Exam Readiness Report
This document contains confidential supervisory and institution information. It is prepared for internal governance and examiner review only and must not be distributed externally. Regulatory information herein is advisory context, not legal advice.
Contents
- Executive summary2
- Program health by obligation2
- Risk trend & thresholds3
- Open items & remediation3
- Attestation & sign-off4
Executive summary
The institution's compliance posture is substantially examination-ready for the H1 2026 period. Of eight monitored obligations, six are current, one is in watch, and one requires action ahead of the anticipated Q3 examination. Annual BSA training stands at 82% against a 90% target, with the remainder scheduled before period close.
Program health by obligation
| Obligation | Owner | Posture | Due |
|---|---|---|---|
| BSA/AML monitoring | D. Reyes | Current | — |
| CTR / SAR filing | D. Reyes | Current | — |
| Fair Lending (HMDA) | M. Okafor | Watch | Aug 1 |
| 1071 Small-Business | M. Okafor | Action | Oct 1 |
| Flood (Reg H) | T. Nguyen | Current | — |
| Reg E disclosures | T. Nguyen | Current | — |
Risk trend & thresholds
Residual BSA risk has trended down across the period and remains below the enhanced-review threshold. The chart reflects monthly residual-risk scoring after mitigating controls.
Open items & remediation
- 1071 readiness (Action). Finalize small-business data collection workflow before the Oct 1 tier. Owner: M. Okafor. Target: Sep 15.
- HMDA scrub (Watch). Resolve 4 flagged LAR fields from the Q2 self-review. Owner: M. Okafor. Target: Aug 1.
- BSA training gap. 14 staff outstanding; sessions scheduled. Owner: D. Reyes. Target: Jun 28.
Attestation & sign-off
The undersigned attest that the information in this report fairly represents the institution's compliance posture for the stated period, to the best of their knowledge.