What is Comply-YES! ?

We are a Credit Union Service Organization redefining compliance one YES! at a time by providing compliance support and services to credit unions that are YES! Oriented, Solution Driven, Relationship Focused, and Aligned with YOUR Strategy in Mind. Our industry experts can manage your compliance program for you so you can focus on what matters most: serving your members!

Comply-YES! Brochure

Keep in compliance



Why outsource?

The never-ending world of compliance is constantly changing. Navigating this winding road can be time consuming and costly. Finding and retaining professionals with the knowledge and expertise to manage compliance is becoming increasingly difficult. Comply-YES! can provide continuity in your compliance program strengthening its overall effectiveness in a cost-effective manner.

Value Proposition!


Press Release Q3 2021 - New Allies

Compliance as member service

Comply-YES! Announces Official Launch

Comply-YES! Becomes a CUNA Associate Business Member

Stay on top



All-inclusive compliance outsourcing solutions

Whether you have an open compliance position or just need additional help or support, Comply-YES! offers a cost-effective alternative that puts YOU in control. You determine the number of hours and compliance services and we do the work for you so you can focus on what matters most: serving your members!

Compliance Services Include:

  • Staff and director training
  • Marketing compliance
  • Policy and procedure development, review, and maintenance
  • Compliance Management System (CMS) development, implementation, and management
  • Development of policy governance program and centralized policy manual
  • Product and service compliance review and analysis
  • Management internal audits and examination management and remediation
  • Compliance help line
  • Participate in meetings as a compliance stakeholder
  • Oversight reporting to executive management and the board
  • Development and maintenance of a forms management program
  • Member compliant tracking and resolution
  • Collaboration with management and staff related to compliance matters
  • Review, analysis, and implementation of regulatory changes
  • and much more…

We also offer the following auditing and consulting services:

  • Bank Secrecy Act audits
  • Compliance Management System audits
  • Deposit compliance audits
  • Lending compliance audits
  • Marketing website compliance reviews
  • Functional, alignment, and resource allocation reviews

So take a vacation from your compliance worries and let our industry experts manage your compliance program so you can focus on what matters most: serving your members and customers. Contact us today!

Who we work with



With Comply-YES! you are not a client, customer, or source of revenue, and Comply-YES! is not a vendor or third party. Together, we are Allies striving for the same goals and mission: Your goals and mission. Comply-YES! is on your team with your strategic goals, mission, and vision in mind approaching compliance from a point of “YES! you can” and not “no you cannot.”


Comply-YES! is honored to have formed Ally relationships with the following credit unions and credit union service providers*:

  • Team One Credit Union
    $677 million, Saginaw, MI
  • 4Front Credit Union
    $742 million, Traverse City, MI
  • Explorers Credit Union
    $87 million, Yankton, SD
  • Credit Union ONE
    $1.6 billion, Ferndale, MI
  • Jolt Credit Union
    $400 million, Saginaw, MI
  • Community Choice Credit Union
    $1.5 billion, Farmington Hills, MI
  • People Driven Credit Union
    $338 million, Southfield, MI
  • Community Alliance Credit Union
    $115 million, Livonia, MI
  • Four Points Credit Union
    $157 million, Omaha, NE
  • LOC Federal Credit Union
    $302 Million, Farmington, MI
  • CARO Federal Credit Union
    $112 Million, Columbia, SC
  • Share One, INC.
    Credit Union Service Organization, Memphis TN
  • TLC Community Credit Union
    $686 Million, Adrian, MI
  • Astera Credit Union
    $191 Million, Lansing, MI
  • Alliance Catholic Credit Union
    $602 Million, Farmington Hills, MI
  • Federal Employees of Chippewa County Credit Union
    $14 Million, Sault Sainte Marie, MI
  • Financial Plus Credit Union
    $786 million, Flint, MI
  • OUR Credit Union
    $383 Million, Royal Oak, MI
  • Isabella Community Credit Union
    $188 Million, Mt. Pleasant, MI
  • Centra Credit Union
    $1.9 Billion, Columbus, IN
  • Daviess County Teachers Credit Union
    $63 Million, Owensboro, KY
  • Parda Credit Union
    $$253 Million, Auburn Hills, MI

*Includes prior ala carte only allies

We are here to help




Stephen Dedene, CUCEStephen Dedene, CUCE, BSACS

A Credit Union Compliance Expert with over 17 years experience including branch management, member services, process improvement, loss prevention, advocacy, risk management and compliance. Most recently served as the Vice President of Compliance and Risk for Credit Union ONE, a $1.6 billion Michigan state chartered credit union. Served on the Michigan Credit Union League State and Federal Issues Working Group as a co-chair, Government and Political Affairs Forum, PAC Trustee Board, Michigan Credit Union Act Working Group, and Executive Committee of the Oakland County Chapter of Credit Unions. Recognized as the 2019 CUNA Compliance Champion of the Year. Has been recognized by the Credit Union Journal for political advocacy and by the Credit Union Times for work on ATM skimming legislation.


I have a Bachelor of Arts degree from Oakland University (Rochester, MI) in Political Science and am currently pursuing a Juris Master Degree at Florida State State College of Law where I expect to receive my degree in April 2021.


Melissa Osborn, CUCEMelissa Osborn, CUCE, BSACS

I entered the credit union world in 2011 when I started in the Government Affairs department of the Michigan Credit Union League. After a few years I moved into the Regulatory and Legislative Affairs Specialist position which I held for 5 years at the league prior to joining Comply-Yes!. While at the Michigan Credit Union League I acquired extensive experience in the positions I’ve held. I gained valuable skills in Political Affairs and lobbying on behalf of the league before moving into regulatory affairs where I helped Michigan Credit Unions with regulatory advocacy and answering their compliance questions. I developed a domestic violence recovery loan program which was published by Filene. I have also had the privilege of training the World Council of Credit Unions’ staff and Ukrainian credit union trade associations on gender discrimination in lending, and Ukrainian regulators on the U.S. Regulatory System.


Before my time at the Michigan Credit Union League I worked in Communications at the Michigan House of Representatives and in 2007 I earned my Bachelor of Science degree in Interdisciplinary Studies in Social Science from Michigan State University.


Sara Cottle, CBAP, CCBCO, CCUESara Cottle, CBAP, CCBCO, CCUE

Sara began her career in the credit union industry in 1999 as a teller. Throughout her 17 years of service, in a small asset sized credit union, she served in a wide variety of roles. Sara is a 2015 graduate of Lake Superior State University with an Associate Degree in Business Administration. She received a Certified Credit Union Executive designation from CUNA in 2010 and later a Credit Union Compliance Expert certification. She served as Legislative Affairs Representative for the U.P. Chapter of Michigan Credit unions, which provided her the opportunity to travel and talk with lawmakers and promote the awareness of small, rural credit unions, and the members they serve. In 2018, Sara was hired at a community bank in Sault Ste. Marie where she served as the Compliance Officer, BSA/AML Officer, Vendor Management Officer, CRA Officer, and Marketing Manager. While in this role, she also obtained her certifications in Banking BSA/AML and Banking Compliance management.