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118                                <div class="max-w-7xl mx-auto flex">
119            <div class="w-80 bg-gray-50 border-r border-gray-200 py-8">
120                <h3 class="px-6 text-xs font-bold text-gray-500 uppercase tracking-wider mb-4">Explore Our Products &amp; Services</h3>
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122                                            <button class="w-full px-4 py-4 text-left text-sm font-semibold transition-colors flex items-start gap-3 rounded-lg text-white bg-[#206ea9] shadow-md product-btn" data-product="predict360" data-product-active="true">
123                            <span class="w-6 h-6 flex items-center justify-center flex-shrink-0 mt-0.5"><svg class="w-6 h-6" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M9 12l2 2 4-4m5.618-4.016A11.955 11.955 0 0112 2.944a11.955 11.955 0 01-8.618 3.04A12.02 12.02 0 003 9c0 5.591 3.824 10.29 9 11.622 5.176-1.332 9-6.03 9-11.622 0-1.042-.133-2.052-.382-3.016z"></path></svg></span>                            <div class="flex-1">
124                                <div class="font-semibold">PREDICT360</div>
125                                                                    <div class="text-xs font-normal mt-1 leading-relaxed text-white/90">
126                                        Predict and Mitigate Operational Risk While Streamlining Regulatory Compliance                                    </div>
127                                                            </div>
128                        </button>
129                                                <button class="w-full px-4 py-4 text-left text-sm font-semibold transition-colors flex items-start gap-3 rounded-lg text-gray-700 bg-white border border-gray-200 product-btn" data-product="kaia">
130                            <span class="w-6 h-6 flex items-center justify-center flex-shrink-0 mt-0.5"><svg class="w-6 h-6" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M8 10h.01M12 10h.01M16 10h.01M9 16H5a2 2 0 01-2-2V6a2 2 0 012-2h14a2 2 0 012 2v8a2 2 0 01-2 2h-5l-5 5v-5z"></path></svg></span>                            <div class="flex-1">
131                                <div class="font-semibold">ASK KAIA</div>
132                                                                    <div class="text-xs font-normal mt-1 leading-relaxed text-gray-600">
133                                        Get instant, regulation-specific answers, draft policies and procedures, map policies to citations, and more – all in one dedicated app. No GRC required.                                    </div>
134                                                            </div>
135                        </button>
136                                                <button class="w-full px-4 py-4 text-left text-sm font-semibold transition-colors flex items-start gap-3 rounded-lg text-gray-700 bg-white border border-gray-200 product-btn" data-product="lumify360">
137                            <span class="w-6 h-6 flex items-center justify-center flex-shrink-0 mt-0.5"><svg class="w-6 h-6" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M9 19v-6a2 2 0 00-2-2H5a2 2 0 00-2 2v6a2 2 0 002 2h2a2 2 0 002-2zm0 0V9a2 2 0 012-2h2a2 2 0 012 2v10m-6 0a2 2 0 002 2h2a2 2 0 002-2m0 0V5a2 2 0 012-2h2a2 2 0 012 2v14a2 2 0 01-2 2h-2a2 2 0 01-2-2z"></path></svg></span>                            <div class="flex-1">
138                                <div class="font-semibold">LUMIFY360</div>
139                                                                    <div class="text-xs font-normal mt-1 leading-relaxed text-gray-600">
140                                        Lumify360 is Your All-in-One Enterprise Data and Predictive Analytics Solution                                    </div>
141                                                            </div>
142                        </button>
143                                                <button class="w-full px-4 py-4 text-left text-sm font-semibold transition-colors flex items-start gap-3 rounded-lg text-gray-700 bg-white border border-gray-200 product-btn" data-product="services">
144                            <span class="w-6 h-6 flex items-center justify-center flex-shrink-0 mt-0.5"><svg class="w-6 h-6" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M21 13.255A23.931 23.931 0 0112 15c-3.183 0-6.22-.62-9-1.745M16 6V4a2 2 0 00-2-2h-4a2 2 0 00-2 2v2m4 6h.01M5 20h14a2 2 0 002-2V8a2 2 0 00-2-2H5a2 2 0 00-2 2v10a2 2 0 002 2z"></path></svg></span>                            <div class="flex-1">
145                                <div class="font-semibold">SERVICES</div>
146                                                                    <div class="text-xs font-normal mt-1 leading-relaxed text-gray-600">
147                                        Helping Your Team Achieve Peak Performance Through Support and Guidance                                    </div>
148                                                            </div>
149                        </button>
150                                        </nav>
151            </div>
152            
153            <div class="flex-1 p-8 product-content-area" data-product-content-area="true">
154                                        <div data-product-content="predict360" style="display: block;">
155                                                                <div class="mb-6">
156                                        <h3 class="text-sm font-bold text-gray-900 uppercase tracking-wide flex items-center gap-2">
157                                            <span class="w-6 h-6 flex items-center justify-center flex-shrink-0 mt-0.5"><svg class="w-6 h-6" fill="none" stroke="currentColor" viewBox="0 0 24 24">
157<path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M9 12l2 2 4-4m5.618-4.016A11.955 11.955 0 0112 2.944a11.955 11.955 0 01-8.618 3.04A12.02 12.02 0 003 9c0 5.591 3.824 10.29 9 11.622 5.176-1.332 9-6.03 9-11.622 0-1.042-.133-2.052-.382-3.016z"></path></svg></span>                                            <span>Predict360: Integrated Risk and Compliance Management Software</span>
158                                        </h3>
159                                                                                    <div class="text-sm text-gray-600 leading-relaxed mt-3">
160                                                <p class="mb-4">Capture and transform complex risk and compliance data into actionable insights that lead to exceptional outcomes.</p>                                            </div>
161                                                                            </div>
162                                                        <div class="mb-8">
163                        <div class="bg-gradient-to-r from-[#206ea9]/10 via-blue-50/80 to-transparent -mx-8 px-8 py-3 mb-4 border-l-4 border-[#206ea9] relative overflow-hidden">
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166                                <span class="w-1.5 h-1.5 rounded-full bg-[#206ea9]"></span>
167                                <a href="https://www.360factors.com/predict-360/" class="hover:text-[#206ea9]">Predict360 GRC Platform</a>
168                            </h4>
169                        </div>
170                        <div class="grid grid-cols-3 gap-x-8 gap-y-4">
171                    </div></div>                    <div class="mb-8">
172                        <div class="bg-gradient-to-r from-[#206ea9]/10 via-blue-50/80 to-transparent -mx-8 px-8 py-3 mb-4 border-l-4 border-[#206ea9] relative overflow-hidden">
173                            <div class="absolute right-0 top-0 bottom-0 w-32 bg-gradient-to-l from-white/50 to-transparent"></div>
174                            <h4 class="text-xs font-bold text-gray-900 uppercase tracking-wider flex items-center gap-2 relative">
175                                <span class="w-1.5 h-1.5 rounded-full bg-[#206ea9]"></span>
176                                <a href="https://www.360factors.com/enterprise-risk-management-software/" class="hover:text-[#206ea9]">Risk Management</a>
177                            </h4>
178                        </div>
179                        <div class="grid grid-cols-3 gap-x-8 gap-y-4">
180                                        <a href="https://www.360factors.com/risk-control-self-assessments/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
181                        Risk Management and Assessments                    </a>
182                                        <a href="https://www.360factors.com/predict360-risk-insights/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
183                        Risk Insights                    </a>
184                                        <a href="https://www.360factors.com/issues-incidents-management/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
185                        Issues Management                    </a>
186                                        <a href="https://www.360factors.com/peer-insights/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
187                        Peer Insights                    </a>
188                                        <a href="https://www.360factors.com/vendor-risk-management/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
189                        TPRM Lite                    </a>
190                                        <a href="https://www.360factors.com/third-party-risk-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
191                        TPRM Pro                    </a>
192                                        <a href="https://www.360factors.com/audit-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
193                        Internal Audit and Findings Management                    </a>
194                                        <a href="https://www.360factors.com/it-risk-assessment-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
195                        IT Risk Assessments                    </a>
196                                        <a href="https://www.360factors.com/quarterly-certifications-attestations/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
197                        Quarterly Certifications and Attestations                    </a>
198                    </div></div>                    <div class="mb-8">
199                        <div class="bg-gradient-to-r from-[#206ea9]/10 via-blue-50/80 to-transparent -mx-8 px-8 py-3 mb-4 border-l-4 border-[#206ea9] relative overflow-hidden">
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202                                <span class="w-1.5 h-1.5 rounded-full bg-[#206ea9]"></span>
203                                <a href="https://www.360factors.com/compliance-management-system/" class="hover:text-[#206ea9]">Compliance Management</a>
204                            </h4>
205                        </div>
206                        <div class="grid grid-cols-3 gap-x-8 gap-y-4">
207                                        <a href="https://www.360factors.com/compliance-monitoring-testing/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
208                        Compliance Monitoring &amp; Testing                    </a>
209                                        <a href="https://www.360factors.com/complaints-management/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
210                        Complaints Management                    </a>
211                                        <a href="https://www.360factors.com/regulatory-change-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
212                        Regulatory Change Management                    </a>
213                                        <a href="https://www.360factors.com/policy-procedure-management/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
214                        Policy &amp; Procedure Management                    </a>
215                                        <a href="https://www.360factors.com/third-party-governance/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
216                        Third Party &amp; FinTech Partner Compliance                    </a>
217                                        <a href="https://www.360factors.com/marketing-ad-review-application/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
218                        Marketing Ad Review Application                    </a>
219                                        <a href="https://www.360factors.com/regulatory-examination-findings-management/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
220                        Regulatory Examinations and Findings Management                    </a>
221                    </div></div>                    <div class="mb-8">
222                        <div class="bg-gradient-to-r from-[#206ea9]/10 via-blue-50/80 to-transparent -mx-8 px-8 py-3 mb-4 border-l-4 border-[#206ea9] relative overflow-hidden">
223                            <div class="absolute right-0 top-0 bottom-0 w-32 bg-gradient-to-l from-white/50 to-transparent"></div>
224                            <h4 class="text-xs font-bold text-gray-900 uppercase tracking-wider flex items-center gap-2 relative">
225                                <span class="w-1.5 h-1.5 rounded-full bg-[#206ea9]"></span>
226                                <a href="https://www.360factors.com/products/predict360-essentials/" class="hover:text-[#206ea9]">Predict360 Essentials: Risk &amp; Issue Management for Community FIs</a>
227                            </h4>
228                        </div>
229                        <div class="grid grid-cols-3 gap-x-8 gap-y-4">
230                    </div></div>            <div class="mt-8">
231                <a href="https://www.360factors.com/predict-360/" class="factor-nav-cta">
232                    Request Demo                </a>
233            </div>
234                                    </div>
235                                                <div data-product-content="kaia" style="display: none;">
236                                                                <div class="mb-6">
237                                        <h3 class="text-sm font-bold text-gray-900 uppercase tracking-wide flex items-center gap-2">
238                                            <span class="w-6 h-6 flex items-center justify-center flex-shrink-0 mt-0.5"><svg class="w-6 h-6" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M8 10h.01M12 10h.01M16 10h.01M9 16H5a2 2 0 01-2-2V6a2 2 0 012-2h14a2 2 0 012 2v8a2 2 0 01-2 2h-5l-5 5v-5z"></path></svg></span>
238                                            <span>Ask Kaia: AI Compliance App for Financial Institutions</span>
239                                        </h3>
240                                                                                    <div class="text-sm text-gray-600 leading-relaxed mt-3">
241                                                <p class="mb-4">Ask Kaia helps your compliance team save time, reduce manual effort, and stay ahead of regulatory changes — all in a secure, bank-grade environment.</p><p class="mb-4">Get instant, regulation-specific answers, draft policies and procedures, map policies to citations, and more - all in one dedicated app. No GRC required.</p>                                            </div>
242                                                                            </div>
243                                                <div class="grid grid-cols-3 gap-x-8 gap-y-4 mb-8">
244                                    <a href="https://www.360factors.com/products/kaia-ai-compliance-expert/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
245                        Ask Kaia: AI Compliance App for Financial Institutions                    </a>
246                            </div>
247                        <div class="mt-8">
248                <a href="https://www.360factors.com/products/kaia-ai-compliance-expert/" class="factor-nav-cta">
249                    Request Demo                </a>
250            </div>
251                                    </div>
252                                                <div data-product-content="lumify360" style="display: none;">
253                                                                <div class="mb-6">
254                                        <h3 class="text-sm font-bold text-gray-900 uppercase tracking-wide flex items-center gap-2">
255                                            <span class="w-6 h-6 flex items-center justify-center flex-shrink-0 mt-0.5"><svg class="w-6 h-6" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M9 19v-6a2 2 0 00-2-2H5a2 2 0 00-2 2v6a2 2 0 002 2h2a2 2 0 002-2zm0 0V9a2 2 0 012-2h2a2 2 0 012 2v10m-6 0a2 2 0 002 2h2a2 2 0 002-2m0 0V5a2 2 0 012-2h2a2 2 0 012 2v14a2 2 0 01-2 2h-2a2 2 0 01-2-2z"></path></svg></span>                                            <span>Lumify360: Data Platform &amp; Analytics Software</span>
256                                        </h3>
257                                                                                    <div class="text-sm text-gray-600 leading-relaxed mt-3">
258                                                <p class="mb-4">Lumify360 helps mid-market organizations predict business performance by unifying siloed data into a governed, AI-assisted analytics platform that turns real-time insights into confident, everyday decisions.</p>                                            </div>
259                                                                            </div>
260                                                        <div class="mb-8">
261                        <div class="bg-gradient-to-r from-[#206ea9]/10 via-blue-50/80 to-transparent -mx-8 px-8 py-3 mb-4 border-l-4 border-[#206ea9] relative overflow-hidden">
262                            <div class="absolute right-0 top-0 bottom-0 w-32 bg-gradient-to-l from-white/50 to-transparent"></div>
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264                                <span class="w-1.5 h-1.5 rounded-full bg-[#206ea9]"></span>
265                                <a href="https://www.360factors.com/products/lumify360/" class="hover:text-[#206ea9]">Lumify360 Business Intelligence Platform</a>
266                            </h4>
267                        </div>
268                        <div class="grid grid-cols-3 gap-x-8 gap-y-4">
269                                        <a href="https://www.360factors.com/products/loan-portfolio-insights/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
270                        Loan Portfolio Insights                    </a>
271                                        <a href="https://www.360factors.com/products/customer-insights/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
272                        Customer Insights                    </a>
273                                        <a href="https://www.360factors.com/products/performance-management/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
274                        Performance Management                    </a>
275                                        <a href="https://www.360factors.com/products/fair-lending/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
276                        Fair Lending                    </a>
277                    </div></div>            <div class="mt-8">
278                <a href="https://www.360factors.com/products/lumify360/" class="factor-nav-cta">
279                    Request Demo                </a>
280            </div>
281                                    </div>
282                                                <div data-product-content="services" style="display: none;">
283                                                                <div class="mb-6">
284                                        <h3 class="text-sm font-bold text-gray-900 uppercase tracking-wide flex items-center gap-2">
285                                            <span class="w-6 h-6 flex items-center justify-center flex-shrink-0 mt-0.5"><svg class="w-6 h-6" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M21 13.255A23.931 23.931 0 0112 15c-3.183 0-6.22-.62-9-1.745M16 6V4a2 2 0 00-2-2h-4a2 2 0 00-2 2v2m4 6h.01M5 20h14a2 2 0 002-2V8a2 2 0 00-2-2H5a2 2 0 00-2 2v10a2 2 0 002 2z"></path></svg></span>                                            <span>Services</span>
286                                        </h3>
287                                                                                    <div class="text-sm text-gray-600 leading-relaxed mt-3">
288                                                <p class="mb-4">Helping Your Team Achieve Peak Performance Through Support and Guidance</p>                                            </div>
289                                                                            </div>
290                                                        <div class="mb-8">
291                        <div class="bg-gradient-to-r from-[#206ea9]/10 via-blue-50/80 to-transparent -mx-8 px-8 py-3 mb-4 border-l-4 border-[#206ea9] relative overflow-hidden">
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294                                <span class="w-1.5 h-1.5 rounded-full bg-[#206ea9]"></span>
295                                <a href="#" class="hover:text-[#206ea9]">Consulting &amp; Content</a>
296                            </h4>
297                        </div>
298                        <div class="grid grid-cols-3 gap-x-8 gap-y-4">
299                                        <a href="https://www.360factors.com/services/aba-risk-library/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
300                        ABA Risk Library                    </a>
301                                        <a href="https://www.360factors.com/services/temenos/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
302                        Temenos Templates and Advisory Services                    </a>
303                                        <a href="https://www.360factors.com/services/content-plugin-options/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
304                        Content Plug-in Options                    </a>
305                                        <a href="https://www.360factors.com/services/community-based-libraries-content/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
306                        Community-Based  Libraries and Content                    </a>
307                                        <a href="https://www.360factors.com/services/crowe/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
308                        Crowe Risk, Control &amp; Testing Scripts Library                    </a>
309                    </div></div>                    <div class="mb-8">
310                        <div class="bg-gradient-to-r from-[#206ea9]/10 via-blue-50/80 to-transparent -mx-8 px-8 py-3 mb-4 border-l-4 border-[#206ea9] relative overflow-hidden">
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313                                <span class="w-1.5 h-1.5 rounded-full bg-[#206ea9]"></span>
314                                <a href="#" class="hover:text-[#206ea9]">Implementation</a>
315                            </h4>
316                        </div>
317                        <div class="grid grid-cols-3 gap-x-8 gap-y-4">
318                                        <a href="https://www.360factors.com/services/platform-application-implementation/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
319                        Platform &amp; Application Implementation                    </a>
320                                        <a href="https://www.360factors.com/services/support/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
321                        Services &amp; Support                    </a>
322                    </div></div>                    <div class="mb-8">
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326                                <span class="w-1.5 h-1.5 rounded-full bg-[#206ea9]"></span>
327                                <a href="#" class="hover:text-[#206ea9]">Training</a>
328                            </h4>
329                        </div>
330                        <div class="grid grid-cols-3 gap-x-8 gap-y-4">
331                                        <a href="https://www.360factors.com/services/fis-global/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
332                        FIS Global: FIS Regulatory University Training Classes                    </a>
333                                        <a href="https://www.360factors.com/services/aba-training-certifications/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
334                        ABA Training &amp; Certifications                    </a>
335                    </div></div>                        </div>
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352                        <span class="w-1.5 h-1.5 rounded-full bg-[#206ea9]"></span>
353                        Solutions                    </h4>
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355                <div class="grid grid-cols-3 gap-x-8 gap-y-4">
356                                            <a href="https://www.360factors.com/regulatory-compliance-management/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
357                            Regulatory Compliance Management                        </a>
358                                            <a href="https://www.360factors.com/enterprise-risk-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
359                            Integrated Risk Management                        </a>
360                                            <a href="https://www.360factors.com/third-party-risk-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
361                            Third-Party Risk Management Software                        </a>
362                                            <a href="https://www.360factors.com/grc/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
363                            Integrated GRC Platform                        </a>
364                                            <a href="https://www.360factors.com/compliance-management-system/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
365                            Compliance Program Management                        </a>
366                                            <a href="https://www.360factors.com/fair-lending-risk-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
367                            Fair Lending Solutions                        </a>
368                                            <a href="https://www.360factors.com/generative-ai-risk-compliance-analytics/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
369                            Generative AI for Risk, Compliance, and Analytics                        </a>
370                                            <a href="https://www.360factors.com/autoaudit/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
371                            Empowered Systems AutoAudit                        </a>
372                                    </div>
373            </div>
374        </div>
375                            </div>
376                </div>
377                                <div class="relative group nav-item" data-nav-item="industries">
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387                    <div class="absolute right-0 top-0 bottom-0 w-32 bg-gradient-to-l from-white/50 to-transparent"></div>
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389                        <span class="w-1.5 h-1.5 rounded-full bg-[#206ea9]"></span>
390                        Industries                    </h4>
391                </div>
392                <div class="grid grid-cols-3 gap-x-8 gap-y-4">
393                                            <a href="https://www.360factors.com/industry-solutions/bank-risk-compliance-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
394                            Banks                        </a>
395                                            <a href="https://www.360factors.com/industry-solutions/credit-unions-risk-compliance-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
396                            Credit Unions                        </a>
397                                            <a href="https://www.360factors.com/industry-solutions/financial-risk-compliance-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
398                            Financial Services                        </a>
399                                            <a href="https://www.360factors.com/industry-solutions/fintech-risk-compliance-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
400                            Fintech                        </a>
401                                            <a href="https://www.360factors.com/industry-solutions/mortgage-risk-compliance-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
402                            Mortgage Bankers                        </a>
403                                            <a href="https://www.360factors.com/industry-solutions/money-services-risk-compliance-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
404                            Money Service Businesses                        </a>
405                                            <a href="https://www.360factors.com/industry-solutions/insurance-risk-compliance-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
406                            Insurance                        </a>
407                                            <a href="https://www.360factors.com/industry-solutions/investment-wealth-risk-compliance-management-software/" class="text-sm font-normal text-gray-900 hover:text-[#206ea9]">
408                            Investment/Wealth Management                        </a>
409                                    </div>
410            </div>
411        </div>
412                            </div>
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421                                <div class="max-w-7xl mx-auto flex">
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443                        Resources                    </h4>
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451                            About Us                        </a>
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482            <div class="py-2">
483                                    <a href="https://apps.360factors.com/predict360/login.do" class="block px-4 py-2 text-sm text-gray-700 hover:bg-gray-50 hover:text-[#206ea9]">
484                        Predict360                    </a>
485                                    <a href="https://ask-kaia.360factors.com/login" class="block px-4 py-2 text-sm text-gray-700 hover:bg-gray-50 hover:text-[#206ea9]">
486                        Ask Kaia                    </a>
487                                    <a href="https://apps.360factors.com/predict360/login.do" class="block px-4 py-2 text-sm text-gray-700 hover:bg-gray-50 hover:text-[#206ea9]">
488                        Lumify360                    </a>
489                            </div>
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493                    Request Demo                </a>
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515                                <a href="https://www.360factors.com/predict-360/" class="block py-2 text-sm font-bold text-gray-900 uppercase tracking-wider mobile-section-link">
516                    Predict360 GRC Platform                </a>
517                                <a href="https://www.360factors.com/enterprise-risk-management-software/" class="block py-2 text-sm font-bold text-gray-900 uppercase tracking-wider mobile-section-link">
518                    Risk Management                </a>
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520                                Risk Management and Assessments                            </a>
521                                                        <a href="https://www.360factors.com/predict360-risk-insights/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
522                                Risk Insights                            </a>
523                                                        <a href="https://www.360factors.com/issues-incidents-management/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
524                                Issues Management                            </a>
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526                                Peer Insights                            </a>
527                                                        <a href="https://www.360factors.com/vendor-risk-management/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
528                                TPRM Lite                            </a>
529                                                        <a href="https://www.360factors.com/third-party-risk-management-software/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
530                                TPRM Pro                            </a>
531                                                        <a href="https://www.360factors.com/audit-management-software/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
532                                Internal Audit and Findings Management                            </a>
533                                                        <a href="https://www.360factors.com/it-risk-assessment-software/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
534                                IT Risk Assessments                            </a>
535                                                        <a href="https://www.360factors.com/quarterly-certifications-attestations/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
536                                Quarterly Certifications and Attestations                            </a>
537                                            <a href="https://www.360factors.com/compl
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538                    Compliance Management                </a>
539                                            <a href="https://www.360factors.com/compliance-monitoring-testing/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
540                                Compliance Monitoring &amp; Testing                            </a>
541                                                        <a href="https://www.360factors.com/complaints-management/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
542                                Complaints Management                            </a>
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544                                Regulatory Change Management                            </a>
545                                                        <a href="https://www.360factors.com/policy-procedure-management/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
546                                Policy &amp; Procedure Management                            </a>
547                                                        <a href="https://www.360factors.com/third-party-governance/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
548                                Third Party &amp; FinTech Partner Compliance                            </a>
549                                                        <a href="https://www.360factors.com/marketing-ad-review-application/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
550                                Marketing Ad Review Application                            </a>
551                                                        <a href="https://www.360factors.com/regulatory-examination-findings-management/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
552                                Regulatory Examinations and Findings Management                            </a>
553                                            <a href="https://www.360factors.com/products/predict360-essentials/" class="block py-2 text-sm font-bold text-gray-900 uppercase tracking-wider mobile-section-link">
554                    Predict360 Essentials: Risk &amp; Issue Management for Community FIs                </a>
555                                <a href="https://www.360factors.com/predict-360/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
556                    Request Demo                </a>
557                            </div>
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565                                <a href="https://www.360factors.com/products/kaia-ai-compliance-expert/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
566                    Ask Kaia: AI Compliance App for Financial Institutions                </a>
567                                <a href="https://www.360factors.com/products/kaia-ai-compliance-expert/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
568                    Request Demo                </a>
569                            </div>
570                        <button class="w-full text-left py-2 text-sm text-gray-600 mobile-product-btn flex items-center justify-between" data-product="lumify360" data-mobile-product="lumify360" aria-expanded="false" type="button">
571                <span>LUMIFY360</span>
572                <svg class="w-3 h-3 text-gray-400 transform transition-transform flex-shrink-0" fill="none" stroke="currentColor" viewBox="0 0 24 24" stroke-width="2.5" xmlns="http://www.w3.org/2000/svg" style="display: block; width: 0.75rem; height: 0.75rem;">
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577                                <a href="https://www.360factors.com/products/lumify360/" class="block py-2 text-sm font-bold text-gray-900 uppercase tracking-wider mobile-section-link">
578                    Lumify360 Business Intelligence Platform                </a>
579                                <a href="https://www.360factors.com/products/loan-portfolio-insights/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
580                    Loan Portfolio Insights                </a>
581                                <a href="https://www.360factors.com/products/customer-insights/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
582                    Customer Insights                </a>
583                                <a href="https://www.360factors.com/products/performance-management/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
584                    Performance Management                </a>
585                                <a href="https://www.360factors.com/products/fair-lending/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
586                    Fair Lending                </a>
587                                <a href="https://www.360factors.com/products/lumify360/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
588                    Request Demo                </a>
589                            </div>
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591                <span>SERVICES</span>
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598                    Consulting &amp; Content                </a>
599                                            <a href="https://www.360factors.com/services/aba-risk-library/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
600                                ABA Risk Library                            </a>
601                                                        <a href="https://www.360factors.com/services/temenos/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
602                                Temenos Templates and Advisory Services                            </a>
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604                                Content Plug-in Options                            </a>
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606                                Community-Based  Libraries and Content                            </a>
607                                                        <a href="https://www.360factors.com/services/crowe/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
608                                Crowe Risk, Control &amp; Testing Scripts Library                            </a>
609                                            <a href="#" class="block py-2 text-sm font-bold text-gray-900 uppercase tracking-wider mobile-section-link">
610                    Implementation                </a>
611                                            <a href="https://www.360factors.com/services/platform-application-implementation/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
612                                Platform &amp; Application Implementation                            </a>
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614                                Services &amp; Support                            </a>
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616                    Training                </a>
617                                            <a href="https://www.360factors.com/services/fis-global/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
618                                FIS Global: FIS Regulatory University Training Classes                            </a>
619                                                        <a href="https://www.360factors.com/services/aba-training-certifications/" class="block py-2 text-sm text-gray-700 hover:text-[#206ea9]">
620                                ABA Training &amp; Certifications                            </a>
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624                    <span>Solutions</span>
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630                                    <a href="https://www.360factors.com/regulatory-compliance-management/" class="block py-2 text-sm text-gray-600">
631                    Regulatory Compliance Management                </a>
632                                <a href="https://www.360factors.com/enterprise-risk-management-software/" class="block py-2 text-sm text-gray-600">
633                    Integrated Risk Management                </a>
634                                <a href="https://www.360factors.com/third-party-risk-management-software/" class="block py-2 text-sm text-gray-600">
635                    Third-Party Risk Management Software                </a>
636                                <a href="https://www.360factors.com/grc/" class="block py-2 text-sm text-gray-600">
637                    Integrated GRC Platform                </a>
638                                <a href="https://www.360factors.com/compliance-management-system/" class="block py-2 text-sm text-gray-600">
639                    Compliance Program Management                </a>
640                                <a href="https://www.360factors.com/fair-lending-risk-management-software/" class="block py-2 text-sm text-gray-600">
641                    Fair Lending Solutions                </a>
642                                <a href="https://www.360factors.com/generative-ai-risk-compliance-analytics/" class="block py-2 text-sm text-gray-600">
643                    Generative AI for Risk, Compliance, and Analytics                </a>
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645                    Empowered Systems AutoAudit                </a>
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655                    Banks                </a>
656                                <a href="https://www.360factors.com/industry-solutions/credit-unions-risk-compliance-management-software/" class="block py-2 text-sm text-gray-600">
657                    Credit Unions                </a>
658                                <a href="https://www.360factors.com/industry-solutions/financial-risk-compliance-management-software/" class="block py-2 text-sm text-gray-600">
659                    Financial Services                </a>
660                                <a href="https://www.360factors.com/industry-solutions/fintech-risk-compliance-management-software/" class="block py-2 text-sm text-gray-600">
661                    Fintech                </a>
662                                <a href="https://www.360factors.com/industry-solutions/mortgage-risk-compliance-management-software/" class="block py-2 text-sm text-gray-600">
663                    Mortgage Bankers                </a>
664                                <a href="https://www.360factors.com/industry-solutions/money-services-risk-compliance-management-software/" class="block py-2 text-sm text-gray-600">
665                    Money Service Businesses                </a>
666                                <a href="https://www.360factors.com/industry-solutions/insurance-risk-compliance-management-software/" class="block py-2 text-sm text-gray-600">
667                    Insurance                </a>
668                                <a href="https://www.360factors.com/industry-solutions/investment-wealth-risk-compliance-management-software/" class="block py-2 text-sm text-gray-600">
669                    Investment/Wealth Management                </a>
670                                </div>
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678                                    <a href="https://www.360factors.com/blog/" class="block py-2 text-sm text-gray-600">
679                    Blog                </a>
680                                <a href="https://www.360factors.com/press-releases/" class="block py-2 text-sm text-gray-600">
681                    News Room                </a>
682                                <a href="https://www.360factors.com/about-us/" class="block py-2 text-sm text-gray-600">
683                    About Us                </a>
684                                <a href="https://www.360factors.com/whitepapers/" class="block py-2 text-sm text-gray-600">
685                    White Papers                </a>
686                                <a href="https://www.360factors.com/partners/" class="block py-2 text-sm text-gray-600">
687                    Partners                </a>
688                                <a href="https://www.360factors.com/webinars/" class="block py-2 text-sm text-gray-600">
689                    Webinars                </a>
690                                <a href="https://www.360factors.com/video-library/" class="block py-2 text-sm text-gray-600">
691                    Video Library                </a>
692                                <a href="https://www.360factors.com/careers/" class="block py-2 text-sm text-gray-600">
693                    Careers                </a>
694                                <a href="https://www.360factors.com/events/" class="block py-2 text-sm text-gray-600">
695                    Events                </a>
696                                <a href="https://www.360factors.com/explore-predict360-benefits-aba-members/" class="block py-2 text-sm text-gray-600">
697                    ABA Member Benefits                </a>
698                                <a href="https://www.360factors.com/contact-us/" class="block py-2 text-sm text-gray-600">
699                    Contact Us                </a>
700                                </div>
701                                <button class="w-full text-left py-3 text-gray-700 font-medium flex items-center justify-between mobile-nav-trigger" data-mobile-nav="login" aria-expanded="false" type="button">
702                    <span>Login</span>
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705                    </svg>
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708                                    <a href="https://apps.360factors.com/predict360/login.do" class="block py-2 text-sm text-gray-600">
709                    Predict360                </a>
710                                <a href="https://ask-kaia.360factors.com/login" class="block py-2 text-sm text-gray-600">
711                    Ask Kaia                </a>
712                                <a href="https://apps.360factors.com/predict360/login.do" class="block py-2 text-sm text-gray-600">
713                    Lumify360                </a>
714                                </div>
715                                <a href="https://www.360factors.com/request-demo/" class="factor-nav-cta">
716                    Request Demo                </a>
717                                </div>
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734
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744                <div class="col8">
745                    	
746                        <div class="bannerContent">
747    <span class="highlighted">Predict360 Essentials</span>
748    <h1 style="font-size:40px !important;">The Right-Sized Risk and Issues Management Solution for Community Banks and Credit Unions</h1>
749    <p style="font-size:26px !important;">Predict360 Essentials to streamlines risk and issues management for community banks and credit unions</p> 
750    </div>                                    </div>      
751                <div class="col4">
752                    	
753                        <div class="bannerform">
754    <h4>Request a Demo</h4>
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789        <!-- Page Content -->
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791<section class="partnerLogosSection paddAdj">
792    <div class="InnerWrapper">
793        <span class="title paraStyle">Customers Using Predict360's AI-Powered Solutions</span>
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795            <div class="partnersLogosSlider">
796
797<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2026/02/img-pcb-bank.jpg" alt="PCB Bank - RSCA,  Reg Change (Reg Room 5 states), CMT&T, RI" /> </div>
798
799<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2026/02/img-bb-americas-bank.jpg" alt="Banco do Brasil Americas - RCSA, Issues, Risk Insights, CM&T, Reg Change, Reg Room" /> </div>
800
801<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2026/09/img-wings-credit-union-logo.jpg" alt="Wings Credit Union" /> </div>
802           
803 <div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2026/02/img-clear-fork-bank.jpg" alt="Clear Fork Bank, National Association - RSCA and Issues Management" /> </div>
804 
805     <div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2026/07/img-logo-manhattan.jpg" alt="MhanhattanLife" /> </div>
806	 
807	  <div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2019/09/img-first-hawaiian-bank.jpg" alt="First Hawaiian Bank" /> </div>
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809	 <div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2022/03/img-harbor-one-logo.jpg" alt="HarborOne Bank" /> </div>
810
811<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2021/10/img-republic-bank-logo.jpg" alt="Republic Bank" /> </div>
812
813<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2021/10/img-choice-bank-logo.jpg" alt="Choice Bank" /> </div>
814
815<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2021/06/img-coastal-logo.jpg" alt="Coastal" /> </div>
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817
818<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2020/04/img-fulton-bank-logo.jpg" alt="Fulton Bank" /> </div>
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820
821 <div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2021/04/img-by-link-logo.jpg" alt="Byline Bank" /> </div>
822
823<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2020/07/img-QCR-holdings-logo.jpg" alt="QCR Holdings" /> </div>
824
825<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2026/02/img-first-help-financial.jpg" alt="First Help Financial - CMS" /> </div>
826
827 <div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2026/02/img-desert-financial.jpg" alt="Desert Financial - Risk & Compliance" /> </div>
828
829<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2026/02/img-sturgis-bank.jpg" alt="Sturgis Bank  - RCSA ,RI, CM&T, IM, Reg Change" /> </div>
830
831<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2026/02/img-pacific-crest-bank.jpg" alt="Pacific Crest Savings Bank - TPRM Prevalent" /> </div>
832
833 <div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2026/02/img-heartland-bank.jpg" alt="Heartland Bank - RCM/Kaia" /> </div>
834 
835 <div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2026/02/img-united-texas-bank.jpg" alt="United Texas Bank - RCSA, CM&T, P&P, RI and IM" /> </div>
836
837	 
838	  <div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2020/03/img-home-trust-bank.jpg" alt="HomeTrust Bank" /> </div>
839
840<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2025/04/img-highlands-logo.jpg" alt="Highlands Mortgage" /> </div>
841                
842                
843
844<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2025/04/img-brigit-logo.jpg" alt="Brigit" /> </div>	
845	
846                
847				 
848
849<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2023/01/img-oriental-logo.jpg" alt="Oriental Bank" /> </div>
850                
851<div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2026/02/img-sovereign-bank.jpg" alt="Sovereign Bank - RCSA, Risk Insights and Isssues Management" /> </div>
852
853                
854
855 <div class="singleItem"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2021/12/img-acbb-logo.jpg" alt="Atlantic Community Bankers Bank" /> </div>
856   
857               
858        </div>
859    </div>
860</section>
861
862
863
864<!-- Section Start -->
865<div class="ContentSection darkGray spacrow" >
866    <div class="InnerWrapper">
867      <div class="RightCol PullRight">
868
869        <div class="vimeoVideoWrapper">
870           <div class="videoPostinfo">
871<img decoding="async" alt="Risk and Issues Management for Community Banks and Credit Unions" src="https://www.360factors.com/wp-content/uploads/2025/12/img-issues-management.png" />
872
873
874               </div>
875            		
876		
877            
878        </div>
879      </div>
880      <div class="LeftCol PullLeft">
881        <h2 class="heading" >Simplify Risk Management with Predict360 Essentials</h2>
882        <p>Predict360 Essentials delivers standardized, preconfigured tools for managing risk assessments, issues tracking, and compliance—all tailored to the unique needs of community banks and credit unions.<
882/p>
883		<p>Predict360 Essentials provides the tools you need to manage risk without adding complexity:</p>
884<ul>
885<li><strong>Preloaded Dashboards and Reports</strong>: Gain immediate insights with standard risk assessment reports, heat maps, and dashboards for risks and controls.</li>
886<li><strong>Replace Outsourced Compliance Testing</strong>: Reduce dependence on external firms and eliminate typical annual costs of ~$30K by bringing standardized testing in-house.</li>
887<li><strong>Pre-Built Workbooks</strong>: Use ready-made, examiner-aligned workbooks that remove the need for custom scripts or manual configuration.</li>
888<li><strong>Scalable as You Grow</strong>: A flexible system designed for institutions from under $1B in assets to over $100B+, ensuring you never outgrow your risk and compliance platform.</li>
889<li><strong>Implementation in under 30 Days</strong>: Be up and running quickly with onboarding included.</li>
890
891
892
893
894</ul>		
895
896
897
898		
899        <a href="javascript:void(0);" class="highLightedCta" onclick="SCROLL_CENTER('.pageBanner');">Request a Custom Demo</a>
900      </div>
901    </div>
902</div>
903<!-- Section End -->
904
905<!-- Section Start -->
906<div class="ContentSection spacrow">
907  <div class="InnerWrapper">
908    <div class="LeftCol" >
909     <div class="vimeoVideoWrapper">
910<img alt="Risk and Issues Management for Community Banks and Credit Unions"src="https://www.360factors.com/wp-content/uploads/2025/12/img-risk-libraries.png" />    
911            		
912			
913            
914        </div>
915		
916    </div>
917    <div class="RightCol">
918        <h2 class="heading lg" >Predict360 Essentials Features</h2>
919		<p>Key Predict360 Essentials features include:</p>
920  <ul>
921<li><strong>Comprehensive Risk Libraries</strong>
922
923<p>Access to our preloaded community banking library and the Crowe Risk Library.</p>
924</li>
925<li><strong>Preconfigured Standard Risk Assessments</strong>
926<p>Risk assessments include a robust set of preloaded evaluations, such as:</p>
927</li>
928<span class="new">
929<ol type="a">
930<li>BSA/AML/OFAC/CIP Risk Assessment
931   <li> Information Security Risk Assessment, covering:
932   <ol>
933     <li> Vendor/Partner InfoSec Ratings (NPPI or proprietary information exposure)</li>
934      <li> Vendor Mission Criticality Ratings</li>
935      <li> Information System Ratings and Risk/Control Assessments</li>
936	  </ol>
937   <li> Cyber Security Risk Assessment</li>
938   <li> UDAAP Risk Assessment (Unfair, Deceptive, and Abusive Practices)</li>
939   <li>Fair Lending Risk Assessment</li>
940   <li> FACTA Risk Assessment</li>
941   <li>ACH Risk Assessment</li>
942   <li> Remote Deposit Capture Risk Assessment</li>
943   <li> SOX/FDICIA Risk Assessments (SOX for public banks, FDICIA for banks over $1B in assets)</li>
944
945</ol>
946</span>
947
948<style>
949    ol li::before {
950      content: none !important;
951      list-style: inside !important;
952    }
953  </style>
954
955
956
957		</ul>
958		
959	<ul>
960<li><strong>Real-Time Issues Management</strong>
961<p>Move beyond spreadsheets and emails with a centralized, real-time view of issues and action plans across your organization.</p>
962</li>
963</ul>
964
965	<ul>
966<li><strong>Kaia AI Assistance</strong>
967<p>Use Kaia to explore additional controls, streamline workflows, and enhance risk management efficiency.</p>
968</li>
969</ul>	
970  
971<a href="https://www.360factors.com/products/predict360-essentials/" class="highLightedCta">Explore Features</a>
972  
973</div></div></div>
974<!-- Section End -->
975
976
977
978
979
980<!-- Sox Section Start -->
981<div class="sox_banner_wrapper">
982    <div class="InnerWrapper">
983        <div class="sox_text">
984            <h3>Complimentary Datasheet</h3>
985            <h4>Predict360 Essentials</h4>
986            <p>Risk and Issues Management for Community Banks and Credit Unions </p>
987            <span class="banner_btn"><a href="https://www.360factors.com/predict360-essentials-datasheet/">Download Now</a></span>
988        </div>
989        <div class="sox_img">
990<img fetchpriority="high" decoding="async" alt="Risk and Issues Management for Community Banks and Credit Unions" src="https://www.360factors.com/wp-content/uploads/2025/01/img-KPIs-VS-KRIs-big-cover.png" width="350" height="550" />
991        </div>
992    </div>
993</div>
994<!-- Sox Section End -->
995
996<!-- Section Start -->
997<div class="ContentSection darkGray spacrow" >
998    <div class="InnerWrapper">
999      <div class="RightCol PullRight">
1000
1001        <div class="vimeoVideoWrapper">
1002           <div class="videoPostinfo">
1003<img decoding="async" alt="Risk and Issues Management for Community Banks and Credit Unions" src="https://www.360factors.com/wp-content/uploads/2025/12/img-standrd-risk-assessments.png" />
1004
1005
1006               </div>
1007            		
1008		
1009            
1010        </div>
1011      </div>
1012      <div class="LeftCol PullLeft">
1013        <h2 class="heading" >Why Predict360 Essentials?</h2>
1014        <p>Community banks often face challenges such as:</p>
1015		
1016<ul>
1017<li>Ensuring comprehensive risk coverage</li>
1018<li>Managing siloed data without a standard methodology</li>
1019<li> Preparing for regulatory exams without additional headcount</li>
1020</ul>		
1021<p>Predict360 Essentials eliminates guesswork and helps you gain peace of mind.</p>
1022
1023<h2 class="heading" >Ready to Streamline Risk and Issues Management?</h2>
1024<p>Take control of your risk and issues workflows today. Schedule a demo to see how Predict360 Essentials can help your community bank meet regulatory obligations with confidence, without adding complexity.</p>
1025		
1026        <a href="mailto:[email protected]" class="highLightedCta">Connect with an Expert</a>
1027      </div>
1028    </div>
1029</div></div>
1030<!-- Section End -->
1031
1032<!-- Section Start -->
1033<div class="ContentSection spacrow">
1034  <div class="InnerWrapper">
1035    <div class="LeftCol" >
1036     <div class="vimeoVideoWrapper">
1037<img alt="Risk and Issues Management for Community Banks and Credit Unions"src="https://www.360factors.com/wp-content/uploads/2025/12/img-kaia-aI-assistance.png" />    
1038            		
1039			
1040            
1041        </div>
1042		
1043    </div>
1044    <div class="RightCol">
1045        <h2 class="heading lg" >Predict360 Essentials Benefits</h2>
1046		<p>Predict360 Essentials equips community banks and credit unions with a streamlined, examiner-aligned foun
1046dation for risk and issues management. Institutions can improve consistency, reduce effort, and strengthen risk management posture from day one.</p>
1047  <ul>
1048<li><strong>Standardized Tools</strong>: Ensure consistent risk methodologies and reporting.</li>
1049<li><strong>Future-Proof</strong>: Easily upgrade to additional apps within the Predict360 platform when your organization is ready.</li>
1050
1051<li><strong>Trusted Partner</strong>: Built by the experts at 360factors, trusted by community banks nationwide.</li>
1052
1053<li><strong>Standardize Risk Reporting</strong>: Align processes across all departments and business units.</li>
1054
1055<li><strong>Gain Confidence</strong>: Meet regulatory obligations with built-in compliance testing worksheets.</li>
1056
1057<li><strong>Reduce Costs</strong>: Reduce reliance on costly third-party outsourcing services.</li>
1058
1059</ul>	
1060  
1061   <a href="javascript:void(0);" class="highLightedCta" onclick="SCROLL_CENTER('.pageBanner');">Reserve Your Demo</a>
1062</div></div></div>
1063<!-- Section End -->
1064
1065<!-- Why Choose Start -->
1066<div class="predictSect darkGray textcenter">
1067<h2 class="whychoosetxt">Why Choose 360factors?</h2>
1068<p>360factors empowers organizations to accelerate profitability, innovation, and productivity by predicting risks and streamlining compliance.</p>
1069
1070<div class="respContainer">
1071
1072
1073<div class="colrow">
1074
1075
1076<div class="col4">
1077
1078
1079<div class="psItem"> 
1080
1081<span><img decoding="async" src="https://www.360factors.com/wp-content/uploads/2020/10/home-icon-05.png" alt="Complete GRC" width="80" height="80">
1082</span>
1083<h4>Complete GRC</h4>
1084From simple risk assessments to a complete risk register and compliance testing framework
1085
1086
1087</div>
1088
1089</div>
1090
1091
1092<div class="col4">
1093
1094
1095<div class="psItem"> 
1096
1097<span><img decoding="async" src="https://www.360factors.com/wp-content/uploads/2020/10/home-icon-01.png" alt="Basic to Enterprise" width="80" height="80">
1098</span>
1099<h4>AI-Powered Solution</h4>
1100Leverage AI to identify, analyze, and predict risks
1101
1102
1103</div>
1104
1105</div>
1106
1107
1108<div class="col4">
1109
1110
1111<div class="psItem"> 
1112
1113<span><img loading="lazy" decoding="async" src="https://www.360factors.com/wp-content/uploads/2020/10/home-icon-06.png" alt="Speed &amp; Execution" width="80" height="80">
1114</span>
1115<h4>Speed &amp; Execution</h4>
1116Insights into your risk program &#038; control effectiveness
1117
1118
1119</div>
1120
1121</div>
1122
1123</div>
1124
1125
1126<div class="colrow">
1127
1128
1129<div class="col4">
1130
1131
1132<div class="psItem"> 
1133
1134<span><img loading="lazy" decoding="async" src="https://www.360factors.com/wp-content/uploads/2020/10/home-icon-04.png" alt="Fast Implementation" width="80" height="80">
1135</span>
1136<h4>Fast Implementation</h4>
1137The cloud-based solution can be integrated within days
1138
1139
1140</div>
1141
1142</div>
1143
1144
1145<div class="col4">
1146
1147
1148<div class="psItem"> 
1149
1150<span><img loading="lazy" decoding="async" src="https://www.360factors.com/wp-content/uploads/2020/10/home-icon-07.png" alt="Flexible and Modular" width="80" height="80">
1151</span>
1152<h4>Flexible and Modular</h4>
1153Pick the modules you need for your business
1154
1155
1156</div>
1157
1158</div>
1159
1160
1161<div class="col4">
1162
1163
1164<div class="psItem"> 
1165
1166<span><img loading="lazy" decoding="async" src="https://www.360factors.com/wp-content/uploads/2020/10/home-icon-08.png" alt="Easy to Use" width="80" height="80">
1167</span>
1168<h4>Easy to Use</h4>
1169Automation and an intuitive interface ensure ease of use
1170
1171
1172</div>
1173
1174</div>
1175
1176</div>
1177
1178</div>
1179
1180</div>
1181<!-- Why Choose  End -->
1182
1183<!-- Testimonials Slider Start -->
1184<div class="testimonialsSliderSection">
1185    <div class="InnerWrapper">
1186
1187        <span class="title">What Customers Say About 360factors</span>
1188        <p>Learn How 360factors Empowers Customers to Manage Their Risk and Compliance Programs with Ease.</p>
1189
1190        <div class="pdpTestimonialsSlider" id="pdpTestimonialsSlider">
1191
1192            <div class="singleItem">
1193                <span class="quote"><i class="fa fa-quote-right" aria-hidden="true"></i></span>
1194               
1195                <p>We look forward to working with 360factors to advance our enterprise risk and compliance programs for the bank while increasing the products and services we offer to the community.</p>
1196                <span class="personName">Mark Casel</span>
1197                <span class="personDesignation">Chief Risk Officer</span>
1198                <span class="companyLogo"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2021/06/img-lincoin-logo.png" alt="Lincoln Savings Bank" /> </span>
1199            </div>  
1200    
1201            <div class="singleItem">
1202                <span class="quote"><i class="fa fa-quote-right" aria-hidden="true"></i></span>
1203               
1204                <p>We selected Predict360 due to its ease of use, banking industry design, and endorsement by the American Banker’s Association.</p>
1205                <span class="personName">Eric Sprink</span>
1206                <span class="personDesignation">President & CEO</span>
1207                <span class="companyLogo"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2021/11/costal-bank-logo.png" alt="Coastal Community Bank" /> </span>
1208            </div>  
1209    
1210            <div class="singleItem">
1211                <span class="quote"><i class="fa fa-quote-right" aria-hidden="true"></i></span>
1212               
1213                <p>Predict360’s banking workflows, risk library content, and endorsement from the American Bankers Association are a great fit for our bank.</p>
1214                <span class="personName">Julie Dahle</span>
1215                <span class="personDesignation">EVP and Chief Risk Officer</span>
1216                <span class="companyLogo"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2021/10/img-choice-bank-logo-testimonials.png" alt="Choice Bank" /> </span>
1217            </div>  
1218    
1219           
1220    
1221            <div class="singleItem">
1222                <span class="quote"><i class="fa fa-quote-right" aria-hidden="true"></i></span>
1223               
1224                <p>As part of our initiative to expand our products and services, we wanted to enhance our enterprise risk and compliance management to support this growth. Predict360 will enable our team to meet these goals efficiently.</p>
1225                <span class="personName">David Claussen</span>
1226                <span class="personDesignation">Chief Risk Officer</span>
1227                <span class="companyLogo"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2021/06/img-drummond-logo.jpg" alt="Drummond Community Bank" /> </span>
1228            </div>  
1229    
1230            <div class="singleItem">
1231                <span class="quote"><i class="fa fa-quote-right" aria-hidden="true"></i></span>
1232               
1233                <p>360factors’ solutions, powered by artificial intelligence, enables our organization to adapt and respond effectively to the ever-changing regulatory compliance landscape.</p>
1234                <span class="personName">Joanna Chancellor</span>
1235                <span class="personDesignation">Business Support Manager</span>
1236                <span class="companyLogo"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2020/01/img-gateway-logo.png" alt="Gateway Mortgage Group" /> </span>
1237            </div>   
1238			
1239			       <div class="singleItem">
1240                <span class="quote"><i class="fa fa-quote-right" aria-hidden="true"></i></span>
1241                
1242                <p>The powerful features combined with the easy implementation of the cloud solution made Predict360 a great fit for our organization.</p>
1243                <span class="personName">Steve Parker</span>
1244                <span class="personDesignation">Chief Executive Officer</span>
1245                <span class="companyLogo"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2020/01/img-plain-green.png" alt="Plain Green, LLC" /> </span>
1246            </div> 
1247			
1248			
1249			
1250			   <div class="singleItem">
1251                <span class="quote"><i class="fa fa-quote-right" aria-hidden="true"></i></span>
1252               
1253                <p>We believe our collaboration with 360factors and the technology they bring supports our vision for the future.</p>
1254                <span class="personName">Gina Anonuevo</span>
1255                <span class="personDesignation">Chief Compliance Officer</span>
1256                <span class="companyLogo"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2020/01/img-first-hawaiian-bank-logo.png" alt="First Hawaiian Bank" /> </span>
1257            </div> 
1258			
1259			
1260			
1261			 <div class="singleItem">
1262                <span class="quote"><i class="fa fa-quote-right" aria-hidden="true"></i></span>
1263                
1264                <p>Deploying Predict360 is another step by us towards becoming a more streamlined and efficient organization.</p>
1265                <span class="personName">Crystal Barnes</span>
1266                <span class="personDesignation">Regulatory Compliance Specialist</span>
1267                <span class="companyLogo"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2020/01/img-german-american-bank-logo.png" alt="German American Bank" /> </span>
1268            </div> 
1269			
1270			
1271			
1272			
1273			
1274			
1275			
1276			
1277			
1278                     
1279        </div>
1280    </div>
1281  </div>
1282
1283<!-- Testimonials Slider Start -->
1284
1285<!-- Featured In Start -->
1286<!-- Featured In Start -->
1287<div class="featuredInSection">
1288    <div class="InnerWrapper">
1289        <p class="featuredTitle">Featured In</p>
1290        <div class="logosList" >
1291            <ul>
1292
1293                <li>
1294                <a href="https://www.riskmanagementmonitor.com/tag/banking-industry/"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2022/01/img-rims-logo.jpg" /></a>
1295                </li>
1296
1297                <li>
1298                <a href="https://www.riskmanagementmonitor.com/six-considerations-impacting-strategic-regulatory-change-management/"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2021/05/img-risk-management-logo.jpg" alt="Risk Management" /></a> 
1299                </li>
1300
1301
1302                <li>
1303                <a href="https://globalriskcommunity.libsyn.com/carl-mccauley"><img decoding="async" src="https://www.360factors.com/wp-content/uploads/2022/01/img-risk-podcast-logo-black.jpg" /></a>
1304                </li>
1305
1306                <li>
1307                <a href="https://bankingjournal.aba.com/2019/11/from-risk-to-reward-how-to-maximize-risk-reporting/"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2021/05/img-aba-journal-logo.jpg" alt="ABA Banking Journal" /> </a>
1308                </li>
1309
1310                <li>
1311                <a href="https://www.360factors.com/webinars/data-products-changing-fintech-world/"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2022/03/img-austin-fintech-feature-logo.jpg" /> </a>
1312                </li>
1313
1314                <li>
1315                <a href="https://www.scotsmanguide.com/browse/content/risks-come-into-focus-for-the-mortgage-industry"> <img decoding="async" src="https://www.360factors.com/wp-content/uploads/2021/05/img-scotsman-guide-logo.jpg" alt="Scotsman Guide" /></a>
1316                </li>
1317
1318            </ul>
1319        </div>
1320    </div>
1321</div>
1322<!-- Featured In End -->
1323
1324
1325
1326<!-- Featured In End -->
1327
1328<!-- Sourceforge In Start -->
1329<!-- Featured In Start -->
1330<div class="featuredInSection">
1331    <div class="InnerWrapper">
1332     <div class="logosList centerized" >
1333            <ul >
1334
1335<li>
1336<!-- Begin SF Tag -->
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1338<a href="https://sourceforge.net/software/product/360factors-Predict360/" target="_blank">Predict360 Reviews</a>
1339</div>
1340<script>(function () {var sc=document.createElement('script');sc.async=true;sc.src='https://b.sf-syn.com/badge_js?sf_id=3001837&variant_id=sf';var p=document.getElementsByTagName('script')[0];p.parentNode.insertBefore(sc, p);})();
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1350</div>
1351<script>(function () {var sc=document.createElement('script');sc.async=true;sc.src='https://b.sf-syn.com/badge_js?sf_id=3001837&variant_id=sf';var p=document.getElementsByTagName('script')[0];p.parentNode.insertBefore(sc, p);})();
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1356                <li>
1357              <!-- Begin SF Tag -->
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1370    <a href="https://sourceforge.net/software/product/360factors-Predict360/" target="_blank" rel="noopener">Predict360 Reviews</a>
1371</div>
1372<script>(function () {var sc=document.createElement('script');sc.async=true;sc.src='https://b.sf-syn.com/badge_js?sf_id=3001837&variant_id=sf';var p=document.getElementsByTagName('script')[0];p.parentNode.insertBefore(sc, p);})();
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1373
1374<!-- End SF Tag -->
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1378                
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1381    <a href="https://slashdot.org/software/p/360factors-Predict360/" target="_blank" rel="noopener">Predict360 Reviews</a>
1382</div>
1383<script>(function () {var sc=document.createElement('script');sc.async=true;sc.src='https://b.sf-syn.com/badge_js?sf_id=3001837&variant_id=sd';var p=document.getElementsByTagName('script')[0];p.parentNode.insertBefore(sc, p);})();
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1384
1385<!-- End SF Tag -->
1386                </li>
1387
1388               
1389
1390               
1391
1392            </ul>
1393        </div>
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1435  "description": "Predict360 Essentials streamlines risk and issues management for community banks and credit unions.",
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1465
1466<!-- Adding Template Scripts -->
1467<script type="text/javascript" src="https://www.360factors.com/wp-content/themes/factorstheme2022/js/product-page-v2.js"></script>
1467
1468
1469<footer class="margin-adjust">
1470        <div class="InnerWrapper">
1471            <div class="footer-wrapper">
1472              <div class="link-wraper">
1473              <h6 class="title">Top Risk Management Products</h6>
1474              <ul class="list-wrap">
1475              <li class="list"><a class="link" href="https://www.360factors.com/enterprise-risk-management-software/">Enterprise Risk Management Software</a></li>
1476              <li class="list"><a class="link" href="https://www.360factors.com/risk-control-self-assessments/">Risk Control Self Assessment (RCSA) Software</a></li>
1477              <li class="list"><a class="link" href="https://www.360factors.com/vendor-risk-management/">Vendor Risk Management (VRM) Software </a></li>
1478              <li class="list"><a class="link" href="https://www.360factors.com/it-risk-assessment-software/">IT Risk Assessment Software</a></li>
1479              <li class="list"><a class="link" href="https://www.360factors.com/predict360-risk-insights/">Risk Insights</a></li>
1480                    </ul>
1481                </div>
1482                <div class="link-wraper">
1483                <h6 class="title">Top Compliance Management Products</h6>
1484                <ul class="list-wrap">
1485                <li class="list"><a class="link" href="https://www.360factors.com/compliance-management-system/">Compliance Management Software</a></li>
1486                <li class="list"><a class="link" href="https://www.360factors.com/compliance-monitoring-testing/">Compliance Monitoring & Testing Software</a></li>
1487                <li class="list"><a class="link" href="https://www.360factors.com/complaints-management/">Complaints Management Software</a></li>
1488                <li class="list"><a class="link" href="https://www.360factors.com/regulatory-change-management-software/">Regulatory Change Management Software</a></li>
1489                <li class="list"><a class="link" href="https://www.360factors.com/policy-procedure-management/">Policy & Procedure Management Software </a></li>
1490                    </ul>
1491                </div>
1492                <div class="link-wraper">
1493                    <h6 class="title">Resources</h6>
1494                    <ul class="list-wrap">
1495                        <li class="list"><a class="link" href="https://www.360factors.com/blog/">Knowledge Insights</a></li>
1496                        <li class="list"><a class="link" href="https://www.360factors.com/press-releases/">Latest News</a></li>
1497                        <li class="list"><a class="link" href="https://www.360factors.com/whitepapers/">White Papers</a></li>
1498                        <li class="list"><a class="link" href="https://www.360factors.com/webinars/">Webinar</a></li>
1499                        <li class="list"><a class="link" href="https://www.360factors.com/careers/">Careers</a></li>
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1502            </div>
1503            <div class="bot-nav">
1504                <p class="copyRight">Copyright 2026 360factors, Inc. All Rights Reserved.</p>
1505                <div class="policy-wrap">
1506                    <ul>
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1512                <div class="social-link">
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1514                        <li><a href="https://www.facebook.com/360Factors"><i class="fa fa-facebook" aria-hidden="true"></i></a></li>
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1521                        <li><a href="https://www.linkedin.com/company/360factors-inc"><i class="fa fa-linkedin" aria-hidden="true"></i></a></li>
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1523                </div>
1524            </div>
1525        </div>
1526    </footer>
1527 
1528
1529</div><!--mainWrapper-->
1530
1531
1532<!-- Adding Home Page Javascripts -->
1533<script type="text/javascript" src="https://www.360factors.com/wp-content/themes/factorstheme2022/js/global.js"></script>
1533
1534 
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1544
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1548
1549<script id="jquery-fancybox-js" src="https://www.360factors.com/wp-content/plugins/easy-fancybox/fancybox/1.5.4/jquery.fancybox.min.js?ver=7.0.5"></script>
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