Evidiam
Card issuing compliance

Prepare sponsor-bank evidence for card issuing and prepaid programs.

Card programs need proof across disputes, chargebacks, fees, complaints, sanctions, fraud, disclosures, processor operations, and customer-funds controls. Evidiam organizes that proof into a bank-readable record.

Strong fit for the first design partner if the bank request is card-program diligence.
DD response workspace
Sponsor-bank request to portable record
Sanitized
Sponsor Bank DD Request.xlsx

First Partner Bank

Response building
Extracted asks
42
Approved
31
Open
11
Bank askStatusEvidence
BSA/AML program overview
ApprovedReady
Cardholder dispute controls
Evidence2 files
Sanctions screening workflow
Review1 open
Next approval

AI parsed tab BSA & OFAC into source-backed asks. Compliance approval is waiting.

Portable record
Source excerpt kept
Evidence reusable
Bank response scoped
Where it fits

Built around the request the bank actually sends.

Cards
program controls mapped
FBO
funds evidence connected
Cases
disputes and complaints linked

Card evidence is operational

The proof often lives in processor exports, dispute tools, complaint logs, monitoring files, policies, and reconciliation reports.

Banks need program visibility

Sponsor banks need confidence in consumer compliance, fraud controls, sanctions screening, settlement, and funds controls.

The same evidence recurs

Annual reviews, new-bank diligence, audits, and product changes frequently ask for overlapping card-program proof.

The workflow

From request intake to reusable evidence.

  1. 01

    Parse card-program asks

    Extract requirements from bank DD lists, card-program addenda, audit requests, and operating reviews.

  2. 02

    Inventory source files

    Scan folders or upload exports for disputes, chargebacks, complaints, fees, sanctions, fraud, and reconciliation.

  3. 03

    Match evidence to asks

    Link source files and reports to each approved bank request with owner, date, status, and review notes.

  4. 04

    Produce the card packet

    Export a bank-ready packet that explains controls, evidence coverage, gaps, and signed responses.

Evidence model

Evidiam connects source proof to the response the bank needs to review.

What this replaces

  • Unstructured card-program data rooms
  • Manual evidence matching
  • Repeated bank review prep
  • Lost context between processor reports and bank asks

Evidence Evidiam can organize

  • Dispute and chargeback reports
  • Complaint logs and resolutions
  • Fee schedules and disclosure controls
  • OFAC and fraud monitoring evidence
  • Processor and settlement exports
  • FBO and customer-funds reconciliation

Bank packet can include

  • Card-program control map
  • Consumer compliance evidence
  • Fraud and sanctions proof
  • Dispute and complaint summaries
  • Funds and settlement reconciliation
  • Open gaps and remediation plan
The result

The card program gets an evidence layer a bank can understand.

Evidiam does not process cards or move funds. It creates the accepted evidence record around the card-program controls a sponsor bank needs to review.