Governance, Risk and Compliance Management Services
Crowe Horwath LLP

Crowe Horwath LLP helps organizations develop mature risk management capabilities.  With a thorough understanding of the banking industry's changing regulations and rising stakeholder expectations, the professionals at Crowe help prepare financial institutions to intelligently manage business risks to enhance financial performance and build a competitive advantage.  The endorsed services include:

Credit Review Services  

• Outsourcing of the credit review function
• Managing commercial real estate concentrations
• Credit administration process reviews
• Allowance for loan and lease loss support and methodology
• Acquisition due diligence

Corporate Governance / Internal Audit Services

Crowe's internal audit and corporate governance services are designed to assist banks assess and identify risk, gauge business performance, strengthen governance and enhance compliance with internal control policies and procedures.  Services include:

• Internal audit co-sourcing or outsourcing
• Sarbanes-Oxley procedures (design, documentation, and testing)
• FDICIA / AT501 design and testing
• Audit committee assessment and training
• Enterprise risk management consulting
• Corporate governance
• Quality assessment review 

Enterprise Risk Management (ERM) Consulting Services

• ERM implementation
• Enterprise risk assessments
• Identification of risk remediation processes
• Evaluation of the adequacy and implementation of risk responses

Information Technology Audit Services

Crowe's Technology Risk personnel provide leadership through an integrated IT audit approach. The approach considers the most current areas of regulatory compliance, such as multifactor authentication and identity theft red flags. Services include:

• IT audit co-sourcing or outsourcing
• SOX 404 IT procedures (design, implementation, and testing)
• Multifactor authentication risk assessment and solution support
• Business continuity planning / business resumption
• Disaster recovery
• Gramm-Leach-Bliley Act 501 (b) and Payment Card Industry (PCI) assessments

BSA / AML Compliance

• Independent BSA audit
•  Regulatory exam preparation and management
• Enforcement action remediation
• Forensic / third party look-backs
• AML / BSA program development
• Customer and enhanced due dligence (CDD / EDD)
• Customer risk rating and Know Your Customer
• Software selection, implementation, optimization, and validation

Compliance Improvement Services

• Regulatory compliance risk assessments
• Consumer compliance
• Enterprise-wide compliance risk management

MARKET PROFILE

Crowe offers risk management services for financial institutions of all sizes, tailoring the solutions based on the needs of individual banks.  Crowe services clients ranging from de novo banks to large multibillion-dollar holding companies.

PROGRAM BENEFITS

·      Crowe's proprietary methodologies help each organization zero in on specific risks with the greatest likelihood and largest impact.

·      Documentation for greater confidence.  Crowe includes documentation of risk management processes to increase the confidence of regulators, shareholders, and additional stakeholders.

·      Efficient planning to control costs.  Crowe's proprietary enterprise-risk framework helps financial institutions avoid fragmentation and improve coordination; thereby enhancing results while controlling the rising costs of compliance and risk management.

·      Crowe's thought leadership helps financial institutions see risk management as a vital component to reduce the cost of capital, strengthen governance, and improve shareholder value.

BACKGROUND

Crowe Horwath LLP is a leading provider of public accounting and consulting services. Crowe's full range of services — including assurance, risk consulting, tax, performance improvement, anti-money laundering (AML), financial advisory, and a wide range of consulting services — are in high demand.  Crowe has more than 40 years of experience advising financial institutions.

• They have served financial institutions in all 50 United States and Puerto Rico.
• Of Crowe's 2,200 professionals, more than 400 are dedicated 100 percent to meeting the needs of financial institutions.
  

PROGRAM CONTACTS

Crowe Horwath LLP

One Mid America Plaza, Suite 700

Oak Brook Terrace, IL 60181

Web site: www.crowechizek.com

Contact: Dennis Hild    Tel: (866) 390-5451

E-mail: dhild@crowechizek.com

Fax: (630) 574-1608

CAB CONTACTS

Robin Gordon   (202) 663-5128
Steve Polestak; (202) 663-5577