risk-based pragmatic approach to compliance management is
applied to all lending and deposit areas, other products or
issues, and across departmental lines – assisting institutions
comply with a myriad of laws and regulation under Regulations A
to Z, AA, BB, CC, DD. A thorough review of your institutions
compliance management systems. Assessing its quality and
effectiveness and providing management with sound
recommendations for improved operational efficiency. Once we
have an understanding of your organizational structure, a
stratified transactional sampling and testing technique is
applied to all operational, lending, and deposit areas in
accordance with the following:
compliance policy and procedure
A review of
consumer complaints and respective response.
calculations for various product offerings.
marketing literature, and advertising (triggering terms).
Consumer and small
business CRA performance and fair lending review..
HMDA-LARs / CALL/TFR
Content of website
/ application processing
consumer financial information.
Fair and Accurate
Credit Transaction Act of 2003 – identity theft prevention
program – Supplement A to the guidelines and 26 “red-flags”
and Regulation M
Collection Practices Act
USA Patriot Act
audit completion and exit interview is held with appropriate and
designated management personnel to review our findings and make
recommendations for improvement. A comprehensive report is
prepared, forwarded and disseminated to senior management and
the board of directors.
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