Points
de friction
-
Time-consuming ACPR compliance
ACPR compliance takes an average of 420 days. Risk teams are underwater, KYC files pile up. The AI Act adds a layer of complexity that manual processes cannot absorb.
-
KYC fines and AML incidents
The average KYC fine reached €8.4M in 2025. AI Act audit volumes are 12× higher than GDPR. Every gap in traceability becomes a direct regulatory risk.
-
Tech stack incompatible with compliance
Existing AI pipelines are neither auditable nor replayable. ACPR requires a complete trail of algorithmic decisions. Migrating the stack to meet these criteria would take 18 months and cost millions.
Ce qu'on
automatise
Preuve macro
Northbound was 18 months behind on the AI Act with a risk team underwater. Waimia shipped an auditable KYC agent in 8 weeks that satisfies ACPR — without restacking. The audit trail is replayable, ACPR/AI Act exports are ready to file.
Voir le cas Northbound →KYC agent
detection
12 months
Outils
déployés
| Catégorie | Outil | Rôle |
|---|---|---|
| Modèle principal | Claude Opus 4.7 | Complex reasoning on regulatory files, compliance memo generation. |
| Modèle raisonnement | Claude Sonnet 4.6 | KYC, credit scoring, regulatory reporting generation. |
| Orchestration | VirtuoseOS | Orchestration platform with replayable audit trail and integrated compliance controls. |
| Stockage | PostgreSQL | Audited database with journaling of all agent decisions. |
| Data layer | dbt · Snowflake | Certified data pipeline for regulatory reporting obligations. |
| CRM Fintech | Salesforce Financial Services | Native connector for KYC workflows and customer file management. |
Conformité livrée.
Stack préservée.
45 minutes. On cartographie votre périmètre ACPR/AI Act, on identifie les lacunes, on propose 3 agents conformes. Sans replatforming imposé.