A New Era for Risk and Compliance Investigations
How AI agents are transforming financial-crime investigations.
TL;DR. Roe automates the research side of AML and fraud. Agents screen 12× more data than other tools, cut investigation time from hours to minutes, and keep humans in control of the final decision. Already in production at eBay, Affirm, and Crossmint.
The problem
AML compliance is at a breaking point. Alert volumes are growing faster than teams can hire. Rule-based transaction monitoring systems generate thousands of alerts per week, and each one requires an investigator to manually pull transaction data, search public records, check sanctions lists, cross-reference documents, and piece together a narrative.
A single investigation takes 30 minutes to 5 hours. Backlogs grow every week. Investigators burn out. Miss something and you are in front of regulators.
The industry has tried automation before, but most tools just summarize data already in front of the investigator. They do not actually do the work.
What we built
Roe conducts deep investigations on AML alerts, fraud cases, and merchant risk reviews. Think of it as Cursor for compliance: the AI handles tedious data gathering and pattern recognition while investigators stay in control of the actual decisions.
- Connects to your existing systems. Roe plugs into your case manager, transaction monitoring system, and warehouse via API. No rip-and-replace.
- Plans and executes like a human. Roe drafts a plan from your SOPs, writes SQL, searches public records and the open web, and adapts mid-investigation.
- Goes deep. Each investigation runs 8–15 iterations and 100+ steps. Not a one-shot summary.
- Full auditability. Every query, search, and reasoning step is logged for regulators and sponsor banks.
- Learns from feedback. Investigator agreement and corrections flow into a memory layer with no manual retraining.
- Generates SARs. For suspicious cases, Roe drafts narratives in your team's templates.
Use cases
- AML: transaction history, KYC, sanctions, public records, ready for human review.
- Fraud: ATO, payment fraud, first-party fraud, combined with your existing fraud signals.
- Product compliance: listing review at scale for counterfeit and prohibited goods.
- Merchant risk: UBO checks, document IDV, web crawling, and chargeback analysis.
Results
- Tedious investigations completed in 2–15 minutes.
- 12× more data screened than other AI tools and vendors.
- 80% cheaper than manual review.
