Credit Unions.
Guardial is the credit union compliance program for teams that have outgrown the policy binder and the shared drive but can’t justify a multi-year enterprise GRC install. NCUA risk-focused exams, BSA/AML, and member-complaint workflows run on one cloud platform. And your team sets it up, with ours alongside.
- Exam-ready
- KICKOFF TO AN NCUA-READY, EVIDENCED PROGRAM
- Fast
- MEMBER-COMPLAINT TRIAGE, DONE IN SECONDS
- One place
- NO SHARED DRIVES IN THE BSA WORKFLOW
The regulators
on your shoulder.
Every Guardial workflow, control library, and report template is pre-loaded for the agencies and rules credit unions actually face. No “what’s UDAAP” tutorial included.
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NCUA
FEDERAL CREDIT UNIONS · RISK-FOCUSED EXAMS · CAMELS
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State Regulators
STATE-CHARTERED CUS · CONCURRENT SUPERVISION
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CFPB
IF >$10B IN ASSETS · CONSUMER FINANCIAL PRODUCTS
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FinCEN
BSA / AML · OFAC · MONITORING
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FFIEC
INTERAGENCY EXAMINATION GUIDANCE · IT EXAMINATION
The work that
actually keeps you up.
Five problems specific to credit unions, drawn from interviews with our customers and design partners. Each one maps to a Guardial workflow.
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NCUA exams without the fire drill.
Risk-focused exams reward institutions that can show a continuous, evidenced program. Guardial scores your control coverage against recent NCUA enforcement themes and tells you where to look next.
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Member complaints as a real workflow.
Member complaints flow in through branches, phone, email, and the CFPB portal. Complaint Triage classifies them in seconds, with SLAs and an audit trail your examiner will actually find.
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BSA / AML for the BSA officer of one.
Most credit unions run BSA with one or two officers. Guardial keeps risk assessments, controls, and monitoring in one place and drafts the busywork. So a small team keeps up with what arrives.
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Vendor inventory the day a SOC 2 expires.
Core processor, online banking, card issuer, marketing automation, the data warehouse. Guardial keeps the inventory, and the Vendor Renewal agent flags contracts renewing within 90 days. As a result, you review each one before it renews.
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Board reporting that pulls from live data.
Generate quarterly board packages on demand: risk heat map, top complaints, audit status, and KRI trend. Then stop rebuilding the same slides every ninety days.
Three modules, first.
We don’t sell all five modules to credit unions on day one. These three matter most. Add the rest as you grow.
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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 -
Enterprise Risk
ManagementRisk assessments, RCSAs, the risk register, KRIs, controls, and issue management: one workspace for the operational risk program.
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Third-Party Risk
ManagementVendor lifecycle, expert-built DDQs, contract management, and ongoing monitoring for financial services.
Explore module
The agents that
earn their keep.
These are the Guardial agents credit unions use every day. Drafts only, so your team approves before anything leaves the system.
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Complaint Triage
Classifies incoming member complaints by product, regulator, and urgency. Routes to the right queue with an SLA suggestion.
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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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Vendor Renewal Agent
Flags vendor contracts renewing within 90 days and drafts a renewal review, so nothing auto-renews on you.
Self-serve to start.
Guided to the finish.
What the first few months look like for a typical credit-union customer. You can set most of it up yourself, and our team is there to get you to NCUA-ready.
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Wk 1–2
Kickoff.
We meet your CCO, BSA officer, and risk lead. You ingest the existing risk register and complaint backlog and configure your Guardial workspace.
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Wk 3–6
Compliance + ERM.
Complaint module and ERM register go live with the first agent drafts available. The RCSA workspace opens with NCUA-tailored templates.
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Wk 7–9
Third party + BSA.
Vendor inventory imported and DDQs scheduled. BSA/AML risk assessments and monitoring live for review.
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Wk 10–12
NCUA-ready.
Your full Issues Home goes active, and the first NCUA-ready package is available on demand. Most credit unions run monthly KRI and complaint reporting by the end of the quarter.
If this looks like
you, we should talk.
We’ve spent more time with credit unions than almost any other ICP. Your core, your regulators, and your exam cycle come pre-loaded in our control library.
We run BSA with two officers and thought a real program was out of reach. Guardial gave us member-complaint tracking, a control library, and NCUA-ready reporting without a consultant.
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