Financial services is one of the few industries where the technology and the regulatory model are inseparable. We design and build platforms for banks, insurers, asset managers, fintechs and the firms that serve them — engineered for the controls auditors and regulators expect.
Most of our financial-services engagements involve at least one regulator and at least one auditor as a stakeholder. We design accordingly — the controls story is part of the architecture conversation, not a bolted-on phase.
Where we focus
Payments and money movement
Card, account-to-account, cross-border and real-time rails. Routing, reconciliation, dispute and risk tooling — built for idempotency and the audit trail the rails actually require.
We have built payment platforms on top of every major UK and EU rail and most US rails. The technical choices look similar; the rules of engagement with each scheme are sharply different. We design for both.
Lending and credit
Origination, decisioning, servicing and collections platforms. Decision systems that combine traditional credit signal with model-based insight — and the explainability story that regulators are increasingly asking for.
Model-risk requirements have tightened sharply over the past three years. We design lending decision systems with model cards, lineage, override audit trails and the documentation the second-line risk function will ask to see.
Capital markets and wealth
Trading, post-trade, custody and wealth-management platforms. Latency-sensitive where it counts; instrumented for the controls that come with the territory.
Capital markets engagements live or die on operational risk. We work with operations, technology and compliance as a single delivery team rather than three sequential approvers.
Insurance
Underwriting, policy administration and claims platforms. Strong opinions on document understanding, claims automation and the AI-supported casework that is now table stakes.
Insurance is one of the sectors where applied AI has the clearest path to ROI — claims, underwriting and prior-auth all run on document understanding at scale. We design these platforms so the AI is a contributor inside the workflow, not a separate system the case handler has to remember to use.
Compliance and risk
KYC, transaction monitoring, fraud and the regulatory-reporting pipelines that sit alongside every other system. Done well, these are not a tax on the operating business — they are part of how it earns trust.
How we work
Programmes are sized for the regulatory cadence as well as the commercial one. We schedule technical decisions and assurance evidence in parallel so the regulator approval is on the critical path of the launch plan, not a surprise at the end.