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,...
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,...
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...
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...
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...
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...
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...
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,...
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...
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...
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...