n‑Tier is a financial-technology company that provides a configurable, zero-code data-management and regulatory-reporting platform to help financial firms monitor, validate, and remediate data accuracy and completeness across critical business processes. Pulse 2.0 interviewed n‑Tier founder and CEO Peter Gargone to gain a deeper understanding of the company.
Peter Gargone’s Background
Could you tell me more about your background? Gargone said:
“My career includes over 30 years of experience within the financial services and capital markets sectors. Before founding n-Tier, I worked in senior technology roles at major investment banks, where I saw firsthand how data accuracy remained one of the most persistent and costly challenges facing the industry.”
“That experience drove me to launch n-Tier, with a vision to help financial institutions manage their data more intelligently, improving functionality, uptime and scalability. Our goal from day one has been to deliver scalable, automated solutions that help firms ensure the accuracy and completeness of their data across complex infrastructures. Since our launch over two decades ago, n-Tier has empowered businesses with the means to ensure the accuracy and completeness of their critical business data.”
Formation Of The Company
How did the idea for the company come together? Gargone shared:
“n-Tier was first conceptualized after I identified critical data management and reporting gaps from working with institutions that were relying on dozens of disparate systems. With each system having unique data standards and processes, it was incredibly difficult to ensure accuracy or consistency across teams. These inefficiencies weren’t just operational headaches – they posed significant risks to essential processes (financial, regulatory or otherwise) that require accurate data.”
“I saw an opportunity to create a platform that could unify these workflows and offer a single source of truth, while also empowering clients with the automation and transparency needed to reduce compliance burden and operational complexity. My mission from then on was to deliver configurable, scalable solutions designed for the complexities of data governance in modern architecture. Today, this has become an integral foundation of firms’ infrastructure, where maintaining data accuracy is a critical function.”
Favorite Memory
What has been your favorite memory working for the company so far? Gargone reflected:
“Seeing the increased adoption of our platform by major financial institutions has been incredibly rewarding. Equally meaningful has been the rapid growth of our team since n-Tier’s founding. We’re fortunate to have an exceptionally talented group focused on servicing some of the most complex data challenges in finance, and we’re continuing to expand with new team members across the US and UK.”
Core Products
What are the company’s core products and features? Gargone explained:
“n-Tier’s approach to data management and regulatory reporting sets it apart from other RegTech providers; we believe in the fundamental premise that high-quality, well-governed data is the cornerstone of effective compliance and operational excellence. Our platform stands out for its flexibility and configurability, enabling firms to customize it to their specific infrastructure and regulatory workflows for seamless integration with existing systems. This structure centralizes client reporting and data governance processes through a single solution, making it easier to resolve data accuracy and completeness issues efficiently.”
“n-Tier accommodates complex data governance needs, providing solutions unique to each firm. Delivered based on preferences and requirements, n-Tier offers flexibility for hosted or local infrastructure installations. With robust security, n-Tier covers comprehensive access and level controls for data and functionality, while providing quick time to market for optimized integration and streamlined security workflows.”
“n-Tier’s Compliance Workbench enables firms to manage and monitor their regulatory reporting across a broad range of regulations (including 605/606, SLATE, CAT, CAIS, LOPR, EBS and others). The platform provides a flexible infrastructure for report creation/submission and exception management, ensuring that firms can adapt to evolving regulatory mandates while minimizing operational risk. It also streamlines internal and regulatory reviews by improving workflow efficiency, allowing firms to meet reporting obligations more quickly and accurately.”
“In addition, n-Tier’s Regulatory Intelligence offering uses a unique suite of proprietary technology to analyze and detect regulatory changes and incomplete reporting. This includes compliance issues ranging from missing reports and data elements to deviations from historical and business workflow norms, and a variety of other noteworthy alerts.”
Challenges Faced
Have you faced any challenges in your sector of work recently? Gargone acknowledged:
“A major challenge across the industry has been keeping pace with increasingly complex regulatory requirements. We’ve addressed this by continuing to place an emphasis on configurability and interoperability, ensuring our platform can be quickly adapted to meet new mandates and integrated within existing environments without requiring a system overhaul.”
“Firms are also facing data governance challenges as regulators grow increasingly stringent with their compliance and data management reviews. n-Tier’s data governance solution protects and oversees sensitive client data through state-of-the-art layered access approaches for security and risk mitigation. Through a combination of data security and layered encryption protocols, n-Tier’s cutting-edge technology protects sensitive client data while providing full visibility and searchability in one central location.”
Evolution Of The Company’s Technology
How has the company’s technology evolved since launch? Gargone noted:
“Since its launch in the early 2000s, n-Tier has continually advanced its technology to meet the evolving needs of financial firms. Most recently, the company completed a comprehensive redesign of its core platform, effectively reducing data storage costs by 95% and enhancing overall system performance.”
“These data processing enhancements are essential for managing the vast volumes required to perform complex validations, often resulting in billions of daily validation records per client, and ensuring the completeness and accuracy of reporting in today’s intricate regulatory environment. n-Tier is continuing to advance its platform and is actively exploring the integration of intelligence and AI technologies to further enhance automation and operational efficiency.”
Significant Milestones
What have been some of the company’s most significant milestones? Gargone cited:
“n-Tier has consistently been recognized by leading industry publications and award programs for its innovation in data governance, regulatory reporting, and trade surveillance. These accolades underscore the firm’s continued commitment to delivering best-in-class solutions that help financial institutions navigate evolving regulatory demands.”
“Some recent industry recognitions include:
— RegTech Insight Awards USA – Best Solution for Sell-Side Regulatory Compliance
— Chartis – Best of Breed in Trade Surveillance
— RegTech Insight Awards USA – Best Reporting Solution for CAT
Another key milestone was reaching scale by surpassing our 100th client implementation. This achievement reinforced our mission to solve complex data and compliance challenges across the financial services sector with innovative technology.”
Differentiation From The Competition
What differentiates the company from its competition? Gargone affirmed:
“n-Tier stands out through our uniquely configurable platform. Unlike rigid solutions, n-Tier offers a zero-code environment that empowers business users and analysts to configure datasets and data management workflows without the need for extensive IT involvement.”
“Our flexibility ensures that firms can adapt swiftly to evolving regulatory requirements and internal process changes. In addition, our deep understanding of the regulatory landscape also addresses the institutional need for support of complex compliance requirements.”
Future Company Goals
What are some of the company’s future goals? Gargone emphasized:
“We’re growing globally and advancing our platform further to align with the latest regulatory developments. To support this, we’ve made strategic hires in the US and UK across core areas: Operations, Technology, Implementation, and Client Service.”
Additional Thoughts
Any other topics you would like to discuss? Gargone concluded:
Our success is driven by our people. We’ve built a team that pairs deep regulatory expertise with technical excellence and a strong commitment to client partnership, delivering exceptional support and results. As we move forward, we remain focused on empowering firms to navigate evolving regulatory demands with greater resilience, confidence, and agility.
