Clearflow is an AI employee that autonomously manages first-party debt collections around the clock — handling outreach, payment negotiations, compliance checks, and escalations. No legacy software. No manual dialing. Just results.
Built for institutions managing
AI initiates contact via voice, text, and email at the optimal time for each borrower — determined by behavioral models, not rigid schedules.
Every communication is logged, audited, and screened against CFPB, FDCPA, and state-level rules. No risky improvisation — ever.
Accounts are scored and re-prioritized continuously as new payment data arrives. The agent acts on opportunities before your team would even see them.
Connects to your existing core banking platform — Jack Henry, Fiserv, Finastra — via secure API. No ripping and replacing. Live in weeks.
Negotiates payment arrangements within your defined guardrails, escalates complex situations to your staff — and handles the routine ones without interrupting anyone.
A live dashboard shows recovery rates, account status, agent activity, and compliance logs. Full transparency, no black boxes.
Secure API integration with Jack Henry, Fiserv, or Finastra pulls in account data, payment history, and contact information. Setup takes under two weeks.
Set the rules that matter — acceptable payment amounts, escalation triggers, channel preferences, and compliance thresholds. Clearflow operates within your policy, every time.
Clearflow prioritizes accounts by delinquency age, predicted payment probability, and channel response rates — then initiates outreach, follows up, negotiates within your parameters, and logs everything for compliance.
Complex disputes, legal mentions, hardship cases — these get flagged and routed to your staff with full context. Routine accounts never touch your team. Edge cases land with everything they need.
"Community banks and credit unions are caught between two bad options: expensive enterprise platforms designed for large institutions, or understaffed manual operations that can't keep up. Clearflow is built for the middle market — priced for a $500M bank, built for the complexity of a $5B institution."
Clearflow works while your team focuses on relationships. Autonomous outreach, full compliance, real-time reporting — from day one.