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Jake Fowler

Risk and Control Self-Assessments (RCSAs): Putting it all Together



Lynn Woosley, Engagement Director, Treliant, LLC
Janet Hale, Senior Director, Treliant, LLC
Tim Stokes, Director, Treliant, LLC


  • Who does what in the RCSA process –  who is responsible and who is accountable
  • Identification of key stakeholders within processes
  • Process mapping and understanding 
  • Identification of key objectives and associated risks
  • Writing meaningful and impactful risk statements – the what, how, result, and why
  • Identification of controls and their attributes (method, frequency, maturity, etc.)
  • Effective articulation of controls in an RCSA
  • Quantitative versus qualitative aspects in methodology
  • Reducing subjectivity 
  • What to do with an RCSA once its complete – who are the consumers and what do they want or need
  • RCSA maintenance and upkeep


  1. Roles and responsibilities
  2. Components of a risk assessment
  3. Proper writing of risk statements and control descriptions
  4. Risk and control scoring methodology


  1. Gain clarification of the roles and responsibilities from the first line of defense to the boardroom 
  2. Learn to write effective risk statements and control descriptions
  3. Explore RCSA scoring methodologies

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Lynn Woosley, CRCM

Engagement Director, Treliant, LLC

Lynn Woosley is an Engagement Director with Treliant, LLC.  She is a seasoned executive with extensive risk management experience in regulatory compliance, consumer and commercial credit risk, credit and compliance risk modeling, model governance, regulatory change management, acquisition due diligence, and operational risk in both financial services and regulatory environments. 

Over the last two decades, Lynn has held leadership positions including Senior Vice President and Fair and Responsible Banking Officer; Group Vice President for Wholesale Transaction Modeling; and First Vice President for Portfolio Management within the Enterprise Risk Management division of a top 10 bank.  Prior to joining the private sector, Lynn served as Senior Examiner and Economist at the Federal Reserve Bank of Atlanta.   
With strong knowledge and experience across multiple risk disciplines, Lynn has been a featured speaker for numerous banking, compliance, and CRA conferences across the country. Lynn has authored several articles and presentations on financial institution risk management and consumer protection issues.  She has also developed training materials related to fair lending, fair housing, UDAAP, credit risk management, credit scoring, and consumer protection topics. 
Lynn holds a BBA and an MBA from Middle Tennessee State University and an MS Finance from Georgia State University.  She is a Certified Regulatory Compliance Manager and a Commissioned Examiner of the Federal Reserve System. Lynn has also served as both Chair and Vice-Chair of the Consumer Bankers Association’s Fair and Responsible Banking Committee. 

Janet Hale, CRCM

Senior Director, Treliant, LLC

Janet Hale, Senior Director with Treliant, is a seasoned executive with regulatory compliance experience in both the public and private sectors. Janet advises on the consumer-focused areas of risk, including mortgage origination and servicing, fair lending, Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), the Servicemember Civil Relief Act (SCRA), and Flood Disaster Protection Act (FDPA). She has compliance experience in enterprise risk management, regulatory exam supervision, regulatory change execution, third-party risk management, and complaint review and trending analysis. 

Most recently, Janet led an engagement supporting a large financial institution with the successful implementation of the TILA-RESPA Integrated Disclosures (TRID) rule. The engagement encompassed compliance guidance regarding the application of a new loan origination system, as well as oversight of testing protocols including a testing plan and scripts. Janet also participated in several fair lending reviews, providing redlining analyses and documentation subsequently submitted in support of effective and comprehensive fair lending risk management systems, resulting in positive fair lending regulatory examinations.

Prior to joining Treliant, Janet held senior leadership positions with KeyBank, including Vice President, Compliance and Operational Risk Manager for the bank’s Consumer Banking Division, as well as Senior Compliance and Community Reinvestment Act (CRA) Manager for a KeyBank affiliate. At KeyBank, she directed the compliance functions supporting consumer lending, credit cards, mortgage origination and servicing, collections, deposits, product development, and marketing. She also participated on KeyBank’s Compliance Risk Committee and Fair Lending Committee, and she chaired the bank’s Flood Governance Committee. Janet began her 20 year career as an Examiner with the Office of the Comptroller of the Currency (OCC) participating in safety and soundness as well as compliance examinations. Following her time with the OCC, she worked in the Treasury Department of a large regional financial institution. She later joined a well-established legal firm to launch a compliance consulting practice. 
Janet holds an MBA from John Carroll University and a BSBA in Finance from Miami University. She is also a Certified Regulatory Compliance Manager (CRCM).

Timothy J. Stokes, CRCM

Director, Treliant, LLC

Tim Stokes is a Director at Treliant with nearly 20 years of experience in the financial services industry. He specializes in building and optimizing comprehensive compliance management programs for financial institutions of varying sizes. His extensive regulatory knowledge covers both bank lending and bank deposit regulations. Areas of expertise include risk assessment and mitigation; process review and improvement; fair lending; Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), the Bank Secrecy Act and Anti-Money Laundering (BSA/AML); and the Community Reinvestment Act (CRA). 

At Treliant, Tim has been advising large banks on fair lending and UDAAP risks, including conducting comprehensive fair lending and UDAAP risk assessments, reviewing and enhancing existing policies and procedures, fostering and improving cross-channel relationships, and leading work stream initiatives to mitigate fair lending and UDAAP risk. He has also been instrumental in assisting clients with developing innovative customer service initiatives while remaining compliant with applicable laws and regulations.

Prior to joining Treliant, Tim worked with large banks, community banks, and credit unions. He has built comprehensive compliance programs from the ground up, performed compliance and risk assessments of existing programs, conducted transaction testing, and developed or enhanced policies and procedures. He also served as Chief Compliance Officer for a community bank with $3.5 billion in assets, where he oversaw the day-to-day operations of the compliance program, interfaced with regulators, and periodically reported the program’s status to the board of directors.

Additionally, Tim served as a Senior Regulatory Liaison with the Financial Crimes Enforcement Network (FinCEN), where he worked with the prudential regulatory agencies to assist with identifying and resolving BSA/AML related issues occurring at financial institutions under their purview. He was also instrumental in the BSA e-filing initiative and the rollout of the new FinCEN Suspicious Activity Reporting (SAR) and Currency Transaction Reporting (CTR) forms, including co-presenting the two FinCEN webinars regarding their proper use and completion.

Tim holds a BS in Psychology from the University of Houston. He is also a Certified Regulatory Compliance Manager (CRCM).

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