Regulatory Compliance & Analytics is an independent firm providing consulting services to banks and credit unions directly as well as indirectly through larger, national accounting firms.

The banking industry is dealing with both increasing competition and explosive growth over the past decade in the number and complexity of regulations.

We bring the analytical tools and science of identifying and interpreting meaningful patterns in data and making them more accessible.  We combine compliance and analytics to help financial institutions understand, describe and ultimately enhance their regulatory performance and reduce their costs and risks.

The President and Senior Analyst for RC&A is Coppelia Padgett.

As a former FDIC Compliance Specialist, Ms. Padgett has more 25 years of experience in the financial industry working with banks, credit unions, brokers and federal regulatory agencies. She has served as subject matter expert on many diverse projects, including BSA/AML examinations, CRA projects and fair lending investigations.

Ms. Padgett recently orchestrated the build out of a Compliance Management System for a California-based financial institution. She was engaged by Crowe Horwath as a Compliance expert, responsible for the Fair Lending Data alignment tasks as part of the development of an automated and sustainable Enterprise Compliance Risk Tool (Archer). She was responsible for transforming Fair Lending compliance risk assessment data and risk methodology so that it would align with the structure of the system. She mapped Compliance risks to processes and controls, identified and augmented control data gaps where necessary, and supervised the control team.

She also served as the CRA Expert under a Promontory Financial Group project assisting BBVA Compass prepare for its CRA Service Activity and Qualified Grant submissions to the Federal Reserve.

A frequent national webinar presenter for BankersWeb and CBanc, Ms. Padgett has a proven capacity to design effective training modules on a wide array of subjects, including the following:

• Redlining and Fair Lending
• Lending to Servicemembers
• Integrated Mortgage Disclosures for RESPA/TILA
• Mortgage Servicing Rules
• Ability to Repay/Qualified Mortgage Rules
• SAFE Act Compliance
• Bank Secrecy Act covering numerous aspects of BSA to all levels of management
• Flood Insurance
• Advertising & Website Compliance
• Regulation E: The Remittance Rule
• Record Retention
• E-Sign Act