About us

Our Story

Radhika Dholakia-Lipton founded RADD LLC. to provide financial institutions with an all-in-one level of expertise that was missing in the market: internal auditing and compliance consulting, cost-saving technology, and customized compliance solutions – all from one experienced and trusted firm.

Based in Santa Ana, California, RADD has a proven track record of success with clients nationwide.

Our mission is to help financial institutions translate their vision into actions that optimize returns while mitigating risk and protecting their brand’s reputation.

Radhika knows that when it comes to internal auditing and experience matters. Her own impressive background spans all phases of compliance, operations, and risk management for leading financial institutions and is rivaled only by the experience and credentials of her hand-picked team of former senior compliance leaders and examiners, averaging 25 years of industry experience.

The RADD team diligently stays abreast of regulatory trends and regularly speaks at conferences and shares their expertise via whitepaper and educational webinars.

A banking industry veteran, Radhika has personally been responsible for helping several banking institutions successfully pass their regulatory examinations and excels in policy and procedure development, audit management, and leveraging technology to streamlining processes and reduce costs.

With RADD – Risk Advisory, Direction and Delivery – clients have access to internal auditing expertise and a compliance consultant partner passionately obsessed with avoiding and remedying issues. Knowing that no two financial institutions are alike, we listen and customize the right approach and team to meet your unique needs.

With the RADD team on your side, you can transfer your worries about regulatory compliance to us – letting you focus on what your organization does best.

Meet Our Team

RADHIKA DHOLAKIA-LIPTON

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Founder – Radhika has more than 31 years of experience in the banking industry, with an impressive background spanning all phases of compliance, operations, and risk management for leading financial institutions. Radhika has been responsible for helping several banking institutions successfully pass their regulatory examinations. She excels in policy and procedure development, audit management, and streamlining processes through the use of technology. Prior to stating her own compliance and internal audit firm, Radhika held position such as Program Director of Retail Audit for Cititgroup, Chief Banking Officer, Chief Compliance Officer, Chief Risk Officer and BSA Officer. She has experience in working with large institutions to starting a de novo. Radhika is active in the speaking circuit and regularly presents on risk management topics including banking high-risk programs. Radhika is passionate about what she does and dedicated to the success of her clients.

RITA WARD

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Regulatory Audit and Compliance Director – Rita Ward has 16 years of regulatory audit and compliance experience in the private and public sectors of finance, 5 years of which she was dealing with the CFPB and DOJ directly. She has worked with small lenders (Westlake Financial), credit unions (First Financial Credit Union), commercial banking (Commonwealth Business Bank, Bank of Hope), big banks (Wells Fargo, CIT), and many others. She has limitless experience in compliance, internal audit (Banking, Mortgage, Commercial and Consumer Lending, Compliance Management System, Financial, Vendor Management, Due Diligence, Servicing/Subservicing, and SOX). She has assisted in writing policies and procedures for overarching processes. Along with assisting clients to address Matters Requiring Attention (MRA) from regulatory institutions.

financial compliance firm

DANA POLENTZ

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Director of Internal Audit – CPDSE, CISA, PECB – Dana Polentz has over 25 years of experience in the financial services industry, with 10 of those providing internal audit services. She is well-rounded in various Compliance, Lending, SOX, and Information Technology Audits. Additionally, she has served as Senior Audit Manager for several large financial institutions. She is also well versed in SOC 1, SOC 2, and SOC 2 audits, and accounting audits. She holds the following certifications: Certified Data Privacy Solutions Engineer (CDPSE), PECB Certified ISO/IEC 270001 Lead Auditor, and Certified Information Security Auditor (CISA). Dana is a member of the Information Systems Audit and Control Association and a CIA candidate for the Institute of Internal Auditors

GLYENIS HART

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Senior Consultant – Glyenis Hart has over 30 years of banking experience. Prior to joining RADD, Mrs. Hart served as Senior Vice President, Director of Operations of California First National Bank, from November 2015 to July 2021. Prior to this, Mrs. Hart has held similar positions at a variety of community banks with the assets size ranging from $200 million to $1billion, with responsibilities which include, managing Central Operations, Branch Operations, IT Manager, BSA Officer and Deposit Compliance Officer.

JAY JANNISE

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Senior Consultant – Jay Jannise has more than 20 years of financial technology delivery and management experience with 16 of those years leading banks in the management and strategic direction of information technology and information security. He has held the position of Chief Information Technology Officer, Director of IT and Information Security at two Commercial Banks. He has been a independent contractor and has worked in the Bank service bureau industry.

KATEY PROEFKE

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NCCO, NCRM, CUCE, BSACS – Katey Proefke has more than 30 years of financial institution compliance experience focused on credit unions. She has worked for mortgage lenders/brokers, banks and credit unions. Katey has held the title of Chief Compliance Officer, Director and Assistant Vice President at these institutions. Most recently, she was the Chief Compliance Officer for a $3.5 billion credit union where she created the compliance department from the ground up. This included creating and maintaining the following functions: vendor management program, regulatory change process, compliance monitoring, BSA program and a comment letter process. Katey is the Vice President of the Credit Union Compliance Professionals group that meets monthly in Southern California.

FIDEL MICHAEL OWENS

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Senior Consultant – Michael operates with integrity and passion for building mutually beneficial relationships have been the hallmark of Michael’s 25+ year career in banking/financial markets. Extensive audit and compliance expertise in banking operations, fraud/disputes as well as real estate and mortgage. Additionally, a skilled Compliance Tester with the ability to create test scripts for the various regulations as it relates to Consumer Banking Operations for Mortgage Origination and Deposits.

BRENDA TURSUGIAN

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Senior Auditor – Brenda Tursugian has over 28 years of experience in the financial services industry, with 14 of those providing internal audit services. She has worked for both small and more significant financial institutions domiciled in Southern California. She has extensive expertise in auditing Branch, Central Operations, Loss Prevention, Deposit Compliance, Electronic Banking, Remote Deposit Capture, Mobile Banking, Mobile Deposit, Automated Clearing House (ACH), and Human Resources.

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Over 9 years in Audit, IT Risk, Data
Security, and Compliance

Leads and manages compliance, operational, financial and information
systems audits including but limited to; ACH, Central Operations, OFAC/BSA, Branch, Wires, Commercial and Consumer Lending, SOC, ISO, SOX / ICFR, HIPAA, and GDPR.

Extensive background in all stages of audits, including audit planning
(Readiness Assessments) managing an audit program; study, evaluation, and testing of controls; reporting; and follow-up actions.

Completed SOX testing for key general IT controls (ITGCs), IT application
controls (ITACs), and key reports (IPE) identified in the walkthrough
process.

Coordinated the testing approach and aligned expectations with external auditors to ensure documentation and testing complied with industry standards and allowed for reliance by the external auditors.

Researched and assessed deficiencies identified and worked with Management to identify an appropriate solution; Followed-up on remediation activities to verify appropriate resolution.

Developed, executed and managed Branch audit program, including plan
development, interviews with executive management and evaluation of
results.

RISK ADVISORY, DIRECTION & DELIVERY

“We will help you optimize your returns, mitigate risk and protect your brand”