Synctera

Back and fully recovered from my first Synctera all-hands post acquisition! ✈️ A few things stood out: 1. The culture fit between Cable and Synctera is amazing. We share the same bias toward action, emphasis on clarity and ownership and belief that compliance done right is what lets banks and fintechs actually move fast. 2. I’m a firm believer that in-person time is critical to sustaining velocity and enabling problem solving. Meeting everyone in Toronto was as important to building team dynamics and connecting the dots as it was energizing. 3. I gave a talk with Conway Ekpo, AIGP, CIPP/US and Christina Luers, CRCM on compliance as a competitive advantage. The short version: most compliance teams operate like a workshop. Skilled people, custom tools, one-at-a-time work. But when ambitions are high and emphasis on compliance is real, you need to build a factory. 4. Scaling a compliance program is not just about automating labor-intensive tasks. It's about building systems that are reusable, configurable, and observable. The result? Fintechs launch in weeks instead of quarters. Banks can run more programs with less risk per bet. At the end of the day, compliance should enable capacity, not just protection. Huge thanks to Peter Hazlehurst, Ellen Linardi, and the whole team for the warm welcome! Let’s do this! 🚀

Congratulations to our customer Stake on the launch of their cash and credit building product for renters with Synctera! 🎉 Stake is on a mission to accelerate renter wealth by bringing an entire financial ecosystem to the renter <> landlord relationship. During our company all-hands in Toronto last week, we celebrated the launch live and in–person together as the account opening began and initial deposits were made 💰 Through Stake, renters at participating properties get banking services, rent-payment tools, and cash back and credit building incentives for on-time rent payments. Property managers get a backend suite for rent collection, delinquency management, and resident engagement. We’re excited to continue supporting Stake’s growth by providing the infrastructure necessary to scale great embedded finance products. 

Last week, the entire Synctera team came together in Toronto for a week of collaboration, alignment, and action. With team members spread across the US and Canada, there's nothing quite like being in the same room. This year's all-hands was all about building. Not just the Synctera Platform, but our capabilities as a team: 🎯 Aligning on our strategic priorities for the year ahead 🤖 Exploring how AI will transform the way we work and rolling up our sleeves to build our own AI agents 🤝 Partnering cross-functionally to tackle high-impact work together The energy in the room was electric. Across all teams, from sales to compliance, Syncterans leveled up the way they work to power the future of FinTech and embedded finance. We already can’t wait for the next one! 🎉

Non-bank lenders have a blind spot baked into their model. The moment funds hit a borrower's bank account, the lender loses visibility entirely. No insight into whether capital is being deployed productively, no signal if a borrower is starting to struggle, and limited options to add value beyond the original loan. Embedded finance closes that loop. By offering bank accounts and cards alongside their core lending products, non-bank lenders can build a complete financial ecosystem, unlocking three powerful flywheels: 💰 Revenue: Earn interchange on card spend and revenue from deposits, providing new revenue streams not tied to credit risk. 🛡️ Risk: Real-time visibility into cash in/out and spend behavior lets lenders build smarter underwriting models and get ahead of delinquency before it happens. 📊 Data: Understanding borrower behavior opens the door to smarter cross-selling, expanded product lines, and even negotiated vendor partnerships that create value for everyone. The disbursement of funds doesn't have to be the end of the value a lender provides. With the right embedded finance strategy, it can be just the beginning. Learn more in the guide from our CFO, Matias Pino 👇 https://lnkd.in/gJvhTm68

Synctera is excited to announce that it has acquired Cable. Cable automates control testing for banks and FinTechs, providing companies with complete visibility into whether or not they are complying with regulations and agreed procedures. Synctera provides the orchestration layer for all of the components banks and FinTechs need to offer embedded finance, including the compliance technology. Cable sits on the other side of the equation to independently verify that the compliance controls in place are working as intended. Together, we’re able to power the future of finance with an end-to-end platform that prioritizes visibility, control, and compliance. Learn more about Cable and what this acquisition means to the FinTech ecosystem in the post below. https://lnkd.in/g-yFv49y

We made sure to end Fintech Meetup on a high note 🎶 🎸 Yesterday, Synctera hosted two separate events that brought the FinTech community together: 1. The day started with a breakfast panel, co-hosted with Coastal, where we heard from banking and FinTech operators on how both sides can work together to build strong partnerships. 2. We ended the night with FinTech After Dark, a jam-packed party put on by Synctera, Coastal, and Sphinx. Everyone from across the FinTech ecosystem came together to rock out to live music and discuss the future of finance. We're already looking forward to seeing everyone at the next event 👋

Today, Synctera turns 6. 6 years ago, we set out with a clear thesis: banks and FinTechs need a modern, flexible platform to launch new products together with compliance built into the foundation. No "move fast and break things" - just thoughtful, clear and sensible building. Here's what 6 years of sticking to that original vision looks like: - 2026 starting off with record new customer signings - Bank partners trusting to serve as the infrastructure for their embedded finance programs and to operate key processes, like reconciliation, at scale - New Synctera-powered bank accounts almost tripling YoY - An incredible leadership team, including our first General Counsel Banking has always prioritized accountability, trust, and protecting people's money. Even if it comes at the cost of speed. We never lost sight of that. I wrote about our journey over the past 6 years and how we are thinking about the road ahead. Even the parts I am not as proud of (like our original name of Entangle). Cheers to the past 6 years of Synctera. The next 6 start now. P ps... want to build, hit me up at FTMU -> we're camped out at the House of Blues for the next few days here in Vegas. https://lnkd.in/gPKhDypY

Hey friends, at Fintech Meetup we’re hosting a panel discussion with our long-time partner Coastal about forming strong relationships between banks and FinTechs. I’ve seen dozens of different bank-FinTech partnerships at Synctera, and the ones that are the most successful are built on a foundation of trust and collaboration. Looking forward to having some of our customers and partners (Fancy, Float, Coastal) each share their own unique perspectives on how both sponsor banks and FinTechs approach building out these relationships and what ultimately matters for long-term success. We only have a few spots left so register here before it fills up. See you there. https://luma.com/i9pn6a1h

Creating a complete financial ecosystem through embedded finance creates flywheel effects for non-bank lenders 🔁 Our Chief Financial Officer, Matias Pino, breaks down the embedded finance use cases for non-bank lenders and the way it enhances their overall business model. Check out the full article below to learn more 👇