TransferMate has completed the global rollout of Vivox AI’s automation platform for Know Your Business (KYB), embedding explainable AI agents into its onboarding and due diligence workflows.
The move follows a period of expansion across Asia Pacific and other regions, where rising onboarding volumes placed pressure on compliance operations. For a payments infrastructure provider operating across multiple jurisdictions, scaling customer due diligence without weakening control standards is a structural challenge rather than a temporary one.
TransferMate states it operates 100 licences and serves customers across APAC, the Americas and Europe. As it enters new markets, the firm sought to standardise KYB processes, accelerate review cycles and maintain alignment with evolving regulatory expectations across jurisdictions.
Vivox AI’s platform is designed to analyse up to 100 complex corporate documents and registries per case, identify ultimate beneficial owners, shareholders and directors, perform sanctions, politically exposed person (PEP) and adverse media screening, and produce complete customer due diligence (CDD) or enhanced due diligence (EDD) reports. It supports onboarding across more than 100 countries and can process multiple document formats, including large files and lower-quality images.
Under the hood, the system orchestrates workflow using an ensemble of specialised models, more than 24 integrated verification and screening APIs, and over 35 AI models. The architecture is positioned as delivering consistency and auditability across the KYB lifecycle – attributes that have become central to supervisory scrutiny of AI use in regulated environments.
A notable element of the deployment is a self-learning AI agent operating within Vivox AI’s governance framework. During the first two weeks of live production, the system incorporated structured feedback from TransferMate’s senior analysts. According to the firms, the quality approval rate of AI-generated outcomes increased from approximately 60% to around 80% over that period, indicating measurable improvement through human-in-the-loop calibration rather than autonomous optimisation.
Governance configuration formed part of the implementation. Vivox AI aligned its control modules with TransferMate’s internal policies and procedures, embedding evaluation against defined risk, quality, explainability and oversight criteria. This reflects a broader industry shift, where institutions are expected not only to deploy AI, but to demonstrate how models are monitored, constrained and reviewed.
“We operate in a fast-moving regulatory landscape, and maintaining compliance excellence is fundamental to how we scale,” said Alex Clements, Global Head of AML at TransferMate. “As we expand into new regions, we must increase onboarding capacity without compromising the rigour of our due diligence processes. Vivox AI has enabled us to compress timelines significantly while enhancing the depth, consistency and auditability of every review. Crucially, it augments our compliance team while keeping humans firmly in the loop.”
Vivox AI framed the project as evidence that structured AI deployment can align with supervisory expectations. “TransferMate’s implementation demonstrates how responsible, transparent AI can deliver measurable impact at scale,” said Tim Khamzin, Founder and CEO of Vivox AI. “The deployment aligns with evolving regulatory expectations, from the EU AI Act to recent FCA and Singaporean frameworks, while maintaining strong governance and auditability across jurisdictions. Their ability to move rapidly from planning to full operational use reflects a strong adoption culture and a clear vision for how AI agents can empower compliance teams.”
For TransferMate, audit defensibility remains a key consideration. “The level of detail in Vivox’s AI governance framework gives me confidence that we can demonstrate robust controls during audits and regulatory inspections relating to AI use,” added Clements.
The rollout signals a wider recalibration in regulated financial services: AI is increasingly being deployed not simply to reduce manual workload, but to reshape how compliance operating models absorb growth. Independent AI assurance is expected to complement the deployment, providing external validation of safety, governance and regulatory alignment as supervisory focus on AI intensifies.
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