Lloyds Banking Group
BankingTier-1Economic crime prevention as a shared orchestration platform
From fragmented point-solutions to an extensible, event-driven economic crime prevention fabric.
Engineering Facets
Accelerators
Capabilities
Unified orchestration layer for sanctions, PEP, fraud and transaction monitoring
Event-driven, cloud-portable architecture aligned to ISO 20022 flows
Business-friendly workflows using BPMN 2.0 and explainable policy decisions
Built to add new processors, vendors and markets without re-platforming
“The real advantage in economic crime prevention isn't better detection — it's better orchestration of existing capabilities with end-to-end explainability.”
Context
The bank had multiple overlapping platforms and vendor products for sanctions screening, PEP and adverse media checks, fraud signals and transaction monitoring. Each 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. Regulators were also moving towards outcome-centric supervision: expecting clear evidence of detection coverage, policy rationale and operational effectiveness, not just vendor badges.
The Challenge
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Rationalise disparate screening and economic crime capabilities without disrupting BAU
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Avoid another "big platform" that would itself become legacy
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Provide auditable, explainable workflows across multiple crime types and providers
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Enable faster onboarding of new data sources and processors (internal and external)
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Maintain strong performance and resilience across high-volume payment flows
Our Approach
Event-driven architecture
Payment and onboarding events captured once and enriched through a pipeline of processors. Loosely coupled microservices communicating via asynchronous events.
Screening processors as plug-in services
Each screening capability (e.g. sanctions, PEP, adverse media, fraud scenarios) packaged as an independent processor with clear contracts. New processors can be onboarded without impacting the rest of the platform.
BPMN 2.0 workflow orchestration
Business-friendly workflows to combine processors, manual investigations, and escalation paths. Clear separation between policy logic, workflow 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.
Extensible operating model
Platform designed to support multiple regulated entities and jurisdictions. Consistent policy control with localised parameters and routing.
Engagement Timeline
Discovery & Architecture
3 monthsMapped existing screening capabilities, defined the orchestration model, and established the event-driven architecture blueprint.
Platform Build
8 monthsBuilt the core orchestration fabric, processor adapters, and BPMN workflow engine with full audit trail integration.
Migration & Hardening
5 monthsProgressive migration of screening workloads onto the platform with parallel running, performance validation, and operational handover.
Ongoing Evolution
2 monthsOnboarded additional processors and jurisdictions, refined operational dashboards, and prepared for AI-driven risk signal integration.
Outcomes
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A single economic crime prevention fabric that can support multiple bank brands, regions and schemes.
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Reduced integration cost and time for new screening providers and data sources.
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Improved regulatory posture through end-to-end transparency and explainability of decisions.
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Operational teams gained a unified view of queues, alerts and workflow progression.
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Architecture engineered to support future automation and AI-driven risk signals.
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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Client names, detailed architecture diagrams, metrics, and implementation insights are available on request. We're happy to walk you through the engagement.