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Maren Colon

Charting a Course with Promotional Deposit Rates- How to Own Your Direction in 2019

Includes a Live Event on 05/08/2019 at 2:00 PM (EDT)



Dave Nicholson, Director of Customer Success, Deposits Practice, Nomis Solutions

James Sibanda, Principal of Analytic Services, Deposits Practice, Nomis Solutions


We anticipate 2019 to be a year in which precision with Promotional pricing separates the field.  A challenging rate environment and continued competitive pressures will stress margins, differentiating competitors efficiently trading interest expense across portfolio segments in support of Promotional activity and wisely managing Promotional tactics.


In our experience, finding tradeoffs within Deposits portfolios requires abnormal skill navigating voluminous, high definition insights into customers’ elasticity towards deposits rates.  Managing the tradeoffs over time involves honing rigorous monitoring and recalibration routines tied to supporting models.  Explicit in both competencies are recognitions of the limits of how far your historical data can take you in understanding elasticity.  We believe it worthwhile leveraging the value of what you know AND what you don’t know. 


In this session, we will dig into the implications of recent Yield Curve shifts on your Promotional Deposits activity.  We will explore several high impact visualizations of live consumer deposits data, including deep dives into recent acquisitions and intra bank transitions.  We will also dig into model monitoring and recalibration routines as we see them integrated with responsive pricing strategies.  Based on these views, we will work through several strategic and tactical implications for Promotional Deposits activity.  Ultimately, we will model best practices we see banks employ when approaching, synthesizing and leveraging vast deposits data for pricing decisions.


1. Recent macroeconomic and competitive trends setting the stage for Promotional Deposits pricing in 2019

2. Concise, actionable visualizations of key deposit customer behaviors and balance trends

3. Strategic and tactical implications flowing from the visualizations


1. Gain actionable strategic and tactical insights into deposits product management and pricing flowing from live bank data

2. Experience best practices for approaching, synthesizing and visualizing vast consumer deposits data that can be replicated within your institution

3. Attain select, efficient competitive and macroeconomic insights

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Dave Nicholson

Director of Customer Success, Nomis Solutions

Dave Nicholson is the Director of Customer Success within the Deposits practice at Nomis Solutions.  In this capacity, Dave’s key responsibility is to help Nomis clients wield as much value as possible from the messages available within clients’ data.  Prior to joining Nomis, Dave spent 10 years in the financial services industry, holding positions in product management, pricing, marketing analytics and sales process within Bank of America and Union Bank of California.  Dave is a native of North Carolina and holds an MBA from Duke University.

James Sibanda

Principal of Analytic Services, Nomis Solutions

James Sibanda is a Principal Business Consultant within the US Deposits Practice at Nomis Solutions. James brings deep, real-world analytic experience to the Practice following a decade within the financial services industry, having served directly within banks and consulting firms.  James specializes in helping banks use the pricing lever to meet their balance and profitability objectives.  James holds an MA in Economics from the University of Akron.


05/08/2019 at 2:00 PM (EDT)   |  60 minutes
05/08/2019 at 2:00 PM (EDT)   |  60 minutes Please click the button to the right to join the webinar.