LONDON, 19 February 2026 – CUBE, a global leader in Automated Regulatory Intelligence (ARI) and Regulatory Change Management (RCM), announces the acquisition of 4CRisk.ai (4CRisk), a Silicon Valley headquartered RegTech business whose agentic AI platform delivers policy and procedure mapping to regulatory obligations, controls and risks. Additionally, 4CRisk provides specialised corporate compliance solutions to meet evolving requirements across cyber, AI, privacy, labour laws and ESG.
Founded in 2019, 4CRisk has developed a sophisticated, purpose-built compliance and risk platform that analyses and breaks down corporate policies and procedures, mapping them directly to regulatory obligations, controls and risks at all levels of granularity. Its AI technology leverages proprietary Specialised Language Models (SLMs) trained on authoritative regulatory compliance and risk sources which, together with its AI compliance CoPilot, Ask ARIA, drives unparalleled automation. This innovative approach produces highly accurate results up to fifty times faster than equivalent manual processes.
The acquisition strengthens CUBE’s ability to deliver fully automated compliance and risk solutions, complementing its existing capabilities in regulatory compliance, operational risk and regulatory change management. Together, CUBE and 4CRisk enable customers to move seamlessly from identifying regulatory change to automatically assessing the impact on policies, procedures and controls enterprise wide. The 4CRisk team, based across the US, India and the UK, will join CUBE, expanding its global team of AI engineers and regulatory experts.
Ben Richmond, Founder & CEO of CUBE, said: “CUBE is the strategic partner of choice for the world’s leading financially regulated organisations for both their financial and non-financial compliance and risk requirements. 4CRisk extends our reach in adjacent corporate regulatory domains and enables our RegPlatform customers to move from understanding regulatory changes to fully automating the mapping to internal governance frameworks. This is a natural extension of our capabilities and a meaningful step forward in helping our customers manage their compliance and risk more effectively across the enterprise.”
Richmond continued: “The pace of AI innovation coming out of Silicon Valley is remarkable, and 4CRisk is a great example of that. They’ve built an incredible platform and the team behind it will be instrumental in helping us further accelerate innovation for our customers.”
Venky Yerrapotu, Founder & CEO of 4CRisk, commented: “We are honoured to join CUBE, a company we have long admired for its global vision and for setting the standard in regulatory intelligence. 4CRisk was founded to help organisations navigate regulatory complexity with clarity and confidence using AI that can be trusted and explained. CUBE’s industry-leading content, combined with the automation our platform brings, makes for a compelling combination.”
Joshua Gielessen, investor at Hg, added: “We are delighted to support CUBE's continued expansion with the acquisition of 4CRisk. Building the industry’s leading AI-powered, end-to-end compliance and risk platform has been a strategic priority since our investment in 2024. Combining CUBE's existing capabilities with 4CRisk's purpose-built regulatory AI further accelerates that vision and creates an even stronger proposition.”
Backed by Hg, the acquisition of 4CRisk marks another major milestone in CUBE’s growth, as it continues to build a unified platform for compliance and risk based on agentic AI. CUBE now serves more than 1,000 customers globally across financial services and adjacent industries, with its platform covering every regulated country.
4CRisk was recently named, alongside CUBE, in the RegTech100 for 2026, recognising the world’s most innovative RegTech companies operating across the financial services sector.
Transaction details were not disclosed.
-ENDS-
For further information
CUBE: CUBE@wearebluejohn.com
About CUBE
CUBE provides a highly comprehensive and robust source of classified, and meaningful AI-driven regulatory data to power its Automated Regulatory Intelligence (ARI) and Regulatory Change Management (RCM) solutions. CUBE’s purpose-built regulatory technology, including its AI engine (RegBrain) and RegPlatform™, tracks, analyses, and monitors laws, rules, and regulations in every country and published language to create an always up-to-date regulatory footprint that transforms visibility and compliance and risk capability for customers globally.
With operations across Europe, the United States, Canada, Asia, and Australia, CUBE serves a diverse and global base of customers and partners including many of the world’s largest financial institutions, who leverage CUBE’s platform to streamline their complex regulatory intelligence and change management processes.
Following the strategic partnership with Hg in March 2024, CUBE announced the acquisitions of US-based Reg-Room, the Thomson Reuters Regulatory Intelligence and Oden products and businesses, Acin, a leading AI operational risk provider, and Kodex AI, a Berlin-headquartered technology business pioneering the use of agentic AI, which CUBE acquired in October 2025. cube.global
About 4CRisk.ai
4CRisk.ai was founded in 2019 with a mission to connect the regulatory and business environments with trustworthy AI and to reduce the cost of compliance and the risk of non-compliance. Headquartered in Silicon Valley, CA, 4CRisk.ai’s award-winning AI Agents and Ask ARIA, its AI compliance CoPilot, leverage Specialised Language Models trained on authoritative regulatory and risk sources to support compliance, risk, security and policy professionals.
Built by former practitioners and technologists, 4CRisk.ai prioritises explainability, privacy, security and responsible AI adoption. Customers include leading organisations across financial services, insurance, retail, telecom and other regulated industries globally. 4CRisk.ai
London, UK – 18th February 2026 - Banks have invested heavily in onboarding new clients, yet legacy KYC records often remain a blind spot. This creates unknown risk exposures that can emerge during audits, regulatory inspections, or remediation programs, and can also negatively impact client experience through unnecessary outreach, repeated verification requests, or delays in service.
Encompass today launches EC Review, a structured, scalable solution that transforms the way banks manage existing client data, providing confidence, control, and compliance at scale. EC Review prioritizes review workflows, making them faster and more cost-effective so banks can assess low-risk clients on a more regular, consistent cadence. This reduces hidden exposures and delivers a smoother, more seamless experience for clients, minimizing disruption, unnecessary requests and delays, while delivering significant time and cost savings that would be impossible to achieve manually. EC Review also offers the perfect solution during mergers or acquisitions when thousands of records often need to be urgently refreshed.
EC Review is a curated KYC service that helps financial institutions efficiently maintain compliant client records through a secure, automated platform. By batching, verifying, reviewing, and resolving client profiles rapidly, EC Review delivers outputs either as structured flat files or directly into CLM platforms. The solution compares existing records against authoritative sources to identify gaps, inconsistencies, and required remediation, without introducing automated judgment or regulatory interpretation.
“EC Review represents an important strategic evolution for Encompass. It creates a new, repeatable service model for high-volume remediation and refresh, leveraging the strength of our EC360 platform while delivering measurable value to our clients.” Wayne Johnson, CEO, Encompass Corporation
Designed for institutions that need to process high volumes of client profiles fast, EC Review reduces operational burden while maximizing accuracy. Curated searches extract data from authoritative public sources, minimize outreach, and ensure full audit trails and data provenance, meeting both regulatory and client expectations for a frictionless experience.
EC Review responds to firms’ most urgent refresh and remediation needs including data remediation, client and enhanced due diligence, documentation and record keeping, regulatory and audit, and screening and sanctions. Rather than forcing banks to adopt new tooling, EC Review augments existing CLM and KYC platforms, offering structured outputs, automated data processing, review and resolution workflows, regulatory reporting, data quality assurance and performance monitoring.
Powered by the EC360 platform, EC Review extends Encompass’ onboarding and Corporate Digital Identity (CDI) capabilities beyond initial verification. It is intentionally complementary, particularly for legacy remediation and high-volume review scenarios that self-serve tools cannot manage. For financial institutions, this means repeatable, scalable services that accelerate remediation, surface hidden risk, provide auditable oversight and improve client engagement, all with minimal operational strain.
“This is not just about efficiency. It is about giving financial institutions confidence and control over their entire client book. We are helping our clients reduce hidden risk, improve client experience, and move from reactive compliance to proactive data governance”, adds Wayne.
For Encompass, EC Review represents a new revenue stream alongside EC360, leveraging existing public automation, outreach, and intelligence capabilities. For financial institutions, it transforms ongoing KYC management from a compliance requirement into a strategic advantage, keeping client data accurate, up to date, and fully auditable while reducing operational effort.
With EC Review, hidden risk becomes visible, legacy data becomes actionable, and compliance evolves from a burden into a source of confidence and control.
About Encompass Encompass enables fast, accurate identity validation and verification of corporate clients, and a gold standard approach to KYC. Our award-winning EC360 Corporate Digital Identity (CDI) platform and innovative EC solutions incorporate real-time data and documents from authoritative global public data sources and private client information, to create and maintain digital risk profiles. By delivering structured KYC data and CDI profiles directly into core banking applications, Encompass powers successful AI initiatives, ensuring insights are accurate and actionable. With Encompass, the world’s leading banks, improve client experience and increase business opportunities through consistent regulatory compliance and risk mitigation.
Encompass Corporation media contact:
Magalie Pimentel, VP Marketing
magaliepimentel@encompasscorporation.com
Banking in 2026 will be shaped less by products and more by the digital foundations that sit beneath them.
AI is moving from experimentation to execution. Digital assets are becoming embedded infrastructure. Regulation is evolving to reflect how technology is actually used, not just how it was designed. At the same time, rising fraud risks and cross-border complexity are exposing the limits of legacy compliance and identity models.
Together, these forces are redefining trust, identity and data flows across the financial system.
Alex Ford outlines the six interconnected shifts modernising banking in 2026 — and what they mean for risk, compliance and governance leaders.
Read more: https://www.forbes.com/councils/forbestechcouncil/2026/02/04/six-forces-modernizing-banking-in-2026-inside-the-digital-shifts-transforming-global-finance/
New solution supports faster, more consistent cross-jurisdictional comparisons and automated self-assessments, providing policy teams with structured data and AI-enabled tools to support human analysis and decision-making.
Cambridge, 10 February 2026 – Regulatory data technology company RegGenome today announced the launch of its Policy Intelligence Suite for regulators, standard-setters, and policy authorities, supporting benchmarking against international standards and peer jurisdictions, evidence-based policy decisions, and faster response to regulatory change.
Policy teams are being asked to do more with less. Pressure to simplify regulations, lower compliance burdens, and align domestic frameworks to global standards is growing, while analytical and supervisory resources are not.
In practice, benchmarking, assessments and thematic reviews remain heavily manual. They are time-intensive, costly, and difficult to keep consistent across jurisdictions.
RegGenome’s Policy Intelligence Suite supports consistent, dynamic, transparent comparisons and automated self-assessments—reducing months of manual analysis to minutes—with evidence-based outputs produced for testing, review, and sign-off.
The Policy Intelligence Suite supports three core authority workflows:
“Human-only processes are being stressed as the regulatory landscape increases in complexity. AI-enabled regulatory intelligence solutions have become essential tools for regulatory authorities as they address the challenge of reducing regulatory burden without increasing risk in the system” Prof. Bob Wardrop, Co-Founder & Executive Chairman, RegGenome
“Human-only processes are being stressed as the regulatory landscape increases in complexity. AI-enabled regulatory intelligence solutions have become essential tools for regulatory authorities as they address the challenge of reducing regulatory burden without increasing risk in the system”
Prof. Bob Wardrop, Co-Founder & Executive Chairman, RegGenome
RegGenome will showcase the Policy Intelligence Suite at the GFTN Forum in Japan (24–27 February 2026, Tokyo).
Titled “Simplifying Compliance: Cleaning Up Policy Sludge with Trained AI Tools”, the session will focus on “policy sludge”, the build-up of overlapping, inconsistent, outdated, and fragmented rules. Policy sludge adds unnecessary compliance burden, obscures real risks, and drains scarce capacity from both regulators and regulated institutions.
It will examine how AI-enabled policy analysis and structured regulatory data can support more consistent, transparent, evidence-based reviews of legal and regulatory frameworks. This helps stakeholders identify where policy sludge sits across mandates, navigate complexity, and accelerate targeted reforms that reduce burden while strengthening integrity, inclusion, and resilience.
The discussions will also draw on ADB and RegGenome’s work mapping AML/CFT and cybersecurity requirements across Pacific jurisdictions, where RegGenome’s solution is being used to benchmark domestic frameworks against global standards and key trading partners.
“The build-up of ‘policy sludge’ hurts everybody. The public gets lost in the complexity. Regulated institutions over-index to checklists. And the efficacy of policymaking gets diluted. AI capabilities now put policy sludge clean up within reach. This is something that all regulators should be exploring.” Michael Hsu, former Acting Comptroller of the Currency (OCC)
“The build-up of ‘policy sludge’ hurts everybody. The public gets lost in the complexity. Regulated institutions over-index to checklists. And the efficacy of policymaking gets diluted. AI capabilities now put policy sludge clean up within reach. This is something that all regulators should be exploring.”
Michael Hsu, former Acting Comptroller of the Currency (OCC)
Attendees can visit RegGenome in the exhibition area to request a demonstration of the Policy Intelligence Suite and discuss applications aligned with their policy and supervisory priorities.
To schedule a demonstration in advance, or to schedule time during the Forum, please contact the team below.
RegGenome is a regulatory data technology company, born out of research at the University of Cambridge. Our core competence is machine-based regulatory document analysis. We convert regulatory content into structured, comparable data linked back to source provisions, using open information structures developed with regulators and standard setters. We provide a consistent, transparent, evidence-based, AI-enabled regulatory policy analysis solution, used by close to 100 regulatory authorities worldwide.
Mary Macauley Head of Marketing & Communications RegGenome marketing@reg-genome.com www.reg-genome.com
Yellow Canary is a workforce compliance technology company that helps Australian employers detect, diagnose, and rectify payroll, superannuation, awards, and long service leave errors with automated AI-powered payroll audits.
Yellow Canary recently released their 2026 State of Payroll Report, revealing that despite new wage theft laws and stronger oversight, one in three Australian employers still lack confidence they are paying employees correctly, underscoring the need for clearer data visibility, shared accountability and more consistent use of automated, independent payroll assurance.
Download their report or register for their upcoming webinar that dives into the data: https://www.yellowcanary.com.au/resources/free-downloads/2026-state-of-payroll-compliance-insights
Visit their website: https://www.yellowcanary.com.au/
View other RTA Member Profiles: https://regtechglobal.org/case-studies
Artificial intelligence is no longer a future state for financial services — it’s already embedded in how risk is identified, managed and governed.
This week, Commonwealth Bank of Australia became the first Australian bank to publicly release a detailed report on how it is ideating, developing and deploying AI at scale, with a strong focus on responsible use and risk management.
For risk and compliance leaders, this offers rare insight into how AI governance frameworks are being operationalised in practice — from fraud and scam prevention to customer protection and workforce capability.
As AI adoption accelerates, transparency and shared learning across the ecosystem will be critical.
Read the full report here: https://www.commbank.com.au/articles/newsroom/2026/02/cba-approach-to-adopting-ai-report-announcement.html
Accenture’s Top Banking Trends for 2026 signals a pivotal shift toward what it calls “unconstrained banking.”
As generative and agentic AI, digital assets, and programmable money mature, banks are decoupling growth from headcount and legacy infrastructure. But this transformation also concentrates risk: faster-moving transactions, fragmented data, and AI-driven decisioning are stretching traditional control frameworks.
For risk and compliance leaders, the implication is clear. Static, siloed approaches won’t scale. Governance must be embedded into products, platforms, and workflows from day one.
The question for 2026 is not whether banks adopt these models — but whether risk management can keep pace.
Read the key insights here: https://www.accenture.com/us-en/insights/banking/accenture-banking-trends-2026
Perth, Australia, 9 February 2026: Personr Pty Ltd is redefining compliance in Australia, today releasing an industry-leading feature.
Personr’s new Flow Builder sets a benchmark for flexible, compliance-ready customer verification.
This feature empowers Personr customers to have full control over how they design and manage their onboarding journeys and Know Your Customer (KYC) obligations.
Personr Co-Founder and CEO Charlie Westerman said the release represents a major shift for onboarding in Australia.
“Our new Flow Builder represents a fundamental shift in the industry, from static configurations and templates to customer-designed onboarding journeys,” he said.
It makes onboarding truly adaptable. Brand-aligned at the front, and compliance-confident at the core.”
The Flow Builder speeds up the onboarding process, allowing businesses to create flows in minutes, rather than hours.
This significantly improves deployment speed, helps businesses maintain compliance with AUSTRAC regulations and improves clear, consistent customer communication.
"Australian compliance is evolving fast, and Personr is helping to lead that shift,” said Mr Westerman.
We're proud to be among the first moving the industry in this direction, combining customer-controlled configuration with controls compliance teams expect."
The product:
With the Flow Builder, Personr customers can create their own onboarding journeys by selecting and arranging each step of the KYC process, including ID document capture, selfie and liveness checks, questionnaires, risk assessments, and any additional actions as required.
The onboarding experience can be customised to match a company’s brand and customer experience, while compliance teams retain full control over data sources and AML screening settings, including search criteria and risk rules.
Nick Ahrens, Co-Founder of Personr, said the Flow Builder feature will be game-changing for compliance teams across Australia.
“With the Flow Builder, we have focused on giving businesses a better onboarding experience for their customers,” Mr Ahrens said.
“Customers can design and deploy journeys that feel seamless and on brand, while still meeting Australian compliance requirements.It means faster onboarding, clearer communication, and more confidence for both businesses and the people they onboard.”
The Flow Builder will be available to Personr customers from February 9th 2026.
For more information, please contact the Personr team.
For Media Enquiries: Artemisia Blythe Marketing Lead arte@personr.co
Yellow Canary’s 2026 State of Payroll Compliance Report reveals highlights widespread AI use in payroll compliance, but finds that assurance still relies on governance, audits, and human judgment.
SYDNEY, AUSTRALIA – FEB 2, 2026 - New research shows Australian organisations are increasingly adopting automation and artificial intelligence to manage payroll compliance at scale. The findings show that confidence in payroll outcomes depends on how organisations govern and apply technology in practice.
As payroll environments grow more complex, driven by evolving awards, changing working patterns, and increased regulatory scrutiny, organisations are turning to RegTech to deliver consistency, visibility, and control. However, the data shows that while technology adoption is widespread, confidence in pay accuracy remains uneven.
Insights from Yellow Canary's 2026 State of Payroll Compliance Report reveal that nearly two thirds (64%) of organisations say they are confident in their payroll compliance. At the same time, more than a third (36%) remain unsure they are paying employees correctly. These results indicate that while capability continues to expand, certainty has not yet followed at the same pace.
More than three in four organisations (77%) already use artificial intelligence in some form to support payroll compliance.
Organisations most commonly use AI to assist with scale and complexity alongside existing payroll and compliance processes, including monitoring payroll data to detect compliance issues (42%), tracking legislative and regulatory changes (36%), and reviewing employment contracts against legal guidelines (35%).
According to Marcus Zeltzer, Founder and Managing Director at Yellow Canary, organisations build confidence in payroll compliance when they pair technology with regular, structured audits.
“Automated audit platforms support ongoing assurance,” Zeltzer said. “They test whether pay outcomes reflect actual working arrangements.”
Looking ahead, 57% of employers plan to implement automated payroll audit technology. However, 43% have no immediate plans, highlighting differences in adoption pathways, resourcing, and organisational readiness.
Despite increased use of advanced tools, most organisations continue to apply layered compliance approaches. Nearly half rely on built in payroll system reports (48%) and internal audit functions (47%), while 46% now use external audit technology to improve coverage and visibility across pay outcomes.
This mix of approaches highlights the continued use of established controls alongside newer technologies in managing payroll compliance.
According to Zeltzer, technology has improved organisations’ ability to manage payroll complexity, but assurance depends on how teams apply insights in practice.
“AI has become an enabler in payroll compliance. It can analyse large volumes of data faster and make sense of complexity at scale,” he said. “But technology alone does not create assurance. It needs a human in the loop.”
As awards, classifications, and working patterns continue to evolve, automation and AI give organisations unprecedented visibility into pay outcomes. However, visibility alone does not resolve risk unless organisations act on insights consistently and with accountability.
“Bad data in, bad data out. Technology is a powerful enabler, but it requires strong governance and oversight,” Zeltzer said.
The research shows organisations increasingly view automated payroll audits as a governance essential. When implemented effectively, automated audits shift payroll compliance from a periodic, retrospective activity to an ongoing source of insight into accuracy, coverage, and root causes.
This shift allows organisations to identify issues earlier, address systemic problems, and reduce the likelihood of errors escalating into larger compliance failures or remediation programs.
“Payroll audits must be scheduled regularly. Waiting until an issue arises is too late,” Zeltzer said. “More frequent audits allow organisations to identify issues earlier, reduce risk, and ensure employees are paid correctly.”
Automated audits do not replace payroll and compliance professionals. Instead, they allow teams to focus on judgment, investigation, and decision making, while technology manages scale, repetition, and data analysis.
The findings reinforce a broader principle: organisations build confidence by augmenting human expertise with well governed, scalable technology, rather than treating automation as a substitute for accountability.
As RegTech adoption continues to accelerate, organisations that invest in both technology and governance frameworks are better positioned to move from reactive compliance to proactive assurance.
The 2026 State of Payroll Compliance Report draws on insights from 540 payroll, finance, and compliance leaders across Australia. The research examines confidence levels, audit practices, and how organisations use automation and artificial intelligence to manage payroll compliance.
Download the 2026 State of Payroll Compliance Report here.
Yellow Canary is a workforce compliance technology company that helps Australian businesses detect, diagnose, and rectify payroll, superannuation, awards, and leave errors with automated AI-powered payroll audits.
Before social media, there was Turbo Man.
If you remember Jingle All The Way, you’ll recall frantic parents chasing a must-have toy through malls, back alleys, and black markets. The pressure, scarcity, and willingness to ignore red flags isn’t new.
What has changed is the channel.
Today, that same urgency plays out on social media marketplaces, where fraudsters exploit seasonal demand for high-value gifts. Fake listings, off-platform payments, and rapid disappearance are now part of the holiday shopping playbook.
For risk and compliance teams, social platforms are no longer peripheral signals — they’re primary intelligence.
Worth a read on how these scams operate, and what to watch for: https://www.fivecast.com/blog/holiday-shoppings-dark-side-how-social-media-scams-thrive/
© 2023 The RegTech Association
