Roles and Responsibilities

Overview

Roles and Responsibilities lets you take ownership of certain operational decisions within the Unit ecosystem, such as application reviews and payment decisioning, that would otherwise be handled by your bank or by Unit on behalf of your bank.

With this feature, you decide who within your organization handles key operational decisions and how: your team, an automated workflow, or a third-party vendor.

In other words: Unit provides the platform, data, and tools. You make the decision.

Why it matters

When you build embedded finance with Unit through our Custom implementation path, you are the program manager. Unit is designed to handle the operational complexity of running a fintech program by default, so you can go live without standing up a full compliance and operations stack. But some companies have good reasons to own specific functions, and this feature exists to make that possible, on your timeline.

Common reasons to take on more control:

• You have an existing KYC team and want to keep them in the loop on manual reviews
• Your risk model depends on proprietary data that should influence payment decisioning
• You want faster onboarding approval times by applying internal customer context
• Your program has matured to a point where dispute handling makes sense in-house
• Your business serves a specialized industry where supporting non-standard payment workflows is critical to customer adoption, and your team is better positioned to evaluate those transactions using customer and industry context.

How it works

Some workflows, such as reviewing an application, processing a payment, or approving a check deposit, include steps that require a judgment call: approve or deny.

By default, those decisions are handled by Unit on behalf of your Bank Partner. With Roles and Responsibilities, that authority can be delegated to you, allowing you to:

• Review and make decisions directly in the Unit dashboard or via the API, with full audit visibility
• Define who within your organization handles each process
• Apply custom decision logic and procedures tailored to your use case
• Use your familiarity with your customer base, combined with internal or third-party data, to make better decisions

Unit continues to provide the infrastructure: workflows, data, and system controls, while you take control of the decision layer.

Suggestion

Example: Imagine a property management SaaS platform added banking for its landlord customers. As their deposit volumes grew, they wanted to apply their own business logic to check deposit reviews — flagging large or unusual deposits for a human on their team before funds were released, rather than relying on Unit's default handling.

Using Roles and Responsibilities, they took ownership of check deposit reviews. When a deposit comes in, Unit surfaces it in the dashboard with full transaction detail and account history. Their team reviews it, makes an approve or deny decision, and Unit processes accordingly — with a complete audit trail maintained throughout. Unit still handles everything else: the ledger, reconciliation, statement generation, and bank reporting.

Getting started

If you are interested in taking ownership of specific decision flows:

1. Contact Unit and let us know which workflows you would like to own. We will work with you and your bank to get the necessary approvals.
2. Have your review procedure approved by your bank. Unit will provide documentation templates, procedure suggestions, and support throughout.
3. Set up your integration or staff training.

Responsibilities and available decision flows

The table below covers every area where responsibility can be shared or transferred. The last column shows which flows are currently available for client ownership.

Responsibility	What Unit handles by default	What you can own	Available for client ownership
Identity verification (KYC/KYB)	Built-in KYC/KYB workflows trigger automatically when you create an Application via API. No separate vendor, manual review team, or identity integrations required.	You can enhance the flow, own manual reviews, or take over the process entirely using your own vendor stack if your bank approves.	Yes — Applications (individual and business). Subject to bank approval
Fraud logic decisioning	Unit has built-in fraud controls at onboarding and ongoing controls on transaction level.	Upon bank approval, you can ask for logic changes and threshold adjustments. You can also bring your own vendors and own the fraud logic on your end.	Yes. Subject to bank approval
Payment and transaction decisioning	Payments are native to Unit. You create them via API; Unit enforces account policies (limits, velocity rules, terms) automatically.	You can layer in custom logic on top of Unit's defaults, or take over decisioning entirely for specific payment types.	Yes — Wire payments (outgoing) Yes — Wire payments (incoming) Yes — Check deposits Subject to bank approval
Dispute handling	Unit provides dispute management workflows and 24/7 escalation support, covering Regulation E compliance for consumer accounts.	You can choose to own this entirely, building your own case management process and team.	Yes — contact Unit to discuss. Subject to bank approval
Anti-money laundering (AML) monitoring	Unit's platform integrates with your partner bank's AML monitoring system. Flagged activity is reviewed and acted on by the bank.	No client ownership option. Handled at the bank level.	Not available for client ownership
Ledger	Unit tracks all money movements on an account-level ledger across deposit, wallet, and credit accounts. You assign policies; Unit enforces them.	You can build secondary or sub-ledgers on your side for specific use case logic. Core ledger remains with Unit.	Partial — secondary ledgers on the client-side
Reconciliation	Unit integrates directly with the Federal Reserve and card networks. Transactions are reconciled at the system level.	No client ownership option — handled at the Unit infrastructure level.	Not available for client ownership
Statements, tax forms, and IRS filing	Unit automatically generates compliant account statements and files 1099-INT directly with the IRS. All forms accessible via API and Dashboard.	No client ownership option — handled by Unit.	Not available for client ownership
Bank reporting and oversight	Unit gives your partner bank real-time visibility into all program activity. You do not need to build separate reporting pipelines.	No client ownership option — managed between Unit and the bank.	Not available for client ownership