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

Bill would strengthen criminal penalties for ATM robberies

State attorneys general express support for ATM crime bill

Compliance and Risk
August 14, 2026

Fifteen state attorneys general urged Congress to pass legislation ensuring that robberies of off-site ATMs carry the same legal consequences as bank robberies. ABA also supports the bill.

ABA urges ‘same risk, same regulation’ for digital assets

ABA urges federal regulation of AI, level playing field for financial services

Compliance and Risk
August 14, 2026

Congress should establish a nationally harmonized, risk-based framework for regulating artificial intelligence in the financial services sector, which would preempt state laws while assuring strong consumer protection and cybersecurity outcomes, ABA told House Financial Services Committee members.

CFPB claims ‘complex’ pricing drives up cost of financial products

CFPB ends publication of consumer complaint narratives

Compliance and Risk
August 14, 2026

The CFPB will cease publication of unverified complaint narratives and visualizations, arguing the utility of publicizing narratives is minimal “while often causing confusion and providing misleading data.”

OCC to merge community bank, large bank supervision departments

OCC releases 2026 update to Bank Accounting Advisory Series

Compliance and Risk
August 14, 2026

The BAAS contains OCC staff responses to frequently asked questions from the banking industry and bank examiners on a variety of accounting topics.

Cost of funds shoots to top of community bankers’ concerns in 2024

Survey finds most consumers want to maintain bank branch access

Community Banking
August 14, 2026

U.S. consumers want digital banking convenience but also want to maintain access to bank branches and people for complex issues and personalized financial guidance, according to a new survey by Santander.

FinCEN: Financial institutions flagged nearly $5B linked to suspected human smuggling

FinCEN: Financial institutions flagged nearly $5B linked to suspected human smuggling

Compliance and Risk
August 13, 2026

While depository institutions filed only 3% of BSA reports on possible human smuggling, their reports accounted for approximately 61%, or $3 billion, of the total amount.

NEWSBYTES

Preliminary: Consumer sentiment fell in August

August 14, 2026

State attorneys general express support for ATM crime bill

August 14, 2026

ABA urges federal regulation of AI, level playing field for financial services

August 14, 2026

SPONSORED CONTENT

Beyond Surveillance: Rethinking Security for Modern Financial Institutions

Beyond Surveillance: Rethinking Security for Modern Financial Institutions

August 12, 2026
Relationship Banking at Scale: Why Banks Need The Digital Sales & Service Platform

Relationship Banking at Scale: Why Banks Need The Digital Sales & Service Platform

August 1, 2026
Why Your Systems Keep Slowing Down — and What to Do About It

Examiners Are Now Looking at Your Non-Core Systems

June 11, 2026
Your Floorplan Audit and Your Credit Decision Are Weeks Apart. That Gap Has a Price.

Your Floorplan Audit and Your Credit Decision Are Weeks Apart. That Gap Has a Price.

June 1, 2026

PODCASTS

Podcast: Banking the brave new world of college athletics

August 4, 2026

Podcast: Tactics for meaningful strategic planning

July 28, 2026

Podcast: Why it might be time to revisit a key FDIC ratio

July 23, 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.