top of page

Turning Vendor Problems into Leverage

We help credit unions turn vendor disputes into enforceable results — avoiding unfair fees, recovering losses, and restoring control over core and third-party relationships.

Leader in Credit Union Advocacy 
Our team has led some of the credit union movement’s most groundbreaking disputes with core processors and third-party vendors, including numerous precedent-setting matters against Fiserv.

Our advocacy helped credit unions avoid early termination and deconversion fees, invalidate overreaching contract terms, recover fraud losses, secure meaningful security and service enhancements, and ultimately build stable working relationships.  
 
Helping the Credit Union C-Suite 
We understand vendor disputes aren’t member issues — they’re business failures with contractual and regulatory consequences.

That’s why our team works directly with CEOs, CFOs, COOs, boards, counsel, and consultants, ensuring every engagement aligns with executive priorities and strategic goals.

Vendors are profit-driven counterparties with obligations. When performance slips, the fallout hurts members, examiners’ confidence, and reputation. Enforcing vendor obligations is a strategic advantage that strengthens member trust and finanical performance. 
 

third-party advantage credit unions

Working With Us

Core Principles

Vendors Should Earn Their Keep
Vendor relationships are a major cost center for credit unions. Performance and compliance aren’t optional — they’re the price of continued business.

Refunds & Clean Exits
If a third party fails to meet contractual or regulatory requirements, the credit union should receive a refund and a clean exit option.

Security Failure Accountability
When security controls fall short, the vendor — not the credit union — should absorb the fraud losses.

Use Audit Rights for Leverage
Proactive use of audit rights and internal quality inspections create leverage that shifts control back to the credit union.

Exposing Hidden Risks
Our process routinely uncovers gaps that marketing materials and standard audits exposing risks before they become losses.

Built for Impact

Credibility & Perspective
We are sought-after thought leaders with deep industry knowledge. Our analysis appears in industry trade publications, including the Credit Union Times and CU Daily. 

Quiet, Proven Results
Most matters are resolved out of court. Vendors know we preserve the record and are ready to litigate, giving credit unions credible leverage to achieve outcomes efficiently.

Strength in Numbers
When multiple credit unions face similar vendor misconduct, we organize coalitions to advance claims efficiently, reduce costs, and amplify influence.

Flexible Fees
Engagements are tailored with innovative fee structures: hourly, flat, subscription, or success-based — designed to fit your institution’s needs.

When to Engage 

Call us whenever a vendor:

​

  • Fails to meet security, uptime, or delivery commitments

  • Reduces service levels or increases costs mid-contract

  • Exposes the credit union to fraud losses

  • Imposes unfair deconversion fees or timelines

  • Mishandles fraud or member data

  • Withholds access to member information

  • Imposes surprise fees

  • Discontinues services or forces unwanted upgrades

 

We treat these issues as legal violations, turn frustration into enforceable leverage, and help your credit union regain control.

​

​

​

Turning Legal Risk Into Business Advantage

NERKO operates on a single unifying premise: legal risk is not just something to be managed, it’s a source of business advantage.

​

bottom of page