Automate compliance processing with confidence

Break free from administrative tangle. FINBOA helps banks and credit unions like yours escape the grind of manual operations with seamless, automated efficiency.

Reclaim countless hours lost to tedious tasks and dedicate more time to what truly matters — managing risk, building stronger account holder relationships and positioning your institution for future growth.

Start with a personal demo

Your automation partner

Still relying on inefficient, high-risk manual processes? FINBOA solutions help banks and credit unions like yours digitize and automate operations, while also improving visibility and compliance.

We don't just deliver software. We provide expert implementation and ongoing support to ensure you get measurable value from day one. With a 99.3% CSAT score and a 98% client renewal rate, we are a partner dedicated to your success.

Eliminate paperwork
Automate tasks, processes & decisions
Provide data insights
Increase efficiency & compliance

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“After realizing a 500% ROI through efficiency improvements and error reduction, FINBOA Payment Disputes automation is clearly one of the best fintech investments we’ve made in a long time.”

Matt Speare
COO, Carter Bank

“FINBOA delivers smart solutions that have helped us meet our credit union’s unique business challenges and maximize the experience for our most valuable assets — our members.”

Donna Howard
VP of Card Services, Copper State Credit Union

“FINBOA Payment Disputes really cut our processing time drastically. Right from the start, we saw at least 50% in reduced processing time. That is a measurable benefit for us.”

Stephanie Johnson
Operations Team Lead and Security Officer, First Bank of Carmi

“If we get audited, we can actually pull from the FINBOA data and show that 99% of our claims were completed within the Reg E time frame.”

Michelle Neri
Card Services Manager, Sandia Area FCU

"The implementation process with FINBOA was one of the easiest implementations that I've experienced. I was thrilled with the FINBOA implementation experience."

Wayne Garrett
Executive Vice President, Legence Bank

“With FINBOA Payment Disputes, tracking and reporting is effortless. Training is much easier with FINBOA. With this shift, our back-office Card Specialists can focus on processing the claims quicker.”

Michelle Neri
Card Services Manager, Sandia Area FCU

“A big benefit of FINBOA is the number of automations and the core integration that FINBOA offers. FINBOA has a far more robust workflow and system integration than our previous solution.”

Joseph Nicholls
Director of Card Operations, Georgia United Credit Union

Conquering your toughest compliance operations challenges

Are manual processes creating bottlenecks and compliance headaches for your team? Do disparate systems make improving efficiency, accuracy and compliance a distant dream? Do you want to work smarter, not harder? FINBOA’s intelligently designed automation tackles these challenges head-on.

Our highly adaptable and flexible solutions don't just integrate. They become a seamless extension of your existing core systems, eliminating tedious rekeying and paper-based nightmares. We digitize and automate compliance processing , transforming your operations to deliver unparalleled efficiency, precision and peace of mind.

Payment Disputes

Simplify dispute management and ensure regulatory compliance deadlines are met with full control or touchless decision-making options based on your financial institution’s policies.

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- BI-Disputes

Leverage business intelligence to identify trends, monitor performance and make data-driven decisions that enhance payment dispute management.

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- Service Office

Extend the power of FINBOA's intelligent automation to your sponsored financial institutions and fintech partners, streamlining their back-office processes and ensuring seamless compliance and efficiency across your network.

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Treasury Onboarding

Digitize and accelerate the application process for treasury services, eliminating paper forms and boosting efficiency to enable faster time to revenue for your institution.

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Exception Management

Streamline Customer Identification Program (CIP), Customer Due Diligence (CDD) and loan exception management, automating identification, tracking and resolution to reduce processing times.

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FINBOA Client Testimonials

All case studies

Carter Bank Success Story

Regional Bank Realizes 500% ROI with Dispute Automation Carter Bank Chose FINBOA Payment Disputes to Reduce Compliance Risks and Improve Operational Efficiency When Carter Bank faced increasing volumes of payment...

Sandia Area FCU Achieves 99% Success Rate in Meeting Reg E Timelines

Copper State CU Improves Reg E Process By Automating Payment Disputes

Eliminating manual processing, together

The perfect way to envision the potential of your back-office transformation is to see some of our solutions in action or explore how we can directly solve your unique operational challenges.

Banks

Banks trust FINBOA to streamline and automate payment dispute management with compliance at the core. Built specifically for banks, FINBOA automates the full dispute lifecycle—from intake to provisional credit calculations—delivering faster resolutions, reduced risk and write-offs, and a better experience for both staff and accountholders.

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Credit Unions

Credit unions trust FINBOA to modernize payment dispute management and improve the member service experience. Built to support Reg E compliance, FINBOA automates and transforms the dispute lifecycle to reduce manual effort, speed resolution, reduce risk and strengthen oversight—helping staff deliver more efficient service to members while meeting the demands of compliance requirements.

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Service Providers

FINBOA provides specialized automation for service providers such as sponsor banks and financial institutions operating in complex, high-volume environments—where precision, scalability, and compliance are essential to sustainable growth. FINBOA Service Office helps service providers streamline high-volume processing, maintain secure role-based access, and gain enterprise-wide visibility into dispute activity across channels and payment types.

Explore Service Office

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Insights from Compliance and Operations Experts

Hear how leading institutions are achieving greater efficiency and compliance through our expert-led webinars. Browse upcoming and recorded sessions to discover how FINBOA solutions are driving meaningful results across the industry.

Browse Webinar Events

FINBOA Insights

All articles

Article

FINBOA Adds Key Sales and Marketing Leaders to Drive Next Phase of Growth

Clendaniel and Huffman join to accelerate revenue, amplify the brand, propel market momentum December 16, 2025 – ...

Article

FINBOA Named to 2025 CU Times Luminaries Awards

Second Consecutive Nomination in Credit/Debit Payment Solutions Category October 27, 2025 – FINBOA, Inc., a leader in ...

Article

Carter Bank Achieves a 500% ROI by Automating Disputes

A Shift to Intelligent Automation Led to Reduced Compliance Risks and Improved Operational Efficiency Carter Bank & ...

Experience your automated back-office future

Ready to see how intelligent automation solves your institution's most pressing compliance. With a personal demo, FINBOA experts will design the session around your needs and goals.

In your demo session, you'll discover how to improve:

Efficiency

Accelerate processing of high-volume repetitive operational tasks to free people for more meaningful work.

Acceleration

Accelerate completion of high-volume, repetitive tasks, enhancing efficiency and improving account holder satisfaction.

Compliance

Ensure seamless regulatory compliance and significantly reduce operational, reputational and financial risk.

Digitization

Transform paper-based, fragmented processes into highly accurate, unified digital workflows.

Insight

Gain actionable insights with timely access to data, reports and analytics, driving measurable value and competitive advantage.

It’s the perfect opportunity to experience those transformative "wow" moments that automation can create for your institution.

It’s the perfect opportunity to experience those transformative "wow" moments that automation can create for your institution.

Book a demo

Frequently asked questions

How will process automation help manage bank or credit union risk?

FINBOA products address three big risks faced by financial institutions: Operational, Regulatory and Customer Experience. Our SaaS solutions are specifically designed to replace outdated, manual processes and disparate systems, significantly improving efficiency and both account holder and staff experience, while bolstering regulatory compliance and reducing cost.

By focusing on risk mitigation, FINBOA effectively transforms manual compliance processing, freeing your people to do more meaningful work and enabling significant institutional growth.

How do bank or credit union users access your products?

Users of FINBOA’s SaaS solutions sign-on through a web browser. FINBOA doesn’t limit the number of users per financial institution and offers role-based user access.

FINBOA products are cloud-enabled and compliant with PCI/DSS and SOC 2 Type II standards. All products are accessible on both mobile and desktop devices.

Do your software products require integration with our core banking system?

FINBOA software delivers optimal benefits when data integration is established with the FI’s core banking system. This isn’t a requirement. However, data integration is an enabler to optimize the value of the software.

FINBOA has an integration partnership with many cores and digital banking providers via API and/or batch processing.

How long does it take to implement your solution?

Implementation activity can be completed in as little as four weeks, but most implementations are typically completed within several months.

The timeline is dependent on many factors, including the project scope and the number of solution workflows included. A detailed implementation plan will be provided and reviewed prior to project launch.

How do you charge for your products?

FINBOA charges an annual SaaS subscription fee and an initial implementation fee. The subscription fee does not limit or charge based on the number of users, allowing you to provide access to all who need it within your institution.