NFAIRLENDING 案例研究：Rockland Trust 利用 Nfairlending 发现新机遇，同时降低红线风险
公司规模
Large Corporate
地区
- America
国家
- United States
产品
- Nfairlending
技术栈
- Web-based solution
实施规模
- Enterprise-wide Deployment
影响指标
- Productivity Improvements
- Customer Satisfaction
技术
- 分析与建模 - 实时分析
适用行业
- 金融与保险
适用功能
- 商业运营
用例
- 监管合规监控
- 质量预测分析
服务
- 数据科学服务
关于客户
Rockland Trust 是一家成立于 1907 年的银行，在马萨诸塞州和罗德岛州承销商业 (70%) 和消费者 (30%) 贷款。该银行在过去十年中发展迅速，收购了多家银行并扩大了其贷款组合。该银行的市值为 130 亿美元，位于马萨诸塞州罗克兰。自 2016 年以来，它一直是 Nfairlending 的客户，其主要审查者是 FDIC。该银行的主要任务之一是确保其不存在不受控制的红线风险，这项任务由 Rockland Trust 的合规副总裁兼公平贷款官 Allen Bernier 监督。
挑战
Rockland Trust 是一家在马萨诸塞州和罗德岛州提供商业和消费贷款的银行，过去十年来，该银行发展迅速，收购了多家银行，扩大了贷款组合。随着监管机构和审查人员对银行合理预期市场区域 (REMA) 的持续审查，Rockland Trust 的合规副总裁兼公平贷款官 Allen Bernier 希望确保其机构采取一切必要措施确保合规。他的一项主要任务是确保其银行没有不受控制的红线风险。当使用竞争对手的 HMDA 产品时，Bernier 的团队会花一整天时间调整数据和研究公式。这使他们几乎没有时间专注于分析最重要的事情 — — 数据的实际含义。
解决方案
Rockland Trust 希望找到一种经济高效的解决方案，帮助其管理合规性、降低合规风险并更好地了解其贷款数据。Nfairlending 是一款基于 Web 的安全解决方案，可帮助银行轻松管理其 HMDA 和非 HMDA 贷款的公平贷款合规流程，并可即时分析数据和提供可靠的报告，从而节省时间和精力。Bernier 使用 Nfairlending Redlining Analytics 模块分析其银行的数据，以查找营销不足的社区 - 这可能是红线的指标。为了确保其银行的营销实践不存在 REMA 问题或红线风险，Bernier 收集了营销部门发送直邮广告的邮政编码列表，并绘制了发送地点的热图。使用 Nfairlending 的 Redlining Analytics，他将邮政编码添加到分析区域参数中，并按人口普查或邮政编码绘制地图。通过比较这两张地图，他可以确定是否排除了低收入或中等收入 (LMI) 社区内或附近的区域。
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