Empowering Banks to Operate with Confidence and Clarity
Banks operate in a landscape defined by evolving regulations, emerging risks, and rising customer expectations. To remain competitive and compliant, banks must strike a balance between risk oversight and strategic growth.
360factors’ suite of platforms includes Predict360, Lumify360, and Ask Kaia, which help banks modernize their governance frameworks, streamline compliance operations, and turn data into strategic insight.
With 360factors solutions, banks can transform their operations from reactive to proactive:
- Ensure Regulatory Compliance: Automate monitoring, manage testing and reporting, and stay aligned with changing OCC, FDIC, and FFIEC expectations through Predict360.
- Gain Unified Performance Visibility: Connect and analyze operational, financial, and risk data through Lumify360’s AI-driven dashboards.
- Empower Compliance Teams with AI Insight: Ask Kaia delivers instant, regulation-specific guidance for complex banking compliance scenarios.
- Integrate Seamlessly: Each solution works independently or as part of a connected ecosystem, improving transparency, governance, and performance across the enterprise.
Industry Challenges for Banks
Banks are under constant pressure to maintain compliance, manage credit and operational risks, and meet regulatory expectations while driving profitability. As the pace of digital transformation accelerates, manual processes and disconnected systems make compliance oversight and risk visibility very difficult.
Common challenges faced by banks include:
- Frequent updates to OCC, FDIC, CFPB, and Federal Reserve regulations requiring continuous monitoring and interpretation.
- Disparate systems for risk, compliance, and performance management hinder enterprise visibility.
- Rising expectations from examiners for automated evidence, traceability, and governance documentation.
- Expanding third-party ecosystems that increase operational and cybersecurity risk exposure.
- Compliance and risk teams under pressure to do more with less, managing audits, assessments, and regulatory changes simultaneously.
Predict360 Risk and Compliance Management for Banks
Regulatory expectations for banks continue to evolve, spanning fair lending, cybersecurity, operational resilience, and climate risk. Predict360 helps banks maintain compliance confidence through intelligent automation, centralized oversight, and AI-assisted decision-making.
Predict360 enables banks to:
- Monitor and manage regulatory obligations, testing, and findings through an intelligent compliance engine.
- Automate risk assessments and control testing for credit, operational, and third-party risks.
- Track emerging regulatory changes and assess impact using AI-powered regulatory change management.
- Manage policies, audits, and corrective actions through a unified dashboard.
- Generate examiner-ready reports with automated documentation and audit trails.
Lumify360 Data Insights and Performance Management for Banks
Modern banking relies on data, but siloed systems hinder the ability to gain a comprehensive view of performance, risk, and compliance. Lumify360 unifies these insights, enabling leadership to monitor financial, customer, and operational data in real-time.
What banks gain with Lumify360:
- Consolidate data from core banking, compliance, and operational systems into one source of truth.
- Visualize key performance and metrics through interactive dashboards tailored to banking priorities.
- Identify performance trends and signals early through AI-driven forecasting and analytics.
- Empower teams to explore and understand data independently without the need for external expertise.
- Integrate seamlessly with Predict360, Power BI, and existing BI tools for enterprise-wide insights.
AI-Powered Regulatory Intelligence: Ask Kaia for Banks
Ask Kaia harnesses the power of Generative AI for compliance and regulatory intelligence, enabling banking professionals to find answers, interpret rules, and make informed decisions.
Trained extensively on U.S. federal regulations and regulatory guidance from agencies such as the OCC, CFPB, FDIC, and FINRA, Ask Kaia acts as a 24/7 compliance assistant that understands the language of finance, risk, and oversight.
Why do banks rely on Ask Kaia?
- Get clear, contextual responses to complex compliance and policy questions in seconds.
- Skip the hours of document searches; Kaia pinpoints relevant sections and summarizes key guidance instantly.
- As new regulations and guidance are released, Kaia evolves to provide updated, accurate insights.
- Teams can use Ask Kaia to align interpretations, discuss implications, and document compliance actions more effectively.
- Use Kaia independently or within Predict360 and Lumify360 solutions for seamless access to regulatory intelligence across platforms.
Why Choose 360factors?
360factors empowers organizations to accelerate profitability, innovation, and productivity by predicting risks and streamlining compliance.
Complete GRC
All the GRC tools you need integrated in one solution
Basic to Enterprise
From simple risk assessment to complete risk register and control testing
Speed & Execution
Insights into your risk program & control effectiveness
Fast Implementation
The cloud-based solution can be integrated within days
Flexible and Modular
Pick the modules you need for your business
Easy to Use
Automation and an intuitive interface ensure ease of useLearn How 360factors Empowers Customers to Manage Their Risk and Compliance Programs with Ease.
We look forward to working with 360factors to advance our enterprise risk and compliance programs for the bank while increasing the products and services we offer to the community.
Mark Casel Chief Risk Officer
We selected Predict360 due to its ease of use, banking industry design, and endorsement by the American Banker’s Association.
Eric Sprink President & CEO
Predict360’s banking workflows, risk library content, and endorsement from the American Bankers Association are a great fit for our bank.
Julie Dahle EVP and Chief Risk Officer
As part of our initiative to expand our products and services, we wanted to enhance our enterprise risk and compliance management to support this growth. Predict360 will enable our team to meet these goals efficiently.
David Claussen Chief Risk Officer
360factors’ solutions, powered by artificial intelligence, enables our organization to adapt and respond effectively to the ever-changing regulatory compliance landscape.
Joanna Chancellor Business Support Manager
The powerful features combined with the easy implementation of the cloud solution made Predict360 a great fit for our organization.
Steve Parker Chief Executive Officer
We believe our collaboration with 360factors and the technology they bring supports our vision for the future.
Gina Anonuevo Chief Compliance Officer
Deploying Predict360 is another step by us towards becoming a more streamlined and efficient organization.
Crystal Barnes Regulatory Compliance Specialist
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