CONSULTING SERVICES THAT ASSIST IN MANAGING COMPLIANCE RISK

Depending on whether you need assistance in assessing your institution's compliance risk at the second or third line of defense, we can help you customize an engagement that meets your specific objectives.  These engagements are generally performed using a variety of techniques, including interviewing key personnel, testing transactions and reviewing policies (and procedures) to determine compliance with Federal Regulations, such as the following:

• Electronic Fund Transfers Act (Regulation E)
• Equal Credit Opportunity Act (Regulation B)
• Expedited Funds Availability Act (Regulation CC)
• Fair Credit Reporting Act (Regulation V)
• Home Mortgage Disclosure Act (Regulation C)
• Loans in Areas Having Special Flood Hazards
• Loans to Executive Officers, Directors and Principal Shareholders (Regulation O)
• Military Lending Act
• Privacy of Consumer Financial Information Act (Regulation P)
• Real Estate Settlement Procedures Act (Regulation X)
• Secure and Fair Enforcement for Mortgage Licensing Act (Regulation G)
• Servicemembers Civil Relief Act
• Truth in Lending Act (Regulation Z)
• Truth in Savings Act (Regulation DD)

This will satisfy your institution's responsibility of having independent testing of your BSA/AML compliance program.  This testing will be performed considering your institution's risk profile, using the FFIEC's BSA Examination Manual as a guide, to determine the overall adequacy of your BSA/AML Program.

If your institution is in transition, has a newer Compliance Officer or a Compliance Officer that wears too many hats, then this might be the option that best fits your needs.  This is a customizable service that can cover any of the other service offerings as well as, but not limited to, the following:

• Compliance Program Maintenance
• Assisting Compliance Officer with their duties
• Compliance Officer Development
• Staff Augmentation

To further improve the foundation on which your Compliance Management System is built and to assist in understanding your institution's compliance risk and potential gaps in your policies and procedures, we offer the following services:

• Home Mortgage Disclosure Act Data Integrity Scrubs
• Compliance Management System Assessment
• Fair Lending Program Overview
• Website Reviews
• Unfair, Deceptive or Abuse Actors or Practices Assessment