Agentic AI Compliance Oversight for Banks
Agentic AI workflows help banks manage complex regulatory requirements while scaling operations across global markets. Capture communications across all channels, detect financial crime and misconduct risks, and maintain audit-ready records — supporting OCC, FDIC, SEC, FINRA, FCA, PSD2, and global banking regulations.
The world’s top banks trust smarsh
Smarsh partners with 18 of the top 20 largest banks globally, plus 6,500+ organizations, to stay ahead of mission-critical recordkeeping and oversight challenges across diverse, highly regulated business lines. Our agentic AI platform captures, archives, and analyzes communications from all channels for efficient supervision, discovery, and regulatory response — across retail, corporate, investment, and private banking operations worldwide.
Communications intelligence for your entire organization
Leave behind the point solutions with a platform that scales seamlessly — from one person juggling multiple roles to a growing advisory team that needs fast, seamless onboarding. Support RIAs, IFAs, wealth managers, and independent financial advisers with unified communications oversight.
Compliance and records managers
Access all your communications records in one unified location to quickly respond to regulatory requests, internal investigations, and audits. Support OCC, FDIC, FCA, and PSD2 recordkeeping obligations seamlessly.
Supervision and surveillance reviewers
Reduce review workloads by 50% or more and surface three to five times more critical risks with agentic AI designed to emulate real-world compliance analyst review. Detect market abuse, misconduct, and financial crime patterns automatically.
Attorneys, clerks, and legal staff
Integrate and synchronize data across all your systems using secure APIs, creating a scalable foundation for end-to-end discovery that adapts to evolving regulatory and legal requirements across multiple jurisdictions.
CTOs, CIOs, and IT staff
Improve archive performance and accessibility with a cloud-native solution that processes data quickly and effectively, retains unaltered communications in full context, and provides on-demand access to data. Meet GDPR data residency and security requirements.
CDOs and data scientists
Leverage your communications data to drive smarter decisions, ensure compliance, and spur innovation. Gain secure, scalable API access to high-fidelity data to improve analytics, risk detection, and business insights across the enterprise.
Compliance and oversight leadership
Gain real-time visibility into compliance status, supervisory procedures, and regulatory risk across all business lines. Demonstrate control effectiveness to regulators globally and streamline regulatory examinations.
Compliance solutions for all banking types
High street banking | Retail banking | Corporate banking | Customer credit | Wholesale banking | Capital markets | Payment processing | Building society | Mutual benefit | Credit unions
Meet your compliance needs, today and tomorrow
Move from outdated, redundant data archives to an AI-driven data insights platform built for banking.
Agentic AI supervision
Customize supervision policies and let agentic workflows automate Level 1 review, surface anomalies, and detect misconduct patterns. Scale supervision across complex, multi-line banking operations without proportional cost increases.
Global regulatory compliance
Address regional and international records retention, risk, and operations requirements across US (OCC, FDIC, SEC, FINRA), EMEA (FCA, PSD2, GDPR, ECB), and other global banking regulations.
Flexible deployments
Support legal and compliance requirements across diverse business lines — retail banking, corporate banking, investment banking, payments processing, and more — with unified communications oversight.
Scale supervision and surveillance
Mitigate risk, improve efficiency, and reduce costs with a cloud-based agentic platform using built-in AI models created in partnership with the banking industry.
Accelerate cloud archiving
Process data faster and more effectively than on-premise archives with a streamlined, AI-enabled, scalable cloud solution. Reduce infrastructure costs while improving data accessibility.
Data privacy and security controls
Respond to evolving global data privacy mandates with rapid cloud deployment in multiple regions. Meet GDPR, PSD2, FCA, and ECB data residency, security, and encryption requirements with confidence.Key regulations
Simplify compliance across federal, state, and international banking regulations.
OCC Supervision and Examination
Requires banks to maintain records of communications, supervisory procedures, and risk management controls. Demonstrate effective internal controls and compliance to OCC examiners.
FDIC Recordkeeping Requirements
Requires banks to maintain, preserve, and provide access to records demonstrating compliance with banking laws and regulations.
SEC & FINRA Requirements (for investment banking/capital markets divisions)
Requires firms to capture, archive, and supervise communications for trading, sales, research, and advisory activities. Comply with SEC 17a-3, 17a-4 and FINRA rules.
CFPB Consumer Protection Rules
Requires banks to maintain records and demonstrate fair treatment of consumers under Regulation B (Equal Credit Opportunity), Regulation Z (Truth in Lending), and Regulation DD (Truth in Savings).
PSD2 (Payment Services Directive II)
Requires payment service providers to record and retain all payment communications, customer interactions, and transaction records. Maintain audit trails and demonstrate strong customer authentication (SCA).
GDPR (General Data Protection Regulation)
Requires banks to protect personal data securely, document processing activities, respond to data subject requests, and conduct Data Protection Impact Assessments (DPIA) for high-risk processing.
FCA Supervision and Banking Conduct Rules
Requires banks to establish supervisory procedures, monitor communications for misconduct, maintain audit trails, and demonstrate fair treatment of customers. Comply with Treating Customers Fairly (TCF) obligations.
FCA Senior Managers Regime (SMR)
Requires senior managers to take responsibility for compliance and to maintain evidence of supervisory and compliance controls.
UK FCA Communications Rules
Requires clear, fair, and non-misleading communications with customers, with retention of all communications in tamper-proof formats.
ECB Banking Supervision Rules
Requires banks to maintain robust internal controls, risk management processes, and evidence of supervisory effectiveness for ECB-supervised institutions.
Anti-Money Laundering (AML) and Know Your Customer (KYC)
Requires banks to monitor communications for suspicious activities, maintain customer due diligence records, and report suspicious transaction activity across global banking networks.
Smarter oversight for modern banking
Capture
Capture all communications
Capture data from all channels — email, messaging, social, mobile, voice, web — in original format. Archived content is indexed and searchable to meet regulatory obligations.
Archive
Store data, compliantly
Captured data is sent to your systems or Smarsh Archive, offering flexible deployment options and customizable retention policies tailored to your business needs.
Surveillance
Supervision that scales with you
Cut through noise and surface more risk with AI-driven supervision built for complex, high-volume environments. Empower your teams to act quickly, accurately, and confidently.
Discovery
Save discovery time
Litigation and investigations demand quick action. Streamlined discovery makes collecting, preserving, reviewing, and exporting content fast and efficient, reducing risk and costs.
Why Smarsh?
Trusted by 6,500+ organizations, including 18 of the top 20 largest banks in the world, Smarsh empowers banks to meet complex regulatory demands with confidence. Our secure, scalable platform combines leading AI with capture across all your communication channels for faster business insights and precise compliance. Built to support the scale and scrutiny banks require, Smarsh turns your communications data into a strategic asset — helping you reduce risk, streamline operations, and stay ahead of change.