Skip to content

Overdraft Program Risk Assessment Worksheet

Overdraft programs were taken for granted for many years. With the increased importance of these programs we had a BOL user, FlamingoGal, provide us with a tool you can use for your risk assessment of your program. This was actually developed by a VP at FlamingoGal's bank and we thank them for sharing.

Overdraft programs are under increased scrutiny with new regulatory requirements. It is important that you have a clear understanding within your bank as to the risks your program can pose. Understanding these risks allows you to mitigate them. This Excel worksheet helps you review your overfraft program for various types of risk including

  • Credit
  • Compliance
  • Reputational
  • Legal
  • Operational
  • Financial
  • Safety & Soundness

There are 18 areas that are examined and rated by you on a scale of 1 to 3.

You can customize the Excel version to meet your individual needs but here is an excellent starting document.

BankersOnline also has a series of other tools that will assist you in risk rating yourBSA program as well as New Accounts.

First published on 05/01/2011

Banker Store View All

From training, policies, forms, and publications, to office products and occasional gifts, it’s available here:

Banker Store

hot right now

image description

Looking for effective, convenient training on a particular subject?

BOL Learning Connect offers more than 200 courses ON-DEMAND or on CD ROM from AML to Reg Z and every topic in between.

Search Tools