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Keith St. Germain

Keith St. Germain is a Director at CrossCountry Consulting. Keith has over 13 years of consulting experience, focusing on performance improvement within the Financial Services industry. This includes finance transformation, business process re-design, organizational and target operating model assessments, organizational change management and regulatory requirement responses. Click here to read Keith's full bio.
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Recent Posts

Why Recognize a Credit Loss for a Financial Asset That Was Just Purchased at Fair Value?

Collaborating author: Tracy Abruzzo

Many stakeholders wonder why the CECL model requires an entity to recognize a credit loss for a financial asset that was just purchased at fair value.

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How CECL Impacts AFS and HTM Debt Securities

Collaborating author: Tracy Abruzzo

As CECL’s effective date draws nearer, many now recognize that CECL requires an estimate of the expected credit losses over the life of the instrument be recognized on Day 1 and subsequent reporting dates as a credit loss with the recognition of a...

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The 4 steps to building a CECL implementation plan

Contributing Author: Tim Biddle 

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CECL Modeling: In-House or 3rd Party? Choose Wisely

Contributing Author: Tim Biddle

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IFRS 9 & CECL: A dual reporting challenge

Collaborating Author: Victoria Redmond

By now you have heard that CECL is looming for US GAAP-compliant preparers, but have you heard about the IASB’s equivalent and even faster approaching regulation, standard IFRS 9?

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3 steps to ensure your data is compliant with CECL

Collaborating Author: Tim Biddle

If you are a financial institution, then you probably have spent time learning more about CECL and the challenges it will have on your data capabilities. You may be asking yourself, “Why is data and data management so much more important to CECL compliance than...

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Dodd-Frank Integrated Mortgage Lending Disclosure Rule Delayed


On June 24th, 2015 the Consumer Financial Protection Bureau (“CFPB”) issued a proposal to delay the August 1st, 2015 effective implementation date of its Truth-in-Lending Act (“TILA”) and Real Estate Settlement Procedures Act (“RESPA”) Integrated Disclosure legislation.  Per the...

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Process and Technology: Blurred Lines

As we become increasingly reliant on technology, the lines between process and software begin to blur. In thinking about transforming your organization, do you find yourself asking these questions?

  • Where does process improvement end and software automation begin?
  • Does software really help...
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Don’t Let New Dodd-Frank Regulations Keep You Off the Beach


Summer often brings to mind lazy days, time spent at the beach or lake, and generally enjoying nice weather. For those in the banking industry, summer 2015 may as well be renamed the “Summer of Dodd- Frank”. There are several key dates coming up this summer for both U.S. banks and...

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