Specialties
Model Governance
Data Integrity
Model Output and Performance
Helping you meet regulators’ demands for independent AMS model reviews
We bring the people and know-how to conduct rigorous, risk-based AMS model validations to assess how well your model governance, data integrity, and parameter thresholds adhere to regulatory guidance.
Conducting an AMS model validation is both an art and a science.
Hundreds of banks and credit unions view us as trusted artists and scientists and count on us to bring insightful regulatory intelligence during AMS model validations.
With real-world experience as former bankers, we understand the effect of increased regulatory pressure on your team. Relying on plug-and-play settings, for example, is a path to frustration, and we know how it feels to be overwhelmed by alerts and struggle to discern what warnings to heed or ignore.
Members of our team have done everything from examining data integrity and its quality and conducting “above the line” and “below the line” testing to assessing a model’s design and how well it’s tailored to your risk profile.
We also bring a solid track record in understanding the quirks of various AMS solutions in the marketplace and performing system validations on them.
Our assessments consider both IT and BSA perspectives, and we focus on three areas:
- Model governance
- Data integrity
- Model output and performance
Throughout each engagement, we communicate with you to keep you informed on our progress and findings. At the conclusion, our exit meeting and written report document our scope, methodology, findings, and recommendations.
Once our AMS Validation is complete, you can be confident that your model is sound and meet examiners’ escalating expectations.
TCA gives you A Better Way to gauge whether your AMS model meets its objectives and protects you from money-laundering risks.
Key Deliverables Include:
- Testing administrative controls, data import, and data integrity.
- Reviewing system parameters to be sure they’re functioning correctly and identifying suspicious activity.
- Ensuring that your model has been calibrated to your bank's risk profile.
- Analyzing exams, reviews, and monitoring reports to trace the resolution of issues requiring corrective action.
- Providing exceptional service that respects your time.
AMS Insights
Let’s Make This Simple – Immigration Status Alignment with ATR, ECOA and BSA
The question – How does a financial institution maneuver through the regulatory requirements to ensure lending compliance when dealing with immigration? TCA – A Better Way!
Time to Update Your Home Loan Toolkit
The CFPB quietly released an update to the “Your Home Loan Toolkit” which is to be provided within three business days for federally related purchase mortgage loan applications. TCA – A Better Way!
Compliance – Who Cares?
Today’s compliance landscape is vastly different than what we’ve seen in the past. With revocations of Guidance Documents, increases in enforcement action terminations, decreases in new enforcement actions, rollbacks in regulation, and the flurry of Executive Orders related to compliance coming out of the Oval Office, the view of compliance has been “trimmed”. It certainly […]
Your Reputation Matters
On June 2, 2026, the FRB, FDIC, and OCC jointly reissued 15 interagency supervisory guidance documents to remove all references to “reputation risk”. TCA – A Better Way!
Regulation B Amended
On April 22, 2026, the Consumer Financial Protection Bureau (Bureau or CFPB) issued a final rule amending provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B. This final rule is effective July 21, 2026. TCA – A Better Way!
The Fair Housing Home Loan Data System Log is Dead. Long Live Regulations B & C
The information below is relevant only to OCC-regulated Banks. If you are a Federal Savings Association or regulated by the FRB, FDIC, or NCUA, you can ignore this release. TCA – A Better Way!
