One Framework.
Onboarding and Every
Periodic Review.
Across Oversight-AI is a third-party risk management platform that automates Onboarding Risk Assessments and Periodic Risk Assessments of fintech and BaaS partners for banks and credit unions. It runs the same structured process at every stage of the relationship — build the Framework once, request the Data, and let Oversight-AI turn it into a decision-ready Report.
Every Assessment Runs on the Same Three Pillars.
Onboarding due diligence and periodic reviews are not two separate systems — they're the same Framework, applied to a new Data cycle, producing a comparable Report every time.
Risk categories, attributes, and indicators — pre-built or custom — with weights and thresholds set to your institution's risk appetite and OCC, FFIEC, and NCUA expectations.
Structured RFIs generated straight from the Framework, linked to the exact indicator — not a generic questionnaire — and collected into a searchable, auditable repository.
Oversight-AI reads the collected Data, scores it against the Framework, and drafts a decision-ready report with a full audit trail — ready for internal approval and examination.
Onboarding Assessment
Before any fintech, BaaS partner, or program manager goes live, Oversight-AI runs a structured pre-onboarding assessment across 10+ risk categories — matched to the partner type — so the go/no-go decision is documented and examiner-ready from day one.
A template matched to the partner type
Start from a ready-made template for the partner type you're onboarding — fintech/BaaS, MSB, correspondent bank, high-risk merchant — or build your own from the risk indicator library.
Underwriting-grade RFIs, day one
Every request maps to a specific indicator in the onboarding framework — corporate documents, the BSA/AML program, financial statements, and a self-assessment questionnaire — with no generic checklist and no duplicate asks.
A go/no-go decision, fully documented
Oversight-AI scores every indicator, produces a quantified risk score, and drafts a recommendation — approve, approve with conditions, or decline — with the underlying evidence attached from the first day of the relationship.
Periodic Risk Assessment
Risk doesn't stop at onboarding. Oversight-AI runs scheduled reviews of active third-party relationships — at both a policy and activity level — so you're always the first to catch a shift in risk, and your program stays defensible at examination.
The same framework, re-applied on schedule
The onboarding framework carries forward as the baseline — reweighted where the relationship has changed, and scoped to the cadence you set for policy review versus ongoing activity monitoring.
Continuous evidence, not a fresh interrogation
Each review cycle requests only what's changed — updated policies, filings, and statements since the last review — tracked against the same indicator so nothing is asked for twice.
A trended risk picture, not a snapshot
The periodic report scores every category against this period's evidence and last period's result, flags any risk-appetite breach, and gives the risk committee a clear status on every open item.
One Report Format. Onboarding or Periodic.
Whether it's a first-time onboarding decision or the tenth periodic review, every Oversight-AI report follows the same structure — executive summary, risk-area summaries, detailed observations, and a quantified rating — with a full audit trail.
A pre-onboarding decision report that gives your risk committee a single number and a clear recommendation before the partner goes live.
Overall posture is LOW-MODERATE. Recommended for approval with two standard conditions on information security documentation.
Each periodic review compares this period against the last, flags any risk-appetite breach, and keeps the board and examiners looking at the same structured format every time.
Onboarding and Periodic Risk Assessments, Explained.
An Onboarding Risk Assessment is the structured due diligence a bank or credit union completes before a fintech, BaaS, or vendor partner goes live. Oversight-AI collects the partner's evidence — BSA/AML program documentation, KYC and CDD records, SOC 2 Type II reports, OFAC screening output, and financial statements — scores it against your framework, and produces a decision-ready report for your risk committee.
Most institutions run an annual comprehensive Periodic Risk Assessment, a quarterly mid-cycle review of cumulative risk trends, and short-term reviews (weekly or on a custom cadence) for time-sensitive indicators like CIP compliance and ACH return rates. Higher-risk partners are reassessed more often. In Oversight-AI each assessment type runs on its own independent schedule within the same framework.
They are the same framework applied at different points in the relationship. The Onboarding Risk Assessment establishes the baseline before a partner goes live; the Periodic Risk Assessment re-runs that framework on a new data cycle after the partner is live, producing a comparable report and period-over-period trend rather than a standalone snapshot.
Yes. You define the risk indicators, scoring bands, document requirements, and evaluation criteria. Oversight-AI ships with templates aligned to OCC, FFIEC, FDIC, and NCUA guidance, but every element is configurable to your institution's own risk appetite and internal policies.
Yes. Every report includes an executive summary, risk-area summaries, detailed observations traceable to source evidence, and a quantified risk rating matrix, with a timestamped audit trail of every reviewer edit and approval. Across reports have been reviewed directly during FDIC and NCUA examinations.
See how Across delivers decision-ready risk assessments.
Designed to empower your compliance team and keep you exam-ready at every stage.