Built for Sponsor Banks

More programs. Same team.

Agents do the first pass. Your team dispositions. 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

You are accountable for your fintech partners’ compliance, but you do not run their daily operations. Reports arrive from every partner on monthly, quarterly, and annual cycles, and someone has to consolidate them. Hickory prepares those packages, so your time goes to reviewing results rather than collecting them.

Every partner in one view. Complaints, testing results, and open issues across all programs, side by side.
Reporting ready on schedule. Monthly, quarterly, semi-annual, and annual packages are prepared as partner data arrives.
Corrective action plans stay current. Each open issue shows its owner, its due date, and the evidence submitted against it.
Every figure traces to its source. Open any number to see the partner, the submission, and the system behind it.

Workflows

Partner oversight is largely assembly work: reviewing complaint reports for trends, responding to agency complaints, completing monitoring and testing, and preparing board materials. Hickory gathers the information and prepares the first draft. Your team reviews and decides.

Complaint trends identified for you. Partner reports are categorized, compared against prior periods, and summarized with outliers flagged.
Agency complaints prepared with the supporting files. Account history, prior contacts, the partner’s response, and a draft reply, held until you approve it.
Monitoring and testing in examiner-ready form. Populations pulled, samples tested against your criteria, workpapers prepared.
Board materials prepared from live data. Built on the same records as your reporting, with no re-keying.

Knowledge base

Your partners propose innovative products the regulations never anticipated, and determining applicability falls to you. Hickory provides the answer with the governing regulation quoted, so your position is supported.

Applicability answered for non-standard products. Each response names the regulation, the provision, and the reasoning.
Every answer quotes its source. Regulations, Federal Register releases, and agency guidance, cited, not recalled.
Your program informs the answer. Responses reflect your policies and the requirements you place on partners.
Advisory work stays on the record. The question, the citation, and your decision are retained for examination.