A Future-Proofed Digital Transformation with Covenant Technology Solutions
Client Overview
- Industry: Financial Services (Consumer Lending & Indirect Financing)
- Size: 140 employees, serving thousands of customers
- Location: Headquartered in Milwaukie, Oregon, with 11 branch offices across five states
- Core Services: Direct consumer lending, indirect auto financing, loan origination, and servicing
The Client
Founded in 1958, Reliable Credit Association (RCA) is a privately held financial services institution with 11 branch offices across five states. It serves thousands of customers with consumer lending and indirect financing solutions. With 140 employees relying on secure, efficient systems, RCA needed a modern technology foundation to support long-term growth and security.
The Challenge: Legacy Constraints Hindering Growth
RCA faced critical roadblocks threatening sustainability:
- Outdated AS/400 Mainframe: The legacy loan origination system was difficult to maintain with a shrinking pool of skilled programmers.
- Single Point of Failure: Infrastructure was concentrated in Milwaukie, Oregon, making RCA vulnerable to power outages and natural disasters.
- Limited Remote Work Support: Employees lacked secure, flexible access to critical systems.
- Restrictive Security Policies: Outdated protocols prevented modern security enhancements, leaving RCA exposed to potential cyber threats.
- Rising IT Costs: Inefficiencies in infrastructure and cloud management were increasing operational expenses.
The Results: A Resilient, Secure, and Future-Ready RCA
| Challenge | Solution | Outcome |
| Aging AS/400 system | Migration to Azure Cloud & Virtual Desktop | Increased performance, scalability & reliability |
| On-premises data center risks | Geographic redundancy & failover planning | Eliminated single points of failure |
| Security vulnerabilities | Fortify framework + 24/7 MDR & SOC monitoring | Enhanced security posture with zero breaches reported |
| Limited remote work capability | Azure Virtual Desktop & M365 integration | Flexible, secure workforce enablement |
| Rising infrastructure costs | Azure optimization & tenant consolidation | Reduced IT spend while improving efficiency |
The Solution: Secure, Scalable, and Cost-Optimized Transformation
After an extensive year-long vetting process, RCA selected Covenant Technology Solutions for their expertise in cloud migration, cybersecurity, and financial industry compliance.
Key Upgrades Implemented
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Infrastructure Modernization:
- Migrated to Azure Cloud for a scalable, resilient infrastructure.
- Implemented Azure Virtual Desktop (AVD) to enable secure remote work across all locations.
- Deployed direct branch office routing to Azure, eliminating dependence on a single data center.
- Enhanced backup & disaster recovery with multi-region failover capabilities.
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Security Enhancements
- Multi-Factor Authentication (MFA) & Identity Management to safeguard access.
- 24/7 Managed Detection & Response (MDR) with SOC monitoring.
- Regular penetration testing and compliance-driven security enhancements.
- Email security upgrades to prevent phishing and ransomware attacks.
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Cost Optimization & Performance Gains
- Consolidated Azure tenants to eliminate redundancies, reducing monthly cloud spend.
- Optimized licensing & infrastructure usage, maximizing performance while minimizing costs.
Client Testimonial: A Strategic IT Partnership
Choosing Covenant was one of the best decisions I’ve made since joining RCA. Their transparency, deep technical knowledge, and proactive approach to problem-solving have given us complete confidence in our technology future.
— Brian Tuttle, Digital Transformation Lead, RCA
We feel immensely more secure now. The relationship with Covenant has transformed how we approach technology.
— James Herr, Infrastructure Manager, RCA
Looking Ahead: A Future-Proofed Foundation for Growth
With Covenant’s continued support, RCA is now positioned for:
- The next phase of digital transformation includes modernizing their core lending platform.
- Scalable growth, allowing rapid expansion without compromising security.
- Ongoing security & compliance enhancements, ensuring they meet financial industry regulations.
Why RCA Chose Covenant Technology Solutions
- Security-First Approach: Layered cybersecurity enhancements that enable rather than restrict business operations.
- Proactive Problem Solving: No-blame culture focused on solutions, prevention, and future-proofing IT environments.
- Expertise Across Azure & M365: Deep knowledge in cloud optimization, licensing, and secure infrastructure management.
- 24/7 Availability & Collaboration: A trusted partner, not just a vendor, ensuring RCA’s long-term success.
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