About Us

Who is Comply-YES! ?

About Us

The authority on credit union compliance, Comply-YES! is a CUSO providing credit unions with a vacation from their compliance worries through customized and cost-effective compliance outsourcing and audit services. Whether your credit union has an open compliance position, needs additional compliance help, or compliance related audits, Comply-YES! performs the work so your credit union can focus on what matters most: Serving your members.

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Steve Dedene

Steve is an expert in Credit union compliance with over 20 in the credit union industry and over 15 years in credit union compliance. Before joining Comply-YES!, Steve was the Vice President of Compliance and Risk for Credit Union ONE, a Michigan chartered credit union. Steve previously served on several committees, including the Michigan Credit Union League State and Federal Issues Working Group, Government and Political Affairs Forum, PAC Trustee Board, Michigan Credit Union Act Working Group, and Oakland County Chapter of Credit Unions. Steve has been recognized by the credit union journal for political advocacy, the Credit Union Times for work on ATM skimming legislation, and as CUNA’s 2019 Compliance Champion of the Year.


Steve has a Bachelor of Arts degree from Oakland University (Rochester, MI) in Political Science and a Juris Master’s degree in Financial Regulation and Compliance from the Florida State University College of Law.

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Melissa Osborn

Melissa entered the credit union world in 2011 when she started in the Government Affairs department of the Michigan Credit Union League. After a few years Melissa moved into the Regulatory and Legislative Affairs Specialist position which she held for 5 years at the league prior to joining Comply-Yes!. While at the Michigan Credit Union League Melissa acquired extensive credit union related experience. Melissa gained valuable skills in Political Affairs and lobbying on behalf of the league before moving into regulatory affairs where she helped Michigan Credit Unions with regulatory advocacy and answering their compliance questions. Melissa developed a domestic violence recovery loan program which was published by Filene and 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 her time at the Michigan Credit Union League Melissa worked in Communications at the Michigan House of Representatives and in 2007 and earned her Bachelor of Science degree in Interdisciplinary Studies in Social Science from Michigan State University.

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Sara Cottle

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.

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