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Your one-stop solution for compliance and risk management


MM&T, Incorporated was established in 1987 and is a privately held corporation providing quality, affordable risk management and compliance planning solutions designed to meet the unique needs of community banks and credit union. For nearly 30 years, we have been transforming the way financial institutions measure, manage and mitigate the risks associated with rapid developments and changes in banking technology, laws, practices, and regulations.


From our fully-integrated Compliance Assistant Plus (CA-Plus) software to our expert professional consulting services — you can rely on our solutions to meet all of your institution's internal and external requirements. We provide easy-to-use, cost-effective tools to develop, implement and maintain dynamic strategies for business continuity and disaster recovery, vendor management, and enterprise-wide risk management.

David L'Heureux



Before starting MM&T, Dave was President & CEO of John O. Todd Services, a multi-billion dollar firm specializing in non-qualified pension planning for Fortune 500 companies. He also oversaw nine data centers as EVP & COO of FBC, Incorporated, a service bureau for Northeastern financial institutions.


When talk of Y2K began, Dave anticipated the growing role technology would play in the future of banking operations, as well as the new, complex laws and regulations to follow. In 1987, Dave founded MM&T to help financial institutions deal with these new realities—offering innovative, affordable solutions for managing regulatory compliance requirements.


Over 30 years later, MM&T remains a leading provider of the tools and resources financial institutions need to successfully navigate the ever-changing landscape of banking in the 21st Century.

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We maintain strategic alliances with experienced IT and banking industry professionals and companies — contracting experts from our affiliate network of skilled, affordable subcontractors on an as-needed basis to provide the highest level of service to our clients at the most economical cost.




In the technology-driven, strictly-regulated world of banking, institutions must remain strategically positioned to adapt to changes in regulatory compliance, as well as shifts in consumer demand. At MM&T, we provide the tools and practical expertise necessary to protect corporate assets, satisfy regulations, ensure financial stability, and maintain customer satisfaction. Here are some the financial industry clients who rely on our products and services:


BNC Financial Group, Inc, CT
Dean Bank, MA
Envision Bank, MA

Greenfield Co-operative Bank, MA
Peoples Bank, MA
Salem Five, MA
Salisbury Bank & Trust Company, CT
Union Savings Bank, CT


Pitney Bowes FCU, CT
Seasons FCU, CT

Waterbury Telephone FCU, CT


CTComp, CT
Fiserv, WI

Crowe LLP, IL

Microsoft, WA


"I could never have satisfied NCUA requirements without MM&T's involvement. All of their associates were extremely knowledgeable. With MM&T as advisors, I felt I was not spinning my wheels or going in the wrong direction. I would not hestitate recommending MM&T."

KEITH WIEMERT / President / Seasons Federal Credit Union / Middletown, CT

"MM&T possesses a thorough understanding of the competitive pressures faced by community banks and the technology needed to compete. Our revised plan provides us with a practical roadmap for implementing IT strategies that support our bank’s overall strategic plan."

Charles Frosch / President & CEO (Retired) / Union Savings Bank / Danbury, CT

"I have had the pleasure of working with MM&T for the past two decades and, although I could list many reasons for doing so, two things stand out: (1) responsiveness and capabilities of their management and staff, with a true interest in making the CA-Plus system what the customer needs and wants, and (2) excellence of the CA-Plus Risk Management platform for financial industry institutions large or small."

Tom Grottke / Managing Director / Crowe & Associates / Hartford, CT

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