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Banking data that holds up to the regulator and to the board.

Risk, finance and customer data that stand up to regulators and to the board.

Banks and lenders carry a reporting burden that grows every year — prudential returns, credit risk, liquidity, conduct — on top of a business that wants faster, more personal decisions. The organizations that manage both share one trait: a data foundation that finance, risk and the front line all trust.

What is at stake

Regulatory findings, slow credit decisions and manual reconciliation are symptoms of the same condition. Fixing the foundation resolves all three.

Where we focus

What we do for financial services organizations.

  • Regulatory and management reporting

    Reporting with lineage from source to submission, so every number can be explained and reproduced.

  • Credit and portfolio analytics

    Portfolio, arrears and origination analytics that shorten the path from application to decision.

  • Onboarding and operations automation

    Document-heavy processes — onboarding, KYC review, loan files — handled by AI-assisted workflows with human control points.

  • Core system integration

    Bringing core banking, card, treasury and finance systems into one modelled view without disrupting operations.

What changes

The operating picture, before and after.

Not projections — the shift in how the work runs once the definitions are settled and the process is automated.

  • TodayReturns built from extracts and spreadsheets

    With MelaReturns generated from one model with traceable lineage

  • TodayLoan files reviewed page by page

    With MelaDocuments read, checked and summarized before a human sees them

  • TodayRisk and finance disagree on exposure

    With MelaOne exposure figure, one definition, one owner

Tell us what you're trying to solve.

If you run financial services systems and recognize any of this, a short conversation is the fastest way to find out where the value is.