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Support That Moves Your Bank Forward

Saltmarsh delivers proven strategies, regulatory insight, and operational expertise to help banks navigate change, reduce risk, and seize new opportunities.

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Expertise That Matches the Complexity of Modern Banking

Saltmarsh has served the banking industry for decades. Our Financial Institution Advisory Group brings together former bank executives, regulators, auditors, and compliance leaders who understand what it takes to succeed in a highly regulated, constantly evolving environment.

We work with institutions of all sizes and structures, offering insights built on real-world experience. Whether you're navigating a merger, responding to regulatory pressure, or building internal capabilities, our team is ready to support you with practical solutions and trusted guidance.

Explore More Services:

Banks
Credit Unions
Fintechs
Regulatory Compliance
Internal Audit
FDICIA 363 Consulting & Readiness
Credit Quality Reviews
ACH Reviews & Risk Assessments
BSA, AML, OFAC, and CFT
Fair Lending & UDAAP Risk Reviews
CRA Services 
Asset Liability Management Review
Information Systems & Cybersecurity Audits
Trust Operations & Fiduciary Responsibilities
Advisory, Training, and Coaching
 

 

Built for Banks: Services That Move You Forward

Saltmarsh delivers an integrated suite of services designed to support banks through every stage of growth, transformation, and compliance. Our specialists collaborate across disciplines to bring you customized, forward-looking solutions that meet regulatory standards and business needs.

Regulatory Compliance

Prepare for current or future oversight with gap assessments, policy reviews, and compliance program development.

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Internal Audit

Independent reviews of key risk areas to support banking relationships and demonstrate sound governance.

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FDICIA 363 Consulting & Testing

Support for FDICIA compliance, including risk assessments, control design, documentation, and independent testing.

Credit Quality Reviews

Loan review services that evaluate credit risk, assess underwriting practices, and ensure regulatory alignment.

ACH Reviews & Risk Assessments

Fulfill required annual audits and risk reviews under NACHA guidelines, whether as a third-party sender or embedded payments platform.

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BSA/AML/OFAC/CFT

Assess anti-money laundering practices, controls, and program structure to stay aligned with federal expectations.

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Fair Lending & UDAAP Risk Reviews

Identify exposure areas and ensure lending and servicing practices meet regulatory and partner standards.

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CRA Services

Program evaluations and exam preparation that align your CRA efforts with regulatory expectations and community goals.

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Asset Liability Management Reviews

Independent modeling reviews and policy evaluations to strengthen interest rate risk and liquidity oversight.

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Information Systems & Cybersecurity Audits

Evaluate controls, infrastructure, and processes, including IT audits, vulnerability assessments, and social engineering testing.

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Third-Party Risk Management Reviews

Strengthen oversight of your vendors and partners and show the rigor required to be embedded in a bank’s compliance stack.

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Advisory, Training, and Coaching

Custom consulting and education for bank leaders and teams, from regulatory updates to leadership development.

Some banks reach out after a regulator flags an issue. Others want to strengthen internal controls before the next exam. Whether you're responding to feedback or preparing for growth, we’ll meet you where you are and build a plan that fits your institution.

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People and Practices. The team is well trained, knowledgeable, experienced, accessible, and demonstraates good communication skills. Fieldwork, deliverables and presentations are first class. Our team at the bank always has good dialogue with Saltmarsh, and we learn something with each engagement.
Piedmont Federal Savings Bank NC

Regulatory Compliance Reports Cover Image

Get the Most Recent Updates at a Glance

Recent & Upcoming Regulatory Compliance Changes – Quarterly Update

This document includes concise summaries of the most material developments over the past quarter. It’s ideal for those who need a quick, focused view of what’s changed since the last report.

What’s inside:

  • Key updates from CFPB, OCC, FDIC, FRB, and HUD
  • Effective dates and impact levels
  • Hyperlinked citations to original rules
  • Summaries of rescinded, vacated, or delayed provisions

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A Partner You Can Count On

We don’t just respond to requests; we anticipate your needs and help you stay ahead of the curve. At Saltmarsh, responsiveness is built into every engagement. Our team moves quickly, communicates clearly, and stays available when you need us most.

We pride ourselves on building long-term relationships rooted in trust, transparency, and follow-through. When you work with us, you get more than a vendor. You get a partner who shows up, solves problems, and delivers consistently.

 

Our Leaders

Saltmarsh’s Financial Institutions team is led by professionals who have spent decades inside banks, regulatory agencies, and consulting practices. Their insight goes beyond theory: they’ve led through change, built compliance programs from the ground up, and served as trusted partners to banks across the country.

Their leadership sets the tone for every engagement, ensuring our clients receive practical guidance, timely communication, and solutions tailored to their specific challenges.

Stogniew, Kristen-1

Kristen Stogniew, Esq., CFE

Shareholder

Kristen is a shareholder and leader of Saltmarsh’s Financial Institution Consulting practice, with over 25 years of experience advising banks, credit unions, and fintechs on legal, operational, and compliance matters. She also provides tailored training and mentorship, and facilitates user groups across key systems and risk areas.

Strickland, Josh-1

Josh Strickland, CPA

Shareholder

Josh is a partner in Saltmarsh’s Financial Institution Advisory Group, with deep experience in accounting, internal audit, loan review, and strategic consulting. He advises community banks on financial performance, accounting, and operational matters, helping them navigate mergers, improve reporting, and strengthen long-term planning.

Allen, Paul

Paul Allen, CPA, CGMA

Director

Paul is a director in Saltmarsh’s Financial Institutions Advisory Group. He began his career in 1981 and has held senior roles at several financial institutions, including Chief Financial Officer, as well as with an international accounting firm.

Helms-Macbeth, Stephen

Stephen Reyes, CISA, CISSP

Shareholder

Stephen is a shareholder and leader of Saltmarsh’s Information Technology Services practice. With over 30 years of experience, he specializes in IT compliance, security audits, and system consulting for financial institutions. He holds multiple industry certifications, including CISA, MCSE, and CCNA.

Let’s Talk

Questions about compliance, risk, or operational strategy? Looking for a partner who understands the demands of running a bank in today’s environment? We’re here to listen, advise, and act.

Reach out today to connect with our team and learn how Saltmarsh can support your next step.

 

Insights

Stay Up To Date with the Financial Institution Industry

Join our email list for banks or credit unions to receive quarterly insights and information on upcoming events from our team of experts to help you succeed in this ever-changing environment.

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