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R. Kinney Williams - Yennik, Inc.®

Yennik, Inc.

I perform annual IT audits required by the regulatory agencies for banks and credit unions. I am a former bank examiner over 30 years of IT auditing experience.
Please contact R. Kinney Williams at examiner@yennik.com from your bank's email and I will send you information and fees. All correspondence is confidential.

Independent Auditing Services:


External and Internal FFIEC Pen-Testing
(Testing uses artificial intelligence to detect known threats as well as unknown vulnerabilities.)

FFIEC/ADA Web Site Audits


IT Audits that following FFIEC guidelines

Loan Quality Review Services


 This week's newsletters:

Internet Banking News
(The Internet Banking News covers Internet compliance, Internet security,
Internet privacy, and other interesting Internet issues.)

The Email Banking News
(The E-mail Banking News provides recent FDIC, OTS, OCC, FRB,
and NCUA press releases in one convenient e-mail.)

Signup for the above complimentary newsletters to receive in your inbox on Monday mornings.
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Miscellaneous Information
IBAT 2020 President's Award, Number of Closed Banks, Certifications, and Memberships


Since 1980, R. Kinney Williams has provided quality and constructive auditing services to banks and credit unions.  He has worked closely with clients in 44 states, US Territory, and the District of Columbia.

E-mail Kinney Williams at examiner@yennik.com or call 806-535-8300 for more information about how our services can benefit your institution. 


Yennik, Inc.
Company Information

4409 101st. Street
Lubbock, Texas 79424
806-535-8300
Examiner@yennik.com
List of closed banks since October 1, 2000

FYI - The FDIC, NCUA, and the OCC do NOT have a requirement that financial institutions change third-party vendors on a periodic basis. Any such decision would be up to the bank's management. Refer to http://www.yennik.com/fdic_10-18-16_rotation_letter.pdf, http://www.yennik.com/ncua_12-21-16_rotation_letter.pdf, and  http://www.yennik.com/occ_10-12-16_rotation_letter.pdf


Please remember that while it may look like a duck and walk like a duck,
examiners-auditors must have it labeled a duck otherwise it is not a duck.
R. Kinney Williams, July 2014

“The problem is not people being uneducated. The problem is that people are educated just enough to believe what they have been taught,
and not educated enough to question anything from what they have been taught.”  Prof Feynman (1918-1988)

"History is a set of lies agreed upon” Napoleon Bonaparte (1769-1821)

"We can't solve problems by using the same kind of thinking we used when we created them."  Albert Einstein

It is from history that we learn to improve our stupidity.
R. Kinney Williams, December 2021

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Yennik, Inc. - R. Kinney Williams®

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Terms and Conditions, Privacy Statement, © Copyright
1980 - 2024  Yennik, Incorporated

Updated 11/07/2024 to ensure current information.

We are Americans and will never be defeated.
Navy Veteran