When three-year-old Community Bank Delaware in Lewes went through its latest regulatory exam, president and CEO Lynda Messick was a little surprised that the bank's remote deposit capture service ranked among examiners' top concerns.

Though the $74 million-asset bank had just three remote deposit clients at the time, Messick was diligently quizzed and prodded about the bank's risk management safeguards. Examiners wanted to know, for example, how the bank monitors RDC activity, how the RDC exceptions handling process works, and whether it provides adequate training for both staff and clients on the security issues of handling electronic check conversions.

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