AI and engineering built for risk, fraud, and growth.
We deliver in banks, brokers, insurers, and fintechs, building to SOC 2 controls, PCI-DSS, and the model-risk-governance regimes your CRO actually signs. AI that survives audit and accelerates the business.
Built for the regulator in the room.
Risk-, fraud-, and growth-tested tools we ship into banks, fintechs, insurers, and capital markets. Model risk and compliance posture baked in, not bolted on at audit time.
Plaid
Stripe
Adyen
Anthropic (data-policy)
AWS Fraud Detector
Snowflake
Databricks
Confluent Kafka
Azure Confidential
VaultFinancial AI doesn't fail because the model is wrong. It fails because the governance isn't there.
The model that scores well on a holdout set doesn't ship without model risk documentation, bias evaluation, ongoing monitoring, fallback logic, and a clear human-in-the-loop story. Xperion's financial-services engagements build the governance, evidence, and operational rigour alongside the system, not after.
- Model risk-aware engineeringSR 11-7 / OCC 2011-12 framing, model documentation, validation evidence, and ongoing performance monitoring, designed in, not retrofitted.
- Audit-grade traceabilityDecision logs, prompt & response capture, model versions, and explainability artefacts captured at production speed. Subpoena-ready.
- Compliance-by-designBSA/AML, KYC/CIP, OFAC screening, FCRA, GLBA, ECOA, UDAP, wired into the build, not bolted on at the end.
- Second-line collaborationWe work with your model risk, compliance, and audit teams from week one. The evidence pack is a deliverable, not a surprise.
Where we ship today.
Production engagements span retail and commercial banking, capital markets, insurance, fintech, and payments, engineered for the governance reality of each.
Fraud detection & transaction monitoring
Real-time scoring with challenger models, drift monitoring, alert triage copilots, paired with the SAR workflow and analyst tooling that actually closes the loop.
KYC / KYB document AI
OCR + LLM extraction for IDs, corporate documents, beneficial-ownership packs, with confidence routing to ops and full audit logging for examiner review.
Underwriting & pricing copilots
Decision-support models for credit, with ECOA-aligned adverse-action codes, fairness testing, and the model documentation pack model risk will ask for.
Voice & chat customer agents
Authenticated voice and chat agents for retail banking and insurance, content controls, escalation rails, complaints capture, 100% recording retention.
Research & document intelligence
RAG over filings, research, and earnings, citation-faithful generation, embargoed-data handling, Chinese-wall controls.
Core systems & embedded finance
Core banking integrations, ledgers, card programmes, dispute and chargeback automation, embedded-finance APIs for fintech partners.
Five integrated practices, tuned for regulated finance.
Each practice ships with finance-specific rigour, engineers fluent in model risk, designers comfortable with high-stakes UX, marketers who clear compliance before sending.
Resource Augmentation
Banking-stack engineers, model risk specialists, compliance-aware product, fintech designers.
AI Solutions
Fraud models, document AI, underwriting copilots, with eval, drift, and model-risk artefacts.
Technology Consulting
Target operating model, core modernisation, AI readiness for FS, regulator engagement strategy.
Marketing
B2B fintech demand, consumer banking lifecycle, regulated content with marketing-compliance workflows.
Design & UX
High-stakes consumer UX, advisor and ops tools, regulated content patterns, accessibility.
The roles we staff most.
Senior specialists with regulated-finance experience, vetted for technical depth and the operating reality of model risk, compliance, and audit.
Approval-ready by design.
Performance metrics paired with the governance metrics that decide whether anything ships.
Where finance overlaps.
Many fintech clients live next to retail and SaaS markets.
Have a regulated AI build in mind?
One scoping call, model risk and compliance teams welcome. We come back with a costed plan within 48 hours, including the governance and validation path.