The member you collect from today is the member you need for the next twenty years.
Governed, multilingual, audit-ready recovery built for institutions where the relationship matters as much as the balance.
Trusted by lenders, credit unions, healthcare providers, utilities, and regulated finance teams managing high-volume receivables.
Fragmented systems, rising delinquency, and a membership your outreach doesn't actually reach.
Multi-branch operations create inconsistent collections, legacy systems resist new tools, and English-only outreach fails linguistically diverse members, while delinquency continues rising industry-wide.
Recovery that protects the relationship, not just the balance.
Encodes your compliance guardrails, tone rules, and escalation workflows under NCUA, CFPB, FDCPA, and TCPA constraints, so the AI executes inside your policy, never outside it.
Learn more →Reaches every member in the language and channel they actually use, including Spanish, Armenian, Persian, and more.
The exact mechanism behind one credit union's jump from a 2% to a 12–15% right-party contact rate.
Your customer and invoice data is structured and available immediately, without a lengthy IT-led implementation project.
Detects hardship and adjusts tone before a routine contact attempt becomes a formal complaint.
Every contact, response, and compliance event is timestamped and exportable, turning exam prep into a query instead of a project.
Six numbers your examiners and your board both care about.
The leading indicator that predicts every downstream recovery number.
The stage where early intervention has the highest return and the lowest cost.
A simultaneous signal of member harm and regulatory exposure.
Exposes whether payment plans are realistic or simply deferred defaults.
The cumulative cost of every account that aged past the recoverable window.
A member never reached in their preferred language is a recovery silently lost.
A process built purely for recovery quietly erodes the trust your institution depends on.
Credit unions and community banks operate under tighter member-retention constraints than most commercial lenders. FinanceOps recovers balances at scale without treating members as interchangeable line items.
Turn a multi-week exam assembly into a single query.
Every action the AI takes runs inside compliance limits your team defines, and every interaction is logged automatically. When NCUA or CFPB examiners ask for documentation, it's already there.
Recover more. Prove all of it.
Results achieved with minimal manual intervention and full FDCPA-compliant operation from day one.
Built for institutions where member trust is the actual asset being protected.
Credit union CFOs, VPs of collections and risk management, and community bank operations leaders who need recovery performance without sacrificing the member relationship or the compliance posture their charter depends on.
Banking
questions.
Yes. Compliance limits and escalation rules are defined by your team through the User-Controlled Strategy Builder and enforced automatically, with the AI never able to override them.
FinanceOps connects directly with QuickBooks and Sage for automatic customer and invoice sync. If your institution runs a different core system, our team can scope a direct integration as part of onboarding.
Two-Way Omnichannel Multilingual Communication supports Spanish, Armenian, Persian, and a wide range of additional languages natively, so language is never the reason a member goes unreached. Ask your FinanceOps representative for the current full language list.
One credit union reduced 30–60 DPD delinquency by over 65% within 21 days of going live, with results continuing to scale through week 14 and beyond.
Governed automation handles high-volume, low-complexity accounts autonomously, one deployment required under 10 minutes of human effort per day at scale.
Performance-based pricing at 1.5%, no upfront cost, and no minimum commitment, you pay only on successful recovery.
See what governed, member-first recovery looks like on your own delinquency numbers.
Your first 10,000 accounts free, live, with no upfront cost and no payment unless balances are recovered.