April 6, 2023
May 5, 1961 – January 7, 2023 With great sadness, we announce that Kyle Curtis, of Chandler, AZ, passed away unexpectedly on January 7, 2023. Born on May 5, 1961,...
HomeAuthorMichael Baldridge, Author at Young & Associates, Inc.
March 28, 2023
By: Brian Kienzle, CISSP, OSCP and Mike Detrow, CISSP As we discuss technical testing techniques with financial institutions, we still see a lot of confusion about the difference between a...
March 28, 2023
By: Edward Pugh, CAMS, CAMS-Audit, AAP, CFE, Consultant For many financial institutions, the concept of a BSA/AML Model Validation is new. In the past, model validations were in the domain...
March 28, 2023
By: Ollie Sutherin, Principal, Y&A Credit Services, LLC It is no secret that community banking is shrinking at an increasing rate across the entire United States. At the close of...
March 28, 2023
The most important investment a financial institution can make is in the training of its employees. Young & Associates is a national leader in continuing education and training programs for...
January 12, 2023
By Bill Elliott, CRCM; Director of Compliance Education On September 23, 2022, the United States District Court for the District of Columbia issued an order vacating (cancelling) the 2020 Home...
December 5, 2022
UncategorizedEnsure You’re Ready for the Upcoming Current Expected Credit Loss (CECL) Implementation Deadline in January 2023
By: Kyle Curtis, Director of Lending Services Note: The Current Expected Credit Loss (CECL) methodology replaces the Allowance for Loan and Lease Losses (ALLL) accounting standard, and all financial institutions,...
December 5, 2022
By: Mike Detrow, CISSP, and Brian Kienzle, CISSP, OSCP Written records are generally more trustworthy than human memory. Examiners and auditors typically take the following stance: if it isn’t formally...
December 5, 2022
By: Donald Stimpert, Consultant and Manager of Secondary Market QC Services As a result of higher mortgage interest rates and inflation continuing to weigh on affordability, Fannie Mae revised downward...
December 5, 2022
By: William J. Showalter, CRCM, CRP, Senior Consultant Now that interest rates are moving up, many bankers are blowing the dust off their adjustable-rate mortgage (ARM) loan offerings. Interest rates...
