Serving the de novo bank.
How we help a new bank govern risk, security, and AI from day one, through the charter, the pre-opening exam, and the de novo period that follows.
Capable is not the same as bank-ready.
Examiners hold a new bank to a mature standard from day one, however capable the parent. Closing that gap is the work.
A named information security officer
A written security program and policy library
Vendor management and board reporting in force
Continuity and incident response, tested
Your first examination under bank supervision
Bank-grade GLBA and FFIEC program expectations
Board-level information security governance
A named ISO accountable to the board
One partner across every phase.
No rebuild and no re-procurement as you move from charter to steady state. The same accountable partner the whole way.
Organizing
Business plan and risk inputs for the charter and regulatory applications. The framework is chosen early.
Pre-Opening
Stand up infrastructure, the security program, the vendor stack, and the policy library the pre-opening exam expects.
De Novo Period
Carry the program through heightened supervision. vCISO coverage, board reporting, testing, and exam support.
Maturity
Scale the program with the balance sheet, with the same partner and no rebuild.
For a charter, the advisory and AI carry the work.
A named virtual CISO
An accountable security officer and a full GLBA and FFIEC aligned program. Examiner ready before you open. The program →
Banking IT, run daily
We run banking IT and security operations every day. That operational fluency is what makes the advice credible. Managed IT →
Governance from day one
AI governance built in at the greenfield, not retrofitted later. The easiest place to get this right. AI Advisory →
We know what examiners want now, not last year.
We sit in examinations across the country every month. A new bank gets the benefit of what examiners are focused on now.
Client banks nationwide, from the low hundreds of millions to over $6 billion in assets.
Experience across all three federal banking regulators.
In audit and examination cycles, every month of the year.
Predictable by design.
Pricing is a conversation we have once we have scoped your charter, not a number on a slide.
Not by the hour
A scoped advisory fee, with anything out of scope priced up front. You budget once and know the number.
Scope grows with the bank
Start with what the charter requires. Expand as supervision and the bank mature. No rebuild.
One accountable partner
Risk, governance, and AI under one engagement and one point of contact. The seams are our problem, not yours.
Thinking about a charter? Talk to us early.
The earlier we are in the room, the cleaner the build. We will tell you what the examiner will expect before you open.