Lloyds Banking Group
BankingMajor UK Banking GroupEconomic crime prevention as a shared orchestration platform
From fragmented point-solutions to a vendor-agnostic, event-driven economic crime screening fabric.
Engineering Facets
Accelerators
Capabilities
Unified orchestration layer for sanctions, PEP, and adverse media screening. Ultimately the primary entry-point for all screening journeys
Vendor-agnostic architecture — screening providers are interchangeable without re-platforming
Harmonised multi-vendor ecosystem with consistent data contracts and policy controls
Built to add new screening vendors, data sources and jurisdictions without architectural change
Commercial customer onboarding reduced from 10 days to under 12 hours. The first real-time API-based screening platform in the group's economic crime prevention capability.
“The real advantage in economic crime screening is orchestration — harmonising existing vendor capabilities into a single real-time fabric with end-to-end explainability.”
Value created
10 days → hours
Commercial customer onboarding screening time — from batch processing to real-time API-based decisioning
First real-time API platform
The first real-time API-based screening capability in the group's economic crime prevention lab
Vendor-agnostic
Screening vendors interchangeable without re-platforming — reduced vendor switching cost from months to weeks
Multi-brand deployment
Single platform serving multiple regulated entities and jurisdictions with localised policy controls
Zero-disruption migration
Progressive migration of screening workloads with parallel running — no BAU impact during transition
Context
The bank had multiple overlapping vendor products for sanctions screening, PEP checks, and adverse media monitoring. Each vendor had its own integration model, data contract and change cycle. Every new regulation, scheme rule or provider change resulted in duplicate projects and fragmented controls. Switching or adding a screening vendor was a multi-month programme in itself. Regulators were moving towards outcome-centric supervision: expecting clear evidence of detection coverage, policy rationale and operational effectiveness — not vendor badges.
The Challenge
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Rationalise disparate screening capabilities across multiple vendors without disrupting BAU
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Avoid another vendor-locked platform that would itself become legacy
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Provide auditable, explainable workflows across multiple screening types and vendors
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Enable faster onboarding of new screening vendors and data sources
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Maintain strong performance and resilience across high-volume payment and onboarding flows
Our Approach
Event-driven architecture
User journey and onboarding events captured once and enriched through a pipeline of screening processors. Loosely coupled microservices communicating via asynchronous events and APIs.
Vendor-agnostic processor adapters
Each screening vendor (sanctions, PEP, adverse media) wrapped in a standardised adapter with clear contracts. Vendors are interchangeable — new providers onboard without impacting the rest of the platform.
Policy-driven workflow orchestration
Configurable workflows to combine screening processors, manual investigations, and escalation paths. Clear separation between policy logic, workflow routing and runtime infrastructure.
Audit, observability and QoS by design
Non-repudiation audit trail for every screening decision. Quality of Service (QoS) metrics, drop-off analysis, and SLA tracking at each stage. Real-time dashboards for operations and risk teams.
Harmonised multi-vendor ecosystem
Multiple screening vendors operating through a single orchestration layer with consistent data contracts, normalised outputs, and unified reporting — regardless of which vendor performs the underlying check.
Extensible operating model
Platform designed to support multiple regulated entities and jurisdictions. Consistent policy control with localised parameters and routing. New jurisdictions and brands onboarded through configuration, not code.
Engagement Timeline
Discovery & Architecture
2 monthsMapped existing screening capabilities across vendors, defined the vendor-agnostic orchestration model, and established the event-driven architecture blueprint for multi-brand deployment.
Platform Build
3 monthsBuilt the core orchestration fabric, vendor-agnostic processor adapters, and policy-driven workflow engine with full audit trail integration.
Migration & Hardening
1 monthMigration of screening workloads onto the platform with parallel running, performance validation, and operational handover.
Ongoing Evolution
10 monthsOnboarded additional screening vendors and journeys, refined operational dashboards, extended coverage to new regulated entities, and prepared for multi-channel risk signal integration.
Outcomes
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A single economic crime screening fabric supporting multiple bank brands, regions and screening vendors.
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Vendor-agnostic architecture — screening providers can be switched, added or replaced without re-platforming.
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Reduced integration cost and time for new screening vendors and data sources.
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Improved regulatory posture through end-to-end transparency and explainability of screening decisions.
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Operational teams gained a unified view of queues, alerts and workflow progression across all screening types and vendors.
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Architecture engineered to support future AI-driven risk signals and automated triage.
Technologies & Patterns
What Our Client Said
“Bugni Labs played a crucial role in accelerating our development process. Their understanding of our brief and their insight into the types of solutions we were aiming for was invaluable.”
“The code generator helped us to significantly reduce the engineering effort from two engineers over four to six sprints down to just one engineer in a single sprint...”
“Working with Bugni Labs felt very natural from the start.”
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