Cadre’s team of Risk Management and Compliance professionals have produced effective short and long-term results for organizations facing regulatory pressure and long-term value by streamlining and improving the effectiveness of audit, credit review, Bank Secrecy Act, Information Security and other risk management and compliance processes to maximize their value These case histories from real-life clients demonstrate how Cadre’s consultants help convert regulatory burden into bottom-line profit.

​

Enterprise Risk Assessment and Planning

Assisted $400 million commercial bank operating under regulatory enforcement action

• Prepared comprehensive assessment of management and organizational structure

• Developed risk management organization structure, committees and position descriptions

Assisted $2.2 billion commercial bank with risk management

• Prepared enterprise-wide risk assessment

• Developed risk management organization structure, committees and position descriptions

• Prepared risk management policies

• Developed key risk indicator reporting systems

​

Bank Secrecy Act / Anti-Money Laundering Review

Developed BSA/AML and OFAC risk assessments for $10 billion commercial bank

• Developed product, service and customer risk assessments

• Revised AML policies and procedures

• Selected Activity Monitoring Software

• Reorganized  BSA / AML compliance organization

​

Regulatory Compliance Order Management

Worked with $2 billion organization subject to potential enforcement action

• Completed comprehensive compliance review

• Developed compliance, BSA and information security assessments

• Developed / revised compliance policies and procedures

Assisted $400 million commercial bank in complying with regulatory enforcement action

• Prepared comprehensive assessment of management and organizational structure

• Developed management succession plan

​

GLBA / Information Security Risk Assessment

Partnered with a $1.1 billion multi-bank holding company operating under enforcement action

• Completed information technology and information security risk assessments

• Developed related policies and procedures

• Tested efficacy of information security and intrusion detection systems

​

Commercial Real Estate Portfolio Review

Assisted $1.2 billion commercial bank in evaluating credit quality

• Evaluated credit quality, compliance and documentation of commercial loan portfolio

• Evaluated quality of acquired loan portfolio

• Evaluated quality of small business and consumer loans originated through credit scoring program

Assisted $2 billion commercial bank to comply with  regulatory enforcement action

• Assessed overall credit risk environment

• Reviewed loan documentation and exception follow-up systems

• Evaluated and revised Lending Policies

• Developed compliant ALLL methodology

​

Sarbanes-Oxley 404 Risk Assessment

Assisted $6 billion commercial bank with SOX 404 compliance

• Prepared financial statement and business process mapping

• Documented risks and controls

• Tested control effectiveness of business process and IT controls

Assisted $60 billion commercial bank with SOX 404 compliance

• Prepared COBIT-based IT risk assessments for Bank and Mortgage Company subsidiary

• Prepared risk and control assessments of key business processes

​

Business Continuity Planning

Assisted $1.2 billion commercial bank

• Prepared threat assessments and business impact analyses

• Developed business unit and recovery team plans

• Prepared test plans and facilitated management planning exercise (i.e., tabletop test)

​

Internal Audit

Assisted $1.6 billion commercial bank with Internal Audit

• Prepared Internal Audit risk assessment, schedule and Audit Committee reporting

• Evaluated Internal Audit organization,
  staffing and compensation

• Completed FDICIA Risk Assessment