The data layer that runsbanking operations
Your core banking system is not the problem. The problem is that nothing downstream of it agrees — five warehouses, three definitions of a customer, and a regulator who wants lineage you cannot produce. We fix the layer in between.
- Onboarding & KYCIdentity and screening data unified so verification runs on current records, not overnight extracts.
- AML & sanctionsTransaction and counterparty signals joined into one monitoring layer with alert lineage intact.
- Fraud operationsBehavioural, device and transaction signals correlated to suppress false positives with evidence.
- Credit & underwritingIncome, asset and bureau data conformed so credit decisions are reproducible and explainable.
- Loan originationHandoffs across the credit lifecycle instrumented, so where applications stall becomes visible.
- Loan servicingModifications, hardship and collections data modelled for policy-consistent servicing.
One objective in.Your whole estate, moving.
The governed layer sits at the centre of your operations. It reads every signal across Core banking systems, KYC identity data, Transaction streams and the rest of your estate, and closes every loop back to your business and regulatory goals.
Banking Governed Data Layer
IntelliBooks · Platform agnostic · Your cloud · On-prem capable
The right question changes the answer.
Most banking teams have modernised in pockets. We start with why those pockets never joined up, and what it takes to run the whole estate on one governed layer.
Customer data is created in the core, in cards, in onboarding and in the CRM — systems never designed to agree. How long does it take to answer one simple question about one customer?
One conformed customer, product and ledger model, with the reconciliation logic written out and signed off by your team rather than buried in a pipeline. The answer stops depending on which system was queried.
Regulatory reporting draws on dozens of upstream sources. If a single figure were challenged, how confidently could it be traced back to source?
Lineage is captured as pipelines run, not reconstructed afterwards, so every reported figure has a queryable path back to its source system. The audit response becomes a query rather than a project.
Most banks still carry workloads on a warehouse that predates the cloud strategy. What does leaving it in place through another renewal cycle actually cost?
Agents survey the estate before anyone commits budget — every table, view and procedure mapped, dependencies graphed, each object scored for conversion difficulty. You get a costed picture of the real exit, not an estimate.
When reporting runs overnight, the business decides on yesterday's position. Where is that lag quietly costing you?
Batch logic is translated to streaming rather than rebuilt, and both run in parallel until outputs reconcile. Cutover happens on evidence, with rollback available throughout.
This is how the work actually runs.
Your systems stay. We fix the layer between them.
Your core banking platform, your card and payment rails, your KYC registry, your AML system, your reporting stack. Connect what you have. Nothing migrates off its system of record. We are not a core replacement.
State the business outcome. We return the plan.
Not a project brief. An outcome. "Onboard a customer in hours, not three weeks." "Monitor AML continuously across every tier-1 account." "Cut warehouse spend by a third without losing a report." We read the live estate and return a ranked plan by risk, dependency and regulatory exposure.
The right agents activate, inside limits you set.
Customer matching, KYC data refresh, transaction enrichment, fraud signal correlation, credit data assembly, regulatory aggregation. Autonomy is set per process: assistive for credit-adjacent work, delegated for KYC refresh, autonomous for reconciliation.
Customers get onboarded. Reports reconcile. Auditors get answers.
Every action carries the query it ran and the identity it ran as, and every reported figure traces to its source. Explainable at the moment it happened, to your team, your auditor or your regulator.
We map to how you already run.
Tell us which of these hurts most and we start there — not with a platform rollout.
Onboarding & KYC
Identity and screening data unified so verification runs on current records, not overnight extracts.
AML & sanctions
Transaction and counterparty signals joined into one monitoring layer with alert lineage intact.
Fraud operations
Behavioural, device and transaction signals correlated to suppress false positives with evidence.
Credit & underwriting
Income, asset and bureau data conformed so credit decisions are reproducible and explainable.
Loan origination
Handoffs across the credit lifecycle instrumented, so where applications stall becomes visible.
Loan servicing
Modifications, hardship and collections data modelled for policy-consistent servicing.
Regulatory reporting
Basel III/IV and BCBS 239 assembled from primary data with provenance attached.
Compliance monitoring
Continuous checks against policy rather than quarterly sampling exercises.
Treasury & liquidity
Position and cash-flow data consolidated into a daily decision view.
Risk aggregation
Market, credit and counterparty exposures rolled up with drill-down to source.
Reconciliation
Breaks and exceptions surfaced with root cause rather than as a nightly report.
Customer 360
One conformed customer across retail, SMB, wealth and cards — finally agreed.
Your data. Your platform. Your call.
It runs in your cloud
Deployed inside your own account and VPC, or fully on-premises where residency requires it. Your data does not leave your perimeter, and no proprietary information trains anyone's model.
Governed at every step
Every agent action is logged with its query and its identity. Per-user OAuth means an agent inherits the permissions of whoever it acts for — never a shared service account.
You keep what we build
The models, pipelines, lineage and agent definitions are yours. No proprietary runtime holds them hostage. If you end the engagement, the platform keeps working.
Any platform, any model
Snowflake, Databricks, Redshift, BigQuery, Synapse or open Iceberg. Model routing is yours to configure. We are a consultancy, not a platform vendor with a lock-in incentive.
If you are thinking it, it is answered here.
Set the objective. We will scope it honestly.
Bring us the estate as it actually is, deadlines included. Two to four weeks later you have a costed roadmap you own — whether or not you continue with us.