Architecture & practice·Teams, ownership and Conway's law
the pricing engine needs actual mathematicians, so it has its own team rather than living in everyone's backlog.
Complicated-subsystem team
A team owning a part of the system that requires specialist knowledge most engineers do not have — a matching engine, a codec, a risk model. It is justified only when the specialism is genuine and rare, because every such team is a dependency for everyone else. It is the type most often claimed and least often warranted, since 'this is complicated' usually means undocumented rather than specialist.