BSA/AML Advisory for Community Banks
Community Bank Consultant for BSA/AML Compliance
Pillars FinCrime Advisory helps community banks and credit unions build practical, audit-ready BSA/AML programs that hold up under exam.
- BSA/AML policies, risk assessments and program design
- Fractional BSA Officer and CCO support, no full-time hire
- Exam and audit readiness from a CAMS-certified advisor
Founder-led by Joshua Douglas, CAMS certified, 12+ years in financial crime.
Prefer to talk? Call 281-825-1603
Talk to a community bank consultant
Tell us about your bank and your compliance priority. We'll follow up to discuss scope and next steps.
Why community banks work with us
Senior expertise, no full-time hire
Fractional BSA Officer and CCO services give you experienced compliance leadership and program accountability without the overhead.
Programs built for your risk profile
Policies, procedures, risk assessments and governance built around how your bank actually operates, not a template.
Fewer false positives
Transaction monitoring optimization and sanctions screening calibration lift alert quality and cut operational friction.
Ready for the examiners
Exam and audit readiness support so your documentation, decisions and filings stand up to regulatory scrutiny.
Board-level clarity
We translate regulatory expectations into clear business language for your board and executive team.
Vendor-neutral advice
Independent evaluation of AML, monitoring, KYC and audit software so your tools match your volume and budget.
Full-lifecycle financial crime support for community banks
Community banks face the same BSA/AML expectations as much larger institutions, often with a far smaller team. Pillars FinCrime Advisory provides hands-on help across the whole program lifecycle, from writing policy to tuning your monitoring system and getting you ready for an exam.
Work is led by founder Joshua Douglas, who is CAMS certified with 12+ years in financial crime and nearly 20 years across financial services. Engagements are scoped to what your bank needs, whether that is a one-time risk assessment or ongoing fractional BSA Officer coverage.
- BSA/AML program development: policies, procedures and risk-based approach
- Financial crime risk assessments and governance structures
- KYC/KYB program design and KYC redesign
- Transaction monitoring optimization and tuning
- Sanctions and OFAC screening build, calibration and case disposition
- SAR program support: alert investigation, case documentation and narrative writing
- FinCEN reporting, including CTRs and Beneficial Ownership (Corporate Transparency Act)
- Fraud risk management using the GAO Fraud Risk Management framework
- Fractional CCO / BSA Officer and board advisory
- Regulatory exam and audit readiness support
Experience behind the advice
“Pillars helped us navigate a complex regulatory review with confidence. Their hands-on approach and deep understanding of fintech compliance made all the difference. Our program is now scalable and audit-ready.”
“From transaction monitoring optimization to KYC redesign, Pillars delivered measurable improvements. Alert quality is up, operational friction is down, and we're better prepared for regulatory exams.”
“The fractional CCO service provided exactly what we needed—senior-level expertise without the overhead. Joshua and his team integrated seamlessly with our operations and gave us the strategic guidance to grow safely.”
What happens next
Send your details
Share your institution, your main compliance priority and where you are in the process.
Discovery call
We talk through your current program, exam history, systems and any gaps you already know about.
Scoped proposal
You get a clear plan for the work, whether it is a project, remediation support or fractional coverage.
Frequently asked questions
Do you work with community banks and credit unions?
Yes. We advise banks, credit unions and other financial institutions, along with fintechs, payments companies and money services businesses, across the United States.
How much does an engagement cost?
Pricing depends on scope, your program's current state and whether you need a one-time project or ongoing fractional support. Tell us what you need and we will scope it on a call.
Can you act as our BSA Officer?
We offer fractional BSA Officer and Chief Compliance Officer services. You get experienced compliance leadership, regulatory oversight and program accountability without a full-time hire.
Do you help before a regulatory exam?
Yes. Exam readiness and audit readiness support is a core service, covering program documentation, risk assessments, monitoring and SAR decisioning.
Do you sell compliance software?
No. We are vendor neutral. We independently evaluate AML, transaction monitoring, KYC and audit software and help you choose tools that fit your risk profile, volume and budget.
Do you provide legal advice?
No. We are a financial crime compliance consultancy, not a law firm, and we do not provide legal representation.
Get community bank compliance help that scales
Tell us about your BSA/AML priority and we'll set up a call to discuss scope, timing and the best way to support your team.
- BSA/AML policies, risk assessments and program design
- Fractional BSA Officer and CCO support, no full-time hire
- Exam and audit readiness from a CAMS-certified advisor
Prefer to talk? Call 281-825-1603