Compliance

Young & Associates, Inc. offers a wide variety of consulting services that will strengthen your bank’s ability to satisfy today’s complex compliance requirements. Designed by bankers for bankers, our compliance services have proven to be effective for banks of all types and sizes. We design our comprehensive compliance systems to manage the entire compliance function based on the needs of each individual bank. Our systems are cost-effective, in that we balance regulatory standards and regulatory expectations with the practical capacities of the bank, and include compliance policies, training and testing, and review.

For more information on our Regulatory Compliance Services, give us a call at 1.800.525.9775 or click here to send an E-mail.
Compliance Management Assessment
The compliance management assessment is designed to give management an overview of the state of your bank’s compliance management program. The assessment provides bank management with an independent evaluation of compliance processes and evaluates the overall effectiveness of the bank’s compliance systems. This service addresses all key areas of compliance oversight, including management and board supervision of compliance, compliance policies, daily administration of compliance, and internal compliance controls.
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Compliance Review
The Compliance Review is an in-depth analysis of your bank’s overall compliance program. It incorporates all of the features of the Compliance Management Assessment and then, through an analysis of loan files, deposit files, etc., determines the effectiveness of the bank’s compliance program. Once the analysis is complete, a compliance review will pinpoint the causes of compliance problems and provide specific recommendations designed to improve your bank’s compliance structure and systems to minimize errors and remedy deficiencies.
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Compliance Outsourcing
Compliance outsourcing is a cost-effective method used to obtain the services of highly trained consultants on an ongoing basis. This program is customized to meet the needs of the bank and may include on-site and ongoing consulting on any basis that is necessary. Contracts for this service are negotiated based on the reviews of regulations and systems that the bank wishes to include, bank size and complexity, and the internal compliance skills of the bank. This service can consist of anything from annual reviews of specific regulations to ongoing monthly, quarterly, or semiannual visits. Call us to investigate this method of hiring top compliance expertise at a cost-effective price.
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Compliance Risk Assessment Facilitation
The Compliance Risk Assessment Facilitation service provides your bank’s compliance officer and management team with direct assistance from one of our highly-trained consultants in completion of your Compliance Risk Assessment. Using our Compliance Management Risk Assessment Workbook, our consultant will facilitate your consideration of your bank’s compliance management program and of the effectiveness of the bank’s compliance efforts both overall and on an individual, regulation-level basis. Facilitation will include guidance on the purpose of the risk assessment and who should be involved in the completion of the risk assessment, clarification of key aspects of each regulation, and documentation to demonstrate the consideration of required elements as the assessment is completed. The completed risk assessment will support scheduling compliance monitoring or reviews, independent compliance audits, and compliance-related training on a risk-focused basis.
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Compliance Training

In-bank compliance training is offered on a wide variety of compliance and compliance-related topics. These topics include several that are required annually, including the Bank Secrecy Act, Privacy, and Fair Lending. Each presentation is customized for the needs of your bank and can be presented in multiple sessions, if necessary. A complete plain-English training manual is provided, including relevant examples and forms.

For more information on our Regulatory Compliance Services, give us a call at 1.800.525.9775 or click here to send an E-mail.