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For licensed financial services companies serving corporate clients.

Do any of these challenges sound familiar?

  • Alert fatigue:

    Are false positives taking time away from cases that deserve a closer look?

  • False negatives (missed risks):

    Can you be confident a counterparty is genuinely low risk when relevant information is fragmented or hard to connect? Can your team work through layered ownership structures effectively?

  • Defensibility:

    If a decision is challenged, can your team show what evidence informed it, how conflicting information was handled, and why the conclusion was reached? Do you have clear audit trails?

  • Risk-based human decisions:

    Is your current compliance technology stack risk-based and aligned with your risk framework? Does it provide substantive, contextual evidence so your team can make critical human decisions about the risks your organisation is prepared to accept?

Three professionals discussing a relationship diagram on a large screen.

See how connects information and context, helps reduce false positives, tests contradictions, applies bias filters, traces evidence to its source and weighs it in context, then prepares risk-based analysis for human review.

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VÖR by Predictive Diligence

“AWARENESS BEFORE
JUDGEMENT”

: The Movie

Transcript and visual description

is an AI-native, human-engineered SaaS platform for regulated financial institutions. helps teams conduct CDD and EDD on prospective and existing corporate clients more efficiently, with greater defensibility and better cost control.

Explore →

Compliance is costly . . . 
Non-compliance is costlier 

Reputation at stake. Resources tied up in remediation. Revenue under pressure.

$4.4T estimated global illicit financial activity in 2025

US$550M expected pre-tax spending by TD on US AML remediation and related governance and controls in fiscal 2026

A wrecking ball marked FINCRIME striking a financial district building.

$34.7B estimated global spending on financial crime compliance technology by financial institutions in 2024

$3.8B global penalties for AML, KYC, sanctions and CDD compliance failures in 2025

$1.2B FinCEN penalty against Bank of America for AML failures in October 2026

Sources: Nasdaq Verafin, 2026 Global Financial Crime Report; TD, Q3 2026 results; Celent, IT and Operational Spending on Financial Crime Compliance: 2024 Edition (28 March 2024); Fenergo, Financial Crime Enforcement Analysis (2025/2026); FinCEN, Bank of America (2026). Figures are estimates, forecasts or analyses based on the methodologies of the sources.

“Banks must apply a RISK-BASED approach to CDD, including when developing the RISK PROFILES of their customers. More specifically, banks must adopt appropriate RISK-BASED PROCEDURES for conducting ongoing CDD . . .”

Joint Statement by The Board of Governors of the US Federal Reserve System, the US Federal Deposit Insurance Corporation, the US Financial Crimes Enforcement Network, the US National Credit Union Administration, and the US Office of the Comptroller of the Currency

Guards
against the dangers beneath

A compliance officer facing a room of alerts.

FALSE POSITIVES & ALERT FATIGUE

Industry research reports false-positive rates above 90% in AML transaction monitoring and KYC alerting.1

ALERT FATIGUE leaves companies vulnerable to hidden risks (including False Negatives)

1 McKinsey (2020); Celent (2026).

A shark beneath the surface of the water in front of a city skyline.

The most dangerous Financial Crime lurks beneath the surface

COST OF NON-COMPLIANCE

  • UBS Financial Services (US): $125 million FinCEN penalty in August 2026 for BSA violations, including failures in customer due diligence (CDD)
  • TD Bank (US): $3 billion by DOJ et al for systemic AML failures
  • OKX: $504 million DOJ penalty for unlicensed transmission & insufficient KYC
  • Barclays: ≈US$56.9M (£42.4M) by FCA for severe deficiencies in AML controls & customer due diligence
  • Block Inc.: $40 million by NYDFS for significant deficiencies in CDD procedures

Sources: FinCEN: UBS (2026); DOJ: TD Bank (2024); DOJ: OKX (2025); FCA (2025); NYDFS (2025, PDF).

Barclays: USD equivalent at the 16 July 2025 exchange rate. Federal Reserve.

See in action

Explore how supports your team’s diligence workflow.

supports defensible risk analysis

The platform combines proprietary technology with structured analytical processes to help reduce false positives and false negatives. It gives compliance and commercial teams risk-based analysis to support defensible decisions about corporate clients.

creates a clear record of each review

provides detailed EDD audit trails, case logs and case files. These records help teams explain what evidence informed a decision, how conflicting information was handled and why a conclusion was reached. They also support regulatory audits, investigations and requests for information (RFIs).

Three professionals discussing a relationship diagram on a large screen.

See how can enhance your due diligence so you can

ONBOARD WITH CONFIDENCE

Onboard with confidence

’s proprietary analytics engine is designed for regulated financial entities serving corporate customers. connects information and assesses it in context, tests contradictions and traces evidence to its source. It brings these findings together in risk-based analysis for human review.

Two compliance professionals reviewing connected evidence on a screen.

  • provides compliance teams with defensible CDD/EDD risk-based reports that support compliant, commercially sound & well-informed decision-making

  • LLM & AI platform agnostic: performance fit & data security/data integrity prevail when selecting infrastructure & AI models

  • Evidence provenance, admin controls, audit trail & human sign-off are designed to stand up to the toughest regulatory scrutiny

Eliminates Flat-stacking

Criminals are dynamic. Linear data collection (“Flat-Stacking”) is static.

Static data often mistakes good clients for bad ones

False Negatives: Flat-stacking often misses hidden or complex UBO structures, patterns of fraudulent behavior, distinction in use/purpose of shell companies, cryptocurrency layering, adverse relationships between entities, events, or transactions, distinctions between positive and negative bias, etc.

Compliance violations are costly: money, time, reputation and even licenses

Isolated source stacks above unconnected data points.

Flat-stacking

  • no cross‑line analysis
  • alerts, data points treated in isolation
  • no analytical mapping of relationships between entities, events, or transactions.
  • no pattern recognition across sources or time periods
  • surface‑level, unchallenged data
  • data pulled from standard stacks
  • high risk of false positives and false negatives because lacking clarity of underlying structures of risk
VÖR connecting intelligence between a professional team and a complex financial environment.

HOLISTIC INTELLIGENCE MESH

  • Built on a developed risk taxonomy, not  ad‑hoc rules

  • Integrates intelligence across nodes and links, not just within a single data stack

  • Continuously analyses relationships and behaviors across multiple lines of inquiry

  • Identifies key, relevant patterns that drive  false positives and false negatives

  • Distinguishes between clusters of risk and benign activity to reduce noise and missed signals               

  • Supports defensible decisions by turning fragmented data into a coherent risk picture

Foundations

AI + human intelligence + grounded experience

Predictive diligence is a structured methodology that combines historical data, pattern recognition and forward-looking risk analysis to anticipate and mitigate future risks.

70+ combined years in intelligence

20+ years conducting enhanced due diligence and managing special situations for regulated financial institutions

45+ combined years enterprise software & sales (including SaaS)

An experienced team working together at Predictive Diligence.
  • regulated entity board & C-suite leadership
  • advisors to regulated entities: compliance, risk & security
  • collaboration & direct activities with multiple intelligence agencies, governments & international police, with substantial cases involving financial crime
  • experience working closely with FATF on matters involving “grey- and black-listed” nations