RegTech and Fintech Compliance Software

When compliance needs infrastructure, not a spreadsheet

Most compliance failures in regulated financial businesses aren't knowledge failures. The compliance team understands what the regulator requires. The failures are operational: the KYC check that wasn't updated when the customer's risk profile changed, the transaction that triggered a monitoring threshold but wasn't reviewed because no alert was generated, the SAR filed late because the workflow depended on someone remembering to submit it. These are process failures that require process infrastructure. We build RegTech and compliance systems that make the operational side of compliance systematic: automated KYC onboarding, real-time AML transaction monitoring, SAR workflow, regulatory reporting generated from structured data, and risk and control frameworks built around your specific regulatory obligations.

  • Digital KYC with document verification, liveness checks, and real-time PEP/sanctions screening

  • AML transaction monitoring with configurable rules, alert investigation, and SAR/STR workflow

  • Automated regulatory reporting for FCA, PRA, DORA, FinCEN, OCC, SEC, and regional regulators

  • Customer risk scoring, GDPR data privacy automation, and three-lines-of-defence risk frameworks

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4.9
on Clutch
See our work

The problem

Sound familiar?

  • Compliance team spending most of their week pulling data from operational systems manually to assemble regulatory reports due on a fixed schedule every month?

  • Transaction monitoring running on a spreadsheet review of transactions above a threshold each week, with no alert workflow, no case management, and no audit trail?

Short answer

RaftLabs builds custom RegTech and fintech compliance software for banks, fintech companies, and financial services firms. Core components include digital KYC with document verification and PEP/sanctions screening, AML transaction monitoring with SAR/STR case management, automated regulatory reporting for FCA, PRA, DORA, FinCEN, OCC, and SEC, customer risk scoring with ongoing monitoring, GDPR data subject request automation, and risk and control frameworks with three-lines-of-defence workflow. Most projects deliver in 10 to 16 weeks at a fixed cost.

Key takeaways

  • AML rule configuration lets the compliance team add, modify, and disable monitoring rules without developer involvement, with every change versioned and effective-dated.
  • SAR drafting tools pre-populate mandatory fields from the case record, with tipping-off controls restricting access to only the investigating compliance personnel and nominated officer.
  • Customer risk scores recalculate on defined trigger events, a high-risk jurisdiction transaction, a positive PEP match, not just on a fixed periodic review cycle.
  • A focused build covering one or two compliance functions runs 10-12 weeks; a broader platform with reporting, AML monitoring, GDPR, risk register, and policy management runs 14-16 weeks.

Trusted by

Vodafone logo
Aldi logo
Nike logo
Microsoft logo
Heineken logo
Cisco logo
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Energia Rewards logo

Compliance software delivery, by the numbers

products shipped
100+
framework coverage
Multi-reg
cost delivery
Fixed
week delivery
10-16

When compliance needs infrastructure, not a spreadsheet

We build compliance systems that make the operational side of financial regulation systematic: automated KYC and monitoring, workflow-managed SAR investigation, reporting generated from structured data, and risk frameworks that hold up under regulatory inspection.

Capabilities

What we build

  • 01
    Digital KYC and identity verification

    Document and liveness verification with automated risk-based due diligence and KYC refresh management.

    Built with
    WorldCheck · Dow Jones
  • 02
    AML transaction monitoring and case management

    Real-time rule-based and ML-pattern alerting with a structured investigation queue and prioritised case workflow.

  • 03
    SAR/STR workflow and regulatory submission

    Pre-populated SAR drafting with tipping-off access controls and a complete submission register for MLRO reporting.

    Built with
    FATF Travel Rule
  • 04
    Customer risk scoring and ongoing monitoring

    Event-triggered risk recalculation with tiered periodic review scheduling and risk-profile change alerts.

  • 05
    Regulatory reporting and audit trail

    Scheduled, regulator-formatted report generation from operational data with a full submission audit trail.

    Built with
    FCA · PRA · DORA · FinCEN
  • 06
    GDPR, risk frameworks, and policy management

    DSR automation, breach notification workflow, a three-lines-of-defence risk register, and attestation-tracked training.

How we work

From scope to live compliance platform

  1. Week 1
    01

    Regulatory obligation scoping

    We map which regulations apply to your business, where the manual work is, and what your compliance team spends most time on. You leave week 1 with a written scope document and a fixed-price quote.

  2. Weeks 2-5
    02

    Workflow and reporting schema design

    KYC rules, AML monitoring logic, and regulator-specific report schemas designed against your actual obligations.

  3. Weeks 6-14
    03

    Build and integrate

    KYC, transaction monitoring, and reporting built in parallel, tested against real operational data.

  4. Final 2-3 weeks
    04

    Launch and compliance team training

    Compliance officers and MLROs trained on the new workflow before full rollout.

Why us

Why regulated financial businesses choose RaftLabs

  • 01
    Senior engineers build what they scope

    The engineers who assess your regulatory obligations also build the solution. No bait-and-switch, no offshore handoff after the contract is signed.

  • 02
    Fixed price before development starts

    We scope the work, calculate the cost, and lock it in writing before any development starts.

  • 03
    9 years and 100+ products shipped

    Clients include Vodafone, T-Mobile, Aldi, Nike, Cisco, and Lockheed Martin. Track record building fintech and compliance platforms.

  • 04
    We'll tell you honestly if a configured platform is enough

    Custom is justified by real workflow or reporting-schema mismatch, not recommended by default.

  • 05
    Audit-ready evidence captured at the point of decision

    Every KYC decision, alert, and SAR is logged with user, timestamp, and data state, not reconstructed after the fact.

Have a compliance software project?

Tell us which regulations apply to your business, where the manual work is, and what your compliance team spends most time on. We'll scope a system and give you a fixed cost.

Talk about your compliance software project

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RegTech and Fintech Compliance Software Development, scoped in one call.

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Frequently asked questions

Established platforms handle standard KYC and transaction monitoring well for common financial product types. Custom is right when your customer base, transaction model, or risk appetite creates requirements the platform's configuration layer can't model, a specific EDD process, unusual transaction monitoring rules for a payment product, or regulatory reporting obligations specific to your authorisation category.

Generic GRC platforms like Archer, ServiceNow GRC, and OneTrust are broad tools covering many industries. A financial services compliance build is purpose-built around your specific regulator, your operational data sources, and your compliance team's workflow, with report templates built to the exact schema your regulator expects.

Yes. We build integrations via REST APIs, message queues, database connectors, or file-based exchange depending on what your systems support, covering core banking, payment ledger, customer database, HR training records, and document management.

A focused build covering digital KYC with screening, basic transaction monitoring with an alert queue, and SAR workflow typically runs $30,000 to $65,000. A broader platform with customer risk scoring, EDD workflows, multi-regulator reporting, and risk register typically runs $60,000 to $150,000.

Work with us

Tell us what you need. We'll tell you what it would take.

We scope RegTech and Fintech Compliance Software Development in 30 minutes. You walk away with a clear cost, timeline, and approach. No commitment required.

  • Scope and cost agreed before work starts. No surprises. No obligation.
  • Working prototype within 3 weeks of kickoff.
  • Pay by milestone. You see progress before each invoice.
  • 60-day post-launch warranty. Bug fixes, UI tweaks, and deployment support. No retainer.
  • All conversations are NDA-protected.

Go deeper

Browse our case studies

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