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Our principals
have long experience as financial institution
regulators, as advocates and consultants for
financial services companies, and as executives of financial
institutions. We know how your regulators think.
We know how to deliver the thought leadership you would
expect from one of the Big Four. We also know what you
would expect and demand as a financial services
executive.
 
Regulatory
advisory services, including Patriot Act and anti-money
laundering
- Regulators will insist that you have sound
programs for anti-money laundering, Patriot Act
compliance, affiliate transactions, privacy, and
other subjects of current interest. Our
principals have worked for numerous institutions, advising
on these matters.
- You will
also need sound Community Reinvestment Act and consumer
protection compliance. We can help with reviews,
policies, procedures and training.
- If you are entering a new
line of business, including trust services, we can help
with the application to your federal regulator and with
establishing the new business after regulatory
approval. Our principals have guided several major
brokerage firms and insurance companies to successful
establishment of their businesses as federally regulated
enterprises.
- If you have private
banking operations or transactions from overseas locations,
your policies and procedures will have special regulatory
scrutiny. We can help with solid regulatory advice on
customer identification procedures, recordkeeping, portfolio
management and overall internal controls.
Risk
management, internal controls and corporate
governance
Today's
environment demands that financial services firms have active
and vigorous internal controls. Internal audit,
risk management, compliance, legal and other control oriented
units all must work together to assure and effective
organization.
- Through a
suggestion in an examination report or through more formal
communication, your regulators may demand an independent
review of internal controls. We have advised many
institutions and have served as members of the internal
control teams, we know what's required and what will
work.
- Your
Audit Committee may require independent expert
assistance. We're familiar with the requirements and
with audit committees.
If your
Board is drowning in information or Senior Management is
spending all its time in meetings or the staff lacks
information to work efficiently, your regulators will
notice. We can do the review that the regulators may
want.
Forensic
expertise 
We serve
as experts and we obtain experts to assist attorneys in
complex litigation when the questions concern financial
services firms, their activities, regulation and powers.
International expansion into and out of the
U.S.
- Our
principals have advised foreign governments on banking and
bank regulatory matters, including anti-money
laundering.
- With
our European Community experience, we can assist U.S. banks
with the establishment of offices in Europe.
- We
have advised foreign banks on their establishing and
maintaining a U.S. presence.
Comprehensive
credit card expertise
We have
established a deep history with credit cards and the companies
that issue them.
We have advised
on:
- New
charters,
- Securitizations,
- Credit
standards,
- Portfolio
acquisitions,and
- Operations.
With
direct management experience in the industry and experience as
regulators, we are uniquely positioned to help.
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