Arq Advisory LLC (SDVOSB) offers expert compliance, regulatory advisory, and program evaluation services tailored for financial institutions. Our team provides in-depth support across consumer protection, payments, lending, AML/BSA, and digital assets. We help organizations navigate examinations, supervisory reviews, and complex remediation with practical, actionable solutions. Further, Arq works with lenders and investors to identify risks through the lending process and mitigate concerns before they become larger issues.

Arq provides hands-on regulatory advisory and exam support for institutions navigating high-stakes supervisory scrutiny. We help teams prepare for and respond to federal and state regulators through technical assistance, program reviews, and examiner-facing readiness. When findings occur, we drive structured remediation—lookbacks, file reviews, restitution analysis, and MRA/MRIA/consent order execution—so corrective action is defensible, documented, and durable. We also support policy development, CMS program design, and targeted compliance impact analyses for transactions and M&A, including expert support when matters escalate.

Arq supports lending programs from origination through servicing with a focus on execution risk, data integrity, and fair lending defensibility. We conduct origination and servicing reviews, servicing and loss mitigation assessments, and targeted TRID/TILA-RESPA testing. We also perform HMDA and fair lending analytics and testing to surface risk drivers before they become supervisory issues. For government-backed and small business lending, we deliver SBA compliance reviews and targeted risk assessments tailored to operational realities. Further, Arq helps reduce risk of indemnification and buybacks through post-consummation quality control reviews.

Arq evaluates AML and sanctions frameworks against risk exposure, product/channel profiles, and practical control effectiveness. We conduct BSA/AML program reviews, KYC/CIP/CDD assessments, and governance reviews of transaction monitoring and alert management (including model/threshold oversight and disposition quality). We also perform OFAC/sanctions reviews and support AML program needs in gaming environments where customer identity, cash activity, and third-party risk create unique exposure.

Fee and disclosure risk is where consumer protection issues turn into enforcement exposure fast. Arq assesses UDAAP risk in overdraft/NSF and other fee practices, including pricing governance and disclosure alignment. We evaluate complaint management and issue management programs end-to-end—intake, categorization, root cause, escalation, and closure—to ensure concerns are captured early and converted into measurable corrective action. The result is tighter customer harm controls, clearer governance, and fewer repeat issues.

Email me to learn more