Financial Services
Bank-grade transformation without bank-grade inertia.
OSFI-regulated institutions cannot move fast by ignoring governance. BEXAI delivers transformations where risk, audit and regulatory reporting are in the architecture from day one, so the go-live does not become the audit finding. Benjamin served as pioneer Chief Marketing Officer at a fintech, so the operating side of this sector is lived rather than observed.
Regulatory context
The frameworks that govern this sector.
Knowing the context is the first credibility test in every first conversation. Here is what BEXAI treats as baseline, not additional scope.
- OSFI Guidelines (B-10 third-party, B-13 technology risk, E-21 operational risk)
- FINTRAC PCMLTFA reporting
- PIPEDA + provincial privacy
- PCI DSS for card-handling systems
- CDIC + provincial credit-union regulators
- CSA + IIROC / MFDA requirements for investment subsidiaries
You are here if…
These are the conversations that bring Financial Services leaders to BEXAI.
- Your core-banking modernization has passed OSFI review twice and failed to deploy.
- Your B-13 self-assessment keeps surfacing control gaps that operations rejects as "not my area."
- Your AML model audit cycle takes longer than the detection logic stays current.
- Your fintech partnership failed the third-party risk assessment that nobody ran until week eight.
Right to play
Benjamin in this sector.
Benjamin has led core-banking modernization, payments infrastructure, and regulated-fintech programs in Canadian financial services. SAFe SPC and CBAP practice hardened through delivery in environments where audit trails are the unit of work.
What success looks like
Quantified outcomes, not feel-good statements.
- Success indicator
OSFI review passed first cycle
Submission built against B-10/B-13 checklists from Day 1, reviewed with Risk before submission, no back-and-forth.
- Success indicator
Third-party risk closed before contract signature
Vendor due diligence runs in parallel with commercial negotiation, not after, so surprises emerge while leverage still exists.
- Success indicator
Core conversion weekend without major incident
Pre-mortem-led cutover plan with specific rollback gates, simulated dress rehearsal, and clinical-grade runbook discipline.
Services most relevant to this sector
The work BEXAI does most in this space.
Frequently asked
Financial Services, direct answers.
Do you work with OSFI guidelines directly?
Yes: B-10 third-party risk, B-13 technology risk, E-21 operational risk are primary reference documents for every FI engagement, not afterthoughts.Can you support core-banking modernization programs?
Yes: modernization strategy, vendor selection, conversion planning, and dress-rehearsal discipline. Not hands-on Temenos or Oracle Flexcube configuration.How do you handle third-party risk management?
Tiered vendor inventory, B-10-aligned due diligence, continuous monitoring, contractual controls embedded in procurement. Due-diligence runs pre-signature, not after.Do you work with credit unions or smaller FIs?
Yes: credit-union and provincial-regulator engagements are common. BEXAI scaling principle: boutique agility means mid-size FIs get senior delivery not junior learning.What is your view on AI in regulated financial services?
AI augments; humans stay liable. Every AI-integrated workflow has PII tokenisation, anti-hallucination checks, and decision-rationale logging for audit.
Your auditor should not be surprised.
If your modernization is slipping on governance or your B-13 self-assessment is getting uncomfortable, a 30-minute conversation with Benjamin will save three months.