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Governance, Risk and Compliance (GRC)

Practical GRC solutions integrating your institution’s strategy, operations, and regulatory obligations.

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Build a GRC Program That Works

GRC should do more than store policies, acknowledge regulatory requirements, or operate through disconnected departments. It should provide an integrated framework for decision-making, risk management, accountability assignment, and demonstrating that obligations are being met. 

 

Cornerstone helps banks and credit unions build right-sized GRC programs that align regulatory expectations with operational realities and strategic priorities.

Challenges We Help Solve

Who decides, who is accountable, and how do we know? 

Effective governance establishes clear ownership, decision-making authority, accountability, escalation paths, and oversight.

What could go wrong? 

Risk management provides a structured way to identify uncertainty, evaluate potential harm, and make informed decisions about how risk should be managed. 

What rules apply, and how do we demonstrate compliance? 

An effective compliance program connects regulatory requirements to business operations, controls, employee responsibilities, applicable risks and controls, and strategic decisions. 

Is the program right-sized for the institution? 

A $300 million institution does not need the same GRC infrastructure as a $300 billion institution. The principles should remain consistent, but the program should reflect the institution’s size, complexity, strategy, and risk profile.

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Services

Our GRC Offerings

Key growth and readiness milestones often require significant changes to governance, risk management, compliance oversight, and reporting. Cornerstone helps institutions assess their readiness, close capability gaps, and build scalable GRC programs that support the next stage of growth.

Target Readiness Model (TRM)

 

Ready your institution for its next stage of growth with a tailored assessment of the capabilities required to support your future state.

 

Cornerstone's TRM evaluates governance, risk, compliance, operations, technology, and staffing to identify readiness gaps and develop a prioritized roadmap for bridging them ahead of the next milestone.

 

Key outcomes:

  • Assess readiness for future growth
  • Identify capability, organizational, and resource gaps
  • Prioritize initiatives on a strategic, risk-based, enterprise-wide basis
  • Recommend simplified, standardized, automated solutions
  • Establish clear ownership and timelines

Compliance Management System

 

Build an integrated Compliance Management System that connects oversight, risk assessment, controls, monitoring, training, and accountability.

 

Cornerstone evaluates your program's effectiveness, identifies compliance gaps, and develops a practical plan to strengthen your compliance framework and operating model.

 

Areas of focus include:

  • Loans and Deposits
  • Fair Lending and UDAAP
  • BSA/AML/OFAC
  • Fraud and Payments
  • Vendor and Third-Party Risk Management
  • HMDA and CRA
  • Call Center and Complaint Management
  • GLBA and GDPR
  • Artificial Intelligence (AI) and Machine Learning (ML)

Compliance Risk Playbook

 

Turn compliance requirements into consistent, repeatable business practices.

 

Cornerstone develops a practical Compliance Risk Playbook that helps institutions identify, assess, manage, monitor, and mitigate compliance risk while building a more proactive and defensible compliance program.

 

Key outcomes:

  • Roles and accountability
  • Risk assessment methodology
  • Regulatory requirement mapping
  • Controls, monitoring, and reporting
  • Issue escalation and remediation

Proven GRC Experience

Cornerstone brings practical financial services experience and proven methodologies to help institutions connect compliance, accountability, operational improvement, and strategic outcomes.

 

 

12

 

Readiness engagements

6

 

Program Development and Implementation engagements

2

 

Playbook and Training engagements

26

 

Years of experience in financial services

Growth-Oriented Institutions Use Cornerstone for GRC Solutions

Over the past five years, Cornerstone has delivered Governance, Risk, and Compliance solutions to several banks and credit unions of various sizes and complexities that are strategically investing in efficient, effective, and scalable compliance risk management solutions to stay ahead of growth.

 

Meet Your Governance, Risk and Compliance (GRC) Expert

 

Additional Resources