Overview

Metro Bank, a fast-growing retail bank in the UK, faced a unique challenge when it launched in 2010: reconciling rapidly increasing transaction volumes while maintaining operational efficiency. As a startup bank, reconciliations were initially performed manually in Excel. But with exponential growth, Metro Bank quickly recognized that manual processes would not sustain its long-term scalability.

Since implementing Trintech’s solution, Metro Bank has streamlined reconciliation across the organization, reduced manual workload, and equipped teams with the tools to maintain exceptional levels of accuracy and efficiency. Today, Trintech processes over one million transactions daily across 5,000 accounts, achieving a 99.9% match rate and serving as “one of the best defense lines in the Bank” for Metro Bank.

Why Metro Bank Chose Trintech

When evaluating vendors, Metro Bank considered several solutions through demos but ultimately selected Trintech because of:

• Flexibility: No restrictions on accounts or transaction volumes
• Customization: Ability to configure the system internally to specific business needs
• Ease of Use: Minimal disruption to colleagues outside the reconciliation team
• Training & Support: Trintech’s expert team guided Metro Bank’s implementation and continues to support innovation

“Other vendors restricted the number of accounts or transactions you could process,” shared Waciorski. “Trintech’s flexibility, customization, and strong training made it the clear choice.”

Implementation & Transition

Metro Bank credits Trintech’s training and system flexibility with making the transition smooth. The reconciliation team became experts in managing changes internally—separate from the wider bank’s change process—which meant they could deploy fixes or new rules in hours, not weeks. “From start to finish, if need be, we can turn something around within an hour—which would be unheard of anywhere else in the bank.”

Metro Bank also designed processes to minimize the burden on non-reconciliation staff. For example, reconciliation exceptions are communicated directly to more than 100 business owners across the bank without requiring them to log in to the Trintech solution. Today, 14 teams actively use Trintech, with information feeding into around 90 branch locations daily.

Results & ROI

The ROI has been significant, both in cost savings and operational efficiency.

• Headcount Efficiency: The reconciliation team shrank from 15 FTEs to just 5 FTEs while the bank grew 1000x in size
• Time Savings: Exception management processes that once took 3 hours daily now take only 10 minutes
• High Match Rates: Achieved a 99.99% match rate, ensuring accuracy across one million daily transactions
• Scalability: While other departments doubled or tripled staff as volumes increased, Metro Bank’s reconciliation team remained lean thanks to automation

Robert Waciorski shared, “Without automation from Trintech, it would be impossible to accomplish the work that we do, both in quality and in volume.”

Trintech Connect also played a pivotal role in Metro Bank’s success. “Attending Trintech Connect was a game changer for us. Speaking with Trintech’s technical team and other customers highlighted the art of the possible with SQL. Once we secured access, we were able to cut a manual process from three hours a day down to just 10 minutes. That single change alone has saved the team thousands of hours annually.”

The system has also enabled continuous improvement. Metro Bank has created over 500 customized rules to adapt reconciliations to its evolving business needs.