Built for your institution

Three teams, one approved offer.

A bonus offer touches marketing, compliance and operations. In Ankasum each team works in its own view of the same versioned definition, so what marketing promises, compliance approves and operations pays are always the same thing.

Spring checking bonus / ActivitySCSample Credit Union

Marketing Version 3 submittedJordan Alvarez, Mar 28Done
Compliance Approved and signedRiya Chen, Apr 2Done
Operations Daily run, 412 creditsSam Okafor, Apr 14Posted
Compliance Evidence pack exportedRiya Chen, Apr 15Exported

Illustrative, sample data.

For marketing and product

Launch the offer you have in mind, without the ticket queue.

Build the offer yourself from a template, in plain language. Before anyone else reviews it, you see who would have qualified on your own data and what the offer could cost at worst.

Templates for the bonuses you run: direct deposit, balance and debit-card goals, with fixed or tiered rewards.
Every building block in one place: who is eligible, what counts, the goal and deadline, the reward, limits, budget, payment, clawback and how it stacks with other offers.
A preview on your own data of who would qualify, and the worst-case payout per member and in total.
No analyst query to write. The definition you approve is the one that decides who gets paid.

What changes: the offer moves from term sheet to approval in one place, and the question of what it could cost is answered before launch, not after.

Spring checking bonus / Reward and limits

Direct deposits in 90 days	Reward
$2,000 or more	$300
$5,000 or more	$400
$10,000 or more	$500

Per member1 bonus

Budget$450,000

Enrollment closes at900 members

$450,000 worst case

900 members at the $500 maximum. Within budget.

Readback ready, 0 gapsSend for approval

Illustrative, sample data.

For compliance and risk

Approve exactly what will be paid.

You review a plain-English readback of every rule, written by deterministic code from the definition itself. The disclosure is assembled from your own approved clauses, from the same definition, so the terms and the payout cannot drift apart.

A complete readback. Any term that affects eligibility, the reward, limits, budget, payment, clawback or stacking has a sentence, or the offer doesn't compile.
Gaps caught before launch: missing caps, unclear deadlines, boundary cases and named loopholes, in a signed test report.
Maker-checker approval with sign-in from your identity provider and a multi-factor step-up. The person who builds an offer can't approve it, and any change resets approval.
An evidence pack per offer, signed and exportable for your examiner.

What changes: when an examiner asks how a bonus was paid, you export the answer instead of assembling it.

Spring checking bonus / Approve version 31 of 2

You are approving

Version 3, frozen. Readback, test report and disclosure built from your clause library. Any edit starts a new version and resets approval.

Every term appears in the readback
Disclosure matches the payout rules, 9 of 9 terms
Boundary and loophole tests passed

JAJordan AlvarezMarketing, makerSubmitted

RCRiya ChenCompliance, checkerConfirm with MFA

Signed on approvalApprove version 3

Illustrative, sample data.

For operations

A clean fulfilment file every morning, and a short list of exceptions.

Ankasum reads the daily files you already produce, works out who qualified and writes a fulfilment file in the posting format your core accepts. You review only what needs a person.

Your files, as they are. Delimited daily files are mapped once to one model.
Bad records are set aside, not guessed at. A late or broken file holds only the payouts that depend on it.
Every payout recomputed independently before it goes in the file. Amounts must agree to the cent.
Holds come with a reason and a due date tied to the disclosed pay-by date, and escalate to a named approver.
Paid against owed, reconciled for every offer.

What changes: no hand-written qualification query, and no spreadsheet to reconcile at month end.

Daily run / Exceptions2 holds

Member …4471, $300Recomputation disagrees by $100. Due May 9.Review
Member …9025, $300Account closed and reopened in 5 days. Due May 12.Review
Enrollments file, 3 recordsMissing open date. Set aside; nothing else held.Set aside

Fulfilment file ready
412 credits, posting code and tax code setDownload

Illustrative, sample data.

For IT and security

Nothing new to integrate with your core.

Ankasum reads the files you already produce and writes a file your core already accepts. It never posts to your core and never moves money.

Isolated by design. Your data stays in an environment dedicated to your institution, in your country.
Your identity provider. Roles come from your single sign-on.
No standing access to your data by our staff. Every access is approved, time-limited and reported to you.

Security and data custody in detail

Settings / Files

File	Direction	Status
accounts_daily.csv	In, 6:00 AM	Mapped
transactions_daily.csv	In, 6:00 AM	Mapped
enrollments_daily.csv	In, 6:00 AM	Mapped
fulfilment_posting.txt	Out, to your core	Your format

Illustrative, sample data.

Built for US and Canadian banks and credit unions.

Ankasum fits institutions of about $1 billion to $10 billion in assets that run deposit and checking bonuses. For credit unions, it says member, not customer.

The offers it runs

Deposit and checking bonuses paid as cash credits.

Direct deposit goalsBalance goalsDebit card purchasesFixed and tiered rewardsPer-member limitsBudgetsClawback

What it leaves to you

Ankasum doesn't contact your customers or members, make credit decisions or replace your anti-money-laundering monitoring.

Your core posts payoutsYour team approves all wordingYour staff decide every exception

See one of your own offers in Ankasum.

Bring a bonus you run today. In a 30-minute demo we build it in Ankasum and show you the readback, the checks and the payout file it produces.

Book a demo Other ways to reach us

No customer data needed for the demo
We can sign your NDA first
Bring marketing, compliance and operations together