The most common mistake banks make is using technology without auditing or understanding it, according to Andrew Stines, chief risk officer at the $1.77 billion Coastal Community Bank in Everett, Wash.  In this podcast, Stines, the former chief risk officer at Sunwest Bank, where he rebuilt the bank’s regulatory program, as well as an attorney, explains how banks can find themselves in trouble with regulators and the caveats for ensuring risk-free automated systems.