Compliance-first delivery
In finance, “secure” is not enough. You also have to prove it
A fintech can have excellent security and still lose a bank partnership because it cannot show evidence of quarterly access reviews. A lender can pass a pen test and still fail an RBI inspection on IT outsourcing controls. In financial services the engineering and the paperwork are one job, and that is how we approach it.
We build cloud platforms with segmentation, encryption and change control as code. We run penetration tests that developers can act on, prepare you for ISO 27001 and SOC 2, and keep evidence current in a GRC platform. When the work needs it, we also build the data pipelines behind risk, fraud and reporting.
What keeps fintech engineering leads up at night
These are the conversations we have most often with finance teams.
“Our bank partner sent a 300-question due-diligence pack”
Partner banks and investors want policies, pen-test reports, BCP evidence and access reviews, and they want them now.
“PCI scope keeps creeping”
Card data, or scripts on the payment page, have spread into systems that were never meant to be in scope.
“We can’t show who changed what in production”
Manual console changes and shared admin accounts make change control impossible to evidence.
“A regulator inspection is coming”
RBI, SEBI or EU DORA expectations need mapping to concrete technical controls before the inspection date.
“Fraud and risk data arrives too late to act on”
Batch jobs and spreadsheets mean risk teams see yesterday’s picture.
“Our vendor list is a risk in itself”
Cloud, KYC, SMS and core-banking vendors all need due diligence, contracts and exit plans.
Financial-services solutions that leave an audit trail
Every solution is designed so the evidence is produced as a by-product of the work.
Audit-ready cloud landing zone
The challenge
Workloads are spread across accounts built by hand, with inconsistent encryption, wide admin access and no reliable record of changes.
Our approach
We rebuild the foundation as code: segmented accounts, a hardened network, KMS-backed encryption, SSO with MFA, break-glass access and pipeline-only production changes, all logged centrally and retained.
What you get
- Multi-account landing zone (Terraform)
- SSO, MFA and least-privilege roles
- Immutable, centralised audit logs
- DR design with tested recovery
PCI DSS 4.0.1 scope reduction
The challenge
Cardholder data, or scripts that can touch it, has leaked into logs, analytics and too many services, making every assessment bigger and costlier.
Our approach
We map data flows, cut scope with tokenisation and segmentation, and put controls in place for payment-page scripts (requirements 6.4.3 and 11.6.1) so your QSA or self-assessment has less to cover.
What you get
- Cardholder data-flow diagram
- Tokenisation and segmentation design
- Payment-page script inventory and monitoring
- Evidence pack for your QSA or SAQ
Penetration testing & secure SDLC
The challenge
Annual pen tests produce PDFs that developers ignore, while new APIs ship every sprint.
Our approach
We test web, mobile, API and cloud against OWASP guidance, give developers reproducible findings with fixes, retest, and add scanning to CI/CD so the next release does not reintroduce the bug.
What you get
- Web, API, mobile and cloud VAPT
- Developer-ready findings and retest
- SAST, dependency and secrets scanning in CI
- Report suitable for partners and auditors
Regulatory control mapping
The challenge
You have to show alignment with DORA, the RBI IT directions, SEBI CSCRF, ISO 27001 or SOC 2, often several at once.
Our approach
We map each requirement to the controls you already have, close the gaps with real engineering, and track ownership and evidence in our GRC Platform so you can answer the next request in hours, not weeks.
What you get
- Requirement-to-control matrix
- Gap remediation plan with owners
- Policies, risk register and evidence
- Audit and inspection support
Real-time risk & fraud data
The challenge
Transaction, device and behavioural data sits in separate systems and reaches risk teams hours late.
Our approach
We build streaming pipelines and a governed warehouse that bring events together in near real time, with access controls and lineage, ready for rules engines, dashboards or ML models.
What you get
- Event streaming pipeline
- Governed warehouse with lineage
- Risk and fraud dashboards
- Feature store for ML models
Regulations that shape fintech architecture
Different markets, the same theme: resilience, third-party risk and proof. Here is what we help you meet.
PCI DSS v4.0.1
The future-dated requirements became mandatory on 31 March 2025, including payment-page script management (6.4.3, 11.6.1), wider MFA and targeted risk analyses. We help reduce scope and build the controls.
DORA
The Digital Operational Resilience Act has applied since 17 January 2025: ICT risk management, incident reporting, resilience testing and third-party registers. If you sell to EU financial entities, expect DORA clauses in your contract.
RBI IT directions
The Master Directions on IT Outsourcing (2023) and on IT Governance, Risk, Controls and Assurance (2023) set expectations on vendor oversight, access control, DR and audit for regulated entities.
SEBI CSCRF
The Cybersecurity and Cyber Resilience Framework (2024) applies to SEBI-regulated entities, with graded controls for logging, SOC, VAPT and recovery.
NYDFS Part 500
The amended cybersecurity regulation phased in through November 2025, including universal MFA and asset inventories for covered entities.
SOC 2 & ISO 27001
Partner banks and enterprise buyers usually ask for one or both. We prepare you; the report or certificate comes from an independent auditor. Read our ISO 27001 checklist.
Status as of October 2026. Regulations change; we help you design, implement and evidence technical controls. Legal interpretation belongs with your counsel, and certifications or audit opinions are issued by independent bodies, not by us.
Platforms and standards we work with
- AWS
- Azure
- Google Cloud
- Terraform
- Kubernetes
- HashiCorp Vault
- KMS / HSM
- OWASP ASVS
- ISO 20022 messages
- UPI & payment-gateway APIs
- Kafka
- PostgreSQL
Security and compliance products we run
Used by our own teams and clients to keep controls, cloud posture and evidence visible all year, not just in audit season.
GRC Platform
Governance, Risk & Compliance, automated Risk register, policies, controls and evidence in one place, ready for ISO 27001, SOC 2 and regulator requests. Visit grc.radiatus.com
SemperWise
AI-first cybersecurity: VAPT, pentesting & compliance on SemperWise One™ Our group’s AI-first cybersecurity practice: VAPT, red teaming and continuous pentesting for financial platforms. Visit semperwise.com
CloudMonitor
See your entire cloud, clearly — multi-cloud cost, security & inventory Multi-cloud cost, inventory and CIS-style security scoring, so drift is caught before an auditor finds it. Visit cloud-monitor.radiatus.comA typical first engagement: compliance and cloud gap assessment
Three to five weeks, fixed scope. You come away knowing exactly where you stand against the framework your partner or regulator cares about.
Scope & framework
We agree which framework matters most (PCI DSS, SOC 2, ISO 27001, DORA, RBI or SEBI) and which systems are in scope.
Technical review
Cloud configuration, IAM, logging, CI/CD and data flows, reviewed read-only against the framework’s controls.
Targeted testing
An external and API penetration test of your most exposed surface, with findings developers can fix.
Gap report & roadmap
Every gap ranked by risk and effort, with owners and a realistic timeline to audit-readiness.
Guides and terms for fintech teams
Guides
Questions fintech teams ask us
No. We help you design, implement and evidence controls, and we perform penetration tests. Formal PCI DSS assessments are done by a Qualified Security Assessor, and audits that must use a CERT-In empanelled auditor are done by one. We prepare you for both and work alongside the assessor.
Yes. This is one of the most common reasons fintechs call us. We review the questionnaire, close real gaps, write or tighten policies and assemble the evidence: pen-test report, access reviews, DR test, vendor list and incident process.
DORA applies directly to EU financial entities, but they must pass many of its requirements to their ICT providers through contracts. If you sell software or services to EU banks, insurers or payment institutions, expect audit rights, incident-notification and exit-plan clauses. We help you meet them.
Yes. AWS, Azure and Google Cloud all run Indian regions, so production, backups, logs and DR can stay in-country, which matters for RBI payment-data storage expectations.
Yes, through our managed SOC and MDR service for clients on that service, with agreed response SLAs and log retention sized to your regulatory requirements.
Facing a due-diligence pack, an inspection or a PCI deadline?
Tell us which framework is on your desk. A senior engineer will tell you honestly how far you are from ready.