Dale Neiss is a consultant with Young & Associates. With more than 30 years of banking experience in Denver, Colo., Dale has developed and implemented compliance management systems, loan review and community reinvestment act (CRA) programs, and enterprise risk management (ERM) framework for multiple banks. He has held the titles of Compliance and Loan Review Manager, BSA and CRA Officer, and Enterprise Risk Management Director.

Prior to his Denver banking experience, Dale began his banking career with the Office of the Comptroller of the Currency in Indianapolis, Ind., as an associate national bank examiner. At Young & Associates., he provides consulting and training, as well as writes articles and compliance manuals.

He holds the designation of Certified Regulatory Compliance Manager (CRCM) by the Institute of Certified Bankers in Washington, D.C. Dale earned a Bachelor of Business Administration degree in Finance and Management from Kent State University.

Bill Elliott has more than 40 years of banking experience. As a senior consultant and Director of  Compliance Education at Young & Associates, Bill works on a variety of compliance-related issues, including leading compliance seminars, conducting compliance reviews for all areas of compliance, conducting in-house training, and writing compliance articles and training materials.

During his career, Bill spent 15 years as a compliance officer and CRA officer in a large community bank, and also worked for a large regional bank. He has been a lender for consumer, commercial, and mortgage loans, and has managed a variety of bank departments, including loan review, consumer/commercial loan processing, mortgage loan processing, loan administration, credit administration, collections, and commercial loan workout.

Veronica Madsen is a seasoned Compliance Consultant and a key member of the Compliance Education team at Young & Associates. With a robust background as a legal professional and extensive experience in the banking industry, Veronica has dedicated decades to assisting financial institutions with regulatory compliance issues and developing effective compliance management systems. 

Veronica’s distinguished career in compliance began at the Michigan Credit Union League trade association, where she worked in the Regulatory Compliance Department. She further honed her skills as a Regulatory Attorney for credit unions and later as the Chief Compliance Officer at a fintech company and a small bank. 

Leveraging her extensive expertise, Veronica founded ESTEE Compliance, a consulting company dedicated to providing comprehensive compliance services to credit unions. At ESTEE, she audited credit unions, trained staff on regulatory compliance matters, and educated state and federal examiners on conducting regulatory compliance examinations. 

Veronica also worked at a Fintech where she created and managed a Compliance Management System and managed the Bank Secrecy Act training program at a very large bank. 

Veronica holds a Bachelor of Science in English and Communication from Central Michigan University and a Juris Doctorate from the University of Detroit Mercy School of Law. Her extensive knowledge, coupled with her hands-on experience, makes her a valuable asset to Young & Associates, where she continues to provide expert guidance and education in regulatory compliance.