Modernize with AI. Stay examiner-ready.
We put AI to work inside your lending and member operations, and deliver the governance documentation that keeps your board and your examiners comfortable.
of consumer and business lending made possible by systems our team built
ratings from S&P and KBRA, supported by a 175 person servicing operation we built from a first hire
lenders launched in every one, with the compliance framework that keeps them running clean
Start where the work piles up.
Most community institutions do not need another AI tool. They need someone to put one to work in a process that matters, and to run it. We start with lending, where the volume and the cost are.
- Document intake and income verification
- Decision support and exception handling
- Quality control and fraud triage
- Faster, human-reviewed decisions
- Onboarding and account opening
- Servicing and collections workflows
- Back-office and contact center work
- Time back for the backlog
- Model risk documentation
- Explainable reasons for credit decisions
- Human review and escalation design
- Performance, bias and drift monitoring
One workflow, in production, with the paperwork.
We do not run a year of pilots. We pick one process, put it live under your governance, and expand from there.
We map your workflows, data and constraints, then pick the single use case with the clearest return and the lowest regulatory friction.
You get a ranked list of use cases, an integration and data map, and the governance requirements for the first build.
We build, test, document and launch it with your team, under your governance. Fixed scope, with the documentation delivered alongside the system.
You get a live workflow, the model risk and vendor files, and a team that knows how to operate it.
We operate and monitor the workflow as a managed service, priced on outcomes, then extend to the next one.
You get monitoring for performance, bias and drift, regular reporting, and a queue of what to automate next.
Governance is not a phase two.
Community institutions lose AI projects in vendor diligence, not in the demo. Every engagement ships with the documentation your risk, compliance and vendor management teams will ask for, kept current by Gianni.
Written to SR 11-7 and OCC 2011-12 expectations: purpose, data, limitations, validation approach and ongoing monitoring.
Ready for your vendor diligence and aligned to the 2023 interagency guidance on third-party relationships.
Reasons that support fair lending and adverse action requirements for any credit decision the system touches.
Escalation paths, sampling, bias and drift monitoring, and a data security review of the workflow.
Documentation is designed to support your examiner conversations. Your institution remains responsible for its own compliance determinations. NextRaise is not a law firm.
Built by people who have run lenders.
Drove $2.5B in originations at Octane, from employee 10 to SVP of Operations. Launched Kawasaki Motors Retail Finance with licensing in all 50 states and D.C. and a fair lending, ECOA and Reg B, UDAAP and privacy policy stack written from scratch.
Deborah built Octane's 175 person servicing operation, which supported AAA ratings. Gary is a lawyer and former general counsel to consumer lenders, so compliance questions go to someone who has held the job.
Builds and integrates the systems and the AI agents. Built the KMRF dealer portal, live since June 2025, and led product on bank products at Capital One and JPMorgan Chase, and worked on the Paze wallet.
What bankers ask first.
No. That is the point of the engagement. We build, document and run the workflow, and your team owns the decisions and the oversight.
Read before you decide.
Bring one process. We will tell you if AI is the right fix.
A one-page summary of the offer, the governance package and the track record, for your CEO, COO or risk committee. Or just book a short call.