- AWS Advanced Tier Services Partner
- Established 1999
Financial Software Development for Banking, Lending, and Insurance
We build, modernize, and automate software for banks, lenders, and financial services firms, working around the core, loan, and reporting systems you already run.
New software and AI
Modern API layer
- Core banking
- Loans
- Policy
- Claims
SYSTEMS YOU ALREADY RUN
Software for Financial Services & Insurance
JBS Dev builds, modernizes, and automates software for banks, lenders, and financial services firms. That includes integrations with core banking and loan systems, modernized applications, data platforms for risk and reporting, and AI that people review before acting on.
Banks, lenders, and insurers run on core banking, loan origination, policy administration, and claims processing systems, and each one carries years of business and regulatory rules. Senior engineers lead the work, in stages, around the systems you already run. The business and regulatory logic in your core systems stays in place, and you own everything we build.
Where most engagements start
Many engagements begin with a Quick Launch Lab assessment, free for qualifying organizations. We review your systems and workflows, then recommend where to start, including what to leave alone.
WHAT WE HEAR
The Problems Financial Services and Insurance Teams Bring Us
Financial services teams usually come to us with core systems that hold years of encoded business and regulatory logic, manual processes that never got automated, and customer data they can't put at risk. Financial software development has to improve those systems without throwing that logic away.
Manual work that never got automated
Staff move thousands of records by hand between banking and marketing systems every day, after years of automation attempts that never made it to production.
Core systems nobody wants to touch
Old systems hold years of encoded regulatory logic and operational safeguards, so rewriting them from scratch feels like throwing that knowledge away.
Risk data that arrives too late
Loan and portfolio decisions depend on data that arrives in batches, so risk teams work from yesterday's numbers instead of what is happening now.
APIs that attackers target
Customer-facing APIs carry sensitive financial data, and every new integration adds another point that attackers can probe and regulators will ask about.
OUR APPROACH
How We Work Around Your Core Systems
Core systems hold years of encoded business and regulatory logic, and rewriting them from scratch throws that away. We modernize in stages around the systems you already run, so daily operations continue while the work happens. Senior US-based engineers lead our builds, and nearshore support is an option for ongoing work.
Rewrite from scratch
- Encoded rules rebuilt from memory
- Every system switched at once
- Downtime at cutover
- No way back if it fails
Staged around your core systems
Senior engineers decide
Senior engineers and technical leaders lead every engagement and make architecture, integration, and security decisions directly.
Business rules surfaced first
We use AI coding tools to surface the business rules in the code, then review them with your team.
Old and new side by side
We connect to your core systems through APIs and data pipelines, and old and new run side by side until results match.
You own what we build
We don't sell licenses or platforms. You own everything we build.
WHAT WE BUILD
Software Development for Financial Services and Insurance
We build, modernize, and automate software for banks, lenders, and financial services firms, keeping the business and regulatory logic in your core systems while connecting them to modern tools.
Legacy Application Modernization
Updates aging applications in stages so they keep supporting the business, without a risky full rewrite.
Systems & Enterprise Integration
Connects separate systems through APIs and data pipelines so information moves without manual re-entry.
Custom Software Development
Builds software around an organization's own workflows, data, and rules when off-the-shelf products don't fit.
Data Warehouse & Data Platforms
Brings data from many systems into one trusted source for reporting, analytics, and AI.
AI & Business Process Automation
Uses AI to read documents, check them against rules, and route results, with people handling exceptions.
AI Agent Development
Builds AI agents that carry out multi-step work across systems, with people approving the actions that matter.
HOW IT WORKS
How a Financial Services Project Runs
STEP 1
Assessment
We review the problem, the systems involved, and the state of the data, then recommend where to start.
STEP 2
Rules surfaced
AI coding tools surface the business rules in the code, and we review them with your team.
STEP 3
Staged plan
We break the work into stages, and each one delivers a working improvement.
STEP 4
Side by side
Old and new run side by side until results match.
STEP 5
Support or handoff
Ongoing support, or a handoff to your team with knowledge transfer and documentation.
AI IN FINANCIAL SERVICES
AI in Financial Services: Where It Works Today
AI in financial services works best today on document-heavy, rules-based work: document intake and KYC, underwriting support, risk analytics, fraud signals, and regulatory reporting. AI in financial services also has to be explainable, because regulators and customers will ask why a decision was made. The projects that work keep a person reviewing the decisions that matter and keep an audit trail of what the AI did.
AI in insurance follows the same pattern: risk analytics across very large record sets, claim and eligibility file processing, and documents turned into first drafts that people finish.
01 · RISK ANALYTICS
Real-time loan risk analytics
Loan and portfolio data streams into analytics as it changes, instead of arriving in overnight batches. Risk teams see current exposure and act on it, while credit decisions stay with people who can review the data behind each alert.
Task
Track loan and portfolio risk as the data changes
AI
Analytics on loan and portfolio data streamed as it changes
Person reviews
People review the data behind each alert and make the credit decision
Outcome
Current exposure instead of overnight batches
02 · LEGACY RULES
Surfacing the rules in legacy code
Old core systems hold years of encoded regulatory logic. AI coding tools surface the business rules in the code, we review them with your team, and the old and new systems run side by side in stages until their results match.
Task
Find the business rules inside legacy code
AI
AI coding tools
Person reviews
Your team reviews the rules with ours
Outcome
Old and new systems run side by side until results match
03 · PROPOSALS
Drafting proposals from a knowledge base
AI for insurance and risk work often starts with documents. For a market leader in safety engineering and risk mitigation, a knowledge base and proposal assistant on Amazon Bedrock produces proposals that are 80 to 90% complete, so staff spend their time on customization and strategy.
Task
Draft proposals from internal manuals and guidelines
AI
Knowledge base and proposal assistant on Amazon Bedrock
Person reviews
Staff customize and finish each proposal
Outcome
80-90%
complete on the first draft
Intelligent automation in financial services
Intelligent automation in financial services starts with the manual work. For a regional bank, an automated pipeline now moves about 30,000 client records a day between banking and marketing systems, so staff no longer re-key them by hand after years of failed attempts.
Start with an AI readiness assessment
Not every process is ready for AI. An AI readiness assessment checks your data, systems, and compliance requirements, then identifies which use cases are worth building first, which need human review, and which to leave alone.
PROOF
Results for Financial Services
For a regional bank, JBS Dev automated a daily process handling about 30,000 client records, delivered in just under four months after years of failed attempts. For a consumer credit platform, JBS Dev strengthened AWS security to protect its APIs against attacks.
30,000
Records a day, with no manual work
Banking
Automating 30,000 Daily Records for a Regional Bank
Challenge: Staff moved about 30,000 records a day from FIS DataConnection to ActiveCampaign by hand, after two to three years of failed automation attempts.
Result: An AWS Lambda and Python pipeline now runs the transfer daily with no manual work, delivered in just under four months.
Read Case Study100M+
Records scored for loan risk
Lending
Real-Time Loan Risk Analytics for a Lending Analytics Company
Challenge: Users needed loan performance reports across the market and for each portfolio.
Result: A multi-tenant platform on AWS EMR, Glue, and Redshift processes more than 100 million records, and its machine learning engine scores each loan's risk.
Read Case StudyReal-time
Threat alerts in PagerDuty and Sumo Logic
Consumer credit
Website and API Security for Piñata
Challenge: Similar platforms were suffering DDoS and credential stuffing attacks that took down websites and APIs.
Result: AWS WAF, AWS Lambda, reCAPTCHA, and real-time alerts in PagerDuty and Sumo Logic make Piñata's apps much harder to disrupt.
Read Case Study"JBS feels more like an extension of our internal team than a traditional vendor relationship."
Senior IT Leader, AmeriVet Partners
SYSTEMS WE WORK WITH
Built Around the Systems You Already Run
We work around the core, loan, and marketing systems you already run, such as FIS DataConnection and ActiveCampaign, connecting them through APIs and data pipelines instead of replacing them.
Explore Systems & Enterprise IntegrationCONNECTED IN PLACE
FIS DataConnection
APIs and data pipelines
ActiveCampaign
AI ACCESS WITHOUT A REBUILD
Core and loan systems
Stay where they are
AI tools
Connect through Model Context Protocol
Customer data stays under your control
We build in your environment, and local models are an option when data can't leave your network.
Access limited to what each part needs
Access is limited to what each component needs. When we use Amazon Bedrock, your prompts and data are not used to train its models.
ENGAGEMENT MODELS
Ways to Work With Us
There are three ways to work with us: an assessment, a defined project, or ongoing teaming and managed delivery. Most engagements start with the assessment, so the plan is settled before anyone touches a core system.
Read more about the ways to work with us.
Assessment & Strategy
For companies that need clarity before committing to a build.
Start here if you're not sure what to change first. We review your systems and workflows, weigh difficulty against business impact, and recommend where to start, including what to leave alone. You get a roadmap you can act on with us or on your own. Many engagements begin with a Quick Launch Lab assessment, free for qualifying organizations.
- Technical assessment
- Architecture review
- AI opportunity mapping
- Modernization roadmap
- Prioritized recommendations
Best when: You need to understand the opportunity, risk, architecture, or roadmap before investing in a larger build.
Projects
For companies ready to build or modernize a defined system.
For a defined scope, senior engineers lead delivery from architecture through release. We work in stages around the systems you already run, write tests for core components, and ship through CI/CD so progress is visible early. You own everything we build, with knowledge transfer and documentation tailored to your team.
- Modernization projects
- Custom applications
- Cloud platforms
- Data systems
- Integrations
- AI agents
Best when: You have a clear business problem, workflow, or platform that needs to be built, modernized, or connected.
Teaming / Managed Delivery
For companies that need experienced delivery capacity.
When you need more than a single project, services we can provide include architectural guidance for your existing team, hands-on development, QA, and ongoing support for the systems we build or modernize. Senior US-based engineers lead our builds, and nearshore support is an option for ongoing work.
- Senior-led teams
- Embedded engineering
- Ongoing development
- Knowledge transfer
- Flexible support
Best when: You need reliable engineering capacity, technical leadership, or ongoing delivery support without adding unnecessary management overhead.
WHO YOU WORK WITH
Senior Engineers Who Know Financial Services
Engagements are led by senior engineers and technical leaders, and the people you meet in the first call do the work.
Joe Rose
President
An engineer by training, Joe has spent two decades building and leading software teams and has led JBS Dev since 2021. Before that, he ran project delivery across JBS engagements as Vice President of Delivery.
Read Joe's bio
Doug Parker
Senior VP of Sales & Marketing
Doug has spent more than two decades at JBS Dev, starting as a developer. As Senior Vice President of Delivery, he set the delivery standards used across JBS Dev engagements. He holds PMP, CSM, and PMI-ACP certifications.
Read Doug's bioWHY JBS DEV
How to Choose a Financial Services Software Partner
These five questions separate a partner who can work around your core systems from one who wants to start over.
- Who does the work?
- Senior engineers. Engagements are led by senior engineers and technical leaders who make architecture, integration, and security decisions directly, so the people you meet in the first call do the work.
- Do we have to replace our core systems?
- No. We connect to your core, loan, and marketing systems through APIs and data pipelines instead of replacing them. For a regional bank, a pipeline now moves about 30,000 client records a day from FIS DataConnection to ActiveCampaign.
- What happens to the rules in our old systems?
- They stay. We use AI coding tools to surface the business rules in the code, review them with your team, and modernize in stages so old and new run side by side until results match.
- How do you handle data privacy?
- Customer and financial data stays under your control. We build in your environment, access is limited to what each component needs, and local models are an option when data can't leave your network.
- Do you offer AI consulting for finance companies, or only builds?
- Both. An AI readiness assessment checks your data, systems, and compliance requirements, then identifies which use cases are worth building first. You get a roadmap you can act on with us or on your own.
JBS Dev is a senior-led software development company, founded in 1999, that builds, modernizes, and integrates the systems banks, lenders, and financial services firms already run.
FAQ
Financial Software Development FAQs
What does financial software development include?
Financial software development covers building, modernizing, and connecting the systems banks, lenders, and financial firms run on: core banking, loan origination, risk analytics, document intake, fraud detection, and regulatory reporting. We build, modernize, and automate this software while keeping the business and regulatory logic in your core systems.
How is AI used in financial services today?
AI is used most today for document intake and KYC, underwriting support, risk analytics, fraud detection, and regulatory reporting. The projects that work are explainable, keep a person reviewing the decisions that matter, and keep an audit trail, because regulators and customers will ask why a decision was made.
How do you protect customer and financial data?
We build in your environment, so customer and financial data stays under your control. When we use Amazon Bedrock, your prompts and data are not used to train its models, and local models are an option when data can't leave your network. Access is limited to what each component needs, and we have strengthened AWS security for a consumer credit platform's APIs.
Can you modernize our core systems without losing the business rules in them?
Yes. Old systems often hold years of encoded regulatory logic and operational safeguards, and rewriting them from scratch throws that away. We use AI coding tools to surface the business rules in the code, review them with your team, and modernize in stages so old and new run side by side until results match.
How does an engagement with JBS Dev start?
Most engagements start with an assessment. We review the problem you want solved and the systems involved, then recommend where to start, including what to leave alone. Many begin with a Quick Launch Lab assessment, free for qualifying organizations, with no obligation to continue. From there, work moves to a defined project or ongoing support.
How long does a typical financial services project take?
It depends on scope, and the assessment sets the timeline. Because we work in stages, the first improvement reaches production before the whole project is done. For a regional bank, a daily automation handling about 30,000 records went from kickoff to running in just under four months.
