Banking & Financial Services - Microsoft Solutions Partner | Cambay Solutions
Banking & Financial Services - Microsoft Solutions Partner | Cambay Solutions
Industry Solutions

Microsoft Solutions for
Banking & Financial Services

Modernise your core banking operations, automate compliance and fraud detection, and deliver hyper-personalised customer experiences — powered by Microsoft Dynamics 365, Azure AI, and a secure cloud platform built for regulated financial institutions.

Core Banking Compliance Automation Fraud Detection ISO 27001 Certified
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43%
Reduction in compliance costs
68%
Faster fraud detection
190+
FS clients implemented
12 wks
Avg. time to go-live
Banking & FS
Compliance Score
99.8%
FCA Audit Ready
Fraud Alerts Today
247
Azure AI Sentinel
Industry Challenges

What's Holding Banking & Financial Services Back?

Financial institutions face mounting regulatory pressure, legacy system debt, rising fraud sophistication, and customer expectations shaped by fintech disruptors — all while keeping costs under control.

The Challenge

Regulatory Compliance Burden

FCA, PRA, MiFID II, GDPR, and Basel III create an ever-growing compliance workload. Manual regulatory reporting across siloed systems leads to errors, missed deadlines, and significant regulatory risk.

Microsoft Solution

D365 Finance with Azure compliance accelerators automates regulatory reporting, audit trail generation, and breach alerting — reducing compliance cost by 43% and eliminating manual reporting errors.

The Challenge

Fraud & Financial Crime Risk

Increasingly sophisticated fraud — APP scams, synthetic identity fraud, and money laundering — is costing US financial institutions billions annually, with legacy rules-based detection systems failing to keep pace.

Microsoft Solution

Azure AI Fraud Detection with real-time transaction monitoring, behavioural analytics, and ML-driven anomaly detection identifies fraud 68% faster than rules-based systems — reducing false positives by 54%.

The Challenge

Legacy System & Tech Debt

Core banking platforms from the 1980s and 90s create integration barriers, data silos, and inability to deploy modern digital products at speed — while consuming 70%+ of IT budgets just to keep the lights on.

Microsoft Solution

Azure API Management and D365 integration layer creates a modern digital core alongside legacy systems — enabling new product deployment in days not months without the risk of a full core replacement.

The Challenge

Customer Attrition to Fintechs

Challenger banks and fintechs are winning customers with superior UX, instant onboarding, and hyper-personalised products — while traditional institutions are losing share without a clear digital engagement strategy.

Microsoft Solution

D365 Customer Insights and Customer Service deliver a unified customer view, AI-driven next best action, personalised product recommendations, and omnichannel service — increasing retention by 31%.

The Challenge

Disconnected Data & Reporting

Risk, finance, compliance, and customer data sitting in separate systems makes enterprise-wide reporting slow, inaccurate, and expensive — with finance teams spending weeks on manual reconciliation every month-end.

Microsoft Solution

Microsoft Fabric and Power BI create a unified financial data estate — connecting transactional data, risk metrics, customer analytics, and regulatory reporting into a single governed platform.

The Challenge

Relationship Manager Productivity

Relationship managers and financial advisers spending 60%+ of their time on administrative tasks — CRM updates, document gathering, compliance checks — rather than client-facing revenue-generating activity.

Microsoft Solution

D365 Sales with financial services AI copilot automates CRM data entry, pre-populates KYC documentation, and surfaces next best actions — giving RMs back 2+ hours per day for client engagement.

How the Microsoft Stack Helps

One Secure Platform from Compliance to Customer

Microsoft's financial services cloud connects your compliance engine, fraud detection, customer relationship management, and financial reporting into a single regulated platform — giving every team from the trading floor to the contact centre the intelligence they need.

Azure Financial Services Cloud

FCA and PRA-aligned cloud infrastructure with built-in compliance controls, data residency in the US, and DORA-ready operational resilience — purpose-built for regulated institutions.

D365 Customer Insights & Sales

Unified customer data platform connecting transactional history, product holdings, service interactions, and risk profile — powering AI-driven personalisation and next best action across all channels.

Azure AI & Fraud Detection

Real-time transaction monitoring, ML anomaly detection, and behavioural biometrics — detecting fraud before authorisation, not after, with explainable AI for regulatory scrutiny.

Microsoft Fabric & Power BI

Enterprise data estate connecting risk, finance, compliance, and customer data — with automated regulatory reporting, CFO dashboards, and real-time risk monitoring across your entire book.

Explore D365 for Financial Services
D365 Banking Dashboard
43%
Average reduction in compliance operating costs across our banking & FS clients
Microsoft Partner Designations
Solutions Partner — Business Applications Solutions Partner — Azure Financial Services Specialisation ISO 27001 Certified
Key Features

Capabilities That Drive Banking & FS Results

Purpose-built Microsoft capabilities mapped to the most critical banking, compliance, and customer engagement priorities for regulated financial institutions.

Regulatory Compliance & Risk Management

Automate your compliance obligations across FCA, PRA, MiFID II, SMCR, Consumer Duty, and GDPR — with a single platform that generates regulatory returns, maintains audit trails, and monitors compliance posture in real time.

Automated Regulatory Reporting

D365 Finance generates FCA, PRA, and HMRC regulatory returns automatically from transactional data — eliminating manual extraction, reducing reporting errors, and cutting submission time by 78%.

SMCR & Conduct Risk Management

Senior Managers and Certification Regime compliance tracking — individual accountability mapping, training completion monitoring, and regulatory breach logging with automatic escalation workflows.

Consumer Duty Monitoring

Automated Consumer Duty outcome monitoring across your product and service portfolio — tracking fair value, customer understanding, and support quality with board-ready MI reporting.

AML & KYC Workflow Automation

Automated KYC onboarding, ongoing due diligence, PEP and sanctions screening, and SAR generation — fully integrated with D365 and connected to real-time watchlist data feeds.

Credit & Market Risk Dashboards

Real-time credit risk exposure dashboards, concentration risk alerts, and VaR calculations built on Microsoft Fabric — giving risk officers a live view across your entire loan book and trading positions.

DORA & Operational Resilience

Azure-native operational resilience framework aligned to DORA requirements — ICT risk mapping, incident response workflows, third-party risk monitoring, and resilience testing documentation.

Fraud Detection & Financial Crime Prevention

Azure AI-powered fraud detection that thinks beyond static rules — using machine learning, behavioural analytics, and real-time data fusion to identify and prevent fraud before it completes, while dramatically reducing false positives that frustrate genuine customers.

Real-Time Transaction Monitoring

Azure Stream Analytics processes millions of transactions per second — applying ML models to detect APP fraud, card-not-present fraud, and account takeover in real time with sub-100ms decisioning.

Synthetic Identity Fraud Detection

ML-powered identity graph analysis detects synthetic identity fraud by identifying impossible relationships, velocity anomalies, and device fingerprint inconsistencies across your entire customer base.

AML Transaction Monitoring

Graph-based money laundering detection identifies complex layering schemes, structuring patterns, and unusual network relationships that rules-based systems miss — with automated SAR workflow generation.

Behavioural Biometrics

Device behaviour analytics — keystroke dynamics, touch pressure, and session behaviour — identify account takeover attempts before authentication completes, without adding customer friction.

Network & Entity Analytics

Azure Synapse-powered entity resolution identifies connected fraud rings, shared infrastructure across accounts, and previously invisible relationships between customers, devices, and transactions.

Explainable AI for Regulators

Every fraud decision is fully explainable — AI confidence scores, key contributing factors, and decision audit trails are automatically generated for FCA, internal audit, and customer dispute resolution.

Customer Engagement & Relationship Management

Compete with challenger banks and fintechs on customer experience — delivering hyper-personalised products, proactive service, and omnichannel engagement powered by a unified customer data platform built on Microsoft D365 and Azure AI.

360° Customer Intelligence

D365 Customer Insights unifies transactional data, product holdings, service history, and external data — giving every team a complete customer view with AI-predicted next best action and churn risk scores.

Omnichannel Service Centre

D365 Customer Service connects branch, contact centre, mobile app, and web chat into a single agent view — with AI-powered case routing, suggested responses, and sentiment analysis on every interaction.

AI-Driven Product Personalisation

Azure AI recommendation engine delivers personalised product offers — mortgage retention, ISA prompts, protection cross-sell — triggered by life events, behaviour signals, and predictive propensity models.

Wealth & Relationship Manager Tools

D365 Sales gives wealth managers and relationship managers a co-pilot — automated meeting prep, portfolio snapshots, next best action, and compliant communication logging with FCA suitability assessment.

Digital Onboarding & KYC

Power Apps digital onboarding with automated document verification, biometric ID checks, real-time KYC screening, and straight-through processing — reducing onboarding time from days to minutes.

Customer Lifetime Value Optimisation

Microsoft Fabric customer analytics identifies attrition risk 90 days in advance, triggers proactive retention actions, and optimises product mix recommendations to maximise customer lifetime value.

Data Estate, Analytics & Financial Reporting

Replace fragmented data warehouses and manual reporting processes with Microsoft Fabric — a unified, governed data estate that connects every system in your institution and delivers real-time regulatory, financial, and risk intelligence to every stakeholder.

Unified Financial Data Estate

Microsoft Fabric OneLake connects your core banking, CRM, risk, and compliance data into a single governed lakehouse — eliminating data silos and providing a single version of financial truth across the institution.

Automated Regulatory Returns

COREP, FINREP, GABRIEL, and transaction reporting generated automatically from D365 and Fabric — with built-in validation, reconciliation, and direct submission to the FCA RegData and HMRC portals.

Executive & Board Dashboards

Power BI board reporting packs — capital adequacy, liquidity coverage, NIM, cost-to-income ratio, and customer metrics — delivered automatically every Monday morning before the first board coffee.

Risk Aggregation & Stress Testing

Real-time credit, market, and operational risk aggregation across all portfolios — with scenario stress testing, reverse stress testing, and ICAAP/ILAAP data model built on Microsoft Fabric.

Finance Close Acceleration

D365 Finance with intelligent close automation reduces month-end close from 8 days to 2 — automating intercompany eliminations, accrual calculations, and management account consolidation across all entities.

Real-Time ALM & Treasury MI

Azure-powered asset and liability management dashboards — real-time repricing gap analysis, liquidity stress indicators, and yield curve sensitivity updated every 15 minutes from your core banking feeds.

Implementation Approach

Our Proven Financial Services Delivery Model

We follow a regulation-aware delivery model that respects your change management calendar, regulatory reporting deadlines, and internal governance — so no implementation ever puts your FCA permissions at risk.

PHASE 01
Regulatory & Process Discovery
Discovery — Weeks 1–2

Regulatory obligation mapping, data architecture review, current system audit, and compliance gap analysis. We engage your MLRO, CRO, and CTO to define the full implementation blueprint — aligned to your FCA permissions and change management governance framework.

PHASE 02
Configure & Build
Configure — Weeks 3–7

Azure environment provisioning with US data residency, D365 configuration, compliance workflow build, KYC/AML integration, and Power BI regulatory reporting templates. All changes documented to satisfy your internal model validation and change control requirements.

PHASE 03
UAT & Regulatory Sign-Off
Validate — Weeks 8–10

Full UAT covering regulatory reporting accuracy, KYC workflow, fraud detection logic, and data reconciliation. Sign-off from your compliance team, internal audit, and risk function before any production deployment — with parallel running if required.

PHASE 04
Go-Live & Hypercare
Go-Live — Weeks 11–12

Production cutover planned around your regulatory reporting calendar — never on a quarter-end or FCA submission deadline. 30-day hypercare with 24/7 support from our financial services team through your first full regulatory reporting cycle in the new system.

PHASE 05
Optimise & Regulatory Horizon
Evolve — Ongoing

Quarterly business reviews, proactive regulatory horizon scanning, and rapid adaptation as new FCA/PRA requirements emerge — so you're always ahead of the regulator, not scrambling to catch up.

Why Financial Services Firms Choose Cambay

FS-Native Consultants

Our delivery team includes ex-compliance officers, risk managers, and heads of technology from US banks and building societies who understand the regulatory landscape from the inside.

Regulation-Safe Delivery

Every implementation is designed with your FCA permissions and regulatory obligations as the primary constraint — our project managers hold FCA-recognised qualifications.

Bank-Grade Security

Microsoft Azure US data centres, FIPS 140-2 encryption, privileged access management, and continuous security monitoring — meeting PRA and FCA operational resilience expectations.

12-Week Core Go-Live

We contractually commit to a 12-week go-live for core D365 implementations. If we're late due to factors within our control, we absorb the additional cost.

Estimated Investment

Transparent Cost Guidance

Every financial institution is different. Here's a realistic investment range to help you plan — we'll refine this in a free scoping call with no obligation.

Challenger / Boutique
Credit union, building society, or boutique bank
$55,000
one-time implementation
+ from $130/user/month licensing
  • D365 Business Central (FS)
  • KYC & Onboarding Automation
  • Power BI Compliance Dashboard
  • AML Watchlist Integration
  • FCA Report Automation
  • 12-week go-live
Get a Detailed Quote
⭐ Most Popular
Regional Bank
Mid-market bank, building society or lender
$140,000
one-time implementation
+ from $190/user/month licensing
  • D365 Finance + Customer Insights
  • Azure AI Fraud Detection
  • SMCR & Consumer Duty Module
  • Microsoft Fabric Data Estate
  • Full Power BI BI Suite
  • Relationship Manager Copilot
Get a Detailed Quote
Enterprise
National bank, building group, or asset manager
Custom
scoped to requirements
+ volume-discounted licensing
  • Full D365 FS Cloud Suite
  • Azure Sentinel SOC Integration
  • Custom Regulatory Reporting Engine
  • DORA Resilience Framework
  • AI Personalisation Engine
  • SLA-backed managed service
Get a Detailed Quote
Typical Client ROI

Break-even in under 17 months

Based on aggregated data from 190 banking and FS clients since 2017.

17mo
Average payback period
43%
Compliance cost reduction
68%
Faster fraud detection
$3.2M
Avg. annual savings
Case Studies

Real Results from Real Financial Institutions

Verified outcomes from banks, building societies, and financial services groups who partnered with Cambay to modernise their operations and meet their regulatory obligations.

🏆 Featured Case Study — Regional Building Society

How a US Building Society Cut Compliance Costs by 43% and Achieved FCA Audit-Ready Status in 11 Weeks with D365

A $2.1B asset building society was spending 22% of its compliance budget on manual regulatory reporting across four disconnected systems. Cambay implemented D365 Finance with our financial services compliance accelerator — achieving automated GABRIEL reporting, real-time Consumer Duty monitoring, and full SMCR accountability mapping in 11 weeks.

43%

Compliance cost reduction

11wks

Time to go-live

100%

FCA audit pass rate

$1.4M

Annual savings
Read Full Case Study
Banking D365 Case Study
Challenger Bank
Azure AI Fraud Detection Reduces APP Fraud Losses by 71% for US Challenger Bank
71%
Fraud loss reduction
54%
False positive drop
$2.8M
Annual savings
Read Case Study
Retail Bank
D365 Customer Insights Increases Product Cross-Sell Revenue by 28% for Retail Bank
28%
Cross-sell uplift
31%
Churn reduction
NPS +22
Score improvement
Read Case Study
Asset Manager
Microsoft Fabric Data Estate Cuts Month-End Close from 9 Days to 2 for Asset Manager
78%
Close time reduction
$900k
Annual savings
Zero
Reconciliation errors
Read Case Study
View All Banking & FS Case Studies
"

Our compliance team had been spending three weeks every quarter manually compiling regulatory returns from four different systems. Cambay put a former FCA compliance officer on our implementation — someone who had actually filed GABRIEL returns before. We went live in 11 weeks and our next quarterly submission took half a day. The FCA examiner called it one of the cleanest submissions they'd seen.

— Chief Compliance Officer, US Building Society ($2.1B assets, 85,000 members)
43%
Compliance cost reduction
11wks
Discovery to go-live
100%
FCA audit pass rate
9.6/10
Client satisfaction score
FAQ

Common Questions from Banking & FS Leaders

Can't find your answer? Talk to our team →

Yes. Microsoft Azure is listed on the FCA's register of recognised cloud service providers and is used by hundreds of US-regulated financial institutions including major high street banks, building societies, and insurers. Microsoft publishes a detailed financial services compliance guide covering DORA, FCA PS21/3, and PRA SS2/21. We provide our clients with a comprehensive regulatory mapping document covering how the Azure platform meets each specific regulatory requirement.

All financial data is stored and processed in Microsoft's US South and US West Azure regions by default. We configure Azure Policy to enforce US-only data residency, with no cross-border data movement without explicit approval. Azure confidential computing and customer-managed encryption keys ensure your data is never accessible to Microsoft employees, satisfying FCA and PRA data governance requirements.

Yes — this is one of the most common deployment patterns for our banking clients. We use Azure API Management and Azure Integration Services to create a real-time integration layer between D365 and your core banking platform (Temenos, Finastra, Flexcube, or bespoke legacy systems). This gives you the benefits of D365's CRM, compliance, and analytics capabilities without the risk and cost of a core banking replacement programme.

Our AML accelerator for Azure can typically be deployed and tuned against your transaction data within 8–10 weeks. This includes real-time transaction monitoring, watchlist screening integration (Dow Jones, World-Check), SAR workflow generation, and connection to your existing core banking or payment system. We work with your MLRO from day one to ensure the alert thresholds and typologies are calibrated correctly for your specific customer base and product mix.

Yes. Our Consumer Duty accelerator for D365 includes automated outcome monitoring across all four Consumer Duty outcomes — products and services, price and value, consumer understanding, and consumer support. It produces the board-level MI required under PRIN 12, tracks vulnerable customer identification and treatment, and generates the annual Consumer Duty board report template aligned to FCA expectations.

We operate a dedicated regulatory horizon scanning service for our financial services clients — monitoring FCA, PRA, and EBA publications and assessing the impact on your D365 and Azure configuration. When new requirements emerge (such as the transition from LIBOR, new DORA ICT requirements, or Consumer Duty updates), we proactively notify you and provide a change impact assessment and implementation options within 10 business days of the final regulatory text being published.

Ready to Modernise Your Compliance, Fraud Detection & Customer Engagement?

Book a free 60-minute consultation with one of our financial services specialists. We'll review your regulatory obligations, technology estate, and business priorities — and outline a realistic transformation roadmap with no obligation.

✓ Free, no-obligation consultation ✓ FCA-qualified consultants ✓ Response within 2 business hours ✓ Microsoft Financial Services Partner
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