Financial Services & FinTech Cloud Solutions

Cloud engineering for regulated Australian finance

Banks, insurers, super funds and FinTechs all end up in the same place. The engineering team knows what it wants to build. The risk committee needs to know what happens when it breaks, who else can see the data, and which third party is now in the critical path. Getting a release out means satisfying both, and most delays we see aren’t technical at all. They’re evidence problems.

That’s the work. We build Google Cloud platforms where the controls are in the Terraform, not in a spreadsheet someone updates before an audit. VPC Service Controls to stop data leaving a perimeter, customer-managed encryption keys so you hold the key material, and audit logs written to a sink nobody on the delivery team can alter. When an assessor asks how you know a control is on, the answer is a plan output rather than a meeting.

Our two founders spent 16 years between them at Google Cloud, and they stay across the architecture on live engagements. Every project is priced fixed, with a fixed date, agreed before work starts.

What usually brings people to us

“CPS 230 turned our vendor list into a risk register and we can’t answer it.” Operational risk standards ask you to name your critical operations, the services behind them, and what you’d do if a provider disappeared. Most estates can’t produce that map because nobody ever wrote down which service depends on which. We start by generating it from the infrastructure itself rather than by interviewing people.

“Fraud scoring runs overnight, and the money’s already gone.” Batch fraud detection catches things after settlement, which is useful for reporting and useless for prevention. Moving to sub-second scoring means Pub/Sub, Dataflow and a feature store that can answer questions about an account in single-digit milliseconds. It’s a real re-architecture, not a model swap, and it’s usually the highest-value thing on the list.

“We can’t use AI because the data can’t leave the country.” It can’t, and it doesn’t have to. Vertex AI runs in Sydney and Melbourne. The harder part is the plumbing around it: masking identifiers before a prompt is built, keeping retention at zero, and logging enough that you can reconstruct why a model said what it said. That plumbing is the project.

“The core is COBOL and nobody wants to touch it.” Fair enough. Big-bang core replacements have a poor record and we don’t recommend them. We put a facade in front of the monolith and move one capability at a time, so each step is independently reversible. Slower on paper, and much less likely to end up in an incident review.

“Two environments, double the bill.” Running old and new in parallel during a migration is unavoidable, but the overlap window is where budgets die. Cutting it means sequencing the migration around data gravity instead of around org charts.

Which regulations we actually design against

APRA CPS 234 for information security and CPS 230 for operational risk are the two that shape most architectures. Beyond those we build to the ACSC Essential Eight, and for firms with an offshore footprint, SOC 2 and ISO 27001. If you’re a FinTech under an AFSL rather than an ADI, the bar is different and usually lighter than people assume, so it’s worth scoping before you over-build.