Announcements

CrossCheck Compliance LLC Announces New Partners

CrossCheck Compliance LLC is pleased to announce that Liza Warner and Todd Krell have been promoted to partners in the firm.


Past Speaking Engagements

Utah Bankers Association Compliance Conference

  The Utah Bankers Association hosted its Fall Compliance Conference – Unmasked from October 19-21 in Park City, Utah. This was a hybrid event. Participants chose whether to attend either in person or via Zoom. On Tuesday October 19th, Tracey Levandoski presented one session on UDAAP and one on Fair Lending for Commercial Loans. The… Read more »


Announcements

Daniel Johnson Joins CrossCheck Compliance as Director

CrossCheck Compliance LLC is pleased to announce that the firm has hired Daniel Johnson as a director in its fair lending and regulatory compliance practice.


Speaker Engagements

Georgia Bankers Association Compliance Conference

October 20 to October 22, the Georgia Bankers Association is hosting its annual Compliance Conference at the King and Prince Beach & Golf Resort in St. Simons, GA. On October 21, Jim Treacy will be presenting Online Account Opening Compliance. Join your peers for this event which covers the full spectrum of compliance topics and… Read more »


Past Speaking Engagements

Best Practices for Monitoring Servicing Performance

On September 29, Bradley Teplin and Liza Warner presented a webinar for the American Bankers Association (ABA) – Best Practices for Monitoring Servicing Performance. This webinar helped participants be better prepared to address common regulatory and investor concerns, improve consumer complaint management, and differentiate between the unique roles of quality assurance and quality control in managing loan… Read more »


Past Speaking Engagements

American Bar Association Business Law Section

On September 23, as part of the American Bar Association Business Law Section Annual Meeting 2021, Monika McCarthy participated on a panel – Fair Servicing Spotlight and CARES Act Challenges. This panel discussed best practices to avoid fair servicing risks, predictions for fair servicing supervision and enforcement activity, and priorities of consumer advocates in the… Read more »


Past Speaking Engagements

Mortgage Bankers Association (MBA) – Regulatory Compliance Conference

On Tuesday September 14th, Monika McCarthy participated on a panel at the MBA’s Regulatory Compliance Conference. The panel’s topic was Working with Your Vendors to Solve Common Compliance Challenges. Attendees learned best practices for engaging with vendors to solve common compliance challenges based on scenarios presented by industry practitioners.


Articles

Mission Impossible? Overcoming Fair Lending Challenges in Non-mortgage Products

In the September/October issue of ABA Bank Compliance, Jennifer Paradise, CRCM, discusses managing fair lending risks in all loan products offered, not just mortgage loans reported under the Home Mortgage Disclosure Act (HMDA). While managing fair lending exposure outside the realm of home mortgage lending can be challenging, it is not an impossible mission. Learn… Read more »


Announcements

CrossCheck Compliance Added to Fitch List of Third-Party Review (TPR) Firms

CrossCheck Compliance announced today that the firm has been assessed by Fitch Ratings, Inc. (Fitch), a nationally recognized statistical rating organization, and added to their list of TPR firms that are acceptable for conducting loan-level diligence for private-label residential mortgage-backed securities (RMBS) transactions. “We are pleased that Fitch has recognized our capabilities as a third-party… Read more »


Past Speaking Engagements

Compliance Management for First-Line Operations

On August 25th, Jocali Nakao, CRCM and CAMS, and Tracey Levandoski, CRCM, presented a webinar for the American Bankers Association (ABA). The topic of the webinar was Compliance Management for First-Line Operations. Called the first line of defense, the bank’s frontline and back-office operations together own compliance risk for the products it sells and services.… Read more »


Past Speaking Engagements

Fair Lending Risks in Originations, Servicing and Small Business

On August 19, Liza Warner presented a webinar on Fair Lending Risks in Originations, Servicing and Small Business for the Chicagoland Compliance Association (CCA). The current administration and the CFPB are both focused on equity and inclusion which extends to lending activities. Banks have always been expected to provide lending related services in a fair… Read more »


Articles

Post Covid, How Healthy is your Fair Lending Program

In the Summer issue of ACUMA Pipeline, Patti Katzban and Liza Warner address the anticipated regulatory focus by the National Credit Union Association (NCUA) on consumer protection and fair lending. Specific to federally insured credit unions, NCUA’s 2021 Supervisory Priorities state that examiners will assess a credit union’s Fair Lending Compliance Management System. Learn more… Read more »


Past Speaking Engagements

Northern Illinois Compliance Association (NICA) Presentation

On Friday July 16, at the NICA July meeting, Tracey Levandoski presented – Developing a Fintech Compliance Roadmap. This presentation focused on the factors bank management should consider in selecting a fintech lending partner, and then after making the selection, how the bank can help their fintech strategic partners develop a compliance roadmap and compliance… Read more »


Announcements

Sara McGinnis Joins CrossCheck Compliance as Director

“Sara brings a wealth of knowledge and expertise to our clients and team.” said Liza Warner, managing director, practice leader for regulatory compliance, internal audit, and fair lending.” Sara’s has internal audit and compliance management positions at USAA, U.S. Bank, Associated Banc-Corp, Johnson Financial Group and Wipfli LLP. For more information on Sara, please see… Read more »


Past Speaking Engagements

American Bankers Association (ABA) Servicing Webinar

On September 29, Brad Teplin and Liza Warner presented a webinar for the American Bankers Association (ABA) – Best Practices for Monitoring Servicing Performance. This webinar helped participants be better prepared to address common regulatory and investor concerns, improve consumer complaint management through analysis, trending of data, and root cause determination, and differentiate between the… Read more »


Past Speaking Engagements

American Bankers Association (ABA) Regulatory Compliance Conference

Liza Warner participated on three different panels at the American Bankers Association’s Regulatory Compliance Conference which was held June 22-24. These panels are: 1) Fair and Responsible Lending Risks for Mortgages Part 1: Product Design, Marketing and Originations, 2) Fair and Responsible Lending Risks for Mortgages Part 2: Fair Servicing and Debt Collections, and 3)… Read more »


Articles

Four Pillars of an Effective HMDA Compliance Program

In the July/August issue of ABA Bank Compliance, Heidi Wier authored an article entitled, Four Pillars of an Effective HMDA Compliance Program, Keys to Successful Data Integrity and Accurate Fair Lending Performance Analysis. Complete and accurate HMDA data is essential to understanding where and to whom loans are being made. Regulators have signaled that continued and… Read more »


Past Speaking Engagements

Central Florida Compliance Association (CFCA) HMDA Webinar

At the June 17th meeting of the Central Florida Compliance Association (CFCA), Heidi Wier presented a webinar entitled, HMDA: Keys to Successful Data Integrity.


Past Speaking Engagements

American Bankers Association (ABA) Webinar – Avoiding UDAAP Pitfalls

On June 10, Tracey Levandoski presented a webinar for the American Bankers Association (ABA) entitled Avoiding UDAAP Pitfalls: Recognizing and Addressing Risk in Marketing and Advertising. Enforcement actions for UDAAP violations are likely to increase, and UDAAP risk should be on the minds of every bank’s marketing manager. Supervisory highlights from the CFPB include references… Read more »


Past Speaking Engagements

Chicagoland Compliance Association (CCA) Bank-Fintech Webinar

On June 9, Tracey Levandoski presented a webinar for the Chicagoland Compliance Association (CCA). Her presentation focused on the factors bank management should consider in selecting a fintech lending partner, and then after making the selection, how the bank can help their fintech strategic partners develop a compliance roadmap and compliance infrastructure that meets the… Read more »


Past Speaking Engagements

The Compliance-Audit Partnership – ABA Webinar

On May 20, 2021, Heidi Wier and Jim Treacy presented a webinar for the American Bankers Association (ABA). During this webinar, The Compliance-Audit Partnership, participants learned how auditors can collaborate with compliance officers to fully understand the bank’s compliance risk and develop an audit plan to best address that risk while maintaining independence as the… Read more »


Articles

Avoiding UDAAP Pitfalls: Recognizing and Addressing Risks in Marketing and Advertising

Tracey Levandoski authored this informative article published in the May/June 2021 issues of ABA Bank Compliance. Enforcement actions for UDAAP violations are likely to increase, and UDAAP risk should be on the minds of every bank’s marketing manager. Supervisory highlights from the CFPB include references to misleading advertisements of bonus offers on deposit accounts, misleading… Read more »


Past Speaking Engagements

Wisconsin Bankers Association Real Estate Compliance School

In March 2021, Jim Treacy taught TRID and ATR/QM for the Wisconsin Bankers Association’s Real Estate Compliance School.


Past Speaking Engagements

Wisconsin Mortgage Bankers Association

In March 2021 Heidi Wier presented a Compliance Bootcamp for the Wisconsin Mortgage Bankers Association.


Past Speaking Engagements

Wisconsin Bankers Association Real Estate Compliance School

In March 2021, Heidi Wier taught HMDA for the Wisconsin Bankers Association’s (WBA) Real Estate Compliance School. Heidi has been a long-standing teacher for the WBA.


Announcements

Fair Lending Consultant – Data Analytics Position Available

CrossCheck Compliance is seeking an experienced professional to join its fair lending team. The location is flexible. For highlights of the position requirements, please download the attached, or for more detail, the full job description can be viewed or downloaded from our careers page.


Announcements

Promotion of Tracey Levandoski to Managing Director

CrossCheck Compliance LLC announced today that the firm has promoted Tracey Levandoski to managing director in its regulatory compliance and internal audit practice. In her expanded role Levandoski will be responsible for a portfolio of clients, leading strategic partner engagements, and engagement teams.


Past Speaking Engagements

HMDA: Submit With Confidence, Keys To Successful Data Integrity

On January 20, 2021 Heidi Wier presented a webinar for the Chicagoland Compliance Association (CCA) – HMDA: Submit with Confidence, Keys to Successful Data Integrity. Heidi discussed strategies for validating HMDA data prior to submission and ways to keep your HMDA data accurate going forward. The agenda included: Verifying your data Performing final reviews Understanding… Read more »


Articles

Analyzing Complaints – How to Understand Your Bank’s Complaint Data

In the January/February 2021 issue of ABA Bank Compliance, Liza Warner provides insight into how a bank can use the results of the March 2020 Consumer Financial Protection Bureau (CFPB) Consumer Response Annual Report as a reference point to analyze its own complaints. In 2019, the period covered by this report, there were over 350,000… Read more »


Past Speaking Engagements

California MBA Legal Issues and Regulatory Compliance Conference

On January 12, 2021 at the California Mortgage Bankers Association’s Legal Issues and Regulatory Compliance Conference, Monika McCarthy moderated a General Counsel Roundtable. The other general counsel panelists included Ann Savage-Davis, Mountain West Financial, Inc., Lauren Ingersoll, Inspire Home Loans, Inc., Marc Ely, Paramount Residential Mortgage Group, Inc. and Philip Schild, Homebridge Financial Services, Inc.… Read more »


Articles

Managing Consumer Complaints for Compliance Professionals – New MBA Resource

If you are looking for more information about implementing a consumer complaint response process, there is a new resource available through the MBA’s education program. Managing Consumer Complaints for Compliance Professionals, is a new course that Heidi Wier worked on with the MBA. This course presents foundational concepts to help companies improve their consumer complaint… Read more »


Articles

Combating Current Legal Threats

In the Fall 2020 issue of California Mortgage Finance News, Monika McCarthy authored an article entitled, Combating Current Legal Threats, Tips for Mortgage Lenders and Servicers. She addresses three key threats that have emerged since the pandemic that impact California mortgage lenders and servicers: 1) fair servicing issues, 2) fair lending issues, and 3) the… Read more »


Articles

MBA’s Mastering HMDA Data for Compliance Professionals Course

CrossCheck Compliance was honored to have its managing director, Heidi Wier, work with the MBA to develop Mastering HMDA Data for Compliance Professionals. This course is available as a standalone course or as one of the 12 courses in the MBA’s Level II Certified Mortgage Compliance Professional Certificate and Designation (CMCP) curriculum. For more information… Read more »


Past Speaking Engagements

Mortgage Bankers Association (MBA) Regulatory Compliance Conference

At the MBA’s 2020 Regulatory Compliance Conference, Monika McCarthy co-presented with Laura LaRaia, Chief Legal Officer and General Counsel of First Guaranty Mortgage Corporation. Their presentation, Reviewing Processes for Compliance Professionals, was part of the CMCP Track and provided guidance on advertising and marketing compliance.


Announcements

CrossCheck Compliance LLC Added to S&P Global Ratings List of Third-Party Due Diligence Firms

CrossCheck Compliance LLC, a leading provider of regulatory compliance and due diligence services, announced today that the firm has been added to the S&P Global Ratings’ (S&P) list of reviewed firms that conduct third-party due diligence for U.S. residential mortgage-backed securities (RMBS).


Articles

Mitigating Risks of Banking Money Service Businesses

In the November/December issue of ABA Bank Compliance, Jim Treacy addresses how banks can build an appropriate BSA/AML/OFAC Compliance Program. Jim covers performing an enterprise-wide BSA/AML/OFAC risk assessment, as well as developing a customer risk profile for each individual money service business (MSB). He also describes ongoing monitoring of MSB customers and MSB red flags… Read more »


Articles

Best Practices for Choosing a Fintech Lending Partner

In this article, published in the Utah Banker, Tracey Levandoski discusses the risks to consider and the decisions to be made as banks accelerate their digital strategies through partnerships with fintech lenders. In addition to reviewing the regulatory guidance for managing third-party risk, she addresses the evaluation process in terms of lending experience and expertise… Read more »


Past Speaking Engagements

Utah Bankers Virtual Compliance Conference

At the Utah Bankers Virtual Compliance Conference, Liza Warner moderated the Compliance Officers Roundtable. The panel discussed hot topics that compliance officers are facing. Overall the conference offered a mixture of general and breakout sessions designed to help compliance professionals stay current with and function confidently in the rapidly changing regulatory environment.


Past Speaking Engagements

Utah Bankers Association Compliance Conference – Fintech Compliance Session

Tracey Levandoski presented at the Utah Bankers Compliance virtual conference at one of the breakout sessions on Tuesday October 27. She addressed, Developing a Fintech Compliance Roadmap. Her presentation focused on the factors bank management should consider in selecting a fintech lending partner, and then after making the selection, how the bank can help their… Read more »


Past Speaking Engagements

ACUMA Virtual Conference – Quality Control Panel

On September 22nd, Todd Krell participated on a quality control panel for ACUMA’s Annual Conference. The theme, “Celebrating Credit Union Mortgage Heroes”, was dedicated to all the front-line financial workers who play a vital role in making it possible to put people in homes every day, especially during the pandemic. Panelists included: Todd Krell, Managing… Read more »


Announcements

American Bankers Association (ABA) Reference Guide to Regulatory Compliance

CrossCheck Compliance was honored to work with the American Bankers Association (ABA) as the author of the most recent updates to the Reference Guide to Regulatory Compliance. This guide is a comprehensive and detailed resource for compliance professionals and those preparing for the CRCM exam. This latest edition is available at https://www.aba.com/news-research/references-guides/reference-guide-regulatory-compliance.  


Articles

Avoiding Surprises in Mortgage Servicing

In the September/October issue of ABA Bank Compliance, co-authors Jim Shankle and Brad Teplin address the importance of establishing internal monitoring systems for servicing. The article includes a comparison of quality assurance and quality control as well as considerations for reporting results and exceptions, the regulatory change control process for servicing, servicing transfers and loan… Read more »


Past Speaking Engagements

Common Compliance Findings – TRID & Beyond

On July 17, Tracey Levandoski and Jim Treacy presented a webinar for the Northern California Compliance Association (NICA) about TRID, including TRID challenges, common regulatory findings and recent TRID updates.


Articles

Choosing Your Fintech Mortgage Partner Wisely

In this article, published in the Summer 2020 issue of ACUMA Pipeline, Patti Katzban and Liza Warner discuss the best practices for credit unions in vetting financial technology partners (fintechs) to optimize the overall mortgage experience. There are many risks to consider and decisions to be made. Learn more about the key considerations from these… Read more »


Past Speaking Engagements

Fair Servicing During the COVID-19 Emergency and Beyond

A part of the ABA’s Risk and Compliance Virtual Conference, July 28-30, Karen Cullen participated in an on-demand webinar regarding how servicers can manage the risk of fair lending and UDAAP concerns as they navigate through the COVID-19 national emergency and its aftermath. Karen was joined by Greg Schwager, Senior Counsel, PNC Bank. The panel… Read more »


Past Speaking Engagements

Subprime Auto Market Webinar

On July 15, Todd Krell was a Special Guest in a subprime auto market webinar offered by the Davis & Gilbert Insolvency, Creditors’ Rights & Financial Products practice group. The focus of this webinar was on how subprime RMBS serves as a roadmap for future subprime auto ABS litigation. Davis & Gilbert speakers included Joseph… Read more »


Articles

Monitoring in the Time of COVID-19, Keeping Pace with Change

In the July/August issue of ABA Bank Compliance, Mollie Newsome Sudhoff discusses compliance monitoring in the time of COVID-19. Learn more about the best practices in keeping pace with change, especially in some of the key impact areas.


Articles

How to Audit Compliance Effectively

In the July/August issue of ABA Bank Compliance, Heidi Wier discusses how auditors can partner with compliance, while still maintaining independence, ease the impact of ongoing regulatory changes and emerging issues such as COVID-19, increase audit effectiveness and add additional value to the organization.


Past Speaking Engagements

California Mortgage Bankers Association (California MBA) Podcast

Check out the latest episode of the California MBA’s Connect podcast program. Monika McCarthy spoke with Dustin Hobbs, about her journey in the mortgage industry, how the new forbearance requirements have impacted lenders and servicers, what to look out for in the legal/regulatory space, and much more!


Past Speaking Engagements

Common Compliance Findings – TRID and Beyond

On June 18th, Tracey Levandoski, CRCM, and Jim Treacy, CPA and Certified BSA Officer, presented a  webinar for the Central Florida Compliance Association (CFCA). Both Tracey and Jim have deep compliance backgrounds in the financial services industry. For more information about membership in the CFCA, about TRID, or to obtain the recording, please e-mail Mollie… Read more »


Past Speaking Engagements

Emerging from Quarantine: Unmasking Key Considerations for Small Dollar Lenders

On June 3rd, Debbi Roberts participated on a panel discussing initial considerations for the small dollar lending businesses as consumers re-enter the world. The issues discussed include qualifying consumers who were recently unemployed or underemployed, addressing forthcoming consumer bankruptcies and having policies and procedures in place for the future. The other panelists included Jeremy Pope… Read more »


Articles

How to Help Your Fintech Partners Develop a COMPLIANCE ROADMAP

In this article published in the May/June 2020 issue of ABA Bank Compliance, Tracey Levandoski, CRCM, describes how banks can help their fintech partners develop an effective path to building a compliance infrastructure. She addresses the various points of the “journey” to the destination of a fully functional compliance management system (CMS) that meets the… Read more »


Articles

Fair Lending Audit – Seeing the Forest for the Trees

In this new ABA Bank Compliance article, Fair Lending Audit – Seeing the Forest for the Trees, Liza Warner discusses how a fair lending internal audit helps an institution gain a clear and objective understanding of fair lending compliance risk. As a key area of regulatory scrutiny, and one that garners a lot of public… Read more »


Past Speaking Engagements

Fair Lending Webinar – CFPB’s Focus on Redlining and Marketing Discrimination

On February 19 Karen Cullen of CrossCheck Compliance LLC and Richard Horn of Garris Horn PLLC led a  one-hour webinar regarding the CFPB’s fair lending focus on redlining and marketing discrimination claims. The CFPB has noted in recent public reports that its fair lending efforts in the mortgage industry are focused on redlining and marketing discrimination. This… Read more »


Announcements

CrossCheck Compliance Added to Kroll Bond Rating Agency List

CHICAGO, IL – January 13, 2020 – CrossCheck Compliance LLC (CrossCheck), a leading provider of regulatory compliance and due diligence services, announced today that the firm has been reviewed and added to the Kroll Bond Rating Agency’s (KBRA) published list of accepted third-party review firms whose review diligence grading, results, and reports conform to KBRA’s… Read more »


Announcements

Sovereign – CrossCheck Compliance Agreement

Chicago, IL – January 7, 2020 – CrossCheck Compliance LLC (“CrossCheck”) announced today that it has entered into a definitive agreement to acquire certain assets of Sovereign Mortgage Services, Inc. (“Sovereign”). The acquisition strengthens CrossCheck’s position in the financial services industry as a high-quality provider of mortgage quality control services and expands its client base… Read more »


Past Speaking Engagements

MBA Webinar – Effective Internal Audit Function: The Fundamentals

On January 30, 2020 MBA Education and CrossCheck Compliance held part one of the Internal Audit webinar series. MBA webinars are complimentary to MBA members. The continuing regulatory focus by the CFPB, the GSEs, and other investors has driven the need for mortgage companies to enhance their corporate governance structures by implementing effective internal audit… Read more »


Past Speaking Engagements

MBA Webinar – Effective Internal Audit Function: Beyond the Basics

On February 13, 2020, MBA Education and CrossCheck Compliance held part two of the Internal Audit webinar series. Building on themes in part one, we discussed how effective internal audit programs evolve over time. What does it mean to have an effective internal audit function? What is the best structure for your internal audit function?… Read more »


Articles

Health Check of Your Fair Lending Program

Published in Western Banker, this article addresses how strong compliance programs effectively navigate the challenging environment of fair lending compliance. This informative article describes how the key ingredient to success is establishing a connection between risk assessment and performance analysis.


Articles

Mortgage Women Magazine – Back to School

In the September 2019 issue of Mortgage Women Magazine, Chris Ortigara addresses how women are taking their careers to the next level with a  CMB® (Certified Mortgage Banker) designation. She shares not only her own experience, but the experiences of three other very successful women including Jennifer Roe Whip, Christy Moss, and Leora Ruzin.  … Read more »


Past Speaking Engagements

Chicagoland Compliance Association Event at Northern Trust

On December 6th, the Chicagoland Compliance Association (CCA) held an event at Northern Trust. The event included Legislative and HMDA Updates and a discussion of Complaint Management How-To’s. Karen Cullen presented How to Prepare Your HMDA Submission. Liza Warner, along with Donald Piattoni, Business Analytics Lead, PNC Bank, spoke about classifying complaints and key metrics… Read more »


Past Speaking Engagements

Financial Service Centers of America (FISCA) Money Trends Conference

On Monday, October 21, Heidi Wier was a co-presenter with Allen Denson, Partner of Hudson Cook, LLP, at the FISCA Money Trends Conference in Miami, FL. Their topic was entitled: The CFPB Examination Process and Critical Compliance Issues. This workshop provided attendees with the fundamentals of compliance management systems, examination preparations, and post-examination processes.


Past Speaking Engagements

RegList On The Ocean

November 4-6, RegList held their Fall 2019 Compliance event in Huntington Beach, CA. The two full days of content included presentations on timely and impactful topics, as well as opportunities to work alongside fellow RegListers to share knowledge and network. On Day Two, Monika McCarthy presented with Rich Horn, Managing Member, Garris Horn, on CFPB’s… Read more »


Past Speaking Engagements

Illinois Mortgage Bankers Association (IMBA) Mortgage Market Update

On October 25th, the IMBA held its Mortgage Market Update event at the Wintrust Mortgage office in Rosemont, IL. Topics included an economic forecast, updates from Fannie Mae, a non-QM product discussion, and the impact of MI risk-based pricing on secondary and origination. Chris Ortigara moderated the non-QM panel.


Past Speaking Engagements

Arch MI Executive Roundtable

On October 15th in Rosemont, IL, Chris Ortigara  participated in the Arch MI Executive Roundtable. At this complimentary panel luncheon for Chicago-area mortgage executives, Chris addressed new regulatory requirements facing lenders. Other panelists included Bernard Nossuli, iEmergent Chief Operating Officer, Brett O’Daniell, HomeTraq Co-Founder and Laura Kay Sheely, Arch MI Account Manager. Sheely co-hosted the… Read more »


Past Speaking Engagements

Western Bankers Association (WBA) Servicing Webinar

On November 7th Jim Shankle presented a webinar entitled – Avoiding Surprises in Mortgage Servicing. As banks face competitive challenges and increased regulatory and investor scrutiny, establishing internal monitoring systems to provide ongoing feedback on critical servicing components should be an integral part of the management structure for all loan servicers. Preventing surprises that can… Read more »


Past Speaking Engagements

Utah Bankers Association (UBA) 2019 Fall Compliance Conference

October 23-25, 2019 in Park City, Utah This year’s annual UBA Fall Compliance Conference, named Compliance Superhero Conference, offered compliance professionals in-depth, content-rich discussions that addressed critically important topics. Tracey Levandoski, director in CrossCheck’s Regulatory Compliance and Internal Audit practices, was one of the featured speakers. Tracey presented: CMS Auditors: Superheros or Your Bank Nemesis?… Read more »


Past Speaking Engagements

Wisconsin Mortgage Bankers Association (WMBA) Mortgage Boot Camp

November 12-13, WMBA held its Second Annual Mortgage Bootcamp. Designed for those who work in the mortgage industry, this highly recommended one-and-a half day seminar walked attendees through the mortgage loan cycle and everything they needed to know to be a stronger mortgage professional. On Day Two, Heidi Wier, managing director in CrossCheck’s Regulatory Compliance… Read more »


Past Speaking Engagements

MBA Webinar – Fair Lending

On November 6, Karen Cullen presented a fair lending webinar for the MBA entitled: Checking the Effectiveness of Your Fair Lending Program. As of October 1, MBA webinars are complimentary to MBA members. History has taught us that the regulatory landscape is ever evolving, and strong compliance programs are able to adjust to changes when… Read more »


Past Speaking Engagements

MBA HMDA/Fair Lending Webinar

On October 30, Heidi Wier and Karen Cullen presented a webinar for the MBA entitled: What Your HMDA Data Says About Your Fair Lending Performance. As of October 1, MBA webinars are complimentary to MBA members. In this webinar, Heidi and Karen addressed how to implement an ongoing monitoring process to ensure the integrity of… Read more »


Past Speaking Engagements

Central Florida Compliance Association (CFCA)

On Thursday September 26th, Karen Cullen, director in CrossCheck’s Regulatory Compliance and Fair & Responsible Lending practices, presented at the CFCA’s annual meeting, held in Orlando, FL. Karen’s presentation covered how to perform a Health Check of Your Fair Lending Program – Connecting Risk Assessment and Performance Analysis. **The Full Fall 2019 Compliance Conference was… Read more »


Past Speaking Engagements

Mortgage Bankers Association (MBA) Servicing Webinar

On Tuesday, October 1st at 2:00 ET, Jim Shankle and Chris Ortigara presented a webinar entitled Monitoring Mortgage Servicing and Avoiding Surprises. As mortgage servicers face competitive challenges and increased regulatory and investor scrutiny, management must rely on internal systems to provide ongoing feedback on critical servicing components. Establishing internal monitoring systems should be an… Read more »


Past Speaking Engagements

Western Bankers Association (WBA) Education Summit and Regulatory Compliance Conference

On Tuesday August 27 at the WBA conference in Huntington Beach, CA, Jim Shankle, managing director, Regulatory Compliance and Internal Audit, spoke on the topic: Avoiding Surprises in Mortgage Servicing. His presentation included the challenges that mortgage servicers have had regarding compliance with CFPB servicing rules, servicing transfers, regulatory and investor quality control requirements, and… Read more »


Past Speaking Engagements

Enterprise Risk Management for Attorneys: A How-To on Mitigating Risk

On Wednesday, August 7th, Monika McCarthy participated in the American Law Institute Continuing Education (ALI CLE) webcast/telephone seminar on Enterprise Risk Management for Attorneys: A How-To on Mitigating Risk. Participants learned how they can have a positive impact on their client’s risk management practices. This practical webcast benefited business attorneys, corporate counsel, in-house counsel, insurance… Read more »


Announcements

Debbi Roberts Announcement

Debbi Roberts has joined CrossCheck Compliance as a business development director with responsibilities for managing client relationships across all of the firm’s services.


Past Speaking Engagements

Western Bankers Association Fair Lending Webinar

On July 31, Karen Cullen, director in the Regulatory Compliance and Fair & Responsible Lending practices, presented a webinar entitled, Health Check of Your Fair Lending Program: Connecting Risk Assessment and Performance Analysis for the Western Bankers Association.   In this webinar, participants discovered how risk assessment drives the priority of performance analysis and, in… Read more »


Past Speaking Engagements

Northern Illinois Compliance Association (NICA)

On July 19, fair lending expert, Karen Cullen spoke at NICA’s July meeting. Her presentation, Health Check: Fair Lending, addressed how to understand your fair lending risk and right size your compliance.


Past Speaking Engagements

Central Florida Compliance Association (CFCA) Webinar

On Wednesday, July 10th, Jim Treacy presented a webinar entitled, Overdraft Programs Compliance Best Practices. Jim is a CPA and a Certified BSA Officer with over 20 years of operational, financial and compliance experience in the financial services industry.


Articles

How to Maintain Fair and Responsible Servicing Practices

The cover story of the July-August issue of ABA Bank Compliance magazine, How to Maintain Fair and Responsible Servicing Practices, was co-authored by Liza Warner and Karen Cullen. In this article, the authors address how compliance officers can guide their organizations in successfully navigating an evolving compliance landscape by identifying and mitigating compliance risk in… Read more »


Past Speaking Engagements

Chicagoland Compliance Association Fair Lending and CRA Symposium

On July 26, Karen Cullen, director in the Regulatory Compliance and Fair & Responsible Lending practices, spoke about what’s next in fair lending. Her presentation covered AI and the fair lending risk associated with using models; even when one thinks there is no discretion in decision.


Past Speaking Engagements

Iowa Mortgage Association Boot Camp

Tracey Levandoski presented What You Need to Know as a Mortgage Lender at the Iowa Mortgage Association Boot Camp held May 16-17, 2019.


Past Speaking Engagements

MBA’s Legal Issues and Regulatory Compliance Conference

On Monday May 6th, Monika McCarthy, managing director and general counsel, participated on a panel at the MBA’s Legal Issues and Regulatory Compliance Conference. This panel was part of the Applied Compliance Track and specifically addresses UDAAP Compliance. The other panelists included Anthony (Tony) Alexis, partner at Goodwin; Michelle Rogers, partner at Buckley LLP; and… Read more »


Articles

We Are Change Leaders

The cover story of the 2019 May-June issue of ABA Bank Compliance was written by Liza Warner. The article is about adapting and advancing in the evolving financial services landscape. She covers the role that compliance officers play in supporting banks’ strategic goals through change management and provides a framework for how compliance professionals can… Read more »


Articles

Understand Where Your Data and Programs Meet to Control Risk

Published in the April 19, 2019 issue of Compliance Action, this article addresses lessons learned from past fair lending consent orders. Adequate fair lending risk management requires not only awareness of potential fair lending risk, but an understanding of how that risk is affected by the institution’s programs and how those programs are executed. Only… Read more »


Articles

Mindset Matters: Are You Set Up for Quality Control Success?

Mindset Matters – Mortgage Compliance Magazine In the April 2019 issue of Mortgage Compliance Magazine, co-authors Tim McWay and Aaron Soule discuss how decreasing volumes and shifts toward new products have led to a new mindset regarding quality control. The article discusses how lenders who are successful with quality control adopt strategies that not only… Read more »


Past Speaking Engagements

Florida Bankers Association 34th Annual Consumer Compliance Seminar

In Orlando, FL on April 5, Monika McCarthy, managing director and general counsel, presented “Banking Ethics, Governance & Risk Mitigation Best Practices”.


Past Speaking Engagements

ABA Intermediate Compliance School

On April 1 in Tucson, AZ, Karen Cullen, director in CrossCheck’s Regulatory Compliance and Fair & Responsible Lending practices, was a panelist at the ABA’s Spring 2019 Intermediate Compliance School. The panel addressed Compliance Hot Topics.


Past Speaking Engagements

Wisconsin Bankers Association (WBA) Real Estate Compliance School

On March 11th, Jim Treacy, director, and Heidi Wier, managing director, taught Regulation Z, TRID and Ability to Repay. On March 15th Heidi Wier taught HMDA.


Past Speaking Engagements

Mortgage Bankers Association’s (MBA) National Servicing Conference

On Wednesday, February 27th, Jim Shankle, managing director, participated on a panel, Quality Control for Major Operational Risk Areas, at the Mortgage Bankers Association’s National Servicing Conference. The panel identified the top operational risk areas for servicers and recommended how to ensure adequate quality control. These risk areas include vendor management, customer handling and response,… Read more »


Articles

Ensuring Quality Originations

In the Winter 2019 issue of ACUMA PIPELINE, Todd Krell provides insights for credit unions to the question – Is It Time to Review Your Quality  Assurance Program and Your Quality Control Plan?


Past Speaking Engagements

Wisconsin Bankers Association (WBA) Mortgage Lending School

On February 19th, Heidi Wier, managing director, taught the following topics: Regulation Z, Fair Lending, HMDA, Equal Credit Opportunity Act, SAFE Act and Flood, among other topics.


Past Speaking Engagements

Illinois Mortgage Bankers Association (IMBA) Risk Management Committee HMDA Webinar

On Thursday, Feb. 7, 2019, IMBA’s Risk Management Committee in conjunction with Neighborhood Loans and CrossCheck Compliance, offered a complimentary webinar: HMDA: Submit with Confidence, Keys to Successful Data Integrity The presenters included: Karen Cullen, Director, CrossCheck Compliance Heidi Wier, Managing Director, CrossCheck Compliance Moderator: Nathan Britsch, Executive VP, Compliance, Neighborhood Loans


Past Speaking Engagements

California Mortgage Bankers Association (CMBA) HMDA Webinar

On Thursday, January 24th Heidi Wier, managing director, and Karen Cullen, director, presented a webinar for the California MBA’s Mortgage Quality and Compliance Committee entitled HMDA: Submit with Confidence, Keys to Successful Data Integrity. Participants learned ways to finalize their LAR submissions and handle last minute integrity issues all while not falling behind with 2019… Read more »


Articles

Silver Linings Playbook: Compliance Edition

WBA Compliance Article January 2019 In the January 2019 issue of Wisconsin Banker, Heidi Wier was interviewed by the author of this article which discussed strategies for turning compliance into a competitive advantage. Among the topics that Heidi addressed were the importance of demonstrating to customers that the bank has a culture of compliance, performing… Read more »


Articles

Fair Lending for Commercial Loans: Within the Sight Lines of the Regulators

Fair Lending for Commercial Loans – Western Banker Nov-Dec 2018 Published in the November-December 2018 issue of Western Banker, this article addresses the challenges of doing a fair lending review of commercial lending.


Past Speaking Engagements

Chicagoland Compliance Association

HMDA: Get Answers to Your Most Pressing Questions! On December 7th in Chicago, IL, industry experts and front-line subject matter experts provided an update on HMDA related topics. Karen Cullen, director, Regulatory Compliance and Fair & Responsible Lending, spoke on HMDA Data Integrity: Importance of Systemic and Logic Reviews.


Past Speaking Engagements

Illinois Mortgage Bankers Association (IMBA) Year-End Mortgage Market Update

On December 4th in Chicago, the IMBA presented an economic and mortgage market overview. Chris Ortigara, director, who chairs the IMBA Secondary Marketing Committee, moderated a panel which included Peter J. Taglia, senior VP, FTN Financial Capital Assets Corporation; Paul Lueken, CEO, Draper & Kramer Mortgage; Jeremy Collett, executive director, Capital Markets, Guaranteed Rate; and… Read more »


Past Speaking Engagements

HMDA, Trust but Verify Webinar for Total Training Solutions/CU Webinars

On December 4th from 1:30 to 3:30 Central Time, Heidi Wier presented a webinar through Total Training Solutions and CU Webinars.com on the methods credit unions can use to ensure that their HMDA data is accurate. This webinar was beneficial for anyone who has responsibility for HMDA data integrity or analyzing the information to help… Read more »


Past Speaking Engagements

California Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference

At the California MBA Legal Issues and Regulatory Compliance Conference in Newport Beach California, December 3 – 4, 2018, Monika McCarthy, managing director and general counsel, moderated the General Counsel Roundtable with the following panelists: Je Yon Jung, AmWest Funding Corp., Tom Noto, Stearns Lending, Lauren Ingersoll, Inspire Home Loans, and Ken Block, New American… Read more »


Articles

The Future is Digital Mortgages – Are You Choosing Your Fintech Partner Wisely?

In the winter issue of California Mortgage Finance News, Liza Warner and Monika McCarthy  address the considerations lenders face when reviewing the options for partnering with fintechs. Finding the right fintech solution partner and implementing compliance protocols and best practices to mitigate risks is a win-win for consumers, lenders, technology innovators, investors, and the industry… Read more »