Compliance teams spend much of their time working with information that already exists in their systems. An analyst may need to review an applicant's history, understand why a check failed, investigate an AML alert, prepare a report, or find the right configuration for a new market.
The work is necessary, but much of it is repetitive. It also spans dashboards, spreadsheets, documentation, and different technical tools.
AI can take over some of this work, but regulated businesses cannot treat AI as a black box. Teams still need to know what data an AI system can access, what it has done, and where a human needs to make the final decision.
Sumsub's AI solutions put AI into the compliance workflow without removing those controls. Teams can use Summy AI Copilot inside the Sumsub dashboard, connect their own AI agents through the Sumsub MCP Server, or use Sumsub Agent Skills to turn policies and requirements into proposed compliance configurations.
Why compliance teams are turning to AI
Compliance operations generate large amounts of data. Every verification creates information about an applicant, the checks performed, their results, and the reason for the final decision. Transaction monitoring and AML processes add another layer of alerts, rules, and investigation records.
Finding the relevant information can take longer than making the actual decision.
A compliance officer investigating an alert will need to move between several screens to understand what happened. A manager looking for operational data may need help from an analytics team. Setting up a new verification flow can require someone to translate a compliance requirement into technical configuration.
AI can reduce this manual work by working directly with the data and workflows teams already use.
The important part is where the AI helps. When it has access to the same governed data as the compliance team, it can answer questions, summarize cases, produce insights, and help with configuration without creating another data silo.
Sumsub's approach is built around this model: human-led and AI-assisted compliance using the same governed infrastructure.
How to choose the right AI-powered solution
AI can help at several stages of the compliance process, from understanding individual cases to configuring the systems that handle them.
1. Fast case investigation
Look for AI that can work with the information compliance teams already use when reviewing a case. It should help analysts understand applicant statuses, rejection reasons, fraud signals, AML alerts, and other relevant risk information without requiring them to search through multiple systems manually.
2. Workflow and rule configuration
Opt for solutions that can turn plain-language requirements into proposed KYC workflows, AML rules, verification logic, or approval criteria. The output should be clear enough for a compliance professional to review rather than requiring them to translate AI-generated suggestions into technical configurations themselves.
3. Natural-language access to operational data
Compliance teams often need answers that are not available in a standard dashboard view.
An AI solution should allow users to ask questions about operational data in plain language and retrieve useful answers without relying on technical teams for every query. The ability to create charts or other visualizations can help teams understand changes in volumes, approval rates, alerts, and other metrics.
4. Compatibility with existing AI tools
Businesses do not necessarily want to replace the AI tools their teams already use.
An AI solution should therefore offer a controlled way for compatible agents to work with compliance data and processes. Access should follow the organization's existing permissions, so users and agents only see the information they are authorized to access.
5. AI-assisted configuration
Compliance policies are often written for people, not software.
A useful solution can translate regulatory requirements and policies into proposed configurations for review. This can help teams set up processes for new markets or update existing workflows without starting from scratch each time.
6. Governance and human oversight
AI used in regulated operations needs clear boundaries.
Before choosing a solution, companies should check whether AI-generated changes require human approval, whether configurations can be tested in a sandbox, how access is controlled, and whether actions are recorded in an audit trail.
What sets Sumsub's AI solutions apart
Sumsub's AI capabilities are built into the same platform that handles identity verification, business verification, fraud prevention, AML screening, and transaction monitoring.
That means the AI can work with the operational data generated by these processes instead of relying on a separate dataset.
Summy works directly inside the Sumsub dashboard. It can:
- Explain applicant statuses and rejection reasons
- Summarize fraud, AML, and risk signals
- Summarize cases and investigations
- Answer questions about compliance operations in ordinary language
- Create charts and visualize operational metrics
- Build and configure KYC flows
- Create and edit Transaction Monitoring rules
The aim here is not to replace compliance professionals. Summy handles information-heavy and repetitive tasks so reviewers can spend more time on decisions that require judgment.
The MCP Server gives compatible AI agents a controlled way to work with Sumsub.
Teams can use various platforms such as ChatGPT, Claude (which both have official connectors for Sumsub), Copilot, or Cursor to query Sumsub data, investigate cases, and work with compliance operations using everyday words. Access follows the user's existing Sumsub permissions.
This also means companies can bring AI into their existing technical environment rather than creating a separate workflow for compliance data.
Agent Skills focus on configuration and implementation.
An AI agent can take a plain-language requirement or policy document and translate it into a proposed Sumsub setup. That can include KYC flows, AML rules, questionnaires, verification logic, and approval settings. Then the changes are generated in a sandbox and clearly marked for human approval.
How clients benefit from Sumsub's AI solutions
HIFI: Building a compliance operation that can scale
HIFI provides infrastructure for financial products built on stablecoins. Its platform operates across multiple blockchain networks and payment rails, so its compliance setup needs to cover different products, markets, and requirements.
HIFI chose Sumsub as a centralized risk management platform rather than building separate systems for each compliance process. Its setup covers KYC, KYB, AML Screening, Transaction Monitoring, Travel Rule, Fraud Prevention, and Case Management.
The company specifically valued the ability to adapt workflows to its operating model rather than being limited to fixed processes.
HIFI has used Sumsub's automation to reduce manual work. Its compliance team has saved hundreds of hours on tasks such as business due diligence and preparing audit-ready reports. Median verification time for user and partner onboarding is around 52 seconds.
The firm managed to:
- Save time for all of their compliance operations
- Reduce manual work significantly through AI automation
- Keep approval rates above 82% while improving verification speed
Arya Demehri
Head of Compliance at HIFI
We’re very happy with the platform. It has saved our compliance team hundreds of hours that would otherwise have been spent on manual work, especially tasks like business due diligence and preparing audit-ready reports.
DCS: Using AI to simplify internal operations
DCS launched DeCard to make stablecoin spending more practical for everyday users. As the company expanded beyond Singapore, its previous verification process became hard to scale, particularly for PoA checks for international applicants.
DCS moved identity verification, address verification, liveness checks, and AML screening into Sumsub's onboarding flow. This helped raise the final approval rate for international users to approximately 85%, with average verification times below six seconds.
With Sumsub, DCS saw improvements in:
- Reducing the risk of fraudulent address documents in manual reviews
- Speed and consistency in approvals, especially in PoA checks
- Operational efficiency in different areas of work
ChunHou Kok
Group General Counsel
Since integrating Sumsub, we’ve seen a clear improvement in our onboarding performance. One pleasant surprise was how much the AI assistant improved our internal operations. It helped simplify routine tasks and made the whole process easier to manage.
Wirex: Bringing risk operations into one view
Wirex runs a global crypto and payments platform and has a risk and compliance team of around 50 people. Before working with Sumsub, the company used several vendors for onboarding and ongoing monitoring, which meant moving between systems and re-entering information when reviewing customer risk.
The company moved its verification, AML screening, transaction monitoring, and fraud monitoring processes to Sumsub. Its Transaction Monitoring setup includes more than 185 rules, while Fraud Monitoring uses behavioral biometric signals to create dynamic user profiles.
Wirex's experience with Sumsub’s AI assistance in a wider compliance environment is clear: when the data needed for a decision is already spread across several processes, bringing it together gives AI tools more context to work with.
Sumsub helped Wirex achieve:
- Median verification time of one second
- Approval rate of 83%
Chet Shah
Chief Executive Officer of Wirex Limited
The platforms we had before worked fine at an individual level, but they didn't work well from a holistic risk management and efficiency point of view. I needed a helicopter view of what was happening, and I simply could not get that from the setup we had.
Results that speak for themselves
AI is most useful in compliance when it removes work without removing accountability.
Summy AI Copilot can help teams investigate cases, understand risk signals, build operational reports, and configure rules. Sumsub's MCP Server extends that access to AI tools teams already use, while Agent Skills take AI into compliance setup and configuration.
The potential impact is straightforward: less time spent searching for information, fewer repetitive configuration tasks, and more capacity for compliance teams to handle the cases that need human judgment.
Summy can deliver up to 3x productivity gains with AI assistance, according to Sumsub's product data and client feedback.
Helena Suska
Head of Customer Success, Authologic
Having real engineering support made a difference, and Sumsub’s AI assistant has actually been useful, pointing us to the right documentation while always offering the option to talk to a human when needed.
AI strategies for compliance and risk teams
The first step is not to automate every compliance decision. Companies first need to identify where teams lose time.
Case investigation, reporting, data analysis, configuration, and documentation are good places to start because they involve large amounts of information and repetitive work. AI can handle much of the preparation while the compliance professional remains responsible for the decision.
The second step is to keep AI connected to governed data. An AI tool working with incomplete information will produce an incomplete answer. When it has access to the relevant applicant, transaction, AML, and case data within the permissions already defined by the organization, its output has more context.
Finally, AI-assisted configuration needs the same discipline as any other compliance change. Proposed workflows and rules should be reviewed, tested, and documented before they become part of a live process.
Sumsub's AI approach follows these principles. Teams can use AI to make their work more efficient while keeping human approval, sandboxing, role-based access, and audit trails in place.
AI does not have to take compliance decisions away from people. Used properly, it can take some of the work around those decisions off their hands.