Clients | References

Your one-stop solution for regulatory compliance & risk management

MM&T, INCorporated

Established 1987

MM&T, Incorporated is a privately held corporation providing quality, affordable risk management and compliance planning solutions designed to meet the unique needs of financial institutions. For over 20 years, we have been transforming the way 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 (CAPlus) software to our expert 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, disaster recovery, vendor management, and enterprise-wide risk management.

Contact us today to setup your free consultation!

David L'Heureux

President & CEO

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 20 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.

Connecticut Computer Service (CCS)


Founded in 1983, Connecticut Computer Service has been providing IT solutions to area businesses for over twenty-six years. As Connecticut’s only combination Microsoft Gold Certified Partner, Hewlett Packard Gold Business Partner with Authorized Service Center, Cisco Premier, Symantec Gold Partner and Citrix Silver Solution Provider, we are committed to providing the most comprehensive and reliable service and support available.

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FISC Solutions


FISC provides full-service outsourcing solutions that make the operations of financial institutions, businesses and non-profits more efficient. Services include item processing, remittance processing, caging services and statement and invoice printing.

Headquartered in Lewiston, Maine with offices in Portsmouth, New Hampshire, FISC has provided back office solutions for more than 30 years.

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Certified Partner

As a Microsoft Certified Partner, we develop our solutions to be fully-integrated and compliant with a broad range of Micrsoft products.

We are also certified to help make smart licensing decisions to support your CAPlus products based on your institution's unique organizational and budget needs. We help you find attractive pricing, financing, predictable cost options, and value-added benefits that can help reduce the cost of Microsoft software license acquisition, software asset management (SAM), and technology development.

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Northeastern Banking Services Group


Northeastern Banking Service Group is a full service management consulting firm partnering with community banks to assist with critical projects in a timely and cost effective manner. Our focus is on working with our clients to improve their operating performance and competitiveness.

NEBSG is made up of experienced banking professionals (averaging over 20 plus years) who provide solutions and not just analysis and reports.

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Security Management Partners


Founded in 2001, Security Management Partners is a privately-owned IT security audit and assessment professional consulting firm with a singular focus on providing security services to identify, test and provide remediation advice to eliminate external and internal information security risks.

Since 2001, Security Management Partners has helped hundreds of clients across multiple markets to eliminate vulnerabilities that could have lead to an attack on an organization’s information assets. All of SMP’s assessments are conducted with 100% neutrality because we do not sell any hardware or software products nor do we have any business relationship with any other firm. Our Assessment Methodology has been developed over time, refined with experience and includes both strategic and operational analysis. Security Management Partners is a nationwide leader in incident response services and investigative and digital forensics work.

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Agility Recovery Solutions


Agility Recovery Solutions is a former division of GE with 21 years disaster recovery and business continuity experience. We are dedicated to creating and delivering innovative business continuity solutions that challenge the traditional industry barriers of scale, cost and complexity. As such, we provide comprehensive, packaged recovery solutions, consulting services and testing options to businesses across the United States and Canada.

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Advantz™ provides customizable, dynamic business initiative and project management software to support any business change management process. Their enterprise-wide solution features an intuitive user interface that lets users know where they are in the process at all times, as well as graphical notifications to keep teams informed of progress made at all levels, which saves time and reducing effort.

By increasing understanding, reducing meetings and improving communication, the Advantz solution helps speed up your business projects.

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Meet our team of experts and business partners. We maintain strategic alliances with experienced IT and banking industry professionals and business partners—ccontracting 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.

Our Clients

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 insitutions who rely on our products and services:

Financial Institutions

TD Bank, ME
The First Bank Of Greenwich, CT
BNC Financial Group, Inc, CT
Border Trust, ME
Community Guarantee, NH
Connecticut Mutual Holding Company, CT
Country Bank for Savings, MA
First County Bank, CT
Florence Saving Bank, MA
Dean Bank, MA
Greenfield Co-operative Bank, MA
Milford Bank, CT
Naugatuck Savings Bank, CT
NewAlliance Bank, CT
Norway Savings Bank, ME
Pentucket Bank, MA
PeoplesBank, MA
Salem Five, MA
Salisbury Bank & Trust Company, CT
Savings Bank Of Danbury, CT
The First National Bank of Suffield, CT
The Bank of New York, NY
Union Savings Bank, CT

Credit Unions

Associates FCU (Konica), CT
Enfield Community FCU, CT
Franklin Trust FCU, CT
Hartford Fire Fighters FCU, CT
Hartford Police FCU, CT
Holyoke CU, MA
Milford Municipal FCU, CT
New London Telephone FCU, CT
Newington FCU, CT
Northeast Credit Union, NH
Norwalk Telephone FCU, CT
Personal Care America FCU, CT
Pitney Bowes FCU, CT
Putnam FCU, NY
Seasons FCU, CT
Telephone Workers Credit Union, MA
Tremont Credit Union, MA
Waterbury Postal FCU, CT
Waterbury Telephone FCU, CT

Service Bureaus

Connecticut Computer Services, CT
Fiserv, WI
Security Management Partners, MA
FISC Solutions, ME

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At MM&T, we believe maintianing production professional relationships is as important as delivering high-quality, affordable software solutions and consulting services. Here are a few clients who can attest to that:

Susan Shields, Senior Vice President
The Milford Bank

Randall Miller, First Vice President
Hudson United

John Tinnirella, Executive Vice President
The First National Bank of Suffield

Earle Harvery, President
Border Trust

Jack Brown, Manager
Waterbury Postal FCU

Cynthia Dennis, Vice President
Peoples Bank

Bill McNamara, Senior Vice President
Union Savings Bank

Thomas Foresta, CIO
Dean Bank

Ralph Carbone, President
Connecticut Computer Service

Suzette Leal, IS Operation Manager
The Savings Bank of Danbury

Holly E. Pouliot, CIO
Pentucket Bank

Susan Teixeira, Vice President
Country Bank

Keith Wiemert, President
Seasons Credit Union

James T Woloham, Executive Vice President
Holyoke Credit Union

Brandon Lively, Vice President & CIO
Greenfield Cooperative Bank

Jack Lynn, Executive Vice President
Thomaston Savings Bank Bank

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