About Us

Our Mission

Who is Comply-YES! ?

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.

Comply-YES! Brochure
compliance micrographic

Chief Operating Officer

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.

Get in contact:

melissa osborn, CUCE, BSACS
Compliance Ally

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.

Get in Contact

Sara Cottle

Jessica Thelen

Jessica is an expert in building credit union programs and expanding their footprint nationally. With more then a decade of successful experience in the credit union industry, she provides credit unions with product support that helps their members thrive. Before joining Comply-YES!, Jessica was a Call Center Representative and Assistant Branch Manager at her local credit union and worked at the Michigan Credit Union League. She served on the Clinton County Chapter of Credit Unions and was a Political Action Committee supporter. Her work with the Save to Win Program earned the League the CUNA National Best Product Award in 2012 and was featured in several national trade publications. In 2015, she was a keynote speaker discussing the impact of Prize Linked Savings Programs at the New York Credit Union Association Conference.


Jessica has a Bachelor of Business Administration in Finance with a minor in sociology from Baruch University in New York. She also earned an Associates Degree from Lansing Community College in Michigan. Jessica volunteers as the Treasurer and Event Planner of her Homeowners Association and is currently working towards her Project Management Professional (PMP) certification.

Get in contact:

jessica thelen, business development specialist