Incedo Kratos – AI Regulatory Controls Platform for Banks

Modernize Banking Regulatory Controls with AI-Powered Governance

Incedo Kratos is an AI-powered regulatory controls and compliance automation platform built for banks and financial institutions. Designed on AWS, the platform helps organizations modernize fragmented and manual regulatory control processes into a scalable, governed, and auditable enterprise operating model.

The platform unifies the complete controls lifecycle — including discovery, authoring, validation, approvals, execution, monitoring, and governance — within a centralized environment. Kratos supports regulatory initiatives including FDIC 370, AML/BSA, SOX, CFPB, Dodd-Frank, enterprise risk governance, financial data controls, and audit readiness programs.

Why Regulatory Controls Modernization Matters

Many banks continue to manage regulatory controls through disconnected spreadsheets, legacy SQL or SAS scripts, siloed workflows, manual approvals, and incomplete documentation. These fragmented processes create operational inefficiencies, reduce governance visibility, slow remediation cycles, and increase compliance and audit risk.

Common challenges include:

• High audit and examination risk
• Increased likelihood of MRA findings
• Slow investigations and remediation cycles
• Manual control testing and approvals
• Limited governance visibility across teams
• Difficulty adapting to evolving regulations
• Inconsistent controls management processes
• Limited traceability and audit evidence visibility

How the Platform Creates Value

Kratos uses AI-driven discovery, intelligent control authoring, automated validation, and workflow-based governance to industrialize regulatory controls management across banking environments.

The platform maps regulatory obligations to enterprise data requirements, accelerates control creation, validates business logic before deployment, and governs changes through auditable workflows. Kratos integrates with enterprise data platforms, metadata catalogs, governance systems, workflow tools, and modern cloud environments to deliver end-to-end compliance visibility and operational control.

Key capabilities include:

• AI-assisted control authoring and governance workflows
• Automated controls validation and approval management
• Regulatory mapping and traceability management
• Audit evidence management and compliance reporting
• Governance dashboards and operational analytics
• Enterprise controls lifecycle management
• AI-powered compliance intelligence and impact analysis
• Root cause analysis and remediation support
• Workflow-driven approvals and governance orchestration
• Integration with enterprise governance and risk platforms
• Regulatory controls standardization across business units
• Financial data controls and governance automation

AWS-Native and AI Capabilities

Built on AWS, Kratos leverages AWS-native analytics, AI, storage, and governance services including:

• Amazon Bedrock for AI-assisted authoring, impact analysis, and compliance intelligence
• Amazon SageMaker for predictive analytics and controls intelligence
• Amazon S3 for evidence management and audit artifacts
• AWS Glue for data preparation and integration
• Amazon Redshift for analytics and regulatory reporting
• Amazon QuickSight for governance dashboards and compliance visibility

The platform enables scalable regulatory controls automation through AI-powered workflows, operational intelligence, governed automation, and centralized compliance visibility across enterprise banking environments.

Common Use Cases

• FDIC 370 controls automation
• AML/BSA controls governance
• SOX compliance operations
• Regulatory evidence management
• Enterprise controls lifecycle management
• Audit readiness automation
• Regulatory risk management
• Governance workflow modernization
• Financial data controls governance
• Compliance reporting and operational visibility

Business Impact

Organizations using Kratos can reduce control authoring effort, improve compliance accuracy, accelerate investigations, strengthen audit readiness, improve governance visibility, and modernize enterprise regulatory controls management. The platform provides a scalable governance foundation that supports FDIC 370, AML/BSA, SOX, CFPB, Dodd-Frank, and future regulatory compliance initiatives across banking and financial services organizations.