In 1944, Thomas Saltmarsh, Harold Cleaveland, and Charles Gund pooled their talents and modest resources to form a partnership for the practice of accounting. Their success was attributed to their guiding principles of honesty and integrity, accuracy and thoroughness, quality client service and most importantly, the belief that service to the community is an individual, as well as a corporate, responsibility. Our first client was a community bank, and, today, banking remains a significant part of our firm's commitment and expertise. We take pride in building long-lasting relationships and have been nationally recognized by Forbes, Accounting Today and INSIDE Public Accounting as an industry leader, and we consistently earn 'world class' Net Promoter Scores from our bank clients. Visit www.thebankadvisors.com to learn more and sign up to receive free reports, regulatory updates, and access to our CFO roundtables and accounting-focused training events. 

Saltmarsh Cleaveland & Gund has deep roots in banking. Our first Tax & Audit client in 1944 was a community bank, and we continue to serve banks well in this capacity today. But what makes us so unique is our FI Consulting team, which exclusively helps banks assess, improve, and maintain their internal controls and compliance programs. Our 25+ consultants work in their specialty and certified practice area(s), whether ALM/IRR, Liquidity, Internal Audit, AML/BSA, Deposit Compliance, Loan Compliance, Fair Lending, e-Banking, IT, Cyber/Information Security, Loan Review, Marketing, Model Validations, Trust/Fiduciary, Vendor Management, or other deep dive areas, so our clients can engage one vendor and get ongoing access to trusted expertise throughout their bank. We serve qualified clients throughout the U.S., both in-person and remotely. We take pride in building long-lasting relationships and have been nationally recognized by Forbes, Accounting Today and INSIDE Public Accounting as an industry leader. Call us or visit www.thebankadvisors.com to learn more and sign up to receive free reports, regulatory updates, and training events. 

Sometimes, compliance simply means being fair with your clients and community. But many times, requirements are complicated and less intuitive. Statutes and regulations are often written by non-bankers, and implementation can be a challenge. Our Financial Institution team is led by a BSA and regulatory compliance attorney and is staffed with experienced and certified professionals in BSA and regulatory compliance. We regularly engage in outreach and consider it our calling to train and advise the industry on complex regulatory requirements and best practices. Whether you need help with training, assessing new products or services, managing staffing challenges, drafting policies & procedures, performing internal monitoring, or performing independent audit testing, Saltmarsh is here to help. We take pride in building long-lasting relationships and consistently earn 'world class' Net Promoter Scores from our bank clients. Sign up at www.thebankadvisors.com to receive regulatory updates and invitations to our free compliance-focused events, or interact with us and others in our private Facebook group, 'Saltmarsh Bank Talk'. 

The fiduciary duty is the highest standard of care in equity or law. Tennessee is a top trust jurisdiction, and Tennessee banks that offer trust and wealth management services are thriving. Saltmarsh works with trust departments and independent trust companies to identify risks and test controls over the compliance, operational, and administrative requirements of this noble industry. As the 'right size' regional accounting & consulting firm, Saltmarsh is a trusted advisor partner in helping you help your clients live their best lives. Our core services include the risk assessment, BSA/AML independent test, and internal/fiduciary audit, and we stay connected with the current issues facing the industry through industry associations and conferences, and facilitation of quarterly Saltmarsh Trust Control Council Teams meetings. Saltmarsh takes pride in building long-lasting relationships and we consistently earn 'world class' Net Promoter Scores from our banking and trust clients.