I recently looked at Checkpoint from Thomson and thought it was a pretty good program. They have items you can e-mail out to have completed and they have all of the audit programs, just need to tailor it to your bank. They were relatively inexpensive for our size and they also had online CPE credited courses that you could use toward any certifications you may have, at an additional cost.
If you want my contact's info send me a pm.
Do what you can, with what you have, where you are.