Who we work with

AI and software for financial services

Lending, insurance, real estate, investment management, payments, and payroll. Six books of business, one shape of work underneath. We start by learning how the work gets done today, exceptions and all. Then we build the software that carries it.

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YOUR SYSTEMS INTAKE YOUR RULES EXCEPTION TIES OUT AUDIT TRAIL ACTOR · TIME · REASON
Six segments

Fluent across financial services

You run detailed work on real deadlines, where every number has to trace back to something. That's the operation we build for.

Lending & credit

Applications in, money out, and a trail your capital partners can verify.

  • Specialty lenders
  • Private credit
  • Mortgage & servicing
  • Equipment finance
  • Small business lending
Case study: a specialty lender →

Insurance

Submissions, adjudication, and settlement without the paper chase.

  • Carriers
  • MGAs & program administrators
  • Wholesale & retail brokers
  • TPAs
  • Reinsurance
Case study: claims operations →

Real estate & infrastructure

Deals, asset performance, and investor reporting on one set of numbers.

  • CRE investment
  • Real estate funds & syndicators
  • Property operations
  • Title & escrow
  • Infrastructure & energy
Case study: commercial real estate →

Investment management

Client onboarding, fund operations, and reporting that reconciles.

  • RIAs & wealth
  • PE & VC back office
  • Fund administration
  • Family offices
  • Asset managers
  • Trust & custody

Fintech & payments

Merchant onboarding, monitoring, and reconciliation that keep pace with volume.

  • Payment processors
  • Money services businesses
  • Merchant services
  • Embedded finance
  • Payment facilitators

Payroll & benefits

Client setup, payroll cycles, and filings on one auditable record.

  • Payroll & PEO
  • Benefits administration
  • Retirement & 401(k)
  • HR compliance & reporting
Case study: HR operations →

Don't see yours? The operating patterns repeat. See all our work →

The Challenge

Every financial firm we map runs on the same three workarounds.

Underwriting, servicing, payments, payroll, fund admin. The core system covers the standard case, your people cover everything else, and every close ends in a hunt for the right number.

Without an agent

With an agent

01The exceptions

Every exception ends up in a spreadsheet.

The standard case goes straight through. Everything else moves to a sheet a few people edit, with no audit trail.

02The judgment

Your policy lives in your people’s heads.

Ask twice and you get two answers. The third one waits for whoever’s back on Monday.

With AI in the mix

Your past decisions become one rule that answers the same way every time.

41 decisions reviewed
03The reconciliation

The numbers don’t tie out.

Your platform, your ledger, and what the client already received. Someone spends a week proving which one is right.

With AI in the mix

All three1,400,000

Matched line by line, with a source for every difference.

…and many more use cases

Capabilities

The AI our clients actually put to work

Not a product menu. These are the capabilities we design, prototype, and ship inside your operation, in whatever combination the work calls for.

Document & data extraction

Any document you handle, turned into usable data.

  • Structured, scanned, or handwritten
  • Checked against your rules
  • Written to your systems

Agentic workflows

Multi-step work that runs start to finish.

  • Your sequence, your rules
  • Approvals where you require them
  • Exceptions routed to a person

Decision support

Faster calls, with the evidence already attached.

  • Your criteria, encoded
  • Evidence surfaced up front
  • Judgment stays with your team

Risk, compliance & audit

Oversight that builds its own paper trail.

  • Exceptions flagged as they happen
  • Policy enforced in the workflow
  • Actor, time, and reason logged

Reporting & analytics

Reporting that renders from the source, not by hand.

  • Built from live data
  • Lineage on every number
  • Your team reviews, not rebuilds

Conversation & voice

Client conversations handled in plain language.

  • Phone, email, and chat
  • Full context from your systems
  • Resolved or escalated cleanly

Your own operating platform

The interface your team has always dreamed of. It now costs less to build than to keep renting your way around it.

  • One interface, not six logins
  • No per-seat bill as you grow
  • AI inside the work, not beside it

Most firms put three or four of these to work. A Jumpstart finds which ones earn their place, on your own files, before you commit to a build.

Case studies

What this looks like in production

Three financial services engagements, published in full. Different books, the same three problems, and what it took to fix them.

Loans, brokers, commissions, and compliance on one operating layer

Twelve tools and a commission pipeline that ran on spreadsheets, replaced by one system. Underwriting sees a file in minutes, and the numbers going to capital partners come straight from the source.

Read the case study
Faster loan close
$950kOperating costs cut
12 → 1Tools consolidated
100%Loan-life audit trail captured
Security & Compliance

Built to your controls, not around them

You already have security policies, approval chains, and an examiner who checks all of it. We build inside your rules. That shapes the work from day one, instead of becoming a checklist at the end.

We build to your rules

Your approval chains and record-keeping rules go in from day one. If your policy says a person signs off, the system enforces it.

Not our first rodeo

Our team has worked with personal data, SOC 2 requirements, and records a regulator can ask for. Yours won't be the first security review we've answered.

You own everything we build

The code, the accounts, and the documentation are yours. Nothing to hand back at the end, and the architecture is your IP to use forever.

Where to start

One workflow, one team, or the whole firm

Some firms arrive with one process that's breaking. Others want to rebuild how the business runs. We meet you where you are.

Start here

AI Jumpstart

A few weeks to map how a file really moves, audit your stack, your data, and your controls, and find where AI pays back. Delivered with a working prototype on your own files, before anyone commits to a build.

Learn about the Jumpstart →
What comes next

AI Deployment Studio

Your prototypes built into production software by a lean team that stays through launch, rollout, and your first audit on the new system. The code is yours, in your own accounts.

Learn about the Studio →
Questions

What firms ask us first

What kinds of financial services firms do you work with?
Six segments: lending and credit, insurance, real estate and infrastructure, investment management, fintech and payments, and payroll and benefits. Inside those, everything from specialty lenders and private credit funds to MGAs, wholesale brokers, TPAs, real estate syndicators, title and escrow, RIAs, fund administrators, family offices, payment facilitators, money services businesses, PEOs, and retirement plan administrators. Most of our clients run between 100 and 1,000 people.
My firm doesn't fit neatly into one of those six. Are we still a fit?
Almost certainly yes. The six segments are a way to organize the page, not a filter. What we actually build for is a shape of work: documents coming in, exceptions chased by hand, approvals routed through inboxes, numbers that have to reconcile, and a trail somebody will eventually ask you to produce. If that describes your operation, the segment label matters far less than you'd think.
How do you get up to speed on our specific business?
That's what the Jumpstart is for. A few focused weeks inside the firm, mapping how a file, a claim, a deal, or a cycle really moves, auditing the stack, the data, and the controls, and proving where AI pays back with a working prototype on your own files. Because our own delivery runs on AI, we get fluent in what's specific to your book in weeks rather than quarters.
How do you handle security, regulated data, and our examiner?
We build to your specs, inside the controls your firm already has, rather than asking you to accommodate ours. Our team has worked in environments handling PII, SOC 2 requirements, and regulated records. Switchboard does not claim certifications of its own. What we commit to is designing to your security requirements, approval chains, and record-keeping rules from day one, keeping the code and the accounts in your hands, and treating the audit trail as a build requirement rather than an afterthought.
Will AI be making decisions we have to defend?
Not unless you decide it should. We separate the work AI is genuinely good at, like reading documents, extracting data, drafting, routing, and checking one record against another, from the decisions that need a person and a documented reason. Every automated action is stamped with what happened, when, and why.