Charlie's Blog

Our New Office

After months of planning and logistics, we successfully moved our Providence team into a new office building at 15 Park Row West. It's a great location right next to the train station, across the street from the mall, and adjacent to the Providence River basin and the heart of Waterfire. It's only a five minute walk from our old offices but feels like a different world. 

Why did we move? First of all, we had outgrown our past offices to the point where we were split between two different buildings in several different floors and suites. We wanted to be in a single space where teams could collaborate more freely. Secondly, we wanted to be closer to the train station so that Boston-area commuters could have the easiest commute of their careers (Back Bay, South Station, or any commuter rail station directly to our front door). Thirdly, we wanted to be in a building with lots of expansion space so we knew we'd have room to grow.

There were a few guiding principles we used to design our new space. The days of being tethered to a hardwired desktop computer are long over, and work is much more mobile now. We've chosen to prioritize common space and meeting rooms over private offices or high-walled cubes. Our workstations are 5x2' desks with low dividers to encourage collaboration, and we've got lots of open space with lounge chairs, open meeting tables, and wi-fi with tons of bandwidth so employees can take their laptops or iPads and work any way they're comfortable. In fact, I'm sitting in a lounge chair right now overlooking the Rhode Island State House (see picture below of the view). We've also got lots of small huddle rooms with space for small meetings or phone calls for when employees need privacy. And these principles apply to everyone - not even the big shots have private offices.

Here are some pictures from our first day:

Photo Nov 28, 8 44 02 AM
Lounge area integrated with team workstations 

Photo Nov 28, 8 44 21 AM
Example of team bullpen (still unpacking!)

Photo Nov 28, 8 45 31 AM
Another lounge area (still waiting on some furniture)

Photo Nov 28, 9 41 42 AM
More team bullpens and workstations

Statehouse View
The view from our front windows (with the help of an Instagram filter)

Andera Acquires oFlows

Today we announced that Andera has acquired oFlows. You can see the press release here, and also watch the webinar where we provided more information on the strategy and combined offerings. In the meantime, I wanted to provide some background on why this makes so much sense and why we're so excited about it.

It's all about convergence. More and more, financial institutions want a single system to manage their origination process for all products and all channels. A single system means convenience for the institution, its staff, and their end customer, all of whom want a consistent and seamless experience. The days of separate systems for account opening and loan origination, or online versus branch origination, are numbered.

It's all about mobile. Mobile is huge and until now it hasn't been entirely clear what role it would play in the account origination process. Will consumers fill out applications on mobile devices? Maybe. And until now that's been just about the extent of mobile innovation in account opening. But oFlows thought about the problem in a new way and is pioneering an approach that inserts the mobile device into specific points in the origination process where it actually helps, by taking advantage of native mobile capabilities. Imagine applying for a loan online or in the branch, but switching seamlessly to your mobile device to sign your disclosures or take a picture of your supporting documentation? Or imagine if you walk into a branch and the staff member hands you an iPad while following your progress live on their desktop? Mobile is not just about a new channel, it's about how it interacts with other channels and makes life easier in new and unique ways. 

It's all about paper. Even with all the advances in origination technology and electronic signatures, there's still a crazy amount of paper that goes back and forth in the application and underwriting process, especially for loans. Even after accounts are opened, packages get mailed, scanned, and archived. There are even whole industries of signature pad vendors and imaging system vendors dedicated to digitizing paper files. And once again, oFlows has thought about all this in new and unique ways, and established that the best way to take the paper out of the origination process is by not creating it in the first place.

It's all about people. The oFlows team is incredibly talented and experienced, and by joining Andera will create the strongest product development team in the financial technology industry. We have so much confidence in them that we have asked Scott Pitts (oFlows CEO) and Rajesh Jayaraman (oFlows CTO) to join our senior management team as Chief Product Officer and Chief Technology Officer, both reporting directly to me. And we will be expanding our new offices in San Francisco and New York.

What's next? No changes immediately as we work to bring together the products. oFlows products are available immediately to all Andera customers and we will provide more detail on our Webinar on November 1. As always, thank you to our customers and supporters for using our products and helping us make them better. We are very excited about the future and I hope you are too.

Recent Press

Check out some nice mentions for Andera in the press recently:

  • Front page Providence Journal article ( article)
  • TV Interview on WPRI's Newsmakers ( video starts around 15:00)

BankSimple

We're thrilled to become part of the customer experience revolution that's brewing at BankSimple (see their blog post and our press release from today). It's exactly the kind of innovation that we wanted to drive when we exposed our account opening system as a development platform. We'll be powering the application and funding risk management components of their online application, staying behind the scenes so they can tightly control their user experience and integration with the rest of their online banking experience. They're still under wraps but we're as excited as everyone else to see what they've got cooking.

Andera's own Renee Chicoine was published today in the Credit Union Times arguing why a financial institution's risk management team should buy into online account opening. Read the full article.

I've become very excited about opportunities to leverage the power of our 500+ customer network. FortiFI is a great example of how we're doing that, and we've also started tapping the Network on behalf of clients to help them be more successful with online account opening through data and best practices. The research that’s out there today about online account openers is generally survey based, while ours is direct observation of actual online account openers. The ground truth.

Next week, we'll hold a Webinar to unveil some initial findings that many will find interesting, and the invite is below. Expect a lot more as we dive into insights based on demographics, product types, regional markets, institution type, etc.

In the last year, we have processed millions of online account applications for over 500 institutions. Recently, we studied consumers who applied online to learn what separates them from the general population--and even we were a little surprised by the results. Did you know that Online Account Openers are much more likely than their peers to be interested in cooking, dogs, travel, and...gambling?
 OAO profile
Wait until you see what else we learned about their wealth and income… The research shows that online account checking account openers are, indeed, a unique and valuable group of consumers--that you can target. Interested in learning more?
Register Now for the Webinar!
In Search of Online Account Openers
Tuesday, June 21 at 2 pm ET

FortiFI featured by NetBanker

NetBanker had a nice write up this morning on FortiFI - check it out here.

FortiFI - The Official Announcement

Today we officially announced FortiFI, the latest addition to our suite of customer acquisition solutions for financial institutions (view press release here). FortiFI is a new kind of fraud prevention system that uses real-time data patterns to stop online account opening fraud before it's too late, and fills a gap in the market we've observed directly through experience and customer feedback.

In a nutshell, the idea is that our 500+ financial institution customers represent a significant portion of the banks and credit unions who open accounts online today, which gives us an incredible look down into application patterns that are only visible at wide scale.

For example, let's say a fraud ring steals a victim's credit file, and uses it to apply for checking accounts at a number of different financial institutions with the intent of overdrawing them or utilizing pre-approved loans. The individual banks take the losses, report the identity to the credit bureaus, and by then the fraud ring is on to the next victim.

FortiFI is able to intervene early on, before most banks get hit – when it sees patterns representing elements of common identities or usage patterns multiple times across our customer base, it is able to flag subsequent applications in real time and quarantine them before they get through. Of course sophisticated fraud rings use patterns that are more complex than a common identity, and the beauty of FortiFI is that it is tuned to pick up on subtleties, learns over time, and adapts to emerging patterns automatically as the fraudsters evolve.

FortiFI will be pre-integrated with our account opening platform, as well as available independently through an API within our developer platform so that financial institutions using home-grown or competitive account opening systems can integrate with it seamlessly.

Introducing FortiFI

Tomorrow at 2:00 EST, we'll be unveiling FortiFI, Andera's new fraud prevention service for online account opening. During this free Webinar event, Andrea Hunter from our product team will be introducing the product and its unique capabilities to reduce fraud by leveraging our network of 500+ financial institution customers.

Click here for the registration link: 

Growth Is Hard (Part 4)

Back in 2008, I wrote a series of posts called Growth Is Hard in which I put some context around the growing pains we were experiencing at the time. You can see the posts here, here, and here. At the time, we had grown quickly from 50 to 200 clients, and from 20 to 50 employees, and for a few months experienced some well-publicized capacity (both system and support) issues that thankfully were resolved.

Since then, we have not been perfect but have generally executed well and grown steadily. Yet here I am writing a new post called Growth Is Hard (Part 4)--so what gives? Several trends have emerged recently which could all be filed in the "good" category. Our pace of customer adoption has increased significantly (see my last post on reaching 500 customers). We are seeing great traction on some new products in the pipeline. Transaction volumes are increasing as a result of an improving economy and financial regulation causing higher levels of bank switching. We have expanded our team significantly with world-class people. All good, right?

In the long term, absolutely. But in the short term, we are going through some growing pains again. Some clients have experienced several brief periods of downtime over the past few months, including two partial outages on March 29th. Over the same period, our turnaround times on certain implementation and support projects have increased, in some cases to frustrating and frankly unacceptable levels. We've seen this movie before and should have recognized the signs earlier--always easier in hindsight--so I wanted to use this forum to describe what's happening and what we're doing about it.

To provide some context, we just reached 500 financial institution customers, and it was only eight months ago that we surpassed 400. To support this type of accelerating growth, we have been making very significant investments in people and infrastructure--for example, we:
  • Are growing our headcount by more than 50% (from 60 to 90+ people), particularly within Client Services and Engineering
  • Made major commitments in our roadmap to configuration tools, scalability, and a modular architecture
  • Recently raised $10.5 million of fresh capital for future investment and to keep our balance sheet strong
  • Are developing tools to turn around common change requests in days or hours; Later this year we will be running a pilot program to put these tools directly into our customers’ hands for instant turnaround
  • Added or promoted several new key managers recently, including Ken Young as VP of Client Services, Fred Engel as Chief Operating Officer, Alayna Cohn as Director of IT, Alex Abramov as Chief Architect, Shawn Brandt as VP Engineering, Jamie Verdi as Director of Account Management, and Suzanne Reynolds as Director of Channel Accounts, all of whom have flawless execution as a primary objective and are focused on this every day.
Based on these steps, we expect steady progress and a return to normal service levels within the next 60 to 90 days, followed by constant improvement to new levels over the course of the year.

I know it's risky to talk about these issues in public and that some will choose to use the information against us. But transparency and trust are key values in our culture and we believe customers prefer knowing the real story and to know there are great people behind the scenes taking the issues seriously and working hard to make things better.

As always, customers and partners are welcome to call me directly at 401.574.4770 any time.

500 Customers!

Today we announced that Salin Bank & Trust in Indianapolis became the 500th bank to select Andera for online account opening (press release here). This is a huge milestone for our team, as it's great validation for the hard work they put in every day, and for our clients, whose customer acquisition platform grows stronger with every financial institution that implements it.

It was only this past June when we passed 400, and once again it's humbling to see the pace of adoption continue to accelerate. Here's an updated summary of how we've grown:

DateCustomer CountElapsed Time
Feb '115008 months
June '1040010 months
Aug '0930015 months
May '0820017 months
Dec '0610045 months

Why are so many financial institutions making the decision to acquire customers online? As this recent WSJ article (featuring a number of Andera customers) points out, the banking landscape is changing rapidly and institutions are looking harder than ever for low cost ways of establishing profitable customer relationships. That happens to be the mission our team is working incredibly hard to deliver on every day, and on their behalf and I want to thank Salin Bank and all of our 500 clients for their trust, support, advocacy, ideas, and occasional patience. We are still just scratching the surface and I'm incredibly excited about what's ahead.

GAC Conference

Andera will be at the GAC Conference this week in DC. If you're planning to attend, be sure to stop by and say hello to Tom Nugent and Susan Moran in booth #121.

One Week Away: Developer Platform Launch

Next week, we'll be making a major announcement about the launch of our developer platform for financial institutions and third parties looking to integrate account opening, risk management, funding, and other capabilities into any type of external applications. Here's the invite to the free Webinar event:

For five years, Andera has been advancing the technology used by hundreds of banks and credit unions for online account opening. Now you can build applications with the same software components that we use:
  • Leverage Andera’s secure, battle-tested web services interfaces for application risk management, funding, fraud prevention, reporting, and more.
  • Enable instant innovation by creating custom online forms, secure ACH and credit card based mobile apps, loan applications for tablets, identity verification and authentication for online stores or gaming, credit score monitoring--think big.
  • Save time and let Andera maintain integrations to core processing systems, OFAC and watchlist checks, ID verification from Equifax and RSA; decisioning through FIS Qualifile® or Equifax Decision Express, and many others.
Interested? Join us on January 20th at 1:00 EDT/10:00 PST for a one hour introduction to Andera’s new Software Development Kit (SDK) and get in our plans to share this technology with innovative developers of financial applications. Get ambitious--we’ll do the heavy lifting.

Register at http://bit.ly/AnderaSDK.

Expanding Our Team

This week we announced we’re expanding our team by 40% to support our rapid growth. We’ve opened up 24 new positions across the company in product development, client services, sales, marketing, and finance. We’re looking for great people with a variety of skills, backgrounds, and experience levels who are passionate about customers and looking to make a difference in a growing, innovative company. A summary of open positions and benefits is available on our careers site, and we want to hear from you – please help us get the word out to any friends or acquaintances that might be interested in applying or learning more.

Forbes Profile

Forbes did a nice profile of Andera in this month's issue highlighting some of our history and future strategy. Check it out here: Andera's Battleplan: Adapt And Conquer.

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