Yennik, Inc.
R. Kinney Williams
Yennik, Inc.

Internet Auditing Services
for Credit Unions

Yennik, Inc. the acknowledged leader in independent-Internet auditing for financial institutions.

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Web Site Auditing Service

Credit Union FFIEC & ADA Web Site Audits
(Information about the credit union web site audit)

How the credit union web site audit works

How your credit union benefits from a web site audit

Web site audit information request form

ADA information regarding web sites

Penetration testing

Credit Union Internet penetration security audits  
(As required by financial regulators, an independent
diagnostic test performed by a qualified IT auditor)

Other Services:
Celebrating 20 years
years (1999 - 2019)publishing
the Internet Banking News and
The Email Banking News

 "Internet Banking News"
(Published weekly covering Internet compliance, privacy, & security issues with over 2,900 subscribers)

US Credit Unions on the Internet
(List of credit unions by state)

Information Systems Security Audits
(Onsite IS security operation audits)

Customer Service
(What you deserve and expect)

(40 years experience that  includes 21 years as an examiner)

Company Information
R. Kinney Williams, CFE, CISM, CGEIT, CRISC
Certified Information Security Manager
Yennik, Inc.
4409 101st Street
Lubbock, Texas 79424
Office/Cell 806-535-8300

Member of:
Association of Credit Union 
Internal Auditors
Society of Financial Examiners,
and Information Systems Audit
and Control Association


Financial Web Site Audits

e-Commerce Guide for Credit Unions

If your credit union has a web page, the e-Commerce Guide for Credit Unions and the FFIEC interagency Internet guidelines require your credit union's web site to comply with consumer compliance, advertising, notifications, Americans with Disability Act, and other federal regulations.  We have identified 17 federal regulations and over 130 issues that relate to a credit union's web site.  The implications of emerging electronic financial services, which includes your credit union's web site, could cause unwanted criticism from examiners as well as potential liability to your credit union, officers, and directors from civil money penalties and law suites.

Why should you use our web site auditing services?

We are the nation's leading provider of web site auditing services for financial institutions.  We have performed web site audits for more than six years.  Our family of clients are located in 41 states and range in size from $25 million to over $13 billion in assets.  Mr. Williams' 40 years of experience includes 21 years as an examiner.  This experience brings you the examiner's perspective regarding e-Commerce issues.  

FYI - The NCUA does not have a requirement that financial institutions change third-party vendors on a periodic basis. Any such decision would be up to the credit union's management.  Refer to

Learn more about web site audits on the Credit Union Web Site Audits pages.  View an animation outlining the steps of a Web Site Audit.

The e-Commerce Guide for Credit Unions states in part "Credit unions should understand that many of the traditional compliance issues also apply to e-Commerce, including equal credit opportunity, electronic funds transfer, expedited funds availability, fair credit reporting, fair housing, real estate settlement and procedures, right to financial privacy, truth in lending, truth in savings, nondiscrimination, advertising, bank secrecy; and suspicious activity report filing."

The FFIEC interagency Internet guidelines, which the NCUA endorses, require in part "a monitoring system implemented to review continually the content and operation of the online programs to prevent inadvertent or unauthorized changes that may affect compliance with the regulations."  After performing the Initial Web Site Audit, we will monitor your site either semi-annually, quarterly, or monthly to ensure continual compliance with FFIEC guidelines, which authorizes you to display our audit seal on your home page.

For information about the different web site auditing options, pricing, company due diligence, etc., please complete the web site audit information form.  Or, please email Kinney Williams at or call 806-798-7119.

Click here to receive a complementary copy of

1)  FFIEC Internet Guidelines
FDIC Paper on Internet Security
3)  OCC's Infrastructure Threats and Intrusion Risks
4)  Uniform Rating System for Information Technology, or
5)  NCUA - Security Program and Guidelines for Safeguarding Member Information
6)  NCUA - e-Commerce Guide for Credit Unions
7Weblinking: Identifying Risks and Risk Management Techniques

8)  Key Risk Measurement Tool for Information Security Operational Risks
Narrative for Key Risk Measurement Tool for Information Security Operational Risks
10)  Best Practices for Software Patch Management
11) Authentication in an Internet Banking Environment

Updated 02/11/2019 to ensure current information.

Our web sites get over 3,000,000 hits a year.  
Thank you

If you have any problems viewing or using our web site, please call us at 807-798-7119.

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