A new bank, built from scratch on a multi-vendor stack

A newly chartered digital bank set out to run almost entirely on third-party platforms: a cloud-based core for deposits and lending, a second core for specialty products, online account opening and servicing, debit card and payments processing, and a long list of supporting vendors. The founder served as system integrator lead, heading the team that designed how the bank would operate, connected the vendors, and prepared it for launch.

What the work covered

• Target operating model and capability map, built through executive workshops
• Business requirements and gap analysis against each vendor's capabilities
• Integration plan for every vendor-to-vendor connection (APIs and batch files), including custom work where out-of-the-box fell short
• Workstreams spanning product, servicing, compliance and risk, operational readiness, and debit card and payments
• Support for OCC and FDIC approval requirements
• Unified end-to-end testing strategy, cross-vendor UAT, and a phased production pilot

Role: System integrator lead. Client, partner, and vendor names are withheld to protect confidentiality.