Financial Institutions Consulting


The complex issues financial institutions face today are not going away – instead, they continue to get more complicated and severe, creating increased urgency to develop a culture of compliance.

Whether your financial institution is a community or commercial bank, credit union, U.S. branch of a foreign financial institution, mortgage company, securities and/or commodities broker/dealer, money services business or casino, you are highly regulated, and the cost of implementing proper policies, procedures and internal controls continues to rise.

Most of your focus is staying out of trouble with your regulators while still keeping your doors open. And it’s not getting any easier. New regulations are implemented continuously and enforcement is at an all-time high. Our highly specialized financial institutions services can help you anticipate these changes with our industry insight and expertise.

At Mercadien, we know the stress you’re under. As leading auditors and consultants to banks, credit unions and a host of other financial services entities, we understand how difficult, yet important it is for your executives to oversee and address the ever-increasing and complicated regulatory requirements and risk factors affecting their operations, while maintaining compliance, profitability, and strategic focus.

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We’ll go ahead and say it: we thrive in chaos. We know complexities and confusion in compliance standards increase the risk for regulatory action and you may have very little time to rectify the situation. When this happens, we put together an action plan coupled with recommended changes all while adhering to a strict deadline.

We pride ourselves in delivering the Mercadien Client Experience. This means whether you engage us for an internal audit or any of our other financial institutions consulting services, you can expect the same high-quality service, passion, and attention to detail from our people. Our team is comprised of both bankers and auditors – including former C-suite executives, lenders, branch personnel, compliance officers and controllers – giving us a holistic perspective regarding what you face on a day-to-day basis.

This unique combination of experience allows us to truly understand and keep abreast of emerging trends that may impact your operations. For instance, if we notice an examiner is repeatedly making a recommendation over a course of engagements, we will then work with our clients to combat the issue before it is mentioned. We don’t just uncover the problem areas, we address the root cause and give recommendations to remediate the situation. Achieving innovative solutions through collaboration is our approach, and we draw on our rich group of experienced professionals to meet your objectives.

In addition, we use the latest technology to our advantage and provide our clients with dashboard reporting that allows them to keep track of an engagement’s timeline.

As a New Jersey Bankers Association Select Service Provider and member of the American, Pennsylvania and New York Bankers Associations, we are dedicated to being an educational resource to the banking community. Community involvement is one of the foundational values at Mercadien and our team frequently speaks and authors articles on a variety of issues that impact the banking industry today. Those topics include TRID, flood insurance, Federal Financial Institutions Examination Council (FFIEC) Regulations and Manual Updates, Model Risk Management and Validation, Internal Audits, Regulatory Compliance and Bank Secrecy Act/Anti-Money Laundering (BSA/AML).

As a financial institution, the challenges to remain compliant are mounting. We’re here to help you mitigate risk and thrive – keeping you ahead of the curve.


  • Internal Audit (Outsourced or Co-Sourced)
  • Regulatory Compliance Consulting and Review
  • Model Validation (BSA, Fair Lending, Asset Liability, and Allowance for Loan Losses) Preparedness
  • BSA/AML Program Review and Consulting
  • Paycheck Protection Program Application Processing & Other Back Office Assistance
  • Enterprise Risk Management
  • Information Technology Audit
  • Staff Augmentation
  • SOX/FDICIA Consulting
  • MRB Consulting
  • SBA Loan Review Services


  • American Bankers Association
  • New Jersey Bankers Association (Select Service Provider)
  • Pennsylvania Bankers Association
  • New York Bankers Association
  • Institute of Internal Auditors
  • Financial Managers Society (National, NY/NJ & Philadelphia Chapters)
  • Insured Financial Institutions
  • Association of Internal Bank Auditors
  • Central New Jersey Compliance Group
  • Financial Executives International – NJ Chapter
  • Association of Certified Anti-Money Laundering Specialists
  • National Association of Government Guaranteed Lenders


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