Our strategy is based in a belief that technological evolution in today’s credit unions provides an opportunity to shift the paradigm of exam protocols away from a point in time activity that occurs at either a 12 or 18 month cycle to a process that allows for continuous surveillance and observation of strategic decisions, credit union operations, and trends in both product transactions and volumes and general ledger accounts.  In this environment the official exam date becomes an administrative event that indicates the end of one exam cycle and the beginning of another and any accompanying events, (exit interviews, official document filings, etc.)  We have also identified a solution set that is totally core agnostic and can be implemented regardless of CU core provider.