Move value
Transfers, payments, refunds, benefits, limits, and approvals.
We protect the systems that move the money
From core banking to fintechs, risk is measured in business impact: moving value, accessing data, bypassing controls, or disrupting operations.
Sector Focus
Why financial services need specialized security
Banks and fintechs sit at the intersection of regulatory pressure, sophisticated adversaries, and 24/7 availability demands. A breach is measured in regulatory fines, customer churn, and systemic risk — not just downtime.
80%
Sector Focus
Focused on Financial Services
Over 80% of Berghem's historical work has been dedicated to financial services, giving us unmatched depth in payment security, banking infrastructure, and fintech protection.
Specialized Services
What we do for the financial sector
Payments Analysis
Comprehensive analysis of payment processing systems including tokenization, encryption, and transaction flow security.
EMV Testing
Security assessment of EMV chip implementations, contactless payment systems, and card-present transaction security.
POS Security
Point-of-sale terminal security testing, firmware analysis, and physical security assessment of payment devices.
ATM Security
ATM hardware and software security testing, jackpotting prevention, skimmer detection, and network security assessment.
Anti-Fraud Systems
Assessment and testing of fraud detection systems, transaction monitoring rules, and behavioral analytics platforms.
Electronic Voting Audit
Security audit of electronic voting systems, ballot processing, result tabulation, and end-to-end verifiability.
Sector Reality
$10.5T
projected annual cybercrime cost by 2025
$5.9M
average cost of a financial services breach
238
median days to identify a financial breach
74%
of attacks target finance, healthcare, or critical infrastructure
Main Threats
Why financial services need specialized security
Payment fraud and card skimming
EMV bypass, ATM jackpotting, POS malware, magnetic stripe cloning.
Open Finance and API attacks
Token theft, scope abuse, BOLA/IDOR in PIX and Open Finance APIs.
Anti-fraud bypass
Behavioral analysis evasion, mule networks, synthetic identities.
Insider threats
Privileged access abuse, deliberate data exfiltration.
Ransomware and extortion
Double extortion targeting trading and treasury operations.
Third-party and vendor risk
Compromise via SWIFT integrations, KYC providers, CIs.
Compliance & Frameworks
Standard requires penetration testing or a security assessment
MISSIONS
Risk is measured in business impact
In financial services, a single exposure can combine technology, business rules, process, identity, and regulatory pressure.
Access data
Another customer's information, regulated data, statements, and documents.
Bypass controls
Segregation of duties, anti-fraud, authentication, and reconciliation.
Disrupt operations
Critical processes, channels, treasury, settlement, and customer service.
AGENTIC EHT
Web → API → Web: one journey, multiple surfaces
The agent can observe the interface, form a hypothesis, test an in-scope API, and confirm the impact on the journey.
Sample missionBG · FIN
- Objective
- Validate improper access to financial information.
- Identities
- Customer A and Customer B.
- Routes
- Web→API→Web
- Boundaries
- Synthetic data and no irreversible operations.
Why it matters03 · POINTS
States and permissions change along the journey.
Sensitive flows can exist even without a traditional vulnerability.
Evidence must be understandable to both Security and Business.
CONTEXT
Controls and standards come in as context, not as an isolated checklist
PCI, Open Finance, Banco Central requirements, LGPD, and internal controls help define boundaries, evidence, and priorities.
Controls
Authentication, authorization, anti-fraud, segregation, monitoring, and response.
Processes
Approval, reconciliation, exceptions, customer service, and account recovery.
Evidence
Impact, reproduction, action trail, recommendation, and retest.