Automated daily safeguarding calculation, segregated bank account reconciliation, variance alerts, and audit-ready documentation for EMIs, PIs, and payment gateways across the EU and UK.
Regulators and card scheme auditors scrutinize daily safeguarding reconciliations above almost everything else. A single day's unallocated variance or delayed top-up can trigger an official finding.
Finance teams logging into 5 banking portals, pulling CSVs, running manual VLOOKUPs, and risking human error before the 12:00 cutoff.
Automated API ledger ingestion, bank balance verification, daily shortfall/surplus calculations, and instant alerts to your finance lead.
Safeguarding audits under FCA CASS / EMRs or Bank of Lithuania rules require verifiable, daily timestamped reconciliation logs.
Built to satisfy regulatory requirements from the FCA, Bank of Lithuania, Central Bank of Ireland, and CySEC.
Automatic matching of internal customer balances against external safeguarding bank accounts and designated liquid assets.
Real-time FX translation, multi-tier account segregation tracking, and unallocated funds identification.
Instant notification and pre-populated payment instructions whenever the safeguarding account requires adjustment.
Automated breakdown of pending card settlements, in-flight SEPA/SWIFT transfers, and unmapped deposits.
Complete historical log of daily reconciliation runs with immutable timestamps for annual independent safeguarding audits.
Real-time monitoring of safeguarding bank counterparty risk, credit institution ratings, and concentration thresholds.
Fixed-scope architecture and automation engagements designed for regulated payment institutions.
€8,000 · 2 weeks fixed timeline
Review of daily safeguarding calculation method, banking partner feeds, reconciliation gaps, and written optimization report.
€35,000 · 4–6 weeks fixed build
Automated ledger-to-bank daily reconciliation, FX translation, variance alert system, and auditor-ready export pack.
€2,800 / mo · Recurring service
Continuous automated health monitoring, reconciliation drift detection, and quarterly re-validation for audit committees.
Founder & Managing Partner | Ex-Solarisbank General Manager
15+ years leading licensed payment entities, PSD2 compliance frameworks, and multi-jurisdiction risk operations. Dumitru has opened EMI and PI licenses across Lithuania, Cyprus, Malta, the UK, and Romania, and builds risk engines for high-throughput PSPs.
Co-host of Fintech Garden (170+ episodes with global payment leaders) and architect of Novafin's AI automation methodology.
Connect on LinkedIn →Built to satisfy European banking supervisors and strict vendor onboarding requirements.
All data processed strictly within EU/EEA boundaries or on local, isolated customer infrastructure.
Standardized Data Processing Agreement with clear subprocessor disclosures, audit rights, and regulatory compliance clauses.
Client operational data and audit findings never leave the local engagement environment and are never used to train public models.
Sized E&O and cyber liability coverage with human-in-the-loop controls on every regulatory filing.
We review your daily safeguarding calculation method, banking partner feeds, and reconciliation workflows with an ex-Solarisbank executive. You get an actionable optimization report within 48 hours.