A New Era for Risk and Compliance Investigations
TL;DR: Roe builds AI agents that automate the research side of AML and fraud investigations. Our agent screens 12x more data than other solutions, cuts investigation time from hours to minutes, and keeps humans in control of the final decision. We're already working with companies like 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. And the stakes are high: miss something and you're in front of regulators.
The industry has tried automation before, but most tools just summarize data that's already in front of the investigator. They don't actually do the work.
What We Built
Roe conducts deep investigations on AML alerts, fraud cases, and merchant risk reviews. Think of Cursor for compliance: the AI handles the 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 management tool, transaction monitoring system, and data warehouse via API. No rip-and-replace. We also ingest risk signals from other providers to augment our agent.
Plans and executes like a human investigator. When an alert comes in, the agent forms an investigation plan based on your SOPs. It writes SQL queries to analyze transaction patterns. It searches public records, government databases, Google Maps, LinkedIn, and anything else on the open web. It adapts mid-investigation based on what it finds, just like a human would.
Goes deep. Each investigation can be upwards of 10 iterations and over 100 steps. This isn't a one-shot summary. The agent follows threads, cross-references entities, and builds a complete evidence package.
Full auditability. Every query, web search, and reasoning step is logged and traceable. Regulators and sponsor banks can drill into any finding to see exactly how the agent reached its conclusion.
Learns from feedback. When investigators agree or disagree with the agent's findings, that feedback flows into a memory system that improves future investigations. No manual retraining required.
Generates SARs. For suspicious cases, the agent drafts SAR narratives formatted to your team's templates.
Use Cases
AML Investigations: The agent gathers transaction history, KYC documents, sanctions checks, and public records to deliver complete investigation summaries ready for human review.
Fraud Investigations: Account takeover, payment fraud, first-party fraud, with signals from your existing fraud stack including device fingerprints, email age, and IP address.
Product Compliance: For marketplaces, the agent reviews listings at scale to flag counterfeit goods, prohibited products, and policy violations.
Merchant Risk: Underwriting and ongoing monitoring, including UBO verification, document IDV, public records searches, website crawling, and chargeback analysis.
Results
- Tedious investigations completed in 2-15 minutes, depending on complexity
- 12x more data screened than other AI tools and vendors
- 80% cheaper than manual review
📅 Schedule a demo
If your compliance or risk ops team is buried in alerts, we'd love to show you how Roe works.
Book time with our CEO Richard here
👋 Intros welcome
We're looking to connect with Risk and Compliance leaders at fintechs, banks, and payment processors. If you know someone, please connect us!
🛠️ We're also hiring for engineers
