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How “shadow rate sheets” will disrupt your Net Interest Margin in 2020



Dustin Allen


Exception and promotional pricing has displaced traditional book pricing strategies in the latest rate cycle.  For most financial institutions, the process for designing and delivering exception pricing has not kept up with the demand from customers and front-line teams.  In this webinar, Dustin Allen will discuss how you should think about cost of funds management through 2019 and 2020, and what you can to do proactively keep your cost of deposits from spiraling out of control.


  1. What is “Exception Pricing” and why has it become so prevalent?
  2. How banks can adapt to the changing consumer to embrace exception pricing as strategy.
  3. Learn how to gather intelligence on competitor exception rates, and ensure a fair and consistent administration of exception pricing at your bank.


  1. Greater understanding of the environment of pricing, exceptions, and the impact on cost of funds.
  2. Improve vision of change management, discipline, systems, and policies required to become empowered in administering exception pricing.
  3. Become better informed on what customer attributes should be considered when creating an exception price and learn how technology can remove the friction from the process and improve the client experience. 

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Dustin Allen

Dustin Allen is the Senior Director of Global Deposits Solutions for Nomis.  Dustin joined Nomis after nearly 15 years working in banks and credit unions ranging from $90 Million to $70 Billion in assets.  While his banking background is in product, marketing and PR, he is passionate about helping banks manage their greatest strategic resource; FDIC and NCUA-insured deposits.  Prior to joining Nomis, he was the Senior Vice President of Consumer and Retail Deposits for Zions Bancorporation.

In addition to working with financial institutions around the world, Dustin is on the Board of Trustees for The Road Home, a housing provider and shelter provider for the homeless in Salt Lake City. He is also an adjunct instructor of Finance at the University of Utah.  Dustin has a bachelor’s degree in Marketing from the University of Utah and Masters of Business from UCLA.


09/19/2019 at 2:00 PM (EDT)   |  60 minutes
09/19/2019 at 2:00 PM (EDT)   |  60 minutes Please click the button to the right to join the webinar.