Accumo Core · Institutional
Risk-based internal audit OS for banks that must see every branch clearly
Configurable checklists, Business × Control risk, a living 5×5 portfolio view, maker-checker through closure, persistent irregularities, and bilingual reports — above core banking, not instead of it.
Illustrative 5×5 portfolio
Business Risk × Control Risk → final band. Engine provisional; HO confirms or overrides with reason.
For technical proposals & evaluation demos — this page is written for institutional buyers (including cooperative bank RBIA programmes). Use it alongside your formal bid pack. No fabricated live-site claims.
Talk to the programme teamCore capabilities
What the bank actually runs day to day
Annexure-native checklists
Branch, society, and inspection templates as versioned software — freeze on engagement start, live scoring paths, section UX for field auditors.
Business Risk + Control Risk → 5×5
Size/complexity from CBS-class inputs; control risk from checklist marks. Final rating from a bank-owned matrix — not a vendor black box.
Policy file the bank owns
Weights, bands, frequency, man-days. Change policy with reason and effective date — without a code release for every rule tweak.
HO final word
Engine ratings are provisional. Head Office confirms or overrides with mandatory reason and dual history.
Maker-checker · compliance · closure
Observations, branch replies, evidence, and FACC-style closure paths with aging and accountability.
Persistent irregularities
Open issues carry into the next engagement so the same finding cannot vanish between auditors.
English + Malayalam
UI and printable reports — field-real language, not English software with a brochure promise.
Above CBS · adapter pattern
Designed to sit over Finacle-class core banking via open-spec adapters / secure file drops — not a CBS replacement.
Pulse · offsite exceptions
Phased continuous monitoring between visits so risk is a live signal, not only an annual snapshot.
AI that explains itself
Accu assists with themes, drafts, and prep. No silent auto-publish of final risk ratings. Aligned with responsible AI for finance.
Lifecycle
From plan to FACC — one engine
Plan
Risk-driven frequency, teams, man-days from policy.
Execute
Checklist, observations, sampling, offline-ready path.
Rate
BR + CR → 5×5 → provisional → HO confirm.
Close
Branch reply, review, FACC, persistent carry-forward.
Programme principles
- Bank owns risk rules; Accumo runs the engine
- Higher checklist marks → higher control risk (deficiency-weighted)
- Full trail on material actions
- Domain + technology delivery (CA / bank audit + engineering)
- Staged go-live honesty over theatre
Security & partners
- India data residency mindset; bank DC / MeitY-class options
- RBAC, encryption, VAPT-ready posture
- DarkRange partnership available for Gulf-grade cyber, VAPT, and hardening
- DPDP-aware design for personal data in audit files
Evaluation demo
What a serious offline demo shows
Product speaks. Typical institutional evaluation path:
Three roles
Auditor, supervisor/HO, branch head — distinct dashboards.
Live checklist scoring
Annexure-style execution with auto marks path.
Risk engine
Score → 5×5 → multi-level rating on screen.
HO portfolio
Branches on the matrix with drill-down.
Closure cycle
Maker-checker through compliance to FACC.
Persistent findings
Unresolved items reappear next engagement.
Institutional conversation
For RBIA programmes, technical proposals, and offline demos — including cooperative bank estates.