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. [Marketing and product](#marketing) [Compliance and risk](#compliance) [Operations](#operations) [IT and security](#it) Spring checking bonus / **Activity**SCSample 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 3**1 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 / **Exceptions**2 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](https://ankasum.com/security/) 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](https://ankasum.com/contact/form/) [Other ways to reach us](https://ankasum.com/contact/) - No customer data needed for the demo - We can sign your NDA first - Bring marketing, compliance and operations together --- Source: https://ankasum.com/who-its-for/ Updated: 2026-11-12