Community Banks.
Guardial is enterprise-grade community bank compliance without the enterprise pricing or the twelve-month implementation. It meets OCC, FDIC, and state expectations with modern cloud security and one system of record. And it’s sized for the four-person team you actually have.
- No integrator
- SET IT UP YOURSELF, WITH OUR TEAM ON HAND
- Exam-ready
- KICKOFF TO A REAL, EVIDENCED PROGRAM BEFORE THE EXAM WINDOW
- Faster
- AUDIT-TEAM VELOCITY VS SHAREPOINT WORKPAPERS
The regulators
on your shoulder.
Every Guardial workflow, control library, and report template is pre-loaded for the agencies and rules community banks actually face. No “what’s UDAAP” tutorial included.
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OCC
NATIONAL BANKS · CRA · SAFETY AND SOUNDNESS · OPERATIONAL RISK
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FDIC
STATE-CHARTERED INSURED · RISK-FOCUSED SUPERVISION · CAMELS
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State Banking
STATE-CHARTERED · CONCURRENT REGULATORS · STATE-SPECIFIC RULES
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CFPB
IF >$10B IN ASSETS · CONSUMER FINANCIAL PRODUCTS
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FinCEN
BSA / AML · OFAC · MONITORING
The work that
actually keeps you up.
Five problems specific to community banks, drawn from interviews with our customers and design partners. Each one maps to a Guardial workflow.
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Legacy GRC priced for global banks.
Enterprise GRC suites target the F500. The reality at a community bank is a four-person team stuck with an install no one finished and a bill that never made sense. Guardial is sized for who you are.
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Examiner readiness · all twelve months.
Skip the fire drill before the exam window. Instead, Guardial scores your control coverage against recent OCC and FDIC enforcement themes and tells you where to look next.
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BSA / AML at scale.
Risk assessments, controls, and monitoring for your BSA/AML program live in one place. Agents draft the busywork, so your BSA officer reviews instead of writing from a blank page.
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Internal audit team of three.
You get an audit module with FS-tailored workpapers, sampling, and reporting. Then the Findings agent drafts remediation plans, so a team of three closes audits at the pace of a team of seven.
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Board reporting, quarterly.
Board packages come from live data: heat map, top risks, KRI trend, and audit status. So you stop rebuilding the deck the week before the board meeting.
Three modules, first.
We don’t sell all five modules to community banks on day one. These three matter most. Add the rest as you grow.
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Enterprise Risk
ManagementRisk assessments, RCSAs, the risk register, KRIs, controls, and issue management: one workspace for the operational risk program.
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Audit Management
Audit planning, evidence gathering, and examiner-ready reporting in one workspace.
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Compliance Management
Complaint management, marketing review, state license and exam management, and regulatory playbooks: every regulator workflow under one parent.
Explore module
The agents that
earn their keep.
These are the Guardial agents community banks use every day. Drafts only, so your team approves before anything leaves the system.
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Risk Movement Agent
Scans risks and controls daily for residual movement and lapsed control signals, and drafts a finding for review.
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Complaint Triage
Classifies incoming complaints by product, regulator, and urgency. Routes to the right queue with an SLA suggestion.
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Policy Review
Drafts the first pass on policy updates and tracks approvals, so review cycles stop living in email.
Self-serve to start.
Guided to the finish.
What the first few months look like for a typical community-bank customer. You can set most of it up yourself, and our team is there to get you to examiner-ready.
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Wk 1–2
Kickoff.
We meet your risk, compliance, audit, and IT teams. You ingest your existing risk register in whatever shape it is in and configure your Guardial workspace.
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Wk 3–6
ERM live.
Enterprise risk goes live with your taxonomy. The RCSA workspace opens, the heat map and KRIs turn on, and the Risk Movement agent begins scanning.
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Wk 7–9
Audit + Compliance.
The internal audit module goes live with BSA/AML, complaints, and marketing review. Then the first agent drafts arrive for your review.
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Wk 10–12
Examiner-ready.
Your full Issues Home goes active, and the first quarterly board package pulls from live data. Most banks run monthly KRI reporting by the end of the quarter.
If this looks like
you, we should talk.
We’ve spent real time with community banks. Your core, your regulators, and your exam cycle are all pre-loaded in our control library.
Our last exam prep took a quarter and a stack of spreadsheets. This year the control library, the workpapers, and the board package all came from one place.
Stand up your program in the time it takes to read this page.
Sign up, answer a short company profile, and the agents will have your first risk register built before your next meeting. Or book a 30-minute conversation with our team if you'd rather walk through it together.
Self-serve in 15 minutes · human review at every step