--- title: Five Nines Blog | Banking description: Banking | --- [Skip to the main content.](https://blog.fivenines.com/topic/banking/page/1#main-content) 1-855-817-5959    [help@fivenines.com](mailto:help@fivenines.com) [![FN\_Reverse\_Logo](https://blog.fivenines.com/hs-fs/hubfs/FN_Reverse_Logo.png?width=3022&height=849&name=FN_Reverse_Logo.png "FN_Reverse_Logo")](https://fivenines.com/) [![FiveNinesPrimaryLogo](https://blog.fivenines.com/hs-fs/hubfs/FiveNinesPrimaryLogo.png?width=3022&height=849&name=FiveNinesPrimaryLogo.png "FiveNinesPrimaryLogo")](https://fivenines.com/) - [Solutions](https://fivenines.com/solutions/) - [Managed IT Services](https://fivenines.com/solutions/managed-it-services/) - [Cybersecurity Services](https://fivenines.com/solutions/cybersecurity/) - [Cloud & Productivity](https://fivenines.com/solutions/cloud-productivity/) - [Projects & Enhancements](https://fivenines.com/solutions/it-projects/) - [Placement Services](https://fivenines.com/solutions/onsite-it/) - Industries - [Finance & Banking](https://fivenines.com/industries/banking/) - [Healthcare](https://fivenines.com/industries/healthcare/) - [Legal](https://fivenines.com/industries/legal/) - [Nonprofit](https://fivenines.com/industries/non-profit/) - [Manufacturing & Logistics](https://fivenines.com/industries/manufacturing-logistics/) - [Small & Mid-Sized Businesses](https://fivenines.com/industries/smb/) - [Insights](https://fivenines.com/resources/) - [Resource Library](https://fivenines.com/resources/) - [Blog](https://blog.fivenines.com) - [About](https://fivenines.com/about/) - [About Five Nines](https://fivenines.com/about/) - [Leadership Team](https://fivenines.com/our-team/) - [Community Impact](https://fivenines.com/community/) - [Partnerships](https://fivenines.com/partnerships/) - [Careers](https://fivenines.com/careers/) - [Company News](https://fivenines.com/news/) Let's Talk Get Support Toggle Menu Toggle Menu Let's Talk Get Support - [Solutions](https://fivenines.com/solutions/) - [Managed IT Services](https://fivenines.com/solutions/managed-it-services/) - [Cybersecurity Services](https://fivenines.com/solutions/cybersecurity/) - [Cloud & Productivity](https://fivenines.com/solutions/cloud-productivity/) - [Projects & Enhancements](https://fivenines.com/solutions/it-projects/) - [Placement Services](https://fivenines.com/solutions/onsite-it/) - Industries - [Finance & Banking](https://fivenines.com/industries/banking/) - [Healthcare](https://fivenines.com/industries/healthcare/) - [Legal](https://fivenines.com/industries/legal/) - [Nonprofit](https://fivenines.com/industries/non-profit/) - [Manufacturing & Logistics](https://fivenines.com/industries/manufacturing-logistics/) - [Small & Mid-Sized Businesses](https://fivenines.com/industries/smb/) - [Insights](https://fivenines.com/resources/) - [Resource Library](https://fivenines.com/resources/) - [Blog](https://blog.fivenines.com) - [About](https://fivenines.com/about/) - [About Five Nines](https://fivenines.com/about/) - [Leadership Team](https://fivenines.com/our-team/) - [Community Impact](https://fivenines.com/community/) - [Partnerships](https://fivenines.com/partnerships/) - [Careers](https://fivenines.com/careers/) - [Company News](https://fivenines.com/news/) # Five Nines Blog #### Five Nines Experts Sharing Actionable IT Advice   Filter by Tag Show All AI Banking Business Continuity Case Studies Clinical IT Cloud Infrastructure Company Awards Compliance Copmany News Cyber Insurance Cybersecurity Finance Five Nines HIPPA Compliance Healthcare IT Services IT Tips & Tricks Incident Response Mobile Device Management Multi-Factor Authentication Office 365 Phishing Ransomware Strategic Planning Tech Operations Insights Tech Trends Virtual CIO Webinars ### Banking [![Operating Cost of Fair Lending Testing for AI Underwriting Models](https://blog.fivenines.com/hs-fs/hubfs/blog/taya-migration/7-ai-fair-lending-testing-cost-coo.docx.png?width=960&height=540&name=7-ai-fair-lending-testing-cost-coo.docx.png)](https://blog.fivenines.com/operating-cost-of-fair-lending-testing-for-ai-underwriting-models) #### [Operating Cost of Fair Lending Testing for AI Underwriting Models](https://blog.fivenines.com/operating-cost-of-fair-lending-testing-for-ai-underwriting-models) Why Traditional Fair Lending Testing Doesn't Catch AI-Specific Risk A community bank COO who has overseen fair lending testing programs for years knows the core pattern. The bank... 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The pattern is familiar... [Business Continuity](https://blog.fivenines.com/topic/business-continuity) [Tech Operations Insights](https://blog.fivenines.com/topic/tech-operations-insights) [Banking](https://blog.fivenines.com/topic/banking) [AI](https://blog.fivenines.com/topic/ai) [Read More](https://blog.fivenines.com/what-hud-ai-appraisal-bias-settlements-cost-mortgage-active-community-banks) [![How Regulators View AI Adoption at Community Banks Today](https://blog.fivenines.com/hs-fs/hubfs/blog/taya-migration/50-ai-bank-regulator-ceo.docx.png?width=960&height=540&name=50-ai-bank-regulator-ceo.docx.png)](https://blog.fivenines.com/how-regulators-view-ai-adoption-at-community-banks-today) #### [How Regulators View AI Adoption at Community Banks Today](https://blog.fivenines.com/how-regulators-view-ai-adoption-at-community-banks-today) The Four Regulatory Dimensions of AI That Community Banks Need to Plan For Model risk management: explainability, validation, monitoring of AI decisions. Fair lending: AI must not... [IT Services](https://blog.fivenines.com/topic/it-services) [Tech Operations Insights](https://blog.fivenines.com/topic/tech-operations-insights) [Banking](https://blog.fivenines.com/topic/banking) [AI](https://blog.fivenines.com/topic/ai) [Read More](https://blog.fivenines.com/how-regulators-view-ai-adoption-at-community-banks-today) [![Why Credit Unions Need a Different IT Operating Model Than Commercial Banks](https://blog.fivenines.com/hs-fs/hubfs/blog/taya-migration/49-credit-union-it-model-ceo.docx.png?width=960&height=540&name=49-credit-union-it-model-ceo.docx.png)](https://blog.fivenines.com/why-credit-unions-need-a-different-it-operating-model-than-commercial-banks) #### [Why Credit Unions Need a Different IT Operating Model Than Commercial Banks](https://blog.fivenines.com/why-credit-unions-need-a-different-it-operating-model-than-commercial-banks) The Four Ways Credit Union IT Differs From Community Bank IT Member-data handling: credit unions hold member data under different obligations. Cooperative service relationships:... [IT Services](https://blog.fivenines.com/topic/it-services) [Strategic Planning](https://blog.fivenines.com/topic/strategic-planning) [Tech Operations Insights](https://blog.fivenines.com/topic/tech-operations-insights) [Banking](https://blog.fivenines.com/topic/banking) [Read More](https://blog.fivenines.com/why-credit-unions-need-a-different-it-operating-model-than-commercial-banks) [![The Cyber Risk Questions a Bank Board Should Be Asking the CEO Every Quarter](https://blog.fivenines.com/hs-fs/hubfs/blog/taya-migration/45-board-cyber-questions-ceo.docx.png?width=960&height=540&name=45-board-cyber-questions-ceo.docx.png)](https://blog.fivenines.com/the-cyber-risk-questions-a-bank-board-should-be-asking-the-ceo-every-quarter) #### [The Cyber Risk Questions a Bank Board Should Be Asking Every Quarter](https://blog.fivenines.com/the-cyber-risk-questions-a-bank-board-should-be-asking-the-ceo-every-quarter) Why the Questions the Board Asks Matter as Much as the Answers A community bank CEO walking into the next quarterly board meeting with a cyber update on the agenda has a choice.... [Business Continuity](https://blog.fivenines.com/topic/business-continuity) [Tech Operations Insights](https://blog.fivenines.com/topic/tech-operations-insights) [Banking](https://blog.fivenines.com/topic/banking) [Read More](https://blog.fivenines.com/the-cyber-risk-questions-a-bank-board-should-be-asking-the-ceo-every-quarter) [![What ](https://blog.fivenines.com/hs-fs/hubfs/blog/taya-migration/44-audit-ready-meaning-ceo.docx.png?width=960&height=540&name=44-audit-ready-meaning-ceo.docx.png)](https://blog.fivenines.com/what-audit-ready-actually-means-in-2026-community-banking) #### [What "Audit-Ready" Actually Means in 2026 Community Banking](https://blog.fivenines.com/what-audit-ready-actually-means-in-2026-community-banking) Why "Audit-Ready" Doesn't Mean What It Did a Decade Ago A community bank CEO walking into an executive discussion about audit readiness is rarely framed as a definitional... [Strategic Planning](https://blog.fivenines.com/topic/strategic-planning) [Finance](https://blog.fivenines.com/topic/finance) [Tech Operations Insights](https://blog.fivenines.com/topic/tech-operations-insights) [Banking](https://blog.fivenines.com/topic/banking) [Read More](https://blog.fivenines.com/what-audit-ready-actually-means-in-2026-community-banking) [![How a Bank IT Exam Unfolds: A Week-by-Week Walkthrough for the C-Suite](https://blog.fivenines.com/hs-fs/hubfs/blog/taya-migration/43-bank-it-exam-week-by-week-ceo.docx.png?width=960&height=540&name=43-bank-it-exam-week-by-week-ceo.docx.png)](https://blog.fivenines.com/how-a-bank-it-exam-unfolds-a-week-by-week-walkthrough-for-the-c-suite) #### [How a Bank IT Exam Unfolds: A Week-by-Week Walkthrough for the C-Suite](https://blog.fivenines.com/how-a-bank-it-exam-unfolds-a-week-by-week-walkthrough-for-the-c-suite) Why CEOs Who Understand the Exam Sequence Get Better Exam Reports A community bank CEO walking into the next FFIEC IT exam often inherits the experience secondhand. The compliance... [Finance](https://blog.fivenines.com/topic/finance) [Tech Operations Insights](https://blog.fivenines.com/topic/tech-operations-insights) [Banking](https://blog.fivenines.com/topic/banking) [Read More](https://blog.fivenines.com/how-a-bank-it-exam-unfolds-a-week-by-week-walkthrough-for-the-c-suite) [![What FFIEC Actually Requires of a Community Bank, in Plain English](https://blog.fivenines.com/hs-fs/hubfs/blog/taya-migration/41-ffiec-explained-ceo.docx.png?width=960&height=540&name=41-ffiec-explained-ceo.docx.png)](https://blog.fivenines.com/what-ffiec-actually-requires-of-a-community-bank-in-plain-english) #### [What FFIEC Actually Requires of a Community Bank, in Plain English](https://blog.fivenines.com/what-ffiec-actually-requires-of-a-community-bank-in-plain-english) What Every Community Bank CEO Should Know Before the First FFIEC IT Exam A community bank CEO who has lived through one FFIEC IT exam knows the experience. A small team of... [Finance](https://blog.fivenines.com/topic/finance) [Tech Operations Insights](https://blog.fivenines.com/topic/tech-operations-insights) [Banking](https://blog.fivenines.com/topic/banking) [Read More](https://blog.fivenines.com/what-ffiec-actually-requires-of-a-community-bank-in-plain-english) [![What Good Looks Like: A Community Bank's Annual Cyber Budget Defense to the Board](https://blog.fivenines.com/hs-fs/hubfs/blog/taya-migration/39-good-annual-cyber-budget-defense-cfo.docx.png?width=960&height=540&name=39-good-annual-cyber-budget-defense-cfo.docx.png)](https://blog.fivenines.com/what-good-looks-like-a-community-banks-annual-cyber-budget-defense-to-the-board) #### [What Good Looks Like: A Community Bank's Annual Cyber Budget Defense to the Board](https://blog.fivenines.com/what-good-looks-like-a-community-banks-annual-cyber-budget-defense-to-the-board) The Six Components a Board Budget Defense Package Should Include Regulatory obligation summary tied to FFIEC framework expectations. Exposure analysis with bank-specific dollar... [Business Continuity](https://blog.fivenines.com/topic/business-continuity) [Tech Operations Insights](https://blog.fivenines.com/topic/tech-operations-insights) [Banking](https://blog.fivenines.com/topic/banking) [Read More](https://blog.fivenines.com/what-good-looks-like-a-community-banks-annual-cyber-budget-defense-to-the-board) [![What Good Looks Like: A Credit Union Board's Cyber Oversight Committee](https://blog.fivenines.com/hs-fs/hubfs/blog/taya-migration/38-good-credit-union-cyber-committee-ceo.docx.png?width=960&height=540&name=38-good-credit-union-cyber-committee-ceo.docx.png)](https://blog.fivenines.com/what-good-looks-like-a-credit-union-boards-cyber-oversight-committee) #### [What Good Looks Like: A Credit Union Board's Cyber Oversight Committee](https://blog.fivenines.com/what-good-looks-like-a-credit-union-boards-cyber-oversight-committee) The Five Elements a Cyber Oversight Committee Must Actually Operate Documented charter naming committee responsibilities. Qualified members with documented cyber training. Meeting... [Business Continuity](https://blog.fivenines.com/topic/business-continuity) [Tech Operations Insights](https://blog.fivenines.com/topic/tech-operations-insights) [Banking](https://blog.fivenines.com/topic/banking) [Read More](https://blog.fivenines.com/what-good-looks-like-a-credit-union-boards-cyber-oversight-committee) [1](https://blog.fivenines.com/topic/banking/page/1) [2](https://blog.fivenines.com/topic/banking/page/2) [3](https://blog.fivenines.com/topic/banking/page/3) [4](https://blog.fivenines.com/topic/banking/page/4) [5](https://blog.fivenines.com/topic/banking/page/5) [Next](https://blog.fivenines.com/topic/banking/page/2) ### Topics [Cybersecurity](https://blog.fivenines.com/topic/cybersecurity) [Outsourced IT](https://blog.fivenines.com/topic/outsourced-it) [IT Tips & Tricks](https://blog.fivenines.com/topic/it-tips-tricks) [Business Continuity](https://blog.fivenines.com/topic/business-continuity) [Strategic Planning](https://blog.fivenines.com/topic/strategic-planning) --- ![email icon](https://blog.fivenines.com/hs-fs/hubfs/email%20icon.png?width=70&height=57&name=email%20icon.png) ### Stay Informed Subscribe to our newsletter to get fresh insights delivered to your inbox. ## Let's get in touch   [**(402) 817-2630**](tel:402-817-2630) [help@fivenines.com](mailto:help@fivenines.com) [Lincoln, NE](https://fivenines.com/contact/lincoln) [Omaha, NE](https://fivenines.com/contact/omaha) [Kearney, NE](https://fivenines.com/contact/kearney) [Central City, NE](https://fivenines.com/contact/central-city) [St. Louis, MO](https://fivenines.com/st-louis) ![cyberverify-1](https://blog.fivenines.com/hs-fs/hubfs/cyberverify-1.png?width=110&height=110&name=cyberverify-1.png)![aicpa](https://blog.fivenines.com/hs-fs/hubfs/aicpa.png?width=110&height=110&name=aicpa.png) ### Are we a good fit? 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