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Meeting Room

Bank Regulatory Compliance Consulting

We offer a wide range of regulatory compliance related services to financial institutions.  We will not only identify your needs, but work with you, providing recommendations to find the solutions. We provide the support you need to develop and enhance your overall compliance program and all of it’s individual components.

We want to assist you in building and enhancing your regulatory compliance program. 

Services

  • Compliance Consultation
    Tailored compliance consultation and special project reviews at an hourly rate. Includes services such as: outsourcing compliance management, assistance with compliance management, and Bank Secrecy Act/Anti-Money Laundering/Countering the Financing of Terrorism (BSA/AML/CFT) initiatives.
  • Regulatory Compliance Reviews
    Includes lending, deposit, and other specialized areas of compliance. To learn more about compliance review scope options offered, please read, download, or print our Compliance Review.
  • Bank Secrecy Act Independent Audit
    Independent audit completed according to the procedures outlined in the Federal Financial Institutions Examination Council (FFIEC) BSA/AML/CFT Examination Manual, including transaction testing. To learn more about the BSA Audit scope, please read, download, or print our BSA Audit Services.
  • BSA Officer Training
    One on One Training for your new or recently appointed BSA Officer. We will evaluate your current knowledge and skill set and provide customized training preparing you to oversee your bank’s BSA/AML/CFT program.
  • BSA/AML/CFT Software Validation
    Independent assessment of the BSA automated monitoring software to determine efficacy and efficiency in detecting potentially suspicious activity. To learn more about automated system validation, please read, download, or print our BSA Validation Services.
  • Fair Lending Program Risk Assessment
    Perform a Fair lending risk assessment to identify and measure the risks inherent in the lending process and whether adequate controls and monitoring exist to prevent illegal discrimination.
  • Flood Loan Audit
    Detailed testing of files with a Standard Flood Hazard Determination (SFHD) to be in a special flood hazard area. Application of Interagency Flood FAQs to ensure compliance with flood regulations.
  • Compliance Management System Assessment
    Evaluation of the overall financial institution compliance management system to determine required elements are adequately addressed within the program.
  • HMDA LAR Data Integrity Reviews
    A sample of applications from the HMDA LAR are tested to determine accuracy of reporting in accordance with the procedures outlined in the Federal Financial Institutions Examination Council (FFIEC) HMDA Examiner Transaction Testing Guidelines.
  • Compliance Risk Assessment
    Assistance in the development and implementation of a detailed regulatory compliance risk assessment and corresponding monitoring/testing schedule.
  • Regulatory Compliance Training
    Customized training of various regulatory compliance topics for bank personnel or the Board of Directors.
  • Fintech Compliance Consultation
    Regulatory compliance expertise to help ensure compliance requirements are met while implementing innovative solutions.
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Lindsey Stern, CRCM

Consultant/Founder

Lindsey (Ward) Stern has over fifteen years of banking and compliance experience spanning four different states which included small community banks to multi-billion-dollar banks and clients. Her banking experience began in Oregon as a high school student with a Teller internship. She spent many years as a Commercial and Ag Loan Processor, then became a community bank Training Manager, BSA Officer and Compliance Officer before transitioning to Regulatory Compliance Consulting.

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AboutMore

More About Lindsey

Lindsey has a passion for rural life and community banks being raised on a cattle ranch in Northeastern Oregon the first 19 years of her life until she went off to college. She witnessed the construction boom followed by the devastation of the housing market crash of 2008 while still residing in her college alma mater of Bozeman, Montana. Then life took her to Cheyenne, Wyoming where in addition to her banking experience she added two years of real estate title searching while employed by a title services company. She has resided the past 13 years in rural Central Nebraska which she now considers home.

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She has a Bachelor’s Degree in Business Finance and a Bachelor’s Degree in Economics from Montana State University; Certified Regulatory Compliance Manager (CRCM) from the American Banker’s Association; Fair Lending Expert (FLE) from Tuscan Club University; completed the Nebraska Banker’s Association Schools of Banking – Compliance; successfully completed the National Flood Insurance Program – Key Fundamentals of Flood Insurance for Agents 2.0; along with countless hours of compliance continuing education.

 

Lindsey has a passion for combating Elder Financial Abuse and Human Trafficking through extensive Bank Secrecy Act (BSA) work, helping banks protect their customers from becoming victims. She thrives on assisting banks to bridge the gap between service and compliance.

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When not consulting, Lindsey spends time in Central Nebraska with her boyfriend and three border collie dogs, at her niece and nephew’s various activities, working team ropings, traveling, playing pickleball, reading, riding horses, attending church, training with her life coach, and encouraging others through empowerment and financial education.

Benefits of Working with Lindsey:

  • I’m not just looking for clients, but to build a relationship upon a platform of sustainable mutual success.

  • I have a hometown rural community upbringing with nationwide experience.

  • My clients are located in multiple different states. I utilize technology and personal connections to build long term relationships. I strive to have your review and consulting services to be more than just transactional.

  • As a woman owned company and independent consultant I understand the bottom line. As a small business owner I personally manage the overhead allowing me to provide you extraordinary service at a reasonable price.

  • I actively engage in compliance peer groups, networks, and compliance industry news source ensuring I can provide you the latest in compliance and regulatory industry standards.

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Compliance Resources

  1. FDIC: https://www.fdic.gov/
     

  2. FDIC Financial Institution Letters: https://www.fdic.gov/news/financial-institution-letters
     

  3. Federal Reserve Board (Fed): http://www.federalreserve.gov/
     

  4. Consumer Financial Protection Bureau (CFPB): https://www.consumerfinance.gov/
     

  5. Financial Crimes Enforcement Network (FinCEN): https://www.fincen.gov/
     

  6. FinCEN Alerts/Advisories/Notices/Bulletins/Fact Sheets: https://www.fincen.gov/resources/advisoriesbulletinsfact-sheets#fincen_notices
     

  7. Federal Financial Institutions Examination Council (FFIEC): https://www.ffiec.gov/
     

  8. Office of Foreign Assets Control (OFAC): https://home.treasury.gov/policy-issues/office-of-foreign-assets-control-sanctions-programs-and-information
     

  9. American Bankers Association (ABA): https://www.aba.com/
     

  10. Bankers Online (BOL): https://www.bankersonline.com/
     

  11. Military Lending Act (MLA) Website: https://mla.dmdc.osd.mil/mla/#/home
     

  12. Nationwide Mortgage Licensing System (NMLS): https://www.nmlsconsumeraccess.org/Home.aspx/MainSearch
     

  13. FFIEC APR Tool: https://www.ffiec.gov/examtools/FFIEC-Calculators/APR/#/accountdata
     

  14. FFIEC Geocoding/Mapping System: https://geomap.ffiec.gov/FFIECGeocMap/GeocodeMap1.aspx
     

  15. OFAC Search Tools: https://home.treasury.gov/policy-issues/office-of-foreign-assets-control-sanctions-programs-and-information
    *Clicking a link will navigate you away from this site.

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