2024
(Intro) A compliance engine built for one of Europe's fastest-growing payment platforms. It tracks regulatory changes across 37 countries and 21 languages in real time and tells the compliance team exactly what to do about them. Because when you operate across the entire EMEA region, a missed update isn't just a legal problem. It's a trust problem, a brand problem, and a growth problem. The system handles the complexity so the team can focus on what actually moves the business forward.
(Compliance) Each jurisdiction where the payment platform operates has its own set of financial regulations, anti-money-laundering laws, and payment processing requirements. All of these are prone to change at an unpredictable pace. Before the regulatory monitoring system was put in place, the team of 12 people spent 60+ hours a week browsing regulatory websites, newsletters, and official gazettes to catch applicable changes in time. Despite all that work, it took an average of 28 days to detect a regulatory change.
(Dead Ends) The company had spent considerable time and resources attempting to solve its compliance challenge, cycling through multiple approaches without success. Among other efforts, it had reached out to a variety of AI development companies, hoping that one of them might offer a viable path forward, but none of the solutions presented had proven adequate for the task at hand.
[RMAI.01]
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Between 2023 and 2024, the company worked through several approaches to solving its compliance challenges. Expanding the team led to high turnover and ballooning operational costs. Off-the-shelf compliance software proved too expensive and poorly suited to the specific needs of a payment platform. AI vendors waited for detailed technical instructions rather than engaging with the broader strategy. And an internal proof of concept for a custom system was never delivered on time.
[RMAI.02]
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Each of these failures pointed to the same underlying problem: manual monitoring of regulatory changes could not keep up with the demands of the business. Tracking requirements across multiple markets simultaneously left the process fragmented, resource-intensive, and exposed to human error.
[RMAI.03]
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In Q1 2024, the accumulated inefficiencies caught up with the company. The team missed a critical change in AML reporting requirements in a central European market, resulting in an incomplete submission to the regulator. That single oversight nearly triggered a substantial fine and a damaging PR crisis. The C-suite was forced to pause market expansion until the company could guarantee the reliability and timeliness of its regulatory oversight.
(Our Approach) Ensuring the new regulatory monitoring system would indeed be effective for the company required an in-depth assessment of both the existing workflows (including a comprehensive jurisdictional analysis) and the feasibility of the custom AI solution. The insights gained during the discovery phase also informed the regulatory taxonomy and impact scoring framework. A thorough analysis of historical regulatory data over the past six months ensured the framework was tailored to the compliance team's needs.
Before a line of code was written, we worked through an AI implementation strategy shaped around three core challenges the pilot had to address: centralising all regulated activities, entities, and products within a single structured table without redundancy; evaluating the relevance of regulatory documents at both the document and sub-document levels; and establishing clear links between each regulated item and the source document where it is defined. This strategy set the scope, the success criteria, and the sequencing for everything that followed. The first build track was AI agents development. Country-specific agents were designed to continuously monitor the 80+ regulatory sources identified during discovery, capturing new and updated publications as they appeared. A separate translation agent handles the 21 source languages, normalising everything into German, French, and English so the compliance team works from a consistent base rather than juggling raw multilingual inputs.
The second track was custom AI/ML development, which gave the system its judgement. We trained a natural language processing model on the client's historical regulatory assessments so its classifications matched the team's established taxonomy — theme, modality, necessity, time horizon — rather than imposing a new one. On top of that sits the relevance and impact scoring layer, built jointly with the business team from real-world scenarios, which assigns each clause a 0–10 score with a confidence indicator attached. The third track, MLOps, is what keeps the whole thing honest in production. Models are deployed, monitored for drift and performance, and retrained on fresh assessments as the compliance team's feedback accumulates. This is the part that turns a clever prototype into something the team can actually rely on week after week, and it's what lets accuracy improve over time instead of quietly decaying.
(What We Built) The platform was engineered around several tightly integrated capabilities, each addressing a specific gap in the company's previous compliance workflow. Rather than layering automation on top of existing processes, the system replaced fragmented manual routines with a unified, AI-native architecture designed for scale, accuracy, and speed across all 37 regulated markets.
[RMAI.01]
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During the discovery stage, 80+ regulatory sources in 21 languages were identified as relevant for the payment solution provider. Country-specific AI agents regularly check each of these sources for new publications and promptly store new updates. After that, a specific AI translation agent ingests and automatically translates publications from 21 languages into German, French, and English. As a result, the compliance team reports spending up to 40% less time on manual monitoring. The time saved is expected to increase over time as the solution's output gains the team's trust.
80+ sources monitored
21 languages covered
[RMAI.02]
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The client's historical regulatory assessments served as the training datasets for the underlying natural language processing (NLP) model. The training ensured that the generative AI model's output aligned with the compliance team's established approach to classification and impact analysis. Thanks to this alignment, the team receives information on every new regulatory change in a familiar format, without having to adapt to a new taxonomy. The intelligent AI solution automatically classifies clauses by several parameters: theme (AML, Licensing, Cross-Border, etc.), modality (obligations versus prohibitions), necessity (exceptions, waivers), and time horizons.
Trained on historical data
Multi-parameter classification
[RMAI.03]
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Once the clause is categorised, the AI solution assigns a relevance and impact score between 0 and 10 to predict the consequences of the regulatory change for the client's operations. Both the business team and the AI development team worked closely to review numerous real-world scenarios, building unique and meaningful scoring criteria. In line with responsible AI tenets, each impact score comes with a confidence indicator. Thanks to it, the team doesn't have to guess how reliable the score is and can double-check the impact assessments if necessary. Training the AI model on historical assessments enables it to return consistently precise impact scores.
0–10 relevance scoring
Confidence indicators
[RMAI.04]
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The platform automates best-practice compliance workflows to reduce manual effort, improve consistency, and help teams move faster across day-to-day compliance activities. It supports intelligent issue and action management, task assignment, and automated alerts so the right people are notified when action is needed. Automated approvals, automated control assessments, and automated impact assessments help standardise reviews and reduce delays caused by fragmented manual processes. By connecting centralised compliance processes with centralised documentation and document linking, the system gives teams a more structured way to manage evidence, track progress, and maintain accountability. Features such as policy attestations, real-time compliance visibility, and exam-ready reporting further improve oversight and make it easier to demonstrate that required actions were completed.
Reduced manual workload
Exam-ready reporting
[RMAI.05]
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The platform helps organisations manage policies and compliance documents in a more structured, traceable, and efficient way by connecting internal documentation directly to regulatory obligations. It supports dynamic policy management across the full policy lifecycle, from drafting and review to approval, publication, attestation, and ongoing updates. A centralised library or centralised repository gives teams one place to store and manage key documents, while an obligations register helps link policies to the specific requirements they are meant to address. Features such as policy templates, version control, and a dedicated policy portal make it easier to standardise documentation and keep records current across the organisation. Automated reminders, attestations, and board approval tracking further reduce administrative effort and help ensure that reviews, approvals, and acknowledgements happen on time. AI capabilities can also support faster organisation, retrieval, and maintenance of policy content as requirements evolve.
Centralised policy control
Clearer obligation mapping
[RMAI.06]
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The platform is designed to make compliance work easier to manage through a user-friendly design, practical workflows, and strong ongoing support. Clear navigation, intuitive task management, and accessible documentation management help teams work more efficiently without adding unnecessary complexity. Features such as real-time alerts and reporting capabilities give users timely visibility into compliance activities, while built-in security measures like encryption protocols help protect sensitive information in the background. To support successful adoption, the platform can be paired with expert implementation services, advisory services, compliance training videos, and a searchable knowledge base that help teams get up to speed faster and use the system more confidently. Industry-leading support and ongoing enhancements ensure the platform continues to improve as user needs, internal processes, and regulatory demands evolve.
Faster user adoption
Smoother implementation
Our Capabilities
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