Credit Union Compliance and BSA/AML Support
Your team is small. The rules keep growing. RADD gives your credit union the BSA/AML experience you need, without adding a full time hire.
Does RADD work with credit unions?
Yes. RADD provides credit union compliance services to federal and state chartered credit unions across the country. We build and run BSA/AML programs, serve as an outsourced or fractional BSA officer, perform independent testing, prepare credit unions for NCUA exams, and oversee fintech and CUSO partnerships.
We work with banks and fintechs too. The BSA/AML rules overlap a lot. What changes is the examiner and the charter, and we know both.
Compliance keeps growing. Your staff hasn’t.
Most credit unions we talk to say the same thing. One or two people carry the whole BSA/AML load. When that person is out, or leaves, the program stalls.
What we hear most often
- The BSA officer is wearing three other hats
- The risk assessment hasn’t been refreshed since the last exam
- Independent testing is due and there’s no plan for it
- A new fintech or CUSO partnership brought risk the program was never built to handle
- Policies stopped matching what the credit union actually does
Then the exam letter shows up. Or a member issue turns into a SAR question nobody’s sure how to answer. None of that means your credit union is doing something wrong. It means the work outgrew the staffing. We do this same BSA/AML program work for banks and fintechs every day.
We do this work every day.
RADD is a compliance and audit firm. We work with banks, credit unions, and fintechs on BSA/AML, audit services, and compliance consulting. Our team came out of the industry. We’ve sat in the BSA officer chair, we’ve been through exams, and we’ve built programs from scratch. Here is how credit union compliance consulting works with us.
- We assess where your program is today, including your last exam findings
- We build or strengthen what’s missing, from the risk assessment to the policies
- We stay on for ongoing BSA officer support, monitoring, and annual testing
- You decide how much help you want, and we size it to your budget
The R.A.D.D. Compliance Confidence Framework™
You shouldn’t have to figure out where to start. Our four-step framework turns regulatory uncertainty into a clear path forward, built around your institution’s size, business lines, and risk profile.
Reveal Risks
We uncover the regulatory gaps, operational risks, and audit vulnerabilities specific to your institution through a proactive compliance assessment, before an examiner finds them first.
Align & Analyze
We benchmark your current compliance posture against examiner expectations and board priorities, including emerging risks like crypto, fintech partnerships, IT compliance, and privacy laws (CCPA/GLBA).
Design Your Compliance Roadmap
You get a customized, board-ready roadmap with priorities, timelines, resource recommendations, and predictive strategies to eliminate future findings, not just the ones you already know about.
Deliver & Defend
We execute the roadmap alongside your team, through tailored audit engagements or our RADD Assist subscription, and stand with you in front of examiners, the audit committee, and the board.
Credit union compliance services.
Outsourced BSA officer & program build
- Outsourced BSA officer, full coverage without a full time salary
- Fractional BSA officer support and backup for the officer you have
- BSA/AML program build from the ground up
- Policy and procedure rewrites so the paper matches the practice
- Monitoring rule tuning and alert backlog cleanup
- SAR and CTR filing support and quality review
- OFAC screening setup and match handling review
- BSA training for staff and the board, built around your program
Credit union compliance audit, risk, and exam readiness
- Credit union compliance audit and independent BSA/AML testing, documented the way examiners expect
- AML risk assessment refresh when members, products, or partners change
- NCUA exam readiness, walked the way an examiner walks it
- Look-back and remediation support
- Fintech partner oversight built into your program
- CUSO compliance support and sponsor bank style partner oversight
- Board and audit committee reporting you can hand over as is
CUSO compliance and fintech partnership oversight
This is the part most credit union compliance shops do not do well, and it is the reason credit unions call us.
CUSO compliance. Your service organization has its own compliance duties. We help you meet them without slowing the business down. We look at what the CUSO actually does, what rules reach it, and what the credit union stays on the hook for.
Fintech partnership compliance. If you sponsor or partner with a fintech, their risk becomes your risk. Partner risk has to show up in your risk assessment and your monitoring before the program goes live, not after the first exam question about it.
Sponsor bank style oversight, applied to credit unions. We already run fintech compliance work, so we are not learning on your dime. We build the oversight structure, the reporting, and the testing that proves the partner is being watched.
Who we work with.
Credit unions. From small community charters to multi billion dollar institutions. We size the help to your budget and your risk.
CUSOs. Service organizations that need their own compliance house in order.
Fintech partnership programs. Credit unions taking on a fintech partner, and fintechs looking for a credit union partner who can pass an exam.
Why Clients Rely on RADD LLC
Credit union compliance questions we get a lot.
Does RADD work with credit unions?
Yes. We work with credit unions, banks, and fintechs. The BSA/AML rules overlap a lot. What changes is the examiner and the charter, and we know both.
Can you act as our outsourced BSA officer?
Yes. Some credit unions use us as the officer of record. Others use us as backup, so their officer is not the only person who knows the program.
Do you offer a fractional BSA officer?
Yes. A fractional BSA officer is a part time officer who works a set number of hours or days each month. It is a good fit when a full time hire is more than you need.
What does credit union compliance consulting cost?
It depends on your size, your risk, and how much you want us to handle. A one time risk assessment costs far less than ongoing officer support. We will quote it after a short call.
Can you do our credit union compliance audit?
Yes. We audit the BSA/AML program and give you a written report with findings and recommended fixes, in the order we would fix them.
Can you do our BSA/AML independent testing?
Yes. Independent testing has to come from someone outside the program, and that is what we do.
How do you help with NCUA exam readiness?
We review your program the way an examiner would, then give you a list of what to fix and how long it should take. Most credit unions do this a few months before the exam window.
Do you work with CUSOs?
Yes. A CUSO has its own compliance duties, and the credit union stays responsible for a lot of what the CUSO does. We work both sides of that.
We are starting a fintech partnership. Can you help?
Yes, and this is a good time to call. Partner risk needs to be in your risk assessment and your monitoring before the program goes live.
Do you do sponsor bank style oversight for credit unions?
Yes. The oversight model that sponsor banks use for fintech partners works for credit unions too. We build it to fit your charter and your examiner.
Can you refresh our AML risk assessment?
Yes. We rebuild it around what your credit union actually does today, including new products, new members, and new partners.
Can you help with SAR filing?
Yes. We help with filing questions, quality review, and the decisions behind them. We can also train your staff so the calls get easier.
What about CTR compliance?
Yes. We review your CTR process, your exemptions, and your documentation, and we fix what is out of date.
Do you review OFAC screening?
Yes. We review your screening setup, your match handling, and your documentation.
Can you review our AML policy?
Yes. Policy review is one of the most common things we are asked for, usually because the policy stopped matching what the credit union actually does.
Do you provide BSA training for credit unions?
Yes. We train staff and boards, and we build the training around your program.
Let’s talk about your credit union compliance program.
Tell us where your credit union is today. We’ll tell you what we’d fix first and what it would take. Book a 30 minute call.
