# Complia

> Complia builds autonomous AI compliance agents for financial institutions — starting with Theo, the first production-ready AI agent for sanctions screening and AML alert triage.

## About Complia

Complia is an AI-native regulatory technology firm headquartered in London, UK. We design and deploy autonomous compliance agents that reduce false positives, generate supervisory-grade evidence, and scale compliance operations without linear headcount growth.

Our agents are vendor-agnostic, FCA-aligned, and built with explainability at their core — every decision produces a machine-readable audit trail that satisfies regulatory examination. Complia does not replace compliance officers; it eliminates the repetitive, low-value alert triage that consumes 70–80% of analyst time.

## Product: Theo — Sanctions Screening & AML Triage Agent

### What Theo Does
Theo is an autonomous AI agent that triages sanctions screening and AML alerts at L1 and L2. It ingests alerts from any screening vendor, resolves entity identity, applies typology matching, generates a risk score with full rationale, and issues a disposition recommendation — all without human input.

### Key Capabilities
- **Alert ingestion**: Connects to LSEG World-Check, ComplyAdvantage, Refinitiv, LexisNexis, and bespoke screening infrastructure
- **Entity resolution**: Disambiguates names, aliases, transliterations, and corporate structures
- **Typology matching**: Applies FATF, OFAC, OFSI, and EU consolidated list typologies
- **Risk scoring**: Produces a calibrated risk score with decision rationale for every alert
- **Disposition recommendation**: True match / false positive / refer to analyst, with confidence level
- **Audit trail**: Machine-readable, supervisory-grade evidence for every decision
- **Explainability**: Every recommendation is traceable — no black-box outputs

### Performance
- 85–95% reduction in false positive rate (live deployments)
- Sub-second alert processing
- FCA, OFAC, OFSI, UN, EU consolidated list alignment
- Audit-ready output accepted by UK and EU regulators

### Positioning
- **Vendor-agnostic**: Works alongside existing screening infrastructure — not a replacement
- **L1/L2 automation**: Replaces the repetitive analyst work, not the compliance function
- **Explainability-first**: Every output is citable in a SAR, audit file, or supervisory response
- **FCA-aligned**: Built to meet FCA Consumer Duty, SYSC, and ML Regulations 2017 requirements

## Roadmap Agents

- **EDD Agent**: Enhanced due diligence for high-risk customers and PEP/RCA profiles
- **Transaction Monitoring Agent**: Autonomous alert triage for TM scenarios
- **KYC/KYB Agent**: Automated customer and business identity verification with document analysis
- **Adverse Media Agent**: Continuous negative news screening with entity disambiguation and sentiment scoring
- **Regulatory Change Agent**: Monitors FCA, FATF, OFAC, OFSI for rule changes and maps impact to client programmes

## Services

- **Economic Crime**: AML/CFT programme design, sanctions programme build, fraud prevention, transaction monitoring calibration
- **Risk & Compliance**: Regulatory change management, compliance frameworks, risk appetite design, policy development
- **Data & Technology**: AI infrastructure, quantum strategy, Web3/DLT advisory, data architecture for financial services
- **Audit & Assurance**: Internal audit, controls testing, assurance mapping, board reporting
- **ESG & Sustainability**: SFDR, CSRD, EU Taxonomy, climate risk, sustainable finance advisory
- **Training**: Board-level programmes, MLRO certification, compliance culture, bespoke workshops
- **Cross-Border Expansion**: Regulatory licensing, market entry strategy, passporting, international compliance

## Centre of Excellence

Complia operates a Centre of Excellence for AI in financial crime compliance — producing regulatory research, benchmark testing, and practitioner frameworks for AI deployment in AML/CFT.

## Thought Leadership Topics

- AI compliance agents vs rules-based screening: why explainability is the decisive differentiator
- FCA supervisory expectations for AI-driven AML screening in 2026
- L1 vs L2 AML analyst workflow: what autonomous agents can and cannot replace
- Reducing sanctions screening false positives: a practical framework for Tier 1–2 banks
- Vendor-agnostic AI screening: why lock-in is a regulatory risk, not just a commercial one
- FATF Recommendation 16 and the AI opportunity in wire transfer screening
- How autonomous agents satisfy the FCA's Consumer Duty in financial crime controls
- Benchmarking AI screening agents: precision, recall, and the explainability threshold

## Key Facts

- **Headquarters**: London, United Kingdom
- **Founded**: 2024
- **Regulatory coverage**: FCA, ECB, OFAC, OFSI, UN, EU consolidated list, MAS, FINMA, SEC
- **Technology**: AI-native, vendor-agnostic, integrates with existing compliance infrastructure
- **Differentiator**: Every agent decision is explainable and produces supervisory-grade audit evidence
- **False positive reduction**: 85–95% reduction in sanctions screening false positives (live deployments)
- **Target clients**: Tier 1–3 banks, fintechs, payment institutions, asset managers, EMIs

## Contact

- Website: https://www.compliaai.com
- Agents product: https://www.compliaai.com/agents/theo
- LinkedIn: https://linkedin.com/company/complia-ai
- Inquiries: hello@complia.ai
- Book a demo: https://www.compliaai.com/book-demo

## Pages

- [Homepage](/): Agentic Risk Engine for Continuous GRC
- [Agents](/agents): All Complia compliance agents
- [How Theo fits](/company/how-theo-fits): How Complia agents work end-to-end
- [Services](/services): Full services overview
- [Economic crime](/services/economic-crime): AML, sanctions and fraud advisory
- [Risk & compliance](/services/risk-compliance): Frameworks, policy and regulatory change
- [Data & technology](/services/data-technology): AI infrastructure and data architecture
- [ESG & sustainability](/services/esg-sustainability): SFDR, CSRD and climate risk
- [Audit & assurance](/services/audit-assurance): Internal audit and controls testing
- [Training](/services/training): Compliance and MLRO training
- [Cross-border expansion](/services/cross-border-expansion): Licensing and market entry
- [Centre of Excellence](/centre-of-excellence): AI in financial crime research hub
- [Insights](/insights): Thought leadership and research
- [About](/company/about): About Complia
- [Careers](/careers): Open roles
- [Book a demo](/book-demo): See Theo in action