Built for Community Banks

Big bank rules. Community bank team.

Agents do the first pass. Your team decides. Everything is documented.

Experts in Compliance, BSA, and Banking Operations build workflows tailored to you.

Hickory gives a compliance team the capacity of another analyst, without the headcount and with an audit trail built in.

Reporting

Manage compliance, AML program, and the testing function together, all in one place. The board still expects its report on schedule, and system reports continue to accumulate. Hickory prepares the board package and reduces system reports to the items that require your attention.

Board reports prepared from live data. Built from your core each cycle, with every figure traceable.
System reports arrive triaged. Exceptions are identified and grouped; routine items are documented as reviewed.
The EDD backlog moves. High-risk customer reviews arrive assembled, with account and transaction history attached.
Coverage is demonstrable. Every review is logged, which matters when the entire function is one person.

Workflows

HMDA and CRA data preparation, examination and audit requests, and your testing schedule all compete for the same hours. Hickory pulls the data, reconciles it, and prepares the first draft of each.

HMDA and CRA data prepared and validated. Fields matched against the loan file, with discrepancies flagged before submission.
Examination and audit requests answered completely. Each item returns with its supporting documents, which avoids repeat rounds.
Testing workpapers prepared. Populations pulled, samples tested against your criteria, workpapers written for your sign-off.
Business line questions answered the same day. With the regulation cited, so compliance is not the bottleneck.

Knowledge base

You cover deposit, lending, and mortgage compliance along with CRA, Reg W, and Reg O, without a specialist behind any of them. Hickory answers across that full range, quotes the regulation, and accounts for your own policies.

The full product range, not a single specialty. Deposit, credit, and mortgage questions answered in one place.
Including the regulations most often missed. Reg W affiliate transactions, Reg O insider lending, and CRA obligations.
Your policies are part of the answer. Responses reflect the procedures your bank actually follows.
Rule changes arrive explained. What changed, whether it reaches your products, and your determination on the record.