AI for UK Banking · Compliance-Ready · No Vendor Lock-in

Deterministic AI for banks
that cannot afford to hallucinate.

Your underwriting team is drowning in PDFs. Your compliance team is clearing false positives by hand. Your legal team spends months on regulatory gap analysis. We build the AI systems that fix those three problems, with a full audit trail your regulators can inspect and code your team owns outright.

Book a Blueprint Workshop View reference architectures
£4,620
analyst cost recovered per night by AML triage engine
90%
token cost reduction via prompt caching on 50-page documents
0
hallucinated financial figures across all production deployments
Anthropic Partner Network
Claude Certified Architect (CCA): In Progress
Registered in England and Wales, Co. No. 15487606
Open Source: All reference builds on GitHub
Built with
Anthropic Claude API
Model Context Protocol (MCP)
LangGraph
Pydantic · FastAPI
UK FCA / PRA Compliance
DevSecOps · HITL

Measured outcomes

The numbers your board
will actually ask about.

Every build is measured against what matters in UK regulated finance: cost saved, risk removed, and compliance maintained. Not benchmark scores on a test dataset.

£4,620per night recovered
Analyst cost recovered by AML batch triage engine, every single night
500+
Transactions evaluated per nightly batch run at 50% compute cost discount
12 wk
From blank repo to production-grade multi-agent platform, fully documented
100%
Deterministic JSON output: zero hallucinated entities or financial figures
Every design decision is documented and reviewable. Your CTO, CISO, and compliance team receive a full record of what was built, why each architectural choice was made, and how risk was controlled at every layer.
Request Full Brief →

How we work

No retainers. No lock-in.
You own everything.

A fixed three-stage process. You know the cost before you commit, the timeline before we start, and you leave with code your team controls outright.

01

Blueprint Workshop

A 2-4 hour working session where we map your current workflow, identify where AI errors would cause the most damage, and scope a solution with a fixed cost and timeline. You leave with a document your CTO and CRO can review before committing to anything further.

Fee: £5,000. No further commitment.
02

Architecture Sprint

We work alongside your team for 8-12 weeks. We build the system, test it against your real documents and workflows, and document every design decision so your engineers understand what was built and why. No black boxes delivered.

Scoped and priced at Blueprint stage
03

Handover and Knowledge Transfer

You receive the complete codebase, full documentation, operational runbooks, and a handover session with your engineering team. No ongoing fees, no vendor dependency. Your team runs it from day one.

Full IP transfer at handover

Featured Build

From 4 hours per application
to 4 minutes.

The problem

A commercial lending team was spending 60-80% of every working day extracting figures from scanned balance sheets, Companies House filings, and asset registers before a single credit decision could be made. Senior underwriters were doing data entry.

The solution

The system reads scanned documents directly, extracts every figure into a structured record, routes all financial calculations to a verified Python server so no number is ever invented by the AI, and holds every credit decision for human sign-off before it is logged. Customer data is sanitised before it reaches any external service.

10x throughput
on document extraction
90% cost reduction
in AI inference costs via prompt caching
Zero arithmetic risk
LLM maths eliminated via MCP server
Read the full architecture

What we build

Five problems we have already
solved for UK financial services.

Each build targets a specific operational cost in banking or lending. Every codebase is open source so your team can inspect the architecture before any commercial conversation.

01 /

Commercial Credit Underwriting

Reduces document extraction from hours to minutes. Reads scanned PDFs and balance sheets directly, routes all financial ratio calculations to a verified Python server, and holds every decision for human review before it is logged.

View codebase & ADRs
02 /

AML False-Positive Triage Engine

Clears 90%+ of overnight AML alerts automatically, leaving your compliance analysts to focus on the cases that genuinely need them. Every cleared alert includes a documented reason your team can review and your regulator can inspect.

View codebase & ADRs
03 /

Regulatory Gap Analyzer

Cuts regulatory gap analysis from months to minutes. Reads new FCA or PRA policy updates alongside your internal policies and produces a structured report with exact citations from both documents. No paraphrasing. No invented references.

View codebase & ADRs
04 /

Legal Redliner

Reduces commercial loan covenant review cycles from days to minutes. Two AI agents review each clause against your lending policy, challenge each other's reasoning, and only output a final draft when every clause meets the standard. Your lawyers review the output, not the raw documents.

View codebase & ADRs
05 / Featured capstone

UBO Corporate Unraveler

Reduces KYC beneficial ownership investigations from hours to seconds. The system traces corporate ownership chains through Companies House automatically, layer by layer, until it finds a human. It never invents an entity it cannot verify. Every step is logged for your audit trail.

View codebase & ADRs
Ifat Noreen — Principal Agentic AI Architect
AMD Research · 9+ yrs Regulated Finance AI Enterprise AI DevSecOps

About the founder

Built by an engineer.
Designed for compliance.

I am Ifat Noreen, founder of ShiftAi Systems Ltd. Before building AI systems I spent 9 years designing high-performance computing infrastructure at AMD Research, where the standard was not good enough but provably correct. I apply that same standard to every AI system I build for banks and lenders.

We do not sell software licences or retainer contracts. We embed within your team, build the system alongside your engineers, and hand it over completely. Your compliance team gets a system they can explain to the FCA. Your engineering team gets code they understand and can maintain.

Connect on LinkedIn View GitHub repos

Start here

One session to know
exactly what to build.

A 2-4 hour working session with your risk and engineering leads. We map your current workflow, identify where AI errors would cause the most damage, and produce a fixed-cost proposal for the full build. No obligation beyond the session.

Book a Blueprint Workshop from £5,000 hello@shiftaiconsulting.co.uk

Frequently asked questions

Common questions,
straight answers.

A 2-4 hour working session producing three things: a data lineage map of your current workflow, a hallucination risk audit identifying every point where unverified AI output could cause a compliance or fiduciary failure, and a scoped architecture proposal with effort and cost estimates for the full sprint. You leave with a document your CTO and CRO can review. The £5,000 fee covers the full session and deliverables. There is no commitment beyond this.
Yes. Every engagement ends with a complete codebase handover: production-ready code, all Architecture Decision Records documenting every design choice, runbooks for your operations team, and a knowledge transfer session for your engineering team. We do not operate a SaaS model. You own everything we build.
Yes. We sign a mutual NDA before any discovery conversation involving your internal data, workflows, or systems. We are registered in England and Wales and operate under UK law.
The Blueprint Workshop is a single session. A full architecture sprint is typically 8-12 weeks from kickoff to handover, depending on scope. We have delivered production-grade multi-agent platforms in 12 weeks from a blank repository.
Yes. Our reference architectures are built on the Anthropic API, Model Context Protocol, and LangGraph. The patterns are stack-agnostic. We have built MCP adapters for legacy core banking APIs. If your systems expose an API, we can build a governed, auditable agentic layer on top of them.