KHKimberly Hebbinbalanced-trust.com·Feb 2 · 4 min readExam-Ready Every Day: A Community Bank's Guide to Compliance PreparednessBy Kimberly Hebb For too many community banks, the regulatory examination process is a stressful, all-hands-on-deck crisis. It can involve weeks of panicked document scrambling, long hours, and disruption. The truth is that exam readiness should neve...00
KHKimberly Hebbinbalanced-trust.com·Jul 22, 2025 · 4 min readThe Do’s and Don’ts When Preparing for a Regulatory Exam Part 2In my last blog, I discussed exam preparation. Now comes the part where I remind banks, and hopefully inform some fintechs, of the more candid aspects of readying for a regulatory exam. The key to each of these items is transparency. Review the Inter...00
KHKimberly Hebbinbalanced-trust.com·Jul 14, 2025 · 2 min readThe Do’s and Don’ts when Preparing for a BaaS Regulatory Exam Part 1All banks know that regulatory oversight is a necessary evil to keeping the doors open (their words, not mine - says the former regulator). What is often forgotten is that the regulators also what to keep the bank’s doors open. This isn’t an adversar...00
KHKimberly Hebbinbalanced-trust.com·Aug 15, 2024 · 5 min readIntentional Compliance – What does that mean?As many within the financial industry have noted, over the past several decades financial products, services and methods to meet customers’ needs have continued to evolve. More recently, we’ve seen what is tantamount to a revolution of innovation mov...00
KHKimberly Hebbinbalanced-trust.com·Jul 25, 2024 · 4 min readUnpopular Opinion - But some need to say ITOver the past six months, we’ve seen various federal banking regulators issue formal enforcement actions that focus on risk management deficiencies related to Banking as a Service (“BaaS”) programs. There are common themes to these enforcement acti...00
