Financial documents and ledgers representing Fiducient's accounting services
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Services

Three specialized accounting disciplines, each developed around the operational realities of regulated financial institutions.

What Fiducient Offers

Each service listed here reflects work that benefits from dedicated, sector-specific expertise. Financial institutions operate within a regulatory environment that demands precision at every step — and accounting practices that aren't calibrated to that environment tend to fall short where it matters most.

Fiducient's services are structured to complement your existing operations: not to replace internal teams, but to bring a level of specialized focus that general accounting firms rarely maintain. Pricing is straightforward; scope is well-defined; and every engagement is shaped around your institution's reporting cycle and regulatory calendar.

Service 01

Bank Reconciliation Services

Comprehensive reconciliation of bank, investment, and custodial accounts on a daily, weekly, or monthly basis. We match transactions between internal records and financial institution statements, investigate and resolve discrepancies, and maintain a documented reconciliation trail. Includes tracking of outstanding items and escalation of aged variances.

Designed for financial institutions, investment firms, and treasury departments that require consistent, auditable reconciliation output aligned with both internal controls and external examination standards.

What This Service Covers

  • Reconciliation of bank, investment, and custodial accounts across daily, weekly, or monthly cycles
  • Transaction matching between internal ledger records and external institution statements
  • Investigation and resolution of identified discrepancies with documented findings
  • Maintained reconciliation trail supporting audit readiness and internal control reviews
  • Tracking of outstanding items with escalation procedures for aged variances

Typically Engaged By

Financial institutions — Investment firms — Treasury departments

Monthly Rate

$2,500

USD / month

Recurring monthly engagement. Scope and cycle frequency confirmed at onboarding.

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Service 02

Engagement Rate

$4,500

USD per engagement

Per-filing engagement. Scope confirmed against your institution's specific regulatory calendar.

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Regulatory Capital Reporting

Preparation of capital adequacy reports and regulatory filings required of banking and financial service entities. We calculate capital ratios, compile call report data, and prepare submissions in accordance with applicable regulatory frameworks. Includes monitoring of changing requirements and pre-submission review procedures.

Suitable for community banks, credit unions, and fintech companies with banking charters that need rigorous capital reporting support without maintaining a dedicated regulatory team year-round.

What This Service Covers

  • Capital adequacy reports prepared in accordance with applicable regulatory frameworks
  • Capital ratio calculations covering Tier 1, Tier 2, and total capital as required
  • Call report data compilation and filing preparation for applicable periods
  • Pre-submission review procedures to identify data inconsistencies before filing
  • Monitoring of regulatory changes that may affect your institution's reporting obligations

Typically Engaged By

Community banks — Credit unions — Fintech companies with banking charters

Service 03

Loan Portfolio Accounting

Accounting and reporting for lending portfolios including origination recording, interest accrual, payment application, and allowance-for-loss calculations. We maintain loan-level records that support both financial reporting and regulatory examination.

Monthly reports include portfolio summaries, delinquency tracking, and yield analysis. Designed for lending institutions, credit funds, and marketplace lending platforms that need a reliable accounting layer beneath their loan operations.

What This Service Covers

  • Loan origination recording and initial journal entry preparation at the loan level
  • Interest accrual calculations and payment application across the full loan lifecycle
  • Allowance-for-loss calculations aligned with applicable accounting standards
  • Monthly portfolio summaries including delinquency tracking and yield analysis
  • Loan-level records maintained to support regulatory examination and financial reporting

Typically Engaged By

Lending institutions — Credit funds — Marketplace lending platforms

Monthly Rate

$3,000

USD / month

Recurring monthly engagement. Portfolio scope and reporting format established at onboarding.

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Service Summary

A consolidated view of Fiducient's three service areas and their respective pricing structures.

Service Pricing

Bank Reconciliation Services

Service 01

$2,500

USD / month

Regulatory Capital Reporting

Service 02

$4,500

USD per engagement

Loan Portfolio Accounting

Service 03

$3,000

USD / month

All prices in USD. Scope and frequency confirmed at onboarding. Contact us to discuss your institution's requirements.

How an Engagement Begins

Starting with Fiducient is a structured, straightforward process. No ambiguity, no open-ended commitments.

01

Initial Inquiry

Reach out via the contact form with your institution type and the service you're exploring.

02

Scope Review

We review your current processes and reporting needs to confirm that the service is an appropriate fit.

03

Onboarding

Reporting calendars, data access protocols, and escalation procedures are established before any work begins.

04

Ongoing Delivery

Work proceeds according to your reporting cycle, with documentation maintained throughout.

Have Questions About a Service?

If you'd like to understand how a specific service applies to your institution's situation, we're available to discuss it without pressure or formality.

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