Financial Services & Banking
Regulator-ready evidence for every committed milestone, without building packs by hand.
Harmony runs the coordination behind your change-the-bank portfolio and leaves an auditable trail of every action and decision, from T+1 to consent-order remediation.
For heads of enterprise PMO and change portfolio, COOs of technology and operations, CIOs and chief transformation officers in banking and capital markets.
Where programs slip
- 01
A stacked regulatory book of work
T+1, DORA, payments and capital programs each carry dated commitments across many vendors and business lines, and they compete for the same people.
- 02
Core and payments overhauls run long
Core modernization and payments hub programs run past plan as dependencies between vendors, data and testing pile up.
- 03
Steerco packs built by hand
Program teams spend days assembling RAG status and evidence for steerco and audit, and decisions still wait a cycle.
How Harmony helps
A coworker on every program. Clearly software, accountable like any hire.
Tracks commitments to validated closure
Harmony maps each regulator-committed milestone and MRA article to owners and evidence, chases what is due, and holds items open until they are validated, not just marked done.
Coordinates vendors through cutover
It runs the RAID log across vendors and internal teams, follows up on dress rehearsal defects, and keeps cutover and hypercare plans current.
Builds the pack from the record
It drafts steerco packs and attestation inputs from the live record in your template, with every change traceable to the email, meeting or decision behind it.
Harmony works inside your own Microsoft 365 tenant with least-privilege access and a traceable record of every action, it goes through your DORA and third-party risk review like any new ICT service, and decisions and escalations stay with your people. Trust Center
Programs Harmony runs
From ISO 20022 and T+1 remediation to core modernization and perpetual KYC, these are programs Harmony can run alongside your teams.
The common spine (IT, finance, HR, M&A, supply chain, cyber, data, regulatory) is covered in every engagement.
Sector
Core Banking
- Core / sidecar modernization (Mambu)
- COBOL business-logic extraction
- Loan origination (nCino)
Sector
Payments
- ISO 20022 migration
- FedNow / RTP enablement
- Payments hub (Volante, ACI)
Sector
Risk & Treasury
- Basel III endgame capital overhaul
- CECL / IFRS 9 models
- ALM / treasury (QRM, FIS)
Sector
Wealth & Capital Markets
- Platform consolidation (Aladdin)
- T+1 settlement remediation
- Trading modernization
Sector
AML / Financial Crime
- Transaction monitoring (Actimize)
- Perpetual KYC program
- Sanctions screening modernization
Common
IT & Cybersecurity
- Cloud migration
- Zero Trust
- Identity modernization
What good looks like
- No missed commitments to your regulators
- An auditable trail of every decision
- Fewer status cycles, more delivery
On the calendar
- EU, UK, Swiss T+1 (11 Oct 2027)
- DORA (CTPP oversight)
- Basel III endgame re-proposal (Mar 2026)
- ISO 20022 structured addresses
- EU AI Act credit scoring (2 Dec 2027)
- Consent-order remediation
More industries
Close every regulatory commitment, with the evidence to prove it.
Contact us to learn how Harmony would take on the program in front of you.
Learn more