About
Operators, not observers.
WrkFlws is built by people who have led transformation from inside major financial institutions, accountable for the outcome, not the slideware. That changes what we recommend, because we've had to live with the consequences of recommendations.
Where We've Done the Work
Experience earned inside the institutions.
Our team has led end-to-end transformation for banks and financial institutions: financial-crime and AML programs, regulatory change delivered to supervisory deadlines, enterprise data platforms and governance, core consolidation, digital channel programs, and enterprise AI deployed at scale, inside live, regulated environments where the cost of getting it wrong is real.
That history shapes how we engage. We know which programs stall and why. We know what regulators ask for, what operations teams push back on, and where the gap between the demo and the production system actually lives. We bring fewer people than the large consultancies, and the people we bring have done the work before.
- TD Bank
- RBS
- Broadridge
- Hong Kong Exchanges
- UBS
- Putnam Investments
- World Gold Council
- LexisNexis
Founder
WrkFlws was founded by Greg Wood, who built its predecessor firm, GIBC Digital, which maintained an office in Abuja and under which much of the work on this page was delivered. His background is the firm's in miniature: derivatives law at Linklaters, regulatory change at Bridgewater Associates, where he led the firm's implementation of Dodd-Frank, and transformation programs inside globally systemic banks. He holds a J.D. and LL.M. from Cornell Law and an MBA from Cornell Johnson, and completed the Advanced Management Program at MIT Sloan. He is the author of DRIFT: How to Build an Organization That Holds, which maps the eleven forces that determine whether an organization compounds strength or decays, and which underpins the firm's operating-model work.
How We're Organized
Small on purpose. Senior by design.
Every engagement is staffed from four groups, and every engagement includes all four. No one hands off to a bench they've never met.
Practitioners, not partners-in-name.
Our leadership has run regulatory change, transformation, and risk programs inside globally systemic banks, with backgrounds that span derivatives law, Dodd-Frank regulatory change programs at major financial institutions, and enterprise technology. They scope the work, they stay on the work, and they carry the outcome.
Engineers and data scientists who ship to production.
Software engineers, data scientists, and solution architects across three continents, deployed on-site and remote. They have built data platforms, monitoring engines, and AI systems inside regulated perimeters, and handed them over.
Financial crime, compliance, credit, and operations.
Specialists embedded in every engagement so that what we build passes the audit as well as the demo, and so the controls, documentation, and governance are designed in from the start, not retrofitted.
Brooklyn headquarters. On-site delivery globally.
Headquartered in Brooklyn, NY, with delivery teams across three continents and on-site delivery wherever the institution is. We work in your data center, under your controls, alongside your people.
What We Believe
Positions we'll defend in your boardroom.
Business results, not go-lives.
A system going live is a milestone, not an outcome. Every program we run is tied to a business result: customers acquired, losses prevented, cost removed. That's the number we report against.
If it touches the customer or the risk, the bank runs it.
Settlement, account management, customer profiles, fraud grading, risk control: these stay bank-owned, because the regulator holds you accountable for them. You can outsource the build. You can never outsource the responsibility.
Sequence matters as much as the work.
Data first, process second, technology and people third. Each layer depends on the one beneath it. Banks that invest in the data foundation first make real progress; banks that skip to the use cases watch them collapse.
AI is not a hiring problem.
AI doesn't work without clean data and a real platform, whoever you hire. The banks getting value from AI built the foundation first and engineered for production constraints: safety, compliance, no data leakage. The flash is optional. The discipline isn't.
Proof
What this approach delivered at one traditional bank.
The strategy rested on three pillars: a modern data center, a central data platform, and a dedicated bank-wide transformation team. The discipline was tying every program to a business result, never just a system go-live.
Digital customers, over five years, at a traditional bank.
The takeaway isn't the technology. It's the sequencing: start with data and organization, and let the business results follow. That same model, adapted to your market, your regulator, and your starting point, is what we bring to every engagement.
Selected Engagements
Delivered under the regulator's eye.
Work performed under the scrutiny of regulators, internal audit, and model-risk and operational-risk functions, not alongside them. Institutions are not named.
Enhanced Prudential Standards conformance, delivered to a fixed deadline.
A 22-person team led by the firm conformed the bank's U.S. operations to Foreign Bank Enhanced Prudential Standards: an intermediate holding company established as the group's single controlled channel for inter-company funding, the front-to-back booking model redesigned across eight U.S. entities, and infrastructure built for three wealth-management entities under Reg YY and Reg Q. Consolidating the group's Federal Reserve account saved over USD 2 million a year. The deadline was met in full, and the funding infrastructure built to meet it now generates over USD 25 million a year in recurring P&L.
Degraded models behind a USD 4 billion portfolio, rebuilt under SR 11-7.
Recalibration, repair of a database of millions of rows, independent replication of the entire analytic engine through millions of simulated calculations, and approval through the bank's full model-governance framework: calibrated, approved, and deployed to production within four months. Rigour and speed are not a trade-off when the work is sequenced correctly.
A mortgage-securities capability stood up front to back, under first-line risk governance.
Requirements-driven system selection, integration of industry-standard analytical models, validated risk metrics, and a first line of defence for interest-rate risk operating in production. Every component cleared the bank's governance before it ran, the same sequence any institution must follow when standing up capability it has never operated before.
Tokenised settlement for a global over-the-counter market, from workshop to live demonstration in under six months.
A working multi-party application on a smart-contract platform: privacy enforced at the ledger level across every participant role, the regulator built in as a native observer of trades, and same-day atomic delivery-versus-payment replacing a multi-day, multi-timezone process. Full documentation and all intellectual property handed to the client at close.
Next Step
30-Minute Executive Briefing
Bring us your hardest problem. We'll tell you what we've seen work, and whether we're the right fit.
Get in Touch →