ABA Banking Journal
No Result
View All Result
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive
SUBSCRIBE
ABA Banking Journal
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive
No Result
View All Result
No Result
View All Result
Home Compliance and Risk

Compliance + Marketing: A Love Match?

February 14, 2018
Reading Time: 4 mins read

By Sarah Oliver, CRCM

“It’s great to meet you. Tell me something about yourself. What do you do?”

No, this wasn’t an interview, although first dates can feel that way.

I like what I see so far. Tall, dark, handsome, and he’s also a single parent of a teenager, such like myself. So far, so good. His reply:

“I’m the digital marketing manager of a global firm within the medical device industry.”

Stop the press. After kicking myself for not having thought of a good exit before the date began, I figure what the heck. Let’s make the most of this and maybe even have some fun.

“Well James,* I’m a compliance officer turned consultant in the financial industry, and so the irony doesn’t escape me that we are perhaps the most unlikely pair. I know. Compliance professionals are just so boring. And they all lack imagination. They take forever (like at least a few hours) to approve the latest campaign, and even then, they require so much fine print the ads don’t even look attractive anymore! They don’t like working late on Fridays for the sake of a new product rollout, and they’re always complaining about being the last to know about ‘these things.’ Compliance people are just so hard to please.”

*It’s a nice pseudonym, don’t you think?

Much of the early discussion centered on each of our careers within highly regulated industries, and our experiences from our own respective ends of the spectrum. We started with the usual jokes. I told the one about how people who don’t know what to major in choose marketing. He told the one about why it takes three compliance officers to change a lightbulb: one to change it, one to check it and one to check it again.

I’m not exaggerating. This conversation really did take place. But something else happened too. We started comparing the similarities of our struggles instead of the differences. Turns out, marketing managers have some of the same struggles compliance professionals have.

  1. Everyone reports to someone.

Fact. We all report to someone. And not just supervisors or bosses, but to regulators, examiners, clients, and more. Marketing and compliance officers are fully aware that every decision they make will affect something and someone. We all feel the pressure to protect our clients, consumers, and personal reputations by dotting the i’s and crossing the t’s. As compliance professionals feel the gravity of increasing individual criminal liability within the financial industry, so do marketing managers worry that the latest, and most carefully thought-out and cultivated campaign might flop, along with the end goal—ROI. Turns out, James and I both know what it’s like to lie awake at night running various work-related scenarios through our heads.

  1. The ball is always moving.

How can we be sure that a decision made today won’t be one we regret tomorrow? We can’t. Change is constant.

Let’s use the social media function as an example. It’s constantly morphing as a direct result of new regulations, guidelines, enforcement actions, platform updates and ever-changing algorithms. There are also constant developments in the realm of targeted and paid social advertising. The best we can do in any position is to collect and analyze as much information as we have available today before making decisions. And to keep doing the next right thing.

  1. Bedeviled by big data.

Compliance professionals are not the only ones who honestly wonder if big data isn’t going to be what pushes them off the edge of sanity. It’s enough to make anyone’s head explode, if for different reasons. While we worry that big data is a giant potential privacy issue, marketing managers worry that their staff may not have the expertise to keep up with ever-changing linguistics and new report formats to support their senior loan officers’ or production managers’ campaign requests.

  1. Multitasking has become overtaxing.

Technology is here to stay. And it’s created a scenario in which we are never “unplugged.” In other words, most of us are at the beck and call of our work issued and personal electronic devices. Never before have professionals across vast industries been under so much pressure to work efficiently. We’ve moved from the shared office green screen and typewriters to multiple monitors, desk tops, laptops, personal scanners, tablets, and cell phones in an unnervingly short amount of time. The bottom line is that it’s overwhelming. In fact, if you don’t find it overwhelming, you probably should look at increasing your efficiency level.

Going back to the date…

James and I ultimately laughed at our collective struggles. We found common ground within our careers and our personal lives. Whoever would have thought a digital marketing manager and a compliance consultant would have such a good time?

It is so important to bridge this gap between marketing and compliance professionals. It’s in both our best interests if we:

  • Be kind to one another
  • Realize shared stresses
  • Express appreciation

Both the compliance and marketing functions play an important role in keeping the doors open at your institution. The hardest part is often just making that first move towards a more peaceful and collaborative coexistence. This is especially true in the event of an already strained relationship. Just remember, the more tense the relationship may be today, the greater the rewards when you can sit in the same planning meeting and join together mighty forces.

Sarah Oliver is a consultant in the Financial Institutions Advisory Group of Saltmarsh, Cleaveland & Gund. Her primary areas of expertise include providing compliance reviews, assisting with special research matters and consulting on deposit and lending related regulations as well as social media approaches for financial institutions. Email: [email protected].

Tags: Communications skillsCompliance
ShareTweetPin

Related Posts

White House pushes state policymakers to restrict ‘junk fees’

New executive orders target banks and citizenship, nonbank access to Fed services

Compliance and Risk
May 19, 2026

President Trump signed an executive order directing regulators to provide guidance to financial institutions on identifying suspicious activity allegedly tied to individuals in the country illegally, and to potentially strengthen customer due diligence requirements. He also signed a...

Report: More states creating restrictions on crypto ATMs

Largest Bitcoin kiosk operator files for bankruptcy

Compliance and Risk
May 19, 2026

The largest operator of Bitcoin kiosks in the U.S. is shutting down amid increased regulatory scrutiny of the role of “crypto ATMs” in facilitating scams, according to news reports.

FFIEC announces changes to Uniform Bank Performance Report

Regulators release proposed changes to CAMELS rating system

Compliance and Risk
May 19, 2026

Federal regulators are proposing to make several changes to the CAMELS rating system to emphasize material financial risks over concerns related to policies, procedures and documentation, which they say would better reflect the issues most likely to affect...

Proposed rule would require verification system for Treasury checks

ABA’s TCVS portal officially verifies more than 100k checks

Compliance and Risk
May 18, 2026

ABA's access point to the Treasury Check Payee Verification System has verified nearly 105,000 checks since it launched in June 2025.

CFPB: Digital marketers not exempt from Consumer Financial Protection Act

Digital marketing broadens its horizons

Retail and Marketing
May 18, 2026

Banks are seeking new options to integrate with traditional delivery channels to better offer innovative products and experiences. 

OCC proposes to cite federal preemption of state interest-on-escrow laws

OCC finalizes rules citing federal preemption of state interest-on-escrow laws

Compliance and Risk
May 15, 2026

The OCC finalized two rules to clarify that national banks are exempt from state laws regulating real estate escrow accounts. Both rules were first proposed late last year.

NEWSBYTES

New executive orders target banks and citizenship, nonbank access to Fed services

May 19, 2026

ABA: Clarity Act needs further refinement

May 19, 2026

Largest Bitcoin kiosk operator files for bankruptcy

May 19, 2026

SPONSORED CONTENT

Credit Memos at the Convergence Point

Credit Memos at the Convergence Point

May 1, 2026
Digital Account Opening: Think Outside the Box for Maximum Business Impact

Digital Account Opening: Think Outside the Box for Maximum Business Impact

April 29, 2026
Why Your Systems Keep Slowing Down — and What to Do About It

Why Your Systems Keep Slowing Down — and What to Do About It

April 21, 2026
Planning Your 2026 Budget? Allocate Resources to Support Growth and Retention Goals

How leading banks are enhancing customer engagement through financial data insights

April 10, 2026

PODCASTS

Podcast: How consumer deposits drive full relationship banking

May 14, 2026

Podcast: How an Ohio banker talks with policymakers about stablecoin issues

May 6, 2026

Podcast: Tech transformation and AI to power bank growth

April 29, 2026

American Bankers Association
1333 New Hampshire Ave NW
Washington, DC 20036
1-800-BANKERS (800-226-5377)
www.aba.com
About ABA
Privacy Policy
Contact ABA

ABA Banking Journal
About ABA Banking Journal
Media Kit
Advertising
Subscribe

© 2026 American Bankers Association. All rights reserved.

No Result
View All Result
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive

© 2026 American Bankers Association. All rights reserved.