IT'S OKAY... We HAVE Your Back!
You sweat the regulatory changes, the day-to-day questions that keep you up at night wondering if you missed anything for the compliance exams.
We get it, because we know what it’s like to face that regulatory exam alone – without a knowledgeable guide, without someone to help identify potential risks. You are the reason Miller & Cherry Regulatory Consulting exists.
The Partnership
As seasoned regulatory experts, we are dependable partners who walk with you, providing personalized service, unparalleled integrity, and timely responses and reports, all designed to prepare your community bank or credit union for a successful exam. You will be kept current with changing regulatory requirements, be provided training and assistance in answering audit questions, and have the confidence that comes from the assurance that we’ll be with you every step of the way.
Working with us is simple:
- Tell us your needs
- Engagement of services
- Scheduling of work
- Request list sent two months prior to audit
- Off-site and on-site work
- Reports generally back to you within 7-10 working days
I always enjoy our audits with Miller & Cherry. Both are knowledgeable and quick to respond to questions. The audits are thorough, and they provide samples to assist with recommendations. I highly recommend Miller & Cherry.
Nationwide Services:
- Bank Secrecy Act audits
- Fair lending audits
- Compliance reviews
- Red Flags and Identity Theft reviews
- SAFE Act audits; HMDA reviews
- Flood Insurance reviews
- CRA reviews
- Compliance training
- Develop or assistance in developing policies and procedures for compliance
- Regulatory Required Look-Backs
GET STARTED NOW
We provide assistance in responding to examiner request lists to prepare for an exam; assist in resolving enforcement action in BSA and any Compliance area including conducting BSA look-back reviews, HMDA reviews, flood insurance reviews, fair lending reviews and issues, and compliance reviews and issues. We have staff that can assist on-site or off-site.
We have experience conducting Look Back for BSA concerning potential SARs. We conduct independent testing (Validation Testing) of the validity of Interdict BSA Software, either stand alone or in conjunction with BSA Audits.
about uS
Roger Miller
Roger retired from the FDIC with 26 years experience as a bank examiner (safety and soundness and compliance) and he has 26 years experience as a Compliance Consultant for banks.
Paula Cherry
Paula Cherry has a total of 35 years in the banking industry. She has served in the capacity of Director of Risk, Sr. Compliance Officer, and BSA Officer. Paula has 15 years of experience in her current capacity as a Compliance Consultant and Auditor. She holds the CRCM designation.
Miller and Cherry Regulatory Consulting Services has over 30 bank clients in Louisiana, Montana, Kentucky, and Tennessee that are regulated by the FDIC, FRB, and OCC. We have added Data and Program Validation (Integrity Testing) of BSA Software for banks using software such as BAM, FiServ BSA/AML Risk Manager, YellowHammer, and Patriot Officer and others, that is now being required by examiners. We have conducted BSA Look Backs to determine if SARs appear to be needed, required or recommended by Regulators.
As our clients, you can expect timely e-mail and telephone response with support in resolving any compliance issues and to assist with polices and procedures.
Miller & Cherry is prepared to help you with all your compliance needs. We value building reliable partnerships with our clients. Contact us today to discuss your tailored menu of compliance services.
It is truly a pleasure working with Miller and Cherry Regulatory Consulting Service. We have partnered with Miller and Cherry since 2012 and it has been a perfect fit for our community bank. Roger Miller and Paula Cherry are very knowledgeable, assessable, and extremely interested in the welfare of our compliance program. They take a personal interest in our success and are eager in sharing their knowledge in this ever-changing compliance and regulatory environment. No question or concern is too big or too small and are always very timely when posing them with a question or concern. Their mentorship is second to none and I highly recommend utilizing the services offered by Miller and Cherry, they will not disappoint.