What is Comply-YES! ?

We are a Credit Union Service Organization providing compliance outsourcing and services to credit unions and community banks that are YES! Oriented, Solution Driven, Relationship Focused, and Aligned with YOUR Strategy in Mind. Our industry experts can manage your compliance program so you don't have to, allowing you to focus on what matters most, serving your members and customers!


What Is Comply-YES!

Faces Behind ComplyYES!

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!


Compliance as member service

The importance of compliance education

Five ways to get your message to lawmakers


Stay on top



All-inclusive compliance outsourcing solution with potential FTE savings of up to 60%.

Ala carte offerings, including:

  • BSA Audits
  • Compliance Management System audits and reviews
  • Monitoring of changes to laws and regulations
  • Change implementation related to new or amended laws or regulations
  • Marketing review and compliance
  • Policy and procedure review and development
  • CMS and BSA program development
  • Compliance and regulatory assistance center
  • Compliance training for staff, executive management, and directors
  • Member compliant administration
  • Audit and examination administration and management
  • Form and disclosure management
  • Development of a compliance resource library
  • Quality control reviews
  • Compliance, Risk, and BSA resource allocation review and alignment
  • Other tailor made solutions to meet your needs

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 simply a client, customer, or source of revenue and Comply-YES! is not simply a vendor or third party. 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 thrilled to have formed Ally relationships with the following credit unions:

  • 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

We are here to help




Stephen Dedene, CUCEStephen Dedene, CUCE, BSACS
Video Bio

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
Video Bio

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.

Questions? Contact Us today!