Onboarding fraud
Weak identity verification lets synthetic and stolen identities open accounts, which then become channels for fraud and laundering.
Industries · Financial services
Resilient systems for money that never sleeps.
Banks, microfinance institutions and fintechs run on uptime and trust. We engineer the integrations, controls and operations that keep both intact.
Sector context
The landscape.
Banks, microfinance institutions, insurers and fintechs operate systems where availability, integrity and confidentiality are commercial necessities and supervisory expectations at the same time. A defect in a payment flow is both a customer complaint and a reportable incident.
The pressure comes from several directions at once: digital onboarding that must be fast but compliant with anti-money-laundering obligations, integration of core banking with mobile money and card schemes, and supervisors who now expect institutions to demonstrate operational resilience rather than assert it.
Change in this environment has to be controlled and evidenced. Every release needs test results, every third-party dependency needs an exit plan, and every critical service needs a tolerance for disruption that has actually been tested.
Risks
What keeps leaders up at night.
Over-collection of personal data
KYC processes that store more identity data than they need enlarge the impact of any breach and complicate data-protection obligations.
Fragile integrations
Point-to-point links between core banking, channels and payment providers fail silently, producing reconciliation breaks and customer-facing errors.
Untested resilience
Failover and recovery plans that exist only on paper are discovered to be inadequate during a real incident.
Account takeover
Credential stuffing, SIM swap and social engineering target digital channels where authentication is weak.
Regulation & standards
The rules we design for.
- PCI DSS
- Controls for systems that store, process or transmit cardholder data, including segmentation, encryption and logging.
- Basel operational resilience principles
- Identification of critical operations, impact tolerances and tested ability to continue through disruption.
- FATF guidance
- Risk-based customer due diligence and digital identity guidance that shapes KYC design.
- ISO/IEC 27001
- An information security management system covering people, process and technology.
- Data-protection law
- Minimisation, retention limits and lawful processing of customer personal data.
How we help
Every practice, applied to your sector.
Build
Digital channels, KYC with national ID verification and payment integrations.
Digital Products →Run
High-availability platforms with tested failover and recovery.
Cloud & Platforms →Secure
PCI DSS readiness, managed detection and incident response retainers.
Cyber & Networks →Train
Security awareness and operations training for bank staff.
Resolv Academy →Typical engagements
What working together looks like.
Digital onboarding with ID verification
A KYC journey that verifies identity against an authoritative source while retaining the minimum data needed.
- 01Agree the risk-based due diligence tiers with compliance
- 02Design the data flow, deciding what is verified, what is stored and for how long
- 03Integrate with the identity source through a hardened, audited interface
- 04Build the customer journey for mobile and low-bandwidth conditions
- 05Penetration-test the journey and the integration before launch
- 06Monitor verification outcomes and fraud signals in production
Resilience programme
Mapping critical services, setting impact tolerances and proving that failover and recovery work.
- 01Identify critical business services and the systems and suppliers behind them
- 02Set recovery objectives with the business and risk functions
- 03Close architectural single points of failure
- 04Run scheduled failover and recovery exercises and record the results
- 05Report evidence to leadership and remediate gaps
PCI DSS readiness
Reducing cardholder-data scope and preparing the evidence an assessor will request.
- 01Map cardholder-data flows and define the assessment scope
- 02Reduce scope through tokenisation and segmentation where possible
- 03Close control gaps and collect evidence against each requirement
- 04Run an internal readiness review before the formal assessment
Insights
Thinking for financial services leaders.
Working in financial services?
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