The trend toward outsourcing CCO services

Overview

Under Rule 206(4)-7, an investment adviser registered with the SEC is required to (a) adopt and implement written policies and procedures reasonably designed to prevent violations of the federal securities laws; (b) revise those policies and procedures each year for adequacy and effectiveness; and (c) designate a chief compliance officer to be responsible for overseeing and administering said policies and procedures.

Since the rule’s implementation almost a decade ago, there has been a distinct trend among SEC-registered investment advisers towards outsourced CCO services to satisfy 206(4)-7(c). Despite initial reluctance on behalf of the SEC to fully embrace the practice of firms using outsourced CCOs, registered investment advisers have found widespread success with this arrangement. As the SEC and state regulators continue to ramp up compliance requirements for all industry participants, the outsourced CCO arrangement has increasingly become a fixture in the modern landscape of the industry.

The Outsourced CCO Arrangement

The SEC requires that the CCO is a “supervised person,” defined as “any partner, officer, director (or other person occupying a similar status or performing similar functions), or employee of an investment adviser, or another person who provides investment advice on behalf of the investment adviser and is subject to the supervision and control of the investment adviser.”

An outside compliance professional endowed with the overarching duty of overseeing and implementing the firm’s compliance program and equipped with the authority to do so fits the bill. In an outsourced CCO arrangement, the outside compliance professional becomes the named CCO on Form ADV and can be made responsible for everything from drafting, maintaining, and implementing a firm’s compliance manual, to conducting formal, periodic compliance reviews and risk assessments, to providing compliance education and training to the firm’s staff.

Explaining the Trend

When the new Compliance Rule 206(4)-7 became effective in 2004, investment advisers scrambled to find a cost-effective and legitimate way to comply with the SEC’s heightened requirements. Small firms found themselves in a particularly challenging position because of fewer personnel and resources. Even the most experienced advisers well-versed in SEC rules and regulations found it extremely difficult, time-consuming, and stressful to try to singlehandedly perform all the duties required of a CCO without outside help.

In 2004, Lori Richards, Director of the SEC’s Office of Compliance Inspections and Examinations, emphasized the need for CCOs to have “intimate knowledge of the firm’s operations in order to administer an effective compliance program. It would therefore be logical to infer that a reasonable amount of time would have to be spent not only overseeing the structure of the compliance program but its implementation as well. Because of this, I am wary about whether a compliance ‘rent-a-cop’ could really be up to the task.”

Nevertheless, the arduous ongoing compliance requirements imposed on investment advisers, in conjunction with the numerous benefits yielded by those who engaged in outsourced CCO arrangements, have resulted in a steady increase in the prevalence of outsourced CCOs. Charles Schwab’s 2012 Benchmarking Study revealed that 35% of firms reported outsourcing compliance, up from 23% three years ago. Indeed, this past year has seen no shortage of the consequences of inadvertent noncompliance due to investment adviser’s self-reliance. In 2012, Ron Rhoades, president and CCO of an investment adviser firm, expert in securities laws and regulations, and chair-elect of the National Association of Personal Financial Advisors, stepped down over a registration error he made that cost his firm tens of thousands of dollars. He stated afterward that, had he used a compliance consultant, such a mistake would not have occurred.

Benefits of Outsourced CCO Services

Cost-Effectiveness: One of the most compelling arguments for engaging in an outsourced CCO arrangement is the sheer cost of hiring a full-time in-house CCO, which is typically significantly more expensive than using an outsourced CCO. This is particularly true in light of what employment entails: competitive salary, benefits, vacations, sick days, paid time off, among other things. Furthermore, employee turnover would be especially problematic in this position, whereas an outsourced CCO would be part of a compliance company that retains its institutional knowledge even if that particular employee leaves.

The other option is placing the title on an existing employee with other duties. While this may be less expensive in the short run, investment advisers should consider whether this exposes them to a heightened risk of substantial penalties and losses, and determine whether that risk is worth it. Oftentimes, investment advisers find that the cost-benefit analysis clearly sways in favor of using a compliance professional.

Compliance Expertise: One mistake that firms often make is assuming that they will not commit any compliance violations as long as they act properly and “do the right thing.” Unfortunately, the SEC requires more than good-faith dealing and does not excuse inadvertent oversight or honest misinterpretation of the rule. By using the services of compliance specialists, investment advisers can capitalize on the industry expertise of entire companies applied entirely to this one aspect of their business.

Reallocation of Time and Resources: Firms often attempt to handle the CCO requirement internally until they realize what an enormous undertaking it is. Registered investment advisers have enough on their hands managing and growing their businesses. Many of their responsibilities are non-delegable, but compliance is not one of them. Firms that use outsourced CCO services can save valuable time and resources that can be devoted to other aspects of the business.

Independence: Using an outside compliance professional to oversee and implement a firm’s compliance program has the advantage of independent and unbiased third-party compliance review, which may hold more weight with the SEC. CCOs are required to detect and report internal violations, and take corrective action as needed. Having an outsourced CCO handle these tasks rather than a fellow employee increases the likelihood of objectivity and accuracy.

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  262. Today, I went to the beachfront with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

  263. With havin so much content do you ever run into any problems of plagorism or copyright violation? My site has a lot of completely unique content I’ve either written myself or outsourced but it seems a lot of it is popping it up all over the web without my agreement. Do you know any solutions to help prevent content from being ripped off? I’d truly appreciate it.

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  286. With havin so much content do you ever run into any problems of plagorism or copyright violation? My blog has a lot of exclusive content I’ve either written myself or outsourced but it seems a lot of it is popping it up all over the web without my agreement. Do you know any solutions to help protect against content from being ripped off? I’d truly appreciate it.

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  315. Today, I went to the beachfront with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

  316. My programmer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using Movable-type on a number of websites for about a year and am concerned about switching to another platform. I have heard great things about blogengine.net. Is there a way I can import all my wordpress content into it? Any kind of help would be really appreciated!

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  321. Today, I went to the beach with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!

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  325. Hi there! I just wanted to ask if you ever have any issues with hackers? My last blog (wordpress) was hacked and I ended up losing a few months of hard work due to no back up. Do you have any solutions to stop hackers?

  326. Hi! I realize this is somewhat off-topic however I had to ask. Does operating a well-established blog like yours take a lot of work? I’m brand new to operating a blog however I do write in my diary everyday. I’d like to start a blog so I can easily share my own experience and views online. Please let me know if you have any kind of suggestions or tips for brand new aspiring bloggers. Appreciate it!

  327. Greetings! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My blog looks weird when browsing from my iphone. I’m trying to find a template or plugin that might be able to correct this problem. If you have any recommendations, please share. Thanks!

  328. With havin so much written content do you ever run into any issues of plagorism or copyright violation? My site has a lot of completely unique content I’ve either written myself or outsourced but it seems a lot of it is popping it up all over the web without my permission. Do you know any methods to help reduce content from being ripped off? I’d certainly appreciate it.

  329. Today, I went to the beach with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

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  343. My coder is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on various websites for about a year and am anxious about switching to another platform. I have heard great things about blogengine.net. Is there a way I can transfer all my wordpress content into it? Any kind of help would be really appreciated!

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  349. I’m really loving the theme/design of your site. Do you ever run into any web browser compatibility issues? A few of my blog visitors have complained about my site not working correctly in Explorer but looks great in Chrome. Do you have any solutions to help fix this problem?

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  355. My coder is trying to convince me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on a number of websites for about a year and am anxious about switching to another platform. I have heard fantastic things about blogengine.net. Is there a way I can transfer all my wordpress content into it? Any help would be really appreciated!

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  391. Right now it appears like Expression Engine is the preferred blogging platform out there right now. (from what I’ve read) Is that what you are using on your blog?

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  393. Hello! This is kind of off topic but I need some help from an established blog. Is it hard to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about setting up my own but I’m not sure where to start. Do you have any ideas or suggestions? Cheers

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  399. I was curious if you ever thought of changing the page layout of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or two images. Maybe you could space it out better?

  400. First of all I want to say wonderful blog! I had a quick question that I’d like to ask if you do not mind. I was interested to find out how you center yourself and clear your mind before writing. I’ve had a tough time clearing my thoughts in getting my ideas out there. I do take pleasure in writing but it just seems like the first 10 to 15 minutes tend to be wasted just trying to figure out how to begin. Any suggestions or hints? Thanks!

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  412. Please let me know if you’re looking for a writer for your blog. You have some really great articles and I think I would be a good asset. If you ever want to take some of the load off, I’d absolutely love to write some content for your blog in exchange for a link back to mine. Please send me an email if interested. Thank you!

  413. Fantastic website you have here but I was curious if you knew of any user discussion forums that cover the same topics talked about in this article? I’d really love to be a part of community where I can get responses from other knowledgeable people that share the same interest. If you have any suggestions, please let me know. Thank you!

  414. Hello, I think your site might be having browser compatibility issues. When I look at your website in Opera, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, great blog!

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  418. Hey there just wanted to give you a quick heads up. The text in your content seem to be running off the screen in Chrome. I’m not sure if this is a formatting issue or something to do with internet browser compatibility but I figured I’d post to let you know. The style and design look great though! Hope you get the issue fixed soon. Kudos

  419. Hi this is kind of of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding knowledge so I wanted to get guidance from someone with experience. Any help would be enormously appreciated!

  420. Hey there, I think your website might be having browser compatibility issues. When I look at your blog site in Safari, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, fantastic blog!

  421. When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get several e-mails with the same comment. Is there any way you can remove people from that service? Thanks!

  422. Hello! This is kind of off topic but I need some guidance from an established blog. Is it tough to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about creating my own but I’m not sure where to start. Do you have any tips or suggestions? Thanks

  423. My programmer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on numerous websites for about a year and am worried about switching to another platform. I have heard good things about blogengine.net. Is there a way I can import all my wordpress content into it? Any help would be really appreciated!

  424. Howdy this is kind of of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding expertise so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!

  425. Howdy this is somewhat of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding knowledge so I wanted to get advice from someone with experience. Any help would be enormously appreciated!

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  427. Hi! I know this is somewhat off topic but I was wondering which blog platform are you using for this website? I’m getting tired of WordPress because I’ve had issues with hackers and I’m looking at alternatives for another platform. I would be fantastic if you could point me in the direction of a good platform.

  428. Hi there this is kind of of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding expertise so I wanted to get advice from someone with experience. Any help would be enormously appreciated!

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  431. Hi there! I know this is somewhat off topic but I was wondering which blog platform are you using for this site? I’m getting fed up of WordPress because I’ve had issues with hackers and I’m looking at alternatives for another platform. I would be great if you could point me in the direction of a good platform.

  432. Hey there! Do you use Twitter? I’d like to follow you if that would be okay. I’m definitely enjoying your blog and look forward to new updates.

  433. Hello would you mind stating which blog platform you’re working with? I’m going to start my own blog soon but I’m having a tough time making a decision between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design and style seems different then most blogs and I’m looking for something unique. P.S Apologies for getting off-topic but I had to ask!

  434. Hello I am so thrilled I found your blog, I really found you by accident, while I was searching on Yahoo for something else, Anyhow I am here now and would just like to say many thanks for a tremendous post and a all round thrilling blog (I also love the theme/design), I don’t have time to browse it all at the minute but I have book-marked it and also included your RSS feeds, so when I have time I will be back to read a great deal more, Please do keep up the superb job.

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  436. Hmm is anyone else having problems with the pictures on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any suggestions would be greatly appreciated.

  437. Good day! I know this is kind of off topic but I was wondering if you knew where I could get a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having difficulty finding one? Thanks a lot!

  438. Fantastic site you have here but I was curious if you knew of any user discussion forums that cover the same topics discussed here? I’d really love to be a part of group where I can get opinions from other knowledgeable individuals that share the same interest. If you have any suggestions, please let me know. Thanks a lot!

  439. Hi! This is my 1st comment here so I just wanted to give a quick shout out and tell you I genuinely enjoy reading your posts. Can you suggest any other blogs/websites/forums that go over the same subjects? Thanks for your time!

  440. Hey there! I just wanted to ask if you ever have any problems with hackers? My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no back up. Do you have any solutions to prevent hackers?

  441. Hello just wanted to give you a quick heads up and let you know a few of the images aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different web browsers and both show the same results.

  442. Hey are using WordPress for your blog platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you require any coding expertise to make your own blog? Any help would be really appreciated!

  443. First off I would like to say excellent blog! I had a quick question in which I’d like to ask if you do not mind. I was interested to find out how you center yourself and clear your head prior to writing. I have had a hard time clearing my thoughts in getting my ideas out. I truly do enjoy writing but it just seems like the first 10 to 15 minutes are usually wasted simply just trying to figure out how to begin. Any recommendations or tips? Appreciate it!

  444. Howdy just wanted to give you a quick heads up. The text in your article seem to be running off the screen in Internet explorer. I’m not sure if this is a format issue or something to do with internet browser compatibility but I thought I’d post to let you know. The layout look great though! Hope you get the issue resolved soon. Cheers

  445. I do not know whether it’s just me or if everyone else encountering problems with your site. It appears like some of the written text on your posts are running off the screen. Can someone else please provide feedback and let me know if this is happening to them as well? This might be a problem with my web browser because I’ve had this happen before. Thank you

  446. Woah! I’m really digging the template/theme of this site. It’s simple, yet effective. A lot of times it’s tough to get that “perfect balance” between user friendliness and visual appearance. I must say you’ve done a awesome job with this. Also, the blog loads very quick for me on Chrome. Exceptional Blog!

  447. When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get three e-mails with the same comment. Is there any way you can remove people from that service? Thank you!

  448. I know this if off topic but I’m looking into starting my own blog and was curious what all is needed to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet savvy so I’m not 100% sure. Any tips or advice would be greatly appreciated. Thanks

  449. Hello would you mind letting me know which hosting company you’re utilizing? I’ve loaded your blog in 3 different browsers and I must say this blog loads a lot quicker then most. Can you suggest a good web hosting provider at a reasonable price? Kudos, I appreciate it!

  450. My programmer is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using Movable-type on numerous websites for about a year and am worried about switching to another platform. I have heard great things about blogengine.net. Is there a way I can import all my wordpress posts into it? Any help would be really appreciated!

  451. I was curious if you ever thought of changing the page layout of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or 2 pictures. Maybe you could space it out better?

  452. Hello would you mind sharing which blog platform you’re using? I’m planning to start my own blog soon but I’m having a difficult time selecting between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your layout seems different then most blogs and I’m looking for something completely unique. P.S Sorry for getting off-topic but I had to ask!

  453. Admiring the hard work you put into your website and in depth information you offer. It’s great to come across a blog every once in a while that isn’t the same outdated rehashed material. Fantastic read! I’ve saved your site and I’m including your RSS feeds to my Google account.

  454. Hi! I could have sworn I’ve been to this website before but after reading through some of the post I realized it’s new to me. Anyways, I’m definitely delighted I found it and I’ll be book-marking and checking back often!

  455. Please let me know if you’re looking for a writer for your site. You have some really good posts and I think I would be a good asset. If you ever want to take some of the load off, I’d love to write some content for your blog in exchange for a link back to mine. Please send me an email if interested. Kudos!

  456. Hey there! I know this is kinda off topic but I’d figured I’d ask. Would you be interested in trading links or maybe guest writing a blog post or vice-versa? My site addresses a lot of the same subjects as yours and I believe we could greatly benefit from each other. If you might be interested feel free to send me an e-mail. I look forward to hearing from you! Wonderful blog by the way!

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  473. Have you ever considered writing an ebook or guest authoring on other blogs? I have a blog based on the same topics you discuss and would love to have you share some stories/information. I know my visitors would enjoy your work. If you are even remotely interested, feel free to shoot me an e-mail.

  474. Hello would you mind sharing which blog platform you’re using? I’m looking to start my own blog in the near future but I’m having a tough time making a decision between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design seems different then most blogs and I’m looking for something completely unique. P.S My apologies for getting off-topic but I had to ask!

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  557. Hi there! This is kind of off topic but I need some help from an established blog. Is it tough to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about creating my own but I’m not sure where to start. Do you have any tips or suggestions? Thanks

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  624. Howdy just wanted to give you a brief heads up and let you know a few of the pictures aren’t loading correctly. I’m not sure why but I think its a linking issue. I’ve tried it in two different web browsers and both show the same outcome.

  625. Hey! Do you know if they make any plugins to protect against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any suggestions?

  626. Hey this is somewhat of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding knowledge so I wanted to get advice from someone with experience. Any help would be greatly appreciated!

  627. I do not know if it’s just me or if everybody else experiencing issues with your website. It appears as if some of the text within your posts are running off the screen. Can somebody else please provide feedback and let me know if this is happening to them as well? This might be a issue with my web browser because I’ve had this happen before. Cheers

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