NFAIRLENDING 案例研究
公司规模
Mid-size Company
地区
- America
国家
- United States
产品
- Nfairlending
技术栈
- Web-based platform
- Data Analytics
实施规模
- Enterprise-wide Deployment
影响指标
- Productivity Improvements
- Cost Savings
技术
- 分析与建模 - 数据即服务
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
服务
- 数据科学服务
关于客户
Valliance Bank 是一家位于俄克拉荷马州俄克拉荷马城的金融机构。该银行自 2017 年以来一直是 Nfairlending 的客户，主要接受 FDIC 的审查。该银行的规模为 4.14 亿美元，在管理其合规责任方面面临挑战，特别是在公平贷款方面。该银行的合规团队只有一人，即 Erin Goodall，她负责分析银行的所有公平贷款数据，以识别可能违反各种法律的行为。这是一个耗时的过程，除了她一般的合规职责外，每季度最多需要 96 个小时。
挑战
Valliance Bank 副总裁兼合规总监 Erin Goodall 是合规团队的唯一成员。她负责分析银行的所有公平贷款数据，以确定红线、差异以及任何可能违反《社区再投资法》（CRA）、《住房抵押贷款披露法》（HMDA）和其他法律的行为。这是一个耗时的过程，除了她一般的合规职责外，每个季度最多需要 96 个小时。她还必须解读结果的含义，并花费数小时创建报告，向董事会、管理层和合规委员会解释这些见解。
解决方案
Valliance Bank 实施了 Nfairlending，这是一种基于网络的安全解决方案，可让银行轻松管理其 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。Goodall 收集她想要分析的数据并将其安全地发送给她的 Nfairlending 客户成功经理。她的 Ncontracts 团队审查数据，将其导入软件平台，并确保一切准备就绪以供分析。然后，Ncontracts 计算数字并安排 Goodall 和她的专职合规分析师会面，以审查分析报告，指导 Goodall 了解任何差异和潜在风险，并解决任何初步问题或注意事项。当需要准备季度董事会会议和委员会报告时，只需单击几下即可导出可供管理的报告。
运营影响
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