Amy Koshiol


Amy joined CliftonLarsonAllen LLP in 2018 in the financial institutions group following 30 years of experience in the banking industry private sector. Her private industry experiences include cashier/operations officer, corporate compliance officer, and audit director for community banks and diversified financial services holding companies.

Amy focuses on fair lending and Community Reinvestment Act assessments, internal audits, compliance audits and other consulting and outsourcing services for financial institutions.

Technical experience:

  • Regulatory compliance for banks
  • Compliance Management System implementation for banks
  • Internal audit of a variety of areas for banks
  • Fair lending program development and assessment for financial institutions
  • Community Reinvestment Act program development and assessment for banks
  • Bank Secrecy Act program development, consulting and audit for banks
  • Third party risk management program development and assessment
  • Risk assessments - enterprise, targeted and compliance-focused
  • Unfair, Deceptive and Abusive Acts and Practices (UDAAP) Risk Assessment and Review
  • Regulatory compliance training
  • Team development
  • Project management
  • Process development and improvement


  • Bachelor's of science in accounting from University of Minnesota-Mankato, Mankato MN
  • Certified Regulatory Compliance Manager (CRCM)
  • Certification in Risk Management Assurance (CRMA)
  • Certified Community Bank Internal Auditor (CCBIA)