Expertise

Areas de especializacion

Business Innovation

Data Gravity

Digital Innovation

Process & Risk Excellence

Digital Risk & Resilience

We help organizations reduce complexity and accelerate innovation by integrating processes, business models and advanced technologies.  Our end-to-end approach enables us to design and manage complex initiatives, including IT programs, ensuring effective delivery with full control over timelines, costs and outcomes.

<ul><li>Operating Models & Customer Journey: design of operating models and journeys focused on service quality and customer centricity.</li><li>New Business & Process Redesign: development of new business models and redesign of business processes to strengthen competitive advantage.</li><li>Credit Scoring: implementation of credit scoring algorithms and loss estimation models to support risk management.</li><li>Data-Driven Compliance: regulatory compliance initiatives (e.g. CCD II) driven by a data-driven approach to improve efficiency and regulatory compliance.</li></ul>

Personal & consumer fast finance

<ul><li>Risk Modeling: assessment of fraud risk and design of fraud prevention and detection models to strengthen risk management capabilities.</li><li>Defense Control & Optimization: evolution of rules and controls to strengthen fraud prevention, improve operational effectiveness, and reduce operational workload.</li></ul>

Improving lines of defense against fraud

<ul><li>Process Analysis & Benchmarking: analysis of business processes and benchmarking against market standards to identify opportunities for improvement.</li><li>Datamart Customization: definition of drivers and weighting criteria to enable objective analysis and support sizing models.</li><li>What-if Analysis: simulation of future scenarios to support informed decision-making and assess business impacts.</li><li>Change Management: design of structured transformation programs to foster organizational adoption and engagement.</li></ul>

Right sizing process & data driven processes

<ul><li>Issuing: design of innovative payment solutions to address evolving market and customer needs.</li><li>Acquiring: evolution of e-commerce platforms, POS and ATM systems to deliver seamless and integrated payment experiences.</li><li>Digital Payments: implementation of digital payment solutions to simplify the payment experience for consumers, merchants, and financial institutions.</li></ul>

Innovative payments

businessinnovation

We redesign value and growth models, turning strategic insights into scalable solutions.  We support business evolution through initiatives that enhance efficiency, productivity, and customer value, adapting to changing market dynamics and technological innovation.

<ul><li>Data Governance Model: design of a structured governance model to ensure effective and consistent management of data assets.</li><li>Policy & Decision Framework: definition of policies, governance rules, and decision-making processes to ensure continuity and long-term sustainability.</li><li>Data-Driven Operating Model: development of operating models that integrate data into business processes, enabling its effective use.</li><li>Ethics & Accountability: integration of ethical principles and accountability mechanisms to promote responsible data governance.</li></ul>

Data Governance

<ul><li>Data Quality Framework: definition of quality metrics and frameworks for operational processes to ensure consistency and reliability of data assets.</li><li>Continuous Improvement: continuous monitoring of data quality through controls and performance indicators.</li><li>Business Alignment: integration of data quality and processes to support business objectives.</li><li>Data Quality Accountability: definition of clear roles and responsibilities for effective data quality management.</li></ul>

Data Quality

<ul><li>Target Information Architecture: design of scalable, integrated, and sustainable information architectures.</li><li>Logical & Semantic Modeling: development of logical and semantic models to structure and maximize the value of data.</li><li>Metadata & Lineage: implementation of frameworks for metadata management and data lineage throughout the data lifecycle.</li><li>Information Domain Rationalization: rationalization of information domains to improve consistency, efficiency, and governance.</li></ul>

Data architecture, modeling & metadata

<ul><li>Data Protection Model: development of data classification and protection models to ensure data security and control.</li><li>Privacy by Design: integration of privacy requirements into business processes and decision-making mechanisms.</li><li>Regulatory Alignment: alignment with regulatory requirements and industry standards to support effective and sustainable governance.</li></ul>

Data protection & compliance

<ul><li>Regulatory Data Governance: integration of data governance, data quality, information architecture and metadata management to ensure compliance, traceability and informed decision-making.</li></ul>

Regulatory & supervisory framework (BCBS 239/ RDARR)

<ul><li>Data Culture & Adoption: promotion of data-driven tools, skills and practices to foster widespread data adoption and embed its use across the organization.</li></ul>

Professional training & capability building

datagravity

We bring structure and direction to the information landscape, making data the gravity center for decision-making.  We design governance models and operational practices that maximize data value throughout its lifecycle, enhancing its quality, reliability, and use in decision-making through a practical, implementation-oriented approach.

<ul><li>Optichannel Vision: optimization of the most effective channel at every stage of the customer journey, leveraging data and advanced analytics to enhance customer experience.</li><li>Platformification: collaboration between banks and FinTech companies to overcome legacy system limitations and enable more innovative and efficient business models.</li><li>Big Data: use of big data to enable predictive analytics and personalized solutions.</li></ul>

Omnichannel reboot program

<ul><li>Project & Program Management: application of our proprietary methodology, inspired by leading market standards and tailored to the complexity and specific characteristics of each project.</li><li>Business Case Development: scenario analysis and business case development to support strategic decisions on economics, processes, and architecture.</li><li>Communication & Reporting: preparation of structured reporting for executive leadership and top management.</li></ul>

IT program & project management

<ul><li>IT Expertise: management of complex IT initiatives, defining evolution roadmaps, application management strategies, and tools.</li><li>Technology & Innovation: design and implementation of technology evolution initiatives based on market best practices and emerging technology trends.</li><li>Technology Enablers: identification and adoption of the most suitable technology solutions to achieve business objectives.</li></ul>

IT advisory & IT architecture redesign

<ul><li>Benchmarking: assessment of internal and external factors, market benchmarking, and trade-off analysis to support strategic decision-making.</li><li>Optimization: analysis of costs and revenues to identify efficiency opportunities and drive value creation.</li><li>Target Operating Model (TOM): definition of the target operating model, including governance framework and implementation roadmap.</li><li>Dashboards: development of reporting and monitoring tools to measure performance and support cost control.</li></ul>

Wealth Management Innovative Program

digitalinnovation

We transform technology potential into new experiences and interaction models.  We support digital transformation through omnichannel programs, IT projects, and strategic advisory, rethinking architectures and operations to improve efficiency and competitiveness.

<ul><li>Organization & Regulations: process mapping, regulatory classification and document source management to support compliance and organizational governance.</li><li>Training Programs: design and delivery of training programs on leading BPM tools to promote expertise and methodological standards.</li><li>Technology Adoption: support for the adoption of new technologies, helping organizations maximize their impact on business processes and operating models.</li><li>Certified ARIS Modeler: competence center and certified team supporting the use of the Y platform for process modeling, analysis and evolution, including integration with new regulatory requirements (such as DORA).</li></ul>

Process mapping & analysis

<ul><li>Operational Risk Management: definition and management of integrated frameworks for operational, financial reporting, and regulatory risk management through assessment, monitoring, and continuous enhancement of internal controls.</li><li>Governance, Risk & Compliance Platforms: development of Governance, Risk & Compliance platforms using enterprise or tailor-made solutions to improve control, efficiency, compliance, and user experience.</li></ul>

Operational risk services & platform

<ul><li>Organizational Efficiency: continuous improvement initiatives to optimize processes, performance, and organizational effectiveness through solutions such as Process Mining and Intelligent Agents.</li><li>Business Improvement: design of operating models that balance efficiency, capabilities, and sustainability through certified methodologies such as Lean Six Sigma.</li></ul>

Continuous improvement programs (LeanSixSigma)

<ul><li>Use Case Design: selection and customization of priority use cases, assessing benefits, business impact, and sustainability.</li><li>ML Model & Dataset Fine-Tuning: data preparation, algorithm selection and model optimization aligned with business objectives.</li><li>ML & System Integration: development of Machine Learning solutions, from proof of concept to integration into enterprise systems and processes.</li></ul>

Risk & compliance ML models & analytics

processrisk

We bring clarity to organizational complexity through robust and transparent operating models.  We combine process optimization, governance, and risk management to build more efficient, resilient organizations, able to create long-term value.

<ul><li>ICT Strategy: definition of technology strategies aligned with business objectives and transformation programs.</li><li>Technology Governance & Accountability: design of governance models for the effective management of technology assets.</li><li>IT Operating Model: development of target operating models and IT roadmaps to support innovation and efficiency.</li><li>ICT Risk & Performance Management: monitoring of ICT risks and performance through dedicated frameworks and performance indicators.</li><li>AI Governance: integration of AI governance into business processes, aligned with regulatory requirements and organizational priorities.</li></ul>

IT Strategy & Governance

<ul><li>Security Governance Framework: development of governance and control models to strengthen cybersecurity and cyber risk management.</li><li>Cyber Resilience Program: protection programs for digital assets and business continuity.</li><li>Standards & Best Practice Alignment: alignment with industry best practices, international standards and regulatory requirements.</li><li>CISO Operating Model: definition of the organizational structure and governance processes for the security function.</li><li>Security Posture Management: monitoring of control maturity and effectiveness through dedicated metrics.</li></ul>

Security Programs & Frameworks

<ul><li>ICT Risk Management: design of frameworks for structured ICT risk management.</li><li>Enterprise Risk Integration: integration of ICT risk into Enterprise Risk Management processes.</li><li>Regulatory Compliance: alignment with industry regulatory requirements.</li><li>Decision Support & Control Functions: support for control functions and Top Management in risk assessment and decision-making processes.</li></ul>

ICT Risk & Compliance

<ul><li>ICT Audit & Digital Control Framework: development of audit and control frameworks to assess the effectiveness of ICT controls.</li><li>Control Maturity Assessment: assessment of technology control maturity and identification of improvement priorities.</li><li>Remediation & Continuous Improvement: definition of improvement plans to strengthen governance, controls and processes.</li><li>Independent Assurance: independent assurance activities to support compliance and strengthen confidence in control systems.</li><li>Advanced Audit Analytics: use of advanced analytics to improve audit effectiveness, coverage and insights.</li></ul>

ICT Audit & Assurance

<ul><li>Regulatory Readiness: assessment of regulatory requirements and definition of implementation roadmaps aligned with key national and European regulatory frameworks.</li><li>Regulatory Monitoring & Industry Insights: continuous monitoring of regulatory developments through engagement with supervisory authorities, industry associations and professional communities.</li></ul>

Operational & Regulatory Layer (DORA/ NIS2/ AI ACT/ DIGITAL OMNIBUS)

<ul><li>Supervisory Inspection Support: support for ECB and other supervisory authorities' on-site inspections through readiness assessments, simulation exercises and strengthening of organizational controls.</li></ul>

On-site inspection (OSI) preparation

digitalrisk

We strengthen the organizations' ability to protect what matters and adapt to change.  We help businesses manage digital risk and build secure, resilient, and compliant ICT systems, aligned with evolving regulatory requirements.

We collaborate with a carefully selected ecosystem of technology partners to integrate expertise, platforms, and innovative solutions into our clients' transformation journeys.