A regulated banking platform covering three distinct product lines: mortgage origination and servicing, retail savings accounts, and an investment product. Thirty-three screens across customer and operational interfaces, with a complete back-office for payment processing, compliance, arrears management, and regulatory reporting. No off-the-shelf core banking system underneath.
This is a confidential commission. The client has given us permission to describe the technology we built, but not to identify them. What follows is a full account of the platform's scope, features, and architecture.
Certain features of the platform relate directly to the client's proprietary business model and are not described here. These are among the most technically complex elements of the build. Their omission reflects commercial sensitivity, not a limitation in what was delivered.
A multi-step application flow capturing financial profile, preferences, guarantor information, and supporting documents. Real-time eligibility calculation with configurable underwriting logic. Once active, mortgage holders have a full self-service dashboard: balance, payments, statements, overpayment requests, redemption requests, and a live breakdown of principal versus interest based on the platform's bespoke amortisation engine.
Support for multiple savings product types, each with its own access rules, interest accrual logic, and regulatory messaging. Customers can open accounts, view balances, track interest earned, and manage withdrawals. The platform handles interest calculation, maturity tracking, and FSCS deposit protection compliance across all product types.
A regulated investment product with a multi-stage onboarding process: identity verification, risk profiling, FCA-mandated appropriateness assessment, and initial funding. Active investors have portfolio dashboards showing allocations, returns, and withdrawal options. The onboarding flow enforces regulatory gating at each stage.
A custom-built payment calculation engine running batch operations across the full mortgage book. This is not a standard library. It implements the client's proprietary amortisation model, calculates payment splits, updates account positions after each cycle, and generates statements. The engine is the financial core of the platform.
Direct Debit mandates managed via GoCardless. No bank details stored on the platform. Automated collection runs with configurable retry schedules and escalation to arrears workflows on exhaustion.
A multi-stage automated escalation system triggered by overdue payments. Each stage generates notifications, flags cases for staff intervention at configurable thresholds, and presents forbearance options. The platform includes a proprietary resolution mechanism that the client uses as an alternative to standard enforcement. The specifics of this mechanism are confidential.
AML transaction monitoring, credit assessment workflows for underwriting, regulatory reporting, interest calculation engines for multiple product types, capital adequacy tracking, and customer due diligence records. FCA requirements are embedded in the workflow layer, not bolted on as separate reporting.
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Graph data layer. The platform runs on a graph data layer (engage.re) with scope-based visibility. Customer data, product data, and transaction data coexist in a shared graph without duplication. Each product line sees only the data relevant to it.
Session security. Configurable inactivity session timeouts. Financial product interfaces use a distinct API client with dedicated session management, separate from standard platform authentication.
Bespoke financial engines. The platform's core calculations are custom implementations, not standard libraries. These engines handle batch processing across the full book, position updates, and statement generation. The specifics of these models are proprietary to the client.
Tech stack: React 18 · TypeScript · Vite · GoCardless (Direct Debit) · KYC provider integration · Credit bureau integration · Graph API (engage.re) · JWT with session timeout · Monorepo (pnpm workspaces)
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