Risk management


With well over a century of combined experience at such regulatory bodies as the FDIC, OCC, CFPB, major credit bureaus, and more, we believe BHG’s compliance/regulatory team is the best in the business and the best-suited to serving the compliance needs of our community bank partners.  

BHG is proud to have highly skilled, highly experienced professionals that are accountable for reviewing and oversight of key areas of the business, including:

  • Credit models  
  • Enterprise risk 
  • Consumer compliance
  • Regulatory relations  
  • Fraud and financial crimes
  • Technology and information security 
  • Operational risk  
  • Finance 


Regulatory exam preparation 

BHG offers a robust package to our bank partners to help prepare them for regulatory exams. Just like banks, BHG is also subject to state and federal examinations, making us uniquely suited to providing the proper documentation and due diligence assistance.  

The following policies are available to our bank partners upon request: 

  • Annual compliance testing schedule
  • Annual compliance training schedule
  • Audited financials
  • BSA/AML policy
  • Business continuity and disaster recovery policy
  • Capital collection management collections program (third-party vendor)
  • Consumer complaint policy
  • Customer fairness policy statement
  • Customer identification program
  • Employee bond
  • Enterprise risk program
  • Enterprise compliance program
  • Evidence of incorporations and good standing
  • Fair lending policy
  • Fraud mitigation policy
  • Identity theft Red Flags program
  • Information security policies
  • Privacy notice
  • Proof of insurance
  • SCRA policy statement
  • Statement of intended primary purpose of the loan form
  • Third-party policy
  • Unfair, deceptive or abusive acts or practices (UDAAP) policy