Constance Order Named Chief Compliance Officer and Head of Regulatory Relations

EVERYWHERE (Nov. 7, 2026) — The regulators have been asking fewer questions lately, so EveryBank, N.A. has appointed its own. It named Constance Order Chief Compliance Officer and Head of Regulatory Relations in late September, on the recommendation of the editor, the only one he has ever made. This announcement waited for her sign-off. So did the third-quarter results.

She joined when EveryBank noticed it had no compliance officer. She is also a director, and the bank's BSA officer, CRA officer, privacy officer and security officer, which is how a bank of 55 does it. She is the face for regulators: she has nine.

The bank settled on her because she looks stern, which is what the reckless half of the bank needs. That half is the Mean. Its primary federal regulator (the OCC, the Fed or the FDIC; EveryBank has never settled which) approved the appointment, conditionally. No one likes her, the regulators included. She is the bank's connective tissue: hated by both sides, essential to everyone.

She does not like Matters Requiring Attention, and likes Matters Requiring Board Attention less. She has no patience for the Chief Economist, and less for Capital Markets and Relationship Banking, though Capital Markets may be reconsidered if it footnotes its emails. She is strict with the Chief Risk Officer and the Vice President of Credit as well.

She serves posthumously, as the editor does; IT handles the on-site examinations. She does not sign off on anything, posthumously or otherwise.¹ She sends the editor an inquiry every week.

"We are a bank. Regulation is the game; the money is an afterthought. Constance keeps us constant."

— A. Verne Ridge, Chair and Chief Executive Officer

¹ Perry Sentyle (%) and the editor sometimes convince her of the reasonings of business. Mostly, though, they do not, nor does anyone else.