Five Stakeholders. One App.
Built for the people who run banks.
RFX serves five core personas across the bank executive team. Click any role to see how they use RFX, what pain points it solves, the dashboards they live in, and which regulators care about their workflow.
The Five Personas
Click any role. See the workflow.
Each persona panel includes their pain points, RFX’s response, the dashboard they live in, and the regulatory framework their role operates under.
Persona 01
CFO
Persona 02
Board Director
Persona 03
Chief Risk Officer
Persona 04
Investor Relations
Persona 05
M&A Analyst
Chief Financial Officer
The morning briefing, before the door opens.
“I need to know what changed since yesterday before I walk into the board room, and I need it in language the board chair will understand.”
Pain Points Today
- Multiple disconnected tools: Bloomberg, SAS, Excel, PowerPoint
- 40+ analyst hours per board cycle assembling materials
- Peer comparison requires a $25K Bloomberg add-on
- No drill-down: deck numbers don’t link to source data
- Stress scenarios outsourced to consultants ($15K each)
How RFX Responds
- One iPad replaces Bloomberg + SAS + Excel
- 4-page board PDF in 60 seconds via RabidFox Drill Method
- 15-bank peer cohort built-in, configurable
- 3-level drill: dashboard → chart → FFIEC line item
- DFAST/CCAR scenarios run in under 5 seconds
Executive Summary · The CFO’s morning anchor
Regulatory Relevance
CFOs operate under the densest regulatory framework in the bank.
Federal Frameworks
- FFIEC 031/041/051 — quarterly call reports
- SR 11-7 — model risk management (Fed)
- Basel III — capital adequacy reporting
Examiner Touchpoints
- OCC/FDIC/Fed CAMELS rating components
- SEC 10-K and 10-Q financial disclosures
- External auditors — PCAOB-aligned reviews
Board Director
Three bank boards. One framework.
“I serve on three bank boards. I need the same analytical depth across all of them, in language that respects my fiduciary duty without burying me in technical detail.”
Pain Points Today
- Every bank uses a different reporting format
- Board packs arrive Friday evening for Monday meetings
- Hard to compare performance across portfolio banks
- Independent directors lack analytical infrastructure
- Technical jargon obscures the actual decisions needed
How RFX Responds
- Same framework, every bank you serve as a director
- Pre-meeting iPad review — minutes, not hours
- Standardized peer benchmarking across portfolio
- Board Summary dashboard built for directors
- Plain-English AI explanations for technical metrics
Board Summary · Same framework, every bank
Regulatory Relevance
Directors carry personal fiduciary liability under multiple statutes.
Federal Frameworks
- Sarbanes-Oxley Section 404 — internal controls
- OCC Heightened Standards — large bank boards
- FDIC Director Resource Guide compliance
Examiner Touchpoints
- Examiner board interviews — standard cycle practice
- Audit committee independence reviews
- Compensation committee peer benchmarking
Chief Risk Officer
If they ask in five minutes, I should have it in three.
“When the Fed examiner asks for an adverse-scenario answer in a meeting, I should have it before they finish the question. That’s the bar.”
Pain Points Today
- Stress testing waits on weekly batch jobs
- Credit quality drill-downs require multiple SAS queries
- Concentration risk hidden in 200+ Excel tabs
- ALM and IRR sensitivity locked in Empyrean reports
- No way to demonstrate continuous risk surveillance
How RFX Responds
- DFAST/CCAR scenarios run on-demand in under 5 seconds
- Real-time credit quality with peer benchmarking
- CRE/CRE-vintage concentration views built-in
- ALM, NIM sensitivity, IRR shocks — all on iPad
- Continuous surveillance — not point-in-time snapshots
Stress Lab · The CRO’s scenario engine
Regulatory Relevance
Post-2023 the CRO role has the most expansive regulatory exposure.
Federal Frameworks
- DFAST/CCAR — stress testing standards
- FR Y-14 series — capital reporting
- SR 12-17 — risk appetite frameworks
- SR 23-4 — liquidity risk (post-SVB)
Examiner Touchpoints
- OCC Risk Assessment System reviews
- Fed horizontal exams on large banks
- FDIC RMS for community banks
- SR 11-7 model risk management
Investor Relations
Earnings prep, without the all-nighter.
“Every quarter I spend a week assembling peer comparisons, analyst Q&A prep, and earnings call talking points. RFX gives me everything I need before lunch.”
Pain Points Today
- Peer comparison requires manual Bloomberg pulls
- Analyst Q&A prep done at 11pm before each call
- No standardized framework across quarters
- Hard to anticipate sell-side analyst questions
- Earnings deck assembly = manual Excel + PowerPoint
How RFX Responds
- Peer Lens: 15 banks side-by-side, always current
- RabidFox AI generates plain-English Q&A talking points
- Same framework every quarter — consistency wins
- Anomaly detection surfaces what analysts will ask
- Time Travel for multi-quarter trend narratives
Peer Lens · The IR team’s earnings prep anchor
Regulatory Relevance
Public-bank IR teams operate under strict SEC and FINRA frameworks.
Federal Frameworks
- Regulation FD — fair disclosure
- SEC 10-K/10-Q — financial filings
- Sarbanes-Oxley — certified disclosures
- FINRA Rule 2210 — investor communications
Examiner Touchpoints
- SEC Division of Corporation Finance reviews
- Sell-side equity research Q&A
- Buy-side institutional meetings
- Earnings call transcripts (public record)
M&A & Corp Dev
Diligence on five targets, before the term sheet.
“When we screen a bank acquisition, I need the same analytical depth across five targets in a week. RFX makes that possible — before we’ve signed an NDA.”
Pain Points Today
- Each target requires a fresh modeling exercise
- Public FFIEC data is hard to consume at scale
- Pro-forma capital impact modeled in Excel one-off
- Pre-NDA screens limited by data accessibility
- Diligence quality varies wildly across targets
How RFX Responds
- FFIEC data accessible for any U.S. bank target
- Same framework applied across all candidates
- Capital Action Planner for buyback/dividend/M&A
- Pre-NDA screens with full peer-relative context
- Consistent diligence quality every time
Capital Action Planner · Pro-forma in seconds
Regulatory Relevance
Bank M&A goes through one of the most rigorous regulatory approval processes.
Federal Frameworks
- Bank Holding Company Act — Fed approval
- Bank Merger Act — FDIC/OCC review
- Community Reinvestment Act impact
- Hart-Scott-Rodino — antitrust review
Examiner Touchpoints
- Fed Reserve Bank processing applications
- FDIC deposit insurance review
- State banking departments charters
- DOJ Antitrust — market concentration
Shared Workflows
Five personas. Three common workflows.
The CFO, CRO, IR Lead, and Board all share certain workflows — the moments when RFX creates the most cross-functional value.
Workflow 01
Pre-board materials
CFO drafts. CRO reviews stress overlays. IR adapts content for investor decks. Board director receives the polished pack on iPad Friday afternoon.
CFO
CRO
IR
Board
Workflow 02
Examiner interview prep
CRO leads stress scenarios. CFO prepares capital narratives. Board director rehearses governance answers. Same RFX framework, defensible across all questions.
CFO
CRO
Board
Compliance
Workflow 03
Earnings call cycle
IR pulls peer benchmarks. CFO certifies financials. CRO confirms risk narrative. Analyst Q&A talking points generated by RabidFox AI from peer data.
CFO
IR
CRO
Legal
One platform. Five workflows.
Whichever role you fill — or whichever ones you supervise — RFX serves your team with the same analytical depth your regulator expects.