What can lead to a bank being deemed non-compliant?

The determination that a bank is non-compliant is often linked to its ability to address and rectify issues identified during compliance audits. When a compliance audit reveals deficiencies—such as violations of regulatory requirements or internal policies—there is an expectation that the institution will take prompt corrective action to resolve these issues. Failure to rectify the identified problems signifies a lack of commitment to compliance and regulatory standards. This not only poses significant risks to the bank's operations but also can lead to legal and financial repercussions, potentially resulting in penalties or increased scrutiny from regulatory bodies. Thus, the inability to address audit findings appropriately is a clear pathway to non-compliance.

In the context of the other options, while implementing new technology without training could lead to operational issues and perhaps affect compliance indirectly, it does not directly indicate a failure to adhere to regulatory standards in the same way that not rectifying audit findings does. Similarly, increasing customer service hours or expanding product lines without approval may impact efficiency or operational controls, but they do not inherently signal an overarching lack of compliance with regulatory obligations.