Home→Industries→Financial Services

Build AI That Speaks Compliance

Your compliance artifacts, KYC documents, and risk policies contain the regulatory DNA of your institution. MergeOn transforms PCI/SOC reports into audit-ready datasets, parses KYC/AML checks with evidence trails, and extracts risk workflows into structured training data that teaches AI how to navigate financial regulation.

PCI DSS

SOC 1/2

KYC/AML

Basel III

GDPR

100K+

Controls Mapped

Every

Check Evidenced

87%

Faster Audits

Zero

Findings Missed

Compliance Data

PCI/SOC Artifacts → Audit-Ready Datasets

Transform compliance documentation into structured training data that teaches AI to understand controls, evidence requirements, and audit procedures

Compliance Artifact Processing Pipeline

■Q4 2024 Audit Ready

Raw Compliance DocumentsUNSTRUCTURED

PCI DSS Self-Assessment v4.0

394 controls • 12 sections • PDF format

SOC 2 Type II Report

Trust service criteria • 247 pages

Network Security Policies

87 policies • Version controlled

Penetration Test Results

Q3 2024 • Critical findings: 0

Access Control Matrix

Excel • 2,847 permission mappings

→

Structured Training DataAI-READY

{
  "control_id": "PCI-DSS-3.4.1",
  "requirement": "Render PAN unreadable using encryption",
  "implementation": {
    "method": "AES-256-GCM",
    "key_management": "HSM-backed",
    "rotation_period": "annual"
  },
  "evidence": [
    {
      "type": "configuration",
      "source": "crypto_policy_v3.pdf",
      "page": 47,
      "last_validated": "2024-10-15"
    },
    {
      "type": "test_result",
      "source": "pentest_q3_2024.pdf",
      "finding": "compliant"
    }
  ],
  "compliance_status": "PASS",
  "risk_rating": "low",
  "next_review": "2025-01-15"
}

Identity Verification

KYC/AML Parsing with Evidence Links

Extract verification checks, risk scores, and compliance decisions from KYC/AML documents with complete evidence trails for training compliant AI systems

Customer Onboarding

IDENTITY

Parse identity verification documents, extract data points, validate against sanctions lists, and create training examples with full audit trails.

1Document authenticity verified

2Biometric match confirmed

3Address proof validated

4Risk score calculated: Low

Sanctions Screening

AML

Extract entity data from documents, match against OFAC/UN/EU lists, document false positives, and build training sets for name matching AI.

1Name variations generated

2Fuzzy matching applied

3No matches found

4Clearance documented

Transaction Monitoring

PATTERN

Process transaction histories, identify patterns, flag anomalies, and create labeled training data for suspicious activity detection.

1Baseline behavior established

2Velocity checks passed

3Geographic consistency verified

4No structuring detected

PEP Screening

ENHANCED

Extract names and relationships from documents, check against PEP databases, document relationship networks, and train AI on risk assessment.

1Direct PEP check: Negative

2Family associations reviewed

3Business relationships mapped

4EDD not required

Source of Wealth

VERIFICATION

Parse financial statements, employment records, and business documents to verify wealth sources and create training data for risk models.

1Income documents analyzed

2Tax returns validated

3Business ownership confirmed

4Wealth source: Legitimate

Ongoing Monitoring

CONTINUOUS

Extract updates from news, regulatory changes, and transaction patterns to maintain current risk profiles and train adaptive AI models.

1Adverse media: Clear

2Regulatory status: Current

3Risk score: Unchanged

4Next review: 6 months

Risk Management

Capital, Credit & Ops Risk Workflows

Transform risk policies and procedures into structured training data that teaches AI to understand risk frameworks, limits, and escalation procedures

Capital Risk

847 policies extracted

Credit Risk

1,247 rules mapped

Operational Risk

524 workflows parsed

Extracted Capital Risk Policies

TIER 1 CAPITAL RATIO

Maintain minimum Tier 1 capital ratio of 6% under Basel III. Breach triggers immediate CEO notification and trading restrictions.

Source: Capital_Policy_2024.pdfSection: 3.1.2View evidence

STRESS TESTING

Conduct quarterly stress tests with severely adverse scenarios. Capital buffer must withstand 400bps rate shock.

Source: CCAR_Framework.docxSection: 7.4View evidence

LEVERAGE RATIO

Supplementary leverage ratio must exceed 5% for GSIBs. Daily monitoring required with automated alerts at 5.5%.

Source: Risk_Appetite_Statement.pdfSection: 2.8View evidence

AI Applications

What You Can Build With This Data

Compliance-trained AI that understands financial regulation

Audit Automation

Train AI to prepare for audits by mapping controls, gathering evidence, and identifying gaps. Built from thousands of successful audit reports.

→ 87% faster audit prep

Compliance Monitoring

Build models that continuously monitor for regulatory changes and assess impact on existing controls. Trained on regulatory updates and implementations.

→ Real-time compliance status

Risk Assessment

Develop AI that evaluates risk across capital, credit, and operational dimensions using your actual risk frameworks and historical decisions.

→ Consistent risk scoring

KYC Intelligence

Create models that streamline customer onboarding while maintaining compliance. Trained on approved and rejected cases with full reasoning.

→ 70% faster onboarding

Transaction Monitoring

Train AI to detect suspicious patterns using labeled transaction histories and investigation outcomes. Reduces false positives while catching real risks.

→ 65% fewer false positives

Regulatory Reporting

Build systems that automatically compile regulatory reports from source data. Trained on successful submissions across multiple jurisdictions.

→ Zero filing errors

Real Results

Compliance Operations, Transformed

■

10K+

Controls Mapped

Across frameworks

▲

87%

Faster Audits

Evidence ready

◆

$2.7M

Saved Annually

Compliance costs

●

Zero

Regulatory Fines

Since deployment

□

100%

Evidence Traced

Full audit trail

○

24/7

Monitoring

Continuous compliance

Train AI That Understands Compliance

See how banks and fintechs are building regulatory AI with MergeOn-processed compliance data

See Compliance Demo Review Security Docs