![masthead background decorative image](/images/one-col-masthead-left.avif)![masthead background decorative image](/images/one-col-masthead-right.avif) For sponsor banks # Every program you sponsor _owes_ an audit. Send them to us Clusia drafts each audit from the program's own data, and AAP-accredited auditors review and sign. Your programs get it done fast — you get proof that holds up. [ Get in touch](/demo) ![masthead](https://cdn.sanity.io/images/j3kx98iz/production/8f75b6445ab5e5a745a383cb2055ab2992c4b0db-2624x1420.webp?q=80&fit=max&auto=format&w=3840) ## The best path to a _compliant_ portfolio Refer your programs. We run the audit end to end, and you receive the documentation for your records. ![Refeer](https://cdn.sanity.io/images/j3kx98iz/production/9240860562ab7726d0c50a5c45bb0868ff3f86b3-2592x1080.webp?q=80&fit=max&auto=format&w=3840) #### Easy for your programs Their audit arrives drafted from their data. Their part is measured in hours, not quarters. #### Credible for you AAP-accredited review, qualified and independent — an audit you can stand behind with your regulator. #### Done before the deadline December 31 doesn't move. Referred programs get scheduled ahead of the Q4 crunch. ## _Create_ audits built to your risk profile Our accredited professionals build it with you. Your programs answer to your standards. ![Real-time](https://cdn.sanity.io/images/j3kx98iz/production/d425ed19adb6012994c535007f20d3df4992a1ec-842x920.png?w=842&q=80&fit=max&auto=format) ### Co-developed with an AAP Your risk team and our accredited professionals define the questions, thresholds, and evidence your programs must meet. ![Real-time](https://cdn.sanity.io/images/j3kx98iz/production/923c3cc0bc11e6276566164936630b1023b40364-842x920.webp?w=842&q=80&fit=max&auto=format) ### Your standards become questions Share your program requirements, and we map them to questions your programs have to answer, alongside the Nacha baseline. ![Standards](https://cdn.sanity.io/images/j3kx98iz/production/5dba6f575af3a2cfae527a02049cf44f31f077dc-842x920.webp?w=842&q=80&fit=max&auto=format) ### Consistent across programs Every program answers the same workbook the same way — so you can actually compare them. ## How it works, in _three_ steps - Refer programsRefer programs Request a referral link. Referred programs get scheduled ahead of the Q4 crunch — one program or the whole portfolio. - They complete their auditThey complete their audit It arrives drafted from their data, answers cited to source. They confirm what's left, and an AAP-accredited auditor reviews and signs. - Proof lands with youProof lands with you The signed statement and report arrive for your records — what Nacha and your examiners ask for. No chasing, no tracking spreadsheet. Request a referral link. Referred programs get scheduled ahead of the Q4 crunch — one program or the whole portfolio. ![bg](https://cdn.sanity.io/images/j3kx98iz/production/f6c0a89f6393f9a218181fbd581e7aa3d1c64df4-2601x1680.avif?q=80&fit=max&auto=format&w=3840) ![Automated](https://cdn.sanity.io/images/j3kx98iz/production/8dae55a0fba18192394a7c524c4863ef00a4fd49-1734x1120.webp?w=1734&q=80&fit=max&auto=format) ![Automated](https://cdn.sanity.io/images/j3kx98iz/production/41cf849da9dc9cfe1a062904f51b9ac58cfdfbc9-1734x1120.png?w=1734&q=80&fit=max&auto=format) ![Email](https://cdn.sanity.io/images/j3kx98iz/production/9787d34029391c066aee2ca3c4c61ca85490db8e-1734x1120.webp?w=1734&q=80&fit=max&auto=format) ## Clusia connects to systems with read-only access you scope and keys you control, pulls only what a specific question requires, and cites the source. Revoke access at any time and it stops. [ Visit our Trust Center](/demo) - checkLeast-privilege access - checkBring your own keys - checkSOC 2 compliant ![SOC 2 Compliant](https://cdn.sanity.io/images/j3kx98iz/production/164978b55f5ba75a4d2320af2d581d61a10c88da-64x64.svg) ## Your questions, answered _upfront_ How thorough is the audit? Toggle FAQ More thorough than most. Traditional audits sample because pulling data by hand is the expensive part — we connect to the systems and test the full population, at the Originator and SEC-code level rather than a portfolio average. Every conclusion traces back to the evidence it came from. Who actually performs and signs the audit? Toggle FAQ Every engagement is reviewed and signed by an AAP-accredited auditor on our team, and every answer carries the evidence it came from and the date it was pulled. When someone asks how a conclusion was reached, the record is there. Can I set what my programs are tested against? Toggle FAQ Beyond the Nacha baseline, we can encode your program requirements — return-rate thresholds, documentation standards, whatever your agreements specify — so every program answers to your rules. Can we see results across programs? Toggle FAQ Every program answers the same questions the same way, so results are comparable and you can see status without emailing each one. Do programs contract with us or with you? Toggle FAQ Directly with us. You're not a customer and there's nothing to procure on your side. What if a program won't connect its systems? Toggle FAQ They can answer manually. Connected programs draft faster and get fuller testing; the audit is complete either way.