Strategy and Solutions

Zymr developed a modular compliance automation platform integrated with the credit union’s core banking and data warehouse systems. Hosted on Google Cloud, the solution provided automated data extraction, validation rules, and report generation for CECL, CTR, SAR, and other federal forms. We implemented a rules engine to support dynamic compliance logic, role-based access, and historical versioning of submitted reports. A dashboard enabled the compliance team to monitor filing statuses, flag anomalies, and generate audit-ready documentation. The platform was also future-proofed to support evolving requirements such as Dodd-Frank and ESG reporting.

About the Client

A mid-sized credit union in the U.S. serving over 200,000 members, the client needed to strengthen its regulatory compliance posture amid rising scrutiny from federal and state financial regulators. With limited in-house IT resources, the client sought a scalable solution to automate reporting for CECL, BSA/AML, and other compliance frameworks.

Key Outcomes

Over 25 reports automated across regulatory bodies.

Filing accuracy improved from 88% to 99.8% in the first quarter post-deployment.

Business Challenges

Regulatory reporting was heavily reliant on spreadsheets and semi-structured data exports from core systems. Data silos across loan servicing, credit risk, and deposits made report generation slow and error-prone. Staff had to manually compile, clean, and validate datasets for each reporting cycle, increasing the risk of inaccuracies and late filings. There was also no centralized audit trail for past filings or change management documentation.

Business Impacts / Key Results Achieved

The credit union saw a 90% reduction in manual reporting effort and achieved full compliance audit readiness within 60 days. Filing delays and rework due to data errors were virtually eliminated. The compliance team was able to focus on strategic tasks instead of manual data prep.