This article was previously published in "MBA Insights" on May 17, 2017.
With the impending expiration of the National Flood Insurance Program and potential changes to flood policy, it is timely for lenders and servicers to strengthen their due diligence processes. In this article, A&M’s Janice DiMaria discusses the basic elements and underlying complexities facing lenders along with recommended practices that promote sustainable adherence to regulatory requirements.
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How A&M Financial Industry Advisory Services Can Help
With the depth and breadth of our Financial Industry Advisory Services team and expertise in FDPA, we can provide your organization with sound guidance and the results needed to ensure sustainable compliance.
The following is a sample of our service offerings in this area:
- Perform institution wide gap assessment
- Identify compliance and operational risks and provide recommendations to mitigate risks and enhance processes.
- Perform policy development and procedure review
- Evaluate governance and control processes
- Ensure adequate levels of defenses are in place including quality assurance and control processes and those involving third party providers
- Perform file reviews, lookback and remediation activities
- Perform quality review test scripting development and training
The Spanish Banking Pulse Q4 2025
April 22, 2026
In this edition, we share results from our research examining 10 biggest Spanish banks (“top 10”) with regard to their activities within Spain and highlight key performance indicators of the Spanish banking industry.
The Mutual Holding Company Decision: Converting Structural Flexibility into Competitive Advantage
April 22, 2026
Mutual Holding Company (MHC) conversion has emerged as a credible strategic option, offering a way to address market headwinds without sacrificing mutual identity. However, structural change alone does not guarantee improved performance. Success depends on disciplined capital deployment, targeted technology and talent investment, and the governance capability to manage greater complexity.
Insurance agency compensation in focus
April 20, 2026
Agency distribution continues to be the main distribution channel for life insurance across Asia. However, traditional agency compensation models that rely heavily on large first-year commissions (FYC) are creating challenges such as low agent activation, weak customer persistency, and shrinking margins.
Alvarez & Marsal Releases FY 2025 KSA Banking Pulse
April 16, 2026
The latest edition of the Kingdom of Saudi Arabia (KSA) Banking Pulse analyzes the FY 2025 performance of the kingdom’s ten largest listed banks. The year reflects resilience and rebalancing in the Saudi banking sector, with moderating credit growth alongside strong profitability, improved asset quality, and solid balance sheet strength, supported by a favorable macro-outlook and ongoing Vision 2030 momentum.
