Zaphora transforms financial institutions through precision artificial intelligence from regulatory compliance and risk modelling to customer intelligence and operational automation.
About Zaphora
Zaphora is a specialist risk and compliance agency serving banks, payment institutions, and CASPs across the EU and beyond. We help firms manage regulatory obligations, strengthen control frameworks, and improve governance with practical support that fits day-to-day operations.
Our services cover compliance advisory, risk assessments, policy development, regulatory change, monitoring, internal controls, and audit support. We complement these traditional services with AI solutions that improve efficiency, strengthen oversight, and support better decision-making.
Our multidisciplinary team of compliance professionals, risk specialists, and technology experts delivers work that meets regulatory standards and supports measurable business results. Every solution combines strong subject-matter expertise with clear implementation and audit-ready documentation.
AI Agents
Purpose-built AI agents for financial institutions — each trained on regulatory frameworks, designed for audit-readiness, and deployable within your existing infrastructure.
Continuously analyses transaction flows to detect suspicious patterns, reduce false positives, and generate audit-ready Wwft-compliant alerts.
LiveAutomates client due diligence from UBO identification to risk scoring — cutting onboarding time from days to minutes within a DNB-approved framework.
LiveReal-time screening against EU, OFAC, and UN sanctions lists with intelligent fuzzy matching and automated escalation workflows.
LiveCompiles, validates, and formats regulatory submissions for DNB, EBA, and FIU — reducing manual effort and eliminating reporting errors.
LiveGenerates Wwft, DORA, and PSD2-aligned policies and procedures tailored to your institution's risk profile — ready for internal sign-off.
LiveStructures and drafts full Wft licence dossiers for PSPs — covering governance frameworks, AML policies, and DNB application documentation.
LiveSub-200ms fraud scoring across payment flows and POS terminals — combining behavioural analytics with real-time rule engines for maximum precision.
LiveAutomates institutional and client-level risk assessments aligned with EBA guidelines — producing documented, defensible outputs for supervisory review.
LiveWhat We Do
Six core practice areas covering the full spectrum of financial AI each led by a dedicated specialist team.
AI-powered transaction monitoring, suspicious activity detection, and Wwft compliance automation for Dutch payment institutions and banks.
Real-time fraud scoring for card payments, online banking, and POS terminals adaptive models that learn from your transaction patterns to stay ahead of emerging threats.
Automated identity verification, UBO resolution, and continuous customer risk reassessment fully aligned with AMLD6 and EBA guidelines.
Real-time monitoring of DNB, AFM, EBA, and EC regulatory developments with automated impact assessments for your institution.
AI-powered compliance agents that automate monitoring, reporting, and control tasks reducing manual effort while strengthening oversight across your risk and compliance function.
EU AI Act compliance frameworks, AI risk classifications, and model governance structures tailored to regulated financial entities.
Our Method
Every Zaphora engagement follows a rigorous four-phase methodology ensuring AI solutions are not only technically superior, but fully compliant with the regulatory environment your institution operates within.
Deep institutional assessment regulatory landscape mapping, data infrastructure audit, stakeholder alignment, and AI opportunity identification.
Bespoke AI architecture incorporating explainability requirements, bias testing protocols, and regulatory documentation from day one.
Iterative model development with continuous back-testing, independent model validation, and supervisor-ready technical documentation throughout.
Controlled production rollout, ongoing model monitoring, performance reporting, and continuous recalibration as market conditions evolve.
