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iKinetiq

Compliance Chaos Costs Community Banks

From BSA/AML breakdowns to vendor oversight gaps, most Community Banks navigate regulatory risk in silos, leading to missed warning signs and heightened examiner scrutiny.

The TPOC Risk Framework Simplifies Oversight

It gives your bank one unified view of third-party, operational, compliance, and BSA/AML risks so nothing slips through the cracks.

TPOC Risk Framework Provides Clarity

It's the clarity your bank needs to spot high-risk areas faster, and proactively take action before your next regulatory exam.

The Framework

iKinetiq’s experts are dedicated to helping clients understand the impact of regulatory enforcement actions.  We have developed the Third-Party, Operational, and Compliance (TPOC) Risk Framework™ to calculate the TPOC Risk Rating for each regulatory enforcement action based on our proprietary methodology. 

Want to see how the TPOC Score works?

Download our sample TPOC Risk Score Card to see how we assess third-party, operational, and compliance risks using real published enforcement actions.

Download Sample Scorecard

The Methodology

This methodology reflects decades of experience helping financial institutions meet regulatory expectations.

 Bank Regulators

Working directly with financial services regulators, including

US, European, and Canadian regulators

 Enterprise Risk

Creating enterprise risk management programs, including contract and policy requirements, risk assessment tools, testing protocols, and risk mitigation controls

 Policies & Procedures

Designing and implementing enterprise policies, procedures, governance, and controls to meet regulatory compliance requirements for small and large financial services companies

 Internal Audit/Controls

Conducting internal and external audits, regulatory gap assessments, and remediation programs to achieve and sustain ongoing compliance

Tech Assessments

Evaluating, designing, and implementing technology tools to support risk management programs

The Risk Ratings

The TPOC Risk Rating assesses the identified deficiencies and remediation requirements related to third-party, operational and compliance risk management.   

These risk levels are based on the following:

Fines Assessed

Considers the presence, size, and frequency of fines — especially if multiple regulators imposed them.

Regulatory Gaps

Measures how far the bank’s current practices deviate from applicable regulatory requirements.


Corrective Actions

Evaluates the complexity and resource intensity of the required remediation steps.


Supervisory Priority

Flags whether the issue aligns with a published priority or high-risk supervisory focus.


Reg Alignment

Assesses whether the deficiency is tied to recent regulatory updates or industry guidance.


Repeat ​Findings

Identifies whether the issue was previously cited in exams or enforcement actions.


The Risk Levels

There are four risk levels:  Low (green); Medium (yellow); High (orange); and, Very High (red). 

Low Risk

Medium Risk

High Risk

Very High Risk

Ready to Rethink Risk Management

Talk with our experts about how to simplify your compliance strategy and avoid costly enforcement actions.

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Additional TPOC Risk Framework Resources

Our Risk Ratings

Stay up to date on regulatory actions with risk ratings that quickly point you to what is important and how it impacts your business.

Our Self-Assessment Tools

Our TPOC Risk Tools help you conduct self-assessments of your own regulatory risk programs and identify deficiencies for remediation.

Our Team of Experts

Our clients also have access to our team of experts who use these tools to develop a custom solution that includes a detailed gap assessment, report of deficiencies, and tailored remediation plan to jump-start or return the client to compliance with regulatory requirements.

Our Wellness Checks

Conducting annual reviews is crucial to identify compliance gaps and proactively correcting deficiencies before they become issues. They also provide a valuable opportunity to build robust compliance strategies that mitigate risk and avoid regulatory enforcement actions and fines.