The private alternative to ordinary consulting

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Chief Compliance Liaison™ | The Compliance Whisperer™
Quiet counsel for high-stakes leadership.

“I created The Eleventh Agency™ to serve the clients who deserve better — executives and boards who need discreet, bespoke counsel that challenges assumptions, identifies operational dependencies, and even surfaces strategic opportunities, not just risks. This is the type of risk and regulatory compliance support I wish I had as an executive." - S. Dai

By invitation or referral only. Not available to all institutions.  A private, direct-line advisory relationship. You get a named principal (S. Dai) who sits at the intersection of regulatory strategy, program effectiveness, and operational risk—available for decisions, redlines, and “war room” support when timing is critical. 

More than consulting, The Eleventh Agency™ operates as a members-only boutique, providing counsel beyond ordinary frameworks, available only to those invited inside the circle.   We partner to exist where the playbook ends, gaining strategy to pragmatically address examining bodies' next move through discreet, bespoke counsel for the executives who can’t afford another template answer. 

"Sarah has a way of delivering the hard truths bookended with insightful and feasible solutions that are tailored to my operational verticals and keen awareness of enterprise and consumer impact. " - Executive Director of Global Financial Crimes (Global FinTech)

"She is my first and only call." -Chief Compliance Officer (OCC Regulated Bank)

Independent Oversight, Executive Level Advocacy.

 "As a former Big 4 and industry advisory firm independent consultant and financial services executive, I’ve seen how efficiency margins, scope creep, skilled resource gaps, and renewal incentives often outweighed candor, courage, and cross-disciplinary expertise. Too often, tough conversations were avoided, templates replaced critical analysis, and systemic risks went unseen.” -S. Dai

Rigor without bloat – cross-discipline audit, compliance, and fraud expertise that challenges vendor workpapers and templated approaches because in today’s regulatory environment, consulting firms often shortcut their SoW deliverables and supporting testing, while external auditors and examiners issue findings that may not fully reflect operational context or regulatory applicability, and executives are caught in the crossfire of conflicting narratives.

As a trusted second set of eyes, I ensure every finding is rigorously tested for vulnerability, operational risk, and process alignment applicability, identification of shared controls, processes, and dependencies, and testing for accuracy and acceptability of execution against the SoW standard, regulatory framework, and your organization's enterprise and operational risk appetite, and strategic objectives.  

•  MRAs/MRIAs remediation strategy, regulator meeting/exam prep
• Independent assessment of auditor/examiner findings and supporting documentation, including re-performance testing and analysis, for execution and deliverable vulnerability, applicability, and acceptability to SoW.
• Development of refined management/regulatory response packages that balance acknowledgment of gaps with professional pushback, where findings may be overstated and/or recommendations may not be operationally appropriate for your infrastructure.
• Lead from the Front Support for Executives in challenging consulting firm deliverables to ensure accountability lies where it belongs.
• Value delivered: More credible exam responses, reduced remediation costs, and stronger regulatory trust.

" She is highly regarded within our Bank and by the Board for her ability to challenge audit and examiner findings with rigorous SoW alignment and deliverable QC, while also identifying operational risk dependencies within recommendations to ensure responses are defensible, sustainable, and integrated into the enterprise risk framework.”  - EVP, Chief Risk Officer (FDIC/FRB Regulated Bank)

 Compliance Simplified. Confidence Gained. 

•  Executive briefings, board seminars/training, and tailored playbooks.   
• "Big Lift" Novel Banking Program Design & Architecture & Implementation/Uplift Readiness and Effectiveness Assessments
• Objective executive-level strategy development/deployment oversight, enterprise risk and compliance guardrails, BSA/AML/KYC & consumer compliance global transformation redesign; policy and control hardening - executive level and board and examiner-ready reporting. 

Topics include:

Regulatory Compliance Simplified: Board & Executive Clarity
Global AML & Sanctions in 2025+
Fintech, AI, and Novel Banking Risks
Cannabis Banking Compliance Lessons