Depositor protection compliance for FDIC, FSCS, and DGSD-regulated banks.

Built for retail and challenger banks subject to depositor protection schemes in the US, UK, and EU.Built for retail and challenger banks subject to depositor protection schemes in the US, UK, and EU. Safeheld automates Single Customer View file accuracy testing, payout simulation, regulatory reporting, and examination evidence in a single continuously verified platform.

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Single Customer View accuracy

1.84M records tested · 214 exceptions remediating

Depositor identity

SCV mandatory

Pass

Aggregate balance

SCV mandatory

Pass

Single Customer View accuracy

Depositor records tested continuously against payout readiness requirements

SCV fieldsExclusionsPayout simulationExamination

FieldRuleRecords testedMatchedAccuracyFailuresTestedStatus

Depositor identitySCV mandatory1,842,1181,842,118100.00%006:00 todayPass

Aggregate balanceSCV mandatory1,842,1181,842,118100.00%006:00 todayPass

Eligibility flagSCV mandatory1,842,1181,841,90499.99%21406:00 todayRemediating

Contact addressSCV mandatory1,842,1181,842,118100.00%006:00 todayPass

Account statusSCV mandatory1,842,1181,842,118100.00%006:00 todayPass

Payout file generation7-day readinessFull populationGenerated 04:12Within window0WeeklyReady

AI RECONCILIATION ENGINE

AI-powered deposit guarantee reconciliation.

The AI engine reads your live reconciliation data and applies the correct regulatory framework automatically. Five structured actions, auto-match, explain exceptions, detect anomalies, generate board narratives, draft remediation plans.

FDIC Part 370DGSD Art. 5–8

Auto-match with confidence scoring

Fuzzy-matches client liabilities against safeguarded balances: with confidence scores on every pair

Exception analysis with citations

Root cause analysis for every unmatched item, citing the correct regulation

Board-ready narratives from live data

Institutional-grade reconciliation summaries generated from your current position

Explore AI Capabilities

Exception investigation queue

Each failing record carries a proposed cause and the rule it engages

Live · 06:12

Brokered deposits, 114 records

EX-9904

Beneficiary detail absent from the broker file, pass-through unverified

12 CFR 37092% confidenceCause proposed

Trust accounts, 48 records

EX-9902

Beneficiary count not aggregated into the coverage calculation

12 CFR 33087% confidenceCause proposed

Showing 3 of 162 open exceptions

Operational workflows. Mapped to live obligations.

SCV file accuracy testing: continuous

Single Customer View file accuracy is verified continuously, with data quality checks across all depositor records.

Deposit insurance record validation

Depositor records validated continuously, run closed 06:00 ET

Live · 06:12

Coverage

99.96%

at run close

Records

880k

in scope

In flight

items

Consumer deposits

Validated

642,118

Trust and fiduciary

48 exceptions

88,440

Record set Source systemInsurance fileStatus

Consumer deposits642,118642,118Validated

Trust and fiduciary88,44088,39248 exceptions

Business deposits118,006118,006Validated

Brokered deposits32,11832,004114 exceptions

Showing 4 of 880k depositor records

Payout readiness: 7-working-day simulation

Simulate the full 7-working-day payout process against current SCV data to identify bottlenecks and data gaps.

Case BR-7714

Record exceptions, brokered deposit pass-through

Open · 1h 28m

Exceptions

114 records

Coverage impact

Pass-through

06:00
Validation identified records failing the pass-through test
06:16
Cause proposed, beneficiary detail missing from the broker file
11:40
Broker data request issued, remediation pending

Every stage change is timestamped and attributable

Multi-jurisdiction depositor protection

Unified depositor protection compliance across FDIC, FSCS, and DGSD from one platform.

Regulatory output pipeline

Fields populated from continuous record validation

Updated 06:14

12 CFR 370

142/144 fields

Recordkeeping for insurance determination · US · FDIC

2 fields held pending BR-7714

DGSD Art. 5

96/96 fields

Covered deposit determination · EU · NCA

Ready for approval

Fields tied to an open exception are held back until the case closes

Regulatory returns and examination evidence

Call Reports, PRA returns, and NCA submissions auto-populated from live data, with examination evidence available on demand.

Related resources

View all

Frameworks

PS25 and PSD3 Convergence: What UK Firms Should Prepare For

How the simultaneous evolution of UK (PS25) and EU (PSD3) safeguarding frameworks is creating convergence pressure: and what dual-regulated firms need to know.

AI COPILOT

Ask questions. Get answers from live data.

Ask questions about your compliance position in plain English. Generate audit-ready reports and board narratives from live data.

Explore AI Capabilities

Safeheld AI

FDIC / DGSD Demo

Request a FDIC / DGSD demo.

A 30-minute working session. We map your current setup against FDIC / DGSD obligations and show you what Safeheld would automate.

Connect

Bank, ledger and processor data in one model

Reconcile

Liabilities against the funds that protect them

Resolve

Shortfalls and breaks routed for investigation

Prove

An auditable evidence trail behind every run

Get Started