AI Vendor Evaluation Scorecard

Heritage Community Credit Union
Prepared by: Seiche Advisors · Post-Compass deliverable
Use case priority: BSA/AML alert triage (Pilot #1)
Date: July 25, 2026

How to use this scorecard

Score each vendor 1–5 per category (1 = unacceptable, 5 = excellent). Weighted total determines shortlist. Minimum passing score for a regulated pilot: 3.5 weighted average with no category below 3.

Category	Weight
Community FI references	20%
Regulatory & compliance posture	25%
Explainability & MRM documentation	20%
Data handling & privacy	15%
Integration with Symitar / existing stack	10%
Total cost of ownership (3-year)	10%

Vendor comparison — BSA/AML triage

Criteria (1–5)	Nasdaq Verafin	Hawk AI	Abrigo BAM+ AI
Community FI references (20%)	5	4	5
Regulatory & compliance (25%)	5	4	5
Explainability & MRM (20%)	4	5	4
Data handling & privacy (15%)	5	4	5
Symitar integration (10%)	4	3	5
3-year TCO (10%)	3	4	3
Weighted total	4.35	4.05	4.30

Scores are illustrative for HCCU's profile. Validate in RFP.

Must-ask questions (score yes/partial/no)

Question	Verafin	Hawk AI	Abrigo
3+ credit union references under $5B assets?	Yes	Yes	Yes
Will HCCU data be used to train vendor's global models?	No	No	No
SOC 2 Type II current?	Yes	Yes	Yes
Adverse-action-style explainability for flagged alerts?	Partial	Yes	Partial
NCUA examiner-facing documentation package?	Yes	Partial	Yes
Symitar / Jack Henry integration path documented?	Yes	Partial	Yes
Fair lending testing N/A for BSA use case?	N/A	N/A	N/A

Indicative economics (HCCU — $1.8B)

Vendor	Year 1 est.	Implementation	3-year TCO est.
Nasdaq Verafin (agentic sanctions module)	$95K–$130K	$25K–$40K	$320K–$420K
Hawk AI (transaction monitoring layer)	$70K–$110K	$30K–$50K	$280K–$380K
Abrigo BAM+ AI enhancement	$85K–$120K	$15K–$25K (existing BAM+ client)	$290K–$390K

HCCU already uses Abrigo for BSA — Abrigo has integration advantage but Verafin leads on agentic sanctions review depth.

Seiche recommendation for HCCU

Primary: Nasdaq Verafin — strongest NCUA-examiner recognition for sanctions and AML workflows at community FIs; agentic review claims 80%+ workload reduction on sanctions alerts (Verafin press release, Jul 2025 — validate in POC).

Alternative: Abrigo BAM+ AI — lowest change-management risk if HCCU wants to extend existing BAM+ investment.

POC scope: 90-day proof of concept on sanctions alert subset only (not full AML replacement). Success metric: 40% reduction in analyst hours per alert with no increase in missed true positives.

Evaluator sign-off

Role	Name	Date	Shortlist approved
BSA Officer	Diane Foster
CIO	James Wu
CRO	Robert Ellis
CLO	Linda Park