Regional bank scaling compliance automation and loan origination technology
City National Bank of Florida operates a $26B+ asset regional bank with a finance-heavy org (55 finance roles vs. 2 engineering) and an active modernization roadmap spanning legacy system upgrades, AI/ML-driven fraud detection, and document digitization. The tech stack reveals a traditional banking infrastructure (nCino, Encompass, Misys, Experian, LexisNexis) paired with emerging automation tooling (Terraform, Ansible, Python) — signaling a push to reduce manual compliance and loan processing overhead while managing deposit and referral growth pressure.
Notable leadership hires: Fraud Director
City National Bank of Florida is a community-focused regional bank headquartered in Coral Gables and serving South Florida through Central Florida. A subsidiary of Chilean bank Banco de Credito e Inversiones, CNBFL operates with local decision-making and offers personal banking, corporate banking, residential mortgages, commercial real estate lending, private client services, and treasury management. The bank manages over $26 billion in assets and competes on specialized lending (jumbo loans, real estate, foreign national mortgages) alongside retail and business deposit products.
Core tools include nCino and Encompass for loan origination, Misys and SQL Server for banking operations, Salesforce and Salesforce Marketing Cloud for customer engagement, DocuSign for document automation, and Terraform/Ansible for infrastructure. Security and compliance rely on LexisNexis, Experian, and Jira-based workflows.
Active projects include legacy system modernization, AI/ML-driven fraud detection, real-time compliance dashboards, loan origination system upgrades, document digitization, treasury management platform development, and enterprise-wide credit risk assessment tooling.
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