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Why We’re Ahead in the U.S.

Most competitors fall into two categories:

• Legacy vendors (Oracle, NICE Actimize, LexisNexis): slow, costly to implement, built on outdated tech.

• New entrants (Unit21, Alloy, SEON): agile but limited — offering narrow tools without enterprise-wide coverage.

ComplyIQ™ is different

• API-First from Day One

  • Full integration in 4–6 weeks, compared to 6–9 months for legacy solutions.

  • Modular design so banks can adopt only the components they need (AML, KYC, sanctions, reporting).

• AI-Driven Accuracy

  • Proprietary contextual risk models reduce false positives by 70–85%, cutting compliance workload by tens of thousands of alerts monthly.

  • Adverse media scanning powered by NLP, covering 10,000+ U.S. and global sources in seconds.

• Compliance-By-Design

  • Native coverage of OFAC, FinCEN, BSA, and SEC frameworks.

  • Automated regulatory change management to keep institutions perpetually aligned with evolving U.S. rules.

• Enterprise-Grade Scale

  • Capable of processing millions of transactions per second across banking and payments.

  • Multi-cloud deployment with 99.5% uptime SLAs, ensuring resilience across U.S. regulatory geographies.

This makes ComplyIQ™ 2–3 years ahead of both legacy incumbents and niche startups in the U.S. compliance market.

The U.S. Compliance Crisis

• Massive Spending: Large U.S. banks spend $200M+ annually on compliance operations.

• Escalating Penalties: In 2024, AML fines totaled $4.6B globally, with TD Bank fined $3.09B — one of the largest penalties in history.

• Regulator Pressure: FinCEN, OFAC, and the SEC are intensifying modernization demands, particularly around KYC, AML, and suspicious activity reporting (SAR).

• Boardroom Problem: Compliance is now a C-suite and board-level issue, consuming more than 40% of senior management’s time.

Institutions can no longer afford inefficient systems. ComplyIQ™ is the upgrade the U.S. financial system needs.

Case Study – Mid-Sized U.S. Regional Bank (Pilot 2024–2025)

Profile

• $12B asset U.S. regional bank.

• Compliance costs consuming 8.7% of operating expenses.

• Overwhelmed by false positives (40,000+ manual alerts/month).

Deployment

• Activated modules: AML monitoring, KYC onboarding, sanctions & PEP screening.

• API integration completed in 5 weeks.

• Compliance staff trained in 10 days.

Results (First 6 Months)

• False positives reduced by 74%.

• Reporting cycle reduced from 12 days → 2 days.

• Compliance headcount cut by 22 FTEs, saving $4.1M annually.

• Passed a regulator examination with zero deficiencies using ComplyIQ™’s auto-generated audit trails.

Roadmap for the U.S.

• Commercial Launch (2025): Focused on Tier 1 and Tier 2 U.S. banks.

• Government Expansion: Active discussions to deploy ComplyIQ™ as part of national compliance modernization programs.

• Strategic Partnerships: Deloitte, PwC, and Microsoft Azure to support large-scale integrations.

Why the U.S. Is Our Core Market

The United States is the largest, most compliance-intensive market in the world:

• Highest annual spend.

• Largest fines.

• Strongest enforcement culture.

ComplyIQ™ has been built with America’s regulatory system at its core — and is positioned to become the standard infrastructure layer for compliance modernization across the country.

The Goldmine

The U.S. compliance technology market is expanding rapidly, with demand driven by regulatory enforcement, digital transformation, and the explosion of fintech and crypto activity.

• The RegTech market is expected to grow to $100B+ globally by 2030, with the U.S. as the single largest contributor.

• ComplyIQ™ is positioned to capture a leadership role in the U.S., delivering cost savings, regulatory defensibility, and AI-driven efficiency unmatched in the current market.

After five years of development, pilot testing, and regulator recognition, ComplyIQ™ is ready to become the compliance infrastructure of the U.S. financial system.