Case Study: Top 10 U.S. Bank achieves consolidated, efficient and compliant dual risk ratings with ACTICO Credit Risk Management Platform

U.S. Bank - Customer Case Study

U.S. Bank, a Tier 1 U.S. bank with over 50,000 employees and $400+ billion in assets, needed an accurate, efficient and audit-proof way to manage its internal credit risk ratings. The bank sought to consolidate PD and LGD models, standardize credit analyst workflows, integrate with upstream and downstream systems, and meet regulatory compliance. To address these challenges it engaged ACTICO and deployed the ACTICO Credit Risk Management Platform.

ACTICO consolidated all bank‑internal rating models onto a single dual risk rating platform, implemented models in collaboration with the bank’s risk team, delivered consistent user workflows, integrated with financial spreading, CRM and the data warehouse, and provided full design‑ and run‑time audit trails. As a result, U.S. Bank eliminated data silos, gained centralized control over models and processes, increased flexibility to test and deploy model updates, improved efficiency and cost effectiveness, and strengthened regulatory compliance.