Big Head Consulting
Regulated Finance Practice

AI & automation for
banks & credit unions.

Banks and credit unions carry a hard constraint most automation vendors gloss over: every change has to survive an examiner. You need to modernize without compromising governance, BSA/AML, fair lending, or your data-privacy posture, and most lean IT teams are already fully consumed keeping the core running.

We've spent decades inside regulated financial environments, so we scope the way you have to: documentation, access controls, and audit trail built in from the start, not bolted on at the end. You get automation your compliance team and your examiners can both live with.

BSA / AMLFair LendingGLBAFFIEC Exams
Governance-first

Documentation, access controls, and a full audit trail designed in from the first scoping call, not reconstructed after the fact.

Examiner-ready

We scope to survive FFIEC, NCUA, and OCC/FDIC scrutiny, because we've sat on that side of the table and we know what gets flagged.

25+ years inside

We've spent decades inside regulated financial environments, so you aren't paying a generalist to learn your rules mid-engagement.

What you're up against

The realities we build around.

Most automation vendors treat these as someone else's problem. We scope around them from day one, and that's the difference between a tool you can deploy and one your compliance team has to unwind.

  • Modernizing without tripping governance or examiner expectations
  • A lean IT team already fully consumed keeping core systems running
  • Member/customer onboarding is manual and slow
  • Document collection and verification eats staff hours
  • Core, loan origination, and CRM systems don't talk to each other
  • Compliance review is a bottleneck on every new process
  • Member service requests pile up after hours
  • Reporting for the board and examiners is assembled by hand
Where we start

What we'd automate first.

01
Member and customer onboarding that runs itself

We automate account opening, document collection, and identity verification end to end, with the audit trail captured automatically, so onboarding speeds up without weakening controls.

02
Core, LOS, and CRM that finally talk to each other

Compliance-safe integration between your core, loan origination, and CRM systems, which ends the re-keying and reconciliation that eat back-office hours and introduce errors.

03
Document extraction designed for scrutiny

AI reads and structures applications, disclosures, and verification packages inside your controls, and keeps field-level provenance so nothing is a black box to an examiner.

04
Board and exam reporting without the manual assembly

The reports your board and examiners expect, assembled from source systems on a schedule instead of by hand the week before. They come out consistent, traceable, and early.

See it in action

Watch the back office run itself.

Borrower self-service: a full VA cash-out, end to end

The borrower-facing journey we build for lenders: a veteran household arrives wanting cash, gets an honest comparison of a home equity line of credit (HELOC) against a cash-out refinance, and runs every step to a submitted application, co-borrower and e-signature included. The platform computes the math, the disclosure wording never varies, and it hands off cleanly to a licensed loan officer.

Bank & Mortgage Systems Integration: Compliant by Design

For banks, credit unions, and mortgage lenders: we connect your POS, LOS, CRM, core, and document vault with zero re-keying, whatever vendors you run. BSA/AML, ECOA, TRID, GLBA, and HMDA guardrails go in from day one, not at the end. It's built to sit inside a SOC 2 audit path, not to stand in for one.

Works with the systems you already run.

FiservJack HenryFinastraFISnCinoMeridianLinkEncompassQ2AlkamiTotal Expert…and your core, whatever it is.

Let's scope it, examiner-ready from day one.

Start with a free assessment and a short discovery call. You'll get a roadmap built for your institution, with the documentation and audit posture already accounted for. The risk that the work runs long is ours to carry, not yours.