01
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.
Custom Software × Financial Services
Custom Software for Financial Services.
Trading platforms, core banking modernization, lending origination, and compliance engines: engineered against PCI-DSS, SOX, FFIEC, and the operational reality regulated financial services actually runs on.
- PCI-DSS Level 1
- Aligned
- SOX (S-OX 404)
- Aligned
- FFIEC
- Supported
- SOC 2 Type II
- In flight
The reality
Financial services software fails at the seams between regulated, real-time, and integrated : not at the codebase.
The pattern across banks, lenders, and capital-markets firms: a beautifully designed lending platform that doesn't integrate cleanly with the core banking system; a trading platform that survived the demo and broke under load; a compliance engine that requires a 6-week scramble before every audit; a core banking modernization that's been a multi-year program with shifting timelines; and a vendor risk review that takes longer than the build phase. Financial services software succeeds when regulatory frame, real-time discipline, and core integration are all primary scope.
Prosigns ships financial-services custom software with the regulatory and operating reality as primary scope. CITADEL co-pilots PCI-DSS, SOX, and FFIEC scope from kickoff. FORGE engineers handle integrations with FIS, Jack Henry, Fiserv, Temenos, Finastra, and the long tail of legacy core banking platforms as primary scope. NEXUS handles the platform on which the workload runs. The bench in the proposal is the bench in production.
Where it ships
6 workloads, scoped to financial services.
Concrete applications where custom software unlocks measurable value inside financial services delivery constraints.
- 02
0
data loss across 240+ migrations
Core banking modernization
Strangler-fig migration off mainframe and legacy core banking with dual-running windows, replay infrastructure, and zero-data-loss cutover discipline.
- 03
Lending origination platforms
Loan origination systems with audit-defensible decisioning, ECOA / Reg B-aware design, integration with credit bureaus and verification services, and the regulatory reporting examiners actually pull from.
- 04
Compliance and risk engines
Real-time SAR / STR generation, model risk management (SR 11-7), CECL provisioning, and the regulatory reporting infrastructure examiners pull from.
- 05
Open banking and integration
FDX-aligned APIs, account aggregation, payment initiation, and the consent-management infrastructure FCRA / GLBA compliance requires.
- 06
Customer-facing banking apps
Consumer and SMB banking experiences integrated with core banking through documented contracts. Multi-channel (web, iOS, Android), accessibility-first, and the audit-trail tooling consumer-protection regulations require.
How we engage
4 phases, named in the SOW.
Each phase has a deliverable, an owner, and an acceptance criterion calibrated to financial services delivery.
- 01
Regulatory frame and integration surface
Discovery includes regulatory frame (PCI-DSS scope, SOX controls, FFIEC expectations, state-level supervision) and integration surface (core banking, identity, fraud, payments). Architecture decisions land against the frame in writing, not in a vendor pitch.
- 02
Compliance-engineered architecture
Audit logging granularity defined before the first commit. Encryption boundaries and key management settled up front. BAA / DPA chain documented. Evidence-collection pipelines designed in. PCI scope and SOX boundaries minimized through explicit segmentation.
- 03
Real-time engineering for trading and decisioning
Streaming-first architecture for trading, fraud, and decisioning workloads. Latency budgets calibrated against user impact and counterparty SLAs. Failover and replay infrastructure tested under hostile conditions, not just happy path.
- 04
Phased delivery with examiner readiness
Phased rollout with documented rollback per phase, dual-running windows, and explicit user-cohort progression. Continuous evidence collection. The platform is examiner-ready continuously, not assembled in panic the week before exam.
Capabilities
What’s in scope.
- Trading and capital markets: order management, execution, post-trade
- Core banking modernization: strangler-fig migration, replay infrastructure
- Lending origination with ECOA / Reg B-aware decisioning
- Compliance engines: SAR / STR, CECL, regulatory reporting infrastructure
- Open banking and integration: FDX-aligned APIs, payment initiation
- Customer-facing apps: web, mobile, accessibility-first, audit-defensible
- Integration with FIS, Jack Henry, Fiserv, Temenos, Finastra, and mainframe
- Audit-trail tooling that survives OCC / FRB / FDIC / state-level examination
Stack
Tools we use in production.
- Languages
- TypeScriptJavaPythonGoC# / .NETKotlin
- Web frameworks
- Next.jsReactSpringFastAPI.NET
- Mobile
- Swift / SwiftUIKotlinReact Native
- Streaming
- Apache KafkaConfluentAWS KinesisApache Flink
- Core banking integration
- FISJack HenryFiservTemenosFinastraMainframe COBOL
- Compliance & audit
- VantaDrataSplunkDatadogCustom evidence pipelines
Compliance overlay
Frameworks we engineer to.
Every financial services engagement carries the evidence collection that procurement and audit teams expect on day one.
- 01
PCI-DSS Level 1
Cardholder-data scope minimized through tokenization, network segmentation, and explicit data-flow boundaries. Continuous-monitoring evidence pipeline supports QSA-led assessments without scrambling. We engineer to keep PCI scope contained.
- 02
SOX (Sarbanes-Oxley) 404
Workloads with material financial impact ship with SOX-aligned change management, evidence collection, segregation of duties, and the audit trail external auditors expect. Design lands against the SOX frame in writing.
- 03
FFIEC IT examination handbook
FFIEC-aligned IT controls integrated into delivery: change management, access management, business continuity, and information security. Examiners pull what they need in days, not weeks.
- 04
Reg B / ECOA / Fair Lending
Lending workflows engineered against ECOA / Reg B with adverse action reasoning, prohibited-basis variable handling, disparate-impact awareness, and the documentation fair-lending exam reviews require.
- 05
FFIEC FDX / Open Banking
FDX-aligned APIs for account data sharing, consent management infrastructure aligned to FCRA / GLBA, and the audit-trail tooling open banking flows require.
Selected work
Quantified outcomes, not adjectives.
- 01Financial Services
−42%
cloud cost vs prior architectureMulti-account AWS modernization for a US regional bank.
Replaced a single-account hand-managed AWS estate with a multi-account, IaC-backed organization. Centralized identity, transit gateway network, observability stack, and SOC 2-aligned evidence collection.
11 months
- 02Financial Services
+47%
first-call resolutionService Cloud reimplementation for a regional bank's contact center.
Replaced a 9-year-old Service Cloud org with re-engineered architecture. Omnichannel routing, knowledge articles tied to call drivers, and SLA enforcement at the queue level.
8 months
Where this fits
Open the parent practice or industry hub.
Common questions
Asked before the first call.
- 01
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.
- 02
How do you handle PCI-DSS scope?
Scope minimization through tokenization, segmentation, and explicit data-flow boundaries. We engineer the architecture to keep cardholder data contained and to support QSA-led assessments without scrambling. Continuous-monitoring evidence pipeline runs the same discipline that powers SOC 2.
- 03
Can you ship to SOX-grade change management?
Yes: workloads with material financial impact ship with SOX-aligned change management, evidence collection, and the audit trail external auditors expect. Segregation of duties enforced at the IdP and CI/CD layer, change reviews documented, and approval flows audit-traceable.
- 04
Do you do core banking modernization?
Yes: strangler-fig migration off mainframe, AS/400, and aging Java / .NET cores. We design migrations as phased cutovers with explicit data-model remap, dual-running windows, and documented rollback per workload. Most multi-year programs land with zero data loss across cutovers.
- 05
What about open banking and FDX?
FDX-aligned APIs, account aggregation, payment initiation, and consent-management infrastructure aligned to FCRA / GLBA. We've shipped open banking integrations for both producers (banks) and consumers (fintechs) with the audit-trail tooling regulators expect.
- 06
What does an FS custom-software 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: $40K–$200K monthly retainer. Brackets published honestly so visitors self-qualify before the first call.
Talk to us
Bring us a hard Custom Software problem. We’ll bring a senior Financial Services engineer.
A senior engineer plus the FORGE department lead joins the first call, both with prior financial services delivery experience.