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Banks and Credit Unions

CCA assists financial institution directors, executives, risk managers and lending professionals in protecting and recovering their assets, improving internal control, enhancing risk management effectiveness, and providing independent BSA Look Back Reviews as ordered by a regulatory agency.

CCA’s clients receive personal attention from seasoned banking professionals. Members of our team have served on the audit, strategic planning, ALCO, loan and executive committees of publicly-traded and privately-held bank boards. They have co-founded banks and served as principals in banking industry-focused private equity funds. Additionally, CCA team members have expertise in commercial lending, CRA, community bank management, and small business banking. They have served as consultants to community bank boards and executives in the areas of strategic planning, asset/liability management, branch feasibility studies, regulatory consulting, BSA Look Back Reviews, BSA enhanced due diligence investigations, capital planning, bank valuations, and mergers/acquisitions. Our staff includes a former FBI Special Agent who is a Certified Anti-Money Laundering Specialist and licensed Private Investigator, a former SEC compliance examiner, and a former financial manager who designed and implemented internal accounting control systems for Fortune 500 companies.

CCA’s deep experience in forensic investigations, operational and risk assessments, and business valuation, coupled with our industry-leading fraud investigation and deterrence practice and has enables us to serve over 50 banks, credit unions and other financial institutions in the past 5 years. 

Financial Institution Services:

  • Asset Searches
    • On guarantors of both “legacy” and “covered loan” workouts
  • Lending Diligence
    • Background investigations, borrowing base verifications, internal control assessments
    • Quality of earnings studies, advising on forbearance agreements
  • Business Valuations
    • Acquisition-purpose SBA loan guarantees
    • Trust department/wealth management/ESOP/fiduciary-related needs
    • Enterprise valuation for recent regulatory guidance on leveraged lending
  • Fraud and Forensic Investigations
    • Internal and external fraud matters
    • Forensic investigations supporting fidelity bond claims
    • Forensic audits and internal control assessments
  • BSA/AML Matters
    • BSA Look Back Reviews
    • BSA enhanced due diligence investigations
    • Bank Secrecy Act/Anti-Money Laundering investigations
    • SAR filings and program improvements
  • Litigation Support and Expert Witness Services
    • Investigations and expert witness testimony in conjunction with matters handled by bank’s general or outside counsel
    • Lending matters and disputes
    • Damages determination
    • Litigation support and investigations for the FDIC and other regulators
  • Enterprise-wide Risk Management (ERM)
    • ERM program development, evaluation and enhancement
    • Best Practice ERM framework for community banks
    • Risk appetite statements, risk committee charters and ERM policy
    • Operational and risk assessments (including for IT)
    • Risk evaluation for new products, lines of business, specialty lending or acquisitions
  • Cyber Security
  • Strategic partnership with Ridge Schmidt Cyber LLC, a cyber security consulting firm founded by Gov. Tom Ridge and Howard Schmidt