Driving Operational Efficiency Across Core Credit Union Functions 

About the Client 

Our client is a well-established, US-based Credit Union serving communities across the mid-Willamette Valley of Oregon. The institution provides a comprehensive range of financial products, including savings and checking accounts, mortgages, loans, and investment services. With a strong focus on community engagement and member-centric banking, the Credit Union has built its reputation on delivering reliable financial solutions and personalized support to individuals and families across the region. 

Business Challenge 

Manual, repetitive workflows slowed operations and exposed the client to compliance risks  

The Credit Union’s operational landscape was heavily reliant on manual processes that hindered scalability and responsiveness. Member data updates, external payment notifications, and document generation were all driven through human intervention, creating bottlenecks in turnaround times and data accuracy. 

API calls for updating member details, such as Person Type or rewards, were handled manually, resulting in 2-3 days of delay before records were reflected accurately across systems. Inconsistencies in third-party notifications led to duplicate billing incidents with Payveris, directly affecting customer satisfaction. Similarly, fraud and dispute report downloads from PSCU and Centrix required 4-5 hours of staff effort daily, pulling critical resources away from higher-value servicing activities. 

Document generation for FACTA, GAP, and escrow letters was another area of concern. The process was repetitive and error-prone, with a 10-15% rework rate, slowing down correspondence turnaround. Meanwhile, the absence of automated audit logs meant teams spent hours manually identifying eligible records and maintaining audit trails to stay compliant. 

The Zuci Solution 

Engineered an automation-driven operational backbone for Credit Union workflows 

API-Based Member Updates with Built-In Validation 

We replaced manual API calls with an intelligent, rule-based automation engine capable of updating member data in real time. Built-in validation ensured that every change adhered to the Credit Union’s operational policies. Any out-of-scope or incomplete data was automatically flagged, logged, and excluded from processing, ensuring consistent accuracy and audit traceability. 

Real-Time Payveris Alerts for Post-Closure Accuracy 

We integrated real-time Payveris alerts into the automation framework, eliminating the lag in notifying third-party systems after account closures. This closed-loop system ensured that billing systems were updated instantly, effectively preventing duplicate charges and improving post-closure accuracy. 

Automated Fraud and Dispute Processing 

We implemented an automated retrieval and processing workflow that connected directly with PSCU and Centrix. Reports that once took several hours to download and categorize were now automatically fetched, validated, and archived, freeing up staff time and accelerating fraud resolution cycles. 

SQL-Driven Document Generation Framework 

For document generation, we introduced a SQL-driven mail merge system that dynamically created FACTA, GAP, and escrow letters based on event triggers. Each document was automatically routed to the right folder, tracked, and logged for compliance, significantly reducing human intervention and eliminating repetitive errors 

Built-In Audit Readiness and Compliance Logic 

The entire automation ecosystem was designed with audit-readiness at its core. Every transaction, exception, and update was automatically recorded, creating a transparent and tamper-proof audit trail accessible for compliance reviews. This proactive logging reduced the burden of manual audits and strengthened governance across all operations.