Services
Fixed-fee engagements, led by the operator.
Every engagement is a fixed fee or a retainer. No hourly billing, no surprise invoices. You'll know the full investment before we start, and it won't change for the work we scoped. Twenty years inside a $10B credit union, the last four running digital: that person leads your engagement, start to finish.
The Deployment Index
FIXED FEE / 4–6 WEEKS
FORCredit unions that need to move from "we should do something about AI" to a concrete, defensible plan.
HAPPENSOver 4–6 weeks we score your institution on the Deployment Index (12 dimensions covering data readiness, governance, vendor posture, team capability, and lending & credit-decisioning AI), alongside a review of your digital stack, contracts, and risk posture.
YOU GETYour Index score, the board slide, plus a scored roadmap covering prioritized use cases, build/buy/partner recommendations, a governance framework, and 12-month sequencing. A plan your board can approve.
TERMSA single fixed fee, scoped to asset size, quoted at the fit call, unchanged after.
GUARANTEEIf the final readout doesn't give your board a decision-ready answer, the second half of the fee is on us. Full terms in the engagement agreement.
Salesforce Value Realization Audit
FIXED FEE / 3–4 WEEKS
FORCredit unions on Financial Services Cloud that aren't seeing the return. Stalled adoption, shelfware modules, an Agentforce pitch on the table and no independent read on it.
HAPPENS3–4 weeks. Adoption and architecture review, data assessment, Agentforce/AI readiness evaluation, and a value roadmap sequenced by payback.
YOU GETA clear picture of what you own, what it should be doing, and what to do about the gap, before you sign the next SOW.
TERMSFixed fee, quoted before we start.
Fractional Chief Digital / AI Officer
RETAINER / 3-MO MINIMUM
FORCredit unions (typically $500M–$5B) that need executive-level digital and AI leadership but can't justify, or can't find, the full-time hire.
HAPPENSThe founder joins your executive cadence roughly two days a week. He owns the digital and AI agenda, manages vendors, reports to the board, and coaches your team so the capability stays when the engagement ends.
YOU GETA shipped outcome every quarter, a number rather than an activity. Board reporting your directors can follow, and current documentation of where digital and AI actually stand. When it ends, you get a transition memo, not a gap.TERMSFlat monthly retainer, three-month minimum, then month to month.
Vendor Selection & Implementation Oversight
FIXED FEE / SELECTION
FORCUs facing a major platform decision (digital banking, AI tooling, core-adjacent systems) who want the buyer's side of the table to be the strongest side.
HAPPENSWe run or support the selection, from requirements and RFP through demo scripts that expose weaknesses, reference diligence, and contract negotiation. Optionally we stay through implementation as your oversight layer. When a build is needed, we lead delivery with partners we vet and manage, and you are their only client in the room.
YOU GETA recommendation you can defend to your board, a five-year cost model instead of a first-year price, the negotiating position and term sheet we take into the room, and a written record of why the vendor you chose beat the ones you didn't.TERMSFixed fee per selection; implementation oversight by monthly retainer.
Post-Merger Digital Integration
ROADMAP FIXED FEE / PROGRAM RETAINER
FORMerging credit unions facing the real work after the signatures: two Salesforce orgs, two digital banking stacks, two data models, and everyone watching the promised synergies.
HAPPENSPlatform disposition decisions (which org survives), member migration sequencing, vendor contract rationalization, and integration program leadership through go-live.
YOU GETOne recommendation per platform pair with the evidence behind it, a member migration calendar, the vendor contracts worth consolidating and what that saves, and an honest restatement of the synergy number before your board hears it somewhere else.TERMSFixed fee for the disposition & roadmap phase; integration program leadership by monthly retainer.
Board & Executive AI Education
FIXED FEE / SESSION
FORBoards and executive teams that need a shared, realistic understanding of AI before the strategy conversation can go anywhere.
HAPPENSA half- or full-day working session: what AI is and isn't, what examiners are starting to ask, what peers are deploying, and live demonstrations.
YOU KEEPA draft AI governance charter and an examiner-question checklist, tailored in-session to your institution.
AI Containment & Charter Sprint
FIXED FEE / 2 WEEKS / ANY SIZE
FORCredit unions with AI already running and nobody governing it (a chatbot someone built, vendor features switched on, staff using public AI tools), and a board asking "what are we doing right now?"
HAPPENSIn two weeks: a full AI inventory, including what your vendors switched on; every live capability wrapped with scope limits and a human path; the governance charter installed; and your compliance officer briefed by you, with documents in hand.
YOU GETThe "we found it ourselves, we contained it ourselves, here's the plan" story. On exam day that is a strength.
GUARANTEEIf your board can't tell that story after the sprint, the second half of the fee is on us. Full terms in the engagement agreement.
AI Exam Prep
FIXED FEE / 2–3 WEEKS / WHEN THE EXAM LETTER ARRIVES
FORCredit unions with an exam inside two quarters. Examiners map AI onto frameworks they already use: third-party risk, model risk, fair lending. "We're still evaluating" is not an answer your CEO wants to give live.
HAPPENSA mock exam. The evidence request arrives cold, phrased as an examiner would phrase it, on a clock. Then a live mock session, a 30/60/90 gap list, and your exam-day narrative, drafted with your CEO in your CEO's words.
YOU GETAn evidence file that answers the real request in days, and a leadership team that has already had the hard version of the conversation.
GUARANTEEIf the exam raises an AI question we didn't prep you for, your next Exam Prep is free. Full terms in the engagement agreement.
Credit Union Go-to-Market Advisory
FIXED-FEE AUDIT / MONTHLY RETAINER
FORFintechs and CUSOs selling into credit unions who keep losing deals to "we'll revisit next year."
HAPPENSBuyer's-side insight on how CUs evaluate, procure, and pass vendor due diligence. Product readiness review, pilot design, pricing and channel strategy (leagues, CUSOs), and due-diligence package preparation.
YOU GETA scored read on where you actually stand with credit union buyers, a fix list ranked by which gate each one opens, your due-diligence packet graded against the standard CUs actually apply, and a two-quarter plan built on it.
Start where you are.
Thirty minutes, no pitch. Tell us where you are and we'll say which engagement fits, or that none does.