New mandates from Brussels to Washington — see what your institution must automate The mandate wave is here Get the regulatory timeline here!
Why compliance is the next agentic frontier. Read our manifesto here.Sikker builds the world's first AI compliance workforce for financial institutions. Every obligation is managed by specialized agents working in parallel: scanning regulatory horizons, mapping gaps, testing controls, and verifying counterparties — simultaneously. What once consumed your team's weeks is now executed by a coordinated network of AI Agents.
Request DemoNext-Gen Intelligence
For as long as financial firms have existed, growth and compliance have moved together — every new market, every new product, every new customer meant more mandated steps and more people to run them — today 15–20% of a bank's operating costs. A firm's ambition was always capped by what its compliance operation could absorb. Sikker breaks that coupling: AI agents run the mandated steps, and the institution grows without the back office growing with it.
A single application enters the system. Within seconds, agents verify identity, resolve ownership, screen sanctions, and write the audit record — all in parallel. The routine work clears on its own — what reaches your team are the follow-ups and the tough calls.
"There is no market-wide standard specifying which data should be used for the VoP check. Every PSP may have a different approach."
EBA VoP Practitioners Group, September 2025
The auditability regulators expect
Faster and more consistent than the outsourced reviews and external consultants it replaces. Every case closes examiner-ready — traced, cited, and governed the moment it's produced. When the auditor asks, the record already exists.
For your Institution
Drowning in Regulatory Change
Evidence Chased by Hand
Audit-Week Panic
Grow the institution. Not the compliance department.
Five layers.
One transformation.
Sikker doesn't just automate tasks. We fundamentally transform how compliance operates. Each layer creates value on its own, and you can start with whichever layer makes the most sense for you. Start where your next deadline is.
Scan regulations, map gaps, test controls. Secure your license to operate.
Like your best analyst on every case, around the clock. Reviews that took hours come back decision-ready in minutes — so your customers keep moving.
From CIP to audit record — every mandated step executed and documented as work happens, not reconstructed in audit week.
Manage and scale your personal Agentic Workforce. Your officers define Agent Operating Procedures in plain language, grounded in your own policies — and every conclusion cites its source. When a workflow is yours alone, you build it, not a vendor roadmap.
Government Registries Live
14
Direct integrations with authoritative government registries. Every verdict traceable to a named source.
Verdict Latency
<3s
One API call returns Confirmed, Mismatch, or Unverifiable — with the sources consulted — before the payment executes.
SEPA Transactions / Year
11B
Since October 2025, every one of them requires payee verification by law. (ECB Payments Statistics)
VoP Grey Zone
34%
One in three VoP results needs documented resolution — with no market-standard tool. (Natixis CIB, March 2026)
Firms in AMLR Scope
2,400+
2,000+ leasing and commercial-finance firms (Leaseurope) and 400+ factoring firms (EUF) come under one EU rulebook from July 2027. Penalties reach 10% of turnover.
Of a Bank's Operating Costs
15–20%
What governance, risk and compliance consume at most major banks — most of it manual work agents now execute. (Bain & Company)
Our Promise to you
You've seen the five layers — how we simplify compliance, automate operations, scale assurance, supercharge your officers and enable you to manage your Agentic Workforce. This is the foundation we want to build on.
Compliance was a place where complexity hides in plain sight, where judgment is trapped in spreadsheets, and where some of the sharpest minds in finance spend their time chasing evidence instead of managing risk.
Because compliance isn't a department that sits beside the business. It's the law running through everything a financial firm does — every onboarding, every payment, every renewal. For decades the answer was headcount. Now the work scales without it.
Our vision isn't about replacing people. It's about giving them their time back, their judgment back, their purpose back. Because when all this noise is gone, people don't just work better — they see risk more clearly. They act with intention. They move entire institutions forward.
And this is where we come in — bringing this technology to life. To turn regulation into outcomes. To build agents that do the operative grunt work and agents that support strategic judgment — so compliance professionals can finally do the great work they're capable of.
Real change starts in messy, vital systems that keep money moving safely, and we see it as our responsibility to shepherd every compliance professional through this evolution.
Guiding you through each layer until you emerge not as evidence collectors, but as agent supervisors.
Enterprise-Grade Compliance
Every decision explainable. Every action auditable. Every workflow governable.
Designed for GDPR from day one — your data protected under the strictest privacy regulations in any market.
Every verdict is sourced from official government registries — not aggregators, not scraped data.
Deployed in the region your regulator expects — full data sovereignty for regulated institutions.
Every agent action is logged, timestamped, and exportable — evidence your regulator can actually read.
Account numbers stored as cryptographic hashes. Amounts and payer identity never stored.
Independent security attestation underway, built on security-first architecture from the start.
Designed for GDPR from day one — your data protected under the strictest privacy regulations in any market.
Every verdict is sourced from official government registries — not aggregators, not scraped data.
Deployed in the region your regulator expects — full data sovereignty for regulated institutions.
Every agent action is logged, timestamped, and exportable — evidence your regulator can actually read.
Account numbers stored as cryptographic hashes. Amounts and payer identity never stored.
Independent security attestation underway, built on security-first architecture from the start.
Proven. Sourced. Auditable.
LIVE SINCE
October 2025
Verification of Payee — mandatory across SEPA
Europe made payee verification law before any other market — the proving ground for an expectation going global. One in three checks lands in a grey zone that still demands human judgment — exactly the work our agents now execute.
From July 2027, AMLR puts Europe's leasing and factoring sector — 2,000+ lessors and commercial financers (Leaseurope) and 400+ factoring firms (EUF) — under one harmonised rulebook, with ongoing monitoring duties no spreadsheet can carry. The mandate wave that starts in Europe is forming in every regulated market.
AMLR 2024/1624 · applies 10 July 2027
Every claim on this page is traceable to a named source
Let's discuss
Let's discuss your current compliance challenges and explore how agentic AI can take the mandated steps off your team's desk. The consultation is free and non-binding.
or write us directly
support@sikker.me
