Banking
AI automation agency for banks and credit unions
We build AI automation for community banks and credit unions that want lenders lending and member service staff helping members, not rekeying data between the core, the loan origination system and a shared inbox. Our work connects systems such as nCino, MeridianLink, Jack Henry, Fiserv and FIS with document handling, reporting and service channels, with the controls examiners and your vendor management program expect.
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Quick answer
How can AI automation help a community bank or credit union?
AI automation helps community banks and credit unions by classifying and filing loan documents into nCino or MeridianLink, extracting financials for spreading, preparing KYC and AML case files and answering routine member questions. Staff keep every credit and compliance decision, and workflows run in accounts the institution owns with logging for examiners.
- Loan documents are classified, checked against the checklist and filed to the right loan
- AI drafts spreads, credit memos and AML case summaries for staff to review and decide
- Workflows support GLBA safeguards with role-based access, logging and institution-owned tenants
- Integration with Jack Henry, Fiserv or FIS cores depends on your contract and access
01
Where community banks and credit unions lose the most time
Community institutions run on the same processes as large banks with a fraction of the staff. Loan processors, BSA officers and member service teams spend much of the day moving information from emails, PDFs and portals into the core and the LOS, then checking that it landed correctly.
The pressure grows at quarter end, during exam preparation and whenever a new product or branch adds volume without adding headcount.
- Chasing and stacking loan documents (tax returns, pay stubs, financial statements, appraisals) into nCino or MeridianLink
- Spreading business financials and preparing credit memos for loan committee
- Collecting and checking KYC and beneficial ownership documents for new accounts
- Working AML alerts and preparing case narratives for BSA review
- Answering routine member and customer questions about balances, transfers, cards and payoff amounts
- Building board, ALCO and call report support packages from several systems
02
Banking automation we build
We usually start with loan document intake, because it is high volume and the steps are consistent. Documents arriving by email or a borrower portal are classified, named, checked for completeness and filed into the right loan in your LOS, with a list of what is still missing sent to the processor.
Next comes onboarding and KYC document handling, then reporting. Reporting projects pull data from the core, the LOS and the general ledger into a Power BI or Looker Studio dashboard so management and board packages refresh on a schedule instead of being rebuilt in Excel every month.
WHAT WE BUILD
What we automate for banking & credit unions
Typical automations, each scoped and quoted at a fixed price after a free review.
Loan document intake and stacking
Classifies borrower documents from email or portal uploads, checks them against the loan checklist and files them to the right loan in nCino or MeridianLink.
Financial spreading and credit memo drafts
Extracts figures from tax returns and financial statements into your spreading template and drafts credit memo sections for the lender to review and edit.
KYC and beneficial ownership checks
Reads IDs, formation documents and ownership forms for new accounts, flags missing items and prepares the file for BSA review.
AML alert case preparation
Gathers transaction history, prior alerts and customer profile data into a case summary so analysts start each investigation with context.
Member service chatbot and voice agent
Answers routine questions from approved content, verifies the member before any lookup and hands off to staff with a summary of the conversation.
Board and ALCO reporting
Pulls loan, deposit and GL data from the core into Power BI so board and ALCO packages refresh on a schedule.
Maturity and renewal tracking
Lists upcoming loan maturities, CD renewals and expiring insurance or financial covenants and creates tasks for lenders and officers.
03
AI agents for banks and credit unions
AI agents are useful where staff read documents and write summaries. An agent can extract figures from business tax returns and financial statements into a spreading template, draft the first pass of a credit memo for a lender to edit, or summarize transaction history and prior alerts so a BSA analyst starts an investigation with context.
For member service, an AI chatbot or voice agent can answer common questions from approved knowledge, look up non-sensitive information after authentication and hand off to staff with a summary. Agents do not make credit decisions, file SARs, close accounts or give financial advice. Those remain with your staff and are logged for review.
04
GLBA, exam readiness and vendor management
Banks and credit unions work under GLBA privacy and safeguards requirements, FFIEC guidance and examiner expectations from the FDIC, OCC, Federal Reserve, NCUA and state regulators. Fair lending rules also matter wherever automation touches credit. We design with those constraints in mind: data stays in tenants your institution owns, access is role-based through your SSO, actions are logged and AI providers are configured not to train on your data.
We expect to go through your third-party risk management process and can provide architecture, data flow and access documentation for it. Your compliance officer and counsel decide what is required. We make the workflows easy to explain to an examiner.
05
Core and LOS systems we connect
We work with the cores and lending platforms common at US community institutions: Jack Henry (SilverLake, Symitar), Fiserv (DNA, Premier), FIS, nCino and MeridianLink, along with digital banking, document management and BSA/AML tools. Integration options vary by core and contract, so we confirm API access, exports or middleware during the review.
Workflows are built in n8n, Power Automate, Make or custom Python, and can run inside your own Azure or AWS environment when your IT and security teams prefer that.
06
How a project works and what it costs
We start with a free review, usually a screen share of one process such as commercial loan document intake or new account KYC. You then get a fixed-price quote split into stages. Most bank and credit union projects take 1 to 8 weeks, with core integrations and vendor review typically adding time at the start.
Each stage ships something your team can use. Your institution owns every account, workflow and line of code, which helps with vendor management and continuity planning.
TOOLS
Tools we connect
FAQ
AI automation for Banking & Credit Unions questions
How can AI be used in community banks?
Community banks typically use AI to classify and extract loan documents, draft credit memos and financial spreads, prepare AML case summaries and answer routine customer questions. Staff review the outputs and make every credit, compliance and account decision.
Does automation work with Jack Henry or Fiserv cores?
Usually, yes. Jack Henry, Fiserv and FIS offer integration options, though what is available depends on your core, your contract and any middleware you use. We confirm the right approach during the free review.
Can AI help with KYC and AML work at a credit union?
Yes. AI can read onboarding documents, flag missing beneficial ownership details and gather context for alerts so analysts spend less time collecting data. Decisions on alerts, SARs and account actions stay with your BSA team.
Is AI automation GLBA compliant?
Automation can be designed to support GLBA safeguards with access controls, encryption, logging and data kept in your own tenants. Compliance depends on your whole program, so your compliance officer and counsel make that determination.
Will you go through our vendor due diligence?
Yes. We expect banks and credit unions to run a third-party risk review, and we provide documentation on architecture, data flows, access and the AI providers involved.
How much does automation cost for a bank or credit union?
We quote a fixed price after a free review. A single workflow such as loan document intake can take two to three weeks, while projects with core integration and reporting typically take six to eight weeks.
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GET A FREE PROPOSAL
Tell us what you want automated
Describe the process that eats your team's week. We reply within one business day with a first take on what can be automated, which tools fit and roughly what it would cost.
- Free 30-minute automation review
- Fixed quote before any work starts
- You own every workflow, account and line of code