Kobalt Labs

What is Kobalt Labs?

Kobalt Labs is a comprehensive compliance and risk management platform built specifically for financial institutions and fintechs. The platform automates the time-consuming processes of vendor due diligence, regulatory gap identification, and risk assessment through intelligent document analysis and continuous monitoring. By synchronizing with current financial regulations and synthesizing internal policies, Kobalt automatically surfaces compliance gaps, identifies third-party risks, and generates audit-ready documentation. The platform combines multiple analytical modules—including regulatory compliance checking, information security assessment, legal agreement analysis, and ongoing vendor monitoring—into a unified workflow. Rather than relying on manual document review and questionnaires that consume weeks of compliance team effort, Kobalt delivers comprehensive risk assessments in minutes while maintaining strict data privacy and security standards.

Key Features

• Automated Regulatory Gap Identification

  Synchronizes with all relevant financial regulations in real-time and automatically scans vendor documentation to identify missing controls, compliance gaps, and regulatory misalignments against current and evolving standards.

• Intelligent Document Analysis

  Processes thousands of pages of vendor documentation, contracts, and policies to extract critical risk indicators, compliance requirements, and control evidence with built-in transparency for human verification.

• Third-Party Due Diligence Automation

  Streamlines the entire onboarding process by automatically pre-filling questionnaires, generating risk assessments, identifying beneficial ownership information, scanning for negative news and enforcement actions, and producing follow-up reports.

• Legal and Infosecurity Module

  Extracts security information from vendor documentation, identifies missing contract clauses, flags risky agreement language, and surfaces information security gaps relevant to regulatory requirements.

• Continuous Monitoring and Relationship Management

  Maintains ongoing oversight of third-party relationships by tracking regulatory changes, monitoring for enforcement actions and adverse events, and automatically alerting compliance teams to emerging risks.

• Multi-Model Architecture

  Utilizes a cascade of language models optimized for speed and accuracy, ensuring rapid processing without compromising analytical precision or regulatory compliance verification.

Use Cases

• Vendor Third-Party Risk Management (TPRM) : Banks and fintechs can compress their vendor onboarding and assessment timelines from weeks to days, reducing documentation review time from multiple days per vendor to 15 minutes while improving accuracy and identifying risks that might otherwise be missed.
• Regulatory Compliance Scaling : Financial institutions can expand their vendor partnerships and fintech partnerships without proportionally increasing compliance headcount, as the platform automates the identification of regulatory gaps and control verification across expanding partner networks.
• Internal Audit and Policy Review : Compliance and risk teams can conduct comprehensive reviews of internal policies, procedures, and marketing collateral against evolving regulatory standards, ensuring organizational alignment with current financial regulations.
• Ongoing Risk Monitoring : Establish continuous monitoring of third-party relationships through automated tracking of regulatory changes, enforcement actions, and negative news, enabling proactive risk identification and mitigation.
• Compliance Questionnaire Management : Automatically pre-fill vendor questionnaires and risk assessments with evidence from submitted documentation, reducing manual data entry and response time while improving consistency and accuracy.

FAQs