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Strunk Strunk develops and implements successful profit improvement programs for Financial Institutions.

Strunk’s ODP Manager Report Archive feature eliminates routine manual exports by automatically generating and organizing...
10/21/2026

Strunk’s ODP Manager Report Archive feature eliminates routine manual exports by automatically generating and organizing secure daily PDFs of your designated standard reports in the background. Your community financial institution can safeguard audit readiness, reduce human error, and maintain long-term program oversight without adding administrative burden. Read our latest article to learn how automated report archiving can protect your audit trail and streamline daily operations.

Automate ODP Manager Reports with the archive feature after each daily extract file import.

Most exam findings at community banks are not about intent — they are about process gaps. When compliance tasks live in ...
10/14/2026

Most exam findings at community banks are not about intent — they are about process gaps. When compliance tasks live in spreadsheets, shared drives, or siloed inboxes, critical steps get missed, evidence disappears, and examiners cite control deficiencies even when the underlying work was done.

We put together a detailed look at the six most common compliance workflow gaps that lead to findings and what exam-ready processes actually look like. If your team is managing risk assessments, issue tracking, or overdraft compliance across disconnected tools, Strunk's latest article is worth reading before your next exam cycle.

Learn which gaps in compliance workflows trigger exam findings at community banks—and the practical steps to close them before examiners arrive.

Major regulatory update for community banks and credit unions: Federal agencies are rethinking Third-Party Risk Manageme...
10/07/2026

Major regulatory update for community banks and credit unions: Federal agencies are rethinking Third-Party Risk Management. The OCC, Federal Reserve Board, FDIC, and NCUA jointly issued proposed interagency guidance to replace the rigid 2023 framework and move away from "one-size-fits-all" vendor oversight. Public comments are open through November 16, 2026, with finalization expected in 2027. Read our full article for a complete breakdown of the changes and how your institution can adapt.

In regards to third-party risk management, new interagency guidance has been issued by the collective industry agencies.

Unguided officer discretion and undocumented rate exceptions in loan pricing are major red flags during fair lending exa...
10/05/2026

Unguided officer discretion and undocumented rate exceptions in loan pricing are major red flags during fair lending examinations. Regulators from the FDIC, OCC, Federal Reserve, and CFPB are increasingly focusing on the pricing stage to ensure similarly qualified borrowers receive consistent treatment. Treating loan pricing as a governed, data-backed process, rather than an informal negotiation, is the most effective way to mitigate fair lending liabilities and pass regulatory review.

Learn how bank examiners assess fair lending risk in loan pricing—covering disparate treatment, exception tracking, and the governance controls community banks need to stay compliant.

Relying on a core provider to handle your overdraft program to "save money" is a trap that puts your institution's botto...
09/23/2026

Relying on a core provider to handle your overdraft program to "save money" is a trap that puts your institution's bottom line at risk. When operating expenses represent only a fraction of total revenue, focusing on cost reduction rather than revenue optimization can prove costly. Protecting your margins requires focusing on total program performance and regulatory defense rather than shaving minor operational expenses.

Your Core Can’t Manage Your Overdraft Program. If they claim they can handle it, ask how much they'll increase overdraft fee income.

If your community bank or credit union is still managing regulatory findings, customer complaints, and internal audit it...
09/16/2026

If your community bank or credit union is still managing regulatory findings, customer complaints, and internal audit items across spreadsheets and disconnected emails, you are not alone. However, examiner expectations are shifting fast. Regulators like the OCC, FDIC, Federal Reserve, and NCUA want to see proactive, documented, and enduring remediation—not a last-minute scramble to gather evidence before an examination. Read our latest article to see how unifying your issue and incident management workflow elevates both regulatory compliance and day-to-day team productivity.

Read Strunk's latest article to find out how centralized tracking elevates compliance & efficiency with our Issue Manager software.

Intuition-based loan pricing is officially a liability for community banks and credit unions facing compressed margins a...
09/09/2026

Intuition-based loan pricing is officially a liability for community banks and credit unions facing compressed margins and rising credit costs. Shifting to a data-driven, loan-level profitability framework ensures every deal is priced for true, risk-adjusted return before it is ever booked. Moving away from competitor rate sheets toward true economic modeling protects net interest margins and ensures every loan decision aligns with institutional financial goals. Check out Strunk's Pricing Manager today!

Discover how loan-level profitability analysis helps community banks and credit unions set defensible loan prices, calculate minimum acceptable rates, and satisfy fair-lending examiners. Strunk explains.

In banking, your "busy bee" consumers, the ones constantly buzzing through daily transactions on tighter, low-balance ma...
09/02/2026

In banking, your "busy bee" consumers, the ones constantly buzzing through daily transactions on tighter, low-balance margins, are the exact group keeping the hive fed. Yet variable overdraft limit programs treat these high-activity users as a risk to be contained, inadvertently starving the bottom line. Rather than spending resources micro-managing risk for active users, financial institutions yield far better returns by letting their busiest customers transact freely within a stable, predictable framework.

Why a Variable Limit Overdraft Program Hurts Your Bottom Line? Too much focus on reducing risk & reducing charge-offs.

Navigating Regulation E opt-in requirements doesn't have to be a manual compliance headache. Ever since the Federal Rese...
08/26/2026

Navigating Regulation E opt-in requirements doesn't have to be a manual compliance headache. Ever since the Federal Reserve mandated affirmative consent for ATM and one-time debit card overdraft coverage, financial institutions have faced the challenge of maximizing coverage while remaining strictly compliant. Read the full breakdown to see how automation via ODP Manager can boost your opt-in rates and simplify compliance.

Reg E Opt-In Strategy boost coverage via ODP Manager. The software automatically identifies whether an account has opted in or has a pending election.

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Atlanta, GA
30350

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
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