AI transformation
for financial services.
We deploy AI as custom production systems that your firm owns, built by a team you could not otherwise hire. We have worked with some of the largest insurance companies, banks, RIAs, PE firms and fintechs.
The first call and a written point of view are free. Paid work usually starts with a 4-week evaluation at a fixed fee, with no obligation to continue.
Where the team has built, worked and studied
AI that holds up in financial services, because we have built it before.
Demos rarely cleanly convert to production, and getting them there requires time and expertise. We've experienced this firsthand and are experts at building production systems for insurance companies, banks, RIAs and fintechs.
Our expertise and tailored approach to your problems allow our systems to generate value from the day they go live. We also assist with the rollout so that you see adoption across your organization from day 1.
A senior team that has done this before
We are a small, entirely senior team with fifty years of combined AI engineering, multiple granted patents and Y Combinator founders, from Yale, MIT, McKinsey, Goldman Sachs, Microsoft and Vista Equity Partners. The people who scope your work are the people who write the code.
No junior bench. No offshore hand-off.
Financial services is the whole focus
We work only in financial services, where documents must be read exactly, decisions need an audit trail and data cannot leave the firm's control. Our team already has the experience and knowledge to hit the ground running, so week one goes to your opportunity instead of the vocabulary.
Each engagement makes us better at the next one.
Independent of every AI vendor
We hold no reseller agreements, partner quotas or revenue share with any vendor, so we pick the cheapest option that clears your accuracy bar and tell you plainly when to buy off the shelf or leave a problem alone.
Our incentive is your result. There is no license to renew.
Systems that survive contact with production
Every system ships with an evaluation harness, regression tests, monitoring, cost controls, human review and fallbacks for the days a model is wrong or unavailable. We build for the audit, the exam and the day a model provider changes something underneath you.
Accuracy measured before launch, monitored after it.
The code is yours. All of it.
Everything we build lives in your repositories and cloud accounts, with documentation, tests, a runbook and the sessions to hand it over. Nothing sits behind a black box or a per-seat license.
Full IP assignment, written into every contract.
- Dozens
- of insurance companies, RIAs, banks and fintechs we have worked with
- 50 yrs
- combined AI engineering experience
- 10+ Patents
- granted to members of the team
- 100%
- of the IP we build is assigned to you
Selected work
We built the AI transformation roadmap for a top-50 P&C brokerage, and it is saving the firm millions of dollars in vendor fees it did not need to pay.
Clients include some of the largest banks, RIAs, fintechs and AI labs, as well as a top-3 P&C carrier, a top-10 P&C brokerage, a top-5 trucking brokerage, a leading specialty MGA and a leading trucking MGA.
How the evaluation worksAI that every stakeholder can sign off on.
An AI project has to pay off for the management team, satisfy the technical leader whose team will run the system and, in a sponsor-backed company, move EBITDA within the hold, so we plan every engagement around all three.
Start with four weeks. Continue only if it is worth it.
Each engagement is scoped so that you can stop at the end with something useful in hand. We run only 3 to 5 at a time, so every client works with the senior team.
Opportunity Evaluation
4 weeks
The usual starting pointA fixed-scope sprint that answers one question: where does AI create value in this business, and what would it cost to capture it?
- Workflow mapping with the teams who do the work
- Opportunity sizing against real volumes and cycle times
- Feasibility testing on your own documents and data
- A prioritized roadmap with cost, risk and expected return
- A working prototype of the top opportunity
Fixed fee. Fixed dates. No obligation to continue.
Production Build
1 to 3 quarters
We design, build and deploy the system, integrate it with the platforms you already run, and get it in front of real users under real load.
- Eval-driven development against a labeled golden set
- Integration with your core systems, CRM and document stores
- Staged rollout with human review before autonomy
- Security, retention and compliance review support
- Handover: tests, documentation, runbook, training
Shipped to production, in front of real users.
Embedded Partner
Ongoing
For roadmaps that keep going. We stay embedded as a senior team while your own engineers take on more of the surface area.
- Second and third systems on shared foundations
- Model and framework upgrades as the frontier moves
- New lines of business and new geographies
- Hiring support and technical mentoring for your team
- A standing evaluation practice you keep
Structured so you can end it whenever you are ready.
Financial services, studied properly.
Insurance businesses, banks, credit unions, RIAs, lenders and fintechs all run on documents that must be read exactly and decisions that must be explained. That is the work our systems take over, and the right first system differs by industry.
Insurance
Policy checking, commission reconciliation, certificates, submissions and bordereaux for brokerages, MGAs, carriers, reinsurers and TPAs.
RIAs and wealth managers
Meeting preparation and follow-up, account opening and transfers, client documents, service requests and marketing review, so advisors spend more time with clients.
Banks
Financial crime and compliance reviews, vendor due diligence and the lending work from loan files and spreading to collections, disputes and claims.
Credit unions
Loan file and indirect funding review, collections, GAP claims, BSA and KYC reviews and vendor due diligence, built for a small team to run.
Fintechs
KYC and KYB reviews, AML alert investigations, sanctions screening, disputes and complaints, built in your codebase for your engineers to own.
Lenders
Consumer, commercial and CRE lending: loan files, servicing and collections, claims, spreading and credit memos, closings, construction draws and covenant monitoring.
Examples of what we build
Policy checking
Insurance
Bound policies compared with the quote, the application and the prior term, so that an agency or carrier finds every discrepancy before its client does.
AML alert investigations
Banks, credit unions and fintechs
Alerts at banks, credit unions and fintechs investigated with the evidence gathered and the rationale drafted, for an investigator to decide.
Financial spreading and credit memos
Commercial lenders
Borrower financials and tax returns spread into a commercial lender's own template, and the credit memo drafted from the spread for the analyst to finish.
Meeting preparation and follow-up
RIAs and wealth managers
A brief before every client meeting at an RIA and, afterward, the notes, CRM updates and follow-up email drafted for the advisor to approve.
Servicing and collections
Mortgage and auto lenders
Borrower calls, texts and emails handled within a lender's procedures and the law, with payments set up and everything else handed to its staff.
Each one integrates with your existing systems and ERPs.
Every system we buildThe questions we hear on first calls.
- Why not build this with our own team?
- You can, and in time your team should own it. We shorten the path, because we have already learned what works on real documents in regulated businesses, and everything we build lands in your repositories, documented for your engineers. We can also help you hire and mentor them.
- Why not stitch together point solutions for each workflow?
- Sometimes a point solution is the right answer, and we recommend one when it is. Stitched together, though, they multiply licenses, data copies and integrations. The roadmap we built for a top-50 P&C brokerage is saving the firm millions of dollars in vendor fees it did not need to pay.
- How is this different from hiring a consultancy?
- The people who scope the work write the code, so an engagement ends with a working system in your environment rather than a recommendation. We have no ties to any model provider or software vendor, so the model and tools are chosen on your accuracy and cost alone.
Tell us which workflow costs your team the most time.
A 30-minute call with an engineer usually shows whether something is worth building. Within a week you will have a free written point of view on the two or three opportunities we think are real and what each is worth.