Banking
A treasury client wires funds to a new vendor, a builder requests their next construction draw, and BSA screens both against OFAC, all in the same afternoon. On Woork that runs on one platform with one audit trail, not a core plus a payments vendor plus a loan system plus a portal, stitched together at your expense.
Why it's different
The competition is a layer on a stack of vendors. Woork collapses the stack onto one permission model, one audit chain, and one set of rails.
Accounts, lending pipeline, payments, compliance, and customer portals in one place. Core deposits and transactions sync from your core via a zero-copy connection.
Wire and ACH approvals with tier-based routing and dual control over your threshold. The initiator can't approve their own. Every wire gets an AI risk score for the officer to review.
Customer identity is enforced server-side, never in the URL. Officers and portal users see only what their role allows, and every action lands on a tamper-evident audit trail.
Payments & approvals
Wire and ACH initiation, approval routing, and fraud signals on one workbench, so the officer sees the risk score and the approval chain side by side.
L1, L2, and admin routing by amount. Dual control over your threshold; initiators can't self-approve.
Each wire is scored and flagged for review, new beneficiary, large amount, off-pattern. The officer decides.
ACH batches run a full validation check including OFAC per entry before they leave.
Check-fraud exceptions surface for a pay or return decision, with the history that drove the flag.
Deposits & treasury
Account opening, cash position, statements, and remote deposit, for the client in the portal and the officer in the back office, on the same data.
Balances and transactions synced from your core, with trend charts and a liquidity view.
Camera or file upload with AI check extraction, straight into the approval flow.
Managed accounts, zero-balance sweeps, and end-of-day settlement with GL posting.
BAI2 and Excel exports for treasury teams, on demand.
Construction lending
A budget and draw portal for builders, and a project view for the bank, so a draw request becomes a funded disbursement in days, with liens tracked before payout.
Builders submit draws against the schedule with invoices attached; the bank sees budget versus spend live.
Draws route through review and approval, with invoice matching, before funding.
Mechanic's lien waivers are collected and tracked ahead of disbursement.
A payment portal for subs with invoice upload and payout status.
Credit & compliance
Commercial credit and BSA/AML on the same platform as the money, so risk and compliance see what's happening as it happens, not in a quarterly extract.
Application intake with KYB, auto-routing to officers, and stage tracking across the pipeline.
A 1-to-9 regulatory scorecard with weighted factors, AI-suggested and officer-overridden.
Real-time credit exposure by borrower, industry, and product against your limits.
Beneficiaries screened at creation and per ACH entry, with a suspicious-match log.
Suspicious activity reports drafted and tracked without leaving the platform.
Real-time exposure versus daily limits, and a tamper-evident audit trail you can hand a regulator.
Portals
The customer portal runs on the same platform as the bank, so there's no integration seam between the system of record and what the client sees.
Wire and ACH initiation, scheduled and recurring payments, and an approvals hub for client-side approvers.
Treasury onboarding with e-signature, and admin control over users and entitlements.
Two-way banker-to-client messaging on the record, with an embedded agent for quick answers.
Talk to us
Tell us what you're building. We'll show you Woork on your own use case, apps, agents, and integrations, governed by default.
Not a canned demo. We'll stand up your use case on the platform so you can see the real thing.
You'll speak with someone who can actually architect it, forward-deployed, hands on the keys.
See how fast a governed, enterprise-grade app ships, days, not months.
Prefer email? hello@dowoork.com