MeshFin · The services
The twenty-four services a bank runs
Each is a governed AI service in its own right. Run one, or run the bank. The catalogue is the reusable machinery of a financial institution in four families that follow the BIAN business areas; your products, policies and regulator are the configuration. Run the bank on governed AI. Serve customers better, cut the cost of operations, keep every decision accountable to the regulator.
Serving customers
The front of the bank: who the customer is, what they are offered, what they ask for, and what happens when something goes wrong. Follows BIAN Sales and Service: Customer Management, Sales, Marketing, Servicing, Cross Channel.
MeshFin Onboard
Customer onboarding and identity
A customer becomes a customer once: identity verified with consent against authorised sources, the know-your-customer file built from evidence rather than a checklist, eligibility tested, and the agreement signed in plain language, on any channel, in one sitting.
BIAN: Party Authentication, Party Lifecycle Management, Party Reference Data Directory, Customer Agreement, Customer Access Entitlement, Customer Consent, Product Matching
Scoped
MeshFin Serve
Customer servicing and requests
The front door. Every request on every channel identified with consent, classified, resolved where it can be and routed where it must be, with the status visible to the customer until it is closed.
BIAN: Servicing Order, Servicing Issue, Servicing Mandate, Contact Handler, Session Dialogue, Customer Workbench, Customer Event History
Scoped
MeshFin Offer
Sales, offers and product eligibility
Offers made only to customers who are eligible and for whom the product fits, priced from the policy grid, disclosed in plain language and recorded with the suitability evidence beside them.
BIAN: Customer Offer, Sales Product Agreement, Lead and Opportunity Management, Customer Campaign Management, Product Matching, Product Directory, Discount Pricing, Special Pricing Conditions
Scoped
MeshFin Resolve
Complaints and disputes
Every complaint and transaction dispute recognised on any channel, the statutory clock started, the evidence assembled, the outcome decided by a person with reasons, and the systemic issues found that no single complaint reveals.
BIAN: Customer Case, Customer Case Management, Servicing Issue, Customer Event History, Fraud Resolution
Scoped
MeshFin Assist
Financial hardship and vulnerable customers
A hardship notice recognised in any channel within the statutory time, the options modelled on real income and expenses with consent, the decision taken by a person with reasons and review rights, and collections stopped while the case is open.
BIAN: Customer Relationship Management, Customer Behavior Insights, Customer Case, Delinquent Account Handling, Collections
Scoped
MeshFin Share
Open banking, consent and data sharing
Consent granted, shown, enforced and expired exactly as the customer gave it; data served to accredited recipients only within that consent through the standard APIs; every access logged and the regulator's reports produced from the log.
BIAN: Customer Consent, Customer Access Entitlement, Party Authentication, Customer Agreement, Payee Management
Scoped
Running products and operations
The products themselves and the operations that fulfil them: accounts, lending, payments, cards, investments, trade and the controls that reconcile them. Follows BIAN Operations and Execution: Loans and Deposits, Payments, Account Management, Cards, Investment Management, Trade Banking, Operational Services, Collateral Administration.
MeshFin Deposit
Deposits and transaction accounts
Transaction, savings and term deposit accounts kept in real time: every posting explained, interest and fees calculated from the product rules and shown in plain language, maturities and dormancy handled before they become problems.
BIAN: Current Account, Savings Account, Term Deposit, Virtual Account, Standing Order, Position Keeping, Customer Position, Account Reconciliation, Customer Billing
Scoped
MeshFin Lend
Consumer and mortgage lending
Application to settlement: the income and expenses verified from authorised data with consent, serviceability assessed against the credit policy and the responsible lending obligations with every figure cited, security checked, and the credit decision held for a person with the delegation.
BIAN: Loan, Consumer Loan, Mortgage Loan, Underwriting, Customer Credit Rating, Collateral Allocation Management, Collateral Asset Administration, Disbursement
Scoped
MeshFin Finance
Business and corporate lending
Facilities for businesses from request to annual review: the financial statements spread and analysed with every figure cited, structure and covenants proposed within policy, covenants tested on the date, and every approval, variation and waiver held for a credit approver.
BIAN: Corporate Loan, Credit Facility, Syndicated Loan, Leasing, Underwriting, Customer Credit Rating, Financial Statement Assessment, Collateral Allocation Management, Credit and Margin Management
Scoped
MeshFin Pay
Payments, clearing and settlement
Every payment validated, confirmed against the payee and the mandate, screened, routed to the right rail, repaired where it can be and settled, with the status explained to the customer and the exceptions held for a person.
BIAN: Payment Order Initiation, Payment Orchestration, Payment Confirmation, Payment Settlement, Payment Rail, Financial Gateway, Transaction Authorization, Direct Debit, Direct Debit Mandate, Cheque Processing
Scoped
MeshFin Card
Cards issuing, authorisation and disputes
Cards issued, controlled and replaced; authorisations decided in real time by rule against the balance and the fraud score; disputes run to the scheme's reason codes and timetable; scheme files reconciled.
BIAN: Credit Card, Corporate Card Service, Card Authorization, Card Transaction Capture, Card Transaction Tracking, Card Clearing, Card Financial Settlement, Card Network Participant Facility
Scoped
MeshFin Collect
Collections and recoveries
Early, respectful contact with the options; arrangements set and monitored within policy; every statutory notice prepared in the right form at the right time and held for approval; and no enforcement step without a person deciding it.
BIAN: Collections, Delinquent Account Handling, Customer Behavior Insights, Collateral Asset Administration
Scoped
MeshFin Invest
Investment and wealth account servicing
Investment accounts and portfolios serviced without the paper: orders validated against the mandate, corporate actions processed and explained, statements and fee disclosures written in plain language, and drift from the mandate flagged before a review finds it.
BIAN: Investment Account, Investment Portfolio Management, Custody Administration, Corporate Action, Trade Settlement, Financial Instrument Reference Data Management
Scoped
MeshFin Trade
Trade finance and guarantees
Letters of credit, guarantees and trade loans issued from the facility; presented documents examined against the credit and the ICC rules with every discrepancy cited to its clause; amendments, expiries and claims tracked; and every acceptance, refusal and payment held for a person.
BIAN: Letter of Credit, Bank Guarantee, Credit Facility, Currency Exchange
Scoped
MeshFin Reconcile
Reconciliation, positions and operations control
Every rail, scheme, custodian and ledger matched as the files arrive, breaks investigated from the source records with the adjustment drafted and evidenced, and the control attestation produced from the system rather than from a sign-off form.
BIAN: Account Reconciliation, Position Keeping, Transaction Engine, Counterparty Administration, Internal Bank Account, Operations Log
Scoped
Managing risk and compliance
The second-line machinery a regulated institution runs every day: fraud, financial crime, obligations, credit risk and operational resilience. Follows BIAN Risk and Compliance: Regulations and Compliance, Models, Business Analysis.
MeshFin Detect
Fraud and scam detection and response
Every transaction and session scored in real time with an explanation, alerts assembled with the history and the similar cases, customers contacted and funds held or recovered through the rails, and the models watched for drift, bias and false positives.
BIAN: Fraud Evaluation, Fraud Diagnosis, Fraud Resolution, Fraud Model, Transaction Authorization
Scoped
MeshFin Screen
AML/CTF, sanctions and ongoing due diligence
Parties and payments screened against sanctions and politically exposed person lists with false matches resolved from the record; unusual patterns detected against the customer's own profile and the typologies; cases assembled with the report drafted; and the suspicious matter report lodged only by the compliance officer.
BIAN: Regulatory Compliance, Guideline Compliance, Compliance Reporting, Legal Compliance, Party Authentication, Party Reference Data Directory, Customer Behavior Insights
Scoped
MeshFin Comply
Regulatory obligations, reporting and breaches
Every new rule and piece of guidance mapped to the obligations register and the controls; regulatory returns compiled from the ledger and the registers and reconciled; incidents assessed against the reportable tests with the clock started; and attestations assembled from evidence.
BIAN: Regulatory Reporting, Regulatory Compliance, Guideline Compliance, Compliance Reporting, Financial Compliance, Legal Compliance, Corporate Policies
Scoped
MeshFin Assess
Credit risk, models and portfolio monitoring
Exposures, concentrations, grades and arrears watched daily with the movements explained; expected credit loss stages and overlays run from the policy and reconciled to the ledger; the model inventory kept with validation evidence; and provisions, models and limits decided by the people the policy names.
BIAN: Credit Risk Models, Economic Capital, Customer Credit Rating, Credit and Margin Management, Customer Portfolio, Product Portfolio
Scoped
MeshFin Assure
Operational risk, resilience and controls
Incidents captured and assessed against tolerances with the notification drafted; controls tested from system evidence rather than attestations; critical operations mapped to the systems, people and third parties that run them; and audit and regulator findings tracked to closure.
BIAN: Operational Risk Models, Internal Audit, Continuity Planning, Security Assurance, Enterprise Architecture, Operations Log
Scoped
Running the organisation
The corporate machinery behind the products: the ledger, the product catalogue, the people and the third parties. Follows BIAN Business Support and Reference Data: Finance, Human Resource Management, Non-IT and Non-HR Enterprise Services, Business Direction, Product Management.
MeshFin Ledger
Financial accounting, ledger and close
The general ledger kept from the sub-ledgers as they post; the close run from a checklist with accruals prepared and reconciled; statements and management accounts produced with the narrative; and no journal approved by the person who prepared it.
BIAN: Financial Accounting, Financial Statements, Financial Control, Enterprise Tax Administration
Scoped
MeshFin Product
Product design, pricing and governance
Products designed from the template with terms, fees and the target market determination tested against the conduct rules; pricing modelled and proposed within policy; and product performance watched for customers the product was never meant to reach.
BIAN: Product Design, Product Deployment, Product Directory, Discount Pricing, Special Pricing Conditions, Product Portfolio
Scoped
MeshFin People
People, accountability and conduct
The accountability map and statements kept current under the accountability regime; access and delegations provisioned from the role and the instrument and removed on change; conduct events assessed against the policy; and training due before it is overdue.
BIAN: Employee Data Management, Recruitment, Employee Payroll And Incentives, Corporate Policies, Legal Compliance
Scoped
MeshFin Procure
Procurement and third-party management
Sourcing and contracts run to policy; every material service provider assessed against the resilience and security requirements on schedule and from evidence; performance watched against the contract; and exits planned before they are needed.
BIAN: Procurement, Partner Agreement, Partner Management, Partner Administration, Security Assurance
Scoped