Now live with pilot institutions

Fraud decisions in under a second. Not four hours.

MemberShield unifies SentiLink, OFAC, and ChexSystems into one decisioning layer — built exclusively for community banks and credit unions.

Request a Private Demo See how it works
$12.5B
Bank fraud losses 2024
<1s
Decision time
1 hr
To deploy
73%
Less manual review
APPROVED — 187ms
Fraud Check — Live Result APPROVED
SENTILINK score: 0.12 APPROVE
OFAC score: 0.01 CLEAR
QUALIFILE score: 0.08 APPROVE
Final Decision
APPROVE
Completed in 187ms · 3 signals evaluated · Audit logged
BSA audit trail written

Trusted by pilot institutions across Texas

Plano Credit Union Dallas Federal Credit Union Community First Bank Lone Star CU
The Problem

Your fraud team is the integration layer. That is the problem.

The average community institution uses 4.7 separate fraud systems. Your analyst is copying data between tabs, not analyzing fraud.

01
Five systems that never talk to each other
SentiLink, OFAC, ChexSystems, your core system, a spreadsheet. Each has its own login. Zero shared context. Your analyst is the only connection between them.
02
Decisions depend on who worked that day
When your fraud policy lives in analysts' heads, you don't have a policy — you have a collection of individual opinions that vary by shift and workload.
03
Your audit trail is someone's inbox
When the NCUA examiner asks for documentation of a decision made 18 months ago — and in 2026 they will — you search email. This is a compliance liability, not a strategy.
04
Synthetic identity fraud upgraded. Your tools didn't.
Credit unions saw a 55% increase in AI-powered fraud in 2025. Synthetic identities now pass standard checks. You are fighting modern fraud with legacy workflows.
05
Members abandon to faster competitors
Fintechs decide in 60 seconds. Your members wait 4 hours. You are not losing to better underwriting. You are losing to faster infrastructure.
06
Enterprise platforms were not built for you
NICE Actimize starts at $500K/year and takes 18 months to deploy. It was built for JPMorgan. You need something built for a $2B credit union with four analysts.
How It Works

One second from application to decision.

Every vendor called in parallel. Every signal normalized. Every decision explainable. Every action audit-logged.

1
Application arrives via API or embedded widget
Bank submits applicant data. MemberShield authenticates the institution API key and begins evaluation instantly.
0ms
2
All three vendors queried simultaneously
SentiLink, OFAC, and QualiFile are called in parallel — not one after another. All responses normalized to the same schema.
~150ms
3
Rules engine evaluates all signals
Your institution's configured rules evaluate the combined signals. First matching rule determines the outcome.
~170ms
4
Decision returned + case created if needed
APPROVE, REVIEW, STEP_UP, or DECLINE returned instantly. REVIEW cases auto-route to your analyst queue pre-assembled.
~200ms
5
Immutable audit trail written automatically
Who decided, what data they saw, what rule fired, when — written to a BSA-compliant immutable log. Zero manual documentation.
~200ms
Applicant
John Smith — Auto Loan — $25,000
↓
SentiLink
0.12
OFAC
0.01
QualiFile
0.08
↓
Rules Engine
Low Risk Approval — ALL ≤ 499 → APPROVE
↓
Final Decision
APPROVE
187ms · Audit logged · No analyst required
Platform Features

Everything your fraud team needs. Nothing they don't.

Built for institutions with $500M–$10B in assets. Not enterprise bloat. Not bare-bones point solutions.

Parallel signal aggregation
All three vendors called simultaneously, not sequentially. Normalized to a single schema. Results in under 200ms.
Configurable rules engine
Your compliance team sets the thresholds. No code. No vendor calls. Changes take effect immediately on the next evaluation.
Case management with SLA
REVIEW cases auto-routed to your analyst queue with all context pre-assembled. SLA tracking, assignment, and escalation built in.
Immutable audit trail
Every decision written automatically. Who decided, what data, what rule, when. BSA/AML examination-ready from day one.
Embeddable widget
One iframe tag in your loan portal. Zero backend changes. Auto-runs fraud check on applicant data. Deploy in under one hour.
True multi-tenancy
Each institution gets branded login, isolated data, separate rules, and independent analyst teams. Complete data isolation guaranteed.
Outcomes

What institutions see after deploying MemberShield.

Conservative estimates based on pilot institution data and industry benchmarks.

73%
Less manual review
Low-risk applications auto-approved. Analysts focus only on genuine exceptions.
91%
Faster decisions
From 4.2 hours average to under 1 second for auto-decisioned applications.
$0
Manual audit prep
Every decision automatically documented. Zero analyst time spent on compliance documentation.
1 hr
Time to deploy
Add one iframe to your loan portal. No IT project. No integration sprint. No 18-month timeline.
Pricing

Straightforward pricing. No surprises.

Built for institutions that need enterprise capability without enterprise pricing. Cancel anytime.

Starter
$2,500
per month
500 evaluations per day
3 vendor integrations
Decision engine + rules
Case management (5 analysts)
Audit trail + BSA compliance
Email support
Get started
Growth
$6,000
per month
5,000 evaluations per day
5 vendor integrations
Decision engine + simulation
Case management (25 analysts)
Compliance-grade audit logs
Slack + email support
Get started
Enterprise
Custom
annual contract
Unlimited evaluations
Unlimited vendor integrations
AI-assisted scoring
Unlimited analysts + RBAC
Custom exports + SIEM
Dedicated CSM + SLA
Contact us

Ready to stop switching tabs?

We are selectively onboarding community banks and credit unions for Q2 2026.
We will respond within one business day.

contact@heliocorp.tech
No commitment required · Private demo · Personalized for your institution