+32% new accounts. –82% manual review effort. 90 days.
How CPM Federal Credit Union replaced a struggling digital onboarding platform with Cotribute — and let fraud detection and auto-decisioning do the heavy lifting.
Institution profile
CPM Federal Credit Union's mission is to make financial services affordable and deliver exceptional service — and to capture the next generation of members while doing it.
A digital onboarding platform that couldn't keep up
CPM wanted to provide a user-friendly digital onboarding experience while also automating fraud detection and reducing abandonment rates. Their existing software platform for digital account opening and membership applications couldn't deliver on either front — friction pushed applicants away, and every suspicious application meant manual investigation for staff.
The team set three goals:
- Enhance the digital account opening experience by reducing friction
- Improve the team member experience with better fraud detection and automation
- Improve pull-through rates and increase accounts opened
Stop fraud before account creation — and put clean applications on autopilot
CPM partnered with Cotribute. Apart from being highly configurable, one of the key reasons CPM selected the platform was its deep, real-time integration with their core banking solution: every application is accessible to CPM's team members on the core banking system without manual re-entry or delays.
Two capabilities carried the operational story:
- Fraud detection at the front door. Cotribute's fraud tools stop suspected fraudulent applications before account creation — eliminating the downstream workload of investigation, post-fraud remediation, and account cleanup.
- Auto-decisioning for everything else. Legitimate applications are decisioned automatically against CPM's criteria, so staff only touch the applications that genuinely need human judgment.
What changed in 90 days
"Cotribute's decision intelligence and fraud detection capabilities have been a game changer for CPM. The fraud tools stop suspected fraudulent applications prior to account creation, eliminating the manual workload of the investigation. This has significantly improved operational efficiency by reducing staff hours previously spent on post-fraud remediation and account cleanup."
Products used in this story
Consumer Account Opening
Low-friction digital onboarding with under-2-minute account opening and real-time core booking.
Explore Account Opening →Fraud & Decisioning
70+ configurable fraud and risk decisioning rules that stop fraud pre-account and auto-decision the rest.
Explore Fraud & Decisioning →Core Integrations
36+ direct, real-time API integrations so applications land in the core without re-entry.
Explore Integrations →Related customer stories
Nutmeg State Financial CU
97.6% of manual origination steps automated; 89.5% of applications decisioned instantly.
Read the story →Capitol Credit Union of Texas
$10K in new deposits per account opened and a 70% reduction in processing time.
Read the story →Customer Stories & Outcomes
See every case study, testimonial, and our 90% NPS methodology in one place.
Back to all customers →How much of your review queue is really necessary?
See the fraud and decisioning rules in action, or bring your review volumes and we'll estimate the reduction.