Industry solution

Banking & Financial Services

One governed picture for advice, supervision, fraud and regulated data

Wealth, fraud, data, automation and assistant products designed to pass work to each other on one identity and one audit trail.

Products
8
Challenges
6
Concepts
15
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Bank supervision and fraud staff reviewing a linked-account network and a portfolio drift chart on one screen
BrainyRich(opens BrainyRich in a new tab)IntelWatchtower(opens IntelWatchtower in a new tab)SemanticFed(opens SemanticFed in a new tab)FluidGrids(opens FluidGrids in a new tab)BigConsole(opens BigConsole in a new tab)Botlit(opens Botlit in a new tab)ProServiceWorld(opens ProServiceWorld in a new tab)Subscriber Bot(opens Subscriber Bot in a new tab)

The problem

Why banking work is hard to join up

Banks and wealth firms run advice, supervision, fraud, KYC and reporting on separate systems that disagree, so evidence is rebuilt by hand for every exam, case and board pack.

Banks, fintechs and wealth firms run on many systems of record: a core banking platform, a card processor, a payments hub, custody and portfolio systems, a CRM, one case tool for fraud and another for complaints. Each was bought to solve one problem well. The work that supervisors, boards and customers care about crosses all of them. A suitability decision touches the portfolio, the client's risk profile and the advisor's licensing. A scam touches payments, login activity and account opening.

Pressure arrives from every direction at once. Margins are thin, scam patterns change faster than detection rules, regulators and examiners expect firms to show how a decision was made and not only what was decided, and data-protection and residency rules limit where customer data may travel. Teams respond with exports, spreadsheets and email chains, which is how three versions of one number reach a board pack and why an exam request can take weeks to answer.

What is missing is less another tool than a shared foundation: one identity and role model, one audit trail, and products designed to pass work to each other. An alert becomes a case, a case becomes a matter under legal hold, a governed metric becomes a console, a policy question becomes a cited answer, and a renewal date becomes a review that starts on time.

Who this is for

  • Head of wealth management

    Advisors working the right households first after a market move, and rebalance proposals that carry their own rationale and approval trail.

  • Chief compliance officer or supervision principal

    Suitability exceptions decided before trades go out, licensing and conflicts in view, and exam evidence that already exists.

  • Head of fraud and financial crime

    Seeing scam, takeover and mule activity as one network, requesting holds quickly under approval, and preserving evidence from day one.

  • Chief data officer or head of regulatory reporting

    One governed definition per regulatory metric, lineage an auditor can follow, identifiers masked by role and regulated data kept in-region.

  • Head of operations and KYC

    Periodic reviews on schedule, analysts spending time on judgment rather than chasing documents, and a backlog view by risk tier.

  • CISO or third-party risk lead

    A current register of suppliers that touch customer data, reviews that start before notice windows close, and no surprise tools on corporate cards.

A day in the life

The story behind the solution

One week at a regional bank with a wealth arm

Nadia Farouk runs operations at Fernhollow Bank & Trust. Her remit covers the wealth desk's middle office, fraud operations, KYC, data and supplier management, and she sits on the committee that prepares the board risk pack. This is one week in October, when an overnight rate surprise, a scam campaign, a board meeting and an audit sample all land in the same five days.

  1. Monday, 7:10 am

    The book drifts overnight

    An overnight rate surprise knocks bond prices lower and pushes balanced and income households above their equity bands. By 7:10 the wealth desk's advisors are opening trackers and working their books alphabetically. Rafael Mendoza, head of wealth, asks Nadia the question nobody can answer by lunch: which households actually need a call today, and which proposals will need a supervisor before they go out?

    How this is solved: A market move lands on every advisor's book at once

  2. Monday, 3:30 pm

    A proposal that should not go out

    Grace Liu, the wealth supervision principal, happens to spot a proposal moving a conservative retired couple into a single-sector fund. Normally it would have surfaced on Friday's exception report, after settlement. While she checks, she learns from a separate spreadsheet that the advisor's license renewal is still pending and that the couple are related to a branch employee.

    How this is solved: Supervision that happens before the trade, not after the exam

  3. Tuesday, 6:40 am

    Forty alerts and a lookalike domain

    Kwame Asante, who leads fraud operations, arrives to forty overnight alerts: first-ever instant payments to new payees left customer accounts minutes after a password reset from an unrecognized device. Across the building, security has been tracking a lookalike domain sending 'your account is locked' texts. The receiving accounts were opened last month and share devices. Money is still moving.

    How this is solved: A scam campaign moves money faster than the case file

  4. Wednesday, 9:00 am

    Three numbers for one committee

    The board risk committee pre-read arrives with three different figures for card balances thirty or more days past due. Finance, the card business and credit risk each pulled their own. Priya Nair, head of regulatory reporting, needs to know which figure is defensible, where each came from, and why an in-region extract was emailed around as a spreadsheet.

    How this is solved: Three delinquency numbers for one board meeting

  5. Thursday, 11:00 am

    Audit samples the KYC backlog

    Internal audit's quarterly sample lands: a set of high-risk customers whose periodic KYC reviews are overdue. The operations team has been emailing customers one by one for proof of address and source-of-funds letters, and the contact center has been explaining those requests from memory. Simple low-risk reviews sit in the same queue as the complex ones.

    How this is solved: KYC reviews that fall behind one reminder email at a time

  6. Friday, 4:15 pm

    A renewal nobody reassessed

    Procurement flags that the contract with the fintech partner running the card-dispute portal renews automatically unless notice goes out by Monday, and its last due-diligence review was two renewals ago. The same afternoon, security finds a marketing team paying for a survey tool on a corporate card that has been storing customer email addresses for a year.

    How this is solved: A partner contract renews before anyone reassesses it

None of these were exotic problems. Each crossed systems and teams, and each ended with someone rebuilding evidence by hand. The rest of this page shows how Burdenoff products are designed to hand that work to each other instead, on one identity, one set of roles and one audit trail.

Challenges and how they are solved

6 problems, several products, one connected answer

Each challenge shows the problem as it happens, how the products are designed to hand work to each other, and the concepts that illustrate it. Share any challenge on its own.

Challenge 1 of 6

A market move lands on every advisor's book at once

BrainyRich(opens BrainyRich in a new tab)FluidGrids(opens FluidGrids in a new tab)

The problem

When rates or markets move sharply, every advisor's book drifts at once. Falling bond prices leave balanced and income households above their equity bands, and concentrated positions grow heavier. Each advisor works from a portfolio tracker, a spreadsheet of model weights and a folder of risk questionnaires, in whatever order the list happens to sort, so the income clients who can least afford a drawdown are not surfaced first. Rebalance ideas travel as emailed spreadsheets, tax lots are checked by hand, and the firm has no record of which households were reviewed after the event or which proposals should go to supervision.

What it costs

Drift and concentration go unaddressed where they matter most, tax consequences surface late, and the firm cannot show that the whole book was reviewed after a market event.

How the products work together

BrainyRich is designed to rank drift, concentration, cash-drag and goal-at-risk signals across every household in one severity-ranked inbox, so advisors start with the most exposed households. From an insight, the advisor drafts a rebalance proposal against the household's model, with named trades, a rationale and tax considerations. When the advisor moves a proposal to Proposed, FluidGrids is designed to pick it up: a versioned decision rule checks drift size, the household's risk profile and trade value. In-band proposals on discretionary accounts proceed on the advisor's authority and are sampled for post-trade review, non-discretionary ones go to the client for consent, and larger or off-profile ones are routed to the supervision queue with a notification. FluidGrids is designed to write the chosen route back to the BrainyRich proposal, so the record, not an email thread, shows where each proposal went.

The outcome it is designed for

Advisors start the day on the households that need a call, every proposal carries its rationale and a recorded route, and the firm can show the whole book was reviewed after the move.

The concepts behind it

Challenge 2 of 6

Supervision that happens before the trade, not after the exam

BrainyRich(opens BrainyRich in a new tab)ProServiceWorld(opens ProServiceWorld in a new tab)FluidGrids(opens FluidGrids in a new tab)

The problem

Most wealth supervision still runs on exception reports produced after trades settle. A proposal can look reasonable in isolation while the household's risk profile, the firm's concentration limit, the advisor's registration status and any related-party relationship sit in four different places. License renewals and continuing-education deadlines live in a compliance spreadsheet, and conflict reviews in email. When an examiner asks how a particular recommendation was supervised, the evidence has to be reassembled from inboxes, shared drives and advisor notes, which can take weeks.

What it costs

Suitability exceptions are found after the fact, licensing and conflict duties live in a separate spreadsheet, and exam requests turn into weeks of evidence gathering.

How the products work together

A suitability exception desk in BrainyRich is designed to receive each proposal that the FluidGrids routing rule sends to supervision and show it beside the household's risk profile, model, proposed allocation and the rule that fired. ProServiceWorld is designed to hold the people side: license renewals and continuing-education hours as dated checks, and related-party conflict reviews with a documented result. The desk is designed to show those open checks next to the proposal, so the supervisor sees 'license renewal pending' and 'conflict review open' before deciding. The supervisor approves, returns to the advisor or rejects with a note. FluidGrids is designed to write that decision to the proposal history in BrainyRich, which keeps role-scoped access and an audit trail, and, where a check is still open, back to the ProServiceWorld record.

The outcome it is designed for

Exceptions are decided before trades go out, licensing and conflict status sits beside the proposal, and every decision leaves a record an examiner can read.

The concepts behind it

Challenge 3 of 6

A scam campaign moves money faster than the case file

IntelWatchtower(opens IntelWatchtower in a new tab)FluidGrids(opens FluidGrids in a new tab)ProServiceWorld(opens ProServiceWorld in a new tab)

The problem

Fraud operations and security each see half of a campaign: payment alerts in one queue, smishing domains and login anomalies in another, account-opening data in a third. Account takeover and authorized scams look alike on the payment rail, and the receiving mule accounts often share devices and addresses that no single team can see. Instant payments move funds onward within minutes, while analysts copy account numbers into spreadsheets, draw networks on whiteboards and email legal to ask what must be preserved and when a report is due.

What it costs

Fraud and cyber teams each see half of the same campaign, mule accounts keep receiving funds while the network is drawn by hand, and evidence preservation starts late.

How the products work together

IntelWatchtower is designed to take alerts from the bank's existing transaction monitoring into one triage queue beside security's phishing domains and login anomalies. In a mule-network case, customers, payees and receiving accounts are designed to appear as entities with account attributes, and domains, IP addresses and device fingerprints as indicators, linked with confidence levels. When the lead escalates the cluster, the case is designed to ask FluidGrids to run the bank's response playbook: request holds on receiving accounts, send a recall request to the receiving bank for funds already moved on, start customer outreach and wait for a human approval before anything irreversible, reporting each hold status back to the case. The case is also designed to open a ProServiceWorld matter, where the evidence is classified, placed on legal hold and tracked against regulatory reporting deadlines, such as a suspicious activity report.

The outcome it is designed for

Fraud and security analysts work one case, holds and recalls are requested from that case under human approval, and evidence is preserved from the moment the matter opens.

The concepts behind it

Challenge 4 of 6

Three delinquency numbers for one board meeting

SemanticFed(opens SemanticFed in a new tab)FluidGrids(opens FluidGrids in a new tab)BigConsole(opens BigConsole in a new tab)

The problem

Regulatory returns, board packs and business dashboards each compute the same metric their own way. Delinquency may count from the statement date in one place and the due date in another, include or exclude charged-off accounts, or be pulled before month-end adjustments. Residency rules keep some customer data in its region, so analysts run separate extracts and send them around as files. Nobody can show lineage, and before every committee several people rebuild the same number by hand to decide which one is defensible.

What it costs

Board and regulatory figures disagree, reconciliation consumes the days before every committee, and raw customer identifiers spread into extracts that are hard to control.

How the products work together

SemanticFed is designed to define 'card balance 30+ days past due' once, as a versioned metric in a governed model over the core banking system, the card platform's warehouse and the in-region customer database, querying data where it lives. A regulatory metric register shows each metric's definition, owner, versions, lineage, residency rule and consumers. Sensitive columns surface as policy proposals that a data owner approves before they apply. FluidGrids is designed to run the month-end queries against SemanticFed on schedule and push the results through its datasinks into BigConsole, where the board risk console reads the governed figure and is designed to explain each movement with citations. Only aggregated, non-identifying figures leave the region; row-level customer data stays in the in-region source, and SemanticFed's policy is designed to control what may cross.

The outcome it is designed for

The board, the regulator and the business line read the same governed figure, its lineage is one click away, and identifiers stay masked for roles that do not need them.

The concepts behind it

Challenge 5 of 6

KYC reviews that fall behind one reminder email at a time

FluidGrids(opens FluidGrids in a new tab)Botlit(opens Botlit in a new tab)BigConsole(opens BigConsole in a new tab)

The problem

Periodic KYC reviews are scheduled by risk tier, but the work runs on spreadsheets exported from the customer database. Analysts email customers one by one for updated proof of address or source-of-funds evidence, wait, chase and re-key whatever comes back. Customers ask why the bank needs the document, and front-line staff explain it differently each time. Low-risk reviews that could close after a quick check share a queue with complex cases that need real judgment, so the high-risk backlog grows quietly until an audit sample exposes it.

What it costs

Overdue reviews become audit findings, analysts spend their time chasing documents instead of assessing risk, and customers hear different explanations from different people.

How the products work together

FluidGrids is designed to run the periodic review as a workflow. A schedule picks up customers whose review is due; a versioned decision rule sorts them by risk rating, product and what has changed. Low-risk cases with nothing new are prepared for a quick analyst confirmation, while the rest trigger a document request that FluidGrids is designed to hand to a Botlit assistant, which carries the conversation on the bank's chosen channel. Botlit is designed to answer customers from a compliance-approved explainer library with the passage cited, and staff from the internal KYC policy library, saying plainly when a question falls outside them. Documents the customer uploads through the bank's secure upload link are designed to resume the FluidGrids run, which waits for an analyst's decision. Run status flows through a datasink into a BigConsole backlog console, where a threshold alert is designed to warn the head of KYC when overdue high-risk reviews pile up.

The outcome it is designed for

Reviews move on schedule, analysts spend their time on cases that need judgment, customers get consistent cited explanations, and the head of KYC is warned before the backlog becomes an audit finding.

The concepts behind it

Challenge 6 of 6

A partner contract renews before anyone reassesses it

Subscriber Bot(opens Subscriber Bot in a new tab)FluidGrids(opens FluidGrids in a new tab)Botlit(opens Botlit in a new tab)

The problem

Third-party risk depends on knowing which suppliers the bank relies on and which ones touch customer data, yet contracts sit in a shared drive, renewal dates in a procurement spreadsheet and card spend in expense reports. Auto-renewal clauses close notice windows quietly, so critical partners roll over without a fresh due-diligence review. Meanwhile teams buy SaaS tools on corporate cards that end up holding customer data without ever being assessed, and nobody can produce a current register when an examiner asks for one.

What it costs

Critical suppliers renew without reassessment, unapproved tools hold customer data, and the bank cannot quickly produce a current register of its third-party arrangements.

How the products work together

Subscriber Bot is designed to be the record of every recurring supplier relationship: contracts, licenses and SaaS subscriptions, each with its plan, payment instrument, renewal date, documents and health. A third-party renewal register adds the bank's own fields, such as criticality tier, customer-data flag, notice window and last due-diligence date, and is designed to surface recurring card charges not yet registered. As each notice window approaches, Subscriber Bot is designed to hand the relationship to FluidGrids, where a versioned rule on criticality, customer data and contract value opens a renewal review, routes critical suppliers to risk and security owners for sign-off, and writes the outcome back to the register row. When staff ask a Botlit assistant whether a tool may hold customer data, it is designed to answer from the third-party risk policy with the passage cited, and can start the FluidGrids supplier intake workflow.

The outcome it is designed for

Reviews start before notice windows close, new and unregistered tools are assessed before they hold customer data, and the bank can produce a current supplier register when a regulator or auditor asks.

The concepts behind it

How it fits together

How the products hand work to each other

Each product is designed to do one job and pass a concrete artifact to the next: governed figures, notice windows, cases, matters, proposals and cited answers. All of it runs in one workspace, under one set of roles and one audit trail.

  1. To FluidGrids: Designed to serve governed, masked query results to scheduled FluidGrids workflows.

  2. To FluidGrids: Designed to send each approaching notice window to FluidGrids to open a renewal review.

  3. To ProServiceWorld: Designed to open a ProServiceWorld matter with the case's evidence list, ready for legal hold.

  4. To BrainyRich: Designed to show advisor licensing and conflict status on the BrainyRich supervision desk beside each flagged proposal.

  5. To FluidGrids: Designed to pass each proposed rebalance to the FluidGrids routing rule, which decides where it goes next.

  6. To BigConsole: Pushes run results and governed figures into BigConsole data sinks through its datasink node.

  7. To Botlit: Makes the consoles available for Botlit agents to query when staff ask about a figure.

Step 1 of 8: Govern the data

Products in this solution

What each product brings

  • BrainyRich

    Advisory book, rebalancing and supervision

    Designed for advisors and the firms that supervise them: households with risk profiles, model portfolios, severity-ranked insights and rebalance proposals with an approval lifecycle and audit trail.

    Visit BrainyRichAll concepts

  • IntelWatchtower

    Fraud and cyber investigation

    Its alert triage, indicators, entities, link analysis and case journals are built for investigation work, and are designed to let fraud and security analysts work one scam campaign in one picture.

    Visit IntelWatchtowerAll concepts

  • SemanticFed

    Governed metrics, masking and residency

    Designed to define metrics once over many sources, query data where it lives and apply row and column policies at query time, which suits regulated figures that must reconcile and stay in their region.

    Visit SemanticFedAll concepts

  • FluidGrids

    Workflow automation and decision rules

    Schedules, webhooks, decision logic, wait-and-resume steps for human sign-off and datasinks into BigConsole make it the connective tissue between the other products in this solution.

    Visit FluidGridsAll concepts

  • BigConsole

    Governed consoles for risk and operations

    Is designed to build consoles on keyed data sinks, with sharing, row-level security, field masking and threshold alerts, and to explain changes with citations, suiting board risk and backlog views.

    Visit BigConsoleAll concepts

  • Botlit

    Grounded assistants for staff and customers

    Agents are designed to answer from the bank's own knowledge bases with cited passages, under workspace policies and an execution ledger, and can query dashboards and trigger workflows.

    Visit BotlitAll concepts

  • ProServiceWorld

    Compliance checks, matters and legal hold

    Is designed to track compliance obligations such as licensing and continuing education, matters with deadlines, and documents with classification and legal hold, which fits the duties around advice and investigations.

    Visit ProServiceWorldAll concepts

  • Subscriber Bot

    Supplier contract and renewal register

    Treats every contract, license and SaaS subscription as a relationship with a plan, payment instrument, renewal date and documents, the backbone a third-party register is designed to build on.

    Visit Subscriber BotAll concepts

One platform underneath: Burdenoff Workspaces

Every product here runs on Burdenoff Workspaces: one sign-on for advisors, analysts and supervisors, role-based access enforced at the gateway, one audit trail across products and one bill, so a proposal, a case and a supplier record share the same governance.

Concept gallery

Every concept in this solution

15 concepts from 8 products. Each one links to its own page on the product's website, and every view has a link you can share.

Pitch kit

The Banking & Finance solution in one minute

Burdenoff brings together wealth advisory and supervision, fraud and cyber investigation, governed regulatory data, workflow automation, grounded assistants, compliance matters and supplier oversight. The products are designed to pass alerts, cases, proposals and governed figures to each other on one identity, one role model and one audit trail, so the evidence a supervisor, auditor or board asks for is captured as the work happens.

  • Designed so advisors work the most exposed households first and supervisors decide exceptions before trades go out, with licensing and conflicts in view.
  • Designed to show fraud and security analysts scam, takeover and mule activity as one case, with holds requested under human approval.
  • Regulatory and board figures designed to be defined once, masked by role, kept in-region and explained with citations.
  • KYC reviews and supplier renewals designed to run on schedule, with customers answered from compliance-approved explanations.
  • One sign-on, one role model, one audit trail and one bill across every product in the solution.
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Questions

Frequently asked

Are these products running at banks today?

No. The products on this page are early or pre-launch, and the page describes a solution concept: how they are designed to work together for banks, fintechs and wealth firms. We are looking for design partners in banking and wealth management who want to shape that work with us.

Does this replace our core banking system or fraud detection?

No. The solution is designed to sit alongside systems of record such as core banking, card processing, payments and transaction monitoring. SemanticFed is designed to query data where it lives, FluidGrids connects through APIs and webhooks, and IntelWatchtower is designed to take alerts from your existing detection rather than replace it.

How is customer data protected?

Every product runs inside a Burdenoff workspace with role-based access enforced at the gateway and one audit trail. SemanticFed and BigConsole are designed to apply column masking and row-level rules, and SemanticFed to keep regulated data in its region while still answering questions across it. Your teams set the policies; AI features propose, and people approve.

Does it give financial advice or guarantee compliance?

No. BrainyRich drafts insights and proposals for licensed advisors to review, and its projections are decision aids, not guarantees. The compliance features help teams track obligations and keep evidence; they do not replace your compliance function's judgment or make a firm compliant on their own.

Which hand-offs are documented today and which are designed?

Two are documented product integrations: FluidGrids datasinks feeding BigConsole, and Botlit agents querying dashboards and triggering workflows. Even there, automated push from FluidGrids into BigConsole is still being built. The other hand-offs on this page, such as an IntelWatchtower case opening a ProServiceWorld matter or Subscriber Bot sending a notice window to FluidGrids, describe how the products are designed to work together and would be built out with design partners.

Can we start with one product?

Yes. Most teams would start where the pain is sharpest, for example IntelWatchtower for scam investigations or SemanticFed for regulatory metrics, and add FluidGrids to connect it to the rest. Because every product shares the same workspace, identity, roles and billing, adding the next one does not mean a new sign-on, access model or contract; the hand-offs between them are designed to be built on that shared foundation.

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This is a solution concept: it shows how Burdenoff products are designed to work together in this industry. The images are illustrations of the concepts, not screenshots of the actual products, and every name and figure in them is sample data.