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Frank Tian
Feb 5, 20231 min read
🚨 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...
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Frank Tian
Jan 23, 20231 min read
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...
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Frank Tian
Jan 7, 20231 min read
📂 “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...
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Frank Tian
Jan 1, 20232 min read
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...
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Frank Tian
Dec 4, 20221 min read
🏠 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...
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Frank Tian
Nov 28, 20221 min read
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...
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Frank Tian
Nov 25, 20221 min read
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...
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Frank Tian
Nov 22, 20221 min read
📉 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...
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Frank Tian
Nov 13, 20221 min read
💸 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...
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Frank Tian
Nov 2, 20221 min read
💳 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...
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Frank Tian
Oct 29, 20221 min read
🙅♂️ 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,...
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Frank Tian
Oct 3, 20222 min read
🤯 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...
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Frank Tian
Sep 7, 20224 min read
🏦 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...
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Frank Tian
Aug 30, 20221 min read
🏠 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...
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Frank Tian
Jul 31, 20221 min read
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 -...
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Frank Tian
Jul 13, 20221 min read
Rogers Outage
One major Canadian telecommunication company has had a massive outage across the country since this morning. It impacts a wide range of...
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Frank Tian
Jul 9, 20222 min read
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...
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Frank Tian
Jul 1, 20221 min read
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...
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Frank Tian
May 8, 20221 min read
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,...
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Frank Tian
Apr 28, 20221 min read
Yellen on Crypto
Responsible innovation. Risk management. Yellen shared her latest view on cryptocurrency last week. Both crypto enthusiasts and critics...
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