Cardinal helps financial institutions quantify operational risk with decision-grade numbers. Most banks and insurers still rely on qualitative tools, heatmaps, ordinal scales, workshops, and narratives, to assess operational risk. These approaches are resource-intensive, subjective, and difficult to defend when used for capital, governance, or major investment decisions. Cardinal replaces qualitative judgments with ratio-scale measurement. Using structured pairwise comparisons, AI-assisted forecasting, and statistical modeling, Cardinal quantifies operational risks as probabilities and loss-severity curves. The result is a consistent, traceable, and auditable risk measure that can be aggregated, compared, and used directly in decision-making. Our outputs support the full operational-risk lifecycle, including: RCSA replacement and harmonisation Control effectiveness measurement Scenario analysis and ICAAP / ORSA justification Risk appetite setting and monitoring Outsourcing and third-party risk (DORA alignment) New product and change approvals Cardinal is delivered as a managed software service, designed to minimise client effort while maintaining full transparency, auditability, and regulatory defensibility. All results are accompanied by methodology documentation, diagnostics, and machine-readable exports. The outcome is not headcount reduction, but better allocation of time, controls, and capital, shifting operational risk management from subjective assessment to quantitative decision support. Cardinal is built for banks, insurers, and regulated financial institutions that need to move beyond heatmaps and toward measurable, defensible risk decisions.

Cardinal helps financial institutions quantify operational risk with decision-grade numbers. Most banks and insurers still rely on qualitative tools, heatmaps, ordinal scales, workshops, and narratives, to assess operational risk. These approaches are resource-intensive, subjective, and difficult to defend when used for capital, governance, or major investment decisions. Cardinal replaces qualitative judgments with ratio-scale measurement. Using structured pairwise comparisons, AI-assisted forecasting, and statistical modeling, Cardinal quantifies operational risks as probabilities and loss-severity curves. The result is a consistent, traceable, and auditable risk measure that can be aggregated, compared, and used directly in decision-making. Our outputs support the full operational-risk lifecycle, including: RCSA replacement and harmonisation Control effectiveness measurement Scenario analysis and ICAAP / ORSA justification Risk appetite setting and monitoring Outsourcing and third-party risk (DORA alignment) New product and change approvals Cardinal is delivered as a managed software service, designed to minimise client effort while maintaining full transparency, auditability, and regulatory defensibility. All results are accompanied by methodology documentation, diagnostics, and machine-readable exports. The outcome is not headcount reduction, but better allocation of time, controls, and capital, shifting operational risk management from subjective assessment to quantitative decision support. Cardinal is built for banks, insurers, and regulated financial institutions that need to move beyond heatmaps and toward measurable, defensible risk decisions.