Usnick & R. Usnick, 2013). Based on the results and conclusions, financial institutions may need to restructure their products and services or incorporate training procedures and standards that must be understood by all banking personnel (L. Usnick & R. Usnick, 2013 ). Compliance policies apply to employees and temporary workers. Employees are responsible for adhering to compliance policies and guidelines and following standard operating procedures applicable to each person's role. This is an important element for strong compliance