Compliance AI Agents

Purpose-built agents
for financial institutions.

Each agent is trained on Dutch and European regulatory frameworks, designed to produce audit-ready outputs, and deployable within your existing compliance infrastructure.

Live Agents

Regulatory intelligence,
automated.

Zaphora's first agent is live and in production — purpose-built for Dutch payment institutions operating under DNB supervision.

Agent 01

Wwft Transaction Monitoring Audit

A full AI-powered audit engine aligned with the DNB Leidraad Post-event Transactiemonitoring for payment institutions. Assess 30 Wwft requirements across 6 DNB Maturity Model themes — upload your policy documents and receive an instant, structured audit finding with regulatory grounding.

Wwft Bpr DNB Leidraad TM FIU-Nederland EBA Guidelines FATF
Live
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What it audits
6 DNB Maturity themes
  • SIRA / Risk Profile completeness
  • TM Policy & Procedure adequacy
  • TM System & Business Rules quality
  • Alert handling & FIU reporting process
  • Three-line governance model
  • Training & awareness programme
How it works
Document ingestion
  • Upload PDF, Word, Excel or CSV documents
  • AI extracts and maps evidence per requirement
  • Weighted scoring per sub-requirement (1–5)
  • Per-document breakdown of findings
  • DNB Maturity score: Rood / Oranje / Geel / Groen
  • Export as Word or CSV audit report
Additional capabilities
Beyond auditing
  • Auto-generate Wwft policy documents (NL)
  • PBC list management for document tracking
  • Institutional data dashboard (FIU reports, alerts)
  • Bulk audit across all 30 requirements at once
  • Auditor notes per requirement
  • DNB Maturity Model reference library
Ready to use
Launch the agent directly — no login required.
● WWFT TRANSACTION MONITORING AUDIT — LIVE
Regulatory grounding
Wwft art. 2a, 3, 6, 8, 9, 16, 23, 33, 35 Bpr art. 10, 17, 18, 21 DNB Leidraad TM Betaalinstellingen 2017 DNB Maturity Model §5.1–§5.6 FIU-Nederland indicatorenlijst Uitvoeringsbesluit Wwft Bijlage A EBA/GL/2021/02 FATF Recommendations
Agent 02

DORA IT Self Risk Assessment

A complete AI-powered DORA assessment tool aligned with EU Regulation 2022/2554 and the DNB IT self-assessment framework. Assess 48 requirements across 6 themes — from governance and ICT risk management to outsourcing arrangements — with AI-driven document analysis and policy generation in English or Dutch.

EU 2022/2554 RTS 2024/1774 RTS 2024/1773 DNB IT Self-Assessment ICT Risk Outsourcing
Live
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What it assesses
6 DORA themes
  • Governance and Strategy (5 requirements)
  • ICT Risk Management Framework (9 requirements)
  • Information Security (12 requirements)
  • ICT Operations Management (7 requirements)
  • Business Continuity Management (8 requirements)
  • Outsourcing Arrangements (7 requirements)
How it works
Document analysis
  • Upload PDF, Word, Excel or text documents
  • AI maps evidence to each DORA requirement
  • Coverage score per requirement (0–100%)
  • Compliant / Partially Compliant / Non-Compliant status
  • Specific evidence with document and section references
  • Export as CSV report
Additional capabilities
Beyond auditing
  • Generate DORA policy documents (EN or NL)
  • Tailored questionnaire before each policy generation
  • Bulk audit all 48 requirements simultaneously
  • EN/NL interface toggle throughout
  • Dashboard with theme-level compliance breakdown
  • Auditor notes per requirement
Ready to use
Launch the agent directly — no login required. Supports EN and NL.
● DORA IT SELF RISK ASSESSMENT — LIVE
Regulatory grounding
Regulation (EU) 2022/2554 (DORA) RTS 2024/1774 - ICT Risk Management RTS 2024/1773 - ICT Third-Party Risk DNB IT Self-Assessment Framework EBA Guidelines on ICT and Security Risk ISO 27001 / NIST CSF
Agent 03

Sanctions Screening Tool

Real-time KYC/AML sanctions screening powered by AI. Screen individuals, entities and transactions against EU, OFAC, UN and other major sanctions lists — with intelligent fuzzy matching, risk scoring and audit-ready output.

EU Sanctions OFAC UN Security Council Wwft art. 9 KYC / AML
Live
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What it screens
Major sanctions lists
  • EU Consolidated Sanctions List
  • OFAC SDN and Consolidated Lists
  • UN Security Council Sanctions
  • HM Treasury (UK) sanctions
  • PEP and adverse media screening
  • High-risk country flagging
How it works
AI-powered matching
  • Enter name, entity or transaction details
  • Fuzzy matching with AI disambiguation
  • Risk score per match (0-100)
  • Detailed match rationale per result
  • False positive filtering built-in
  • Audit trail per screening
Additional capabilities
Compliance features
  • Batch screening of multiple subjects
  • Exportable screening reports
  • Wwft art. 9 compliant workflow
  • Dutch and English interface
  • Escalation recommendations
  • No data stored — fully client-side
Ready to use
Launch the agent directly — no login required.
● SANCTIONS SCREENING TOOL — LIVE
Regulatory grounding
Wwft art. 9 — Hoog-risico landen & sancties EU Verordening 2580/2001 OFAC SDN List UN Security Council Resolutions Sanctiewet 1977 EBA/GL/2021/02
Agent 04

Training & Awareness Beleidsgenerator

AI-powered training and awareness policy generator for Dutch financial institutions. Generate complete, Wwft-compliant training programmes, awareness schedules and policy documents tailored to your organisation's risk profile and regulatory obligations.

Wwft art. 35 DNB Leidraad AML Training Bewustwording Compliance
Live
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What it generates
Training programmes
  • Wwft training policy (Wwft art. 35)
  • Role-based awareness schedules
  • AML/CTF training content outlines
  • Onboarding compliance modules
  • Annual refresh programme plans
  • DNB Maturity Model aligned content
How it works
Tailored generation
  • Answer organisation-specific questions
  • AI generates bespoke policy in NL or EN
  • Aligned to your institution's risk profile
  • Covers 1st, 2nd and 3rd line of defence
  • Includes KPIs and review cycles
  • Export as Word-ready document
Regulatory grounding
DNB aligned
  • Wwft art. 35 training obligations
  • DNB Leidraad TM §5.6 training requirements
  • EBA Guidelines on internal governance
  • FATF Recommendation 18
  • Bpr art. 10 documentation requirements
  • FIU-NL typology awareness
Ready to use
Launch the agent directly — no login required.
● TRAINING & AWARENESS BELEIDSGENERATOR — LIVE
Regulatory grounding
Wwft art. 35 — Opleidingsplicht DNB Leidraad TM §5.6 Bpr art. 10 EBA Guidelines Internal Governance FATF Recommendation 18 FIU-Nederland typologieën
Agent 05

Country Risk Monitor

Live country-risk dossier for every jurisdiction on Earth, fusing six authoritative sources into one verdict per country: EU Sanctions Map, FATF Black & Grey lists, Transparency International CPI 2025, Basel AML Index 2025, EU Tax Annex I (non-cooperative jurisdictions), and EU AML High-Risk Third Countries. Mapped to AMLR Article 29 and Wwft risk-based obligations.

AMLR art. 29 Wwft art. 8 FATF EU Sanctions Risk-Based Approach
Live
🌍
What it monitors
Six authoritative sources
  • EU Sanctions Map (geographic regimes)
  • FATF Black & Grey lists
  • Transparency Int'l CPI 2025
  • Basel AML Index 2025
  • EU Tax Non-Cooperative (Annex I)
  • EU AML High-Risk Third Countries
How it works
One verdict per country
  • Highest score across sources wins
  • Low / Medium / High / Unacceptable
  • Filter by region or risk level
  • Search by country or ISO code
  • Per-source breakdown per jurisdiction
  • Live refresh via Claude web search
Operational use
EDD & risk classification
  • Trigger Article 28 EDD on High verdict
  • Article 23 countermeasures on Unacceptable
  • Document rationale in BWRA
  • Periodic re-screening of country files
  • Senior management approval evidence
  • Aligned to DNB Risk-Based Approach
Ready to use
Launch the agent directly — no login required.
● COUNTRY RISK MONITOR — LIVE
Regulatory grounding
Wwft art. 8 — risicobeleid AMLR art. 29 — High-Risk Third Countries AMLR art. 28 — Enhanced Due Diligence AMLR art. 23 — Countermeasures FATF Black & Grey lists EU Sanctions Map CPI 2025 / Basel AML Index 2025 DNB Leidraad Risk-Based Approach
Agent 06

Legal Analyzer

Article-by-article impact analysis of EU and Dutch financial regulation. Upload a directive, regulation, RTS or guideline — or paste a URL — and receive a sector-specific impact assessment for payment institutions, with concrete actions and deadlines per article. Optimised for AMLR, PSD3/PSR, DORA, MiCA, EBA Guidelines and DNB Q&A.

AMLR / PSD3 DORA MiCA EBA Guidelines DNB Q&A
Live
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What it analyses
EU & Dutch financial law
  • Directives, regulations & RTS
  • EBA Guidelines & Q&A
  • DNB beleidsregels & leidraden
  • AFM publicaties
  • FATF Recommendations
  • EU Council positions
How it works
Upload, paste, or URL
  • Upload PDF / DOCX / TXT
  • Paste a URL to a legal source
  • Choose institution type (PI / EMI / bank)
  • Optional focus area (e.g. CDD, ICT-risk)
  • NL or EN output
  • Article-by-article structured response
Output per article
Actionable, dated, sourced
  • Plain-language summary
  • Sector-specific impact
  • Concrete operational actions
  • Implementation deadlines
  • Cross-references to related rules
  • Open questions for senior mgmt
Ready to use
Launch the agent directly — no login required.
● LEGAL ANALYZER — LIVE
Regulatory grounding
AMLR / Wwft PSD3 / PSR DORA — ICT-risico MiCA — crypto EBA Guidelines DNB Q&A & leidraden AFM publicaties FATF Recommendations
Agent 07

Beloningsbeleid Scanner

Direct AFM-compliance check op het beheerst beloningsbeleid van een Nederlandse financiële instelling. Geef een website-URL — of plak het beleid — en ontvang een gestructureerde toets op publicatieplicht, malus & clawback, koppeling aan duurzaamheidsrisico's (SFDR Art. 5), governance, bonusplafond en de overige minimale eisen. Geoptimaliseerd voor PI's, EMI's, banken, beleggingsondernemingen en verzekeraars.

Wft hfdst. 1.7 Rbb 2021 SFDR Art. 5 EBA Guidelines AFM toezicht
Live
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Wat het toetst
12 kernpunten beheerst beloningsbeleid
  • Publicatieplicht (website / Pillar 3)
  • Verhouding vast/variabel
  • Bonusplafond (NL 20%-norm)
  • Malus & clawback-procedures
  • SFDR-koppeling duurzaamheid
  • Beloning controlefuncties
  • Governance & goedkeuring
  • Vertrekvergoedingen
Hoe het werkt
URL of geplakte tekst
  • Voer een website-URL in (bijv. degiro.nl)
  • Of plak het volledige beleid
  • Of upload een tekstbestand
  • Kies type instelling (PI / EMI / bank / etc.)
  • Web search via Claude voor publieke bronnen
  • Resultaat in 30–60 seconden
Output per bevinding
RAG-status, observatie, advies
  • Overall score 0–100 + RAG-status
  • 7–12 findings met regulatory basis
  • Concrete observatie per onderwerp
  • Geprioriteerd actieplan
  • Lijst van ontbrekende elementen
  • Executive summary in NL
Ready to use
Launch the agent directly — no login required.
● BELONINGSBELEID SCANNER — LIVE
Regulatory grounding
Wft hoofdstuk 1.7 Rbb 2021 Bonusplafond NL 20% Identified Staff / MRT Malus & clawback SFDR Artikel 5 EBA Sound Remuneration AFM publicatieplicht
In Development

More agents on the way.

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Agent 08

KYC / CDD Automation

End-to-end client due diligence from UBO identification to risk scoring — cutting onboarding from days to minutes within a DNB-approved framework.