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Banking & Financial Services
Regional Bank Digital Transformation
Unified Platform Drives 73% Reduction in Compliance Violations
How a $3.2B asset mid-market bank transformed customer experience and regulatory compliance with Salesforce Financial Services Cloud, MuleSoft integration, and automated workflows.
73%
Reduction in Compliance Violations
62%
Faster Loan Origination
54%
Improved Customer Satisfaction
100%
Regulatory Audit Trail
The Challenge
The bank operated with 7 disconnected systems creating significant operational and compliance challenges:
- Fragmented Customer View: Customer data spread across core banking, CRM, loan origination, and wealth management systems with no unified interface
- Compliance Violations: 127 regulatory violations in prior year due to manual tracking and missed deadlines
- Poor Customer Experience: Bankers couldn't see full relationship, leading to missed cross-sell opportunities and customer frustration
- Slow Loan Processing: Commercial loan applications took 18+ days from submission to decision
The Solution
1. Salesforce Financial Services Cloud
Implemented FSC as the unified relationship management platform with 360-degree customer views.
- Household and business relationship grouping
- Custom product holdings display (deposits, loans, wealth)
- Branch banker and relationship manager dashboards
2. MuleSoft Integration Platform
Built comprehensive integration layer connecting Salesforce to 7 backend systems:
- Core Banking (FIS): Real-time account balances and transaction history
- Loan Origination (nCino): Application status and document tracking
- Wealth Platform: Investment holdings and performance data
- DocuSign: E-signature workflows for account opening and loan docs
3. Compliance Automation
Built automated compliance tracking and alerting system:
- BSA/AML alert routing and case management
- CRA (Community Reinvestment Act) reporting dashboards
- Automated regulatory deadline tracking with escalations
- Complete audit trail for examiner access
The Results
Regulatory Compliance
- 73% reduction in compliance violations – From 127 violations to 34 in first year
- 100% audit trail coverage – Every customer interaction and decision documented
- Zero missed regulatory deadlines – Automated alerts eliminate manual tracking
Operational Efficiency
- 62% faster loan origination – Commercial loans from 18 days to 7 days
- 4.2 hours saved per banker daily – No more system switching
- $3.7M annual cost reduction – Eliminated redundant systems and manual processes
Revenue Impact
- 54% improvement in customer satisfaction – NPS score increased from 32 to 68
- 31% increase in cross-sell – Bankers can see full relationship and recommend products
- $12.4M new revenue in Year 1 – Better customer experience and cross-sell
Client Testimonial
"Vantage Point delivered beyond our expectations. The unified platform with MuleSoft integrations gave us the 360-degree customer view we desperately needed. But the compliance automation has been transformative—we went from drowning in violations to leading the region in regulatory adherence. Our examiners were impressed. This investment paid for itself in compliance risk avoidance alone, and the revenue growth is the cherry on top."
SK
Sarah Kowalski
Chief Risk Officer