US Regulatory Consulting

Financial institutions operate in an environment of accelerating regulatory change, heightened public scrutiny, and increasing expectations for strong governance and risk management. US Regulatory Consulting (USRC) helps financial institutions, fintechs, and emerging financial innovators navigate this complexity with precision and confidence.

The USRC team brings decades of regulatory and banking industry leadership experience — translating deep subject matter expertise into practical, actionable solutions that strengthen oversight, reduce risk, and enhance organizational performance.

Expert guidance empowering smarter, stronger regulatory decisions

USRC delivers the expertise, insights, and tools financial institutions need to manage risk and stay ahead of regulatory change.

Deep regulatory expertise

USRC expertise is rooted in its team of former regulators, bankers, compliance officers, and risk management professionals with deep, firsthand experience managing regulatory risk.
Actionable, data driven insights

USRC combines regulatory knowledge with advanced analytics to help institutions identify vulnerabilities, quantify risk, and make informed decisions.
Technology-enabled solutions

Through partnerships and proprietary tools, USRC supports clients with data management, analytics, and reporting capabilities that enhance accuracy and efficiency.
Trusted partner

From community banks to global financial institutions, USRC helps financial services organizations adapt, compete, and thrive in a rapidly evolving regulatory landscape.

Strategic compliance expertise that helps institutions strengthen oversight and stay ahead of regulatory change

Financial institutions face increasing regulatory complexity and scrutiny. USRC delivers the expertise and tools needed to operationalize compliance, strengthen oversight, and improve regulatory outcomes.

Compliance Management

Strengthen your compliance foundation with proven strategies designed to mitigate risk and support a robust compliance management system (CMS). Our team helps financial institutions address increasing regulatory expectations through tailored assessments, program reviews, and implementation support grounded in practical regulatory insight.

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Fair and Responsible Banking

Enhance fair lending performance with USRC professionals that deliver practical insights, data-driven analysis, and exam-ready program support. From fair lending reviews to redlining risk assessments and unfair, deceptive, or abusive acts or practices (UDAAP) program evaluations, we help institutions build fair and responsible banking programs aligned with regulatory best practices.

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Community Reinvestment Services

With a unified, impact‑driven approach that strengthens service delivery, community engagement, and regulatory preparedness, USRC supports banks in designing and executing Community Reinvestment Act (CRA) service strategies that align with community needs, business objectives, and evolving supervisory expectations.

Through targeted assessment, service‑mapping analytics, and modernization‑ready guidance, we help banks optimize volunteer initiatives, financial education programs, and branch‑related activities. Our approach equips institutions to demonstrate meaningful community impact, improve exam readiness, and deliver consistent, well‑documented CRA service outcomes.

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Data Governance Services

With a comprehensive data governance framework that ensures accuracy, reliability, and regulatory alignment, USRC helps banks modernize CRA‑related data practices by enhancing the completeness, traceability, and defensibility of datasets used for lending, investment, and service reporting.

Through disciplined governance structures, quality controls, and modernization‑ready data architecture guidance, we enable banks to improve exam readiness, reduce operational and compliance risk, and generate consistent, actionable insights that support long‑term CRA strategy and community impact.

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Financial Crimes Compliance

Build resilient financial crimes programs that integrate governance, analytics, and technology to help detect, prevent, and manage risk. USRC provides support in alignment with regulatory focus areas — from anti-money laundering (AML) risk management processes to transaction monitoring — helping institutions reinforce control and improve operational efficiency.

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Operational Compliance

Translate regulatory requirements into effective and sustainable operational processes. We help institutions streamline compliance workflows, improve reporting accuracy, and embed governance into day-to-day execution — ensuring that compliance is not only well-designed but successfully operationalized.

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Unlock compliance confidence

Connect with an expert to assess your challenges and chart a focused path forward.

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A team built on experience, insight, and regulatory depth

USRC is led by seasoned industry experts whose deep regulatory, compliance, and risk management experience drives the firm’s vision, service delivery, and client impact.

Brendan Blair

Senior Director, US Regulatory Consulting

Brendan leads USRC’s strategic direction, service delivery, and integration of emerging regulatory technology capabilities.

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Thomas Grundy

Director, U.S. Regulatory Consulting

Tom leads USRC’s consulting practice and advises client institutions on risk, compliance strategy, and supervisory engagement, and is backed by four decades of regulatory and financial services industry experience.

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Zaida Aponte

Associate Director, US Regulatory Consulting, Regulatory Compliance Management

Zaida leads USRC’s Compliance Management practice. Zaida brings more than 30 years of financial services experience and regularly advises client institutions regarding compliance program development, compliance management processes and governance enhancements, and regulatory readiness.

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Jeff Fox

Associate Director, US Regulatory Consulting, Financial Crimes Compliance

Jeff leads USRC’s Financial Crimes Compliance practice. Jeff specializes in Bank Secrecy Act (BSA)/anti-money laundering (AML), sanctions, fraud risk, and financial crimes governance.

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Seth Reimer

Associate Director, US Regulatory Consulting, Fair and Responsible Banking

Seth leads USRC’s Fair and Responsible Banking practice. In his role, Seth directs fair lending analytics, program governance, and regulatory strategy to support equitable, data driven frameworks for his clients.

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Mark Miller

Director, Compliance Professional Services

Mark is a regulatory compliance leader with over 25 years in financial services, bringing deep expertise across lending, product, operations, and compliance in consumer, mortgage, and deposit lines of business.

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We bring a partnership mindset

When you work with Wolters Kluwer USRC, you gain a team that:

Understands your institution’s unique risk profile

Brings clarity to complex regulatory requirements

Delivers practical, actionable, and exam‑ready solutions

Supports implementation, testing, and ongoing improvement

A group of people partnering on regulatory excellence

A collaborative, transparent approach to regulatory excellence

At Wolters Kluwer USRC, we partner closely with institutions to deliver clarity, structure, and confidence across every stage of the compliance and risk management journey. Our approach is grounded in deep regulatory expertise, practical execution, and a commitment to meeting institutions where they are.

Project management you can trust

Our engagement model is collaborative, transparent, and rooted in real‑world experience. Using advanced project management platforms and proven methodologies, we ensure clients stay continuously connected to their USRC team — receiving real‑time visibility into project status, emerging observations, and follow‑up needs.

Coworkers discussing optimizing compliance and risk capabilities

Optimizing your compliance and risk capabilities

We help financial institutions build and sustain resilient compliance and risk management programs that can withstand increasing regulatory scrutiny. Connect with us to explore how our team can strengthen your institution’s compliance infrastructure and support your long‑term risk management goals.

Expert insights

From oversight to strategy: The skills redefining the modern compliance officer

The role of the compliance officer is evolving — quietly but meaningfully. Regulatory expertise remains foundational but it is no longer sufficient on its own.

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Dodd-Frank Update special report: The intersection of banking and crypto regulation

The Trump Administration is supporting legislative and regulatory changes geared to facilitate the in-flow of cryptocurrencies into the banking and real estate finance sectors in a much more meaningful way than previously possible.

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Future-proofing Section 1071 compliance: How leading institutions are preparing for small business lending requirements

The Consumer Financial Protection Bureau (CFPB)’s revised Section 1071 proposal signals a new chapter but readiness remains essential.

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As GSEs prep for crypto, lenders test the non-QM waters

Housingwire’s article, Crypto mortgage lending gains traction with $4M non-QM loan, looks at compliance implications for mortgage transactions in light of an evolving regulatory environment.

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Webinars

The new compliance playbook: Best practices for BSA/AML in a changing landscape

A deep dive into the latest developments and industry trends impacting BSA/AML.

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Section 1071 at a crossroads: Preparing for what’s next

Exploring the current state and future direction of Section 1071 of the Dodd-Frank Act.

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State of scrutiny: How states are reshaping banking compliance in a shifting federal landscape

Explore the findings from our latest research into state-level banking regulations and supervision to learn actionable insights for institutions navigating this evolving landscape.

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Cracking the code: 2024 HMDA compliance trends and how automation can close the gaps

An in-depth look at the top HMDA compliance violations cited in 2024 and how automation can transform your compliance strategy.

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Resources