Business Transformation

Core Competencies

TBAS has created our proven transformation methodology to guide organizations successfully through change. We’ve implemented this methodology with great success at financial services organizations with many different operating models, infrastructures, staff skill sets, and business challenges and opportunities.

  • Strategic alignment facilitation
  • Goal and objective setting
  • Business case development
  • Transformation standards and governance
  • Information and communications deployment and management


“TurtleBay Advisory Services’ advisors have an incredible understanding of how operations and technology can support and enhance business transformation efforts. The team is highly skilled at both strategy and implementation.”

Enterprise Risk Management

TurtleBay Advisory Services (TBAS) specializes in Business and Technology transformation. All our experts have in excess of 20 years of experience in financial service institutions. We can offer your organization a structured risk-based approach to manage your business that will reduce uncertainties by bringing transparency and accountability. Our delivery of this comprehensive process is enhanced by our proprietary ERM tool, which is a central repository for policies & procedures that promotes continuous improvement. This tool has been designed to significantly improve and simplify our client’s Governance, Risk and Compliance internal or regulatory requirements, by creating a workflow that integrates these policies with processes, controls, limits, reporting, and remediation plans.


Our current clients, who are mainly small to mid-tier institutions, have significantly improved operational costs, provided employees more time for value-added tasks, and enhanced compliance. Implementation is quick, low risk, and extremely cost effective in contrast to our competitors.

Additional Services

In line with our Cybersecurity capabilities, TBAS has discovered a patented process known as Keystroke Transport Layer Security or “KTLS”. TBAS represents, ACS, the patent holders of this keyboard encryption technology. Service providers can enhance their offering by being able to provide this additional layer of security to protect their client’s confidential information. The primary goal of the patented KTLS protocol is to provide strong cryptography at the time of keystroke entry to protect the initial transmission of usernames and passwords (as required by HIPPA, PCI 8.2.1 and 8.2.1a and Homeland Security’s Critical Infrastructure Protection Guidelines (“CIP”) and subsequent keystrokes entered into any program or application. TBAS can provide access to Endpointlock, which is the commercial product name by which KTLS protocol is implemented within an enterprise. In addition to anti-keylogging, EndpointLock will prevent screen-scraping malware from taking screenshots while you are in any application and warns you of clickjacking attacks. The EndpointLock anti-subversion feature detects untrusted drivers and kernel-level compromises and displays a warning containing the location of any suspect driver. We are also security partners with McAfee/Intel and have been fully tested, with integration into McAfee (ePO).

IT Transformation

Core Competencies

TBAS Subject Matter Experts have decades of practical and relevant experience in the operations, technology, and accounting space. Our work since 2011 has been facilitating large sophisticated organizations in their goals to reduce costs, improve profitability, and align governance, risk, and compliance initiatives with the overall strategic vision of their organization.

Tech Expertise:

  • Artificial Intelligence
  • Open API
  • BIG Data & Analytics
  • Cloud & Containerization
  • Distributed Ledger
  • Biometrics & Authentication
  • Business Process Automation
  • Robotic Process Automation
  • Big Data & Analytics needs space before Analytics

Advantages of our Services:

  • No disruption
  • Allow you to focus on executing ‘go to market’ and growth strategies while we execute the technology build
  • Improve efficiency, reliability, performance, scalability, and maintainability
  • Move from proprietary technologies to open standards
  • Adopt SOA and microservices
  • Improve customer engagement
  • Embrace mobility and the cloud
  • Use new capabilities (e.g. artificial intelligence, data analytics, distributed ledger, open APIs

Past Clients

  • State Street
  • BNY Mellon
  • Federal Home Loan Banks
  • Sun Life Financial
  • Federal Farm Credit Bureau
  • Delaware Life
  • HSBC


  • Fault Tolerant
  • Scalable
  • SOA & Microservices
  • Secure
  • High Performance

Business Problems

  • Complexity of new connected system IOT
  • Issues with Data Integration & Management
  • Complexity of AI/Automation applications
  • Reduced efficiency
  • Struggle with improving the Customer Experience

Past Performance

  • Bloomberg
  • Calypso
  • eFront
  • Fidessa
  • Linedata
  • Misys: LoanIQ
  • Misys: Midas
  • Misys: Summit
  • Murex
  • Principia
  • Tradeweb
  • Proprietary Applications


In 2014 the US National Institute of Standards and Technology (NIST) released a Cybersecurity Framework for all sectors. This comprehensive set of cybersecurity activities allows companies from different sectors to identify specific regulations, requirements, and objectives and to evaluate the maturity level of the cybersecurity program of an institution.

At TBAS, we have leveraged these standards and our very sound knowledge and experience of financial institutions’ business, operations, risk management, and regulations to create a Cybersecurity Assessment Tool that can be used to determine the maturity level of the cybersecurity program of institutions in every sector, with special focus in financial and more importantly, to create a road map of activities and remediation plans to acquire a maturity level that matches the risk appetite of the institution.

Our Core Competencies include:

  • Integrating Cybersecurity into your Business Strategy
  • Creating a Corporate Culture of Cybersecurity
  • Risk Evaluation/Vulnerability Testing
  • Detection
  • Data protection-Privacy/Compliance
  • Policy and Procedure Implementation
  • Developing Robust Remediation/Contingency Plans