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Peer Group Benchmarking Programs

The Peer Group Benchmarking Programs are for members only and will help benchmark operational efficiencies.

All individual bank data remains confidential, and ABA will not have secondary use of this information. Each peer group includes a quarterly conference call to discuss the results and share successful strategies.

The groups are designed to serve large, regional banks needs with assets of $10 billion or more. ABA plans to develop programs for banks which have assets of $1 to $10 billion.

Interested in learning more about these programs? Email [email protected]. Please note that there are specific reporting requirements and possible fees for participating in these programs.

Fraud Working Groups

Risk Measurement

Access the Participation Guide and Fraud Classifications for the Fraud Working Groups.
  • Check Fraud and ACH Loss Reporting Group
    Tracks quarterly check-related losses from forgeries, counterfeits, alterations, kiting, and seven types of return reasons. Also reported are new account losses, losses by check deposit channel and ID theft/compromise. Losses are scaled by the number of transaction accounts.
  • Debit Card Loss Reporting Group
    Tracks offline debit card losses from compromised cards; cards not received; counterfeit cards; lost or stolen cards; account takeover; duplicate transactions; merchant disputes; miss-posted, unposted/non-posted or recurring payment transactions. Losses are scaled by sales volume and the number of cards.
  • Internal Fraud Reporting Group
    Tracks internal fraud dollar exposure and actual dollar loss by type (e.g., embezzlement, misuse of position, mysterious disappearance), per FTE, per case, by perpetrator tenured years, and by mode of discovery.
  • Loss Avoidance Reporting Group
    Tracks loss avoided due to banks' prevention procedures. Loss avoidance is reported by the source of fraud attempts: ATM fraud; debit card fraud; Reg. E claims; check fraud back office, check fraud claims, deposit fraud, new account fraud, pre-charge-off collection, and organized customer scams. The loss avoidance amount is scaled by the number of transaction accounts.
  • New Account Fraud Reporting Group
    Tracks losses associated with accounts that have been open for less than 180 days.
  • Online Banking Fraud Reporting Group
    Tracks online banking fraud losses and loss avoidance, including Billpay, ACH, and Wire transactions.

Information Sharing

Records Management

This peer-based group brings together bankers with an interest to discuss and better understand the issues and trends pertaining to the increasingly complex world of records management. Topics discussed include:

  • How to define, retain, and store both print and electronic records
  • How to create an effective classification system while dealing with new regulatory and technical challenges

The Records Management Working Group covers the many areas impacting the managing of records at banks through various activities including:

  • Monthly conference calls
  • Annual face-to-face meetings
  • Group surveys

Operational Risk

Operational Risk Data Sharing Consortium

Formed in January 2003, the Consortium facilitates a confidential exchange of operational loss data among peer banks. The purposes of sharing operational loss data are to assist in benchmarking by business line and loss event type among peer institutions, and to assist in complying with the regulatory requirement of gathering external loss event data as part of the operational risk management framework. Learn more about the Operational Risk Data Sharing Consortium.

Analytics Working Group

Formed in October 2009, this working group identifies methodologies best suited to analyze the Consortium data. The group discusses and develops hypotheses to be tested, and uses advanced statistical methods for cross-firm comparison. Learn more about the Analytics Working Group.

Risk Metrics/Key Risk Indicator (KRI) Working Group

Formed in February 2004, this working group analyzes and identifies effective risk metrics and KRIs at the enterprise level. Topics covered include governance for the KRI program, leading KRIs for material risks, etc. Learn more about the Risk Metrics/Key Risk Indicator Working Group.

Scenario Analysis Working Group

This working group provides a forum for peer banks to share ideas and insights into developing forward looking scenarios for banks’ material risks. Scenario analysis results are used by banks in risk management and stress testing. Learn more about the Scenario Analysis Working Group.