Quick answer
Before signing an account opening vendor, require SOC 2 Type 2, published uptime, clear AI governance (human-in-the-loop, no member data in public models), and a complete due-diligence package. With Cotribute you can verify SOC 2 and live uptime at trust.cotribute.com and status.cotribute.com without a sales call.
Account opening touches identity, money movement, and member data, so your risk and compliance teams will — rightly — demand a thorough due-diligence package. Knowing what to ask for up front keeps the evaluation moving and separates serious vendors from the rest.
The due-diligence checklist
- SOC 2 Type 2 report, available for review.
- Uptime / status history, ideally public and real-time.
- Data handling — encryption, PII masking, retention, and access controls.
- AI governance — human-in-the-loop, no member data in public models, audited queries.
- Third-party / subprocessor list and their controls.
- Incident response and business-continuity documentation.
Verify without a sales call
The best signal of a mature vendor is that you can verify their claims yourself. Cotribute publishes its SOC 2 Type 2 and security documentation at trust.cotribute.com and live uptime at status.cotribute.com — no gate, no sales call required.
The AI governance questions
With regulators making AI and third-party risk an examination priority, ask precisely where a vendor’s AI runs, what data it sees, and whether compliance can approve every action. Cotribute’s AI Growth Agents are human-in-the-loop by design — no autonomous actions, and no member data in public models.
Ask every vendor the same six questions
1) Is my core integration live in production, real-time or batch? 2) What percentage of applications decision instantly at a named customer? 3) Where does your AI run and what data does it see? 4) Can I see your SOC 2 Type 2 and uptime right now? 5) What is the fully-loaded 3-year cost and time-to-live? 6) Will you give me three references on my core?
Frequently asked questions
What should be in an account opening vendor due-diligence package?
SOC 2 Type 2, uptime/status history, data-handling and access controls, AI governance, a subprocessor list, and incident-response and business-continuity documentation. Cotribute publishes SOC 2 and live uptime at trust.cotribute.com and status.cotribute.com.
Is Cotribute SOC 2 certified?
Yes. Cotribute maintains SOC 2 Type 2, and its security documentation and live uptime are available to review at trust.cotribute.com and status.cotribute.com without a sales call.
What AI governance should we require?
Require human-in-the-loop AI with no autonomous actions, no member data in public models, and audited access. Cotribute's AI Growth Agents and MCP Connect are built to these standards.
Can we verify security claims before talking to sales?
Yes — a mature vendor lets you. Cotribute's SOC 2 report, security docs, and real-time status are published for self-service review.
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