We add operating capacity as your platform grows.
We run onboarding, customer reviews, and financial reconciliation across your partners and providers, and agree up front who is responsible for each step.
What the operation depends on
Growth crosses more than one system.
One customer journey can involve a platform, a financial institution, a verification provider, a processor, and a payment service. Each handoff needs an owner.
Who it serves
The businesses we work with.
Payment and merchant platforms
Business onboarding, investigation support, and settlement reconciliation.
Embedded finance businesses
Defined work across the distributor, the institution, and service providers.
Digital lenders
Customer evidence, complete credit files, and loan administration.
What we run
Services from onboarding to settlement.
Each service ends in a unit of work you accept. Start with one.
OnboardingOS
Customer and Business Onboarding
Unit of workA completed onboarding or refresh case
FinancialCrimeOS
Financial Crime Operations
Unit of workAn accepted investigation
ReconcileOS
Reconciliation Operations
Unit of workA closed reconciliation cycle
CreditOS
Credit Operations
Unit of workAn accepted credit file
ServicingOS
Loan Servicing Operations
Unit of workAn active loan account, serviced for the month
Who does each stage
From onboarding to safeguarded funds.
We run five of these stages.
Fintech and payments · six stages
Onboarding
We collect the request, rate the risk, and complete the checks.
Monitoring alerts
We review L1 alerts and screening hits and prepare L2 investigations.
Compliance decision
Your compliance officer or the authorized institution decides each case.
Your decision
Disputes and chargebacks
We assemble the evidence and prepare each response within scheme deadlines.
Settlement reconciliation
We reconcile bank and PSP settlements and clear suspense.
Safeguarding
We reconcile safeguarded funds for payment and e-money institutions.
Where to start
Start with the queue or flow that limits capacity.
Pick a merchant-onboarding segment, a review queue, or a settlement flow, and measure the completed work and the full cost of running it.
We scope engagements across the United States, Latin America, and Europe.
Your first operation
Bring us one operation.
Tell us the process, the volume, and what “done” looks like. We will come back with a scope, a deployment plan, and a proposal.