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Banking, fintech and insurance
Security that protects money, data and customer trust.
ThreatGaurd helps banks, lenders, fintechs, payment companies and insurers find and fix real risk across digital channels, APIs, payment systems and cloud, and prove it to the partners, auditors and boards they answer to.
Why it matters
Financial services is where attackers expect the biggest payoff.
Banks, insurers and fintechs hold money, identities and data that criminals can turn into cash quickly. Every new app, API and partner integration widens the attack surface, while customers expect services to be available around the clock.
Regulators, card schemes, banking partners and boards now expect more than good intentions. They expect regular testing, clear evidence and recovery plans that have actually been tested.
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Digital channels under constant attack
Account takeover, transaction abuse and API flaws target the services customers use every day.
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A growing web of third parties
Payment partners, aggregators, cloud providers and vendors all connect to critical systems and data.
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Resilience that must be proven
Testing, incident readiness and recovery are increasingly expected to be demonstrated, not assumed.
Where we test
Security across every layer of a financial service.
Attackers look for the weakest link between a customer’s tap and your core systems. We test each layer, and how the layers connect.
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Layer 01
Customer channels
Internet banking, mobile apps and customer portals.
- Login, OTP and session handling
- Transaction and business logic abuse
- Mobile app storage and tampering
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Layer 02
APIs and integrations
Open banking, partner and internal APIs that move money and data.
- Object and function level authorisation
- Excessive data exposure and rate limits
- Partner and aggregator integrations
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Layer 03
Payment systems
Card, gateway and payment messaging environments.
- Cardholder data environment segmentation
- Gateway and switch interfaces
- Payment messaging infrastructure controls
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Layer 04
Core systems and cloud
Core banking, policy and data platforms, on premises and in the cloud.
- Active Directory and privileged paths
- Cloud configuration and identity
- Server and database hardening
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Layer 05
People and third parties
Employees, privileged users and the vendors who connect to you.
- Privileged and remote access
- Vendor and partner access paths
- Joiner, mover and leaver controls
Who we work with
Different businesses, different risks.
Every part of financial services faces its own mix of threats and obligations. Choose yours to see where we usually focus.
Banks and lenders
Large customer bases, always-on digital channels and complex estates that mix legacy and cloud make banks and lenders a constant target for fraud, ransomware and data theft.
Security priorities
- Secure internet and mobile banking channels
- Segmented payment and core banking networks
- Strong privileged access across legacy and cloud
- Tested recovery for critical banking services
Fintech and payments
API-first products, fast release cycles and partner integrations mean new risk can ship with every sprint, while banking partners and card schemes expect proof of security.
Security priorities
- API and business logic security before each release
- PCI DSS scope reduction and segmentation
- Secure cloud and Kubernetes foundations
- Security evidence for partner and investor due diligence
Where we usually start
Insurance
Insurers hold sensitive personal, health and financial data across customer portals, agent and broker platforms, claims systems and partner networks.
Security priorities
- Protection of policyholder and health data
- Secure customer, agent and broker portals
- Controlled access for partners and vendors
- Privacy compliance across every market you serve
Wealth, broking and asset management
Trading platforms, client portals and market integrations must stay available and trustworthy, especially at market open and during volatile sessions.
Security priorities
- Resilient trading and client platforms
- Client accounts protected against takeover
- Secure order and market data integrations
- Clear cyber risk reporting for the board
Where we usually start
Regulations and frameworks
Mapped to the frameworks you answer to.
Requirements overlap depending on where you operate and what you do. We map our testing and readiness work to the ones that apply to you.
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Payments
Payment security
- PCI DSS v4.0.1
- Swift Customer Security Controls Framework
- Cardholder data environment segmentation
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Security and resilience
Security standards
- ISO/IEC 27001:2022 and SOC 2
- NIST Cybersecurity Framework 2.0
- EU Digital Operational Resilience Act (DORA)
- NYDFS Cybersecurity Regulation (23 NYCRR 500)
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Personal data
Privacy regulations
- India DPDP Act, 2023
- EU and UK GDPR
- US Gramm-Leach-Bliley Act (GLBA)
ThreatGaurd provides security testing, readiness and advisory services. Certifications, attestations and regulator-mandated audits are carried out by the bodies each regime authorises.
Why ThreatGaurd
Testing that respects how financial services run.
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Safe testing on critical systems
Testing windows planned around batch runs, month-end and peak periods, with agreed stop conditions.
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Evidence your stakeholders can use
Reports structured for auditors, banking partners and boards, with clear risk ratings and fixes.
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Fixes verified
We retest after remediation, so your final report reflects your real position.
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Strict data handling
NDA before access, minimal data collection, encrypted report delivery and data deleted after the engagement.
Agreed before testing starts
- Signed NDA and rules of engagement
- Named contacts and an escalation path
- Testing windows and stop conditions
- Test accounts and data, approved by you
Nothing is tested until scope, timing and contacts are confirmed in writing.
How we handle your dataFAQ
Questions financial services leaders ask us
Can’t find your answer? Our team is happy to help.
Can you test production banking and payment systems safely?
Yes, with care. We agree testing windows, rules of engagement and stop conditions in advance, avoid destructive techniques on production systems and recommend a production-like environment where the risk is high.
Do your reports help with PCI DSS and partner due diligence?
Yes. Our penetration and segmentation testing reports are structured to support PCI DSS evidence, banking partner reviews and customer security questionnaires. The final compliance decision rests with your assessor.
Are you an approved auditor for financial regulators?
Some regulations require audits by specifically approved or accredited firms. ThreatGaurd provides independent security testing, readiness and advisory services, and we tell you upfront if a requirement needs an approved auditor, so you can plan for it.
Can you help a fintech prepare for a bank partnership or funding round?
Yes. Fintechs often need to show strong security to banking partners, card schemes and investors. We help with API and application testing, cloud security reviews and ISO 27001 or SOC 2 readiness, so you have credible evidence to share.
Do you work with financial organisations outside India?
Yes. Each engagement is scoped to the regulations and frameworks that apply where you operate, whether that is India, the EU, the UK, the US or elsewhere.
How do we get started?
Start with a short scoping call. We learn about your organisation, systems and obligations, then recommend the right mix of services in a clear, fixed-scope proposal.
Get started
Talk to us about securing your financial services.
Tell us about your organisation, your systems and the obligations you need to meet. We will recommend the right mix of testing and readiness services, with no obligation.
What happens next
- A short scoping callWe learn your goals, environment and timelines.
- A fixed-scope proposalClear scope, approach, timeline and cost, in writing.
- Testing on your scheduleTesting starts on the agreed date, with regular updates.