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Regulatory Compliance

Financial regulatory compliance has never been more difficult to achieve. The transition from technically-focused regulations to principles-based enforcement has caused a significant paradigm shift in how regulatory compliance programs are developed. It is easy to find what is wrong. It’s much harder to design effective programs within the current regulatory regime. 

At Treliant we are focused on execution. Our team of seasoned professionals specializes in formulating comprehensive and customized regulatory strategies for financial institutions. We are experts in designing regulatory programs that will work and we can help execute them for measurable results.

Treliant professionals are experienced industry professionals that are results-focused. Our compliance risk management team will build a road map to regulatory excellence and industry best practices. 

Treliant's Regulatory Compliance Advisory Services include:

Compliance Program Development

  • Strategic Advice on Approach, Scope, Management, and Structure
  • Compliance Management System (CMS) Evaluation 
  • Risk Assessments
  • Consumer Compliance Program Build
  • Regulatory Filings and Submissions
  • Compliance Program Efficiency Reviews
  • Program and Product Gap Analyses
  • Change Management Advisory and Implementation Services

Fair Lending and Community Reinvestment Act (CRA)

  • Fair Lending and Community Reinvestment Act (CRA) Program Evaluation, Development, and Enhancement 
  • Developing and Improving Fair Lending and Community Reinvestment Act (CRA) Programs
  • Risk Assessments
  • Statistical Analyses, including Regression Analyses and Model Validation
  • Community Reinvestment Act (CRA) Strategic Plan Assistance
  • Community Reinvestment Act (CRA) and Home Mortgage Disclosure Act (HMDA) Data Integrity Validations ("Scrubs")
  • Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) Submission Assistance
  • Marketing Program Assessments
  • Market Penetration Analyses
  • Redlining and Lending Performance Reviews
  • Matched Pair Testing and Self-Testing
  • Indirect Auto and Proxy Analyses
  • Review of Line of Business Controls [including Fair Lending, Home Mortgage Disclosure Act (HMDA), and Community Reinvestment Act (CRA)]
  • Examination Management

Strengthening the Compliance Program

  • Compliance Program Strategic Planning
  • Compliance Risk Management Program Evaluation and Enhancement
  • Developing and Improving Complaint Management Systems
  • Structure and Staffing Reviews
  • Consumer Financial Protection Bureau (CFPB), Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), and Federal Reserve Board (FRB) Readiness Checks
  • Risk Assessments
  • Risk Metrics Program Development, including Monitoring, Testing, and Reporting
  • Enhancing Risk Controls
  • Efficiency Evaluations
  • Training/Board Training
  • Staff Assessments
  • Truth in Lending Act-Real Estate Settlement Procedures Act (TILA-RESPA) Compliance Implementation, Training, and Executive Briefings

Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) Readiness

  • UDAAP Readiness Checks
  • UDAAP Risk Assessments
  • UDAAP Controls Reviews
  • UDAAP Product Reviews
  • UDAAP Audits
  • UDAAP New Product Due Diligence Reviews
  • UDAAP Monitoring and Audit Reviews
  • UDAAP Metrics and Reporting Development and Implementation
  • UDAAP Training
  • UDAAP Gap Analyses

Compliance Reviews

  • Regulatory Exam Readiness Reviews
  • Product Reviews/Gap Analyses for Indirect Auto, Home Equity Line of Credit (HELOC), Student Loans, Credit Cards, Mortgage Loans, Prepaid Cards, etc.
  • Regulatory Compliance Remediation Projects and Lookbacks for Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), Real Estate Settlement Procedures Act (RESPA), Mortgage Rules, Credit Cards, Flood, Regulation E, Auto Loans, Private Banking, etc.
  • Strategic Advice on Monitoring and Testing
  • Mock Audits and Examinations
  • Quality Control/Quality Assurance Validations

Retail Sales Practices

  • Formal Governance Structure, Policies, Practices, and Processes
  • Risk Management Program that includes First and Second Line Safeguards against UDAAP Risks within Sales and Incentive Programs, including:
    • Monitoring
    • Testing
    • Whistle-Blower Provisions
  • Call Back Process
  • Monitor Complaint Trends
  • Incentive Program
  • Sales Goals

Training

  • Comprehensive Regulatory Compliance Training
  • Board and Executive Leadership Training
  • Training Program Development
  • Regulatory “State of the Industry” Briefings
  • Internal Leadership Roundtables/Symposiums Addressing Key Industry Issues
  • Strategic Compliance Planning with Leadership Teams

Trusted Advisor

  • Strategic and Regulatory Advisory Services

Staff Augmentation/Co-Sourcing

  • Onsite Long-term Staff Secondment

Contacts

B. Scott Fisher B. Scott Fisher
Managing Director
Carl G. Pry Carl G. Pry
Managing Director
Mark Westmoreland Mark Westmoreland
Principal
Kathlyn L. Farrell Kathlyn L. Farrell
Senior Advisory Board Member
Tina M. Shaver Tina M. Shaver
Senior Director

Fair Lending

Treliant has the advisory expertise and technical capacity to assess your compliance and fair lending programs, advise on necessary changes, and assist with implementation.

Learn more about Treliant's Fair Lending Advisory Services.

FinTech

Treliant's experts specialize in assisting FinTech companies tailor regulatory compliance programs to specifically meet their needs.

Learn more about Treliant's FinTech Advisory Services