RegulatoryCompliance
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Our lending compliance testing is comprehensive in nature and includes the CFPB, FDIC, OCC or NCUA examination requirements. Our review utilizes the Financial Institution’s Enterprise Risk Assessment to determine the individual review scope and tailor the review based on the current environment. In addition, we can perform a full review or specific targeted areas.
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Our testing program is comprehensive in nature and includes a review of the Policies, Procedures, Disclosures, Statements, Customer Notifications, monitoring as well as targeted testing of transactions in each applicable section of the specific regulations.
Risk Assesment
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Specific Risk Assessment
- ACH
- BSA
- Compliance
- Fair Lending
- Department Specific -Call Center, social media, etc.​​​​
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Risk Control Self-Assessment (RCSA)-Assist the departments with the development and documentation for the initial RCSA or updates.
Internal Audits
Internal audit outsourcing is a cost-effective method for Community Banks, Mortgage Companies, and Credit Unions to obtain the services of experienced and qualified consultants on an ongoing basis. Our comprehensive internal audit program is customized to meet the needs of the bank and includes an assessment of the effectiveness of your bank's system of internal controls in operational areas having the greatest potential risk to the bank.
Mortgage
Perform annual QC audits for mortgage originations and servicing to meet requirements for the following Government Sponsored Enterprises and Agencies:
- Fannie Mae QC
- Freddie Mac QC
- FHA QC
Conduct periodic (monthly, quarterly) servicing reviews to ensure
adherence to all Government Sponsored Enterprises and Agencies:
Fannie Mae, Freddie Mac, FHA, VA and USDA.
Monthly Post Close QC Reviews on mortgage originations to meet the
GSE and Agency guidelines and timelines.
Consulting
Various consulting projects such as:
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Policies & Procedures
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SOX - FDICIA
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Assist with internal teams on projects
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Perform reviews of specified areas for look-backs
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Review of Rewards and Bonus payments to customers to ensure adherence to advertised information.
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Training Programs