Banking and financial services

Financial services technology programmes balance innovation against supervisory expectations for resilience, conduct, and third-party risk. Hosn Al Tomoh delivers banking technology consulting, payments modernisation, and core platform upgrades with control mappings that internal audit and regulators can follow directly without translation. Boards expect operational resilience narratives aligned with Basel Committee and local supervisory guidance, and we structure evidence so technology committees see coherent risk positioning rather than separate accounts from each vendor or internal function.

Payments modernisation requires reference patterns that respect local scheme rules rather than generic templates. Real-time payments architecture, ISO 20022 messaging migration, and open banking integration (including the CBUAE Open Finance framework and SAMA's Open Banking Framework) each carry jurisdiction-specific obligations. Hosn Al Tomoh adapts designs for each market. Participation in Aani, SARIE instant payments, SEPA Instant, UPI, PIX, or other schemes then follows the technical and reporting requirements of the actual scheme operator. A design based on an idealised specification can later fail conformance testing during membership certification.

Financial crime technology has matured beyond rule-based transaction monitoring. Modern programmes combine network analytics, entity resolution, typology detection, and case management with explainable AI where high-risk decisions require it. Hosn Al Tomoh designs these systems with model governance aligned to your model risk management framework so FinCrime teams operate with more signal and less noise. Regulatory expectations for explainability, documentation, and human oversight are met during design rather than through remediation projects later.

Cloud adoption in financial services requires data residency, lawful access considerations, and exit plans for critical service providers designed alongside architecture. Hosn Al Tomoh builds these elements into landing zone design so board technology committees receive coherent documentation rather than scattered assessments. Critical third-party registers, stressed exit tests, and concentration risk analyses feed supervisory dialogues naturally, which protects both supervisory relationships and operational stability during periods of market or vendor disruption.

Core banking modernisation rarely happens all at once. Strangler patterns, domain-driven decomposition, and event-driven integration let legacy cores coexist with modern digital experiences through well-defined boundaries. Hosn Al Tomoh documents these boundaries, reconciliation behaviours, and rollback criteria so programmes proceed in controlled waves. That discipline protects the institution from both big-bang migration risk and the slow decay that follows uncontrolled legacy extensions that accumulate invisibly across years of incremental change.

Algorithmic trading, market surveillance, and portfolio analytics each demand specialised engineering. Latency profiles, determinism, audit evidence, and explainability requirements vary by workload. Hosn Al Tomoh assigns practitioners who know these environments rather than generalists who approximate them from outside. That specialist knowledge helps technology, business, and risk leaders scope realistic programmes, negotiate vendor contracts, and defend architectural choices during supervisory reviews that inevitably follow any significant change to market-facing technology.