Health Check of Your Fair Lending Program: Connecting Risk Assessment and Performance Analysis

Credit & Lending

History has taught that the regulatory landscape is ever-evolving, and strong compliance programs are able to adjust to changes when necessary; yet the path to ensuring fair lending compliance has not always been an easy one, especially given the implementation of expanded HMDA data and mixed messages on heightened fair lending risks. In this webinar, discover how risk assessment drives the priority of performance analysis and, in turn, how performance analysis should factor in determining control effectiveness and overall residual risk. Effectively connecting these two components will enable the institution to successfully navigate the challenging environment of fair lending compliance.

Who Should Attend: Chief Compliance Officer, Chief Risk Officer, Fair Lending Officer

Learning Objectives

  • Learn how to perform a compliance risk assessment, including how to identify and score inherent risk and to develop or revise controls to measure residual risk
  • Discover how to use performance analysis correctly, how it compares to regression analysis, when to use comparative file review, and how to align the performance analysis process to identified risks
  • Explore an example of a step-by-step approach for building a connection between risk assessment and performance analysis


Karen Cullen, CRCM
Director, Regulatory Compliance and Fair & Responsible Lending
CrossCheck Compliance LLC
Karen is a director in the regulatory compliance and fair and responsible lending practices of CrossCheck Compliance, LLC. She is a regulatory compliance and fair lending leader with over 25 years in financial services including banking, mortgage banking and electronic payment services. Karen has expertise in compliance program implementation, quality control program management, fair and responsible banking program management, risk management, process development and improvement, training, and team member development. Previously, Karen was the director of compliance risk strategy for Discover Financial, an $85 billion direct banking and electronic payment services company, where she managed a team of compliance and risk professionals that administered the enterprise-wide fair lending and responsible banking compliance risk program.

Webinar Fees

Pricing For Price Season Pass
Bank Member $195 $0
Bank Nonmember $249 $0
Affiliate Member $195 $0
Affiliate Nonmember $249 $0

Season Pass Members receive 4 individual logins to every webinar

Additional Info

Participants will earn 1.0 CPE credit

Field of Study: Specialized Knowledge

Prerequisites: Knowledge of risk asessments

Advanced Preparation: None

Program Level: Basic

Delivery Method: Group Internet Based

Refunds and Cancellations: Webinar registrations are non-refundable. If the registrant is unable to attend the designated time and date of the webinar, a playback link and any written materials will be provided within 2 business days following the conclusion of the webinar

Western Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its


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