Crossing a threshold is supposed to be good news. It also triggered one of the most exacting compliance obligations in retail banking — with a hard date attached.
A top-15 U.S. bank (anonymized)
Retail banking
Program management and build for FDIC 12 CFR Part 370 compliance
The bank crossed 2 million deposit accounts — and with it, FDIC Part 370, which requires calculating insured and uninsured balances and ownership rights down to the individual account. This isn’t a report you generate at quarter-end. It’s an architecture problem, a data-lineage problem, and an audit problem at once, with a fixed regulatory deadline and no room to be approximately right.
We led the program across every data domain in scope and built the internal calculation engine the bank needed to prove its numbers. That meant coordinating stakeholders and vendors, standing up SDLC governance, running the testing, and getting the whole thing audit-ready — so the answer to any examiner’s question was already documented, not scrambled for.
The bank went into the deadline with a compliant architecture, a working calculation platform, validated readiness, and a governance and audit-support framework built to hold up under scrutiny. Compliant, on time, and able to prove it.
