Built for Credit Unions

Lean team. Full program.

First pass by agents. Every decision by your people.

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

Transaction reports are either reviewed manually or run through software built and priced for a much larger institution. Hickory reduces those reports to the items that require a person, so a small team can maintain coverage.

Reports arrive triaged. Exceptions identified and grouped; routine items documented as reviewed.
Scaled to your institution. Coverage without maintaining a platform designed for expanded headcount.
Board and Supervisory Committee materials prepared from live data. Every figure traceable to its record.
Member impact is visible. Reporting shows where service to your membership is affected, not only where a control failed.

Workflows

Transaction alerts, enhanced due diligence, and fraud cases all reach the same small team. Time spent assembling files is time not spent with members. Hickory assembles the file and prepares the determination, so your team can decide and move on.

Alerts arrive prepared for your review. Account and transaction history matched to the alert, with a draft disposition prepared.
EDD files assembled for high-risk members. Relationship history, transactions, and prior reviews in one place.
Fraud cases include the evidence. Collected across systems, so members receive a response sooner.
Nothing reaches a member without approval. Letters and determinations are drafted and held for sign-off.

Knowledge base

A credit union is not a bank, but a lot of guidance is written that way. Hickory answers against NCUA supervision and your field of membership, with the regulation quoted.

Answered as a credit union. NCUA rules, not bank guidance applied by analogy.
Non-applicability stated plainly. When a requirement reaches banks and not credit unions, the answer says so and cites why.
Your field of membership informs the answer. Responses account for the membership you serve.
Rule changes arrive explained. What changed, whether it reaches your credit union, and your determination on the record.