CCBank Case Study: Strengthening Fintech Partnerships Through Scalable Compliance and Modern Infrastructure
CLIENT SNAPSHOT
CCBank is a forward-thinking community bank based in Utah, with a growing portfolio of fintech partnerships. CCBank was continuing to build on their foundation and looking for ways to scale, protect its core community focus, and respond to increasing oversight—without compromising agility or operational integrity.
THE INDUSTRY LANDSCAPE
As fintech partnerships have scaled throughout the industry, so have regulatory expectations. Manual processes, fragmented oversight, and data inconsistencies make it difficult to maintain visibility across multiple programs. Evolving regulatory expectations are raising the bar for industry-wide compliance, data integrity, and partner oversight. CCBank was looking to expand on what they’d already built—scaling their processes while continuing to lead with excellence and clarity.
“We didn’t want to be the bank that rushed into fintech just to chase growth. We wanted to do it right—with the right partners, infrastructure, and controls.”
— Andrew Cusick, Chief Business Development Officer, CCBank
While many sponsor banks scrambled to keep pace with fintech demands, CCBank took a different approach. Their team prioritized long-term operational maturity over short-term speed— starting with people, and then infrastructure and process.
"We started by investing heavily in compliance. We built the team first. But we knew we couldn't stop there—we needed the technology to support it."
— Andrew Cusick
CCBank wasn’t looking for a vendor. They were looking for long-term partners who understood the risks and realities of fintech sponsorship and could help them prepare for what comes next.
THE APPROACH
In 2024, CCBank partnered with iDENTIFY and Oscilar to modernize its compliance data environment and monitoring capabilities. Rather than lift-and-shift legacy processes, a common approach where outdated workflows are simply moved into a new environment without improvement, the team co-developed a solution designed for scale, resilience, and real-time insight.
iDENTIFY worked closely with CCBank to:
- Ingest and transform data from multiple fintech partners
- Standardize that data into a unified model for compliance, insight, and reporting
- Implement a modern cloud based data platform with a focus on data governance and data integrity.
The architecture emphasized modularity and governance, with pipelines designed to support validation, enrichment, and audit logging across a multi-partner environment. CCBank and iDENTIFY also prioritized secure, traceable integrations between upstream fintech sources and downstream monitoring platforms, ensuring continuity as partner needs evolve or regulatory environments shift.
"We evaluated a lot of companies. We wanted partners who understood community banking, compliance, and the unique realities of fintech. Culture mattered."
— Andrew Cusick
That culture fit extended to the fintechs themselves. CCBank established a clear process, providing fintech partners with everything they need to engage successfully from day one. That clarity builds confidence on both sides and sets the tone for a strong, long-term and low-friction partnership.
KEY OUTCOMES
- Faster, cleaner data onboarding: Fintech partner data is integrated and validated, cutting friction and reducing the risk of oversight gaps.
- Near real-time financial data exchange: Data now flows securely between partners, the bank, and the BSA/AML vendor to support proactive compliance.
- Unified data structure: A single source of truth was established for all program activity—capable of supporting fintech-specific risk logic and enabling analytics at both the partner and portfolio level.
- Aggregated insights: Partners gained access to normalized data views across all channels, helping them derive business intelligence from the shared infrastructure.
- Embedded controls: Validation checkpoints and exception handling logic were built into the data flow, allowing the bank to catch and respond to anomalies proactively.
“The journey is data, decisions, operations, and oversight—and if you can’t activate your data, everything downstream suffers. In a world where monitoring ten fintechs is like monitoring ten separate banks, oversight has to be both flexible and granular.”
— Saurabh Bajaj, Chief Product Officer, Oscilar
WHY IT WORKED
This wasn’t about building a dashboard or checking a box. CCBank’s strategy centered on readiness: the ability to grow fintech programs, pass exams, and build trusted relationships—all at the same time.
“Trust is everything. And it has to exist before there’s a problem.”
— Andrew Cusick
Rather than layering tech on top of legacy problems, CCBank and iDENTIFY approached the solution like a control system—ensuring every stage of the data journey was observable, testable, and scalable.
Part of that readiness came from choosing the right partners. From FS Vector, who helped CCBank shape its strategy, to iDENTIFY, who delivered the infrastructure, to Oscilar’s Risk Decisioning™ platform. Each piece was selected for its alignment with the bank’s goals.
"When banks are still managing partner oversight through spreadsheets, that’s a risk. You need to know your systems can scale with your strategy."
— Lee Easton, President, iDENTIFY
THE TAKEAWAY
CCBank’s path wasn’t the fastest. It was intentional. Their story shows what happens when a community bank commits to modernization discipline, and scales without losing its identity.
This approach offers a different model for sponsor banks evaluating fintech readiness built on growing sustainability.
"We don’t just connect systems—we help banks build the data infrastructure they need to operate with confidence, clarity, and control."
— Lee Easton
*CCBank is a Utah chartered bank located in Provo, Utah. Member FDIC
