Illustrative example
MIGRATION · BY SEGMENT THIS MONTH
Indirect auto▲ WATCH
Credit card▲ WATCH
Direct autoSTABLE
HELOCSTABLE
Risk migration signals
Surface where borrower or portfolio risk may be changing after origination.
Why ARCSysAboutClient loginSee it on your loans
Products
Available
ARC-CECLYour allowance, built from your loansARC-ALMRate risk from the same loansARCAnalyticsYour reconciled data, ready to queryARC-CECLReviewYour model, reviewed every yearARCPeerAnalyticsPeer context that reflects your strategyNext Gen
ARCMarketplace COMING SOONARCDecision COMING SOONARCSentinel COMING SOONAll products, by decision →Consulting
ARCSentinel · COMING SOON
See changing portfolio risk earlier, while you still have options.
ARCSentinel is intended to identify changing borrower and portfolio risk after origination, so risk, servicing, and portfolio teams can focus review and consider intervention before risk becomes more difficult to manage.
Built on the same reconciled loan record as ARC-CECL and ARC-ALM.
The first sign of risk should not be the last point at which you have options.
PORTFOLIO · CONSUMER · AUTO · CARDSIGNALS · AFTER ORIGINATION
REVIEW · PRIORITIZEDOPTIONS · WHILE THEY EXIST
Trusted by 250+ banks and credit unions since 2010
The first sign of risk should not be the last point at which you have options.
Earlier visibility, more deliberate action
Late risk signals leave a reactive collections process. ARCSentinel is designed to help teams prioritize attention where changing signals suggest a deeper review may be warranted.
Illustrative example
REVIEW QUEUE PRIORITIZED
01 · #40417 · Indirect autoREVIEW
02 · Card · utilization upREVIEW
03 · Auto · payment patternWATCH
04 · HELOC · no changeHOLD
Prioritized review
Focus account review and outreach where the signals suggest it is warranted.
Illustrative example
CONSUMER BOOK · BY SEGMENT
Portfolio views
See consumer, auto, and card exposure by segment as it changes over time.
Illustrative example
OPTIONS OPEN · AFTER THE FIRST SIGNAL
Early actionLate action
Intervention options
Give servicing and collections leadership options before problems become more severe.
Illustrative example
ONE LOAN RECORD · LOADED ONCE
CECL · ALM38,410 loans
SAME RECORD
SENTINEL38,410 loans
Reconciled to the GL · monthly✓
No new data project✓
Connected to your data
Built on the same reconciled loan record as ARC-CECL and ARC-ALM, so nothing is loaded twice.
Illustrative example
RISK COMMITTEE PACKET READY
01 Migration by segment
02 Review queue and outcomes
03 Net charge-offs · down 3 quarters
04 Interventions this quarter
05 Watch-list changes
Risk reporting
Executive and committee reporting on how portfolio risk is moving and what the team is doing about it.
THE ARCSYS FOUR-STEP PLAN
From risk question to prioritized action.
ARCSentinel is launched through governed, product-specific programs. The first step is an educational conversation about your consumer portfolio and how risk is monitored today.
01
CLARIFY THE DECISION
Where is changing risk hardest to see today, and who needs to act on it?
02
SEE THE DRIVERS
Review the borrower and portfolio signals available after origination.
03
BUILD THE CASE
Define how review is prioritized and what intervention options exist.
04
ACT WITH SUPPORT
Put the workflow in place with ARCSys specialists, with model-governance and compliance review built in.
01
DEFINE THE RISK QUESTION
Which segments, products, or borrowers warrant closer attention?
02
REVIEW AVAILABLE SIGNALS
Changing signals are surfaced for the teams who can act on them.
03
APPLY THE APPROVED PROCESS
Review, outreach, and intervention follow the institution's own process.
04
PRIORITIZE ACTION
Attention goes where a deeper review is warranted, while options still exist.
[WHY IT MATTERS]
A proactive posture expands your options.
Rising concern about portfolio performance, growth in consumer or auto exposure, and a reactive collections process are reasons to want earlier visibility. The earlier a change is visible, the more ways there are to respond, so review and outreach can start while the options are still open.
▸ Get notifiedARCSentinel helps teams decide where to look first. It doesn’t predict default or guarantee outcomes.
WHO IT IS FOR
Built for every seat
at the table
[OPERATING USER]
Credit-risk, portfolio, servicing, and collections teams
Prioritize attention where changing signals suggest a deeper review may be warranted.
[CHIEF CREDIT OFFICER]
A more proactive portfolio-risk posture
Expand the institution's options before problems become more severe.
[CONSUMER-LOAN PORTFOLIO OWNERS]
Meaningful consumer, auto, or card portfolios
Credit unions with consumer or auto exposure and banks with significant consumer or card portfolios.
Bring the segment you are most concerned about.
Tell us about your consumer, auto, or card portfolio and how changing risk is found today. We’ll let you know when ARCSentinel opens. An educational conversation first.