201 North Illinois Street Suite 700
(317) 383-4000
Chad M Garber, CPA
Partnership Level: 


Financial institutions across the country depend on BKD as their CPA and advisory firm. BKD National Financial Services Group offers the experience and commitment needed to help enhance your institution’s performance.
BKD National Financial Services Group consultants provide a wide variety of consulting and compliance services for financial institutions. We offer insight through articles and presentations for numerous industry organizations, including the American Bankers Association, Financial Managers Society and Independent Community Bankers of America.
Our financial services include:
  • Regulatory compliance, including Dodd-Frank requirements
  • Internal audit services
  • Loan review services
  • Tax services
  • Enterprise risk management
  • SEC reporting
  • Profitability enhancement
  • IT risk assessment
  • Strategic planning
  • Merger and acquisition services

experience expertise // Credit unions must ensure that accounting and business decisions comply with regulations, while providing a positive rate of return and additional services for their members. BKD understands. Our advisors have deep industry knowledge and resources that can help you manage change, bolster the bottom line, make wise decisions and stay compliant. Add a personal, highly interactive and attentive service style, and you’ll begin to understand what our insight and expertise can help you achieve.

Accounting standards continue to change and become increasingly complex. In addition, regulatory actions have unique accounting consequences. You need insight. Our professionals have deep industry knowledge so you can experience peace of mind when it comes to audit and accounting issues. We can help with the following:
• Assurance services, including audits, reviews and compilations
• Prospective financial statements
• Internal audit and internal control assistance
• Operating and capital budgets

Few industries face as many regulatory changes each year as the financial services industry. BKD National Financial Services Group can help provide leadership and insight about compliance issues. Our experts can help in the following areas:
• Compliance audits, outsourcing, mentoring and training
• Bank Secrecy Act of 1970 and anti-money laundering reviews
• Fair lending assessments
• Community Reinvestment Act of 1977 performance assessments

Member business lending is increasing at many credit unions. Because these loans often make up a large portion of a credit union’s assets, their inherent risks make a solid loan review program essential. With BKD National Financial Services Group, you’ll experience practical direction with the following services:
• Performing loan review outsourcing or co-sourcing
• Conducting repayment risk assessments
• Improving compliance with internal standards
• Developing recommendations to help you reach your goals.

To help your organization identify ways to enhance profitability, we can:
• Structure budgets to help control costs or to monitor profit-enhancement strategies
• Conduct cash management and float control studies to identify opportunities for profit improvement through improved asset use
• Perform marketing studies to reveal ineffective targeting of members or to identify new products or markets
• Apply interest rate risk management and spreadsheet models that analyze interest rates and net interest margins to improve profit or assist management in responding to interest rate   changes • Help evaluate the viability of new business ventures and opportunities

Mitigating risk is an important consideration for your credit union. BKD National Financial Services Group can help you manage risk whether you need compliance assistance or have a desire to improve your organization’s corporate governance and data security. Our experienced, certified consultants can help identify and manage your risk with best practices and knowledge of industry-specific regulations.