AUDIT DUE

DILIGENCE PACKAGE

OUR APPROACH

Our approach includes both onsite

and offsite assessment work, which
reduces your overall cost of delivery. We start every audit with a risk
assessment, then focus our highest
and best resources on the areas of
greatest risk in your bank. Our specialists in the different areas of audit
work together as a team to ensure
the highest possible compliance
standards.
Utilizing our existing relationships
with state and federal regulators, we
are able to represent your organization in audit and compliance meetings, as well as train your existing
staff in areas where they might need
additional assistance.

ABOUT US

EM Risk Management Services, a subsidiary

of Virtual Compliance Management, provides
a full range of compliance auditing. EM Risk
Management Services staff boasts more
than 100 years of auditing experience with
a focus in the most critical areas with which
community banks often struggle:
Lending Compliance

BSA/AML

Operations
Compliance

Credit Review

Fair Lending
Community
Reinvestment Act

IRR
Specialized audits

Because we specialize in providing audit

services to community banks, your Board
and executive team will know that the banks
audit meets all standards of the state and
federal regulators under which it operates.

OUR TEAM

James DeFrantz, CRCM, CAMS, J.D.

James DeFrantz is a consumer and real estate lending compliance specialist with
more than 30 years of experience in the financial service regulatory industry. He
has served as a senior compliance examiner at the Federal Reserve Bank in San
Francisco and has spent time as an analytical manager at the Office of Thrift
Supervision as well as a commissioned national bank examiner at the Office of the
Comptroller of the Currency. Mr. DeFrantz has a certificate from the Pacific Coast
Banking School of Bank Management, a Juris Doctor from the University of San
Francisco with a concentration in banking and finance, and a BA from Dartmouth
College.
John A. Lawson, CIA, CISA
John is a Certified Senior Manager with extensive experience in the financial
services industry including Commercial Banking, Mortgage Banking, Credit
Unions, and Specialized Financial services companies in leasing, asset based
financing and insurance services. Proven manager in the following areas: regulatory
compliance, internal control risk assessment, internal audit, organizational policy
development, and business resumption planning. Hands-on experience with GLBA,
Sarbanes-Oxley (SOX 302 and 404), HMDA and enterprise risk assessments and
documentation.
David Scott, CPA CIA, CFE
David is an experience Senior Risk Manager with experience in the financial services
industry including Commercial Banking and Investment Management. David has
extensive experience in the area of auditing financial institutions. He has lead audit
teams in the areas of regulatory compliance, internal control risk assessment,
internal audit, organizational policy development, and business resumption planning.
In addition, David has performed audits in the areas of GLBA, Sarbanes-Oxley (SOX
302 and 404). David has experience in both private industry and as an auditor.

A PARTIAL LIST

OF CLIENTS ASSISTED

BY VCM CONSULTANTS

1st Capital Bank

First Community Bank

Pinnacle Bank

1st Enterprise Bank

First National Bank of Northern California

Plumas Bank

American Perspective Bank

First Northern Bank

Redding Bank of Commerce

American Riviera Bank

First Republic Bank

Redwood Capital Bank

Avidbank

Focus Business Bank

River Valley Community Bank

Bank of Agriculture & Commerce Santa

Folsom Lake Bank

Saehan Bank

Cruz County Bank

Founders Community Bank

Santa Cruz County Bank

Bank of Guam Savings

Fresno First Bank

Savings Bank of Mendocino

Bank of Mendocino

Golden Pacific Bancorp

Security Bank of California

Bank of Hawaii

Golden Valley Bank

Sierra Vista Bank

Bank of California

Hawaii National Bank

Summit Bank

Bank of Marin

Heritage Commerce Corp

Suncrest Bank

Bank of Napa

Lighthouse Bank

Sutter Community Bank

Bank of Rio Vista

Luther Burbank Savings

Tri-Counties Bank

Bank of San Francisco

Meadows Bank

Tri-Valley Bank

Bank of Santa Barbara

Metropolitan Bank

United American Bank

Bank of Stockton

Mission Bank

United Labor Bank

Bank of the Orient

Mission Community Bank

United Security Bank

Bridge Bank, N.A.

Montecito Bank & Trust

Bank Uniti Bank

California Bank ofCommunity

New Resource Bank

Valley Business Bank

1st Bank Community

Oak Valley Community Bank

Valley Community Bank

Bank of San Joaquin

Ohana Pacific Bank

Valley Community Bank

Community Business Bank

Pacific Commerce Bank

Valley Republic Bank

Finance and Thrift

Pacific Valley Bank

Wilshire State Bank

First California Bank

Pan Pacific Bank

22568 Mission Boulevard, Suite 526, Hayward, CA 94541

www.vcm4you.com / Direct (510) 862-2874 / Office (510) 583-0124