Finance & Banking — M&A Practice

Mergers & Acquisitions.

Risk-led diligence, integration, and restructuring for banks, broker-dealers, and fintechs.

Most banking M&A decks confuse synergy math with execution risk. We separate the two. Our M&A practice runs the unglamorous middle of a deal — the integration management office that has to actually merge two risk functions, two core platforms, two vendor stacks, and two compliance regimes without breaking the business. We've done it. We do it again.

Pre-Deal

Diligence

Risk-led operational and tech diligence — the issues that surface after close are the issues we look for before signing.

Capabilities

  • Operational diligence on risk, ops, treasury, and tech
  • Synergy assessment and cost-to-achieve modeling
  • Cyber and TPRM due diligence on target's vendor stack
  • Reg & compliance state assessment (CRA, BSA/AML, fair lending)
  • Core platform compatibility and integration cost estimation
  • Day-1 readiness gap assessment

Sample deliverables

  • Diligence report with risk-ranked findings
  • Integration cost and synergy model (operational, tech, vendor)
  • Day-1 readiness checklist with named owners
  • Reg & compliance risk register
  • Carve-out scope and TSA negotiating points

Talk to us about Diligence →

Integration

Integration

Day-1 through Day-365. We've integrated banks, broker-dealers, and fintechs — the playbook is real.

Capabilities

  • Day-1 readiness and IMO (Integration Management Office) setup
  • Customer migration, brand migration, and product harmonization
  • Risk and compliance harmonization (policies, limits, thresholds)
  • Core platform integration / decommissioning plan
  • People & culture integration (the part most decks skip)
  • TSA exit planning and milestones

Sample deliverables

  • IMO charter, workstream playbooks, and Day-1 plan
  • Customer and product migration plan with cutover windows
  • Risk & compliance harmonization decisions log
  • Technology integration roadmap with phased decommissioning
  • TSA exit milestones and reverse-migration plan

Talk to us about Integration →

Restructuring

Restructuring & Divestiture

Carve-outs, divestitures, and post-incident restructuring — designed by people who have lived through them.

Capabilities

  • Carve-out scope definition and standalone cost view
  • Divestiture readiness and TSA design
  • Post-incident or post-consent-order restructuring
  • Business / product line wind-down planning
  • Run-off portfolio risk and capital implications
  • Employee retention and key-talent risk mitigation

Sample deliverables

  • Carve-out scope memo and standalone cost view
  • TSA framework and exit milestones
  • Wind-down operating plan and capital release schedule
  • Run-off portfolio risk profile
  • Retention and key-talent risk playbook

Talk to us about Restructuring & Divestiture →

Where to go next

ERM & Risk Practice

The risk surface area an M&A integration has to absorb.

Program Management

Integration is a program. We run the program too.

Case studies

How we've done this for prior clients.

Ready to talk?

A practitioner takes the first call — not an SDR, not a chatbot. 60 minutes, no obligation.

Request a call team@officebeatllc.com