Joe is a Managing Director at Darling Consulting Group (DCG), working with financial institution executives to improve the effectiveness of their asset liability management (ALM) process. He provides tailored solutions for managing interest rate risk, liquidity risk and capital. Joe is also an expert in the overall balance-sheet-management process, including risk-model design and implementation, regulatory compliance and executive-level education. Joe has been with DCG since 2005 and graduated from the University of New Hampshire with a degree in finance.