Exam Season Is When Audit Gaps Stop Being Hypothetical.
You already know which findings are likely to come up again. You know which control weaknesses you flagged in the last audit committee report and didn’t have the bandwidth to fix. And you know the examiner’s tone shifts when an issue lands in the report for a second cycle in a row.
What a Repeat Finding Actually Costs
The cost of a repeat finding isn’t the finding itself. It’s the audit committee’s confidence, the regulator’s posture heading into the next exam, and the time your team spends defending instead of building. A focused pre-exam engagement closes those gaps before they reach the report.
Exam Prep Led by People Who’ve Sat in the Regulator’s Seat
Our team has sat in the regulator’s seat. Our consultants average 25 years of industry experience and hold the credentials examiners look for: CAMS, CIA, CISA, and CRCM. We are entirely U.S.-based — no offshoring, no rotating junior staff. Most importantly, we tell you what an examiner will say before the examiner says it. That’s the difference between a clean exam and a cycle of remediation.
The R.A.D.D. Compliance Confidence Framework™
Every exam-prep engagement follows RADD’s proprietary four-step process, designed to deliver clean exams and board confidence.
Reveal Risks
We refresh your risk assessment against the latest FFIEC, FDIC, OCC, and NCUA guidance and surface the gaps an examiner is most likely to flag this cycle.
Align & Analyze
We work through your last exam letter and last internal audit report to close the open items examiners are most likely to revisit — organizing documentation and collecting control evidence as we go.
Design Your Exam Roadmap
We run a focused mock exam across BSA/AML, IT and cyber, lending and deposit compliance, and your institution’s high-risk lines, so you see exactly what an examiner will see.
Deliver & Defend
You get a board-ready report with findings, root cause, and a remediation plan tied to specific owners and deadlines — ready to hand straight to the audit committee.
What We Review Before Your Exam
BSA / AML / OFAC
IT & Cybersecurity
Lending Compliance & Fair Lending
Deposit Compliance
Governance & Board Oversight
Third-Party / Vendor Risk
Internal Audit & Controls
Consumer Protection, Marketing & Privacy
Risk Assessment & High-Risk Business Lines
Rather than running a generic checklist, we focus the review on the areas your examiner is most likely to probe this cycle.
Why Community Banks Rely on RADD LLC
Who We Work With
Not Ready for a Quote? Start Preparing Today!
Download The 2026 Audit Readiness Playbook - Free
The Playbook is a ten-area checklist your team can run through before the examiner walks in. It covers governance, BSA/AML, cybersecurity, third-party risk, internal audit, fair lending, and the topics examiners are actively probing in 2026.
- A checklist of key areas examiners are likely to scrutinize in the coming year (based on the latest regulatory trends)
- Sample internal audit calendar templates to organize your compliance efforts
- Tips for getting results - even if your team is running lean
- Quick wins for reducing audit risk and impressing your board
Set yourself — and your institution — up for a clean exam in 2026.
Frequently Asked Questions
How far in advance of an exam should we start?
The work compounds the earlier it starts. Six to nine months out gives time to refresh risk assessments, close repeat findings, run a mock exam, and put a remediation plan in motion. Three months out is still useful, but the focus narrows to triage and documentation.
Do you only work with institutions that have prior enforcement issues?
No. Most engagements are with institutions that want a clean exam to stay clean. Enforcement remediation is a separate scope.
What does exam prep cost?
Engagement cost depends on institution size, risk profile, and the scope of pre-exam work. We provide a fixed-fee quote after a no-cost scoping conversation.
Will this help us prepare for the actual examination?
Yes. The entire engagement is built around exam readiness. Documentation is organized, control evidence is collected, and findings are framed the way an examiner will read them.
Do you work with our internal audit team or replace it?
We work alongside your internal team. RADD supports and strengthens existing functions rather than replacing them.
How are findings presented?
Findings are delivered clearly, prioritized by risk, and tied to specific owners and deadlines — in a written report you can hand directly to the audit committee.
Can you support us after the exam?
Yes. We frequently support institutions with follow-up remediation work after an exam, helping close findings and verify corrective actions.
Do you work with credit unions and community banks of all sizes?
Yes. We work with community banks and credit unions of varying sizes and complexity. Audit approaches are tailored to the institution, not forced into a one‑size‑fits‑all model.
Which areas do you cover in a mock exam?
BSA/AML, IT and cybersecurity, lending and deposit compliance, and any high-risk business lines specific to your institution. You see what an examiner will see before the examiner does.
How do we know if RADD is the right exam-prep partner?
If a clean exam, examiner confidence, and clear execution matter to your institution, a short scoping conversation will tell you quickly whether we’re the right fit.
Let’s Talk About Your Next Exam.
If your next examination is on the calendar, the conversation is most useful six to nine months out. If it’s already close, we still have time. Let’s build your exam-prep plan.
