Past Speaking Engagements

Central Florida Compliance Association Webinar on Fair Lending Analysis

Ryan Addabbo conducted a CFCA webinar on Fair Lending Analysis: How to Use Data Analysis as Part of a Strong Fair Lending Compliance Program on July 17th. Ryan covered essential topics such as building a robust fair lending compliance program, strategies for data monitoring to assess fair lending risk, understanding HMDA data, identifying disparities and… Read more »


Articles

Manufacturing Fair Lending – How Data Defines a Modern Theory of Redlining

We’re excited to share insights from Ryan Kingsley’s article in National Mortgage Professional on Manufacturing Fair Lending, about the evolving landscape of redlining and fair lending. The insights from CrossCheck’s strategic partners, Paul Hancock of K&L Gates, Brian Montgomery and Michael Waldron of Gatehouse Compliance, underscore the complexities and regulatory challenges lenders face today. Liza… Read more »


Articles

FCRA Fundamentals: Obtaining Information and Sharing Among Affiliates

The July/August 2024 issue of ABA Risk and Compliance features the insightful column titled Obtaining Information and Sharing Among Affiliates by Tracey Levandoski. This column delves into FCRA fundamentals, offering guidance on how financial institutions can navigate complex information-sharing requirements. Tracey breaks down exceptions and compliance strategies, making this a must-read for compliance professionals. Ensure… Read more »


Past Speaking Engagements

Compliance and Coffee Webinar

On April 24th, Monika was featured on the Compliance and Coffee Webinar hosted by Melissa Grindel for ActiveComply. The theme of the discussion was “Spring Compliance Cleaning,” offering insights and actionable tips on ensuring marketing and website compliance.


Articles

FCRA Fundamentals: Permissible Purpose and Use of Prescreened Solicitations

Jim Treacy’s column titled Permissible Purpose and Use of Prescreened Solicitations is published in the May/June 2024 issue of ABA Risk and Compliance. FCRA remains a key focus for bank regulators; in this column, Jim focuses on FCRA rules on permissible purpose for obtaining consumer reports, use of prescreened lists for delivering firm offers of… Read more »


Past Speaking Engagements

Applied Compliance Track: Selecting and Working with Outside Counsel

On Monday, May 6th, Monika joined a panel at the Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference to discuss how to select and work with outside counsel. Other participants included Michael Briggs, John Grissom, and Carlos Pelayo.


Past Speaking Engagements

Emerging Issues Track: Trends in Mortgage Fraud

Todd Krell spoke on trends in mortgage fraud at the Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference in San Diego on May 5th. Todd, Katherine Hollister, and Bridget A. Berg discussed the latest fraud schemes and trends impacting the industry and how companies can be safeguarded.


Announcements

CrossCheck General Counsel Appointed as Co-Chair of the Corporate Counsel Committee of American Bar Association’s Business Law Section

CrossCheck Compliance is thrilled to announce that Monika McCarthy, its General Counsel, has been appointed as Co-Chair of the Corporate Counsel Committee of American Bar Association’s Business Law Section. This Committee, which also includes Dredeir Roberts as Co-Chair, is comprised of in house counsel, outside counsel and representatives of agencies that regulate corporate activity. It… Read more »


Past Speaking Engagements

Marketing Compliance Panel for Chicagoland Compliance Association

Sara McGinnis spoke at the Chicagoland Compliance Association’s Breakfast Meeting on April 12th. Sara discussed Marketing Compliance, covering deposit and lending compliance, digital marketing, social media, regulatory ad requirements, diversity representation, AI use, and fair banking risks.


Past Speaking Engagements

American Bar Association Business Law Spring Meeting

Monika McCarthy moderated a panel at the American Bar Association Business Law Spring Meeting in Orlando on April 5th about how to Do More With Less: Exploring Alternative Outside Counsel Engagement and Fee Arrangements.


Past Speaking Engagements

WBA Residential Mortgage Lending School

Heidi Wier taught at the Wisconsin Bankers Association (WBA) Residential Mortgage Lending School on March 25-28 at the Wisconsin Bankers Association Office in Madison. The program equipped attendees with essential knowledge and skills for success in the competitive field of residential mortgage lending, covering topics such as finance basics, compliance regulations, product knowledge, sales skills,… Read more »


Past Speaking Engagements

WBA Loan and Real Estate Compliance School

Heidi Wier and Jim Treacy taught at the Wisconsin Bankers Association (WBA) Loan Compliance School on March 11-15. The 2024 WBA Loan Compliance School, which incorporated the Real Estate Compliance School, was held in person at the Wisconsin Bankers Association office in Madison. This school offered a comprehensive overview of lending regulations, including federal and… Read more »


Articles

FCRA Fundamentals: Permissible Purpose and Use of Consumer Reports

Tracey Levandoski authored an article for the March/April 2024 issue of ABA Risk and Compliance on the topic of Fair Credit Reporting Act (FCRA), which outlines the rules a bank must follow for obtaining and using consumer reports and provides tips for effective FCRA compliance management.


Announcements

CrossCheck Compliance LLC Strategic Alliance with Gate House Compliance

CrossCheck Compliance LLC proudly announces a strategic alliance with Gate House Compliance, led by former HUD deputy secretary Brian Montgomery, civil rights attorney Paul Hancock of K&L Gates, and Michael Waldron, founder and partner of Compliability Solutions LLC. More details can be found in the BusinessWire press release, and in articles by HousingWire and National… Read more »


Articles

Utah Banker Magazine – Meeting the Credit Needs of the Community Through Special Purpose Credit Programs

In 2023 Issue 4 of Utah Banker, CrossCheck Compliance LLC Manager Keenan Neal authored an article titled Meeting the Credit Needs of the Community Through Special Purpose Credit Programs (SPCP). Homeownership is crucial for building wealth and achieving upward mobility; implementing slight adjustments to underwriting criteria or down-payment assistance programs could facilitate increased homeownership, strengthen… Read more »


Past Speaking Engagements

PBI Consumer Loan Servicing Symposium – Fundamental and Emerging Risk Issues CLE 2024

On January 30th, Monika McCarthy participated in a webcast hosted by the Pennsylvania Bar Institute (PBI) on the topic of Debt Collection & Loan Servicing – Fundamental and Emerging Issues. Topics included key regulations such as the FCRA, FDCPA, TCPA, Arbitration issues, RESPA, and fair servicing; with Monika speaking about fair servicing risks and best… Read more »


Past Speaking Engagements

Tri State League of Financial Institutions – Fair Lending Webinar

On December 14th, Ryan Addabbo presented a webinar hosted by the Tri State League of Financial Institutions on the topic of Emerging Issues in Fair Lending.


Past Speaking Engagements

2023 Chicagoland Compliance Association – HMDA Update: Common Issues, Challenges and Best Practices

On December 15th, Heidi Wier participated in a webinar hosted by the Chicagoland Compliance Association (CCA). Common HMDA reporting errors and challenges were discussed, as well as HMDA data integrity tips, transaction testing standards and tolerances, recent enforcement actions, and best practices to consider.


White Papers

Implementing an Effective Internal Audit Function

Is internal audit top of mind in your institution? A well established audit function should provide management and key stakeholders with ongoing assurance of the effectiveness of the company’s control environment and risk management processes. Learn how to establish an independent, effective internal audit function that promotes good corporate governance in Heidi Wier and Sara… Read more »


Past Speaking Engagements

2023 UBA Fall Compliance Conference

On November 1st, Monika McCarthy spoke at the Utah Bankers Association’s Fall Compliance Conference on Fair Lending and Redlining Developments impacting banks.


Past Speaking Engagements

Tri-State League of Financial Institutions – Flood Training

On October 27th, Sara McGinnis, CRCM, CAMS, CAFP conducted a training on flood insurance compliance for the Tri-State League of Financial Institutions. Other resources on flood insurance include an article authored by Sara on this topic, published in ABA Bank Compliance, and the ABA’s Reference Guide to Flood Compliance, First Edition.


Past Speaking Engagements

2023 Chicagoland Compliance Association Annual Conference

On October 5th, Liza Warner, Partner at CrossCheck Compliance LLC, and Karen Cullen, Senior VPs at Landmark Credit Union, lead a session at the 2023 Chicagoland Compliance Association Annual Conference. They covered key considerations for conducting compliance related investigations, analyzing complaints for further investigation, and monitoring social media for compliance issues.


Past Speaking Engagements

Central Florida Compliance Association 2023 Annual Conference

Ryan Addabbo presented at the Central Florida Compliance Association’s 2023 Annual Conference on the topic of Social Learning and the Department of Justice – lessons learned from recent fair lending enforcement actions. The presentation explored trends in recent DOJ fair lending actions, helping attendees compare their institution to the identified risk factors in these recent… Read more »


Past Speaking Engagements

MBA Webinar – Using Data Analysis as Part of a Strong Fair Lending Compliance Program

On October 24th, Heidi Wier and Ryan Addabbo participated in an MBA Education webinar titled Using Data Analysis as Part of a Strong Fair Lending Compliance Program. Other panelists were industry experts Tony Villarreal from Nations Lending, and Fedor Kamensky and Brian Serafin from Weiner Brodsky Kider PC. Accurate and consistent risk reporting helps board… Read more »


Past Speaking Engagements

Central Florida Compliance Association 2023 Annual Conference

Wendy McMillan spoke at the Central Florida Compliance Association 2023 Annual Conference on October 20th on the topic of High-Risk Customer Reviews. Customer risk-rating models are one of the primary tools available to financial institutions to detect money laundering. Wendy discussed regulatory expectations and best practices to consider when conducting high-risk customer reviews.


Courses and Guides

ABA 33rd Edition of the Reference Guide to Regulatory Compliance

The CrossCheck Compliance team was honored once again to collaborate with the ABA in authoring the 33rd edition of the Reference Guide to Regulatory Compliance. This Guide is updated annually and is the ideal resource for compliance managers, department staff, product managers, retail branch banking managers and anyone who is preparing to take the Certified… Read more »


Past Speaking Engagements

2023 MBA Compliance and Risk Management Conference – Compliance Conversations Track: Fair Lending – LEP

On September 10, Monika McCarthy co-moderated a panel on the topic of Fair Lending. Monika and Feder Kamensky, Partner at Weiner Brodsky Kider PC, discussed serving Limited English Proficiency (LEP) consumers and the when, what, and hows of disclosures, translation requirements, charging LEP borrowers for translation, and much more.


Past Speaking Engagements

2023 American Bar Association Business Law Section Fall Meeting

On September 8, Monika McCarthy moderated a panel – See Her, Hear Her: Historical Evolution, Advocacy, and the Path Ahead. This panel discussed the history of women in the legal profession, highlighted the importance of advocacy and activism for advancing the rights and opportunities of women in the field, and explored the future of the… Read more »


Past Speaking Engagements

2023 MBA Compliance and Risk Management Conference – Fraud Prevention Track: Strategies for Detecting and Preventing Fraud Panel

On Monday, September 11th, Mike Forester spoke on a panel on the topic of mortgage fraud. Through case studies and examples from real fraud reviews, industry practitioners recommended strategies to better detect, prevent, and manage suspicious activities. Attendees received tips on how to use QC and LOS reports to monitor fraud. They learned about emerging… Read more »


Articles

Utah Banker Magazine – Dodd-Frank Section 1071: Objects In Mirror Are Closer Than They Appear

In Issue 2 of Utah Banker, CrossCheck Compliance LLC Manager John Pace, CRCM authored an article titled Dodd-Frank Section 1071: Objects in Mirror Are Closer Than They Appear. This article explores the compliance impacts for financial institutions since the passage of Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, which requires… Read more »


Past Speaking Engagements

ChicagoLand Compliance Association (CCA) – Fair Lending and CRA Symposium 2023

On July 27th, 2023, Ryan Addabbo presented at the ChicagoLand Compliance Association on the topic of Fair Lending Analysis. This session covered fair lending analysis institutions should consider conducting to identify and mitigate risks.


Articles

Building a Strong Compliance Culture

A strong compliance culture creates a work environment where employees understand how and why they do what they do. It also helps banks and other organizations maintain the trust of customers and stakeholders and avoid regulatory, legal, and reputational risks. Heidi Wier authored a new article in the July/August issue of ABA Risk and Compliance,… Read more »


Articles

Understanding the Complexities of Enterprise Risk Management

In the inaugural issue of ABA Risk and Compliance, formerly known as ABA Bank Compliance, Sara McGinnis authored a new article, Understanding the Complexities of Enterprise Risk Management, A Guide for Compliance Professionals. This article reflects the industry transformation taking place as banks break down the silos between risk management and compliance functions due to… Read more »


Articles White Papers

Building Your Defenses: Compliance Management for First-Line Operations

Tracey Levandoski is the author of this new white paper, Building Your Defenses: Compliance Management for First-Line Operations. Many banks have moved to three lines of defense (3LOD) governance model, even if they are not yet required to because of their asset size ($50 billion or more). In the 3LOD model, the business lines (1LOD),… Read more »


Articles

We Are Change Leaders

With the release of regulations implementing Section 1071 of the Dodd-Frank Act, compliance officers are gearing up for this monumental change in the small business lending process. This updated article, We Are Change Leaders: Adapting and Advancing in the Evolving Financial Services Landscape, originally published in ABA Bank Compliance, details the compliance officer’s role in managing… Read more »


Past Speaking Engagements

How to Harness Your HMDA Data

On April 27th, 2023 Heidi Wier and Ryan Addabbo were presenters on a California MBA Mortgage Quality and Compliance Committee (MQAC) webinar about using HMDA data to benefit a lender’s business beyond customary performance analytics for compliance and regulatory risks. During this webinar, the attendees learned all the prospective opportunities with what you can do… Read more »


Courses and Guides

MBA Course – Managing Consumer Complaints for Compliance Professionals

If you are looking for more information about implementing a consumer complaint response process, there is a resource available through the MBA’s program. Managing Consumer Complaints for Compliance Professionals is part of the Certified Mortgage Compliance Professional (CMCP) Certification and Designation program, the only certification and designation program that is geared exclusively towards compliance professionals in… Read more »


Courses and Guides

MBA HMDA Courses Available – MBA’s CMCP Curriculum

CrossCheck Compliance is honored that its managing director, Heidi Wier, worked with the MBA on two HMDA related courses which are part of the MBA’s Certified Mortgage Compliance Professional Certificate and Designation (CMCP) program, HMDA Compliance Basics and Mastering HMDA Data for Compliance Professionals. We would also like to acknowledge Jenni Smith, Manager, for her work… Read more »


Articles

How Healthy is Your Fair Lending Program?

How prepared is your credit union for a fair lending examination? NCUA’s 2023 Supervisory Priorities make it clear that examiners will review policies and practices for steering or loan pricing discrimination risk factors. Examiners will also assess a credit union’s policies and practices related to residential real estate appraisals. Now is a good time to… Read more »


Past Speaking Engagements

Flood Insurance Webinar

On March 22nd, 2023 Sara McGinnis, CRCM, CAMS, CAFP, and Wendy McMillan, CIA, CRMA, presented a webinar on flood insurance compliance and a summary of the Interagency Flood Q&As for the Central Florida Compliance Association (CFCA). Other resources on flood insurance include an article authored by Sara on this topic, published in ABA Bank Compliance, and… Read more »


Courses and Guides

ABA Reference Guide to Flood Compliance – 1st Edition

CrossCheck Compliance would like to acknowledge our colleague, Sara McGinnis, CRCM, CAMS, CAFP for her work writing the American Bankers Association (ABA) Reference Guide to Flood Compliance, First Edition. Thank you to numerous industry bankers and ABA colleagues for their time and expertise in bringing this guide to completion. The 2022 ABA Flood Compliance Guide is… Read more »


Articles

ABA Bank Compliance – Closing the Gap

In the March/April issue of ABA Bank Compliance, Jim Jorgensen authored this article entitled Closing the Gap – Advancing the next Generation of Compliance Leaders. This is a topic of discussion in many organizations. How can you prepare the junior staff to be ready to take on the responsibilities expected by the board and senior… Read more »


Articles

ABA Bank Compliance – Buckle Up! Indirect Automotive Fair Lending Risks Ahead

In the January/February issue of ABA Bank Compliance, Liza Warner authored the article, Buckle Up! Indirect Automotive Fair Lending Risks Ahead. Both bank and non-bank lenders face regulatory scrutiny surrounding the indirect automotive lending sector. In the article, Liza discusses how to spot the red flags or risk indicators in this type of lending and… Read more »


Articles

Risk Management of Third-Party Relationships

In the Utah Banker Magazine, Tracey Levandoski authored an article entitled, Risk Management of Third-Party Relationships. Third-party risk management continues to be an increasing regulatory focus as indicated by the proposed Interagency Guidance on Third-Party Relationships: Risk Management. Understanding the details of sound risk management outlined in the proposed guidance and enhancing your third-party risk… Read more »


Past Speaking Engagements

California MBA – Legal Issues and Regulatory Compliance Conference 2022

CrossCheck Compliance was, once again, a sponsor of the California MBA’s Legal Issues and Regulatory Compliance Conference which took place in December 2022. This conference focused on the trends and hot issues in litigation & regulatory compliance for the residential lending community. The panels featured some of the nation’s leading industry experts including Todd Krell and Monika… Read more »


Articles

ABA Bank Compliance – The Final Flood Insurance Q&As Are Here!

In the November-December 2022 issue of ABA Bank Compliance, Sara McGinnis addresses the final flood insurance Q&As from the five federal regulatory agencies. Based on banker feedback and the most frequently asked questions from lenders on a wide spectrum of technical flood insurance-related compliance issues, the final Q&As replace those originally published by the agencies… Read more »


Past Speaking Engagements

MBA Webinar – Ensuring HMDA Data Integrity and Common Reporting Issues

On December 14th, 2022 Heidi Wier, Managing Director, participated on a panel with Diana Ringer, Master CMB, AMP, Chief Compliance Officer, Ruoff Mortgage; and Fedor Kamensky, Member, Weiner Brodsky Kider PC; which presented a webinar for the MBA on Ensuring HMDA Data Integrity and Common Reporting Issues. Implementing a strong, comprehensive HMDA compliance program will… Read more »


Past Speaking Engagements

American Financial Services Association (AFSA) 2022 Annual Meeting

AFSA held its 2022 annual meeting October 23-26 at The Breakers in Palm Beach, Florida. At the Operations and Regulatory Compliance Committee meeting, Mike Forester participated on a panel with Michael Gordon, Partner at Ballard Spahr LLP. They discussed Hot Topics in Auto Finance.


Past Speaking Engagements

Chicagoland Compliance Association Annual Conference 2022

The Chicagoland Compliance Association (CCA) held its Annual Conference on November 17th at Drury Lane, Oakbrook Terrace, IL. Sara McGinnis was one of the presenters. Her topic was Flood and new Interagency FAQs.


Past Speaking Engagements

Utah Bankers Association Compliance Conference – Fair Lending Presentation

The Utah Bankers Association (UBA) held its 2022 Compliance Conference October 25-27 in Park City, UT. On Thursday, October 27th, Monika McCarthy presented, Fair Lending Trends.


Past Speaking Engagements

Utah Bankers Association Compliance Conference – UDAAP Panel

The Utah Bankers Association (UBA) held its 2022 Compliance Conference – The Pulse of Compliance – October 25-27 in Park City, UT. On Wednesday, October 26th, Monika McCarthy moderated a UDAAP panel. The panelists included Robert Marx, VP Compliance, WebBank; Rich Friess, VP Compliance Officer, The Bank of Commerce; and Niki Christensen, Chief Compliance Officer,… Read more »


Past Speaking Engagements

Consumer Financial Services Conference

On October 20 and 21, The Conference on Consumer Finance Law (CCFL) holds their Consumer Financial Services Conference at the Renaissance Dallas in Plano, TX. On Day One, Monika McCarthy moderated a panel which included Daniel Johnson from CrossCheck Compliance LLC, L. Jean Noonan from Hudson Cook, LLP, Tricia de Leon, Holland & Knight LLP… Read more »


Past Speaking Engagements

MBA Regulatory Compliance Conference – RegTech Panel

Monika McCarthy was a panelist at the RegTech Track session, Surveying the Regulatory Landscape and Future of RegTech, during the MBA’s Regulatory Compliance Conference which took place September 18-20 in Washington, DC. This session highlighted a variety of challenges and how RegTech can help solve them and stay ahead of pending changes. The other panelists… Read more »


Courses and Guides

ABA 32nd Edition of the Reference Guide to Regulatory Compliance Now Available

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 (the Guide). The Guide is a comprehensive and detailed resource for compliance professionals and those preparing for the CRCM exam. It is now available for purchase on the ABA’s… Read more »


Past Speaking Engagements

Third-Party Relationships Presentation

On August 11, Tracey Levandoski, CRCM was a speaker at the National Association of Industrial Bankers (NAIB) and Utah Association of Financial Services (UAFS) convention in Park City, UT. Her presentation focused on Third-Party Relationships and include the following topics: Highlights of FIL-44-2008: Guidance for Managing Third-Party Risk, Summary of FIL-50-2021: Proposed Interagency Guidance on Third-Party… Read more »


Past Speaking Engagements

Effective Internal Audit Function – Beyond the Basics

On July 11, CrossCheck Compliance experts Heidi Wier, Managing Director, Sara McGinnis, Director and Wendy McMillan, Manager, presented the second part of the Effective Internal Audit Function webinar series for the Mortgage Bankers Association. Julie Humphrey, EVP, Internal Audit, Fay Servicing, was also a presenter and provided the lender perspective. Building on themes in part… Read more »


Articles

ABA Bank Compliance – Watch Out: TRID Errors

In this article, Jim Treacy explores the eight common TILA-RESPA Integrated Disclosure (TRID) Errors. These errors can increase the potential for fee tolerance violations so you will want to be sure not to make any or these errors. Loan origination systems can assist in identifying many TRID-related violations, but it is not foolproof. Policies and… Read more »


Announcements

CrossCheck Compliance LLC Added to DBRS Morningstar List

CrossCheck Compliance LLC announced that the firm has been reviewed by DBRS Morningstar and added to their list of acceptable third-party due-diligence firms for DBRS Morningstar-rated residential mortgage-backed security (RMBS) transactions.


Articles

ABA Bank Compliance Magazine – How to Conduct An Internal Compliance Investigation

In the May/June 2022 issue of ABA Bank Compliance Magazine, Liza Warner authored an article entitled: How to Conduct An Internal Compliance Investigation. A timely and methodical investigation will provide information that may help limit the institution’s regulatory and legal exposure. In the article, Liza addresses the Compliance Management System and your investigation process, considerations for… Read more »


Past Speaking Engagements

Central Florida Compliance Association Fair Lending Risks Webinar

On June 9, Liza Warner presented a webinar for the Central Florida Compliance Association (CFCA) on Fair Lending Risks in Originations, Servicing & Small Business. For more information about CFCA and/or this webinar please reach out to Mollie Sudhoff.


Past Speaking Engagements

Effective Internal Audit Function – Mortgage Bankers Association Webinar

On June 8th, Heidi Wier and Jim Treacy presented a webinar for the Mortgage Bankers Association (MBA). This webinar was part one of a two part series. The first webinar focused on the fundamentals of an effective internal audit function. The presenters explored the best practices for structuring an internal audit function as well as… Read more »


Past Speaking Engagements

Oklahoma Bankers Association – Fair Lending Presentation

On May 19, Daniel Johnson presented Trends in Fair Lending for the Oklahoma Bankers Association’s 2022 Convention. This session highlighted the key actions and activities important for each bank to have in place to ensure its teams are treating customers fairly and equitably. Daniel discussed key controls and monitoring over indirect automotive lending, mortgage servicing… Read more »


Past Speaking Engagements

Fair and Responsible Lending and Fair Servicing Panel for Chicagoland Compliance Association

On Friday May 6, Liza Warner was a presenter on the Fair and Responsible Lending and Fair Servicing Panel for the Chicagoland Compliance Association. This was a hybrid event with both in-person and virtual access. Fair lending encompasses the entire lending cycle including servicing. Liza discussed servicing activities that financial entities should be addressing within… Read more »


Courses and Guides

ABA 31st Edition of the Reference Guide to Regulatory Compliance

Do you know what’s current in compliance? The American Bankers Association’s (ABA’s) Reference Guide to Regulatory Compliance is an ideal resource for compliance professionals and those preparing for the Certified Regulatory Compliance (CRCM) exam. Our team of compliance experts worked closely with the ABA on updates to the 31st edition which include: Advisories on Predatory… Read more »


Past Speaking Engagements

Florida Bankers Association (FBA) Consumer Compliance Seminar

Sara McGinnis spoke at the 35th Annual Florida Bankers Association’s Consumer Compliance Seminar which ran from April 13 – April 15 in Orlando, Florida. Sara’s topic for the General Session on Friday, April 15 was “Beyond the Basics – Meeting Board and Regulatory Expectations for all Types of Audits”. FBA applied for 20 CRCM credits… Read more »


Past Speaking Engagements

Wisconsin Mortgage Bankers Association (WMBA)

On April 7, 2022, Heidi Wier spoke at the Fourth Annual WMBA Mortgage Bootcamp. She gave an overview of the mortgage regulations you need to know as a mortgage lender and the regulator impact on the lending environment.


Past Speaking Engagements

Avoid Fair Lending Pitfalls – California MBA Webinar

On March 24th, Daniel Johnson participated in a California MBA Mortgage Quality and Compliance Committee fair lending webinar. The webinar covered pricing exceptions, underwriting exceptions, and marketing. Along with Daniel, the speakers also included Marty Allred, Chief Compliance Officer, American Pacific Mortgage, and Paula Leber, VP of Compliance and Licensing, CMG Financial. The three panelists… Read more »


Articles

Highly Successful Compliance Officers – Going Beyond the Regulations

In the January/February issue of ABA Bank Compliance, Jim Jorgensen explores the skills that highly successful compliance officers (COs) need to develop. To address this issue, Jim spoke with several COs from community banks to large regional banks. They shared their insights about what skills they feel are most valuable for their roles and how… Read more »


Past Speaking Engagements

IBA Bank Counsel Conference

The Illinois Bankers (IBA) held its Bank Counsel Conference on December 3, 2021 in Chicago. Monika McCarthy and Justin C. Steffen, Esq., Partner, Barack Ferrazzano Financial Institutions Group co-presented a session entitled The Future of Digital Mortgages. They addressed how to choose the right partners with the right contractual provisions, balancing considerations such as data… Read more »


Past Speaking Engagements

Bank Counsel Roundtable – Fair Lending

On November 30th, Heidi Wier participated with Joseph T. Lynyak III, Partner, Dorsey & Whitney LLP, in the Bank Counsel Roundtable webinar – Fair Lending Under the Biden Administration: A Reboot or Something Different? The speakers reviewed important components of a fair lending program, including recommended approaches to review an institution’s fair lending policies and… Read more »


Past Speaking Engagements

Texas Mortgage Bankers Association Mortgage Symposium

The Texas Mortgage Bankers Association (TMBA) held its 4th Annual Mortgage Symposium on November 8th and 9th at the Renaissance Dallas at Plano Legacy West hotel. This year, the focus was on redefining company culture, including employee engagement and motivation, communicating change, training, and diversity & inclusion. Debbi Roberts was a facilitator for a discussion… Read more »


Past Speaking Engagements

Avoiding UDAAP Pitfalls

On Tuesday, October 26th Tracey Levandoski presented a webinar for the Suncoast Bankers Compliance Association (SBCA). The topic of this webinar was Avoiding UDAAP Pitfalls: Recognizing Risk in Marketing and Advertising. Attendees learned the UDAAP considerations related to the target audience, qualifying conditions, support for claims, testimonials, language and disclosures. This webinar also covered marketing’s… Read more »


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 »


Past Speaking Engagements

Georgia Bankers Association Compliance Conference

October 20 to October 22, the Georgia Bankers Association hosted its annual Compliance Conference at the King and Prince Beach & Golf Resort in St. Simons, GA. On October 21, Jim Treacy presented Online Account Opening Compliance. This event covered the full spectrum of compliance topics and provided participants the opportunity to network, share best… 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

Published in the September/October issue of ABA Bank Compliance, this article 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 »


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) 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

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 »