newly launched loan product between a bank and its non-bank partner has suspended applications for days. According to unnamed sources,...
Frank Tian
Oct 29, 20221 min read
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🤯 Risk Replay: Credit Suisse’s $5.5B Archegoes Mishap
This week, Credit Suisse grabs the financial market’s attention again. The bank is still standing. However, it is clearly haunted by...
Frank Tian
Oct 3, 20222 min read
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🏦 Thoughts on BaaS Risk Management
It is no coincidence that several connections reached out in the last few weeks to ask about embedded finance and Banking-as-a-Service...
Frank Tian
Sep 7, 20224 min read
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🏠 Canadian Mortgage Risk Snapshot - Q3 '22
Canadian Real Estate Tanks Fast This Year. How much risk is in the overall mortgage portfolio? 👇 Here is a Rough view of the Big 5...
Frank Tian
Aug 30, 20221 min read
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BIS on Big Tech Risk
🚩 Risk Rising from Technology Efficiency BIS recently published a report to warn about the risk of growing dependencies on big techs -...
Frank Tian
Jul 31, 20221 min read
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Rogers Outage
One major Canadian telecommunication company has had a massive outage across the country since this morning. It impacts a wide range of...
Frank Tian
Jul 13, 20221 min read
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Recession Risk Management
The fear of recession quickly spreads in the last 3 months. Meanwhile, the consumer credit loss rate is still historically low. How to...
Frank Tian
Jul 9, 20222 min read
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Brex Ending SMB Relationship
Grow Out of The Relationship Brex, a 5-year-old fintech specializing in corporate credit cards for startups, is parting ways with the key...
Frank Tian
Jul 1, 20221 min read
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A New and Unknown Universe - Crypto
As more attention is drawn to the virtual Metaverse, this GARP article shared possible opportunities for risk managers, from credit risk,...
Frank Tian
May 8, 20221 min read
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Yellen on Crypto
Responsible innovation. Risk management. Yellen shared her latest view on cryptocurrency last week. Both crypto enthusiasts and critics...
Frank Tian
Apr 28, 20221 min read
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