“Eureka Savings Bank has been a client of TCA for the past 20 years for both Compliance and BSA/AML reviews.  We have always found their staff to be professional and knowledgeable, and their reviews to be thorough, timely and effective.  TCA is a very integral part of our overall Compliance Management Program.”

Mr. Mark A. Van De Wyngaerde
Executive Vice-President
Eureka Savings Bank
LaSalle, IL

 

“We have worked with TCA for over 4 years and have been very satisfied with our partnership.  I use the word partnership because I feel that I am working with TCA to develop and maintain a quality compliance program.  They do not come here with a “gotcha” attitude but rather one in which they are going to help us achieve our goals. Another service that we value is being able to ask questions of the TCA experts – this is a well-used resource for us.”

Ms. Deborah Nichols
First Vice President
Citizens and Farmers Bank
Toano, VA

 

“We have been a client of TCA for almost 15 years. With their knowledgeable staff and expertise we continue seeing excellent results with our compliance management program through every compliance exam we have had since partnering with TCA.”

Mr. Jeffrey R. Blair
Vice President, Chief Financial Officer and Compliance Officer
Greenville Savings Bank
Greenville, PA

 

“We’ve used TCA as a trusted strategic partner for three years. We’ve relied on their expertise and guidance in many areas, including our compliance management system (CMS), HMDA, and BSA. We’ve found TCA’s virtual compliance manager (VCM) program to be especially helpful in establishing and maintaining our CMS. TCA is a strong supplement to our internal compliance staff.”

Mr. Jim Bradley
President

Home Savings Bank
Madison, WI

 

“For a small financial institution faced with the all the regulatory changes our bank started working with TCA, two years ago.  With the assistance we received from TCA and its consultants via its compliance review exams, webinar programs we believe our bank has established a base for its compliance procedures program.”

Mr. Steve Simunich,
Mr. Ray Calcagni
Home Federal Savings and Loan Association of Niles
Niles, OH

 

“The Associates at Thomas Compliance are professional and quick to respond to our compliance questions and needs.  Their reviews are thorough and help compliance programs stay on the right track.”

Mr. John Lincoln
Compliance Officer
The Bank of Marion
Marion, VA.

 

“First Security Trust and Savings Bank first engaged Thomas Compliance Associates (TCA) in November 2013 in order to perform a complete Compliance Risk Assessment.  We were in the midst of a transition with regards to how we managed compliance risk and wanted to get a baseline assessment of our compliance management system. TCA provided a comprehensive analysis of our strengths and weaknesses, helping us to establish priorities for areas requiring immediate attention and develop a plan to strengthen the CMS. Senior Management and the Board of Directors were impressed by the thoroughness of the report, which led to our decision to engage TCA’s Virtual Compliance Manager service (VCM). It was one of the best business decisions we have made in the last 5 years.

TCA’s VCM has been a tremendous resource for the bank. Our VCM or another TCA Compliance Specialist is available anytime the bank has a question; it truly is a one stop shop. Our VCM has made a noticeable difference in our compliance culture and as the culture improved TCA Management actually recommended reducing the number of monthly VCM hours by 33%. At the wrap-up meeting for our most recent examination, TCA’s Senior Management was present to ensure everything went smoothly. Compliance is now at the forefront of everything we do at the bank and it has provided positive results. Our external exams have all improved and the regulators are pleased with the processes the bank has adopted. I would recommend TCA to any bank looking to improve their compliance culture and structure.”

Mr. Thomas J. Schnell
Senior Vice President, Compliance Officer
First Security Trust and Savings Bank
Elmwood Park, Illinois

 

“First Federal and Thomas Compliance Associates have developed a very successful relationship managing the Bank’s compliance program over many years. We have been utilizing them for compliance, BSA, IT and fair lending reviews and the process was greatly enhanced by the use of the Visiting Compliance Manager service.”

Mr. Terry Giles
President
First Federal Savings Bank
Mascoutah, IL

 

“TCA’s knowledge of the regulatory world provides us with a high level of support and confidence in our regulatory compliance management system.”

Ms. Donna White
Senior Vice President, Chief Compliance Officer
River Community Bank, N.A.
Martinsville, VA

 

“The compliance services that Thomas Compliance provides are outstanding!! I have been a customer since 2003, using them at two different banks, and they have been there providing exceptional support in the review of policies and procedures, marketing materials and during exams.  I have recommended them to others who are also using them for compliance services.”

Mr. John (Jody) Yee, CRCM
Vice President, Compliance Officer
Frederick County Bank
Frederick, MD 21701

 

“I have worked with Thomas Compliance for the last eleven years, ranging from Information Technology, Compliance, and Bank Secrecy Act.  The employees and management at Thomas Compliance Associates, Inc. (TCA) are experts in their field and very professional.  The first bank that I was with when we contracted TCA was in a peculiar situation with the examiners when it came to BSA and the team of Auditors took the time to listen to our argument and where there was questions that did not satisfy them they explained what they were and how we not only needed to proceed but also ways to protect against similar issues from ever arising again.  A tremendous working arrangement was formed that to this day is still working.

TCA founder O. Tom Thomas was a speaker at a number of seminars I attended early on in my banking career and then I had the privilege to partner with him and his tremendous staff in BSA, Compliance, and now Information Technology.  I have recommended TCA to all of my friends within the banking industry and will continue to do so with the professionalism you receive when you work with the staff at TCA. Thank you for everything over the years.”

Mr. Bill McGrath
Vice President, Operations and Compliance
Ben Franklin Bank
Chicago IL

 

“TCA offers extraordinary help and insight during these difficult regulatory times!  It’s nice to talk to a consultant that doesn’t push their opinion on you.  They take the time to listen and understand your situation.  TCA has made our TRID transition easier.”

Mr. Michael Farmer
Vice President, Compliance Officer
Lincoln Federal Savings Bank
Lincoln, NE

 

“Working with TCA on our Fair Lending Review was a great experience! Staff was professional and knowledgeable. They were readily available for follow up questions after the audit was complete and we appreciated them sharing their knowledge regarding best practices.”

Ms. Lisa S. Carter
Vice President, Loan Administration and Compliance
Peoples Community Bank
Montross, VA 

 

“Argentine Federal Savings has used Thomas Compliance Associates for BSA, AML, CIP, OFAC, and IT (and associated vulnerability/penetration scans) outside review services for well over 15 years. We find their knowledge and expertise in these areas to be superior. The TCA consultants are highly professional, and stay well informed & up to date on complex regulatory issues that seem to be continually changing.”

Mr. Roger D. McWherter
President and CEO
Argentine Federal Savings
Overland Park, Kansas

 

“In May 2015, Town and Country Bank engaged the services of Thomas Compliance Associates, Inc. to perform a full scope Bank Secrecy Act (BSA) audit. As BSA programs have continued to become the focus of regulatory exam demands, we wanted to ensure that we would be fully prepared for these heightened expectations. While our bank had a satisfactory BSA program in place, we wanted to seek out a compliance partner that could help take us to the next level and fine tune our program. We wanted to ensure that we chose a partner that was proactive in their approach and who would be on target with regulatory expectations. We found what we were looking for in Melissa Hoeft and TCA. In the fall, we had our BSA regulatory exam, for which we were fully prepared.  Our partnership with Melissa and TCA proved valuable for our program and BSA Officer, not only during the exam, but on an on-going basis.”

Ms. Bridget Castle, Director of Audit and Compliance
Ms. Kylee Durbin, Compliance and Audit Associate
Town and Country Bank
Springfield, IL

 

“I find the hotline to be a valuable tool in our compliance program. In some cases I think I know the answer and I’m calling just to confirm my conclusion. In other cases I don’ know where to start looking and I need a suggestion as to where to begin. In still others I’m in a time crunch, I don’t have time to do the research myself, and I need a fast answer. Another service that has been valuable to us is the ability to send advertisements to TCA for review. In all cases TCA consultants reply to requests promptly, usually the same day. If the particular consultant I’m talking to doesn’t know the answer he or she will reach out to colleagues to get the answer thereby giving us the benefit of the collective knowledge of the entire firm. Being a compliance officer can be a lonely and difficult job at times. If you’re looking for a competent and reliable partner, I recommend TCA.”

Mr. Scott Granger
Vice President, Compliance Officer
HomeBank, SB
Martinsville, IN