Independent Banker - August 2018 - 18

PORTFOLIO
Ace your audit
Compliance
T
Experts offer their best tips for
maximizing your audit and compliance
examination results. By Mary Thorson Wright
he first-day letter for the bank's next compliance
examination or audit (collectively, examination) has
arrived. The compliance officer's heartbeat quickens with
anticipation, concern and doubt about the potential results.
Sound familiar?
Many community bankers obtain maximum results from
compliance exams because they recognize universal themes
that lead to positive outcomes. Not surprisingly, daily work,
organization, project management, communication and
professional business practices are essential.
An examination measures the effectiveness of the bank's
18 Q ICBA Independent Banker Q August 2018
compliance management system (CMS). The CMS is employed
in some manner every day, and, in that sense, exam preparation
also occurs each day, according to Jim Bedsole, senior vice
president and chief compliance and risk officer for BankSouth,
a $586 million-asset bank in Greensboro, Ga.
" The examination is an open-book test! " offers Bedsole.
" The manuals are online, and they can be used as a roadmap
to help check on the compliance impact ongoing. Work you
do each day determines the ultimate outcome. "
When the first-day letter arrives, it is too late to identify and
address issues that have become embedded over a 12-month
period or longer.
Barbara Boccia, senior director, advisory services and
regulatory relations, compliance solutions at Wolters Kluwer,
agrees with Bedsole. " Keep policies and procedures up to

Independent Banker - August 2018

Table of Contents for the Digital Edition of Independent Banker - August 2018

Table of Contents
Independent Banker - August 2018 - Intro
Independent Banker - August 2018 - Cover1
Independent Banker - August 2018 - Cover2
Independent Banker - August 2018 - Table of Contents
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Independent Banker - August 2018 - Cover3
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