--- title: Turning a Solid Risk Management Framework into a Competitive Advantage description: In a recent American Bankers Association podcast, Spinnaker’s Cara Williams spoke about how to position your bank for success in the current risk landscape. image: https://www.spinnakerconsultinggroup.com/hubfs/shutterstock_1242616783%20copy.jpg --- [![Spinnaker Consulting Logo](https://www.spinnakerconsultinggroup.com/hubfs/spinnaker-logo.svg "Spinnaker Consulting Logo")](https://spinnakerconsultinggroup.com) [tel:804.510.0768](tel:804.510.0768) Menu - [Culture](https://www.spinnakerconsultinggroup.com/culture) - [Work](https://www.spinnakerconsultinggroup.com/work) - [Differentiators](https://www.spinnakerconsultinggroup.com/differentiators) - [Insights](https://www.spinnakerconsultinggroup.com/insights) - [Experts](https://www.spinnakerconsultinggroup.com/experts) - [Contact Us](https://www.spinnakerconsultinggroup.com/contact) Risk Management & Regulatory Compliance, Change Management, Compliance, Risk Management 1 minute read # Turning a Solid Risk Management Framework into a Competitive Advantage Apr 13, 2021 Written by: Cara Williams - Share Post: - [mailto:?subject=Spinnaker%20Consulting:%20Turning%20a%20Solid%20Risk%20Management%20Framework%20into%20a%20Competitive%20Advantage&body=Here%20are%20some%20insights%20from%20Spinnaker%20Consulting%20I%20think%20you%20should%20check%20out:%20https://www.spinnakerconsultinggroup.com/insights/blog/aba_cw_podcast](mailto:?subject=Spinnaker%20Consulting:%20Turning%20a%20Solid%20Risk%20Management%20Framework%20into%20a%20Competitive%20Advantage&body=Here%20are%20some%20insights%20from%20Spinnaker%20Consulting%20I%20think%20you%20should%20check%20out:%20https://www.spinnakerconsultinggroup.com/insights/blog/aba_cw_podcast) - Too often, banks – and their employees – think of traditional risk management teams as the heart of your organization’s defense. After all, aren’t they the ones responsible for making sure you follow the rules, mitigate risks and fix things when they go wrong (especially when it’s a big regulatory issue)?   If that’s your mindset, you’re shortchanging your bank by pigeonholing risk management into one area – when ideally every single employee should play an active role. In fact, establishing an enterprise culture that embraces risk management creates a competitive edge for your bank.   In a recent [American Bankers Association podcast](https://www.aba.com/news-research/podcasts/spinnaker-turning-a-solid-risk-management-framework-into-a-competitive-advantage), I spoke with [Ryan Rasske](https://www.linkedin.com/in/ryanrasske/), the ABA’s senior vice president for Risk and Compliance Markets, about how to position your bank for success in the current risk landscape.  We covered three key topics during our 10-minute conversation:  - **The impact of 2020 on how organizations approach risk:** As vaccines allow people and companies to transition from safer-at-home conditions, banks are preparing for the “next normal,” and the downstream implications of employees coming back to the office. Concurrently, continued low interest rates and their accompanying tight margins are leading to new markets, continued emphasis on digital transformations and a push for innovative offerings. - **Why it’s critical to get risk strategy right:** Take one wrong step and you’re putting customers, your organization and the brand at greater risk. And with early signs of renewed regulatory focus from the Biden administration and the Consumer Financial Protection Bureau (CFPB), bankers cannot risk the time and effort associated with a regulatory ding. - **How your board and senior executives set the tone:** Saying a risk-aware culture starts at the top isn’t lip service. When leaders speak loudly and model those behaviors, this culture comes to life across the bank. Your leaders must underscore that all employees have roles and responsibilities to protect your bank from risk, including speaking up when they identify gaps and working collaboratively on remediation. ## **The Client Benefits** It’s never been more important to have a robust framework for how your bank manages risk, whether in pursuing a new business opportunity or ensuring regulatory compliance. [Listen now ](https://www.aba.com/news-research/podcasts/spinnaker-turning-a-solid-risk-management-framework-into-a-competitive-advantage)for essential insights on what to consider and why a risk-aware culture matters. - Share This Post - [mailto:?subject=Spinnaker%20Consulting:%20Turning%20a%20Solid%20Risk%20Management%20Framework%20into%20a%20Competitive%20Advantage&body=Here%20are%20some%20insights%20from%20Spinnaker%20Consulting%20I%20think%20you%20should%20check%20out:%20https://www.spinnakerconsultinggroup.com/insights/blog/aba_cw_podcast](mailto:?subject=Spinnaker%20Consulting:%20Turning%20a%20Solid%20Risk%20Management%20Framework%20into%20a%20Competitive%20Advantage&body=Here%20are%20some%20insights%20from%20Spinnaker%20Consulting%20I%20think%20you%20should%20check%20out:%20https://www.spinnakerconsultinggroup.com/insights/blog/aba_cw_podcast) - ## Related Articles ### [Closing Marketing Operations Gaps Drives Effective Digital Transformation Mar 3, 2021 The Big Picture Digital transformations are designed to make things easier for customers and banks. In the process, however, companies often face unexpected hurdles. Using these moments to address emerging challenges is important, but there’s also much to gain from taking a step back – and, when necessary, leveraging an outsider’s eye and experience – to see if other meaningful opportunities have been overlooked. Customer Channels & Operations Management, Data & Analytics, Risk Management & Regulatory Compliance 1 minute read](https://www.spinnakerconsultinggroup.com/insights/blog/marcomops_case_study) ### [The Credit Cycle Is Turning: Is Your Portfolio Strategy Aligned? Jul 17, 2025 Credit conditions are tightening. Borrower risk signals are shifting, and vulnerabilities hidden during stimulus years are surfacing. As delinquencies rise, banks that proactively reassess credit risk and portfolio strategy before losses accelerate will navigate this downturn successfully. Operational Efficiency, Collections 2 minute read](https://www.spinnakerconsultinggroup.com/insights/blog/credit-cycle-is-turning) ### [Automation and Data Visualization Streamlines Risk Reporting and Enhances Compliance Mar 19, 2021 The Big Picture We remember spending hours (if not days) each month in mind-numbing tedium as junior analysts, producing regular reporting for our business lines. The recurring exercise had us piecing together data from various sources, manually updating Excel files and praying fervently that none of the associated formulas got corrupted along the way. Excel would generate new graphs, which we transferred over to PowerPoint, and, more often than not, further manipulation would be required to fit them into the approved templates to avoid formatting glitches. Copy-Paste was both our dearest friend and greatest foe. Data & Analytics, Compliance 2 minute read](https://www.spinnakerconsultinggroup.com/insights/blog/risk_reporting_rationalization) - Let's **Talk** - [804.510.0768](tel:804.510.0768) - [info@spinnakerconsultinggroup.com](mailto:info@spinnakerconsultinggroup.com) - [mailto:info@spinnakerconsultinggroup.com](mailto:info@spinnakerconsultinggroup.com) - #### Subscribe To Our Blog Like how we think? Subscribe to have our articles delivered direct to your inbox each month. **Headquarters:** [8000 Franklin Farms Drive, Suite 100, Richmond, VA 23229](https://www.google.com/maps?ll=37.60197,-77.545775&z=17&t=m&hl=en&gl=US&mapclient=embed&cid=10375661570052893047) ©2026 Spinnaker Consulting Group. All rights reserved. - [Privacy Policy](https://www.spinnakerconsultinggroup.com/privacy-policy) ![](https://px.ads.linkedin.com/collect/?pid=552770&fmt=gif)