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    Audit Due Diligence Package

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    The document provides information about EM Risk Management Services, which offers compliance auditing services specialized for community banks. Their approach involves both onsite and offsite assessments to reduce costs. They start every audit with a risk assessment and focus highest resources on highest risk areas. Specialists work as a team to ensure highest compliance. They also represent banks in regulatory meetings and train staff. The company has over 100 years of auditing experience focused on key compliance areas for community banks.

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    Audit Due Diligence Package

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    api-285461030
    362 views3 pages
    The document provides information about EM Risk Management Services, which offers compliance auditing services specialized for community banks. Their approach involves both onsite and offsite assessments to reduce costs. They start every audit with a risk assessment and focus highest resources on highest risk areas. Specialists work as a team to ensure highest compliance. They also represent banks in regulatory meetings and train staff. The company has over 100 years of auditing experience focused on key compliance areas for community banks.

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    The document provides information about EM Risk Management Services, which offers compliance auditing services specialized for community banks. Their approach involves both onsite and offsite assessments to reduce costs. They start every audit with a risk assessment and focus highest resources on highest risk areas. Specialists work as a team to ensure highest compliance. They also represent banks in regulatory meetings and train staff. The company has over 100 years of auditing experience focused on key compliance areas for community banks.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    362 views3 pages

    Audit Due Diligence Package

    Uploaded by

    api-285461030
    The document provides information about EM Risk Management Services, which offers compliance auditing services specialized for community banks. Their approach involves both onsite and offsite assessments to reduce costs. They start every audit with a risk assessment and focus highest resources on highest risk areas. Specialists work as a team to ensure highest compliance. They also represent banks in regulatory meetings and train staff. The company has over 100 years of auditing experience focused on key compliance areas for community banks.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 3

    AUDIT DUE

    DILIGENCE PACKAGE

    OUR APPROACH

    Our approach includes both onsite


    and offsite assessment work, which
    reduces your overall cost of delivery. We start every audit with a risk
    assessment, then focus our highest
    and best resources on the areas of
    greatest risk in your bank. Our specialists in the different areas of audit
    work together as a team to ensure
    the highest possible compliance
    standards.
    Utilizing our existing relationships
    with state and federal regulators, we
    are able to represent your organization in audit and compliance meetings, as well as train your existing
    staff in areas where they might need
    additional assistance.

    ABOUT US

    EM Risk Management Services, a subsidiary


    of Virtual Compliance Management, provides
    a full range of compliance auditing. EM Risk
    Management Services staff boasts more
    than 100 years of auditing experience with
    a focus in the most critical areas with which
    community banks often struggle:
    Lending Compliance

    BSA/AML

    Operations
    Compliance

    Credit Review

    Fair Lending
    Community
    Reinvestment Act

    IRR
    Specialized audits

    Because we specialize in providing audit


    services to community banks, your Board
    and executive team will know that the banks
    audit meets all standards of the state and
    federal regulators under which it operates.

    OUR TEAM

    James DeFrantz, CRCM, CAMS, J.D.


    James DeFrantz is a consumer and real estate lending compliance specialist with
    more than 30 years of experience in the financial service regulatory industry. He
    has served as a senior compliance examiner at the Federal Reserve Bank in San
    Francisco and has spent time as an analytical manager at the Office of Thrift
    Supervision as well as a commissioned national bank examiner at the Office of the
    Comptroller of the Currency. Mr. DeFrantz has a certificate from the Pacific Coast
    Banking School of Bank Management, a Juris Doctor from the University of San
    Francisco with a concentration in banking and finance, and a BA from Dartmouth
    College.
    John A. Lawson, CIA, CISA
    John is a Certified Senior Manager with extensive experience in the financial
    services industry including Commercial Banking, Mortgage Banking, Credit
    Unions, and Specialized Financial services companies in leasing, asset based
    financing and insurance services. Proven manager in the following areas: regulatory
    compliance, internal control risk assessment, internal audit, organizational policy
    development, and business resumption planning. Hands-on experience with GLBA,
    Sarbanes-Oxley (SOX 302 and 404), HMDA and enterprise risk assessments and
    documentation.
    David Scott, CPA CIA, CFE
    David is an experience Senior Risk Manager with experience in the financial services
    industry including Commercial Banking and Investment Management. David has
    extensive experience in the area of auditing financial institutions. He has lead audit
    teams in the areas of regulatory compliance, internal control risk assessment,
    internal audit, organizational policy development, and business resumption planning.
    In addition, David has performed audits in the areas of GLBA, Sarbanes-Oxley (SOX
    302 and 404). David has experience in both private industry and as an auditor.

    A PARTIAL LIST

    OF CLIENTS ASSISTED

    BY VCM CONSULTANTS

    1st Capital Bank

    First Community Bank

    Pinnacle Bank

    1st Enterprise Bank

    First National Bank of Northern California

    Plumas Bank

    American Perspective Bank

    First Northern Bank

    Redding Bank of Commerce

    American Riviera Bank

    First Republic Bank

    Redwood Capital Bank

    Avidbank

    Focus Business Bank

    River Valley Community Bank

    Bank of Agriculture & Commerce Santa

    Folsom Lake Bank

    Saehan Bank

    Cruz County Bank

    Founders Community Bank

    Santa Cruz County Bank

    Bank of Guam Savings

    Fresno First Bank

    Savings Bank of Mendocino

    Bank of Mendocino

    Golden Pacific Bancorp

    Security Bank of California

    Bank of Hawaii

    Golden Valley Bank

    Sierra Vista Bank

    Bank of California

    Hawaii National Bank

    Summit Bank

    Bank of Marin

    Heritage Commerce Corp

    Suncrest Bank

    Bank of Napa

    Lighthouse Bank

    Sutter Community Bank

    Bank of Rio Vista

    Luther Burbank Savings

    Tri-Counties Bank

    Bank of San Francisco

    Meadows Bank

    Tri-Valley Bank

    Bank of Santa Barbara

    Metropolitan Bank

    United American Bank

    Bank of Stockton

    Mission Bank

    United Labor Bank

    Bank of the Orient

    Mission Community Bank

    United Security Bank

    Bridge Bank, N.A.

    Montecito Bank & Trust

    Bank Uniti Bank

    California Bank ofCommunity

    New Resource Bank

    Valley Business Bank

    1st Bank Community

    Oak Valley Community Bank

    Valley Community Bank

    Bank of San Joaquin

    Ohana Pacific Bank

    Valley Community Bank

    Community Business Bank

    Pacific Commerce Bank

    Valley Republic Bank

    Finance and Thrift

    Pacific Valley Bank

    Wilshire State Bank

    First California Bank

    Pan Pacific Bank

    22568 Mission Boulevard, Suite 526, Hayward, CA 94541


    www.vcm4you.com / Direct (510) 862-2874 / Office (510) 583-0124

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