ICS - De Novo Bank Services - Integrated Compliance Solutions

ICS meets the needs of de novo banks through a variety of customized services. These services include special pre-opening assistance as well as ongoing administration of the compliance function on an outsourced basis to ensure a strong compliance posture in the early, formative stages of growth.

•	Pre-Opening
	–	During this formative stage, it is important to lay a solid foundation for an effective on-going compliance program.

•	Compliance Administration
	–	ICS provides a full-service compliance solution for hundreds of institutions. Much like the responsibilities of a compliance officer, ICS provides a bank with the necessary tools and resources to effectively outsource the administration of their compliance program.

•	Compliance Risk Assessment
	–	An effective compliance program starts with an evaluation of the compliance risks specific to a bank's operations and structure.

•	Bank Secrecy Act / Anti-Money Laundering
	–	ICS has an experienced team that assists with all aspects of BSA/AML. With subject matters specialists, well versed in current regulatory issues related to BSA/AML, ICS helps institutions ensure an effective compliance posture is maintained in this challenging area.
•		Identity Theft Prevention Risk Assessment & Program (FACT Act Red Flags & Address Discrepancies)
	–	In conformance with the red flag risks identified under the FACT Act, ICS will evaluate a bank's identity theft risks and prepare an Identity Theft Prevention Program.

•	CRA/Fair Lending
	–	CRA is an important consideration in any regulatory application, including mergers, acquisitions and new branches. ICS assists with all aspects of CRA as well as Fair Lending issues impacting financial institutions of all types.

•	Compliance Consulting
	–	ICS can meet any compliance need through a broad range of consulting services, tailored to the objectives of each client.

•	Compliance Training
	–	ICS provides comprehensive training solutions for banks of all sizes. ICS works with clients to plan comprehensive training programs covering all regulatory issues. ICS will coordinate a combination of on-site training, webinars, and computer-based training designed to fit the specific needs of each bank.

•	Technology Compliance
	–	Technology is woven into every aspect of a financial institution's operations – including compliance. ICS has information technology professionals who can assist clients with managing technology-related compliance issues.

•	Corporate Governance
	–	Much like a corporate compliance officer, ICS can provide all the tools and resources needed to effectively manage a corporate governance compliance program.