Built Specifically On
Regulatory Expertise.
We don't do generic marketing. Our specialized team has managed hundreds of bank campaigns across deposit growth, loan origination, branch launches, and digital banking adoption—all while flawlessly navigating FDIC compliance, Regulation Z, Truth in Savings, and fair lending constraints.
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The Real
Problems
Banks Face.
Most agencies talk vaguely about "financial services marketing." We speak fluent bank operations. We understand deposit runoff, loan portfolio mix, Net Interest Margin (NIM) compression, and the compliance landmines that instantly kill poorly planned campaigns.
Regulation Z & TILA Failures
Loan advertising that inadvertently violates Truth in Lending Act disclosure requirements triggers immediate consent orders. Every mortgage, HELOC, auto loan, and credit card ad requires specialized legal review before a single dollar is spent on deployment.
Truth in Savings APY Errors
Deposit product advertising under Regulation DD requires absolute precision regarding APY disclosure formatting, compounding methods, minimum balances, and fee schedules. Simple formatting errors here blatantly violate 12 CFR 1030.
Fair Lending & ECOA Risks
Digital campaigns (especially on social media) that inadvertently target or exclude protected geodemographic classes severely violate the Equal Credit Opportunity Act. Every targeting parameter requires rigorous fair lending analysis to avoid disparate impact claims against the institution.
Core System Integration Failures
Disconnected marketing tech stacks create massive data silos. External lead routing breaks, causing application abandonment spikes. Seamless API integration with your specific core banking environment (FIS, Fiserv, Jack Henry) and LOS is functionally mandatory for ROI.
Strategic Services With
Compliance Built In.
Priority Focus
Core Deposit Growth
Strategic funnel modeling for checking, savings, MMDA, and Certificates of Deposit. We handle rate positioning strategy, APY benchmarking against local footprints, Regulation DD adherence, and aggressive Cost of Acquisition optimization.
Retail Banking
Mortgage & HELOC Pipelines
End-to-end Regulation Z-compliant mortgage origination campaigns. We manage strict TILA disclosures, APR advertising, triggering terms review, Qualified Mortgage (QM) positioning, and direct Loan Origination System (LOS) integration (Encompass, BytePro).
Enterprise Banking
Commercial & Treasury
High-touch C&I lending campaigns, Commercial Real Estate (CRE) financing, SBA loan awareness, and treasury management services (ACH, RDC) promotion designed to empower Relationship Managers targeting middle-market prospects.
Channel Migration
Digital Banking Adoption
Reducing structural branch costs through online banking enrollment campaigns, mobile app activation funnels, P2P payment adoption drives (Zelle), remote deposit capture usage, and sustained self-service channel migration strategies.
Portfolio Revenue
Card Optimization & Issuance
Scaling credit card acquisition portfolios (rewards, secured, small business), aggressively driving debit activation incentives for new accounts, marketing modern card controls, and aligning marketing tracking with processors (TSYS, Fiserv).
Risk Mitigation
Pre-Launch Legal Mapping
Unlike generalist agencies, we provide mandatory pre-launch legal mapping. FDIC compliance, Truth in Lending, Truth in Savings, ECOA gap analysis, UDAAP (Unfair, Deceptive, or Abusive Acts or Practices) review, and Community Reinvestment Act (CRA) consideration.
Core System & LOS Integration.
Beautiful marketing campaigns are irrelevant if the application data doesn't securely route into your actual banking infrastructure. We map and integrate with the specific enterprise core systems, loan origination platforms, and digital onboarding technology your institution uses.
Core Banking Platforms
- FIS Systematics, Horizon, IBS
- Fiserv DNA, Precision, Signature
- Jack Henry Silverlake, Core Director, Symitar
- Finastra Phoenix, Fusion
Loan Origination (LOS)
- Encompass ICE Mortgage Technology
- nCino Commercial & Business Lending
- MeridianLink Consumer Lending & Accounts
- Blend Digital Origination & Onboarding
Bank Marketing That Actually
Understands Banking.
Stop forcing your internal General Counsel to rewrite every piece of copy. Stop paying a generalist agency to learn what practically every banker already knows. Partner with a strategic growth team that speaks your exact language: ALCO, NIM, LDR, deposit beta, fair lending, and core integration.
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