Advisory-Led Payments, Risk & Financial Crime Transformation
Payments modernisation is no longer just a technology upgrade—it is a transformation of business models, risk controls, and regulatory accountability.
We help banks, financial institutions, and platforms modernise payment systems, migrate to ISO 20022, and strengthen fraud and AML controls—safely, compliantly, and at scale.
Our solutions are consultancy-led, vendor-neutral, and regulator-aligned, focused on delivering measurable outcomes rather than implementing tools.
Payments Transformation Consulting
Modernising Payment Systems with Confidence
Payment infrastructures are under pressure from:
- Real-time settlement
- Increasing transaction volumes
- Legacy system constraints
- Heightened fraud and compliance risk
We support institutions with:
- Payments strategy and target-state design
- Modernisation of ACH, instant, and cross-border rails
- Operating model and process redesign
- Resilience, scalability, and performance optimisation
- Regulatory and scheme alignment
Outcome
A modern, resilient payments capability that supports growth without compromising stability or control.
ISO 20022 Advisory & Migration
A Data, Control, and Governance Transformation
ISO 20022 is not just a messaging change.
It fundamentally impacts payments processing, fraud detection, AML monitoring, and regulatory reporting.
We help institutions:
- Assess ISO 20022 readiness across business and technology
- Design coexistence and migration strategies
- Map legacy messages to ISO 20022 structures
- Leverage richer payment data for risk and compliance
- Meet scheme and supervisory expectations
Outcome
A controlled ISO 20022 migration that improves transparency, explainability, and long-term resilience.
Real-Time Payments Fraud Strategy
Protecting Customers on Irreversible Payment Rails
Real-time payments change the fraud equation:
- Transactions are irrevocable
- Social-engineering scams increase
- Post-event controls are ineffective
We design pre-authorisation fraud strategies for instant rails, including:
- Authorised Push Payment (APP) fraud prevention
- Payee and mule-account risk frameworks
- Behavioural and journey-level analysis
- Contextual customer warnings
- Selective friction and customer protection design
Outcome
Reduced fraud losses without unnecessary friction or customer harm.
AML & Transaction Monitoring Optimisation
From Alert Volume to Control Effectiveness
Many AML programmes struggle with:
- Excessive false positives
- High investigation cost
- Inconsistent decisioning
- Weak regulatory narratives
We optimise AML and transaction monitoring by:
- Reviewing scenario effectiveness
- Redesigning thresholds and segmentation
- Improving data quality and usage (including ISO 20022)
- Reducing noise while preserving risk coverage
- Strengthening investigation workflows and governance
Outcome
An AML framework that is risk-based, efficient, and regulator-defensible.
Financial Crime Operating Model & Governance
Making Fraud and AML Controls Sustainable
Strong financial crime prevention depends on clear ownership and governance, not just technology.
We support institutions with:
- End-to-end financial crime operating model design
- Fraud and AML alignment
- 1LOD / 2LOD role clarity
- Policy, procedure, and control documentation
- Audit and regulatory examination readiness
Outcome
A scalable, auditable, and accountable financial crime framework.
Embedded Finance & Digital Credit Advisory
Enabling Finance Inside Customer Journeys
Embedded finance is changing how payments and credit are delivered—placing financial services directly inside platforms and experiences.
We advise on:
- Embedded payments and payout architectures
- Embedded credit and BNPL product design
- Platform, API, and settlement models
- Risk, compliance, and customer protection frameworks
- Governance for regulated embedded finance
Outcome
Embedded finance propositions that are commercially viable, operationally sound, and regulator-ready.
Digital Assets & Digital Tokens Advisory
Risk-Aware Enablement of Token-Based Payment Models
Digital assets and digital tokens introduce new payment flows, settlement models, and operational risks within regulated ecosystems.
We support institutions with:
- Digital asset and token-based payment architectures
- Integration with traditional payment systems
- Financial crime and transaction monitoring controls
- Custody, lifecycle, and data governance considerations
- Regulatory readiness and operating model design
Outcome
Participation in digital asset ecosystems without compromising compliance, resilience, or trust.
Who We Work With
- Banks and Financial Institutions
- Payment Service Providers
- NBFCs and Lenders
- Fintechs and Digital Platforms
Each engagement is tailored to regulatory context, scale, and risk appetite.
Our Engagement Philosophy
Our work is:
- Advisory-led and vendor-neutral
- Deeply grounded in payments and risk expertise
- Practical, explainable, and implementation-ready
- Aligned to regulatory and supervisory expectations
We focus on getting transformation right the first time.
Ready to Engage?
Whether you are:
- Modernising payment systems
- Migrating to ISO 20022
- Reducing fraud on real-time rails
- Optimising AML and transaction monitoring
We help you move forward safely, confidently, and compliantly.