# abrigo.com

> AI-optimized mirror of abrigo.com containing 50 pages totalling 44,010 words of clean markdown content, structured data, and semantic HTML. Original source: https://abrigo.com. Last updated: 2026-09-01T04:06:57.948Z.

Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG).

## Homepage

- [Abrigo: Software for Lending, Financial Crime, Risk & Analytics](/content/site-root.html): Meet Abrigo. Banker's Toolbox + Sageworks + MST, together. From AML to fraud detection and lending, we help financial institutions manage risk and drive growth. (392 words)

## Articles & Blog Posts

- [Abrigo launches agentic AI platform](/content/news/abrigo-launches-agentic-ai-platform/index.html): AI agents help financial institutions scale operations faster, with greater consistency and stronger governance. (674 words)
- [AML & Fraud Detection Software for Community Banks | AbrigoWhy choose Abrigo’s financial crime platform - Abrigo](/content/l/aml-bsa-fraud-detection-software-comparison/index.html): Abrigo's AML/BSA and fraud detection platform delivers 90%+ detection rates and 80% time savings. See how it compares — built for community FIs. (881 words)
- [Model risk management: What SR 26-2 means for financial institutions](/content/blog/model-risk-management-what-sr-26-2-means-for-financial-institutions.html): Considering the FDIC's update, banks should formalize their existing model risk management activities with official policies and procedures.,  (917 words, Aug 28, 2026)
- [Why law enforcement relationships matter in fraud investigations - Abrigo](/content/blog/why-law-enforcement-relationships-matter-in-fraud-investigations.html): If your institution experienced a significant fraud event tomorrow, would your fraud investigations team know who to call in law enforcement? (1,467 words, Aug 26, 2026)
- [Loan pricing model: What to consider for loan origination software | Abrigo](/content/blog/loan-pricing-models-what-to-consider-for-loan-origination-software.html): Financial institutions that utilize loan origination software with a loan pricing model can optimize capital. (1,858 words, Mar 16, 2026)
- [What’s impacting equipment leasing in 2026](/content/blog/whats-impacting-equipment-leasing-in-2026/index.html): Read about the borrower behaviors, risks, and rewards facing equipment leasing lenders in the coming year. (928 words, Jan 16, 2026)
- [Fraud in credit unions: Tackling the threat in 2026](/content/blog/fraud-in-credit-unions-tackling-the-threat-in-2026/index.html): Read this blog for insight into trends, tips, and advice for FinCrime professionals at credit unions in 2026. (1,490 words, Jan 10, 2026)
- [Marijuana safe banking: Will rescheduling bring relief?](/content/blog/marijuana-safe-banking-in-2025-will-rescheduling-bring-relief-for-financial-institutions.html): Speculation around marijuana legislation continues to grow, and financial institutions remain in the challenging position of navigating the gap between expanding state-level legalization and ongoing federal prohibition. (1,312 words, Sep 17, 2025)
- [The real cost of fraud for financial institutions explained - Abrigo](/content/blog/blog-the-true-cost-of-fraud/index.html): Uncover the rising cost of fraud that financial institutions experience, with insights on trends, prevention strategies, and risks. (1,556 words, Jul 23, 2025)
- [Speed up underwriting for small business loans](/content/blog/loan-decisioning-technologys-role-in-small-business-lending.html): Learn how loan decisioning technology helps FI's cut small business loan underwriting time, reduce costs, and grow their SMB portfolio.,  (1,403 words, Aug 2, 2024)
- [Structuring deposits: Best practices for banks](/content/blog/structuring-cash-transactions-example-reviews-and-best-practices.html): Explore structuring deposits: Understand the risks, detection methods, and best practices for banks to ensure compliance. (1,597 words, Jun 27, 2024)
- [Loan covenants refresher: What, when, why & how](/content/blog/loan-covenants-refresher/index.html): Understanding loan covenants, when financial institutions should use them, and how to monitor them supports strong lending portfolios.,  (1,773 words, Nov 12, 2023)
- [An update on the SAFE Banking Act in Congress](/content/blog/safe-banking-act-returns-congress-safe-harbor-for-cannabis-banking-on-the-horizon.html): SAFE Banking Act in Congress: Update on the 2023 bill seeking a safe harbor for cannabis banking to bridge the gap between federal and state laws,  (1,291 words, Aug 29, 2023)
- [Another Disappointing Monthly Jobs Report for September - Abrigo](/content/blog/another-disappointing-monthly-jobs-report-for-september.html): This morning’s Employment Situation report from the Bureau of Labor Statistics for the month of September came in weaker than expected. There were 136,000 jobs added in September, falling short of the expectation of an added 145,000 jobs. The one bright spot was the headline unemployment rate (U3) which fell (300 words, Oct 4, 2019)
- [Should My Financial Institution Enter into This Interest Rate Swap? - Abrigo](/content/blog/should-my-financial-institution-enter-into-this-interest-rate-swap.html): An interest rate swap transaction is a common method for financial institutions to hedge earnings or value at risk. See an interest rate swap example. (960 words, Sep 13, 2019)
- [Leverage New Bank Technology by Examining Current Processes, Pain Points - Abrigo](/content/blog/leverage-new-bank-technology-by-examining-current-processes-pain-points.html): To leverage new bank technology and transform their lending and credit operations, financial institutions should examine existing processes at the same time. This will ensure they and customers get the most out of the changes. (975 words, Sep 9, 2019)
- [August Jobs Report: Hiring Slows, but Wages Increase - Abrigo](/content/blog/august-jobs-report-hiring-slows-but-wages-increase/index.html): This morning’s BLS Employment Situation Report showed a disappointing 130,000 net jobs created for the month of August 2019. (340 words, Sep 6, 2019)
- [What is Loan Pathing? - Abrigo](/content/blog/what-is-loan-pathing/index.html): In an increasingly competitive environment, institutions look for earnings and efficiency gains. Loan pathing may be a solution. (522 words, Mar 25, 2019)
- [The Four Strategic Initiatives Accomplished During FATF Plenary - Abrigo](/content/blog/fatf-plenary-review/index.html): The Financial Action Task Force (FATF) conducted their first Plenary meeting of the new year in Paris on February 20-22. The FATF is a global inter-governmental “policy-making body” with objectives to set standards and promote effective implementation of legal, regulatory and operational measures for combating money laundering, terrorist financing and (681 words, Mar 4, 2019)
- [Time to Revisit CRE Loan Portfolio Management - Abrigo](/content/blog/time-to-review-cre-loan-portfolio-management/index.html): As many community banks continue loosening underwriting standards for commercial real estate (CRE) and regulators heavily scrutinize CRE portfolios, it’s a good time for financial institutions to review their CRE loan portfolio management. (517 words, Feb 26, 2019)
- [Human Trafficking and the $25 Million Mistake - Abrigo](/content/blog/human-trafficking-and-the-25-million-mistake/index.html): Major sporting events around the world are known for increased prostitution surrounding the event, including human trafficking.  Some victim advocate groups debate whether human trafficking truly increases during these events, or if more arrests are made as a result of heightened law enforcement involvement and sting initiatives. The fact remains (354 words, Feb 22, 2019)
- [The Issue of Recoveries and the Proposed ASU - Codification Improvements - Financial Instruments - Abrigo](/content/blog/the-issue-of-recoveries-and-the-proposed-asu-codification-improvements-financial-instruments.html): This is a second in a series of blog posts about the proposed ASU for codification improvements to ASU 2106-13, better known as the CECL standard. Click here to see the initial post in the series and to read some background on the proposed ASU. Issue 1C: Recoveries The issue (956 words, Feb 13, 2019)
- [January 2019 Jobs Report: Is There Strength in Numbers? - Abrigo](/content/blog/january-2019-jobs-report-is-there-strength-in-numbers.html): The number of jobs created in January as revealed in the February 1 Bureau of Labor Statistics’ Employment Situation report could only be characterized as strong. The national economy added 304,000 jobs, approaching double the expectation of about 170,000. Strength in hiring was widespread. Construction, manufacturing, and leisure and hospitality stood (511 words, Feb 13, 2019)
- [Shadow Loss Analysis: Running Parallel Methodologies - Abrigo](/content/blog/shadow-loss-analysis-running-parallel-methodologies.html): Many thanks to Nathan Kelly, SVP, Credit Risk & Reporting Officer, United Bank, and David Jaques, FVP, Credit Analytics Manager, Valley National Bank, for discussing their CECL journey and how partnering with a third party, Abrigo (formerly MST), and running parallel methodologies using the MST Loan Loss Analyzer’s “Shadow Loss (1,822 words, Feb 13, 2019)
- [Cybersecurity and Infrastructure Security Agency Looks to Tighten Cyber Threats  - Abrigo](/content/blog/cybersecurity-and-infrastructure-security-agency-looks-to-tighten-cyber-threats.html): FinCEN reissued their Geographic Targeting Orders (GTOs) to include 12 additional metropolitan areas, lowered the purchase threshold for real estate transactions to $300,000 and included virtual currency purchases.  (419 words, Feb 6, 2019)
- [CECL for Non-Banks: What to Expect - Abrigo](/content/blog/cecl-for-non-banks-what-to-expect/index.html): With almost a year until some public business entities must begin complying with the current expected credit loss (CECL) standard, banks and credit unions have been fervently beginning transition practices, and their preparations have taken center stage in regulatory and financial news. However, a topic less prevalent amidst current CECL (750 words, Dec 7, 2018)
- [Keeping an Eye on Credit Risk - Abrigo](/content/blog/keeping-an-eye-on-credit-risk/index.html): U.S. banks have been posting strong profitability, and credit quality remains sound thus far in 2018. In fact, regulators have noted as much in both the FDIC’s third-quarter banking profile and the OCC National Risk Committee’s semiannual report on risks issued recently. Despite the positive trends, these same regulators expressed (1,055 words, Dec 6, 2018)
- [How Banks, Credit Unions Can Prepare for Fintech Disruption - Abrigo](/content/blog/how-banks-credit-unions-can-prepare-for-fintech-disruption.html): Community banks and credit unions face more competition and disruption than ever before. In an interview for the eBook, Agile Bankers – How Community Banks are Addressing Disruption, Risk and Growth, Tom Bugielski, CEO of Republic Bank of Chicago, says, “The retail banking challenge that we face today is something (955 words, Nov 29, 2018)
- [Will a Decade of Increasing Qualitative Adjustments Come to an End Under CECL? - Abrigo](/content/blog/will-a-decade-of-increasing-qualitative-adjustments-come-to-an-end-under-cecl.html): Qualitative adjustments, otherwise known as Q factors, have been steadily increasing in influence on the reserves held for pooled loans since the end of the recession, and their role in estimating the allowance may change yet again under the current expected credit loss model, or CECL. During a recent webinar (960 words, Nov 28, 2018)
- [Win Back Deposits with Strategic Branding - Abrigo](/content/blog/win-back-deposits-with-strategic-branding/index.html): For community banks that are competing with online-only banks, large financial institutions and competition right down the road, factors affecting overall loan portfolio growth such as localized rate competition and balancing portfolio risk across loan concentrations are significant. However, as the Federal Reserve has raised interest rates, consumer pressure to (1,288 words, Nov 20, 2018)
- [Small Businesses Want Advice; Is Your Bank Offering it? - Abrigo](/content/blog/small-businesses-want-advice-is-your-bank-offering-it.html): Community bankers establish close relationships with many of their borrowers and in fact, it is these relationships that many community banks tout as one way they are superior to their larger rivals. When it comes to small business customers, however, community banks have untapped opportunities to deepen relationships beyond the (896 words, Nov 13, 2018)
- [How Community Banks Can Win the Battle for Deposits - Abrigo](/content/blog/how-community-banks-can-win-the-battle-for-deposits.html): Across the country, community banks are facing an increasingly relevant problem: Large banks are winning the battle for deposits. From 2013 to 2017, total deposits fell at banks with $1 billion or less in assets by 7.5 percent as total deposits at banks with $1 billion more in assets increased (1,035 words, Nov 6, 2018)
- [Sageworks Wraps up Successful 2018 User Groups Sessions - Abrigo](/content/blog/sageworks-wraps-up-successful-2018-user-groups-sessions.html): Interactive industry discussions, networking among peers and best practices for maximizing value from Sageworks solutions were some of the benefits to attendees of the Sageworks User Groups in 2018. Sageworks hosted seven User Groups throughout the year and will soon be unveiling the locations and dates for five 2019 User (566 words, Nov 6, 2018)
- [Risk Rating Scorecards: 4 Key Considerations for Credit Unions - Abrigo](/content/blog/risk-rating-scorecards-4-key-considerations-for-credit-unions.html): Some commercial lending organizations leverage a scorecard risk rating system that assigns values to different inputs and then weighs those factors to calculate a risk rating score. The NCUA does not require credit unions to use a scorecard; however, they recognize the value that they may provide to credit unions. (727 words, Nov 22, 2017)
- [Credit Unions: Determine Risk Ratings Scale Based on Portfolio Complexity - Abrigo](/content/blog/credit-unions-determine-risk-ratings-scale-based-on-portfolio-complexity.html): When a credit union establishes its risk rating system it has to decide whether it will require analysts to separately rate the borrower (capacity) and the loan (facility) or to assign one rating that considers both factors together. Said another way, it has to decide between a dual or single (507 words, Nov 15, 2017)
- [CECL - Manage the Change - Abrigo](/content/blog/cecl-manage-the-change/index.html): The changes inherent in the shift from FASB’s incurred model to the current expected credit loss model (CECL) present many challenges for financial institutions and accounting professionals alike. However, the transition from an incurred model to estimating expected credit losses is not meant to be a cumbersome process, let alone (462 words, Aug 30, 2017)
- [CECL Model: Build or Buy? - Abrigo](/content/blog/cecl-model-build-or-buy/index.html): Compared to existing ALLL requirements, Accounting Standards Update 2016-13 (CECL) will require more inputs, assumptions, analysis and documentation, making the option to automate the process significantly more attractive for many institutions. Regardless of an institution’s approach, key consideration areas for a CECL-ready model include data management, contractual life, segmentation, methodologies, (563 words, Aug 21, 2017)
- [A Year Since CECL: Capital Expected to Be Most Impacted - Abrigo](/content/blog/a-year-since-cecl-capital-expected-to-be-most-impacted.html): In the 13 months since the Financial Accounting Standards Board (FASB) finalized its new standard on accounting for credit losses, ASU 326, financial institutions have been preparing to implement what has been labeled by some industry figures as the biggest change ever to bank accounting. Although institutions will not be (595 words, Aug 2, 2017)
- [Best practices for stress testing the commercial real estate portfolio - Abrigo](/content/blog/best-practices-for-stress-testing-the-commercial-real-estate-portfolio.html): Stress testing programs should consider their tests in a one-year time horizon measured in both a mild and severe scenario. Mild scenarios should test items to where they honestly think they will be in one year. Severe scenarios should try and replicate conditions that represent the worst possible outcome for (605 words, May 11, 2017)
- [CECL Q&A - Contractual Life - Abrigo](/content/blog/cecl-qa-contractual-life/index.html): The FASB’s Current Expected Credit Loss (CECL) model presents unique challenges for banking professionals. To help institutions prepare, Abrigo launched a CECL webinar series covering data, segmentation, methodology, and forecasting requirements broken down by loan pool-type. A key component of the series is allowing participants to ask their CECL-related questions, (577 words, Mar 15, 2017)
- [Building Your Growth Plan: Key Metrics to Consider - Credit Analysis - Abrigo](/content/blog/building-your-growth-plan-key-metrics-to-consider-credit-analysis.html): As discussed in a previous post, many banks and credit unions are turning to loan portfolio growth as the way forward. These growth plans typically focus on finding new ways to attract more qualified applications. While increasing the volume of qualified loan applications is an important component of any growth (728 words, Oct 11, 2016)
- [Building Your Growth Plan: Key Metrics to Consider - Marketing - Abrigo](/content/blog/building-your-growth-plan-key-metrics-to-consider-marketing.html): As the leadership teams at many banks and credit unions perfect plans to grow their loan portfolios, management can depend on several key metrics to measure the effectiveness of their plans and execution. As discussed in a previous blog post, Part 1, one such metric is the loan application conversion (739 words, Oct 4, 2016)
- [ABA's Cost-Benefit Appeal for CECL: Well Conceived, Tangible Solutions Follow Up - Abrigo](/content/blog/abas-cost-benefit-appeal-for-cecl-well-conceived-tangible-solutions-2.html): **Please check our most recent blog post regarding the latest changes to the FASB deadlines.**   A follow-up to the April 20, 2016 ABA Letter Among the many enhancements and functionalities to address CECL that we have been developing for our core product, the Loan Loss Analyzer platform, one took center stage (676 words, Apr 25, 2016)
- [Takeaways from the TRG's First Meeting - Abrigo](/content/blog/takeaways-from-the-trgs-first-meeting-2/index.html): **Please check our most recent blog post regarding the latest changes to the FASB deadlines.**   Last week FASB’s new Transition Resource Group (TRG) met for the first time. The group’s assignment is to address ongoing issues that arise around the soon-to-be allowance standard, Current Expected Credit Loss (CECL). The initial (538 words, Apr 8, 2016)
- [ABA's Cost-Benefit Appeal for CECL: Well Conceived, Tangible Solutions - Abrigo](/content/blog/abas-cost-benefit-appeal-for-cecl-well-conceived-tangible-solutions.html): A follow-up to the April 20, 2016 ABA Letter Among the many enhancements and functionalities to address CECL that we have been developing for our core product, the MST Loan Loss Analyzer platform, one took center stage on April 20 as the industry considered the latest American Bankers Association appeal regarding the (733 words, Apr 5, 2016)
- [CECL Guidance Released by June 30 - Abrigo](/content/blog/cecl-guidance-released-by-june-30-2/index.html): Financial institutions can choose from a variety of methodologies to comply with the Current Expected Credit Loss (CECL), according to the Transition Resource Group for Credit Losses (TRG). The TRG, comprised of industry and allowance experts and under the banner and direction of FASB, and established to help financial institutions (899 words, Apr 4, 2016)
- [CECL Preparation: Do This, Not That - Abrigo](/content/blog/cecl-preparation-do-this-not-that/index.html): **The FASB issued the final CECL standard on June 16, 2016. For up-to-date information and resources, access the updated CECL Prep Kit. Understandably, financial institutions of all sizes have numerous questions about how they will implement the FASB’s proposed current expected credit loss model, or CECL, once the standard is finalized. (883 words, Sep 28, 2015)
- [CECL is a Hot Topic at Risk Management Summit - Abrigo](/content/blog/cecl-is-a-hot-topic-at-sageworks-risk-management-summit.html): **The FASB issued the final CECL standard on June 16, 2016. For up-to-date information and resources, access the updated CECL Prep Kit. The Financial Accounting Standard Board’s proposed move to the current expected credit loss, or CECL, is top of mind for many of the bankers and industry experts attending the (606 words, Sep 24, 2015)
- [Key components of credit risk rating systems - Abrigo](/content/blog/key-components-of-credit-risk-rating-systems/index.html): A credit risk rating system provides banks and credit unions the opportunity to grade transactions in their commercial loan portfolio by level of risk. (771 words, Feb 9, 2015)

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