Advisory
Key Compliance Group works with banks, credit unions, and fintechs on the compliance work that can’t wait: building programs, getting ready for exams and sponsor bank reviews, and fixing what an examiner found. Fixed fees wherever the scope allows, and every engagement starts with a free 20-minute call. Prefer to do the work yourself? Start with the program kits.
Run the program
Senior compliance leadership without a full-time hire.
Fractional CCO or BSA Officer
Credentialed compliance leadership part-time, either filling a vacancy or as an ongoing role. Board and committee reporting, regulator and sponsor bank contact, exam management, policy approval, issue management, and training oversight.
Compliance training and coaching
Training and coaching built around the roles, risk areas, and regulatory expectations your team actually has.
Website and marketing review
Review of websites, disclosures, and marketing for UDAAP, privacy, and fair lending issues before anything goes live.
Build it
Programs a sponsor bank or examiner can follow.
Bank-ready program build
The complete program a sponsor bank expects to see before launch or at onboarding: CMS policy and committee charter, BSA/AML/OFAC program and procedures, a consumer compliance policy suite matched to your product, third-party oversight, training, monitoring and testing, and a compliance applicability matrix.
Compliance policy suite
A product-specific set of compliance policies, drafted from our template library and fitted to how your business works.
Operational procedures
Procedures that match regulatory requirements and the way your team operates: CIP, KYC, CDD, and EDD; Reg E and Reg Z error resolution; FCRA disputes; Red Flags; complaints; SCRA.
Test and fix it
Find the gaps before an examiner or partner bank does.
Regulatory compliance risk assessment
A regulatory applicability matrix, inherent risk, controls, and residual risk by product and regulation, a prioritized action plan, and a board-ready summary.
BSA/AML/OFAC risk assessment
Products, customers, geographies, delivery channels, and controls, with a board-ready summary.
Compliance testing and validation
A risk-based annual testing plan, sample-based testing with standard workpapers, findings with severity ratings, and a report for your committee or sponsor bank.
CMS gap assessment
A gap analysis across oversight, policies and procedures, risk assessment, training, monitoring and testing, complaints, third-party oversight, and issue management, with a prioritized roadmap.
Sponsor bank transition review
For fintechs moving to a new bank: a framework summary, three lines of defense model, gap list, roadmap, and a communication package for the new bank.
Exam and audit readiness
A readiness review against the expected scope, document request preparation, mock interviews, response drafting, and remediation tracking.
MRA and consent order remediation
Root cause analysis, corrective action plans, and responses to MRAs, consent orders, or partner bank findings.
Ready to build your program?
Start with a program kit, or ask about hands-on help if you need it done with you.