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Video

Women in Leadership, Sabra Baum

The next video in our Women in Leadership series highlights Sabra Baum, EVP, General Counsel, and Corporate Secretary at R&T Deposit Solutions. Her advice is simple yet powerful, “Make yourself […]

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Insights

Unlocking Liquidity: Transitioning from Collateral to Reciprocal Deposits

How Smaller Banks Can Capitalize on a Big Opportunity

In today’s volatile environment, liquidity, capital efficiency, and customer retention are more important than ever. For banks, particularly community and regional institutions, reciprocal deposits represent a powerful tool to enhance […]

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Insights

Maximizing Balance Sheet Efficiency with the Demand Deposit Marketplace® (DDM®) Program

Managing balance sheet efficiency while delivering exceptional value to customers is a constant challenge for financial institutions. The Demand Deposit Marketplace® (DDM®) program offers a strategic and scalable approach to […]

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Use Case

Bank Increases Relationship Balances and Improves Customer Rate with R&T

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Video

Women in Leadership, Kimberley Liao

The next segment in our Women in Leadership video series features Kimberley Liao, Executive Vice President, Head of Regulatory Relations & Affairs at R&T Deposit Solutions. Kimberley shares how resilience, […]

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Insights

What Is the Basel III Endgame? What to Know

What the Final Basel III Rules Could Mean for Growth, Risk, and Liquidity

Banks across the United States are already facing a more stringent regulatory environment. For many, the pressure to maintain strong capital positions has intensified in recent years, driven by shifts […]

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Insights

What Are Cash Sweep Programs? Benefits for Financial Institutions and Their Customers

Businesses and individuals continuously seek ways to optimize the utility of cash reserves. Cash sweep programs offer both financial institutions and their customers a strategic solution by automatically transferring excess […]

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Video

Women in Leadership, Mieko Shibata

We’re proud to share the third installment of R&T’s Women in Leadership video series—spotlighting the remarkable women shaping our future. In this feature, Mieko Shibata, EVP and Chief Information Officer, […]

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Fact Sheet

Transitioning from Collateral to Reciprocal Deposits

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R&T Deposit Networks, LLC, R&T Deposit Marketplace, LLC, R&T Deposit Solutions, LLC and R&T Deposit Programs, LLC (each d/b/a R&T Deposit Solutions), each a Delaware limited liability company, (together, “R&T”) provide administrative, recordkeeping, and/or other services to banks, credit unions, trust companies, wealth management firms, broker-dealers and other institutions with respect to deposit placement and sweep programs, including the Demand Deposit Marketplace® (DDM®), Certificate of Deposit Marketplace Exchange℠ (CDMX℠) and R&T Insured Deposits℠ (RTID®) programs, as well as other services. An affiliate of R&T, Stable Custody Group II LLC (“Stable”), acts as agent of participating sending institutions under the DDM and CDMX programs.  R&T and Stable, together, “we”, “us” or “our”.  All of our services are provided subject to the terms and conditions of the written agreements and/or agency appointments between us and our clients with respect to those services, and we provide no representations or warranties, express or implied, except as expressly set forth in those written agreements and/or appointments. Click here for our legal and other disclosures. We are not an FDIC or NCUA-insured institution. FDIC insurance only covers the failure of an FDIC-insured institution. NCUA insurance only covers the failure of an NCUA-insured institution.  Certain conditions must be satisfied for FDIC and NCUA pass-through deposit insurance coverage to apply. Click here for a list of the FDIC and NCUA-insured institutions with which R&T has a direct or indirect business relationship for the placement of deposits under the DDM, CDMX, and RTID programs, and into which a participating institution may place deposits (subject to the terms of those programs and any opt-outs by the participating institution and/or its customers).  While the DDM, CDMX, and RTID programs provide access to an expanded level of FDIC or NCUA deposit insurance coverage on funds placed into the programs (subject to program terms and applicable laws, regulations and guidance, including pass-through insurance coverage requirements), the DDM, CDMX and RTID programs, themselves, as well as our other service offerings, are not insured or guaranteed by the FDIC or NCUA, are not deposits, and may lose value. We are not an affiliate of an FDIC or NCUA-insured institution, we are not an office, division, or sub-division of the FDIC or NCUA, and we are not associated with the FDIC or NCUA or office, division, or sub-division thereof. For more information about us, please visit our website at http://www.rt-deposit-solutions.local. The primary objective of the DDM, CDMX, and RTID programs is to provide customers with convenient access to expanded deposit insurance coverage on their funds (and not for investment enhancements, higher rates of returns or profits). R&T®, Reich & Tang®, Demand Deposit Marketplace®, DDM®, DepositView® and RTID® are registered marks of R&T Deposit Networks, LLC. CDMX℠, R&T Fusion℠ and Fusion by R&T℠ are pending marks of R&T Deposit Networks, LLC. IDEA℠ and Certificate of Deposit Marketplace Exchange℠ are unregistered service marks of R&T Deposit Networks, LLC.

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