DIGITAL BANKS
The digital bank that grew too fast for its own controls
- CHALLENGE
- Three million accounts in two years, and a security team still sized for the original startup. The board knew what BACEN, Brazil's Central Bank, would ask at the next inspection. It also knew it lacked the answers.
- SOLUTION
- We aligned the bank with CMN Resolution 4,893 and BCB Resolution 85, ran continuous subscription-based pentesting across the app, APIs, and infrastructure, and reviewed the governance of the AI model behind credit decisioning.
- RESULT
- The regulator's inspection came and went without a single critical finding. The risk committee now reads a monthly dashboard the board understands, and the security team grew on a plan instead of in a panic.