Proactive Risk Management at Scale

Institution Type:Regional Superbank
Assets Under Management:$60B
Platform Users:Chief Risk Officer, Risk Analytics Division, Regulatory Affairs

Key Results

45%
Faster Regulatory Reporting
24/7
Portfolio Monitoring
$750K
Annual Vendor Savings
$60B
Real-Time Exposure Tracking

Their Challenge

Managing risk across a $60B portfolio with disjointed legacy systems.

As interest rates surged and regulatory scrutiny intensified, the bank's Chief Risk Officer faced an increasingly volatile operating environment.

With a diverse portfolio spanning consumer credit, commercial lending, HELOCs, auto finance, and mortgage servicing, the bank's risk posture needed to be monitored across multiple dimensions—customer segment, product line, risk grade, collateral type, and geography.

The problem: existing risk infrastructure was stitched together from legacy systems, vendor bolt-ons, and department-level models that lacked coordination. Most tools were batch-based and reactive, offering limited predictive capability.

Crucially, the core banking system still organized data around accounts and products—not customers—making household-level exposure, behavioral risk flags, or cross-product stress simulations nearly impossible to conduct holistically.

Our Solution

Nucleus BankOS delivered unified enterprise risk visibility across the entire $60B portfolio.

ADAPFIN's Nucleus BankOS was deployed as the unified foundation for enterprise risk visibility, modeling, and response. Its customer-specific data model allowed the risk team to analyze exposure at the individual, household, and portfolio level—across all lines of business.

• Unified Risk Data Architecture

Nucleus integrated data from all loan, credit, and deposit products into a single, normalized model, eliminating latency between data sources. Built-in lineage mapping ensured the regulatory team could trace every exposure back to origination with full audit fidelity.

• Real-Time Stress Testing Engine

The platform enabled on-demand stress testing for multiple interest rate scenarios, liquidity shocks, and regional economic slowdowns. The risk team could run portfolio simulations in minutes across different segments and scenarios.

• Embedded Behavioral Risk Signals

CLARA AI monitored customer behaviors—such as payment delays, declining deposit inflows, or utilization spikes—and flagged potential risk cases. Because all data was customer-centric, CLARA could correlate trends across products (e.g., increased HELOC usage paired with mortgage payment delays).

• Dynamic Regulatory Reporting

The bank's regulatory team leveraged ADAPFIN's templated and configurable reporting suite to automate 10Q/10K, CCAR, and stress disclosures. Each report was generated from live, validated data with built-in governance and change tracking—cutting the prep cycle dramatically.

Results

45%

faster regulatory report delivery, from 18 days to 10

24/7

portfolio monitoring across $60B of exposures

Proactive

flagging of emerging risks and behavioral patterns

$750K

annual savings eliminating third-party stress modeling vendors

Conclusion

This regional superbank didn't need more dashboards—it needed an integrated strategy. By shifting to a customer-centric risk architecture, ADAPFIN enabled a new level of responsiveness, transparency, and strategic foresight.

What once required static models and disjointed reporting now happens in real-time, across one platform. Instead of reacting to crises, the bank is shaping its response before the impact lands.

With Nucleus BankOS, risk stopped being a cost center—and became a competitive advantage.

Ready to Transform Risk Management From Reactive to Proactive?

See how Nucleus BankOS can unify your risk infrastructure and enable real-time portfolio intelligence across all business lines.

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Case Summary