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📊 Case Study

Rockland FCU went from reviewing
15% of files to 100%.
In 10 days.

$3.5B in assets. 100 indirect auto loans per day. 20-minute manual review on every file. Here's what changed.

~90%
Reduction in processing time
20→2 min
Per application
$250K
Saved per year
15%→100%
Application coverage
The Challenge

Buried in manual reviews with no way to scale.

📄
100 loans per day
Each arriving as a 30–40 page package. Every file required a full manual read — clean or not.
⏱
20 minutes per file
No way to distinguish a problem file from a clean one without working through the entire package.
⚠️
Only 15% of files reviewed
At that pace, 85% of applications went unexamined. Staffing needs scaled directly with loan volume.
🔧
No system integration possible
Needed a solution that didn't require overhauling systems already embedded in operations.
The Solution

Their policies. Enforced automatically. On every file.

✅
Built around Rockland's own checklist
Kintera ingested their existing policy requirements — no translation, no coding, no IT project.
🔍
Automatic review of every incoming file
Missing or inconsistent items identified automatically. Only exceptions routed to human reviewers.
📋
Complete audit trail on every file
Every decision logged with the reason. Exam-ready from day one.
⚡
Live in 10 days
From workflow definition to live production results — with no disruption to existing systems.
The Results

Numbers that changed the board conversation.

~90%
Reduction in processing time
20→2
Minutes per application
$250K
Saved per year
+23%
Quality score improvement

Beyond the time savings, the compliance impact was fundamental. Rockland moved from spot-checking a fraction of its files to reviewing every application — with a complete audit trail on each one. The team no longer manages the checklist. They manage exceptions.

"

Tasks that took 20 minutes now happen in 2 minutes. We moved from reviewing 15% of files to 100% — with a complete audit trail on every one.

Chief Lending OfficerRockland Federal Credit Union · $3.5B in assets

Your institution.
Same result.

The Rockland deployment is the model. 50 files, 10 days, your own policies.

50 files · 10 days · your own policies
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