IAM built for examiner scrutiny and audit readiness.
Identity governance and access management for banks, credit unions, and fintechs. We design and implement IAM programs that satisfy SOX ITGC requirements, meet FFIEC examiner expectations, and protect privileged access to core banking and financial reporting systems.
Access control is among the most frequently cited areas in financial institution examinations. Examiners look for documented processes for access provisioning and deprovisioning, evidence of periodic access reviews, segregation of duties controls, and privileged access management that limits who can do what to financial systems. Organizations that handle this well treat it as a program, not a checklist.
Yearling Solutions brings IAM practitioners who understand both the technical controls required for modern identity programs and the examiner expectations that govern access management in financial institutions. We design IAM programs that satisfy FFIEC, SOX, and PCI requirements and produce the evidence that makes examinations go smoothly.
Standards & Regulatory Context
The compliance landscape that shapes identity programs in financial services.
SOX ITGC Access Controls
IT general controls for financial reporting systems including logical access management, segregation of duties, and access review evidence.
FFIEC IT Handbook (Access Rights Management)
Examiner expectations for user access management including provisioning, deprovisioning, access reviews, and privileged account controls.
GLBA Safeguards Rule
Access control requirements for customer financial information systems including authentication, authorization, and access monitoring.
PCI DSS (Access Control Requirements)
Requirement 7 and 8 controls for access restriction, unique user IDs, MFA, and privileged access management in cardholder data environments.
NYDFS Cybersecurity Regulation
Multi-factor authentication, privileged access management, and access review requirements for NY-licensed financial institutions.
CIS Controls (Identity & Access)
CIS Control 5 and 6 implementation for account management and access control management in financial institution environments.
What We're Seeing
The identity challenges driving conversations with financial services security leaders today.
Access review backlogs that create audit findings
Financial institutions running annual access certifications on spreadsheets face rubber-stamp reviews that satisfy the schedule but not the intent. Examiners are increasingly asking for evidence that reviews were substantive and resulted in remediation.
Privileged access to core banking without controls
Database administrators, core banking application administrators, and finance system administrators often hold access that is not subject to just-in-time controls, session recording, or approval workflows. This is the access that matters most in a breach.
Segregation of duties gaps in financial systems
SOX auditors routinely find access configurations where individuals can both initiate and approve financial transactions. Automated SoD conflict detection and remediation is no longer optional for institutions with SOX obligations.
Contractor and vendor identity management
Financial institutions grant technology vendors and contractors access to sensitive systems that is rarely scoped to minimum necessary, rarely reviewed regularly, and rarely terminated promptly. Third-party identity is a systemic risk that most institutions have not fully addressed.
How We Help
IAM services designed for the access governance requirements and examiner expectations of financial institutions.
Identity Governance & Administration
- Role-based access control design for banking and financial systems
- Automated provisioning and deprovisioning integrated with HR and core banking
- Access certification campaigns with substantive review workflows and evidence
- SOX ITGC access control documentation and evidence package development
Privileged Access Management
- PAM implementation for core banking, ERP, and database administrators
- Just-in-time privileged access for financial reporting and payment systems
- Session recording and monitoring for privileged access to financial systems
- Vendor and contractor privileged access with time-limited, scoped credentials
Access Management & MFA
- SSO implementation across banking applications and digital channels
- MFA deployment meeting FFIEC and NYDFS authentication requirements
- Customer identity and access management for digital banking platforms
- Phishing-resistant authentication for privileged and high-risk access
Segregation of Duties & Compliance
- SoD conflict analysis and remediation for SOX-covered financial systems
- Continuous SoD monitoring with automated conflict detection
- Access request and approval workflow design with audit trail
- Examiner-ready access control evidence and documentation frameworks
Perfect For
Financial institutions and fintechs building IAM programs under regulatory and audit oversight.
Community and regional banks building access certification programs that satisfy FFIEC examiner expectations
Financial institutions implementing PAM for core banking and financial reporting system administrators
Fintechs deploying MFA and SSO that meets banking partner and enterprise customer security requirements
Public company financial institutions remediating SOX ITGC access control findings before the next audit
Credit unions building automated provisioning to manage the access lifecycle for a growing workforce
Banks with third-party technology vendor access that has not been reviewed or right-sized in years
Proof in Financial Services
Real engagements with measurable outcomes.
Regional bank reduces compliance documentation time by 50% with YearlingIQ
Automated evidence collection across FFIEC, PCI, and SOX frameworks. The same documentation discipline we apply to IAM evidence packages for financial institution examinations.
Read case studyCompliance CertificationDefense contractor achieves CMMC 2.0 Level 2 certification in 6 months
Identity and access controls with evidence automation on a strict timeline. The same rigorous approach we apply to SOX ITGC and FFIEC access control implementation for financial clients.
Read case studyCyber ResilienceHeavy equipment dealer advances operational resilience through cyber assessment
Access control and identity review as part of broader resilience assessment. The same holistic access review we apply to financial institution identity programs.
Read case studyComplete the Picture
Financial Services Cybersecurity Advisory
Pair identity services with FFIEC, GLBA, PCI, and SOX security advisory from the same practitioner team.
Ready to build an IAM program that passes examination?
Talk with IAM practitioners who understand FFIEC access control expectations, SOX ITGC requirements, and the identity challenges specific to financial institutions.