THE CONSULTANTS
  • Home
  • Services
    • Pre-Audit Worksheet
  • Reviews
  • Contact
  • Compliance Training
I met Dave about 20 years ago when he opened A Cut Above Pawn in Beaverton.  From the first time I met with Dave I realized that he was an honest and dedicated member of the community.  His passion for doing things the right and ethical way fell in line with how I handle things.  From the beginning he pushed to better an industry he had just joined. 
Since then he has always been a phone call away for me to ask about a business issue or just a life issue.
He became an active member of the Oregon Pawnbrokers Association (OPA) and worked tirelessly on the Board with my father Earl Oller, founder of the OPA to promote and defend the pawn industry.  His integrity is second to none, and even as competitors in business he always looked out for my stores best interest, defending our business as if it was his own.  We often worked in tandem helping our customers and industry partners alike.
As the current President of the OPA, I have relied on Dave’s experience to guide me through some legislative issues along with dealing with policies in areas of compliance and due process procedures.  He has continued to be a strong voice for the OPA and has continued his passion for the promotion and defense of the Pawn industry.
Six years ago, I purchased a nationally recognized AML program. I filled out the online questionnaire and had a brief 30 min phone interview with the compliance officer, paid my money and had a manual delivered to the store with no further training.  I had my compliance manual but still did not feel like I understood what I was supposed to do.  When I asked the AML program owner if they would show up and help me answer any questions in the case of an audit, I was told “no” unless their program was called in to question. I was then told that if I had any other questions in the future I would be billed for their time.
About a year later Dave sat me down to ask my opinion on him starting a consulting company dealing in AML regulations. Excitedly I asked him not to just stop at the AML compliance but to tailor it to each store’s need, including things like state and local ordinances, kind of like a personalized playbook on running your store and dealing with the regulations.
In continuation with Dave’s desire to promote the importance of the Oregon Pawnbrokers Association, he offered his program at an extreme discount to any member in good standing with the OPA.  His yearly fee is not just for the manual and a yearly audit, but it is more like a retainer for his services and advise for the entire year.  Best money you could spend for your business.  Just like paying to secure your store with your alarms, insurance and employees, by hiring Dave you can secure your business in the areas of compliance regulations.  You will have yourself a true ally tapping his 20 years of pawnbroking experience and a vast network of resources, that will stand by your side whether you are dealing with federal compliance issues, local law enforcement, or just in need of an ear to bend for help running your business.
 
Josh Oller
Owner, Silver Lining Jewelry and Loan

Dave Griffiths, The Consultants have my highest regards and respect.
When a bank wanted to deny my company a checking account because we were a pawn shop, Dave immediately took over helping us. He called the bank, explained what was needed for them from me putting the bank's mind at ease assuring them we would be  AML Compliant by the end of the week. I received a phone call from the bank within 1/2 hour stating we were welcomed to do business at their bank.
Been banking there since.
Dave went above and beyond the call of duty for us, giving us the required class and books required to make us Compliant.
If anyone would like to talk to me about referring Dave for work, feel free to call or email me.
 
Samuel H. Newnam
The Pawn Shop, Modesato, CA
The Consultants, specifically Dave Griffiths, has been invaluable getting me up to date and in full compliance with complicated laws that are difficult to understand without guidance.
Dave has helped me set up a program that covers all aspects of compliance and has always been available for assistance with any questions I have had.
To get your business in compliance I would highly recommend Dave & The Consultants without hesitation.

Dug Karlson
Axels Pawnshop

 We first met Dave Griffiths at a convention of the Washington State Pawnbrokers. He did a presentation that we found to be very helpful and full of information. We already had an AML program and manual, but the information Dave provided went above and beyond what we already had. Dave came to our store and discussed at length what we needed to have in our manual and explained everything to us in detail. By being there in person, he was able to individualize and personalize the services he offers to our unique needs. He set up a new program for us, with a compliance manual that has sections that are easy to understand and easy to read. He does an independent audit for us each year, and also does training for our employees. He knows and understands the pawn business, and genuinely cares about other companies understanding and being in compliance.
If you have a question about ANYTHING regarding AML programs, red flag rules, DOD MLA, Title 26 and Title 31, ID Theft, (and many others I’m sure), Dave will have the answers. He stays on top of everything you need to know about regulations. He is just a phone call away – and he ALWAYS is reachable. He always gets back to us promptly.
Laws, rules, and regulations are always changing, and Dave has been there to help us remain in compliance. We’re less concerned about missing a new rule or regulation because Dave is there – he is an important element in our wanting to remain in compliance. He’s also very personable and easy to communicate with.

Andrew & Sally Koch
Wapato Pawn & Trade, Wapato, WA


I feel fortunate to have worked with Dave since becoming a pawnbroker myself in 2006.  As a leader in the Oregon Pawnbroker Association, his well rounded perspective and ability to work successfully with multiple stakeholders has lead to positive change for our industry across the state.  After the sale of his own licensed pawnshop, Dave continued to participate as an active member of the Oregon Pawnbroker Association proving his dedication to the success of our industry.
Having now transitioned into his consulting business, my chain of pawnshops uses Dave’s services for regulatory compliance and identifying performance improvement opportunities.  He has tremendous real world experience that I have found helpful in my navigating the ever-changing components of today’s business environment.  Dave is a tremendous asset to my business and the pawn industry as a whole.  I would recommend his services to any business owner looking to run a smoother, more profitable operation.
 
Josh Poling
Cash Connection

I have owned and operated pawn shops for more than 15 years.  During that time I have learned to assess and appreciate value.  In this business, value and low price are not always the same.  When buying for resale, of course low price matters, but when making a loan, the higher the loan amount, the more interest we make.  Therefore, in order to maximize profit, we have to determine the best value for every transaction.
Dave Griffiths and The Consultants offer great value.  As a former pawnbroker he understands the business and the challenges we face.  Among those challenges is staying informed about the various laws and regulations.  Most pawnbrokers are busy running our business and don't have the time to write compliance manuals or pay dedicated compliance officers.  With his knowledge and experience Dave keeps us educated about laws affecting our business as well as educated about the most efficient way to stay on the right side of the regulations that we must follow.

Tim Adams
Checkmate Pawn



Proudly powered by Weebly
  • Home
  • Services
    • Pre-Audit Worksheet
  • Reviews
  • Contact
  • Compliance Training