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Compliance Management Resources

The crucial. The diligent. The compliance officers. You're more important to your financial institution than ever before!

Compliance officers, we're playing your song.

Compliance officers are the unsung heroes of the banking industry. Guardians of regulations and reputations, you toil away under thousands of pages of rules and regulations. When you do poke your head out, it’s often to deliver bad news, like warnings about a regulatory misstep or potential problems with a new initiative.

We get it. And we know that your role is more important than ever.  Read why (and feel free to forward to colleagues who may not appreciate all your hard work!)


Compliance has three lines of defense.

Effective compliance management must address the three lines. If one of these components isn’t working properly, it can present risks that reverberate throughout the entire organization.

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First line of defense: Employees

This includes everyone from the CFO to the product developer to the local bank teller. Employees must have a solid understanding of their roles and responsibilities, as well as the ability to respond to risks they encounter in their daily interactions at work.

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Second line of defense: Compliance-and-risk-related functions (that's you!)

Compliance officers provide guidance and oversight in the form of policies and procedures, then proactively monitor to ensure the first line of defense is complying with rules and regulations.

In many cases, compliance is the link between the first and third lines of defense.


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Third line of defense: Auditors

External and internal auditors independently evaluate compliance risks and controls, reporting to the Board and Senior Management.

Policies are powerful!

If you want good governance, policies and procedures need to be center stage. You need to craft focused, precise policies with authority, alignment, and accountability built in.


Read about the
10 must-haves
for powerful policies

Good policies can establish essential risk management principles, enabling you to build a culture of compliance at your organization. Are you clear on the difference between policies and procedures? Looking to learn how to craft and manage policy effectively? 

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Your financial institution has countless policies and procedures, but are they doing what you need to them to do?


Policies as a power tool: Creating policies that get the job done


Building a culture of compliance

When your company has a culture of compliance, everything works together. It’s like a symphony with no wrong notes. You’re able to do your job alongside the team, raising key questions early on. You can take an active role in monitoring and managing compliance risk.  Your expertise helps avoid costly errors that drain your financial institution’s time, resources, and reputation

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How can you improve your
existing CMS, today?
Take these steps
4 Ways To Streamline Your CMS

How do you build a culture of compliance at your organization?

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If compliance efforts fall flat

Compliance management is complex, and errors are costly.  Make sure you’re taking the steps to avoid common mistakes — and learn from companies that missed the mark.

What Went Wrong?
CFPB Fines Bank $200,000 for HMDA Errors


Citibank’s $400 Million ERM & Compliance Fine:
6 Lessons Learned


Losing Control:
$28.5 Million in Fines and Redress for Navy




If you think compliance is expensive, you should see noncompliance

Non-compliance (including penalties, business disruption, and other impacts) costs 2.71x what it costs to meet or maintain compliance requirements.

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We're playing your song

What’s the key to streamlined, successful compliance management? A compliance management system that breaks down the silos,  easy to use, and customized to your organization’s needs. Through your CMS, your organization can ascertain compliance responsibilities, incorporate them into business policies, ensure employees understand them and carry them out, and take corrective action as needed. Here’s where we can help.



Before you decide, learn how our software and services work together for integrated, comprehensive risk and compliance management that allows you do more with less.

Check out our compliance management solution buyer's guide!