Operator vertical
Production AI for Credit Unions
Card and ACH fraud, BSA/AML alert triage, and KYC document intelligence for $200M–$5B asset credit unions, built to survive a NCUA exam.
Built for: CRO, VP Compliance, or CIO at a $200M–$5B asset credit union
What breaks before AI
- Card and ACH losses hit before the review queue catches up
- BSA officers drown in low-value alerts
- KYC packets are still a PDF scavenger hunt
- Board wants AI; NCUA will not accept a black box
Federal-scale fraud pipeline patterns, sized for community institutions—with model cards, evals, and human escalation contracted in writing.
Workflow pages operators search
Each page owns a specific job-to-be-done query. Start with the bottleneck that hurts this quarter.
Card & ACH fraud
Search: credit union fraud detection AI
Score card and ACH volume in real time so losses stop before settlement—without flooding the review queue.
BSA/AML alert triage
Search: BSA AML machine learning credit union
Rank BSA alerts so officers write SARs on true risk—not close noise all day.
KYC document intelligence
Search: credit union KYC document AI
Extract and validate member onboarding packets so membership is not a re-key factory.
Exam-ready model governance
Search: NCUA model risk management AI
Model cards, eval harnesses, and audit trails so AI survives exam—not just a demo for the board.
Business outcomes AI can move
- Cut fraud losses without flooding the review queue
- Reduce BSA analyst hours per true-positive alert
- Shorten KYC onboarding cycle time
- Produce model documentation a NCUA exam can read
AI capabilities
Each capability maps to a business KPI, revenue, cost, risk, or cycle time, not model accuracy on a slide.
Cost
BSA/AML alert triage
Rank alerts by true-positive likelihood so BSA officers spend time on SARs, not noise. Human-in-the-loop stays on the high-risk tail.
Risk
Card and ACH fraud pipelines
Score 100% of payment volume with the same latency pattern we run on federal transaction fraud. Losses stop before settlement.
Exam-ready model governance
Model cards, eval harnesses, and audit trails from day one. AI that can be explained to a regulator.
Cycle time
KYC document intelligence
Extract and validate member packets so onboarding is not a PDF scavenger hunt.
Production use cases
- Card and ACH fraud scoring in real time
- BSA/AML alert triage with model governance
- Member KYC packet extraction
- Exam-ready model cards and audit trails
How to engage
Start bounded. Scale only when the KPI moves.
Fraud / BSA diagnostic
From $7,500Map alert noise, false-positive load, and data readiness for a first production mandate.
Scoped production mandate
From $15kFraud scoring or BSA triage live with exam-ready governance.
Embedded partnership
From $25k/moOngoing model ops with your risk and compliance team.
Frequently asked questions
Will this pass NCUA or state exam review?
Governance is contracted: model cards, data lineage, evals, and human escalation on high-risk decisions. We do not ship a black box into BSA or credit.
We are not a $50B bank. Can we afford this?
Yes. This is built for community institutions. Start with a bounded fraud or BSA diagnostic, then a 6–10 week scoped deploy. No pyramid staffing.
How do you scope AI for our industry?
Week-one discovery locks business KPIs—revenue, cost, risk, or cycle time—not model vanity metrics. We map your data sources, compliance constraints, and existing stack, then propose a fixed-scope mandate with acceptance criteria or redirect you to a simpler path.
Do you have experience in our sector?
Proven depth sectors (financial services, federal, real estate, telecom, higher education) reflect production systems we've shipped. Growth and operator verticals (MGAs, credit unions, property management, 3PL, RCM, staffing, licensed iGaming, FFL) are selective mandates where those patterns transfer with industry-specific tuning. Biotech, insurance, and regulated work often runs under NDA.
What do we get at the end of an engagement?
Deployable code in your repos, monitoring and runbooks, documentation your team can operate, and knowledge-transfer sessions. The Production Standard is contracted in writing—no handoff to a junior bench after the sale.
What's the fastest way to start?
Book a discovery call or start with a bounded diagnostic: $2,500 Postgres audit, insurance claims-fraud diagnostic from $7,500, or the free MLOps readiness assessment. Each path surfaces whether AI is the right tool before a larger commitment.
The Production Standard
The Production Standard
Six commitments contracted in writing on every engagement.
01
Deploy or redirect
If AI isn't the right tool, we say so in week one and redirect budget to what will ship. No POC theater.
02
Metrics before models
Business KPIs locked in discovery. Model selection follows the metric, not the hype cycle.
03
Governance from day one
Model cards, access controls, evaluation harnesses, and audit trails, not a compliance bolt-on at go-live.
04
Production artifacts
Deployed code, monitoring dashboards, CI/CD pipelines, and incident runbooks. Not recommendations for someone else to implement.
05
6-week production target
Scoped projects designed for production in 6–10 weeks. Boutiques move; global programs wait for steering committees.
06
Capability transfer
Your team can operate, extend, and maintain what we build. IP and documentation transfer is included, not upsold.
Every scoped project includes a production deliverable checklist signed off before close. If we can't commit to deployable output, we won't take the engagement.
Selective intake · 2026
Your next system shouldship to production.
Agentic development from architecture through deployment, with the Production Standard contracted in writing.