Independent. Rigorous. Built for Regulated Institutions
Independent Internal Audit & Compliance Specialists
Trusted by institutions that want rigor without friction.AuditOne Executive Briefs
New Federal Lending Guidance: Immediate Audit Implications
New interagency guidance from the OCC, FDIC, and NCUA sharpens supervisory expectations for lending to individuals not legally authorized to work in the United States, and it takes effect immediately. The guidance does not prohibit such lending, but it raises the bar on underwriting, income verification, portfolio risk, and fair lending compliance. Here is what audit teams need to evaluate now.
CRA Modernization Was Rescinded. The Audit Gap It Exposed Was Not.
Regulators abandoned the 2023 CRA modernization rule, but the preparation exposed longstanding governance, data, and oversight weaknesses that remain subject to examiner scrutiny. Institutions and their internal audit functions should revisit CRA now to confirm that two years of uncertainty did not create blind spots in an ongoing program.
The CFPB Stepped Back on UDAAP. State Regulators and Private Plaintiffs Did Not.
The federal footprint has narrowed. The enforcement surface has not. Institutions that repriced consumer products in 2024 and 2025 without refreshing their Unfair , Deceptive, and Abusive Acts or Practices) (UDAAP) audit coverage are the ones whose next examination will find the gap.
Specialized Internal Audit Expertise Across Regulated Industries
Solutions Built for Regulatory Expectations and Real-World Operations
Financial Crime & Compliance
Programs, controls, and testing to strengthen financial crime prevention and regulatory compliance. Includes: - BSA/AML Independent Testing - AML Model Validations - Sanctions & OFAC - Fraud Risk Assessments - Compliance Audits - Regulatory Remediation - Compliance Risk Frameworks
Regulatory & Risk Management
Independent audits and advisory services supporting regulatory compliance and risk oversight. Includes: - Enterprise Risk Assessments - Risk Program Evaluations - Governance Frameworks - Policy & Control Design - Regulatory Readiness - Risk Appetite Advisory
Technology & Cyber Risk
Independent assessments of IT, cybersecurity, and technology-related risk and controls. Includes: - IT Audits & IT General Controls - Cybersecurity Assessments - Penetration Testing - Third-party Technology Risk - Cloud & Infrastructure Controls - Digital & Social Media Risk - Incident Response Readiness
Credit & Lending Risk
Independent audits covering credit risk management, lending operations, and loan portfolios. Includes: - Loan Review - Portfolio Analysis - Underwriting Controls - Credit Governance - CECL-related Controls - Problem Loan Analysis - Credit Process Advisory
Operations & Deposit Services
Independent reviews of operational processes, branch activities, and deposit-related controls. Includes: - Deposit Operations - ACH & Wire Controls - Treasury Operations - Branch Operations - Operational Risk Reviews - Process Optimization
Digital Banking & Payments
RIsk and Control support for digital channels, payment systems, and fintech integrations. Includes: - NACHA-Required ACH Audits - Online & Mobile Banking - Wire Transfer Controls - Fintech Integrations - Sponsor Bank Programs - Payment Processors & Authentication
Finance & Internal Controls
Independent audits evaluating financial reporting, internal controls, and control effectiveness. Includes: - Internal Controls & ICFR - Accounting Processes - Financial Reporting Controls - Reconciliation Reviews - SOX Readiness - Expense Management Controls - Finance Advisory
Fintech & Third Party Oversight
Independent audits evaluating financial reporting, internal controls, and control effectiveness. Includes: - Internal Controls & ICFR - Accounting Processes - Financial Reporting Controls - Reconciliation Reviews - SOX Readiness - Finance Advisory
Risk & Compliance Advisory
Practice guidance to help institutions strengthen programs, remediate for growth, and navigate regulatory expectations with confidence. Includes: - Program Development - Remediation Support - Risk Assessments - Control Design - Regulatory Readiness - Governance Enhancements
A Better Client Experience Without Sacrificing Rigor
Deep Domain Expertise in Financial Institutions
Teams who understand exam language, governance, and what “good” looks like.
Audit Coordinators Keep Everything on Track
Scheduling, PBC management, follow-ups, and logistics so your team isn’t chasing emails.
Quality Control Built Into Delivery
Review processes that improve consistency, clarity, and defensibility.
Board-ready Communication
Clear reporting that leadership and audit committees can actually use.
Flexible Engagement Models
Project-based, co-sourced, or ongoing support, that is scaled to your needs.
Fast Ramp and Predictable Execution
Tight project management and fewer surprises.
What you can expect after working with us
Exam-ready Workpapers and Documentation
A Smoother Process for Internal Teams
Fewer Surprises for Management and Boards
A Clear Process. A Smoother Engagement.
Discovery & ScopeÂ
Align on objectives, risk areas, and timing.
Fieldwork & Collaboration
We Do the heavy lift; you stay informed.
Clear Reporting
Board-ready results, practical recommendations.
Follow-Through
Action planning and optional ongoing support.