Consent Order & MRA Remediation
Independent validation testing, root cause analysis, and regulator-ready closure packages for institutions under FDIC, OCC, or Federal Reserve enforcement action.
Credible Remediation, Sustainable Closure
Receiving a consent order is one of the most consequential events in an institution’s history. The path out requires more than a project plan — it requires credibility with your regulators, root-cause discipline, and validation that stands up to 3rd-line scrutiny.
Our principal has led remediation across multiple enforcement actions, including multi-year programs for Top 10 U.S. banks. We build programs regulators trust.
- Independent 3rd-line validation testing
- Risk-based test script design and execution
- Root cause analysis tied to sustainable controls
- Closure package development and regulator liaison
- Board reporting and governance advisory
- Embedded leadership for multi-year programs
Engagements We’ve Led
Mid-Size Community Bank Remediation
Led FDIC consent order response with 20+ remediation initiatives across BSA, fraud, and compliance risk areas for a mid-size banking institution.
Top 10 U.S. Bank BSA/AML Rebuild
Multi-year consent order remediation for a Top 10 U.S. bank — BSA/AML program rebuild, transaction monitoring tuning, and regulatory relationship management.
Common Questions
How quickly can you start after we receive a consent order?
Typically within 2 weeks for scoped engagements. For embedded leadership roles, we align to your regulator’s deadlines and internal approval cycles.
Do you work directly with our regulator?
We support your regulatory relationship. Our principal has extensive experience as examiner liaison, but we never substitute for your BSA Officer or management team in official correspondence.
Can you serve banks outside North Carolina?
Yes. We serve banks and financial institutions nationwide. Our principal is based in Raleigh, NC, with engagements conducted both on-site and remotely.
How do you price consent order engagements?
Fixed-fee for scoped validation engagements; monthly retainer for embedded leadership; blended for multi-workstream remediation offices. Every engagement starts with a discovery call.
Ready to Build a Credible Remediation Plan?
Let’s discuss your enforcement action, assess the gaps, and define a path to closure.