The AI-First Transformation Partner for Banking and Financial Services
BFS institutions served
of Top 10 US Banks Supported
of Top 10 Payments cos Supported
Outcome-based engagements
BFS AI agents
BFS specialists worldwide
Grow. Protect. Transform.
Banks and financial institutions face three simultaneous imperatives: grow revenue in a margin-compressed environment, protect against fraud and compliance failures, and transform operating models that were not designed for today’s speed, personalization, and regulatory complexity.
Most partners help with one. Sutherland is built for all three.
We are an AI-driven business transformation partner – combining deep BFS domain expertise, production-ready AI agents, and full-stack AI-led engineering for scale. Delivered through intelligent BPaaS and outcomes-based commercial models, our approach helps accelerate decisions while preserving control, auditability, and customer trust.
This is how Sutherland helps financial institutions move AI from experimentation to production — and from isolated efficiency gains to compounding business impact.
40%
Average reduction in total cost of ownership (TCO)
65%
Faster disputes resolution using AI
60%
Reduction in false positive
100%
Accuracy delivered via digital and automation tools
30%
Increase in $ collected
2x
Faster customer onboarding
Introducing Sutherland FinAI Hub
AI Agents and Domain-Trained Models for Financial Services
Who We Serve
We take end-to-end ownership to design, build, run, and continuously improve your banking operations.
Consumer Lending
We deliver the full lending lifecycle as intelligent BPaaS across auto finance, consumer loans, student lending, and personal credit — serving both prime and sub-prime segments —with AI agents trained on real lending workflows driving decisions from origination through recovery.
Capabilities
- AI-Led Underwriting & Credit Decisioning
- Digitized Lending Journey Creation
- Lending App Modernization
- Agentic AI Customer Servicing
- Omni-channel CX & Contact Centre
- AI-Powered Delinquency Prediction & Collections
- Funding & Fulfilment
- Omni-channel Digital Borrower Experience
- Data & Analytics
- AI-led engineering
- Agentic AI Hub
Customer Examples
- 2 of the Top 10 US Consumer Lenders
- Leading auto finance & leasing company with $115B+ in managed assets
Retail Banking
We help you deliver exceptional customer experiences through onboarding and servicing, leveraging Agentic AI, automation, analytics, cloud modernization and BPaaS to drive efficiency, compliance, and customer satisfaction.
Capabilities
- AI-Powered Onboarding & KYC
- Agentic AI Customer Servicing
- Omni-channel CX & Contact Centre
- AI-Driven Fraud Detection & Dispute Management
- Payments & Transaction Monitoring
- Core Banking Modernization
- Composable, API-First Digital Banking Platforms
- Financial Crime & Compliance Operations (FRAML)
- Regulatory Reporting
- Data & Analytics
- AI-led engineering
- Enterprise Cloud Modernization
- Agentic AI Hub
Customer Examples
- 2 of the Top 10 US Retail Banks
- One of the Top 3 banks in the UAE by total assets
- Leading new-age US Digital Bank
Payments
We help you deliver seamless, secure & compliant payment experiences, leveraging Agentic AI, automation and BPaaS capabilities across major payment rails.
Capabilities
- AI-Powered Transaction Monitoring & Anomaly Detection
- Payments Set Up
- Automated Payment Repair & Exception Handling
- Real-Time Sanctions & AML Screening (Partner: ComplyAdvantage)
- SAR Compilation & Automated Filing
- Fraud Detection & Investigations
- AI-Driven Dispute Management
- Settlement & Reconciliation
- Payment Platform Modernisation
- Omni-channel CX & Contact Centre
- AI-led engineering
- Enterprise Cloud Modernization
- Agentic AI Hub
Customer Examples
- 3 of the Top 10 Payments & Fintech companies globally by transaction volume ·
- Leader in digital remittances operating across 170+ countries
- Global B2B payments and fleet card company processing $50B+ annually
Industry Recognition
- Recognized as “Leader” — Everest Group Payments BPS PEAK Matrix 2025
Cards
We help you deliver personalized, secure, and seamless customer experiences across the card lifecycle, from acquisition and onboarding to servicing, disputes, and collections. Leveraging Agentic AI, intelligent automation, and BPaaS, we optimize loyalty, strengthen fraud prevention, and improve operational efficiency across customer segments.
Capabilities
- AI-Powered Onboarding & KYC
- Customer Segmentation & Loyalty Optimisation
- Compliance & Credit Checks
- Omni-channel CX & Contact Centre
- Agentic Underwriting & Limit Sanctions
- Card Issuance & Activation
- AI-Powered Fraud Detection & Prevention
- Automated Dispute & Chargeback Management
- Agentic AI Customer Servicing
- AI-Driven Collections
- Data & Analytics
- AI-led engineering
- Enterprise Cloud Modernization
- Agentic AI Hub
Customer Examples
- A top-5 US credit card issuer by purchase volume
- Fortune 500 global corporate payments company operating in 130+ countries
- A leading US non-prime credit card issuer serving 12M+ cardholders
FinTechs
We help you launch, scale and operate faster, leveraging Sutherland FinXelerate — our modular, API-first platform built specifically for FinTechs — with Incubate-to-Scale models that take you from launch to operational maturity without the overhead of building internal infrastructure.
Capabilities:
- FinXelerate: Modular API-First Accelerator Platform
- Modular Onboarding, KYC & Compliance
- AI-Powered Fraud Detection & Risk Management
- Omni-channel CX & Contact Centre
- Payments, Remittances & Reconciliation
- Agentic Customer Experience
- Agentic AI Customer Servicing
- Data & Analytics
- AI-led engineering
- Enterprise Cloud Modernization
- Agentic AI Hub
Customer Examples:
- 3 of the Top 10 Payments & Fintech companies globally by transaction volume ·
- Leader in digital remittances operating across 170+ countries
- Global B2B payments and fleet card company processing $50B+ annually
Capital Markets
We help capital markets firms realize tangible ROI from AI with production-ready, domain-trained agents built for investment management operations. With deep domain expertise across Front, Middle, and Back Office operations, we combine AI-led operations with advanced digital engineering to streamline processes and workflows, improve performance, and deliver superior client experiences — at scale..
Capabilities:
- Investment Research & Analytics
- Lead Generation
- Pitchbooks & Deal Support
- Zero Touch Client Onboarding
- Automated Regulatory Reporting
- AI-Driven Portfolio Monitoring
- Financial Crime & Compliance (FRAML)
- Risk Management
- Automated Regulatory & Client Reporting
- Asset Servicing
- Reconciliation
- Payments
- Data Management
- Fee & Billing
- Omni-channel CX & Contact Centre
- Cloud Modernisation for Capital Markets Data Infrastructure
- AI-led engineering for high end trading systems
- Data & Analytics
- Enterprise Cloud Modernization
- Agentic AI Hub
Customer Examples:
- 1 of the Top 3 Global Asset Managers
- 3 of the Top 5Investment Banks by AUM
- 5 of the Top 15 Global Asset & Wealth Management firms by AUM
Credit Unions
We help credit unions deliver exceptional member experiences while operating more efficiently, leveraging Agentic AI, automation, and BPaaS to modernize servicing, reduce costs, and drive sustainable growth.
Capabilities
- AI-Powered Member Onboarding & KYC
- Agentic Member Servicing & Contact Centre (FinAI Hub)
- Loan Origination, Underwriting & Collections
- AI-Driven Fraud Detection & Dispute Management
- Payments & Transaction Processing
- Regulatory Compliance & Reporting
- Core Banking Modernisation & Digital Channel Enablement
- Omni-channel CX & Contact Centre
- Data & Analytics
- AI-led engineering
- Enterprise Cloud Modernization
Customer Example
- Leading US credit union technology ecosystem serving 600+ credit unions
Commercial Banking
We help commercial banks accelerate credit decisions and streamline operations across the lending lifecycle, leveraging Agentic AI, automation, and BPaaS to improve efficiency, strengthen compliance, and enable relationship managers to focus on client growth.
Capabilities
- Credit Appraisal & Underwriting Automation
- Credit Memo Generation & Financial Spreading
- Agentic Prospecting & Onboarding
- Loan & Product Origination
- Account & Customer Servicing
- Facility Set-up & Account Servicing
- AI-Driven Compliance & Regulatory Reporting
- Collections & Recovery
- Data & Analytics
- AI-led engineering
- Enterprise Cloud Modernization
- Agentic AI Hub
Customer Examples
- One of the largest US microfinance institutions by loan portfolio size
- A leading US microfinance lender serving 100,000+ small business borrowers
We deliver the full lending lifecycle as intelligent BPaaS across auto finance, consumer loans, student lending, and personal credit — serving both prime and sub-prime segments —with AI agents trained on real lending workflows driving decisions from origination through recovery.
Capabilities
- AI-Led Underwriting & Credit Decisioning
- Digitized Lending Journey Creation
- Lending App Modernization
- Agentic AI Customer Servicing
- Omni-channel CX & Contact Centre
- AI-Powered Delinquency Prediction & Collections
- Funding & Fulfilment
- Omni-channel Digital Borrower Experience
- Data & Analytics
- AI-led engineering
- Agentic AI Hub
Customer Examples
- 2 of the Top 10 US Consumer Lenders
- Leading auto finance & leasing company with $115B+ in managed assets
We help you deliver exceptional customer experiences through onboarding and servicing, leveraging Agentic AI, automation, analytics, cloud modernization and BPaaS to drive efficiency, compliance, and customer satisfaction.
Capabilities
- AI-Powered Onboarding & KYC
- Agentic AI Customer Servicing
- Omni-channel CX & Contact Centre
- AI-Driven Fraud Detection & Dispute Management
- Payments & Transaction Monitoring
- Core Banking Modernization
- Composable, API-First Digital Banking Platforms
- Financial Crime & Compliance Operations (FRAML)
- Regulatory Reporting
- Data & Analytics
- AI-led engineering
- Enterprise Cloud Modernization
- Agentic AI Hub
Customer Examples
- 2 of the Top 10 US Retail Banks
- One of the Top 3 banks in the UAE by total assets
- Leading new-age US Digital Bank
We help you deliver seamless, secure & compliant payment experiences, leveraging Agentic AI, automation and BPaaS capabilities across major payment rails.
Capabilities
- AI-Powered Transaction Monitoring & Anomaly Detection
- Payments Set Up
- Automated Payment Repair & Exception Handling
- Real-Time Sanctions & AML Screening (Partner: ComplyAdvantage)
- SAR Compilation & Automated Filing
- Fraud Detection & Investigations
- AI-Driven Dispute Management
- Settlement & Reconciliation
- Payment Platform Modernisation
- Omni-channel CX & Contact Centre
- AI-led engineering
- Enterprise Cloud Modernization
- Agentic AI Hub
Customer Examples
- 3 of the Top 10 Payments & Fintech companies globally by transaction volume ·
- Leader in digital remittances operating across 170+ countries
- Global B2B payments and fleet card company processing $50B+ annually
Industry Recognition
- Recognized as “Leader” — Everest Group Payments BPS PEAK Matrix 2025
We help you deliver personalized, secure, and seamless customer experiences across the card lifecycle, from acquisition and onboarding to servicing, disputes, and collections. Leveraging Agentic AI, intelligent automation, and BPaaS, we optimize loyalty, strengthen fraud prevention, and improve operational efficiency across customer segments.
Capabilities
- AI-Powered Onboarding & KYC
- Customer Segmentation & Loyalty Optimisation
- Compliance & Credit Checks
- Omni-channel CX & Contact Centre
- Agentic Underwriting & Limit Sanctions
- Card Issuance & Activation
- AI-Powered Fraud Detection & Prevention
- Automated Dispute & Chargeback Management
- Agentic AI Customer Servicing
- AI-Driven Collections
- Data & Analytics
- AI-led engineering
- Enterprise Cloud Modernization
- Agentic AI Hub
Customer Examples
- A top-5 US credit card issuer by purchase volume
- Fortune 500 global corporate payments company operating in 130+ countries
- A leading US non-prime credit card issuer serving 12M+ cardholders
We help you launch, scale and operate faster, leveraging Sutherland FinXelerate — our modular, API-first platform built specifically for FinTechs — with Incubate-to-Scale models that take you from launch to operational maturity without the overhead of building internal infrastructure.
Capabilities:
- FinXelerate: Modular API-First Accelerator Platform
- Modular Onboarding, KYC & Compliance
- AI-Powered Fraud Detection & Risk Management
- Omni-channel CX & Contact Centre
- Payments, Remittances & Reconciliation
- Agentic Customer Experience
- Agentic AI Customer Servicing
- Data & Analytics
- AI-led engineering
- Enterprise Cloud Modernization
- Agentic AI Hub
Customer Examples:
- 3 of the Top 10 Payments & Fintech companies globally by transaction volume ·
- Leader in digital remittances operating across 170+ countries
- Global B2B payments and fleet card company processing $50B+ annually
We help capital markets firms realize tangible ROI from AI with production-ready, domain-trained agents built for investment management operations. With deep domain expertise across Front, Middle, and Back Office operations, we combine AI-led operations with advanced digital engineering to streamline processes and workflows, improve performance, and deliver superior client experiences — at scale..
Capabilities:
- Investment Research & Analytics
- Lead Generation
- Pitchbooks & Deal Support
- Zero Touch Client Onboarding
- Automated Regulatory Reporting
- AI-Driven Portfolio Monitoring
- Financial Crime & Compliance (FRAML)
- Risk Management
- Automated Regulatory & Client Reporting
- Asset Servicing
- Reconciliation
- Payments
- Data Management
- Fee & Billing
- Omni-channel CX & Contact Centre
- Cloud Modernisation for Capital Markets Data Infrastructure
- AI-led engineering for high end trading systems
- Data & Analytics
- Enterprise Cloud Modernization
- Agentic AI Hub
Customer Examples:
- 1 of the Top 3 Global Asset Managers
- 3 of the Top 5Investment Banks by AUM
- 5 of the Top 15 Global Asset & Wealth Management firms by AUM
We help credit unions deliver exceptional member experiences while operating more efficiently, leveraging Agentic AI, automation, and BPaaS to modernize servicing, reduce costs, and drive sustainable growth.
Capabilities
- AI-Powered Member Onboarding & KYC
- Agentic Member Servicing & Contact Centre (FinAI Hub)
- Loan Origination, Underwriting & Collections
- AI-Driven Fraud Detection & Dispute Management
- Payments & Transaction Processing
- Regulatory Compliance & Reporting
- Core Banking Modernisation & Digital Channel Enablement
- Omni-channel CX & Contact Centre
- Data & Analytics
- AI-led engineering
- Enterprise Cloud Modernization
Customer Example
- Leading US credit union technology ecosystem serving 600+ credit unions
We help commercial banks accelerate credit decisions and streamline operations across the lending lifecycle, leveraging Agentic AI, automation, and BPaaS to improve efficiency, strengthen compliance, and enable relationship managers to focus on client growth.
Capabilities
- Credit Appraisal & Underwriting Automation
- Credit Memo Generation & Financial Spreading
- Agentic Prospecting & Onboarding
- Loan & Product Origination
- Account & Customer Servicing
- Facility Set-up & Account Servicing
- AI-Driven Compliance & Regulatory Reporting
- Collections & Recovery
- Data & Analytics
- AI-led engineering
- Enterprise Cloud Modernization
- Agentic AI Hub
Customer Examples
- One of the largest US microfinance institutions by loan portfolio size
- A leading US microfinance lender serving 100,000+ small business borrowers
Case Studies
Our Solutions
Our comprehensive solution suite covers the entire transformation journey, from data and analytics platforms to operational BPaaS, application-level systems, and end-to-end solutions. Powered by AI-led solutions, intelligent automation, and domain-trained agents, we modernize legacy environments, enhance agility, and future-proof financial service organizations.
Sutherland FinAI Hub
Powered by 90+ AI agents and domain-trained models for BFS, Sutherland FinAI Hub accelerates intelligent automation across lending, fraud, servicing, and compliance — enabling faster decisions, smarter operations, and responsible AI at scale.
Sutherland FinTelligent
Drive Agentic AI-led automation across BFS processes — from origination to compliance — ensuring accuracy, speed, and cost efficiency.
Sutherland FinXelerate
Modular, digital-first solutions for FinTech firms covering onboarding, payments, compliance, and enterprise services to accelerate scale and innovation.
Financial Crime and Compliance
End-to-end solutions spanning KYC, customer screening, transaction monitoring, payment screening, SAR filing, and fraud detection.
Sutherland Debt Collections
AI-powered, digital-first collections suite combining agentic AI, analytics, omni-channel engagement, and embedded compliance to reduce charge-offs, strengthen recoveries and enhance customer experience.
Retail Banking Operations
Comprehensive core banking services across deposits, payments, product management, channel servicing, and regulatory reporting, with multi-cloud deployment and ecosystem integration.
Lending Operations
End-to-end support for auto, consumer, mortgage, and commercial loans — from origination and underwriting to servicing, collections, and recovery — powered by analytics and digital-first customer journeys.
Payments Operations
Coverage across the entire payments and remittance value chain, supporting all major payment rails — Swift, MT, ACH, SEPA, Direct Debit, FedNow, Faster Payments, CHIPS, CHAPS, Target, and more.
Cards & Issuer Operations
Reimagined card lifecycle management — from onboarding and KYC to servicing, fraud management, disputes, and collections. Advanced analytics enable customer segmentation and loyalty optimization.
Customer Service and Contact Center
Omni-channel support across digital and assisted channels, covering account servicing, billing, disputes, and fraud resolution. Licensed and unlicensed agent support for retail, commercial, FinTech, and payments clients.
Composable Banking Platform Accelerator
An AI-powered, modular, and API-driven architecture that enables faster product launches, broader digital channel reach, and greater operational agility.
Core Banking Modernization
Modernize and integrate core banking platforms across deposits, lending, and payments. Deliver modular architectures, seamless migrations, and composable frameworks that improve resilience and flexibility.
Legacy Transformation & Integration
Comprehensive modernization of legacy and mainframe systems, including data conversion, API enablement, and cloud-native upgrades to support scalable, future-ready operations
Experience Design & Engineering
Design and engineer digital-first banking experiences across onboarding, account servicing, lending, payments, and collections. Use conversational AI and automation to enhance customer and employee interactions.
Platform-Based SaaS Solutions
Implement ready-to-deploy SaaS solutions for lending, KYC, payments, and collections to accelerate adoption and reduce operational overhead.
Cloud & Infrastructure Services
Deliver secure, compliant cloud transformation tailored for banking and financial services. The E.A.S.I. Cloud Management Platform supports resilience, efficiency, and innovation across regulated environments.
Agentic AI Solutions
The Sutherland FinTelligent® platform applies Agentic AI automation across banking processes – from origination to compliance – to enhance accuracy, speed, and cost romanceance.
Banking Target Operating Model Design
Build future-ready operating models for retail, commercial and payments organizations. Optimize processes, technology stacks, organizational design and rightshoring strategies to enhance efficiency, compliance, and resilience.
AI-First Banking Transformation Design
Reimagine banking operations through an AI-first lens. Embed intelligence into lending, payments, and compliance workflows to unlock automation, accuracy, and exceptional customer experiences.
Global Capability Center (GCC) Design & Transition
Enable banks and FinTech firms to build or scale GCCs across operations, technology, and compliance. Drive seamless transitions, robust governance, and regulatory assurance for global delivery excellence.
Sutherland Labs (BFS)
A human-centered design lab for banking and financial services. Co-create omnichannel customer journeys, next-generation products, and innovative services powered by design thinking, behavioral insights, and data intelligence.
Digital Acceleration Center
A co-innovation hub that accelerates digital adoption for banks and FinTechs. Rapidly prototype, test, and deploy solutions in payments, lending, and compliance using modular, scalable platforms.
Sutherland Connect®
Omni-channel customer experience platform tailored for banking and financial services, enabling seamless, compliant engagement across channels.
Sutherland CX360®
AI-driven interaction analytics that improve customer journeys across lending, payments and compliance touchpoints.
Conversational AI
Intelligent chat and voice automation that powers self-service, collections, and fraud dispute resolution.
Extract
Document digitization for banking workflows including loan documents, KYC forms, and payment instructions.
Robility®
Hyperautomation framework designed to orchestrate complex banking workflows such as AML alerts, loan processing, reconciliations.
Sutherland Translate AI®
Multilingual AI solution enabling global banking support and compliance documentation at scale.
SmartLeap® HelpTree
AI-driven IT service management and troubleshooting for banking systems and employee support.
Sutherland Anywhere®
Secure remote workforce orchestration for compliant banking and financial operations.
Agent Assist
AI-augmented support tool that provides banking agents with real-time suggestions and compliance prompts.
Collect AI
Collections analytics platform with delinquency prediction, segmentation, and next-best-action models to optimize recovery strategies.
Growth Analytics
Predictive analytics models that drive customer lifetime value, deposit growth, and cross-sell in retail and commercial banking
IDScan
Real-time document verification and KYC automation for faster, more accurate onboarding and compliance.
Sutherland Sentinel AI®
AI-led quality monitoring solution for proactive oversight of contact center interactions and compliance adherence.
Prodigy
Finance digitization platform delivering end-to-end automation and insight for finance and accounting transformation.
CloudTestr
AI-powered quality engineering platform for continuous testing and assurance of banking applications.
Engage
Integrated agent workspace combining AI-augmented analytics and desktop tools to enhance service effectiveness.
Level Up
Performance management platform for quality monitoring, coaching, and continuous improvement in service delivery.
Agentic Software Engineering (ASE)
Deliver AI-led software with Sutherland’s proprietary, governance-first ASE framework. Orchestrate agents across the SDLC.
Why Sutherland
End-to-End Transformation Partner
Sutherland embeds AI-led solutions into the banking workflows we run across customer servicing, KYC, disputes, fraud, compliance, lending support, and finance operations. This closed loop between engineering and operations uses real-world feedback from customer journey, exceptions, compliance, risk, fraud, and cost performance to sharpen our solutions and improve operational performance.
Outcome-Driven Commercials
Over 70% of engagements are tied to quantifiable business outcomes, ensuring sustained efficiency, agility, and growth. A large proportion are self-funded: the cost savings generated in early phases fund the transformation itself.
Proven Performance Gains
Our programs deliver over 40% TCO reduction and 70% efficiency uplift, leveraging AI, automation, analytics, and cloud to optimize end-to-end banking operations. With NPS of 70+, we bring measurable outcomes and customer delight to the table.
Our Partners
Providing a comprehensive suite of technology solutions for the Financial Services Industry.
Powering real-time fraud and AML risk intelligence with ComplyAdvantage’s industry-leading AI-driven financial crime intelligence.
With FinScan, we enable stronger AML and compliance capabilities for enterprises.
Featured Recognitions
Everest Group Payments BPS PEAK Matrix® 2025
Everest Group Financial Crime & Compliance (FCC) Operations Services PEAK Matrix® 2025
HFS Horizons: Agentic Services 2026
HFS Financial Crime & Compliance Horizons in Financial Services 2026
Everest Group Lending Services Operations PEAK Matrix® 2024
Everest Group Experience-Driven Integrated BFS Operations PEAK Matrix® 2024
Insights
Outlook 2026 | BFS | The Agentic Banking and Financial Services Enterprise
Read More
Agentic AI in Financial Services: Smarter Decisions, Real Outcomes
Read More
The Rise of FRAML: A CXO Playbook for Unifying Fraud & AML in the Age of AI
Read More
Composable + AI: The Future of Digital Banking Innovation
Read More
CXO Guide: Accelerating AI and Automation in BFS
Read More
Industry Webinars
Ready to Grow, Protect, and Transform?
Talk to our BFS experts and find out how Sutherland can deliver measurable outcomes for your institution.