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Compliance and Advisory Services Built for Credit Unions

At Saltmarsh, we help credit unions strengthen compliance, improve operations, and stay ahead of regulatory expectations with expert guidance and responsive support.

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Support That Strengthens Your Credit Union

We’ve partnered with credit unions for decades, supporting leaders through changing regulations, shifting member expectations, and increased scrutiny from boards and examiners. Our team understands the unique challenges of the credit union model, from maintaining member trust to managing growth while staying compliant.

Clients count on us not only for technical expertise but for the way we deliver it. We respond quickly, communicate clearly, and offer insights that help credit unions make smarter decisions. Some come to us for a specific need. Others lean on us as a long-term strategic partner. In every case, we show up with a commitment to clarity, action, and results.

 

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
 

 

Smart, Scalable Services for a Changing Environment

Our services are designed to help credit unions maintain compliance, manage risk, and operate more effectively. Whether you need specialized support or a full-service partner, we offer deep expertise across every critical area.

Regulatory Compliance

Ensure adherence to NCUA, CFPB, and state requirements through tailored compliance reviews and risk assessments.

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Internal Audit

Independent audits aligned with your credit union’s size and complexity. We assess processes, controls, and internal risk to help you stay exam-ready.

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FDICIA 363 Consulting & Testing

Support for credit unions approaching $500 million in assets, including readiness assessments and ongoing testing for FDICIA compliance.

Credit Quality Reviews

Comprehensive evaluations of your loan portfolio, underwriting, risk rating, and documentation practices.

ACH Reviews & Risk Assessments

Detailed testing and risk assessments to support compliance with NACHA rules and minimize operational risk.

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BSA/AML/OFAC/CFT

End-to-end reviews of your BSA and sanctions compliance programs, including testing, risk assessments, and program design.

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Fair Lending & UDAAP Risk Reviews

Analysis of lending practices, marketing, and servicing to identify risks and support compliance with fair lending and UDAAP expectations.

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CRA Services

Assessment and support for meeting Community Reinvestment Act requirements, including self-assessments and exam readiness.

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Asset Liability Management Reviews

Independent model validations and reviews of interest rate risk and liquidity risk management practices.

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Information Systems & Cybersecurity Audits

Risk-based audits of IT infrastructure, security controls, and systems in alignment with regulatory expectations and FFIEC guidance.

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Third-Party Risk Management Reviews

Evaluation of vendor management programs, including due diligence, risk rating, and contract governance.

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Advisory, Training, and Coaching

Ongoing support for boards, management, and staff to strengthen internal capabilities and stay ahead of regulatory change.

Not Sure Where to Start?

Some credit unions reach out after an examiner flags an issue. Others want a fresh set of eyes on a growing area of risk. Whether you need a specific review or broader guidance, we’ll help you clarify your priorities and chart the right path forward. No one-size-fits-all templates—just the right support for your size, structure, and goals.

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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

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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

Download Now

Strategic Support You Can Count On

Our credit union clients count on us for responsive, proactive service, because that’s what they give their own members. We believe in clear communication, quick turnaround times, and a hands-on approach that goes beyond the engagement letter.

We don’t just deliver reports. We answer questions, explain the “why,” and stick around to help you implement improvements. When issues arise, you won’t be left waiting. You’ll hear from someone who knows your organization and is ready to help.

 

Our Leaders

Saltmarsh’s Financial Institutions team is led by professionals who have spent decades inside financial institutions, 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

Strong partnerships start with a conversation. If you’re facing increased scrutiny, planning for growth, or simply looking for a more responsive advisor, our team is here to help. We’ll meet you where you are and tailor our support to fit your priorities.

Get in touch with a Saltmarsh advisor today.

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