Operationalizing controls to ensure compliance often comes with significant complexity, including manual activities and the involvement of multiple parties. Managing this complexity via coordination and fully documented processes is essential.

Wolters Kluwer US Regulatory Consulting (USRC) can assist your organization with ensuring your processes and controls are appropriate to evidence compliance with regulatory requirements, standards, and industry expectations. We offer both National Automated Clearinghouse Association (NACHA) rules compliance audits and model risk management/validation activities to help your organization enhance operational effectiveness.

Leadership

Zaida Aponte
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
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 Specialized Consulting Manager- Compliance Solutions
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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Shanon Conroy
Shanon Conroy
Associate Director, US Regulatory Consulting, Business Services Processing
Shanon Conroy is responsible for leading the Training and Business Servicing Processing (BSP) operations group and data integrity advisory group within Wolters Kluwer Compliance Solutions’ US Regulatory Consulting (USRC) team.
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Who We Are
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NACHA rules compliance audit

Wolters Kluwer USRC brings independent expertise to help your organization complete the required annual NACHA rules compliance audits. Our team ensures that your Automated Clearing House (ACH) program is compliant and provides grounded and thoughtful recommendations to ensure your ACH risk management program is appropriate for the size and complexity of your organization.

Model risk management and validation

Wolters Kluwer USRC provides expert, unbiased model validation grounded in industry best practices, federal supervisory expectations, and responsible AI principles. Our approach helps institutions reduce operational, compliance, and reputational risk while supporting innovation, transparency, and regulatory readiness.

Risk and control assessment

USRC leverages an industry‑standard methodology to:

° Identify and quantify inherent risks by product, line of business, or process/activity
° Identify and evaluate existing risk controls and mitigations (policies, procedures,training, and system‑based controls)
° Assess the overall effectiveness of risk management practices
° Assign a residual risk rating based on control strength relative to inherent risk

Deliverables include observed strengths, enhancement opportunities, and insights into risk direction for management consideration.

Data integrity services

Handle complex regulatory requirements with ease

Wolters Kluwer combines AI-powered technology with deep regulatory expertise to ensure your CRA, HMDA, and Section 1071 data is accurate, complete, and audit-ready — reducing risk and improving efficiency.

Unlock compliance confidence

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

Insights

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.
Watch On-Demand Webinar

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.
Watch On-Demand Webinar

Resources

US Regulatory Consulting

Expert guidance empowering stronger, smarter regulatory and compliance decisions.
Download Service Overview

US Regulatory Consulting: Operational Compliance

Streamlining regulatory processes for consistent, efficient compliance execution.
Download Service Overview

Unlock the power of compliance expertise

Connect with an expert today to assess your challenges and uncover tailored solutions for your institution. Discover how strategic guidance and proven methodologies can transform your compliance program and operational efficiency.

Why schedule a consultation?

  • Align your programs with evolving regulations
  • Reduce risk and improve exam outcomes
  • Build internal expertise through staff training

Ready to take the next step?

Fill out the quick form to start your personalized consultation. Together, we’ll explore how Wolters Kluwer US Regulatory Consulting can meet your unique needs and deliver measurable results.

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