Compliance intelligence · v1.0

AI-native compliance
without false positives.

KYC, perpetual monitoring, and SAR automation — built for fintechs operating under FINTRAC, FCA, and FinCEN.

No rules engines to configure. No manual review queues. Deploy in weeks, not quarters.

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Jurisdictions FINTRAC FinCEN FCA AMLD6 MAS
KYC onboarding◈ Perpetual monitoring◈ SAR automation◈ FINTRAC native◈ Agentic compliance◈ Explainable AI◈ Real-time risk scoring◈ Audit trail◈ KYC onboarding◈ Perpetual monitoring◈ SAR automation◈ FINTRAC native◈ Agentic compliance◈ Explainable AI◈ Real-time risk scoring◈ Audit trail◈
Platform

Everything compliance needs. Nothing it doesn't.

API-first infrastructure for KYC, AML, and SAR workflows. Deploy in two weeks with fewer false positives and no legacy rule systems.

01 ── KYC
Onboard users in one call
Verify identity, run sanctions checks, and complete KYB in a single API request — pre-configured for multiple jurisdictions.
02 ── pKYC
Know your customer continuously
Risk scores update automatically as user behaviour changes — not just at onboarding.
03 ── AML
Detect real risk, not noise
Models baseline behaviour and flag meaningful anomalies in real time — reducing false positives dramatically.
04 ── SAR
Draft reports automatically
Generate complete SAR narratives with full context, ready for compliance review and submission.
Developer experience

Deploy in days, not quarters.

A single REST API with real-time webhooks and SDKs. Go from zero to compliant before your sponsor bank asks.

cerno.api — terminal
$ npm install @cerno/sdk
──────────────────────────────────────
$ import { Cerno } from '@cerno/sdk'

const client = new Cerno({
  apiKey: process.env.CERNO_KEY,
  jurisdiction: 'CA' // FINTRAC
})

// Verify a new customer
const result = await client.kyc.verify({
  document: uploadedDoc,
  liveness: selfieVideo,
  watchlists: ['OFAC', 'FINTRAC']
})

✓ Identity verified · risk_score: 12 · status: PASS
✓ Sanctions clear  · checked: 847 lists
✓ Adverse media   · 0 hits found
──────────────────────────────────────
Deploy time: 11 days · False positive rate: 2.3%
By the numbers

The cost of legacy compliance systems.

$3B
AML fine driven by system failures
£29M
Screening failures from outdated tooling
16wk
Typical legacy deployment time
2wk
Cerno deployment target

Compliance that adapts
as you scale

Join the waitlist. Early teams get white-glove onboarding.

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