On October 25th, Deputy Comptroller for Credit and Market Risk Darrin Benhart discussed the OCC's perspective on risk management and the role stress testing plays in that management. The real value in stress testing is looking at the trends in outcomes to understand how risk is changing and then taking action based on that quantification of risk. Stress testing processes should allow bank management to better support their risk appetite and tolerances, set concentration limits, adjust strategies, and appropriately plan for and maintain adequate capital levels. Benhart also addressed how the OCC identifies emerging risk, noting the emerging risks the agency has identified. Benhart Remarks.