Who we are

Kyle Melody Coaching & Consulting (KMCC) exists to support community and mid-sized banks and credit unions as they navigate the ever-growing complexities of compliance and risk management. 

Smaller institutions are often tasked with doing more with less—and compliance officers wear many hats.

KMCC was created to bring clarity, structure, and calm to an environment where the pace of regulatory change seems relentless.

Our work is rooted in partnership. We believe that the best compliance programs are not built from scratch—they’re grown from the strengths you already have. That’s why we begin each engagement by listening: to your team, your goals, and your institution’s unique culture.

Using a four-part consulting framework, we deliver support that is both strategic and practical:

  1. Discovery & Alignment – We get to know your business, objectives, and existing systems through listening sessions and program analysis.

  2. Tailored Recommendations – We develop actionable, customized guidance, along with project management support to track progress.

  3. Collaborative Implementation – We work alongside you to design and implement solutions, engage stakeholders, and train teams.

  4. Post-Delivery Support – We offer hands-on assistance to reinforce adoption, troubleshoot emerging challenges, and adjust as needed.

Whether we’re preparing you for a regulatory exam, strengthening your CMS, or supporting team development, KMCC’s goal is simple: to help you and your institution lead with clarity, confidence, and integrity.

Kyle Melody Rowan Shepard, CRCM, CERP

Kyle is the CEO of KMCC, and its primary consultant. She specializes in enterprise risk and compliance program development and implementation, with particular expertise in helping institutions create and optimize scalable frameworks. Her 25 years in the Pacific NW banking industry have spanned a wide array of positions including sales, production, operations, leadership, audit, compliance, and enterprise risk management.

This diversity of experience has given her a unique understanding of the way perspectives and motivations must be blended in service of an organization’s strategic goals. 

Kyle is a former Chair of the Oregon Bankers Association Risk & Compliance Roundtable and remains passionately active in the OBA and ABA communities.

Trusted Subject Matter Experts

KMCC collaborates with a diverse network of seasoned consultants, each with deep subject-matter expertise. For every engagement, we assemble a right-sized team tailored to your specific needs, bringing exactly the expertise your project requires—no more, no less.

  • Kathryn is the founder of Morris Legal & Consulting. She brings extensive compliance leadership experience across diverse settings, from community banks to national organizations. As a faculty member and board member of the ABA Compliance Schools since 2018, she supports institutions of all sizes in understanding regulator expectations, designing and implementing compliance management systems that align with business complexity and growth objectives. Kathryn specializes in compliance culture and strategy, with a focus on communication and bringing the needs and goals of different stakeholders into alignment. 


  • Suzanne is the founder of The Stewardship Angle. She is a change management and organizational health professional with more than 30 years of experience in banking leadership. She focuses on helping financial institutions successfully navigate transformational change. Her people-centered approach to strategic planning, personnel development, and succession planning ensures that organizational changes are supported by robust talent strategies and clear development pathways. Suzanne creates enduring change through holistically informed approaches to organizational design.

  • Gretchen is a strategic marketing leader with a career spanning nearly 20 years. Her background is in marketing strategy, campaign management, portfolio management, leadership, and project management. With more than 12 years of dedicated experience in the credit union industry, Gretchen brings a specialized understanding of member-centric focus and financial service regulations. Gretchen holds a Bachelor of Science in Business Information Systems from the University of Idaho. She received her Project Management Professional (PMP) certification in 2014 and her Credit Union Certified Marketing Executive (CUCME) designation in 2025.

  • Josh supports organizations by bringing clarity, structure, and consistency to complex marketing and operational work.

    With a background in marketing operations and cross-functional program management, Josh helps teams prioritize effectively, align efforts across stakeholders, and turn ideas into sustainable, repeatable processes. He is especially skilled at creating systems that support long-term momentum — balancing strategy, execution, and capacity so work can move forward without burnout or confusion.

    Josh partners with leaders who are navigating growth, change, or competing priorities, helping them stay focused on what matters most while building practical operating rhythms that support their goals.

  • Uhliyah is a dynamic young leader, specializing in the creation of digital assets. Her latest project included the design of a comprehensive suite of training decks covering relevant consumer regulations for a small regional bank.

  • Dan is driven by the mission of creating amazing customer experiences and building long-term relationships.

    With over 10 years of work experience in customer onboarding and customer success, Dan has a strong attention to detail and a passion for delivering high-quality service and value. He has worked with a diverse range of customers, from small businesses to large corporations, across various industries and geographies. Dan’s contributions have let to increased customer retention, satisfaction, and loyalty, as well as generating referrals and repeat business.

Contact us

Interested in working together? Reach out and we will be in touch shortly. We can’t wait to hear from you!