Runline

APPLY FOR PILOT

[ .JSON ]

[ .MD ]

© 2026 Runline, a brand of Concreit Inc. All rights reserved.

“We handle the process - your people handle the relationships”

Runline

Self-improving AI infrastructure for credit unions

Become the institution your members can’t live without.

The question isn’t whether AI transform credit unions. It’s who gets there first.

SCHEDULE A DEMO

SCHEDULE A DEMO

→

→

Embed agents that understand your credit union and self-improve with built‑in monitoring and controls, so your team can refocus on your members.

Embed agents that understand your credit union and self-improve with built‑in monitoring and controls, so your team can refocus on your members.

>_

>_

[MSR-SOP-017]

[MSR-SOP-017]

Recall memory for updates

Recall memory for updates

> Reviewing MSR SOPs

> Reviewing MSR SOPs

Assessing member data

Assessing member data

Request approval

Request approval

>_

>_

>_

>_

Connect

We build the data foundation — pipelines, warehouse, real-time sync — so your 15+ systems finally speak the same language. No CTO required.

Secure

Every AI system — ours, your vendors', everyone's — runs through a secure runtime you control. Per-agent keys. Real-time monitoring. Kill-switch. Examiner-ready.

Deploy

AI agents that triage BSA alerts, draft SARs, surface fraud, answer members at 2am, and pull insights your data has been hiding. Not chatbots. Runners.

Amplify

Your people stop being the glue. They become advisors, analysts, relationship builders — the roles they were hired for.

Everyone’s selling you a chatbot. You need intelligent infrastructure.

Everyone’s selling you a chatbot. You need intelligent infrastructure.

Three layers. One secure platform. Your 15 disconnected vendor systems finally working as one - without CTO hires, without vendor lock-in, without the grind.

Three layers. One secure platform. Your 15 disconnected vendor systems finally working as one - without CTO hires, without vendor lock-in, without the grind.

Layer 1

Data Foundation

Stop exporting CSVs and duct-taping vendor APIs. Runline builds a unified data layer that connects your core, LOS, digital banking, CRM, and every vendor—automatically.

ETL Pipelines

01

Automated extraction from core systems, loan origination, digital banking, and CRM. Real-time sync means your data is always current—no manual exports, no stale snapshots.

Automated extraction from core systems, loan origination, digital banking, and CRM. Real-time sync means your data is always current—no manual exports, no stale snapshots.

Unified Data Warehouse

02

Automated extraction from core systems, loan origination, digital banking, and CRM. Real-time sync means your data is always current—no manual exports, no stale snapshots.

Automated extraction from core systems, loan origination, digital banking, and CRM. Real-time sync means your data is always current—no manual exports, no stale snapshots.

Real-Time Change Data Capture

03

Automated extraction from core systems, loan origination, digital banking, and CRM. Real-time sync means your data is always current—no manual exports, no stale snapshots.

Automated extraction from core systems, loan origination, digital banking, and CRM. Real-time sync means your data is always current—no manual exports, no stale snapshots.

Layer 2

Secure Agentic Runtime

Every AI agent runs through NCUA-grade security infrastructure with full audit trails, per-agent credentials, and instant kill-switches. Transparent, traceable, and always in your control.

API Proxy Gateway

01

Single secure gateway for ALL AI connections to vendors and systems. Every call flows through you—full visibility into what agents access and when.

Single secure gateway for ALL AI connections to vendors and systems. Every call flows through you—full visibility into what agents access and when.

Per-Agent Security Keys

Per-Agent Keys

02

Unique credentials per vendor, per agent. Full traceability for every action. If an agent misbehaves or a vendor gets compromised, instantly revoke access without touching other workflows.

Unique credentials per vendor, per agent. Full traceability for every action. If an agent misbehaves or a vendor gets compromised, instantly revoke access without touching other workflows.

Instant Kill-Switch

03

Disable any agent instantly with two-factor authentication. Forensic preservation of all activity logs for examiner review. Zero ambiguity about what happened.

Disable any agent instantly with two-factor authentication. Forensic preservation of all activity logs for examiner review. Zero ambiguity about what happened.

Layer 3

Runners

Custom AI agents aligned to YOUR credit union’s workflows, policies, and priorities operating with real computers designed for productivity. They handle the repetitive drudgery so your experts focus on judgment calls and member relationships.

Custom Runners for EXPERT FUNCTIONS

Custom Runners

01

Compliance agents catch BSA red flags. Fraud agents analyze patterns. Data agents reconcile exceptions. Member service agents triage queues.

Compliance agents catch BSA red flags. Fraud agents analyze patterns. Data agents reconcile exceptions. Member service agents triage queues.

Intelligent Workflows That Follow YOUR SOPs

Intelligent Workflows WITHIN SOPs

02

Agents ingest your standard operating procedures, policies, and playbooks. They execute steps, branching, and approvals exactly as your team does, without fatigue.

Agents ingest your standard operating procedures, policies, and playbooks. They execute steps, branching, and approvals exactly as your team does, without fatigue.

Context Layer Intelligence

03

Agents learn your institution’s quirks: local lending patterns, member demographics, seasonal trends, regulatory nuances.

Agents learn your institution’s quirks: local lending patterns, member demographics, seasonal trends, regulatory nuances.

Core Integrations

Piloting

CU*Answers / CU*BASE

Coming soon

Corelation KeyStone

Coming soon

Symitar / Jack Henry

Coming soon

Fiserv DNA

Coming soon

Symitar / Jack Henry

Coming soon

Fiserv DNA

Already In Motion

This is not theoretical.

It is running in credit unions today.

Design Partner

$1.5B+ Credit Union - Piloting with Runline

Data foundation built, fraud and BSA runners deployed, and real‑time feeds flowing from more than a dozen systems. The platform was shaped from inside their operations.

Strategic Partnership

300+ Credit Unions - Top Core Provider

A leading core provider has selected Runline as its AI and data engineering layer for joint go‑to‑market. Deep integrations and program details are in progress.

AI Already Transforming Credit Unions

Examples of AI agents transforming operations — not just in pilots, but at scale.

$2.8B CU, Midwest

70%

More loans processed

$9.7B CU, Northeast

13,000+

13,000+

Staff‑days freed per year

$18B CU, Southeast

$800k

Fraud stopped in 6 month

$2.3B CU, West Coast

30%

More profitable with AI

Built by operators.

Backed by believers.

Runline brings together founders who have shipped regulated infrastructure, advisors who know credit unions and regulators from the inside, and investors who believe the next wave of AI in financial services must be safe, transparent, and exam‑ready from day one.

Sean Hsieh

Founder and CEO

Previously founded Flowroute, the first fully virtual telecom carrier in the United States, acquired by Intrado. Built Concreit, a regulated wealth technology platform with large real‑estate partners. Spends his career building compliant infrastructure, then shipping products teams actually use.

Joshua Herman

CEO & Former NCUA Examiner

CEO & Former NCUA Examiner

Paul Fiore

Founder, Digital Insight

Founder, Digital Insight

Mike Duncan

CEO, Bankjoy

CEO, Bankjoy

Jon Stein

Founder, Betterment

Founder, Betterment

Archit Shah

Former GC, Robinhood

Former GC, Robinhood

Our Advisors

Runline

Become the institution

you were meant to be.

Built for your examiners.

Built for your examiners.

FinCEN requires human accountability. NCUA wants monitoring, control, and termination for every AI system. We didn't build around those requirements — we built on top of them. Your experts stay accountable. The agents handle throughput.

FinCEN requires human accountability. NCUA wants monitoring, control, and termination for every AI system. We didn't build around those requirements — we built on top of them. Your experts stay accountable. The agents handle throughput.

FinCEN requires human accountability. NCUA wants monitoring, control, and termination for every AI system. We didn't build around those requirements — we built on top of them. Your experts stay accountable. The agents handle throughput.

The risk today

Every AI vendor you use has direct access into your core. Shared credentials. Limited logging. If one vendor is breached or misconfigured, you carry the full responsibility.

Every AI vendor you use has direct access into your core. Shared credentials. Limited logging. If one vendor is breached or misconfigured, you carry the full responsibility.

Three questions your examiner will ask

Three questions your examiner
will ask

01

“Can you see what your AI systems are doing?”

“Can you see what your AI systems are doing?”

Runline:

Yes. Real-time activity across all agents and vendors on a single dashboard, with searchable logs for every action.

Yes. Real-time activity across all agents and vendors on a single dashboard, with searchable logs for every action.

02

“Can you control who has access to what?”

“Can you control who has access to what?”

Runline:

Yes. Per-agent credentials, granular permissions, and role-based access that you define and can adjust at any time.

Yes. Per-agent credentials, granular permissions, and role-based access that you define and can adjust at any time.

03

“Can you shut it down if something goes wrong?”

“Can you shut it down if something goes wrong?”

Runline:

Yes. Instant kill-switch with two-factor approval and automatic forensic preservation of all records for audits.

Yes. Instant kill-switch with two-factor approval and automatic forensic preservation of all records for audits.

AI Infrastructure to Unleash your Credit Union

Runline agents automate third-party vendor drudgery, freeing staff for high-impact work with profound efficiency gains.

Summarized this

member’s history

Summarized this

member’s history

Reviewing loan

repayments

Reviewing loan

repayments

The balance is...

The balance is...

Retrieving recent activity

Retrieving recent activity

On call 00:03...

On call 00:03...

Margaret Chen

Margaret Chen

Account #4821-7703 · Member since 2014

Account #4821-7703 · Member since 2014

CONTEXT

CONTEXT

Last contact: 14 days ago

CD maturity: $45,000 on Mar 15

Auto loan: 5.9% — refi eligible

Mobile deposit: not enrolled

Last contact: 14 days ago

CD maturity: $45,000 on Mar 15

Auto loan: 5.9% — refi eligible

Mobile deposit: not enrolled

SUGGESTED ACTIONS

SUGGESTED ACTIONS

Discuss CD renewal at 4.25% APY

Offer auto-loan refi to 4.1%

Mention mobile deposit upgrade

Discuss CD renewal at 4.25% APY

Offer auto-loan refi to 4.1%

Mention mobile deposit upgrade

Member Services & Operations

Member Services & Operations

Every minute a member waits is a minute they're questioning you. Runline handles the routine in seconds — so your MSRs can focus on what matters: the relationship.

Compliance & Fraud

Compliance & Fraud

Speed up manual workflows by over 85% by having cases prepped for your team. Automated investigations catch risks early.

Speed up manual workflows by over 85% by having cases prepped for your team. Automated investigations catch risks early.

Fraud Alert Resolved

4 min

Flagged transaction investigated and closed

Fraud Alert Resolved

4 min

Flagged transaction investigated and closed

Suspicious Activity Report

In progress

Flagged transaction investigated and closed

Lending & Underwriting

Lending & Underwriting

Slash routine tasks to become instant insights. Your team focuses on conversations that build loyalty.

Slash routine tasks to become instant insights. Your team focuses on conversations that build loyalty.

Exception Queue

Exception Queue

PASS

PASS

FAIL

FAIL

Complete Loan process

Complete Loan process

Underwriting Review

Underwriting Review

Borrower Risk Assessment

Borrower Risk Assessment

Policy & Compliance Check

Policy & Compliance Check

Data, Analytics & Member Intelligence

Data, Analytics
& Member Intelligence

Data, Analytics & Member Intelligence

Unified member intelligence across all systems. Ask questions in English — answered in seconds.

Unified member intelligence across all systems. Ask questions in English — answered in seconds.

Which members have auto loans maturing in the next 90 days?

Which members have auto loans maturing in the next 90 days?

Core

Core

LOS

LOS

Card

Processing

Card

Processing

CRM

CRM

Vendors

Vendors

AI INFRASTRUCTURE FOR CREDIT UNIONS

AI INFRASTRUCTURE FOR CREDIT UNIONS

The speed of AI.

The rigor of a credit union.

The speed of AI.

The rigor of a
credit union.

The speed of AI.

The rigor of a credit union.

Go beyond a chatbot. Your agents deserve a control layer that enables them to be proactive, safe, auditable, and exponentially more valuable.

APPLY FOR PILOT

APPLY FOR PILOT

→

→

USE the best models. Secured by your rules.