Our Services
Your Partner in Balancing Compliance
Providing a full range of compliance auditing, VCM's audit services focus on the most critical areas in community banking.
Money Service Businesses perform a critical service of transmitting and converting money for millions of people worldwide. VCM is here to help MSBs comply with AML standards with effective Compliance Programs. In doing so, we help MSBs maintain positive banking relationships.
Virtual Compliance Management boasts more than 100 combined years of audit and compliance experience among its staff, including expertise in a broad range of issues relevant to community banks and MSBs.
Compliance.Online places the expertise of Virtual Compliance Management at your fingertips 24 hours a day. This monthly subscription service is your financial institution's portal to all things compliance. Move from passive to proactive compliance with Compliance.Online, your online compliance resource.
Meet Our Team
Your Partner in Balancing Compliance
James DeFrantz
James DeFrantz, CRCM, CAMS, J.D., is a consumer and real estate lending compliance specialist with more than 30 years of experience in the financial...
Read moreRick Caldwell
Rick Caldwell has more than 40 years of combined banking, consulting, and outsourcing experience in the financial services industry. He has held...
Read moreDavid Delo
Mr. DeLo was a co-founder of Southport Financial Corporation, with Connecticut Mutual Life Insurance in 1986, and President of Southport Asset Management...
Read moreLarry E. Echelmyer, JR
Larry Echelmeyer, BSG Solutions Group Senior Managing Partner, has over 35 years of experience in the financial services industry, with expertise in lines...
Read moreAlan R. Thompson
Alan Thompson, BSG Solutions Group Senior Managing Partner, has over 35 years of banking experience, most recently as Director, President and CEO of...
Read moreJohn A. Lawson, CIA, CISA
John A. Lawson has more than 30 years' experience in the areas of consumer compliance, audit, accounting, operation, and information technology in Banking...
Read moreBanking MSBs can boost your profitability. Virtual Compliance Management was instrumental in helping our bank successfully launch our program.
We’ve worked with VCM over the past six years and found a great partner to fulfill our Audit needs. Mr. DeFrantz and his team have provided audit services covering a variety of areas within the bank which include BSA/AML, deposit and loan operations, NACHA, EFT, deposit and lending compliance as well as credit quality reviews. The manner in which VCM interacts with our colleagues is well delivered and received. VCM approaches audits not only to ensure compliance in key areas but goes that extra mile to provide education, forward looking recommendations to not just ensure current and prior practices are compliant but also factor in the growth of the organization and take a proactive stance in best practice enhancements.
VCM has been a tremendous resource for us. They have helped us with our regulators and our banks.
When the regulators have a finding-what to do
Your Partner in Balancing Compliance
Audit Findings Form
Looking for the root causes of problems within your Compliance Management Program?
Download formData Collection Template
As Dodd Frank rolls out and you start collecting data on your business borrowers, are you collecting the right information?
Download templateUDAAP Compliance Checklist
As you offer "UDAAP High Risk" programs or products, make sure that the disclosures about them are both clear and consistent.
Download checklistLoan Withdrawal and Decline Tracking
Tracking the withdrawal and decline rates at your bank can reveal interesting patterns.
Download forms