Mid-Sized Financial Institution
Solution Stack
Financial Services Cloud, MuleSoft
Business Units
Lending, Retail, Commercial
Services
Delivery-as-a-Service
Timeline
12 weeks
Meeting the $10 Billion Compliance Threshold
A rapidly growing financial institution was on the cusp of a major regulatory milestone. As they approached the $10B asset threshold, internal pressure mounted to modernize operations without compromising compliance or dealer relationships.
Problem
The bank’s indirect lending and dealer onboarding processes were outdated and manual—introducing significant compliance risk, operational delays, and dealer dissatisfaction. Leadership feared that one poor audit could result in fines or reputational damage. Frontline staff lacked visibility into deal statuses, while dealers experienced long onboarding times, fragmented communication, and inconsistent approval quality. To complicate matters, a previous vendor engagement had left the team burned and skeptical.
Process
Partnering with Fortimize, the bank rebuilt its onboarding framework using Salesforce Financial Services Cloud and MuleSoft. Intake was centralized, risk assessments automated, and key data sources—like state licensing databases and complaint tracking—were integrated into a single system. Real-time dashboards gave leadership and reps instant visibility into approvals, stalled applications, and risk flags, while digital document collection and e-signatures replaced back-and-forth email chains.
Results
The bank reduced compliance exposure, accelerated dealer onboarding timelines, and improved the overall experience for internal teams and external partners. What had been a high-risk process became a repeatable, transparent workflow—positioning the institution to cross the $10B threshold with confidence and control.
Executive Outcomes | Operational Impact | Technical Shift |
|---|---|---|
Improved ROI | Reduced segmentation | Leveraged native fields |
Enabled analytics | Improved targeting | Improved governance |
Impact on Banking Clients & Lending Teams
For banking clients, onboarding became faster, clearer, and less frustrating—replacing weeks of delays with a seamless, transparent process. For the lending team, real-time visibility and automation replaced manual follow-ups, reducing stress and giving them time to focus on building stronger dealer relationships.
