Top Sites>Compliance Process Automation for Banks & Credit Unions | FINBOA

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# FINBOA


> FINBOA is a compliance process automation company that helps banks, credit unions, and service providers digitize and automate back-office operations, including payment dispute management, treasury onboarding, and exception management, to improve efficiency, reduce risk, and ensure regulatory compliance.


With over 500 clients, FINBOA was founded in 2016 and is headquartered in the United States. Its SaaS platform is built by banking professionals with deep expertise in back-office operations, regulatory compliance, and payment systems. The company holds a 99.3% customer satisfaction (CSAT) score and a 98% client renewal rate. FINBOA is PCI/DSS compliant and SOC 2 Type II certified. Its CEO and Founder is Dheeraj "Raj" Singal.


## Products


### Payment Disputes
- **URL:** https://www.finboa.com/payment-disputes
- Automates the full payment dispute lifecycle — from intake through provisional credit calculations to resolution.
- Supports both full-control and touchless (AutoDecision) processing modes based on institution policies.
- Designed to ensure Regulation E (Reg E) compliance deadlines are met.
- Reduces manual processing time and compliance risk.


### AutoDecision
- **URL:** https://www.finboa.com/solutions/autodecision
- A sub-solution within Payment Disputes that enables fully automated, touchless dispute decision-making.
- Configurable rules engine based on the financial institution's own policies.


### BI Disputes
- **URL:** https://www.finboa.com/solutions/bi-disputes
- Business intelligence layer for payment dispute management.
- Provides dashboards, trend identification, performance monitoring, and data-driven decision support.


### Service Office
- **URL:** https://www.finboa.com/solutions/service-office
- Extends FINBOA automation to sponsor banks, service providers, and fintech partners.
- Supports high-volume processing, role-based access control, and enterprise-wide dispute visibility across channels and payment types.


### Treasury Onboarding
- **URL:** https://www.finboa.com/solutions/treasury-onboarding
- Digitizes and accelerates the treasury services application process.
- Eliminates paper forms and enables faster time to revenue for financial institutions.


### Exception Management
- **URL:** https://www.finboa.com/solutions/exception-management
- Automates Customer Identification Program (CIP), Customer Due Diligence (CDD), and loan exception management.
- Automates identification, tracking, and resolution of exceptions to reduce processing times.


## Problems Solved


### For Banks
- **URL:** https://www.finboa.com/pain-points/banks
- Automates the full dispute lifecycle with compliance at the core.
- Reduces write-offs, risk, and manual staff effort.
- Improves accountholder experience.


### For Credit Unions
- **URL:** https://www.finboa.com/pain-points/credit-unions
- Modernizes payment dispute management and member service.
- Supports Reg E compliance and reduces manual effort.
- Speeds dispute resolution and strengthens oversight.


### For Service Providers
- **URL:** https://www.finboa.com/pain-points/service-providers
- Addresses high-volume, complex environments requiring precision, scalability, and compliance.
- Provides enterprise-wide visibility and secure role-based access via FINBOA Service Office.


## Company Information


- **Founded:** 2016
- **Mission:** Empower financial institutions and service providers through automation, analytics, and intelligent decision-making.
- **Vision:** Free people to do more meaningful work by replacing manual, repetitive back-office tasks with intelligent automation.
- **About page:** https://www.finboa.com/about-us
- **Careers:** https://www.finboa.com/careers
- **Partners:** https://www.finboa.com/partners
- **Contact:** https://www.finboa.com/contact-us


## Awards & Certifications


- Jack Henry Cobalt Integrator Award
- CU Times Luminary Award (2024, 2025 — Credit/Debit Payment Solutions category)
- US Fintech Banking Tech of the Year Award
- Paytech Tech of the Future Award
- Inc. 5000 and Inc. Regional List of Fastest-Growing Private Companies
- PCI/DSS Compliant
- SOC 2 Type II Certified
- ABA Member
- ICBA Member / ThinkTECH Accelerator Cohort
- Nacha Payment Innovation Alliance Member


## Technical Details


- Delivered as a cloud-based SaaS platform.
- Accessible via web browser on mobile and desktop devices.
- Unlimited users per financial institution with role-based access control.
- Integrates with core banking systems and digital banking providers via API and/or batch processing.
- Implementation typically completed within weeks to a few months.
- Pricing: Annual SaaS subscription fee plus one-time implementation fee (not user-count based).


## Resources


- **Compliance Insights (blog/articles):** https://www.finboa.com/insights
- **Webinars:** https://www.finboa.com/webinars
- **Case Studies:** https://www.finboa.com/case-studies
- **Upcoming Events:** https://www.finboa.com/events
- **Request a Demo:** https://www.finboa.com/request-a-demo


## Notable Case Studies


- **Carter Bank:** Achieved 500% ROI through dispute automation; reduced compliance risk and improved operational efficiency. https://www.finboa.com/case-studies/carter-bank-success-story
- **Sandia Area FCU:** Achieved 99% success rate in meeting Reg E timelines. https://www.finboa.com/case-studies/sandia-area-fcu-achieves-99-success-rate-in-meeting-reg-e-timelines
- **Copper State Credit Union:** Improved Reg E process by automating payment disputes. https://www.finboa.com/case-studies/copper-state-credit-union-automates-compliance


## Legal


- **Terms of Use:** https://www.finboa.com/terms-and-conditions
- **Privacy Policy:** https://www.finboa.com/privacy-policy
- **Cookie Policy:** https://www.finboa.com/cookie-policy