Banking Software Compliance What Examiners Want to See
When examiners walk in, your internal systems can either inspire confidence - or raise red flags. But "compliance" doesn't just mean locked-down access. It means proving that your policies are followed, that your workflows are auditable, and that your software makes it easy to show what happened, when, and why.
This quick guide highlights what examiners expect when reviewing your intranet or help desk tools - especially at banks and credit unions regulated by the FDIC, NCUA, and state agencies.
1. Secure Access Controls and Change Logs
Can you prove that only authorized users had access to sensitive content? Examiners look for systems that offer:
2. Version Tracking for Policies and Forms
Stale policies are a risk. So are untracked changes. Your examiners want versioning built in:
- Automatic version control for policy pages and internal forms
- Clear visibility into what changed and when
- Retention of prior versions for reference during reviews
3. Audit-Ready Documentation for Workflows
Whether it's IT requests, vendor onboarding, or incident reports - workflows need to be traceable. Examiners may ask:
- Can you show who submitted the request and when?
- Are approvals and escalations tracked step-by-step?
- Can you pull up a complete ticket history with timestamps?
4. Role-Based Visibility to Prevent Over-Permissioning
Examiners often ask: who can see what? Over-permissioning is a common finding. Your software should:
- Limit sensitive content to only those who need it
- Display user-specific intranet views by branch, role, or department
- Document access settings for periodic review
5. Form History and Retention Policies
Whether for HR, IT, or compliance, internal forms should follow retention guidelines and provide full context. SimplifyIT tracks:
- Who submitted the form
- What they submitted - including attachments
- What actions were taken - and when
Compliance Built In - Not Bolted On
SimplifyIT was designed with banking compliance in mind. From change logs and acknowledgments to version history and access controls - you'll have what you need when the examiners ask. And more importantly, so will your team.
Common Questions
What should banking software include for FDIC or NCUA compliance?
Internal banking software should include access controls, version tracking, audit trails, role-based visibility, and form retention to meet
FDIC,
NCUA, and state-level examiner expectations.
How do I prove policy changes to an examiner?
With version history and change logs. SimplifyIT tracks each version of a policy and logs who made changes and when - making it easy to show historical edits during audits.
Can I track who viewed or acknowledged a policy?
Yes. SimplifyIT offers optional read acknowledgments and access logs, so you can prove that employees have seen critical policies or procedures when requested.
How does SimplifyIT prevent over-permissioning?
Our intranet uses role-based visibility to ensure staff only see what's relevant to them. This limits risk and aligns with examiner expectations for secure access control.
Do you support audit trails for form submissions and approvals?
Absolutely. SimplifyIT logs each form submission, approval, comment, and timestamp - creating a complete, examiner-ready trail of activity from start to finish.
