Consumer Compliance / Safety & Soundness Services

Compliance Reimagined – Strengthening Trust. Advancing Innovation. Accelerating Growth.

KPMG is dedicated to working with our clients to identify ways to advance the compliance journey from costly response and remediation to one of enhanced prevention and detection. We help our clients realize these goals and drive effectiveness, efficiency, agility and sustainability in their programs by optimizing and automating compliance and safety & soundness capabilities that keep pace with innovation and evolving regulatory expectations.

Our approach blends regulatory depth, tech‑enabled analytics, and practical experience with optimizing core business and risk processes to help clients proactively manage risk, elevate their compliance programs, and address emerging compliance.

The strategic alignment of the three lines of defense has become increasingly important in today's complex regulatory landscape and fast-evolving banking environment. Are your risk and compliance programs asking the right questions about what’s driving the agenda?

Innovation:

How is our risk and compliance program influencing innovation strategy to drive predictive insights, speed, and precision to achieve compliance objectives across the enterprise?

Customer Centricity:

How do we ensure our commitment to consumer protection is a tangible promise, reflected in fair and transparent processes at every touchpoint of the customer experience?

Evolving Regulatory Environment:

How do we build an agile risk and compliance function engineered for what’s next that thrives on regulatory complexity and drives strategic value for the organization?

Risk & Compliance Reviews & Transformations

We help organizations execute stronger, more efficient, and more resilient enterprise compliance programs across the lines of defense grounded in the core programmatic elements from risk assessments and monitoring and testing to integrated reporting and analytics. This involves in-depth assessments of current compliance and risk management programs, identifying program gaps and opportunities for enhancement based on our team's understanding of regulatory expectations, industry best practices and the financial institutions operational excellence objectives.

How We Strengthen Risk & Compliance Programs

Deliver risk & compliance program assessments to evaluate maturity
Design integrated, actionable risk and control frameworks
Enhance regulatory taxonomies and mapping
Automate testing and continuous monitoring
Implement AI-enable reporting, analytics and insights
Optimize enterprise-wide and line-of-business-specific complaint and issue management programs

Consumer Protection & Fairness

We help organizations turn a legal imperative into a competitive advantage by designing consumer‑centric programs that help prevent harm, elevate transparency, and build trust across the customer lifecycle. Our approach is powered by technology-enabled analytics and controls that reduce regulatory risk and strengthen customer acquisition, retention, and protection.

How We Enhance Consumer Protection & Fairness

Lead regulatory response and remediation to reduce supervisory impact
Quantify consumer harm and design restitution strategies
Prepare teams for exams and supervisory reviews
Analyze issues and conduct thematic reviews to identify systemic risks
Perform targeted testing on consumer protection laws and regulations throughout the product lifecycle and customer journey

Digital Compliance Transformations

We embed risk and compliance into the digital development lifecycle—bringing new systems, platforms, and products to life in a compliant, scalable, and exam‑ready manner. Our teams integrate regulatory requirements, controls, and testing rigor into agile delivery, powered by AI‑enabled validation and automation to accelerate launches and reduce operational and regulatory risk.

How We Enable Digital Compliance Transformation

Embed regulatory requirements into system and product design from ideation through deployment
Integrate risk and compliance into agile delivery workflows for faster, safer implementation
Design and execute risk‑based compliance testing that goes beyond SIT/UAT to meet supervisory expectations
Map regulatory obligations to business rules, controls, and technical configurations
Deploy automation and AI‑enabled validation to speed testing and strengthen evidence packages
Prepare organizations for operational readiness and transition to BAU with compliant processes and governance
Support vendor evaluation and platform selection to ensure technology aligns with regulatory and control needs

Financial Services Transactions, Applications, and Charters

We help organizations navigate complex regulatory requirements when expanding, acquiring, or launching new financial products, platforms, or entities. Our team supports compliance, governance, and operational readiness across the deal and application lifecycle reducing regulatory friction and accelerating time to market.

How We Support Transactions, Applications, & Charter Efforts

Conduct pre‑deal compliance assessments to identify risks and integration considerations
Evaluate applications, licenses, and charters against regulatory expectations
Design and integrate compliance and risk operating models for acquired or newly formed entities
Map regulatory obligations, customer commitments, and controls across products and platforms
Support regulatory engagement and submission packages throughout transactions and applications
Enable post‑deal compliance integration with aligned processes, governance, and controls
Assess readiness of products, systems, and processes for compliant launch and BAU transition

Risk & Compliance Reviews & Transformations

How We Strengthen Risk & Compliance Programs

Deliver risk & compliance program assessments to evaluate maturity
Design integrated, actionable risk and control frameworks
Enhance regulatory taxonomies and mapping
Automate testing and continuous monitoring
Implement AI-enable reporting, analytics and insights
Optimize enterprise-wide and line-of-business-specific complaint and issue management programs

Consumer Protection & Fairness

How We Enhance Consumer Protection & Fairness

Lead regulatory response and remediation to reduce supervisory impact
Quantify consumer harm and design restitution strategies
Prepare teams for exams and supervisory reviews
Analyze issues and conduct thematic reviews to identify systemic risks
Perform targeted testing on consumer protection laws and regulations throughout the product lifecycle and customer journey

Digital Compliance Transformations

How We Enable Digital Compliance Transformation

Embed regulatory requirements into system and product design from ideation through deployment
Integrate risk and compliance into agile delivery workflows for faster, safer implementation
Design and execute risk‑based compliance testing that goes beyond SIT/UAT to meet supervisory expectations
Map regulatory obligations to business rules, controls, and technical configurations
Deploy automation and AI‑enabled validation to speed testing and strengthen evidence packages
Prepare organizations for operational readiness and transition to BAU with compliant processes and governance
Support vendor evaluation and platform selection to ensure technology aligns with regulatory and control needs

Financial Services Transactions, Applications, and Charters

How We Support Transactions, Applications, & Charter Efforts

Conduct pre‑deal compliance assessments to identify risks and integration considerations
Evaluate applications, licenses, and charters against regulatory expectations
Design and integrate compliance and risk operating models for acquired or newly formed entities
Map regulatory obligations, customer commitments, and controls across products and platforms
Support regulatory engagement and submission packages throughout transactions and applications
Enable post‑deal compliance integration with aligned processes, governance, and controls
Assess readiness of products, systems, and processes for compliant launch and BAU transition

Turning fragmented compliance data into real-time execution intelligence

KPMG helped a leading U.S. bank modernize its compliance data model by deploying a technology-enabled architecture that integrates process, risk, and regulatory data. The result, deeper compliance insights and traceability, faster regulatory response, and a scalable foundation for sustainable compliance.

Client

A top ten U.S. bank

Sector

Financial services

Project

Business and risk integration

As regulatory complexity increased and operating models evolved, this leading U.S. bank faced fragmentation across compliance, risk, and process data. Information critical to manage both operational and compliance risk lived in disconnected systems, creating delays in regulatory response, limited enterprise visibility, and high manual effort across the three lines of defense.

The bank recognized that traditional documentation and static process mapping were no longer sufficient. To support sustainable growth and operational excellence, leadership set-out to reimagine compliance as a near real-time, intelligence-enabled capability to drive strategic insights.

KPMG partnered with the bank to modernize its compliance operating model, shifting from static artifacts to a dynamic, data-driven ecosystem.

Together, we helped the client:

Design an integrated process, risk, and regulatory data architecture aligned to how the business actually executes
Embed regulatory obligations, risks, and controls directly into execution-level process views
Enable automation that converts structured data into dynamic, continuously updated process intelligence
Establish enterprise alignment across Compliance, Technology, and Governance teams

Rather than layering new tools onto legacy processes, the effort focused on building a scalable digital foundation that could evolve with regulatory expectations, business growth, and emerging risks.

Outcomes that matter

The transformation delivered measurable and sustainable value:

Real-time execution visibility
Dynamic process views automatically update as underlying regulatory, risk, or control data changes

Faster regulatory response
Reduced manual effort and cycle time for regulatory change implementation and reporting

Lower operating friction across the three lines of defense
A shared, consistent source of execution insight replaced duplicative documentation

A sustainable compliance model
A governance framework designed to scale with future regulatory and business change

Stronger foundation for operational resilience and sustainability
Improved traceability and transparency support long-term risk management, resilience, and responsible growth

Modern compliance transformation requires more than automation; it requires intentional data design and enterprise alignment, connecting regulatory requirements, risks, controls, and execution processes to deliver real‑time insight, reduce compliance operating friction, and enable sustainable regulatory change management.