Finance

Accelerating Enterprise Finance with Intelligent Systems

Deploy AI solutions engineered for regulated financial environments, automating complex compliance workflows, enhancing risk assessment, and delivering institutional-grade security across trading, lending, and wealth management.

Book a 2-week architecture sprint All markets

What we design for

Directional planning targets, not guaranteed results from a published case study.

  • SOC 2 Type II & PCI-DSS certified
  • Real-time processing at 10,000+ decisions/second
  • 50%+ reduction in manual compliance time
  • Full regulatory explainability

Use cases

Where production AI shows up in finance

Example shapes we engineer around. Scope, integrations, and success criteria are defined per engagement.

01

Regulatory Change Intelligence

Never miss a compliance deadline, automate regulatory monitoring and impact analysis

The problem

Financial institutions face a tsunami of regulatory change, over 200 regulatory alerts per day across global jurisdictions. Compliance teams spend 100+ hours monthly just identifying relevant changes, mapping them to internal policies, and implementing updates. Missed requirements lead to fines (averaging $14 billion annually for the industry), consent orders, and reputational damage.

How we approach it

Deploy AI that continuously monitors regulatory sources across all relevant jurisdictions, automatically identifies changes that impact your institution, maps them to affected policies and procedures, and generates actionable implementation plans. Transform regulatory change from a reactive scramble into a proactive, automated workflow.

How it works

  1. 01Continuous monitoring of 2,500+ regulatory sources across 190 jurisdictions
  2. 02AI classification determines applicability to your specific business lines and entities
  3. 03Automatic mapping to affected internal policies, procedures, and controls
  4. 04Impact assessment quantifies effort, timeline, and risk of non-compliance
  5. 05Workflow automation assigns tasks, tracks progress, and provides audit evidence

Impact to design for

Planning ranges, not audited case metrics.

-80%

Monitoring Time

From 100+ hours to automated tracking

0

Missed Deadlines

Complete visibility into regulatory calendar

+65%

Compliance Staff Efficiency

Focus on implementation, not research

-50%

Audit Preparation

Always-current evidence repository

Capabilities

  • 2,500+ regulatory source monitoring
  • Multi-jurisdiction coverage
  • Policy mapping automation
  • Deadline tracking and alerts
  • Audit-ready documentation
02

Real-Time Transaction Fraud Detection

Stop fraud in milliseconds with AI that sees patterns humans can't

The problem

Card fraud costs the industry $32 billion annually, and fraud attempts are becoming more sophisticated. Traditional rules-based systems generate excessive false positives (frustrating legitimate customers) while still missing novel fraud patterns. By the time investigators review alerts, the damage is done. Financial institutions need real-time detection that balances security with customer experience.

How we approach it

Deploy graph neural networks that analyze transaction patterns, device fingerprints, and behavioral signals in under 50 milliseconds. Our models identify fraud rings and unusual patterns that rule-based systems miss, while machine learning continuously adapts to new attack vectors, reducing both fraud losses and false positive friction.

How it works

  1. 01Real-time ingestion of transaction data with 100+ contextual signals
  2. 02Graph analysis identifies connections between entities across transaction history
  3. 03Behavioral models detect anomalies from individual customer patterns
  4. 04Risk scoring in <50ms enables inline authentication decisions
  5. 05Continuous learning from confirmed fraud and false positives improves accuracy

Impact to design for

Planning ranges, not audited case metrics.

+60%

Fraud Detection Rate

Catch sophisticated attacks rules-based systems miss

-40%

False Positive Rate

Fewer legitimate transactions blocked

<50ms

Detection Speed

Real-time decisioning at transaction time

$8.5M

Annual Fraud Loss Reduction

For a regional bank processing 50M transactions/year

Capabilities

  • Graph neural network analysis
  • Device fingerprinting
  • Behavioral biometrics
  • Real-time scoring API
  • Explainable alert details
03

Intelligent Credit Decisioning

From 5-day manual underwriting to instant, explainable credit decisions

The problem

Traditional credit underwriting takes 5-7 days, requires extensive manual document review, and relies on limited data that excludes creditworthy thin-file applicants. The result: lost deals to faster competitors, frustrated customers, and inconsistent decisioning across underwriters. Meanwhile, lenders need to maintain regulatory explainability and fair lending compliance.

How we approach it

Automate credit decisioning with AI that combines traditional bureau data with alternative data signals for instant, consistent, and fully explainable decisions. Our platform handles the full underwriting workflow, from document extraction to risk scoring to adverse action notices, while maintaining complete regulatory compliance and audit trails.

How it works

  1. 01Automated document extraction from financial statements, tax returns, and bank statements
  2. 02Data enrichment combines bureau scores with alternative signals (cash flow, industry risk)
  3. 03ML models trained on your portfolio generate risk scores with full explainability
  4. 04Policy rules engine applies credit policy overlays and exception handling
  5. 05Instant decisioning with automated adverse action and compliant disclosures

Impact to design for

Planning ranges, not audited case metrics.

90% Instant

Decision Speed

Same-day decisions for most applications

+25%

Approval Rate

Approve creditworthy thin-file applicants

-60%

Underwriting Cost

Automation reduces cost per decision

-15%

Default Rate

Better risk discrimination with more data

Capabilities

  • Document AI extraction
  • Alternative data integration
  • Explainable ML models
  • Fair lending compliance
  • Adverse action automation

Integrations

Connect to what you already run

No rip-and-replace. We wire into the systems of record your team already owns.

Core Banking & Lending

Pre-built connectors for major core banking platforms enable deployment in weeks, not months.

  • FIS Modern Banking

    Native integration for loan origination, servicing, and core banking data flows

  • Temenos Transact

    Real-time connectivity for customer data, transactions, and product information

  • nCino Cloud Banking

    Embedded decisioning within nCino origination workflows for seamless LOS integration

Security & Compliance

Financial-grade security certifications and data handling for regulated environments.

  • SOC 2 Type II Certified

    Independent audit verification of security controls, availability, and data integrity

  • PCI-DSS Level 1

    Highest level of payment card data security for transaction processing

  • Data Residency Options

    Deploy in your preferred region with data sovereignty guarantees for regulatory compliance

Regulatory Frameworks

Purpose-built for financial services regulatory requirements with explainability at the core.

  • Fair Lending (ECOA/Reg B)

    Adverse action reason codes and disparate impact testing for compliant lending

  • Model Risk Management (SR 11-7)

    Full model documentation, validation support, and ongoing monitoring

  • AML/BSA Compliance

    Transaction monitoring and SAR-ready reporting for suspicious activity

Building in Finance?

Bring the workflow or product job, the systems involved, and the constraints. We will tell you whether a sprint or pilot is the right next step.

Book a 2-week architecture sprint