Abstract
The Client, a California-based member-owned Credit Union, provides a wide range of financial services with a community-focused approach. However, its ACH payment process created significant inefficiencies due to manual data entry into the core banking system. Staff spent 8–13 hours daily updating 50–80 records, with each record taking about 10 minutes to process. This labor-intensive workflow caused bottlenecks during peak periods, heightened error risks, and strained resources under strict SLAs. The Credit Union required an automated, accurate, and scalable solution to streamline ACH operations, reduce costs, and improve compliance.