Case Study: New York City-based bank achieves automated reconciliation, 84% DDA cost reduction and improved audit visibility with Fiserv Frontier Reconciliation

Fast-Growing Bank Automates Reconciliation and Certification for Greater Productivity, Accuracy and Visibility

New York City-based Bank, which grew rapidly through acquisitions to nearly $31 billion in assets, faced labor‑intensive, manual reconciliation processes that limited productivity, visibility and compliance. The bank turned to Fiserv for its Signature® banking platform and Frontier™ Reconciliation to replace spreadsheet‑based workflows and standardize reconciliation across the enterprise.

Fiserv implemented Frontier Reconciliation (and later upgraded to Frontier Reconciliation: Account Certification) to automate Fed Rec, ACH, ATM and other reconciliations and introduce a fully audited certification workflow. The bank now completes more reconciliations with the same staff, established clean audit trails and standardized reporting, saw fewer charge‑offs, and cut DDA reconciliation costs from $29/day to $4.68/day (an 84% reduction).