Regulatory intelligence. Built on authoritative sources.
complyAI is an AI-powered compliance platform being built to transform complex regulatory requirements into clear, actionable intelligence, grounded in primary regulatory source material and built by professionals who understand how regulation works from the inside.
The compliance challenge.
Financial institutions face a growing volume of regulatory requirements: rulebooks, guidance, circulars, supervisory statements, that must be understood, interpreted and implemented across the business. The cost of getting it wrong is significant.
Most compliance tools either surface raw regulatory text without interpretation, or provide generic AI responses that cannot be traced to authoritative sources. complyAI is different: every answer is grounded in primary regulatory material, with full source traceability.
The cost of non-compliance
Getting it wrong has real consequences.
Regulatory non-compliance in financial services is not an abstract risk. It carries direct financial, operational and reputational consequences. The following reflects the documented experience of regulated institutions in the UAE and comparable markets.
Financial penalties
The CBUAE has the authority to impose administrative sanctions, financial penalties and licence conditions on regulated institutions. Penalties for AML/CFT failures in the UAE have reached into the hundreds of millions of dirhams for significant breaches.
Regulatory action
Beyond financial penalties, regulators can impose restrictions on business activities, require remediation programmes, mandate independent reviews, and in serious cases suspend or revoke licences.
Reputational damage
Enforcement actions are public. For financial institutions, a published regulatory finding affects relationships with counterparties, correspondent banks, investors and clients in ways that outlast the penalty itself.
Management accountability
UAE regulatory frameworks place direct accountability on senior management and approved persons. Individual liability for compliance failures is a feature of the regulatory environment, not an edge case.
Why failures happen
Misreading or misinterpreting regulatory requirements due to the volume and complexity of the rulebook
Gaps between internal policies and what the regulator actually requires, undetected until examination
Failure to identify and implement regulatory changes in time
Reliance on informal or undocumented interpretations that cannot be defended under scrutiny
These are not failures of intent. They are failures of information: institutions that did not have a clear, accurate and traceable understanding of what the regulator required.
Platform capabilities
What complyAI does.
Regulatory Q&A
Ask plain-language questions about your regulatory obligations and receive precise, source-referenced answers drawn from the authoritative regulatory corpus, not generic AI responses.
Gap assessment
Assess your institution's compliance position against specific regulatory requirements. Identify gaps between your current policies, procedures and controls and what the regulator expects.
Policy mapping
Map your internal policies and procedures to the relevant regulatory requirements. Understand which rules each policy addresses and which requirements are not yet covered.
Obligation extraction
Extract specific obligations from regulatory text: what your institution must do, must not do, and must be able to demonstrate, structured for practical compliance use.
Regulatory change tracking
Monitor changes to the regulatory framework and understand their implications for your compliance programme. Know what has changed and what it means for your institution.
Source traceability
Every answer, assessment and output includes a traceable reference to the primary regulatory source: rulebook, guidance, circular or supervisory statement, so you can verify and rely on the output.
How it works
From regulatory text to actionable intelligence.
Four stages transform raw regulatory text into structured, actionable compliance intelligence.
Regulatory corpus ingestion
complyAI ingests the authoritative regulatory corpus: CBUAE rulebooks, guidance, circulars and supervisory statements, and structures it for precise retrieval and interpretation.
Expert-guided AI
The AI is guided by regulatory expertise built into the system, not just language model capability. The interpretation layer reflects how regulation is actually read and applied by regulators and regulated firms.
Source-grounded responses
Every output is anchored to the specific regulatory provision it draws from. You can see exactly which rule, guidance or circular underpins each answer or assessment.
Actionable output
Results are structured for practical use, not raw text extracts. Gap assessments, obligation lists and policy mappings are formatted for compliance teams to act on directly.
Every stage is grounded in authoritative regulatory source material. No inference without a traceable source.
See it in actionRegulatory accuracy
Why source traceability matters.
Generic AI tools can produce plausible-sounding regulatory answers that are wrong, outdated or untraceable. In a regulated environment, that is not good enough. complyAI is being built on a different principle: every output must be traceable to an authoritative source.
Primary sources only
complyAI draws from primary regulatory material: the actual rulebooks, guidance and circulars issued by the regulator, not secondary summaries or third-party commentary.
Regulatory hierarchy awareness
The system understands the hierarchy of regulatory sources: primary legislation, rulebooks, guidance, supervisory statements, and weights them accordingly in its outputs.
No hallucination tolerance
Where the regulatory corpus does not contain a clear answer, complyAI says so, rather than generating a confident but unsupported response.
Built by regulatory insiders
The interpretation layer is informed by direct experience inside financial regulatory institutions, including the UK regulatory system and the CBUAE.
Use cases
Built for the compliance function.
Chief Compliance Officer
Understand the full scope of your regulatory obligations under the CBUAE framework and assess your institution's overall compliance position.
MLRO / AML team
Extract specific AML/CFT obligations, map them to your policies and controls, and identify gaps against the regulatory requirements.
Risk & regulatory affairs
Track regulatory change, assess the implications of new requirements, and maintain an up-to-date view of your regulatory obligations.
Internal audit
Use complyAI to scope regulatory audits, identify the applicable requirements, and structure your testing against what the regulator actually expects.
Legal & compliance counsel
Research specific regulatory provisions, understand how they interact, and produce traceable analysis grounded in primary regulatory sources.
Board & senior management
Obtain clear, plain-language summaries of regulatory obligations and compliance position, with the source references to support board-level accountability.
Regulatory coverage
UAE-first. Built for the CBUAE framework.
complyAI is being built with deep knowledge of the UAE financial regulatory environment: the Central Bank of the UAE regulatory framework, its rulebooks, guidance and supervisory approach. This is not a generic global compliance tool adapted for the UAE. It is being built from the ground up for the UAE market.
CBUAE Rulebooks
The full suite of CBUAE prudential and conduct rulebooks for licensed financial institutions
AML/CFT Framework
UAE anti-money laundering and counter-financing of terrorism regulatory requirements
CBUAE Guidance & Circulars
Supervisory guidance, circulars and notices issued by the Central Bank of the UAE
UAE Federal Legislation
Relevant UAE federal laws and decrees underpinning the financial regulatory framework
Early Access Programme
Work with us before launch.
Lombard is working with a limited group of financial institutions ahead of the complyAI launch. Early access partners help shape the platform and gain first access to complyAI as it develops.
Places in the early access programme are limited. Institutions are assessed for fit and onboarded on a rolling basis.
Private preview
A small group of institutions working directly with the Lombard team to test core capabilities and provide structured feedback.
Early access partners
Qualified institutions onboarded ahead of general availability, with direct input into platform development priorities.
General availability
complyAI made available to regulated financial institutions across the UAE and wider markets.