Monday Morning Checklist

Heritage Community Credit Union
Following: Seiche Advisors Compass session · July 24, 2026
Attendees: 8 executives (CEO, CFO, CIO, COO, CRO, CLO, BSA Officer, Board Director)

Ten actions — owners and deadlines

#	Action	Owner	Deadline
1	Schedule Journey scoping call with Seiche Advisors to produce board-ready Strategy Package	Patricia Chen, CEO	Aug 1, 2026
2	Draft AI acceptable-use policy using Seiche template; route to CLO for compliance review	James Wu, CIO + Linda Park, CLO	Aug 15, 2026
3	Complete AI inventory — survey all vendors: "Does your product use AI/ML? For what decisions?"	James Wu, CIO	Aug 15, 2026
4	Designate AI governance lead — assign to existing CRO staff (0.25 FTE minimum)	Robert Ellis, CRO	Aug 8, 2026
5	Publish interim GenAI guidelines — no member PII in public AI tools until policy approved	Linda Park, CLO	Aug 1, 2026
6	Deploy phishing-resistant MFA on wire transfer and Symitar admin access	James Wu, CIO	Sep 30, 2026
7	Schedule deepfake awareness training for all member-facing and wire desk staff	HR + CRO	Sep 15, 2026
8	Update SAR escalation procedures to include FinCEN deepfake alert terminology	Diane Foster, BSA Officer	Aug 8, 2026
9	Approve 15-user Copilot pilot — lending, compliance, and member service (see Pilot Spec #2)	CEO + CFO	Sep 1, 2026
10	Brief the board — present Compass takeaways and request Journey authorization ($25K budget line)	Patricia Chen, CEO	Aug 21 board meeting

What we covered in the Compass session

49% of banks and 59% of credit unions have deployed GenAI (Cornerstone Advisors, Jan 2026)
HCCU's governance gap is common and fixable in 90 days
BSA/AML triage is the highest-ROI first pilot for this institution
Year 1 conservative AI investment band: $110K–$285K for HCCU's size and priorities

Seiche follow-up

[x] Same day: Compass readout (01-compass-readout.html)
[x] Within 24h: This Monday Morning Checklist (PDF)
[x] Within 24h: Vendor Evaluation Scorecard (fillable)
[x] Within 24h: Journey scoping invitation

Note: The 53-slide Executive Overview is facilitated in session only — Seiche marketing material, not a client deliverable.

No ambiguity. No "consider" or "evaluate." Ten specific actions with named owners.