They walked into our OCC examination with a complete evidentiary package — remediation timelines, policy attestations, and a written response to every finding from the prior cycle. The examiner closed three MRAs on the first day.

Chief Risk Officer — Regional Commercial Bank, $4.2B AUMOCC Examination · 2025
Est. 2009 · Washington, D.C.
Risk & Compliance Advisory

Every document
already tabbed,
indexed, and flagged.

We sit inside boardrooms when regulators come knocking — turning audit exposure into clean reports and defensible frameworks. Before the letter arrives.

340+Examinations Supported
97%MRA Closure Rate
16Years in Practice
Regulatory bodies & frameworks our practitioners navigate daily
OCC
Office of the Comptroller of the Currency
FDIC
Federal Deposit Insurance Corporation
FinCEN
Financial Crimes Enforcement Network
CFPB
Consumer Financial Protection Bureau
SEC
Securities and Exchange Commission
FFIEC
Federal Financial Institutions Examination Council
PCAOB
Public Company Accounting Oversight Board
NYDFS
New York Department of Financial Services
FRB
Federal Reserve Board
CFTC
Commodity Futures Trading Commission
OCC
Office of the Comptroller of the Currency
FDIC
Federal Deposit Insurance Corporation
FinCEN
Financial Crimes Enforcement Network
CFPB
Consumer Financial Protection Bureau
SEC
Securities and Exchange Commission
FFIEC
Federal Financial Institutions Examination Council
PCAOB
Public Company Accounting Oversight Board
NYDFS
New York Department of Financial Services
FRB
Federal Reserve Board
CFTC
Commodity Futures Trading Commission
BSA / AML

Anti-Money Laundering programs that hold under examination.

Examiners arrive knowing what to look for. We build the program documentation, risk assessments, and independent testing records that close findings before they become citations.

  • Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) policy redraft
  • Suspicious Activity Report (SAR) narrative review and quality testing
  • BSA Officer succession planning and board reporting templates
  • Lookback review project management and examiner liaison
  • FFIEC BSA/AML Examination Manual gap analysis

"We had eleven open BSA findings from the prior examination cycle. ComplianceSteel closed nine of them before the examiners arrived. The remaining two were downgraded to observations."

BSA Officer — Community Bank, $1.8B AUM · OCC Supervised
9/11
Findings Pre-Closed
14
Days to Full Remediation Package
Examination Outcome
No new Matters Requiring Attention issued. Examination concluded two days ahead of schedule. Formal Agreement threat withdrawn.
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"The material weakness disclosure was already drafted. ComplianceSteel rewrote the remediation narrative, documented three new compensating controls, and had everything to our external auditors by Thursday. We filed clean."

General Counsel — Insurance Carrier, NYSE-Listed
72h
Narrative Turnaround
3
Compensating Controls Documented
Filing Outcome
Material weakness disclosure avoided. Clean auditor opinion issued. No SEC comment letter received on ICFR disclosures.
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SOX Compliance

Section 404 narratives written for auditors, not accountants.

When your external auditor flags a material weakness three weeks before the 10-K filing, you need a remediation narrative that satisfies PCAOB standards and tells a coherent story to your audit committee.

  • Internal control over financial reporting (ICFR) documentation rebuild
  • Control deficiency root cause analysis and remediation roadmap
  • Management assessment narrative drafted to PCAOB AS 2201 standard
  • Audit committee presentation materials and board-level summary
  • Coordination with external auditors to align on remediation evidence
GDPR / CCPA / State Privacy

Privacy frameworks that survive regulatory inquiry and plaintiff discovery.

State privacy laws are fragmenting faster than compliance teams can track. We build the data mapping, processing inventories, and consent frameworks that hold under both regulatory examination and class action scrutiny.

  • Cross-state applicability analysis (CA, TX, VA, CO, CT, UT, MT, OR)
  • Data processing inventory and Records of Processing Activities (RoPA)
  • Vendor data processing agreement audit and remediation
  • Data subject rights fulfillment workflow design and testing
  • Privacy notice redraft aligned to current enforcement guidance

"We were scaling into six new states simultaneously. ComplianceSteel mapped our data flows, identified three vendors with non-compliant DPAs, and delivered a state-by-state compliance matrix before our product launch."

COO — Consumer Fintech, Series C · 1.2M Active Users
6
States Cleared in 21 Days
3
Non-Compliant Vendors Remediated
Launch Outcome
Multi-state rollout completed on schedule. No regulatory inquiries in the 12 months following launch. Privacy program rated "mature" in subsequent SOC 2 assessment.
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"We needed Money Transmitter Licenses in eleven states before our Series B close. ComplianceSteel filed eight applications in the first week, managed all examiner correspondence, and had seven approvals before our funding round."

CFO — Payments Infrastructure Company, Series B
8
Applications Filed in Week One
7
Approvals Before Funding Close
Licensing Outcome
Series B closed on schedule. No regulatory conditions attached to funding. Full 11-state MTL portfolio completed within 90 days of engagement.
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State Licensing

License portfolios built for the markets you're entering tomorrow.

Multi-state licensing is a sequencing problem. The wrong order costs 90 days and a product delay. We map the dependency chain, draft the application packages, and manage examiner correspondence so your legal team focuses on deals.

  • Money Transmitter License (MTL) application strategy and drafting
  • Consumer lending license matrix and priority sequencing
  • Surety bond procurement coordination across 50-state portfolio
  • Registered agent and resident director placement
  • Regulatory change monitoring and license renewal calendar management
Confidential Assessment

The first conversation
costs you nothing.
The next examination might.

A 30-minute call. No retainer required. We will tell you exactly where your program stands relative to current examination priorities — and what it would take to close the gaps.

What happens on the call
Current examination cycle priorities for your regulator
Specific program gaps based on your firm type and size
Realistic remediation timeline and resource estimate
Whether engagement makes sense — we will tell you honestly

Attorney-Client Privilege Available. Engagements can be structured under counsel to protect communications from regulatory discovery. Ask about our privileged assessment structure.

Step 1 of 2

Tell us about your firm.

Three questions. No personal information required at this stage.

Free Resource

Regulatory Readiness
Checklist — 2026 Edition

Twelve questions your examiner will ask. Know your answers before they do.

BSA/AMLIndependent BSA audit completed within the last 12 months
BSA/AMLCustomer Risk Rating model validated against current FFIEC guidance
BSA/AMLSAR narrative quality testing performed on last 90 days of filings
SOXAll ICFR control deficiencies from prior year formally remediated and re-tested
SOXManagement assessment documentation complete to AS 2201 standard
PrivacyData processing inventory current and reviewed within 6 months
12 items across 5 regulatory domains · PDF format
Instant Download

Get the full checklist.
No sales call required.

Enter your business email. The PDF will arrive immediately. We will send one follow-up email — if you want to talk, you will reach out.

Personal email domains not accepted. Business addresses only.

What's inside
BSA/AML program readiness (4 items)
SOX / ICFR documentation status (2 items)
State privacy law compliance (2 items)
Licensing portfolio health (2 items)
General examination preparedness (2 items)