For Community Bank CIOs, CISOs & CROs

FFIEC exams shouldn't be a fire drill.

Rozmith runs IT, cybersecurity, GRC, and M&A integration for community and regional banks as one accountable team. FFIEC-mapped, board-grade reporting, vendor risk on a real cadence. GuidePoint-grade governance, regional-firm pricing.

The Pain

FFIEC is getting heavier. Premiums are getting higher. The stack is sprawling.

The community bank IT model used to work — a small team, a long-standing MSP, an annual audit. That model is bending. Examiners want continuous evidence. Cyber insurance carriers want CIS controls. The board wants a dashboard that means something. And you're absorbing a branch or two while you do it.

01 — Exam Pressure

FFIEC IT exam scope keeps expanding

Information security, business continuity, vendor management, retail payments, wholesale payments, governance. The handbook is bigger than the IT team that has to answer to it.

02 — Cyber Insurance

Premiums up, controls demanded, coverage shrinking

Carriers want CIS IG2 / IG3, EDR, MFA everywhere, immutable backups, IR retainer. If you can't evidence them, you don't get the renewal — or you pay double.

03 — Vendor Risk

Third-party risk programs that exist on paper

FFIEC and the OCC want evidence you're actually monitoring critical vendors. Most banks have a spreadsheet, an annual questionnaire, and a prayer. Examiners notice.

04 — M&A Activity

You're absorbing — and IT is the last team consulted

Branch acquisitions, whole-bank mergers, fintech partnerships. IT diligence happens late, integration goes long, and the regulatory clock keeps ticking.

How We Work

We don't open with the MSP pitch. We open with the assessment.

Your existing MSP is probably doing the help-desk job fine. The question is whether the rest of the stack — security, GRC, vendor risk, M&A — is built for an FFIEC exam in 2026. We come in for an assessment. With audit-grade evidence, we show you what's actually broken. Then we have an honest conversation.

"You need brake pads. A rotation. A few other things." That's the conversation. With evidence. Not vibes.

1

Assessment

FFIEC-aligned IT + cyber gap analysis. Optional pen test, phishing campaign, or vendor-risk audit.

2

Evidence

You get a findings package an examiner would respect. Mapped to FFIEC, NIST CSF, CIS, and your cyber-insurance application.

3

Remediation

We close the gaps. Either you run our playbook in-house, or we run it for you. Your call.

4

Run It

If it makes sense, we move into MSP / MSSP / GRC-as-a-Service. Continuous evidence, one accountable team.

Proof — Anonymized

What this looks like in production.

We don't name clients. That's the same posture we'll take with you. Here's the pattern we deliver in regulated financial services.

Pattern — Regulated Mid-Market Financial Services Client, Southeast US

From three vendors and finger-pointing to one accountable team with examiner-ready evidence.

Before: a long-standing MSP for run-the-business, a separate MSSP for SOC + EDR, a consultant for GRC who showed up six weeks before each exam. Three contracts. Three sets of finger-pointing. Repeat findings every cycle, because no single party owned the control end-to-end.

After: one team across IT, security, and GRC. Microsoft Defender XDR, CrowdStrike on the endpoints, Fortinet at the perimeter, Apptega-powered continuous evidence mapped to FFIEC IT examination, NIST CSF 2.0, and the bank's cyber-insurance control list. Board reporting on a quarterly cadence in language directors actually read.

We run regulated mid-market clients across the Southeast US. Anonymized references available under NDA.

Lead Magnet

FFIEC IT Examination Survival Guide

The prep doc we wish every community bank CIO had three months before the next exam. Free. No sales call attached — but the box is there if you want one.

  • Mapped to the FFIEC IT examination handbook booklets
  • Cross-walked to NIST CSF 2.0 and CIS Controls v8
  • Evidence checklist — what examiners ask for, in what format
  • Cyber-insurance control overlay — what carriers want to see
  • The 10 findings we see most often at banks your size, and how to close them

Talk To Us

Book a complimentary readiness review.

30 minutes. No deck. A working conversation: what your last FFIEC exam said, where the noise is, what your insurance carrier is asking for next renewal. If a paid assessment makes sense, we'll scope it. If it doesn't, we'll say so.

  • Direct conversation with a Rozmith Managing Partner
  • NDA-friendly — anonymity is our default posture
  • Calendar link inside one business day. No call-back loops.

FAQ

The questions we get from CIOs at community banks.

Do you replace our existing MSP, or work alongside one?

Either. Most engagements start as an assessment — vendor-agnostic, doesn't disturb anything. From there: keep the incumbent and bolt us on for security + GRC + M&A, or move the whole stack to one accountable team. We've done both.

How does this map to FFIEC?

We map controls to the FFIEC IT examination handbook (Information Security, Management, Audit, Business Continuity, Outsourcing, Retail and Wholesale Payments), NIST CSF 2.0, and CIS Controls v8 — through Apptega, our GRC platform of record. Evidence is continuous, not point-in-time.

What about cyber insurance?

We map the control set to what carriers actually underwrite against — EDR, MFA, immutable backups, IR retainer, privileged access, email security. When renewal time comes, you hand the carrier the same evidence pack you'd hand an examiner. Underwriters love it. Premiums respond.

What size bank do you typically work with?

Our sweet spot is $500M–$10B in assets, Southeast US. Below that the math gets tight. Above that the stack usually justifies a dedicated internal CISO that we partner with rather than replace.

We're absorbing a branch / smaller bank. Can you help with IT integration?

Yes. M&A IT integration is one of our 14 service lines. Diligence → Day-1 → carve-out → PMI → synergy. Managing Partners in the room from week one. Quest for migration tooling, Microsoft tenant work end-to-end. Acquisitions absorbed without breaking the run.

Are you Microsoft, Fortinet, CrowdStrike, etc.?

Yes — Microsoft CSP/MVP, Fortinet, Mimecast, Tanium are partners. EDR via CrowdStrike or SentinelOne depending on fit. Tenable for vulnerability and exposure. Apptega for GRC. We don't push tools we don't operate ourselves.

What's the engagement timeline?

Assessment runs 4–6 weeks. MSP/MSSP transition for a bank your size lands in 60–120 days depending on branch count and number of vendors being consolidated. We co-build the runbook with your team — there's no "go-live cliff."