About

We learned how consequential financial decisions actually happen. Then we built the system to run them.

The missing layer was not another model. It was the financial institution’s own meaning.

We are ex-McKinsey operators and builders who saw the same problem across financial work: the definitions, entity relationships, model assumptions, policy exceptions, precedent and authority behind important decisions lived in experienced people and working files—not in the systems meant to automate them. Penomic turns that hidden context into a licensed platform for daily financial work.

The Manhattan skyline over the East River
Financial institutions
The governed operating layer connecting institutional knowledge, live state, decisions and action.
Senior board advisors

Guided by people who have transformed institutions.

Former McKinsey partner Jared D. Yerian advises the Penomic board on financial methodology, AI adoption and the institutions we serve.

Jared D. Yerian
Senior Board Advisor

Jared D. Yerian

CFA, CIRA, CDBV

Former Partner, McKinsey & Company

Transformation and finance executive who has served as CFO, CRO and board advisor through complex financial and operational transformations, restructurings and M&A.

  • McKinseyPartner and co-founder of the global Recovery & Transformation Services practice
  • $400M+Revenue of the RTS practice he helped build, with 140+ professionals
  • 30+ yrsIn finance, transformation and restructuring, from bank treasury to the boardroom
  • CFO · CROC-level and board roles through transformations, Chapter 11 and M&A
Full profile LinkedIn
Latest Penomic ResearchThe institutional intelligence gapPenomic Research11 papers on AI in financial institutionsVideo15 videos and advisor perspectives
Why this exists

Financial institutions do not suffer from a lack of data.

They suffer from a gap between what their systems store and how the institution actually decides and acts.

A legal-entity relationship changes an exposure. A policy exception is understood by three people. A committee standard exists in precedent, a calculation in a workbook and an approval boundary in someone’s head. A data platform can organize the fields and an AI model can generate language, yet neither can run the institution’s decision without that operating context.

We built Penomic to make that context explicit, governed and executable. Human knowledge specialists, including ontologists, work with domain experts to understand how the institution defines, connects, computes, decides and handles exceptions. Knowledge Architect connects that meaning to live state, models, tools and authority. The licensed platform then resolves, simulates, builds and acts inside the approved boundary.

The ambition is larger than automating individual deliverables. The institution should be able to turn expert judgment into a living operating asset, govern it as it changes and use it across every approved model, application and agent harness, without surrendering ownership to the interface or vendor of the moment.

  • Knowledge Architect
  • Firm-Configured Platform
  • Governed Decisions
  • Managed Operations

The team

Where it started

The decision was always larger than the system

We came out of McKinsey, where the visible model, memo or executive deck was only the final expression of a much larger knowledge process: resolving definitions, connecting evidence, testing calculations, applying precedent and deciding which exception mattered.

Financial institutions face the same gap at greater scale. Data platforms know where information is stored. AI models can generate language. Neither automatically knows which institutional state matters, what the firm means, which logic and precedent apply, who may decide or what action is allowed.

Penomic exists to formalize and operate that missing layer: the firm’s meaning, relationships, state, models, evidence, rules, judgment and decision rights—available to every authorized person, system and agent while accountability remains with the institution.

What Penomic makes operational

  • 1The firm’s concepts, relationships, policies, precedent, exceptions and decision rights
  • 2Private and public sources resolved into the approved institutional state
  • 3Firm logic, calculations and scenarios that can be run and evaluated
  • 4Answers, models, decks, data rooms, workflows and governed human or agent actions
The team

A multidisciplinary problem requires a multidisciplinary company

Penomic sits at the intersection of financial-domain work, knowledge mapping and ontology engineering, enterprise software, agent systems, information design and institutional change.

Product & Engineering

Enterprise platform, integration, agent orchestration and secure financial-workflow infrastructure.

Ex-McKinsey · Enterprise SaaS

Design & UX

Interfaces that make complex knowledge, evidence and agent behavior understandable to enterprise users.

Ex-McKinsey · Design Systems

Knowledge & AI

Knowledge-map and ontology engineering, formal semantics, language systems, evaluation and applied AI research.

AI/ML · Applied Research

Client & Partner Delivery

Financial transformation, expert elicitation, enterprise adoption and partner-enabled delivery.

Yale · Harvard Law

Jennifer Kilian

Jennifer Kilian

Senior Board Advisor

Former Partner at McKinsey & Company and Co-Founder and CEO of Cognition Capital. A transformation executive working where AI, digital product and experience-led growth meet, advising CXOs and boards on what actually ships.

Connect on LinkedIn →
How institutions evaluate Penomic

Judge the platform on your own work, not on our claims.

Every engagement begins with a bounded first mission run on the institution’s own definitions, documents and decisions. Your team sets the test cases and the bar for success, and inspects how each answer was reached before anything moves into production.

01

Evaluate the knowledge

Inspect the firm definitions, source and owner mappings, accepted examples, and governance decisions configured for the first financial mission.

02

Evaluate the work

Run representative questions and workflows against golden answers, required source coverage, policy constraints and review criteria.

03

Evaluate the control

Inspect provenance, permissions, provider boundaries, change ownership, exception handling and the path from source knowledge to output.

Scope, data handling and success criteria are agreed in writing before the first mission begins.

Principles

The institution must be able to trust the meaning, not only the output

Meaning must be attributable.

A definition, rule or number without an owner and evidence cannot govern institutional work. Penomic preserves provenance from source knowledge through execution.

The institution controls its knowledge.

Source knowledge, definitions and decision authority remain under institutional control. Customer content never becomes another customer’s context or a training asset.

Human judgment should scale without disappearing.

Automation should make expert reasoning reusable, not hide it inside an opaque workflow. People remain accountable for definitions, exceptions and consequential decisions.

Open architecture is a strategic control.

Models, interfaces and agent frameworks will change. The institution’s meaning must survive those changes and remain available to the wider technology estate.

How we handle institutional knowledge

Customer knowledge serves the customer

Client-Owned Assets

Inputs, knowledge-map deliverables and generated work remain customer assets with explicit ownership and governance.

Protected Across the Lifecycle

Security covers source knowledge, the knowledge map, agent execution and outputs—not only uploaded files.

No Training on Customer Content

Customer conversations, files, knowledge-map assets and outputs are not used to train general-purpose models.

Lower Manhattan and the Brooklyn Bridge at dusk
A system of meaning
Institutional decision infrastructure that remains usable across people, platforms, models and agents.
Build the missing operating layer

Start with a decision your institution can explain—but its systems cannot run end to end

Choose one consequential financial mission. Capture its meaning, relationships, state, logic and authority. Prove the operating loop, then scale it across the institution.

Licensed Penomic Platform · Knowledge Architect · Governed Execution