About WrkFlws

We don't advise on
transformation. We execute it.

WrkFlws builds the intelligence layer that turns a modern banking core into a competitive advantage — enterprise AI, unified risk intelligence, automated compliance, and the data governance underneath all of it.

Origin

Built from the inside out.

Greg Wood left Bridgewater Associates in 2011 to found WrkFlws, Inc. The original mission was straightforward: help investment banks and money managers comply with the wave of new regulatory requirements reshaping the US financial system after the crisis.

Over the next several years, the company built deep competencies at the intersection of IT, operations, and finance — project management, business analysis, and subject matter expertise in governance, risk, compliance, accounting, and business transformation — delivering inside the world's most demanding financial institutions.

That work revealed a pattern. Banks kept hiring strategy firms that produced recommendations, and software vendors that sold licenses. But nobody was executing the full transformation — strategy through deployment — with a team that understood both the technology and the business.

The shift came when WrkFlws was brought in to lead the complete digital transformation of a $4B+ asset bank — unifying 9 subsidiary institutions onto a single intelligent platform. 846 people. 46 projects. 15 months to production. That engagement became the blueprint for everything we do today: not advising on transformation, but building it.

Our current focus is helping banks deploy the intelligence layer that most institutions still lack — enterprise AI, predictive risk, automated compliance, and the data governance that makes all of it possible.

2011 Founded after Bridgewater. Regulatory consulting for US banks and asset managers.
2013 Expanded into governance, risk, IT transformation, and operations for Tier-1 financial institutions.
2018 Enterprise fraud risk management for a global financial services firm — 200,000 employees trained.
2021 Pivoted to AI-first delivery. Smart applications and intelligent automation for banking.
2023 Led full digital transformation of $4B+ asset bank — 9 subsidiaries unified, 30+ AI assistants deployed.
Now Delivering banking intelligence layers globally. Brooklyn HQ, teams across 3 continents.
Greg Wood
Founder & CEO · Brooklyn, NY
Author of Drift: The 12 Laws of Organizational Physics

What We Believe

Three principles. Zero exceptions.

Radical Transparency

No hidden costs, no obscured timelines, no surprises at steering committee. The bank sees everything we see — architecture decisions, risk registers, budget burn — in real time.

Extreme Ownership

We don't hand over a report and leave. If we build it, we stand behind it through production. When something breaks at 2am, it's our problem before it's yours.

Constant Improvement

Every engagement makes the methodology sharper. The "12345" delivery system we use today was forged across dozens of production deployments — and it's still evolving.

What Makes Us Different

Our people make the difference.

We deploy multi-disciplinary teams of senior systems architects and subject-matter experts who have front-line experience delivering change in large, complex organizations. Not junior consultants learning on your budget.

Full Execution, Not Advice

Strategy through deployment. We don't produce a roadmap and hand it off — we build, test, deploy, and stand behind every system we deliver.

Bank Owns All IP

Every line of code, every model, every document belongs to you. No vendor lock-in. No proprietary systems you can't modify or leave.

Intelligence Where It Matters

AI that approves loans, flags suspicious transactions, and triggers collections — embedded across every business domain from day one, not bolted on after.

No Recurring Fees Without Recurring Value

Build phase is project-based and milestone-linked. Post-deployment Managed Intelligence is month-to-month. Cancel anytime with 90-day notice.

Why This Model

Three models. One that
actually delivers.

Banks typically evaluate three approaches. Here's how they compare — and why the model matters as much as the vendor.

Dimension Strategy Consultancies Software Vendors WrkFlws
Deliverable Strategy report + recommendations Software license + implementation Full execution: strategy through deployment
Team Junior consultants, rotating staff Vendor project managers Senior systems architects + domain experts
Core System Recommend 3rd party vendor Proprietary system (lock-in) You own the IP, control the roadmap, choose your own pace
AI Capability AI "readiness assessment" Basic chatbot add-on Automated loan decisions, fraud detection, collections — fewer manual touches
Cost Model Time & materials, hourly billing Annual license renewal in USD Milestone-linked build, month-to-month managed services
Post-Project Hand over report, walk away Perpetual dependency Managed Intelligence: ongoing value, no lock-in

How We Work

Three phases. Start small.
Scale with confidence.

We don't propose a 3-year program on day one. We earn the right to scale by delivering results first. Every engagement follows the "12345" Methodology — a structured delivery system forged across dozens of production deployments.

The "12345" Methodology

A structured delivery framework that sequences work across five dimensions: 1 unified architecture vision, 2 parallel work streams (technology + organization), 3 delivery phases (diagnose → pilot → scale), 4 governance checkpoints per phase, and 5 knowledge transfer milestones that ensure the bank's team owns the capability at completion. Adapted for each market's regulatory environment, talent pool, and infrastructure realities.

Phase 0

Diagnostic Assessment

2–4 week on-site assessment. We find where you're losing money, where you're exposed, and what can be fixed fastest. Deliverable: a prioritized roadmap — what to do first, what it costs, and what results to expect. Fixed-fee, no commitment beyond this phase.

Phase 1

Single Module Pilot

Deploy one capability — typically starting where the pain is sharpest, whether that's loan losses, compliance burden, or customer attrition. Measurable outcomes before expanding scope. This is where we prove it works in your environment, with your team, on your data.

Phase 2

Expansion & Managed Intelligence

Expand based on what Phase 1 proved. Progressive knowledge transfer so your team runs day-to-day operations. WrkFlws transitions to ongoing support — keeping models sharp, regulatory updates current, and production stable. Month-to-month. Cancel anytime with 90-day notice.

Engagement Principles

Collaborative: We work with your stakeholders to understand objectives, success criteria, priorities, and assumptions. Agile: Our process is iterative, modular, and flexible — not a rigid multi-year waterfall. Delivery-driven: On-time, within-budget projects with measurable outcomes at every milestone.

Clients & Partners

Trusted by institutions that
can't afford to get it wrong.

Top financial organizations have relied on our team to ensure the success of their most critical transformation programs.

TD Bank
RBS
UBS
Broadridge
Hong Kong Exchanges
World Gold Council
LexisNexis

Next Step

Let's see if there's a fit.

In 30 minutes, we'll share what we've seen work in comparable transformations and assess whether our approach is right for your institution.

Schedule a Briefing →