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Industry

Financial Services.

PCI-DSS, SOX, and regional banking compliance engineered in from day one. Senior engineers shipping fraud detection, trading platforms, compliance engines, and core banking modernization for U.S. and international banks, lenders, and fintechs.

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PCI-DSS Level 1
Aligned
SOX (S-OX 404)
Aligned
FFIEC
Supported
SOC 2 Type II
In flight

The landscape

Financial services engineering is a regulated, audited, real-time discipline , not a SaaS playbook.

The reality across banks, lenders, and fintechs: every release crosses PCI-DSS or SOX scope; every model decision lands in a regulator's eye; every integration touches a core banking system that nobody can take down for a maintenance window; every audit asks for evidence collected two quarters earlier; and every vendor risk review takes longer than the build phase. Buyers don't want a generic SaaS shop with a finance slide. They want engineers who know that real-time fraud detection, audit-defensible decisioning, and core-banking integration are first-class concerns.

Prosigns has shipped to U.S. regional banks, top-50 lenders, capital markets firms, and growth-stage fintechs across North America and the Middle East. We design for evidence collection, audit-defensibility, and real-time operating reality on day one. CITADEL (security/compliance) co-pilots every engagement; CORTEX (AI/ML) and FORGE (custom software) ship the workload; FOUNDATION (data) handles the substrate. The bench in the proposal is the bench in production.

Where we ship

6 workloads, grounded in this sector.

Specific applications we’ve built and operated for financial services buyers. Every example below is grounded in a real shipped engagement.

  • 01

    +37%

    fraud catch rate

    Real-time fraud detection

    Streaming ML pipelines for card-not-present, ACH, wire, and synthetic-identity fraud. Two-tier models on the hot path, full audit logging, and analyst-facing case management.

  • 02

    −47%

    onboarding time

    KYC and onboarding orchestration

    Multi-agent KYC orchestration with identity verification, document classification, sanctions screening, and risk scoring. Human-in-the-loop checkpoints, BSA / AML examination-ready audit trail.

  • 03

    Trading and capital markets platforms

    Order management, execution algorithms, post-trade reconciliation, and market data infrastructure with sub-millisecond latency where the workload demands it.

  • 04

    0

    data loss across cutover

    Core banking modernization

    Strangler-fig migration off mainframe and legacy core banking with dual-running windows, replay infrastructure, and zero-data-loss cutover discipline.

  • 05

    Compliance and risk engines

    Real-time SAR/STR generation, model risk management (SR 11-7), CECL provisioning, and the regulatory reporting infrastructure examiners actually pull from.

  • 06

    Open banking and integration

    FDX-aligned APIs, account aggregation, payment initiation, and the consent-management infrastructure FCRA / GLBA compliance requires.

Quick read

In plain terms: we map the compliance frame, ship the core workflow, and operate the system with named owners and measurable targets.

  • - Real-time fraud detection: shipped for production teams.
  • - KYC and onboarding orchestration: shipped for production teams.
  • - Trading and capital markets platforms: shipped for production teams.

How we engage

4 phases, named in the SOW.

Each phase has a deliverable, an owner, and an acceptance criterion specific to financial services delivery.

  1. 01

    Risk model and regulatory frame

    Discovery starts with the regulatory frame: PCI-DSS scope, SOX controls, model risk management, and the examiner expectations specific to the workload. Architecture decisions land against the regulatory frame, not against generic best practices.

  2. 02

    Compliance-driven architecture

    Audit logging granularity defined before the first commit, encryption boundaries and key management settled up front, BAA / DPA chain documented, and evidence-collection pipelines designed in. Compliance is engineered, not bolted on.

  3. 03

    Real-time engineering discipline

    Streaming-first architecture for fraud, trading, and decisioning workloads. Latency budgets calibrated against user impact and counterparty SLAs, not engineering convenience. Failover and replay infrastructure tested under hostile conditions.

  4. 04

    Operating cadence with examiners in mind

    Continuous evidence collection, quarterly model risk reviews, monthly access reviews, and IR plan rehearsed quarterly. Examiners pull what they need in days; nothing assembled in panic the week before.

Practices in financial services

How each practice plays in this sector.

The capabilities below are scoped to the constraints financial services procurement actually enforces: compliance, audit, data residency, and vendor risk.

Featured intersection

AI for Financial Services: production fraud, KYC, and decisioning AI.

How we deploy generative AI, real-time ML, and agentic systems inside PCI-DSS and SOX-aligned environments. Audit logs, model risk management, and the operating cadence examiners actually pull from.

Open the playbook

Selected work

Quantified outcomes, not adjectives.

All case studies

Common questions

Asked before the first call.

  1. 01

    Are you PCI-DSS Level 1 aligned?

    Yes. We engineer to PCI-DSS Level 1 standards on every cardholder-data engagement. CITADEL co-pilots scope definition, network segmentation, encryption boundaries, and continuous-monitoring evidence. We support QSA-led assessments with the same evidence pipeline that runs SOC 2. One operating discipline, multiple frameworks.

  2. 02

    Can you ship to SR 11-7 model risk management standards?

    Yes. Every ML model we deploy in financial services ships with model documentation aligned to SR 11-7: development methodology, performance metrics, validation results, and ongoing monitoring. We co-author with your model risk function rather than handing off a black box.

  3. 03

    What about FFIEC and state-level supervision?

    FFIEC IT examination handbook is part of our default operating frame. State-level supervision (NYDFS Part 500, Texas DOB) layers on as the engagement requires. We design with the regulatory frame in mind from architecture, not retrofitted before exam.

  4. 04

    Can you integrate with our core banking system?

    Yes: FIS, Jack Henry, Fiserv, Temenos, Finastra, and custom mainframe cores are all in our active engagement portfolio. We design integrations as primary scope (not phase 2), with documented interface contracts, dual-write windows for critical paths, and explicit fallback for core unavailability.

  5. 05

    Do you support BSA / AML examination support?

    Yes. Audit logs, alert investigation tooling, SAR / CTR generation, and the examination-ready evidence pipeline are part of every fraud / AML engagement. We've supported clients through OCC, FRB, FDIC, and state-level examinations.

  6. 06

    What does a financial services engagement cost?

    Discovery and risk modeling: 4–6 weeks, $80K–$200K. Production builds: 4–9 months, $400K–$2M depending on regulatory scope. Multi-quarter modernization programs: $2M–$8M+. Managed Services for ongoing operations: $40K–$200K monthly retainer. Brackets published honestly so visitors self-qualify before the first call.

Talk to us

Bring a financial services problem. We’ll bring a senior engineer.

A senior engineer plus the relevant department lead joins the first call. No discovery gauntlet, no junior reps.

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