We have a small IT team. Can we run this after you leave?

The systems are built to be handed over to the team you have, with documentation, tests, a runbook and training. An Embedded Partner engagement can also include mentoring while your staff take them on.

Does it work with our core and loan origination system?

The systems connect to the core, loan origination and document systems you run, and the evaluation confirms how before anything is built.

Will members be talking to an AI?

We usually recommend starting behind the scenes, where accuracy is easiest to measure and the risk to members is lowest. Member-facing assistants can follow once the evidence supports them, and only if your board and compliance team agree.

How is member data protected?

Everything runs in your own cloud account and reads member data in place. The model and data retention terms are agreed with you, and we're happy to sign an NDA before you share anything sensitive.

AI for credit unions, built to be run by the team you already have.

Bluegrass builds production AI systems for credit unions that take over the review work behind lending, member service and compliance. Each system runs in your own cloud account and belongs to you.

Credit unions compete with banks and fintechs on service, usually with much smaller technology teams. A system is worth building only if your team can run it, so every one comes with documentation, tests, a runbook and training.

Talk to an engineer How the evaluation works

Where a credit union's time goes

Consumer and auto lending

Applications arrive with pay stubs, bank statements and identity documents that someone has to check, and stipulations have to be cleared before a loan can fund.

Indirect lending

Dealer funding packages have to match the approval before the loan funds, and an error found afterward is slow and costly to put right.

Member service

Contact center and branch staff answer the same questions every day, and many of the answers depend on finding the right policy, rate sheet or procedure.

Disputes and BSA

Card and electronic payment disputes run on regulatory deadlines, and a small BSA team has to investigate and document every alert.

What we build for credit unions

Consumer lending

Loan file and funding review

Loan files indexed, income calculated, conditions and stips checked and dealer funding packages reviewed against the approval, with every finding linked to its page.

Servicing and collections

Borrower calls, texts and emails handled within your procedures and the law, with payments and arrangements set up and everything else handed to your staff.

Borrower disputes and complaints

Credit reporting disputes, mortgage notices of error, payment chargebacks and complaints investigated from the account record and answered before their deadlines.

Total-loss and GAP claims

Claims on financed vehicles worked from the notice of loss to the lien release, with valuations checked, GAP claims filed and add-on refunds collected.

Servicing compliance review

Every servicing and collections call, message and account event checked against federal, state and your own rules, with complaints captured and findings routed for remediation.

Commercial lending

Financial spreading and credit memos

Financial statements, tax returns and property operating statements spread into your template, and the credit memo drafted from the spread, the request and the relationship.

Covenant and portfolio monitoring

Compliance certificates, borrowing bases, borrower financials and property reports read as they arrive, covenants tested and annual reviews drafted for the credit team.

Financial crime and compliance

AML alert investigations

Transaction monitoring alerts investigated with the customer's profile and activity gathered and the rationale drafted, and SAR narratives prepared for the cases that escalate.

KYC, KYB and EDD reviews

Onboarding exceptions, business customers, enhanced due diligence and periodic refreshes prepared from the documents, with every discrepancy set out for an analyst.

Fraud and dispute reviews

Fraud cases, claims and payment disputes reviewed with the evidence gathered and every deadline tracked, and decisions and customer letters drafted for approval.

Third-party risk management

Vendor and fintech partner due diligence read against your standards and the guidance that applies, with gaps, follow-up requests and the assessment drafted for review.

Other systems we build

Member service assistant

An assistant for staff that answers from the credit union's own policies, rate sheets and procedures and shows the source of every answer.

Title and lien tracking

Titles and lien filings from dealers and state agencies matched to each loan, with any that are missing or wrong followed up until the credit union's interest is recorded.

Regulatory change review

New NCUA rules and guidance read against your policies and procedures, with each gap listed and a proposed change drafted for your compliance team to decide on.

These are examples of what we can build for credit unions. Pick one up as-is, have it tailored to you or suggest something entirely new.

Talk to an engineer

Where to start

Most credit unions should start with indirect funding review or stipulation clearing, because members and dealers notice faster funding and accuracy can be measured against your staff's decisions. Where the BSA queue is the bottleneck, alert investigations come first instead.

The 4-week Opportunity Evaluation tests that on your own loan files before anything is built and says so if your core or loan origination provider already offers a tool for it.

What the evaluation includes

Questions and answers for credit unions

We have a small IT team. Can we run this after you leave?: The systems are built to be handed over to the team you have, with documentation, tests, a runbook and training. An Embedded Partner engagement can also include mentoring while your staff take them on.
Does it work with our core and loan origination system?: The systems connect to the core, loan origination and document systems you run, and the evaluation confirms how before anything is built.
Will members be talking to an AI?: We usually recommend starting behind the scenes, where accuracy is easiest to measure and the risk to members is lowest. Member-facing assistants can follow once the evidence supports them, and only if your board and compliance team agree.
How is member data protected?: Everything runs in your own cloud account and reads member data in place. The model and data retention terms are agreed with you, and we're happy to sign an NDA before you share anything sensitive.

Key terms

A senior team that has done this before

We are a small, entirely senior team with fifty years of combined AI engineering, multiple granted patents and Y Combinator founders, from Yale, MIT, McKinsey, Goldman Sachs, Microsoft and Vista Equity Partners. The people who scope your work are the people who write the code.

Selected work

We built the AI transformation roadmap for a top-50 P&C brokerage, and it is saving the firm millions of dollars in vendor fees it did not need to pay.

Clients include some of the largest banks, RIAs, fintechs and AI labs, as well as a top-3 P&C carrier, a top-10 P&C brokerage, a top-5 trucking brokerage, a leading specialty MGA and a leading trucking MGA.

We run only 3 to 5 engagements at a time, so that every client works directly with the senior team.

About the team

Dozens: of insurance companies, RIAs, banks and fintechs we have worked with
50 yrs: combined AI engineering experience
10+ Patents: granted to members of the team
100%: of the IP we build is assigned to you

Tell us which workflow costs your team the most time.

A 30-minute call with an engineer usually shows whether something is worth building. Within a week you will have a free written point of view on the two or three opportunities we think are real and what each is worth.

Talk to an engineer Other industries we work in