PCI-DSS Compliant Fintech Communication Solutions by CelloIP
CelloIP builds PCI-DSS compliant fintech communication systems including trading floor squawk boxes with sub-50ms latency, fraud detection calling, voice biometric authentication, customer verification IVR, and MiFID II/Dodd-Frank regulatory recording for banks, financial services, and fintech companies.
What is PCI-DSS scope reduction for call centres?
Scope reduction pauses call recording automatically when DTMF card entry is detected, ensuring cardholder data never touches recorded channels and dramatically reducing PCI audit scope.
What latency do trading floor squawk boxes require?
Modern trading floors require sub-100ms latency, ideally sub-50ms. CelloIP achieves this via OPUS codec, direct UDP streaming, and geographically distributed edge servers.
Fintech Communication
Built for Compliance & Speed
Trading floor squawk boxes, PCI-DSS call centres, voice biometric authentication, and regulatory-grade recording — purpose-built for banks, brokers, and payment processors operating under the strictest financial regulations.
Technology Stack
Regulatory Compliance Built In
Every major financial regulation handled from day one
- Pause/resume on DTMF entry
- Cardholder data scope isolation
- Zone-based recording control
- Automated audit trail
- SAQ-D scope reduction
- Immutable trade call recording
- Cryptographic timestamps
- 7-year retention policy
- Metadata tagging per trade
- Post-trade supervision ready
- Mandatory swap recording
- Retention & retrieval
- Tamper-evident storage
- Regulator access portal
- Cross-border call coverage
- FCA COBS 11.8 compliance
- RBI guidelines (India)
- GDPR for EU customers
- Cross-jurisdictional rules
- Annual compliance reporting
Fintech Communication Solutions
Enterprise-grade voice and trading systems for financial institutions
Trading Floor Squawk Box
One-click multicast voice distribution with sub-50ms latency. Built for brokers, dealing desks, and market-maker firms. OPUS codec, direct UDP streaming, edge-distributed.
PCI-DSS Call Centre
Auto pause/resume recording on DTMF card entry. Zone isolation ensures cardholder data never enters recorded channels. Dramatically reduces PCI audit scope.
Voice Biometric Auth
Caller identity verification via voice patterns — pitch, cadence, phonetics. AI fraud scoring triggers additional verification for high-risk transactions without friction.
IVR with PIN / OTP
Two-factor authentication IVR for account verification. Secure DTMF PIN entry, SMS/voice OTP delivery, and step-up auth before sensitive financial transactions.
Fraud Alert Calling
Automated outbound calling for suspicious transactions. Real-time fraud notifications, customer verification callbacks with natural language AI, and auto-block workflows.
Regulatory Recording
MiFID II, Dodd-Frank, and FCA compliant archiving. Cryptographically signed recordings, immutable timestamps, metadata tagging, and regulator-ready retrieval portal.
Real-Time Risk Monitoring
Live call analytics for compliance officers. Keyword spotting, sentiment analysis, escalation alerts, and automated flagging of regulated conversation patterns.
Trade Surveillance
Communication surveillance for insider trading detection. Cross-channel correlation of voice, chat, and email against trading activity for regulatory compliance.
Complete Platform Features
Every capability required for compliant financial communications
Built for Every Financial Institution
Purpose-built for the unique communications needs of financial services
Investment Banks & Brokers
- Sub-50ms squawk box for dealing desks
- MiFID II / Dodd-Frank compliant recording
- Trade surveillance & communication correlation
- Encrypted inter-desk communication channels
- Regulator-ready retrieval within 72 hours
Banks & Payment Processors
- PCI-DSS scope reduction for card payments
- IVR with PIN/OTP for account verification
- Voice biometric caller authentication
- Automated fraud alert outbound calling
- Real-time transaction risk monitoring
Fintech & Neobanks
- Cloud-native compliant voice infrastructure
- API-first integration with core banking
- Customer notification & verification flows
- AI-powered fraud detection calling
- Multi-country regulatory compliance
Implementation Process
Compliance-first delivery for regulated financial environments
Compliance & Risk Scoping
Regulatory requirement mapping (PCI-DSS, MiFID II, Dodd-Frank), PCI scope analysis, data flow diagram, recording zones design, and threat model.
Secure Infrastructure Setup
TLS/SRTP configuration, AES-256 encryption, network segmentation, DTMF detection engine, PCI-DSS zone isolation, and audit logging pipeline.
Trading Communications
Squawk box platform, OPUS/UDP multicast tuning, geo-distributed edge deployment, latency optimisation, and Bloomberg terminal integration testing.
Fraud & Auth Systems
Voice biometric enrolment, AI fraud scoring model, IVR PIN/OTP flows, outbound fraud alert calling, and step-up authentication workflows.
Recording & Surveillance
MiFID II/Dodd-Frank archiving, cryptographic signing, retention policy automation, keyword spotting, trade surveillance correlation engine.
Compliance Audit & Go-Live
PCI-DSS QSA walkthrough, penetration testing, regulator retrieval test, staff provisioning, compliance documentation, and phased production rollout.
Why CelloIP for Fintech Communication?
Financial institutions operate at the intersection of microsecond precision and strict regulation. Traditional enterprise VoIP vendors cannot meet sub-50ms trading latency requirements. Commercial compliance platforms charge per-seat fees that scale to millions annually. CelloIP builds communication infrastructure purpose-designed for financial services — own your infrastructure, meet every regulatory requirement, and never pay per-seat licensing.
Frequently Asked Questions
What is PCI-DSS scope reduction for call centres?
Scope reduction isolates cardholder data (card numbers, CVV, expiry) from recorded call channels. Our system detects DTMF payment entry and automatically pauses call recording during that window, then resumes after the transaction completes. This means cardholder data never enters recorded channels, dramatically reducing your PCI-DSS audit scope from SAQ-D to a much smaller footprint.
How do you achieve sub-50ms latency for trading floors?
Trading floor latency is achieved through three optimisations: OPUS codec with minimal framing delay, direct UDP streaming bypassing TCP overhead, and geographically distributed edge media servers placed close to dealing desks. We test latency under real trading load conditions — not just idle benchmarks — and have validated under 50ms on Bloomberg terminal setups.
How do you handle MiFID II and Dodd-Frank call recording?
We implement immutable recording with cryptographically signed timestamps — every recording has a verifiable hash chain proving it hasn't been tampered with. Metadata tags attach trade identifiers, desk codes, and counterparty references. 7-year retention is automated with policy-based archiving. The regulator retrieval portal provides authorized access to specific call segments within the required 72-hour window.
How does voice biometric authentication work?
Voice biometrics analyses caller speech patterns — pitch, cadence, formants, and phonetics — to build a voiceprint during enrolment. On subsequent calls, the live voice is matched against the stored voiceprint in real-time. Our AI fraud scoring layer cross-references the match confidence with transaction risk signals (amount, geography, time) to trigger step-up authentication only when genuinely needed, minimising customer friction.
Can you build automated fraud alert calling with AI?
Yes. When your fraud detection system flags a suspicious transaction, our platform triggers an automated outbound call to the customer. A natural language AI conducts the verification dialogue — confirming or denying the transaction, collecting additional verification, and updating your fraud system in real-time via webhook. The entire call is recorded and logged for compliance.
Do you support multi-jurisdiction compliance simultaneously?
Yes. A single platform can enforce PCI-DSS for payment calls, MiFID II for EU trade recordings, Dodd-Frank for US swap desk calls, and FCA rules for UK operations — all simultaneously on the same infrastructure. Call routing rules determine which compliance regime applies based on call type, destination country, desk code, and customer segment.
Build Your Fintech Communication Layer
Trading platforms, PCI-DSS call centres, and fraud systems — built to meet every regulatory requirement and latency expectation your financial institution demands.