Product and control change review
Map proposed features, geographies, funds flows, and vendors to obligations and approvals.
product specfunds flowcontrol designapproval
Product-to-permission intelligence
Design products, controls, licenses, and partner oversight as one living system.
Connect product changes to licensing, bank-partner obligations, consumer compliance, complaints, BSA/AML, state reporting, and regulator examination evidence.
One governed operating record
✓ Faster compliant launches✓ Reusable license evidence✓ Visible partner obligations✓ Continuous examination readinessRole-specific execution
Workflows that become examination proof.
People do their actual work in Smarter. Approved outcomes, evidence receipts, and requirement status synchronize into Vigil without duplicating files or exposing restricted content.
Licensing and registration factory
Reuse canonical facts and controlled documents across states while preserving exact deltas.
company dataownershipfinancialsprograms
Shared intelligence fabric
Every useful action improves the system—inside constitutional boundaries.
Only reviewed control outcomes and de-identified workflow telemetry may improve shared models; product secrets remain private.
Raw work product stays privateNo employee performance scoringMinimum cohort and human approvalNo automated regulatory decisions
SmarterFintech teams
Vigil examination bridge
Operational actions become requirement-level evidence.
- ✓NMLS/state licensingAuthority · task · evidence · result · receipt
- ✓CFPB supervisionAuthority · task · evidence · result · receipt
- ✓FinCEN and BSA/AMLAuthority · task · evidence · result · receipt
- ✓Bank partner oversightAuthority · task · evidence · result · receipt
Smarter × Vigil