Start with the queue that matches your job.

Open Deposit Morning Brief and clear risk exceptions before banker queues start.

7:45 AM

On pace

Work the first contact-ready operating-account calls and log outcomes before lunch.

Review high-fit treasury relationships and assign product next steps.

Pull purchase, refi, construction, and mover signals into today's outreach plan.

Approve, decline, or reroute pricing and stalled-value exceptions while bankers can still act today.

A banker should know what to do, who owns it, what proof will exist, and which telemetry protects renewal within 10 minutes of login.deposit_team_morning_sla_reviewed

Daily habit proof

20/30 morning actions are modeled complete before noon across CBO, BDO, treasury, mortgage, and manager lanes.

Tools replaced

CRM-for-deposits, Treasury analytics, Audit binder

Renewal signal

Watch renewal proof: the workflow is visible, but one or more lanes need manager intervention before Friday recap.

Next CDO move

Run the 8:30 huddle against BDO, Treasury, Mortgage, Manager and require proof before noon.

Morning Huddle Command Board

A CDO-ready decision board for the 8:30 huddle: what must be assigned, what proof is due, and which value cannot drift past noon.

deposit_huddle_command_reviewed

Huddle score

60%

Open decisions

Value to assign

$105M

Proof due

Noon

CDO instruction: Do not end the 8:30 huddle until 10 open decisions have an owner, proof artifact, and noon checkpoint.

Deposit risk

CDO

Name the single largest deposit-risk lane before bankers leave the huddle.

Confirm $20.3M in executive exceptions and assign the first proof artifact.

core_deposit_command_reviewed

First calls

Market manager

$39M

Lock the first-call block and do not let contact-ready operating-account work age past lunch.

Assign 3 untouched first-call actions before the team leaves the room.

Attach product depth before any retention call turns into a rate-only conversation.

6 treasury-fit reviews need ACH, RDC, positive pay, sweep, or merchant next step.

relationship_tradeoff_proof_reviewed

Manager approvals

Clear price, stalled-value, and exception blockers while bankers can still act today.

Resolve 5 manager decisions tied to $20.3M.

rate_exception_approval_reviewed

Proof pack

Make renewal proof non-negotiable: every huddle decision needs an artifact and telemetry.

$120M

Confirm 15 telemetry requirements are attached to today's deposit work.

deposit_team_morning_sla_reviewed

8:30 huddle run sheet

Four decisions, 15 minutes, every item tied to proof and owner accountability.

Export huddle proof

0-3CDO

Which deposit value is most exposed before noon?

CBO lane owns $20.3M and must clear 5 executive exceptions.

3-7Market manager

Which bankers need to call first and log outcomes before lunch?

7/10 first-call actions are modeled complete; inspect any untouched contact-ready relationships.

7-11Treasury lead

Where do we defend balances with treasury depth instead of rate?

6 treasury-fit reviews are due before 11:00 AM; attach ACH, RDC, positive pay, sweep, or merchant next step.

11-15CBO

Which manager decisions unblock revenue today?

Manager reset required: Approve, decline, or reroute pricing and stalled-value exceptions while bankers can still act today.

Noon Deposit Save Checkpoint

The lunch check: what is committed, what still needs rescue proof, and which manager action keeps the deposit plan from rolling into tomorrow.

Escalate

Checkpoint

12:00 PM

Committed

$15M

Needs rescue

$105M

Telemetry

Tracked

Manager move: Before 1 PM, clear 9 missing proof items tied to $105.1M before the day becomes a rollover.

Proof standard: A save only counts when the relationship has an owner, source-safe customer action, logged outcome, and product or pricing proof. Modeled intent alone does not count.

Board sentence: $14.9M is committed by noon; $105.1M still needs rescue proof, with 4 lanes requiring same-day manager attention.

Executive exceptions

Needs rescue

1 missing proof item | CDO

Name the specific balances the bank will defend today and assign a banker-owned next touch before lunch ends.

Deposit Morning Brief exception owner, source-safe next action, and noon checkpoint note.

core_deposit_command_reviewed

First-call outcomes

Needs rescue

$39M

3 missing proof items | Market manager

Move every untouched contact-ready operating-account call to a banker with capacity and log the outcome today.

Call outcome, next step, contact label, and follow-up date in the Daily Call Queue.

2 missing proof items | Treasury lead

Attach ACH, RDC, positive pay, sweep, merchant, or payroll routing proof before any retention offer becomes rate-only.

Relationship tradeoff proof and treasury product next step tied to the relationship record.

relationship_tradeoff_proof_reviewed

Manager approvals

Escalate

3 missing proof items | CBO

Approve, decline, or convert every pricing request into a relationship-priced tradeoff with max rate and product commitment.

Manager decision, pricing ceiling, product tradeoff, and follow-up owner captured before the 3 PM closeout pulse.

rate_exception_approval_reviewed

Noon deposit rescue plan

After the huddle, these are the same-day saves, tradeoffs, and approvals that cannot wait for tomorrow.

Noon to 3 PM

NoonCDO

1 executive exception still need proof after the morning huddle.

Pick the balances the bank will defend today, assign a named banker, and require a customer-safe next step before lunch.

noon_deposit_save_checkpoint_reviewed

Deposit Morning Brief

1:00 PMTreasury lead

6 treasury-fit reviews are due, but only 4 are modeled complete.

Attach ACH, RDC, positive pay, sweep, merchant settlement, or payroll routing before any rate-only retention offer is approved.

$25M

Treasury opportunity queue

relationship_tradeoff_proof_reviewed

2:00 PMMarket manager

3 first-call outcomes are still missing from the operating-account queue.

Move untouched high-value calls to a banker with capacity and log the outcome while same-day follow-up is still possible.

$39M

Daily Call Queue outcome log

two_pm_deposit_rescue_reviewed

3:00 PMCBO

3 pricing or stalled-value decisions still require manager action.

Approve, decline, or convert pricing requests into relationship tradeoffs with documented max rate and product commitment.

$41M

Execution Assurance Friday recap

rate_exception_approval_reviewed

3 PM Deposit Closeout Pulse

Close the day with proof: what funded, what was saved, what slipped, and what tomorrow's first huddle must attack.

deposit_closeout_pulse_reviewed

Funded / saved

$80M

Rolls tomorrow

$40M

Confidence

67%

Proof due

Tomorrow's first huddle: Tomorrow starts with $40.2M that did not have enough proof by closeout; assign owner, blocker, and next touch before the 8:30 huddle.

Funded or saved today

Confirmed

$80M

Core posting, account-opened attribution, or banker outcome showing the balance funded, renewed, or saved.

CDO

Treasury depth still needed

Needs proof

$8.4M

ACH, RDC, positive pay, sweep, merchant, or payroll routing next step attached before rate-only retention is counted.

Treasury lead

Manager decisions unresolved

Roll to tomorrow

$12M

Approve, decline, or convert every price exception into a relationship tradeoff with max rate and product commitment.

Owner, blocker, next touch, and morning deadline for each unresolved save, funding, or activation item.

Tomorrow first huddle

Roll to tomorrow

$40M

Market manager

Tomorrow Carryover Board

Anything that did not get proof by closeout becomes tomorrow's first huddle work, with owner, blocker, route, and telemetry already attached.

tomorrow_carryover_board_reviewed

Carryover value

$40M

Owners

Status

Ready for huddle

Rows

First huddle question

What proof was missing on $40.2M at closeout, who owns each rollover, and what customer-safe action happens before 8:30?

CDO instruction

Open /work before the morning queue, assign every rollover to an owner, name the blocker, and require the next touch before bankers start fresh calls.

Renewal proof: Shows no unresolved deposit-defense value disappears overnight; every rollover carries value, owner, blocker, route, proof due, and telemetry into the next business day.

Proof was not strong enough by closeout to count the value as funded, saved, or activated.

Treasury lead confirms the product next step, customer ask, and implementation owner before 8:30.

ACH, RDC, positive pay, sweep, merchant, or payroll routing next step attached before rate-only retention is counted.

tomorrow_carryover_board_revieweddeposit_closeout_pulse_revieweddeposit_team_morning_sla_reviewed

The relationship needs a named owner, next touch, and decision path before tomorrow's queue starts.

CBO clears the price decision, relationship tradeoff, or explicit decline before the first banker call.

Approve, decline, or convert every price exception into a relationship tradeoff with max rate and product commitment.

tomorrow_carryover_board_revieweddeposit_closeout_pulse_revieweddeposit_team_morning_sla_reviewed

The relationship needs a named owner, next touch, and decision path before tomorrow's queue starts.

Assigned owner logs the first customer-safe touch and attaches proof before the huddle ends.

Owner, blocker, next touch, and morning deadline for each unresolved save, funding, or activation item.

tomorrow_carryover_board_revieweddeposit_closeout_pulse_revieweddeposit_team_morning_sla_reviewed

Closeout value rolled forward without enough same-day proof to protect the weekly deposit plan.