Member trust, shown on every decision
Prisma gives credit unions one control layer to oversee, intervene on and remediate the decisions that touch members, from SAR dispositions and onboarding to contact center conversations, whether they are made by people or by AI.
Discover the Prisma platformWhy credit unions need decision governance
Credit unions run on member trust, and trust is built or lost in decisions: whether a suspicious activity report is filed, whether a new member's file is complete, how a call is handled, how a dispute is resolved. Decision governance oversees those decisions against policy and regulation, steps in when one falls short, and uses what it finds to improve how decisions are made, so fair treatment of members is shown and not only claimed.
Why one control layer beats many point tools
Separate tools create separate standards and separate evidence, which an examiner then has to piece together. One layer gives one standard, applied to every decision and recorded in one form, with fewer tools to run and explain.
Oversight, intervention and remediation, together
Prisma evaluates each decision against your policy and the rules that apply, detecting violations and ambiguity and recording the reasoning. When one falls short, it intervenes, applying consequences and feedback to the person or the AI behind it. Remediation turns that into better behavior, so performance improves and stabilizes over time, and the evidence of every judgment is kept.
One control layer across the decisions that matter
How Prisma helps credit unions with the requirements each regulator sets.
- NCUA
National Credit Union Administration
Bank Secrecy Act compliance program and suspicious activity reporting (12 CFR 748.1 and 748.2)SARKYC/KYB
Examination of lending policy and member business lending (12 CFR Part 723)Underwriting
Safe and sound management of the technology and third parties a credit union relies on, including AI toolsAI agents
- NASCUS
State credit union supervisors
Examination of state-chartered credit unions on the same areas, under state lawSARKYC/KYBContact centerDisputesUnderwriting
- FinCEN
Financial Crimes Enforcement Network
- OFAC
Office of Foreign Assets Control
Sanctions screening of members and transactionsKYC/KYB
- CFPB
Consumer Financial Protection Bureau
Rules against unfair, deceptive or abusive acts or practices (UDAAP)Contact centerDisputes
Billing error, error resolution and credit reporting dispute rules (Regulations Z, E and V)Disputes
Fair lending (ECOA and Regulation B)Underwriting
- EEOC
Equal Employment Opportunity Commission
Title VII, the ADEA and the ADA apply to hiring and HR decisions, including those made with AI toolsHiring
Frequently asked questions
Decision governance is the oversight of the decisions a credit union makes, by people or by AI, against its policies and the rules that apply. It steps in when a decision falls short and feeds what it finds back so that behavior improves.
The NCUA supervises federally insured credit unions, and state-chartered ones also answer to their state regulator. FinCEN administers the Bank Secrecy Act, OFAC administers sanctions, and the CFPB writes consumer protection rules for all credit unions and supervises those above $10 billion in assets.
SAR, contact center and onboarding oversight, then customer disputes, underwriting, AI governance and anti-discrimination monitoring.
It gives one standard, applied to every decision and recorded in one form, with an audit trail of how each decision was judged. It supports compliance work. It does not replace judgment or guarantee an examination result.
No. They keep doing their work. Prisma evaluates the decisions that come out of them, intervenes when one falls short of policy, and keeps the evidence.
The same way as decisions made by people: one standard, applied in the same way to detect violations and ambiguity.
As an SDK that runs inside your own environment, with Palqee's managed cloud and interface available if you need them. Forward Deployed Governance Engineers embed with your team from day one.