Loss Mitigation Under NCUA Examination
TL;DR A credit union’s loss mitigation policy was likely written against a letter that is only half current. NCUA Supervisory Letter 13-02 still governs what examiners expect in a workout policy today. One piece of that same letter, the TDR classification and reporting requirement, has not applied as written since credit unions adopted CECL. This […]
NCUA 2026 Supervisory Priorities: The Delinquency Line
TL;DR A credit union does not get to choose whether delinquency becomes an exam topic this year. NCUA already decided that for every federally insured institution, in writing, at the start of the year. Letter 26-CU-01 names the number, states it plainly, and tells examiners where to look. This piece lays out exactly what the […]
Deposit Flight Risk: Seeing It Before the Quarter Closes
TL;DR A deposit concentration report tells you what left last quarter. It names the relationships that shrank, the share of total deposits they held, and the dollar amount that walked out the door. None of that helps the quarter you are currently in. A flight risk model is built to answer a different question: which […]
Why “AML Platform” Means Something Different to Every Vendor
TL;DR Ask three AML vendors what their “platform” covers and you get three different answers. One vendor means a full compliance suite, sanctions screening, transaction monitoring, case management, and SAR filing, all under one roof. Another means a monitoring or risk-scoring engine built to plug into a suite the institution already runs. A third means […]
How AML Fraud Detection Cuts False Positives Without Missing Real Cases
TL;DR An AML program built on static threshold rules learns to flag a wire over a set dollar amount, a transaction matching one of several typologies, a pattern that fits a published red flag. None of those rules check whether this specific transaction, from this specific customer, with this specific history, looks like anything beyond […]
What Predictive Analytics Software Has to Do Inside a Regulated Institution
TL;DR Predictive analytics software has one job inside a bank, insurer, or lending institution that it does not have anywhere else. It has to score a borrower, a claim, or a transaction accurately, then show its work to a risk committee, an internal auditor, or an examiner who asks why the model said what it […]
Collections automation for lenders: what to automate first, and what to leave alone
TL;DR Most teams approach collections automation backwards. They buy a dialer or messaging tool, point it at the whole delinquent book, and find out months later that the thing creating the most risk, who gets contacted and when, was never built on a scoring model at all. This is a sequencing problem before it is […]
DSO reduction software: the levers that actually move a loan or premium book
TL;DR A lender searching for DSO reduction software usually lands on advice written for a different business. Early payment discounts, tightened invoice terms, a dunning cadence synced to a billing cycle. None of it transfers to a loan installment or an insurance premium, because none of it was written with a regulated receivable in mind. […]
Best AR Automation Software: A Buyer’s Shortlist
TL;DR Search “best AR automation software” and the results rank vendors by feature count, integration logos, and review scores. None of that tells a bank, NBFC, or insurer which of those vendors automates a collections decision end to end and which one only generates a recommendation that still waits on a person to act on […]
Credit and Collections Software: One Function or Two
TL;DR Search “credit and collections software” and the results group two different functions under one category label. Credit decisioning approves or declines an application. Collections recovers payment on an account that already went past due. Vendor listings treat them as one shopping category because many buyers evaluate both at once. That grouping does not mean […]
