Plano & Frisco, Texas
100 Corporate Relocations Since 2018.
Every One Brought Legacy Code That Needs to Be Fixed.
DFW is #1 in the U.S. for corporate headquarters relocations, three years running. JPMorgan Chase (11,200 employees in Plano). Toyota (5,000). Capital One (5,600+). AT&T is building a 54-acre global headquarters campus in Plano’s Legacy District. TIAA, SoFi, Deloitte, and Toyota Financial Services are expanding in Frisco. 800,000+ corporate and financial services workers across DFW. We’re the onshore engineering team that keeps the code behind it documented and audit-ready.
Vibe Coding Just Shipped to a System That Relocated From California
AI-generated code ships fast and looks clean. Until the auditor or your compliance team finds the gap. When a Fortune 500 company moves 5,000 employees to a new campus and brings its entire tech stack along, the integration points and legacy dependencies that nobody documented are where vibe-coded shortcuts become breach vectors.
Your Offshore Team Has Access to Financial Data for 11,200 Employees
GLBA, and PCI-DSS don’t care where your contractor sits. When JPMorgan Chase, Capital One, and TIAA are all operating major regional campuses within miles of each other, the contractors serving this corridor handle banking data, credit card records, and retirement account information. Offshore exposure multiplies per client.
Your Platform Was Built for the Company’s Old Headquarters
Every relocation creates new infrastructure requirements. New cloud regions, new network configurations, new integrations with Texas-specific vendors and partners. The platform that worked in San Francisco, Hartford, or New York was never designed for this operational context. The gaps are already there.
The Risks Nobody Talks About Until It’s Too Late
01
Vibe Coding Is a Compliance Gap in Disguise
Your dev team is using AI to ship faster. That’s fine. Until it isn’t. AI-generated code doesn’t get reviewed the way human-written code does. It introduces logic errors, insecure dependencies, and auth gaps that slip through because nobody fully understands what was generated. In a corridor where JPMorgan Chase, Capital One, Toyota Financial Services, and TIAA all operate major campuses, the financial data flowing through these systems touches millions of consumer accounts. One unchecked endpoint isn’t just a bug. It’s a regulatory notification, a customer trust event, and a headline your competitors will use against you.
02
Offshore Isn’t Cheaper When Financial Data Leaves the Country
The hourly rate looks great. Then you add: timezone delays, miscommunication overhead, rework cycles, and the realization that customer banking data, credit card records, retirement account information, and auto lending portfolios left the country. GLBA requires safeguarding customer financial information. independent security attestation requires controlled environments. PCI-DSS requires documented security. One overseas exposure and your cost savings become a multi-regulator event affecting the millions of customers these Plano and Frisco campuses serve.
03
Relocations Create Compliance Gaps Nobody Planned For
Every corporate relocation brings legacy systems from wherever the company came from. Those systems were built for different infrastructure, different compliance requirements, different vendor ecosystems. The integration points between the old stack and the new Texas operational context are where gaps hide. Toyota moved from Torrance. AT&T is moving from downtown Dallas. TIAA is expanding from New York. Every move creates new seams where data crosses system boundaries in ways the original architects never designed for.
04
The Campus Boom Is Outpacing Compliance Investment
Frisco alone attracted 14 corporate relocations and expansions in fiscal 2025, creating 3,100+ jobs. Plano’s Legacy District is adding AT&T’s 54-acre global headquarters campus. 10 master-planned mixed-use developments in Frisco are projected to add 10 million square feet of office space over 15 years. The pace of growth is extraordinary. But the compliance infrastructure serving these companies often lags behind the expansion. The companies we talk to are almost always surprised to learn how many gaps opened during the move.
05
Cyber Insurers Are Auditing Financial Services Code
The days of filling out a form and getting a policy are over. Underwriters are asking technical questions calibrated to banking, fintech, and enterprise operations. Do you have MFA everywhere? How is your code reviewed? What’s your incident response plan? If vibe-coded features are processing banking transactions, retirement account data, or auto lending records with no audit trail, your claim could be denied. Or your premium just tripled.
06
You’re Automating the Easy Parts, Not the Expensive Ones
Most teams automate the easy stuff. The hard stuff (legacy system migrations from former headquarters, manual compliance reporting across jurisdictions, cross-platform financial integrations, post-relocation data reconciliation pipelines) stays manual because nobody wants to touch it. That’s exactly where your operational costs are hiding. We’ve seen companies cut 40+ hours of manual work per week by automating the workflows everyone assumed were too complicated.
Built for the Companies That Keep This City Running
Plano and Frisco aren’t just fast-growing suburbs. They’re the destination of a once-in-a-generation corporate migration. DFW has been the #1 metro for corporate headquarters relocations three years running. 100 companies moved here since 2018. 44 Fortune 1000 headquarters across DFW. No state income tax. Cost of doing business well below coastal markets. That’s exactly where we operate best.
Banking & Financial Services
JPMorgan Chase Has 11,200 Employees in Plano. Capital One Has 5,600+. This Is the Corridor.
JPMorgan Chase operates a regional headquarters in Plano with more than 11,200 employees. Capital One Finance has more than 5,600 employees in Plano. Goldman Sachs is building an 800,000-square-foot campus in nearby Richardson, home to its largest U.S. workforce outside New York City. Charles Schwab relocated its global headquarters from San Francisco to Westlake, a short drive from Plano. DFW’s financial services workforce ranks #2 nationally behind only New York. These institutions process banking transactions, credit card data, investment records, and lending portfolios for millions of customers under GLBA, and PCI-DSS obligations. The concentration of financial data in a single suburban corridor creates a compliance surface unlike anything these companies faced in their former locations.
Fintech, Insurance & Retirement Services
TIAA Is Shifting 1,000 Jobs to Frisco. SoFi and Toyota Financial Services Are Here. The Lines Are Blurring.
TIAA announced a $58 million Frisco corporate center, shifting 1,000 jobs to serve its retirement services customers. SoFi established Frisco operations. Toyota Financial Services expanded into Frisco’s Southstone Yards development, expecting 1,000 jobs, while maintaining its Plano campus alongside Toyota North America. Liberty Mutual built a major Plano campus. GM Financial is headquartered in nearby Fort Worth. These companies span traditional insurance, retirement services, auto lending, and digital-first fintech. Each handles customer financial data under GLBA, state insurance regulations, and security attestation requirements. When a fintech startup from San Francisco and a century-old retirement services company from New York both operate in the same Frisco development, the compliance requirements are different but the consequences of failure are the same.
Enterprise Technology & Telecommunications
AT&T Is Building a 54-Acre Global Headquarters in Plano. Ericsson Is Already Here.
AT&T is relocating its global headquarters from downtown Dallas to a new 54-acre campus in Plano’s Legacy District, with partial occupancy expected by 2028. AT&T already employs 2,500 people at a Plano customer service center. Ericsson maintains Plano operations supporting global telecommunications infrastructure. LTIMindtree is expanding in Frisco. The broader corridor hosts a growing cluster of enterprise IT, managed services, and professional services firms that followed the Fortune 500 campuses. These companies process massive volumes of subscriber data, enterprise customer records, and telecommunications infrastructure information under security attestation obligations. The companies building platforms for this corridor’s enterprise customers must scale compliance alongside the campus expansion.
Corporate Headquarters & Consumer Brands
Toyota, PepsiCo/Frito-Lay, Keurig Dr Pepper, PGA of America. The Campus Ecosystem.
Toyota North America employs nearly 5,000 people at its Plano headquarters, having relocated from Torrance, California, in 2017. PepsiCo’s Frito-Lay North America has operated on nearly 300 acres in Plano since 1985. Keurig Dr Pepper maintains Plano operations. The PGA of America relocated from Palm Beach Gardens to Frisco. The Dallas Cowboys headquarters at The Star anchors Frisco’s sports and entertainment district. Sally Beauty, KFC, Simpson Strong-Tie, and Assa Abloy are recent Plano arrivals. These companies process consumer data, supply chain records, e-commerce transactions, and membership information under PCI-DSS obligations. Every relocation brought legacy systems that must be integrated, documented, and made compliant in a new operational context.
Professional Services & Consulting
Deloitte, CohnReznick, and the Firms That Follow the Fortune 500
Deloitte and CohnReznick both established or expanded Frisco operations in fiscal 2025. The professional services firms follow the Fortune 500 campuses, building regional offices to serve the financial services, technology, and consumer brands that relocated. Frisco saw 70 companies establish or expand over the past three years, creating or retaining nearly 10,500 jobs and achieving a 24% reduction in labor shed. These firms process audit data, client financial records, tax information, and consulting deliverables for the very companies whose compliance they’re helping manage. The platforms supporting this work carry client confidentiality obligations that grow with every engagement.
Stop Duct-Taping. Start Automating.
Every patch you add to a 15-year-old system is borrowed time. You know the person who built it is gone. You know nobody fully understands what happens when X triggers Y. You know it’s going to break, you just don’t know when.
We go in, map the thing, document it properly, and build a modernization path that doesn’t take your operations offline. Then we find every manual process that should have been automated five years ago and we fix it.
40+
Hours/week recovered through automation
0
Offshore contractors touching
your data
100%
US-based
engineering team
1
Point of contact who actually
knows your stack
If You Handle Sensitive Data,
You Have Compliance Obligations. Full Stop.
We don’t just build software. We build software designed to hold up under a security review, a regulatory examination, and a PCI-DSS assessment. We engineer with compliance in the architecture, not bolted on at the end.
PCI-DSS
Payment card data, transaction processing, e-commerce and billing compliance
GLBA
Consumer financial data privacy, banking and lending data safeguards
HIPAA
Healthcare data for employer health plans, wellness platforms, and benefits administration
The Comparison Your CFO Needs To See
Offshore looks cheaper until you run the real numbers. Vibe coding looks faster until the auditor shows up.
Here’s what the comparison actually looks like.
Hoyack Core Service |
Hoyack (Onshore) |
Offshore/Vibe Coding |
|
HIPAA & compliance-safe code practices |
Built in from day one |
Assumed, rarely verified |
|
Data stays onshore (US soil) |
Guaranteed |
Often unclear or outright no |
|
Audit-ready code and logs |
Architected for it |
Retroactive fixes required |
|
Code review by human engineers |
Every commit |
AI-gen code often skipped |
|
Cyber insurance eligibility |
Documented & defensible |
Increasingly at risk |
|
Legacy system knowledge transfer |
Full documentation |
Knowledge walks when contract ends |
|
Real total cost (incl. rework, risk, delay) |
Predictable |
Unpredictable & compounding |
If You’re Not Sure Where Your Gaps Are, That’s the Problem.
We’ll do a no-pressure technical assessment of your current stack, compliance posture, and automation opportunities. You’ll walk away knowing exactly what’s at risk, and what it takes to fix it.
