Assess, Design, Implement
ADI Consulting has been helping financial institutions comply with federal and state regulatory requirements for over 22 years. Our work focuses on Fair Lending, the Community Reinvestment Act (CRA), the Home Mortgage Disclosure Act (HMDA), and Bank Secrecy Act/Anti-Money Laundering (BSA/AML) challenges our clients face.
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Featured Case Studies
See what some of ADI’s clients have accomplished in their compliance programs, including the challenges they faced and how we helped resolve them.
Aligning Fair Lending Testing with Why Consumers Withdraw their Mortgage Applications
Banks and non-depository mortgage companies engage ADI to evaluate Fair Lending risk relative to consumer outcomes from their underwriting activities. We endeavor to align our solutions with the reasons consumers withdraw prior to an approval/denial decision based on the merits. In the past several years, the proportion of non-approved HMDA-reported applications that were denied based on review of an applicant’s credit […]
Optimizing a Community Bank’s AML Alert Monitoring System
ADI was engaged by a community bank client to help refine its AML transaction monitoring system, with the goal of improving effectiveness and efficiency in generating alerts of suspicious activity. ADI executed a multi-phase analysis plan to develop, test and implement changes to the system that enhanced the performance of the AML monitoring system, satisfying […]
Redesigning a Bank’s BSA/AML Customer Risk Scoring Model and Enhanced Due Diligence Strategy
ADI was engaged by a community bank to overhaul its BSA/AML customer risk-scoring model and provide tools so that it could more effectively manage its Enhanced Due Diligence (EDD) program for high-risk customers. Assessing the Challenge BSA/AML risk is dynamic and must be continuously managed. It is critical that risk ratings accurately reflect current risks, […]