Welcome

Directors’ examinations are designed to specifically review your bank’s internal controls, financial statements and operations in compliance with Federal and state guidelines. Our approach with directors’ examinations is to provide assurance to your board of directors that the bank’s controls and operational and accounting procedures are in place and effective. In addition, we approach directors’ exams with an eye on regulatory “hot topics” providing management with insight and proactive guidance for addressing examiner concerns before they arrive.

This independent audit is completed using the current Federal Financial Institution Examination Council (FFIEC) Bank Secrecy Act/Anti-Money Laundering Examination Manual core examination procedures. We prepare comprehensive work papers documenting the steps we completed and our transaction testing. These work papers are left with your bank along with a report detailing our conclusions and recommendations. Examiners often use our work papers and your response to our recommendations as the foundation for their own examinations.

We will work with your staff to develop

effective policies and procedures to help

ensure compliance with these important laws and regulations.

Regulatory compliance is becoming more and more burdensome. Many banks don’t have the time or in-house expertise to keep up in our changing regulatory environment.  We can complete a consumer compliance review for your bank.  We can help you implement an internal compliance management program to help ensure ongoing compliance.  We can supplement your ongoing compliance management function by completing targeted compliance audits using either a regulation by regulation approach or on a functional basis (loans, deposits, other).

Do you need help with problem loan

workouts, loan loss reserve analysis, an

independent loan review, asset-liability 

management, investment strategies, 

new policies and procedures, 

or better board reports? These are

just some of the many ways we have

been helping bankers help themselves.

Do you have a project that really needs to be completed, but no one with the time and/or expertise to complete it? You manage the bank -- we’ll handle the project!

Are you having trouble getting your hands around information technology/security issues? Was your last regulatory IT exam less than satisfactory? Are you having trouble even understanding the questions on an IT exam, let alone providing appropriate answers? We can provide you with a proven system to assist  you in organizing and preparing for your next IT Exam.

Our IT audits incorporate industry best practices  

to evaluate your bank's controls, risk management and internal procedures to help ensure your  

bank has effectively safeguarded your customers' confidential information and prepared for foreseeable contingencies.

More and more we are seeing examiners request that banks have independent loan reviews completed. Give us a call and we’ll work with you to select a sample of loans for an in-depth underwriting and compliance review.