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Supervisory Activities
Supervisory activities are used for examining and investigating companies.
SES Examinations and Investigations Resources for Agencies
How to initiate and manage examinations and investigations of supervised companies.
Conducting a Supervisory Activity
A Supervisory Activity is an activity conducted by a state agency over a financial institution under its regulatory authority. It includes Examination, Investigation, and enforcement actions.
Report of Examination
Assembling and managing report package, report commentary, and company response.
Managing Reviews of the Report of Examination
The review process consists of a primary reviewer and optional additional and peer reviews. This section discusses how to manage the review process.

Supervisory Activities
Supervisory activities are used for examining and investigating companies.
- SES Examinations and Investigations Resources for Agencies
  How to initiate and manage examinations and investigations of supervised companies.
  - Job Aid: Conducting Your First Exam in SES
    This job aid serves as a guide for new Examiner in Charge (EIC) to conduct their first exam in the State Examination System (SES). It highlights the basic workflow of an exam in SES and points out important information along the way.
  - Managing Supervisory Activities
    This section includes managing the Library, exam scheduling, and participants in a Supervisory Activity. Bulk download of data from supervisory activities is also included.
  - Conducting a Supervisory Activity
    A Supervisory Activity is an activity conducted by a state agency over a financial institution under its regulatory authority. It includes Examination, Investigation, and enforcement actions.
    - Initiating a Supervisory Activity
      The first step in conducting an exam, investigation, or enforcement in SES is to Supervisory Activity on a company.
    - Managing Agency Supervisory Activity Participants
      Participants on a Supervisory Activity can be added or removed at any time until the exam is Closed. You can also update user roles on an SA or reassign the Examiner in Charge (EIC).
    - Updating the Basic Details of a Supervisory Activity
      Examiners in Charge (EICs), and Staff Users that are participants on a supervisiry activity (SA) can make updates to the basic details of an examination and save them to the SA.
    - Accepting or Rejecting a Third Party User Request on a Supervisory Activity
      How the EIC or Team Lead on a multi-state supervisory activity (SA) reviews a company's request to add a third party user to an SA in SES.
    - Canceling a Supervisory Activity
      You can cancel a supervisory activity (SA) in SES at any time before the report is sent to the company.
    - Sending a Supervisory Activity for Review
      When initiating a Supervisory Activity in SES, you have the option of sending it for review.
    - Reviewing a Newly-Initiated Supervisory Activity
      The staff director or staff user who initiated a supervisory activity (SA) has the option of sending the SA for review to one or more staff directors before it is scheduled.
    - Managing the Scope
      The scope determines the content that will be reviewed during a supervisory activity, including the review period, business types and business activities, and the areas for review within the selected business types and activities.
    - Reviewing the Scope as the Primary Reviewer
      Once the examiner in charge (EIC) sends an item (Scope, Plan, MRA, etc.) for review, the first reviewer selected in the step is the primary reviewer. Only the first reviewer selected to review the item can follow these steps.
    - Managing the Plan
      The plan informs participants of their responsibilities within the exam. Defining the plan is optional.
    - Information Requests
      Information Request (IR) contain template language used to request information from a company.
    - Managing Communications
      Learn about the Communication page in SES supervisory activities (SAs).
    - Company Documents Page on a Supervisory Activity
      Learn about the Company Documents page on a supervisory activity (SA) in SES. The Company Documents page provides a centralized location to view all documents uploaded by the company for a supervisory activity.
    - Loan Requests
      When conducting an Examination with a Loan File Review Area for Review (AFR), you can send an Information Request (IR) to the company asking for a full list of their loan information.
    - Transaction Requests for Agencies
      Transaction requests in SES allow agency users to initiate and manage formal requests related to specific transactions during a money services business (MSB) examination. Unlike information requests or loan requests, which target broader data or document categories, transaction requests focus on obtaining evidence tied to individual transactions, supporting detailed analysis and issue identification throughout the examination lifecycle.
    - Agent Location Requests
      Learn how to use the agent location requests functionality in SES as part of an MSB examination.
    - MTRA Workbook
      Users conducting MSB exams can export work completed in SES into a template that matches the MTRA work program.
    - Procedures
      Procedures are used to guide examiners during the examination in the review of company documentation or compliance with statutes, regulations, and other requirements.
    - Conducting the Exam: Reviewing Information Request Responses
      Conducting the exam consists of reviewing Information Request (IR) responses, working procedures and adding or reviewing findings.
    - Findings
      A finding is an issue identified by a state agency user during the supervision of a financial institution in SES. The finding may describe the company’s strengths and/or weaknesses regarding its compliance management system, assess the company’s compliance with consumer protection laws or regulations, or any potential consumer harm. A finding may be either a violation, recommendation, or observation.
    - Conducting the Exam: Marking an Area for Review (AFR) Complete
      Conducting the exam consists of reviewing information request (IR) responses, working procedures, and adding or reviewing findings and finding commentary.
    - Scheduling the Exit Meeting
      Schedule the exit meeting when you are ready to review the results of your examination with the company you are examining.
    - Financial Statements
      This topic provides an overview of the Financial Statements section in SES, which allows agency users to capture and analyze a company’s financial data within the context of a money services business (MSB) examination. Examiners can create a structured financial grid—similar to the MTRA Work Program workbook—to assess financial health, identify risks, and support consistent, data-driven examination decisions.
    - Report of Examination
      Assembling and managing report package, report commentary, and company response.
      - Preparing and Uploading the Report of Examination
        The examiner in charge (EIC) can decide what information to include in the report (examiner observations, findings, report commentary, etc.). Preparing the report takes place outside the system.
      - Using a System-generated Report of Examination
        How to use the SES system-generated report of examination (ROE) to create a draft ROE for mortgage and MSB examinations.
      - Managing Report Commentary
        Participants on an exam can add Report Commentary and mark their own report commentary complete. This informs the Examiner in Charge (EIC) that the commentaries are ready to be exported and included in the report (if applicable).
      - Managing Reviews of the Report of Examination
        The review process consists of a primary reviewer and optional additional and peer reviews. This section discusses how to manage the review process.
        Sending the Report for Peer Review
        If your agency’s supervisory process requires the Examiner in Charge (EIC) to make the decision of approving the report while still getting the input of others on the team, the report should be sent for peer review.
        Peer Reviewing the Report
        The Examiner in Charge (EIC) can send the report for peer review to any participant on an exam. The peer review function allows an EIC to route a Report of Examination (ROE) to another participant on the Supervisory Activity for review.
        Sending the Report for Review
        The review workflow allows the Examiner in Charge (EIC) to give the final approval decision to the first person selected as the reviewer, the primary reviewer. If the EIC wants to retain the ability to make the approval decision, then send the report for peer review.
        Reviewing the Report
        The review workflow allows the examiner in charge (EIC) to send the report for review to a primary reviewer (the first reviewer selected) and additional reviewers. The primary reviewer can approve the report and mark it complete.
      - Marking the Report Complete
        The Examiner in Charge (EIC), Staff Director or Staff User must update the final version of the Report of Examination (ROE) after the assigned reviewers have completed their review and mark the report complete. The final version of the report, in the correct format, must be uploaded.
      - Assigning a Package Assembler
        Before sending your agency’s Report of Examination (ROE) and Matters Requiring Attention (MRA) to the company, you must assign a Package Assembler who puts together all documentation, comments, and invoicing information.
      - Assembling and Sending the Report Package to the Company
        The report package contains your agency’s examination report, matters requiring attention (MRAs), documentation, comments, and invoicing information.
      - Retracting the Report of Examination
        You can retract the full report package after you send it to the company for the first time and before the company sends a response.
      - Deleting Report Versions
        You can delete report versions before a supervisory activity is closed and locked.
      - Exporting Report Commentary
        Exporting the Report Commentary sends an email to the Examiner in Charge (EIC) with all the report commentaries from the exam team in a Word® document.
      - Responding to a Report Response Due Date Extension Request
        Companies can request an extension for the report response. You can choose to accept or reject their requested due date. You also have the option of entering a new due date for the report response.
      - Marking Report Response from Company as Complete
        When the company has submitted their response to the report, you must mark the response as complete before the staff director or staff user can close out the exam.
      - Sending Back the Report Package to the Company
        How to send the Report of Examination (ROE) back to the company after receiving a response.
    - Matters Requiring Attention
      Matters Requiring Attention are optional tools to enable communications between agency and company regarding the resolution of findings from the exam.
    - Closing Out a Supervisory Activity
      When a Supervisory Activity is completed, you can close and lock it.
    - Managing Time and Expenses
      SES provides functionality that allows you to document the time and expenses your agency incurs while conducting a supervisory activity.
  - Networked Supervision
    Networked Supervision allows agencies in multiple states to share resources on a supervisory activity.
- SES Examinations and Investigations Resources for Companies
  Responding to examinations and investigations in State Examination System (SES).
- Managing Interactions
  The Interactions page serves as a place where communication between the agency and company is captured. This includes emails, phone calls, meetings, physical mail and other miscellaneous forms of communication specific to the supervisory activity.
- SES Supervisory Activity Reports
  SES has several reports that allow you to view staff workload, plan assignments, identify supervisory activities with no examiners assigned, and view the progress or status of supervisory activites and responses to information requests.

Managing Reviews of the Report of Examination

The review process consists of a primary reviewer and optional additional and peer reviews. This section discusses how to manage the review process.

Process Overview

The report of examination (ROE) can either be sent for peer review or review. Peer review is when the ROE is sent for review to anyone on the exam. After the peer review process is complete, the examinart in charge (EIC) is responsible for marking the ROE complete.

When sending the ROE for review, it can only be sent to those who hold the Reviewer role in the system. If the EIC sends the ROE for review, then it is the user with the Reviewer role in the system that is responsible for marking the ROE complete.

Peer Review

Peer review is different from the review that often leads to an approval of the Report of Examination (ROE). Use of peer review is optional and can be used before a review process if desired.

Review

In the review process, the primary reviewer (a user with the Reviewer role in the system) is responsible for final approval of the report. If the Examiner in Charge (EIC) wants to retain the ability to make the approval decision, then the ROE should only be sent for peer review.

Note: Once the report is marked complete, no further changes can be made to the report. If multiple reviewers need to review the report, add all the necessary reviewers at one time.

Need More Help?

Agency users, please visit the Secure Portal for phone and email contacts.
Company users should call the Call Center at 1-800-269-6189. Agency users should not call this number.