Journey Readout — Heritage Community Credit Union
Prepared by: Seiche Advisors
Date: August 16, 2026 (same day as Journey closing session)
Engagement: Journey (10 working days) · builds on Compass (July 24, 2026)
Distribution: Confidential — executive leadership and board liaison
Executive summary
The Journey is complete. Heritage Community Credit Union now has a board-ready AI strategy: current-state assessment, prioritized opportunity map, 12-month roadmap, institution-specific AI policy, two scoped pilot specifications, and a vote-ready board one-pager. This readout summarizes the Strategy Package delivered today; the full ~30-page document and pilot specs are in the portal.
Board ask: Approve $20,000 net Journey fee (Compass credit applied; bundled with 12 months Continuum Plus — $53K stated value) and up to $265,000 Year 1 AI program budget at the August 21 meeting.
Cumulative deliverables (portal library)
| Tier | Readout / artifacts | Date |
|---|---|---|
| Compass | Team readout, deck, checklist, scorecard | Jul 24–25, 2026 |
| Journey | This readout + Strategy Package | Aug 16, 2026 |
Strategy Package highlights
- Five AI systems inventoried; governance at Level 1, no policy until Journey draft (ready for CLO review).
- Pilot 1 — BSA/AML triage: Verafin agentic review layer; $95K Year 1; 11-month payback.
- Pilot 2 — GenAI productivity: 15-user Copilot pilot; $14K Year 1; policy-gated.
- 12-month roadmap sequenced: policy → inventory → pilots → scale.
- Board one-pager attached for August 21 vote.
- AI COE framework (
10-ai-coe-framework.html) — operating model, 90-day launch plan, $57K standing budget.
Board vote summary
| Item | Recommendation |
|---|---|
| Journey fee | Approve (net $20K after credits) |
| Year 1 AI program | Approve up to $265K |
| Pilot 1 (BSA/AML) | Green-light pending policy adoption |
| Pilot 2 (Copilot) | Green-light pending policy adoption |
Next steps
| Owner | Action | By |
|---|---|---|
| Patricia Chen, CEO | Present board one-pager | Aug 21 |
| Linda Park, CLO | Finalize AI policy for board ratification | Aug 30 |
| James Wu, CIO | Issue Copilot pilot RFP | Sep 15 |
| Diane Foster, BSA | Verafin scoping kickoff | Sep 1 |
This same-day readout accompanies the full Strategy Package. All Compass artifacts remain in the portal.
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