Explore how ADI compliance consultants have helped financial organizations meet their Fair Lending, BSA/AML, HMDA and CRA compliance goals.

Aligning Fair Lending Testing with Why Consumers Withdraw their Mortgage Applications

Banks and non-depository mortgage companies engage ADI to evaluate Fair Lending risk relative to consumer outcomes from their underwriting activities. We endeavor to align our solutions with the reasons consumers withdraw prior to an approval/denial decision based on the merits.   In the past several years, the proportion of non-approved HMDA-reported applications that were denied based on review of an applicant’s credit […]

Optimizing a Community Bank’s AML Alert Monitoring System

ADI was engaged by a community bank client to help refine its AML transaction monitoring system, with the goal of improving effectiveness and efficiency in generating alerts of suspicious activity. ADI executed a multi-phase analysis plan to develop, test and implement changes to the system that enhanced the performance of the AML monitoring system, satisfying […]

Redesigning a Bank’s BSA/AML Customer Risk Scoring Model and Enhanced Due Diligence Strategy

ADI was engaged by a community bank to overhaul its BSA/AML customer risk-scoring model and provide tools so that it could more effectively manage its Enhanced Due Diligence (EDD) program for high-risk customers. Assessing the Challenge BSA/AML risk is dynamic and must be continuously managed. It is critical that risk ratings accurately reflect current risks, […]

Helping a National Lender Scrub for a HMDA Resubmission

ADI assists a mortgage lender with a national presence complete a full scrub of its LARs for resubmission within a tight timeframe.

Process Improvement With ADI Data ConnectSM

ADI leverages its BI tool Data Connect to transform a time-consuming, all-day process into an automated task with less than 10 minutes of effort.

Determining Realizable Opportunity to Improve CRA Performance

During a CRA consulting engagement, a need arose that required the identification of census tracts. ADI taps into its BI tool Data Connect to identify real geographic areas of opportunity.

Enhancing a Fair Lending Risk Assessment With BISG

ADI compliance consultants innovate to overcome the challenge of missing ethnicity and race data in a Fair Lending risk assessment. Assessing the Challenge Through the course of a Fair Lending risk analysis, ADI identified an issue with the client’s data that potentially affected the calculation of regression models to assess risk. ADI’s client, a high […]

Evaluating the CRA Performance of a Midwestern Mortgage Lender

ADI helps a mortgage lender assess its CRA lending performance in the Midwest. Assessing the Challenge A large bank headquartered in the Midwest engaged ADI to evaluate its CRA lending performance in both its full- and limited-scope assessment areas. In a previous CRA performance evaluation, the bank received an overall CRA rating of Satisfactory, but with a […]