Liquidity Risk Looms in 2023

Liquidity and interest rate risk dominated bankers’ minds following a series of rapid interest rate hikes by the Federal Reserve, and deposit pricing has proven to be a particular challenge. In 2023, bank leaders will likely focus much of their time on various strategies aimed at growing low-cost deposits while also increasing lending, says Craig Sanders, a partner with Moss Adams. At the same time, bank executives and directors are also confronting growing concerns around cybersecurity risk and regulatory scrutiny of certain fees, such as overdraft charges.

Topics include:

  • Liquidity Management
  • Cybersecurity Expertise
  • Third-Party Risk Oversight
  • Responding to More Scrutiny on Fees

Bank Director’s 2023 Risk Survey, sponsored by Moss Adams, explores several key risk areas, including interest rate risk, credit risk, cybersecurity and emerging issues. The survey results are further explored in the second quarter issue of Bank Director magazine.


Craig Sanders


Craig Sanders is a partner at Moss Adams LLP. He has provided audit and IT security services since 1999. He works with clients in the financial services industry to implement core business systems, internet banking and cash management platforms, business continuity and disaster recovery planning and programs, GLBA compliance and telecommunications and security systems.