Mitigating Fraud Risk Through the Loan Life Cycle

In the August 2018 issue of Mortgage Compliance Magazine, Todd Krell and Tim McWay discuss how a fraud prevention program that encompasses the entire loan life cycle can help mortgage lenders mitigate fraud risk. Given that industry data shows that once again, fraud has been increasing, this is a very timely article.


Leveraging Technology to Improve the Accuracy of HMDA Data

Ensuring the accuracy of Home Mortgage Disclosure Act (HMDA) data has always been a challenge. In the July issue of Housing Wire, Heidi Wier, managing director, shares how systemic data integrity reviews can help manage risk.


Are You Leaving Money on the Table?

Are-You-Leaving-Money-on-the-Table In a special supplement to Illinois Banker, 2018 Banking Trends: Management and Operations, Heidi Wier, managing director, and Kelli Schoon-Saxsma, manager, discuss how a lack of focus or dedication of resources toward Regulation E and claims processing could lead to unintended errors, or even ‘over compliance’, which may increase operating losses and leave money… Read more »


State Attorneys General Ramping Up – Are You Ready?

State Attorneys General Ramping Up In the summer issue of California Mortgage Finance News, Monika McCarthy, managing director and general counsel, addresses the ramp up in supervision and enforcement by the state regulators in areas where the CFPB is pulling back.


Controlling the Narrative: Now Is the Time to Understand Your Data

Controlling the Narrative – Now is the Time to Understand Your Data In the June issue of Mortgage Compliance Magazine, Karen Cullen, Director, Regulatory Compliance & Fair Lending, writes about the key elements that your institution needs to consider in understanding how your HMDA data relates to your business.


Karen Cullen joins CrossCheck Compliance

Karen Cullen has joined CrossCheck Compliance as a director in our Compliance and Fair & Responsible Lending practices. Karen is a regulatory compliance and fair lending leader with over twenty-five years in financial services including banking, mortgage banking and electronic payment services. She has both corporate and organizational expertise in detailed compliance program implementation, quality control… Read more »


Staffing Up for CMS

Staffing-up-for-CMS-ABA-Bank-Compliance.pdf. In this article, seen in the March-April issue of ABA Bank Compliance, Liza Warner, managing director, discusses how financial institutions of all sizes must continue to evolve their compliance teams to set the culture of compliance throughout the organization, resulting in a more effective Compliance Management System (CMS).


Avoiding Surprises

Avoiding Surprises – Servicing Quality Assurance and Quality Control Monitoring Systems can be Management’s Best Friend This article, co-authored by Jim Shankle and Bill Tyner, was the cover story for the February 2018 issue of Mortgage Compliance Magazine.


The Mortgage Servicing Rule – Are You Prepared?

This article was originally published as the cover story of the September-October 2017 issue of ABA Bank Compliance. Jim Shankle and Liza Warner discuss the challenges faced by loan servicers in implementing the 2016 Servicing Rule.


The Ongoing Challenges of Servicing Transfers

Mortgage Banking Magazine Servicing Article In this article published in Mortgage Banking Magazine, Chris Ortigara and Jim Shankle address the need for loan servicers to carefully review the loan-boarding processes to ensure compliance with the CFPB’s mortgage servicing rules.


Preparing for the unexpected

Viewpoints CrossCheck In this Viewpoints article in the December 2017/January  2018 issue of Housing Wire, Jim Jorgensen, president, CEO and founder of CrossCheck Compliance, discusses how lenders can get in front of major risks through an enterprise risk management framework.


Hot Topics for Regulatory/Compliance Pros

Hot Topics for Regulatory – Compliance Pros This article is the latest in a series dealing with the issues facing the real estate finance industry. Each issue CMBA experts are asked for their thoughts on the issues at hand. In this issue of CMFN, Monika McCarthy, Managing Director and General Counsel, participated in a roundtable… Read more »


HMDA – It’s Not Just About the Data

In the November issue of Mortgage Compliance Magazine, Loretta Kirkwood, Managing Director, discusses the impact of the new and expanded HMDA data requirements on fair lending risk management.

Company Profile

California Mortgage Bankers Association (CMBA) Member Profile

CrossCheck Compliance LLC was recently profiled by the California Mortgage Bankers Association (CMBA). Our CEO, Jim Jorgensen, responded to the “Big 3” questions posed by the association about the state of the market and what to look forward to in the future.


WATCH – DON’T WAIT, Is Your Fair Lending CMS Up-to-Date?

This was the most read article in the September issue of Mortgage Compliance Magazine. Congratulations to Loretta Kirkwood and Austin Brown for their insights on developing and implementing a fair lending compliance management system. MCM_Sep2017_FL-CMS_Article


New and Re-emerging Fair Lending Risks

Mortgage Compliance Magazine – New and Re-emerging Fair Lending Risks Loretta Kirkwood and Austin Brown of Skadden, Arps partnered to discuss new risks and renewed interest in “old” risks in the every-changing world of fair lending risk management.  


Distinguishing Between a Real Internal Audit and an ‘Imitation’

Chris Ortigara discusses the key considerations for independent mortgage companies as they look to outside resources for internal audit support. Cross Check MCM Internal Audit – August 2017


California Mortgage Finance News – Regulatory/Compliance Outlook

Chris Ortigara, participating in this roundtable article, reflects on MSAs, challenges facing the mortgage industry and what lenders can do to better protect their data and information.


Effective Partnerships Between Banks and Marketplace Lenders – Managing Third-Party Risk

Jim Shankle and Chris Ortigara discuss the three critical components of successfully managing third-party risk of fintechs.


Compliance Management – Working Smarter

Liza Warner discusses best practices for managing the compliance function in this article published in ABA Bank Compliance.


What Is Your Time Worth?

In Mortgage Compliance Magazine, Todd Krell discusses how you can have a more effective quality assurance program.


California Mortgage Finance – Unprecedented Times Call for Unprecedented Leadership, Advice for General Counsel from General Counsel

Monika McCarthy shares the advice of General Counsel colleagues on the challenges impacting the mortgage industry in this article published in California Mortgage Finance News. Learn more about how to better navigate this year’s risks.


ABA Bank Compliance – Best Practices for Managing the Consumer Complaint Program

Liza Warner discusses best practices for the consumer complaint management program in this article published in ABA Bank Compliance. Learn more about how banks can more effectively meet their strategic business objectives and manage regulatory risk. Update: The ABA announced in the September-October 2018 issue that Liza had won the prestigious APEX writing award for this… Read more »


Preparing for CFPB Servicing Exams, Avoiding Common Mistakes With Servicing Transfers and Private Mortgage Insurance

Jim Shankle and Chris Ortigara discuss preparing for CFPB servicing exams in this article published in Mortgage Compliance Magazine. Learn more about avoiding common mistakes with servicing transfers and private mortgage insurance.


ABA Bank Compliance – Compliance in 3D, The Second Line of Defense, Are the Stars Aligned?

Liza Warner discusses best practices for managing the second and third lines of defense in two articles published in ABA Bank Compliance Journal. Learn how to better protect your organization against risks in the compliance process.


Are you integrating TRID Into Your Quality Control Process?

Todd Krell and Chris Ortigara discuss the considerations regarding implementing TRID into your QC process. This article can also be found in the Summer Issue of California Mortgage Finance News published by the California Mortgage Bankers Association.


Best Practices for Establishing a Cost-Effective Internal Audit Function

Heidi Wier discusses best practices for establishing a cost-effective internal audit function. Learn how to implement internal audit in a mortgage environment.

White Papers

Why Mortgage Companies Should Embrace Internal Audit

The heightened regulatory focus on the mortgage industry is driving public and non-public mortgage companies to enhance their corporate governance structures by implementing effective internal audit functions.


Internal Audit, Where Does It Fit in the Compliance Puzzle?

Chris Ortigara and Jim Shankle discuss internal audit for mortgage bankers in Mortgage Compliance Magazine. Learn how internal audit fits in the compliance puzzle.