Compliance infrastructure that compounds
We built the regulatory architecture first. The APIs followed. Financial institutions partner with us because compliance is foundational, not retrofitted.
Last updated: January 6, 2025
Compliance Infrastructure
Enterprise-grade compliance built for regulatory scrutiny. Every component designed for examiner review from day one.
True Lender Architecture
Core architectureStructural separation between technology provider and lender. Your institution makes all credit decisions, owns all loans, bears all credit risk. Fee architecture tied to technology services, not loan performance. Documentation trail demonstrates your control from origination to payoff. Satisfies all six state True Lender frameworks.
UCC Perfection Engine
Operational50-state UCC-1 filing automation with jurisdiction determination, debtor name validation, and collateral description generation. Control agreement workflows for UCC Article 8 securities and Article 12 digital assets. Continuation tracking with automated reminders before 5-year expiration.
Model Risk Management
Built-inOCC Bulletin 2011-12 compliant valuation methodology with complete documentation, independent validation framework, and governance structure. Every assessment includes confidence scores, data sources, and audit trail.
SOC 2 Type II
Q2 2026Third-party audit of security, availability, and confidentiality controls. Using Drata for continuous compliance monitoring and evidence collection. Report available to qualified prospects.
Regulatory Framework Alignment
Proactive alignment with examiner expectations. Documentation packages generated on demand for any regulatory inquiry.
FFIEC IT Examination Handbook
Security and operational controls aligned with FFIEC guidance for technology service providers serving financial institutions. Comprehensive risk assessment documentation and control mapping.
NCUA Third-Party Risk (Letter 18-CU-03)
Addresses credit union third-party vendor risk management requirements per NCUA examination guidelines. Due diligence package, ongoing monitoring, and incident reporting procedures included.
OCC Bulletin 2013-29
Third-party relationship risk management documentation for bank examiners. Material change notifications, periodic risk reassessment, and contract compliance monitoring built in.
Security & Operations
Operational security measures that protect data and systems with examiner-ready documentation.
Encryption Standards
AES-256 encryption at rest. TLS 1.3 in transit. Key management per NIST 800-57 guidelines. Hardware security modules for critical key material.
Tenant Isolation
Multi-tenant architecture with complete data isolation between institutions. No data commingling. No cross-tenant analytics. Each institution's data lives in isolated logical partitions.
Access Controls
Role-based access control with principle of least privilege. Multi-factor authentication required. Comprehensive audit logging of all access events.
Penetration Testing
Quarterly third-party penetration testing identifies and addresses potential vulnerabilities. Results available to qualified prospects as part of due diligence package.
Incident Response
Documented incident response procedures with defined notification timelines and escalation paths. Contractual notification commitments in service agreements.
Business Continuity
Disaster recovery and business continuity plans with defined RTOs and RPOs. Multi-region deployment with automated failover. Annual DR testing with documented results.
Due diligence documentation on demand
For compliance documentation, due diligence packages, or examiner support, contact our compliance team. We provide comprehensive documentation for vendor assessment and ongoing monitoring.