RPA-led Automation for a Leading U.S. Credit Union 

About the Client 

Founded in the early 1950s, the client is a well-established, member-owned financial co-operative serving more than 57,000 members across the United States, with assets exceeding $1.5 billion. As a full-service credit union, it provides a wide range of personal and commercial banking solutions, including deposits, lending, and card services, while maintaining its not-for-profit commitment to helping members and communities achieve their financial goals. 

Business Challenge 

Over 50% of Employee Time Spent on Manual Workflows, Delaying Month-End Closures 

Our client’s Finance, Card, and Branch Services teams relied on manual reconciliations, reports, and fraud investigations – these were processes that slowed operations and introduced frequent errors. Reconciliations required multiple data downloads and manual cross-checks across systems, delaying month-end closures and increasing the risk of discrepancies. 

Regulatory reporting involved collating data from disparate sources, making consistency and compliance hard to sustain. Fraud management, dispute resolution, and daily negative-balance monitoring were also highly manual, consuming valuable time and heightening operational risk. 

With financial data scattered across internal and partner systems, teams lacked real-time visibility into performance. Fragmented workflows led to recurring errors, slower turnaround, and weak audit readiness- underscoring the need for a unified, automation-driven operating model. 

The Zuci Solution 

Established a scalable automation backbone for compliant, high-velocity operations 

Re-architected Financial Operations with a Unified Automation Framework 

We did an enterprise-wide assessment of Finance, Card, and Branch Services workflows, evaluating each for transaction volume, rule dependency, and audit sensitivity. The review identified six core workflows best suited for automation – reconciliations, Daily Wire Credits & Adjustments (DWCA) reporting, fraud handling, daily file movement, negative balance monitoring, and member data synchronization. Based on these, we re-architected financial operations into a unified automation framework that simplified processes, reduced compliance risk, and redirected employee focus from manual effort to member value. 

Built a Modular Automation Architecture for Seamless Integration 

The foundation of the transformation was a modular RPA framework, designed to integrate with the credit union’s financial core and partner systems through secure APIs and file-based connectors. We built a unified automation environment that enabled bots to execute data retrieval, validation, reconciliation, and exception management autonomously. 

Transformed Reconciliations and Reporting through Data Intelligence 

Reconciliations and Daily Wire Credits & Adjustments (DWCA) reporting were re-engineered into data-driven workflows. We built an automated data pipeline capable of extracting raw transaction files from multiple systems, standardizing data through backend validation logic, and generating structured reports automatically. 

Accelerated Fraud and Dispute Resolution with Event-Triggered Automation 

Fraud and dispute management were redesigned to operate on event-based triggers. Automation captured alerts from the fraud monitoring platform, classified them by type, and generated corresponding case records with prefilled data fields. Each case was assigned an audit trail and routing logic for human review only when exceptions occurred. 

Established Continuous Compliance through Intelligent File and Data Management 

Repetitive and compliance-heavy tasks, such as file transfers, report uploads, and balance corrections were automated through scheduled unattended bots. Each automation run produced timestamped proof files, audit logs, and validation records stored securely in shared repositories. 

Powered Real-Time Oversight with Unified Analytics 

Automation data streams from all workflows were consolidated into a Power BI monitoring layer, providing leadership and compliance teams with a 360° operational view. Real-time dashboards tracked reconciliation health, fraud case timelines, data exceptions, and audit outcomes which empowered faster, evidence-backed decision-making. This integration closed the loop between automation execution and business governance.