Problems We Solve in Finance
Financial institutions face rising fraud, growing compliance pressure, and customer demand for faster, smarter services. We help teams turn these challenges into competitive advantage.
Fraud & AML risk
Criminal patterns evolve faster than rules-based systems can adapt. We build AI fraud models that detect anomalies in real time, cutting losses and false positives by monitoring millions of transactions per second. This includes identifying sophisticated synthetic identity fraud, transaction laundering, and high-risk network behavior, significantly lowering the cost of investigations and manual review.
Complex onboarding (KYC/KYB)
Manual checks slow customer acquisition and frustrate users. Our AI-driven onboarding automates identity verification while staying compliant with AML regulations. We use document verification, biometric checks, and perpetual screening against global sanctions lists, reducing the average client onboarding time from days to minutes, and ensuring an accurate risk profile is established from day one.
Credit risk management
Traditional scoring misses context and excludes valuable segments. We deliver ML models that assess repayment risk more accurately, unlocking new lending opportunities. These models analyze non-traditional data—including cash flow history and market trends, providing a more holistic view of creditworthiness and improving the predictive power beyond standard FICO scores.
Customer churn
Customers leave when services feel slow or generic. AI-driven personalization predicts churn and helps tailor offers that retain users. By analyzing service usage patterns, sentiment across communication channels, and competitive pressures, our models proactively flag high-risk customers, allowing relationship managers to intervene with customized solutions or products before a loss occurs.
Procurement & Vendor Processes
Check invoices against approved vendor lists and payment terms automatically. Contracts are scanned for non-compliant clauses, and questionable terms are sent for legal review before approval. AI agents automatically extract and validate data from complex vendor documents, matching POs to invoices and contracts to ensure financial integrity and minimize costly disputes.
Built for Financial Environments
In finance, automation must work inside strict guardrails. We design systems that accelerate day-to-day processes while maintaining compliance, operational clarity, and the ability to intervene when needed.
Dual-Control Approvals
High-value transfers or unusual lending decisions can trigger a second-level review before execution, reducing fraud and compliance risk.
Regulatory Rule Layers
Business logic incorporates your jurisdiction’s specific financial regulations — from anti–money laundering thresholds to capital adequacy checks — so breaches are caught before they happen.
Dispute Handling
When a transaction is challenged, the AI gathers all related data — account history, communications, supporting documents — and packages it for rapid human review.
Continuous Audit Trail
Every decision and data pull is recorded with a timestamp and origin source, creating regulator-ready reports without extra work.
Early-Risk Escalation
Unusual repayment patterns or anomalies in trade execution are flagged early, with contextual explanations for your risk team.
Human-AI Handoff
The system completes the repeatable, time-consuming checks, while your analysts handle the cases that require strategic thinking or nuanced judgment.
Our Process
Why AI for Finance?
AI can connect data sources, automate repetitive actions, and surface the right information at the right moment.
Operational Accuracy
Run deep, multi-layer checks on transactions, contracts, and client data without piling more work on your compliance and operations teams. The system can work in the background, flagging only the cases that need human review.
Connected Systems
Link your banking platform with CRMs, analytics tools, or document archives so information moves where it’s needed without manual transfer.
Faster Responses
Spot anomalies, generate reports, and complete verifications in real time, so teams can act while it still matters.
Core Capabilities Driving Financial AI
Our core capabilities are designed not just to automate tasks, but to embed auditable, transparent intelligence across your institution. We prioritize expertise in regulatory environments, ensuring that every predictive model, generative agent, and operational workflow we build adheres to strict security, compliance, and governance standards . These services are the foundation for transforming regulatory burden into competitive advantage.
AI Consulting
Regulatory compliance is non-negotiable in finance. Our consultants provide expert guidance on developing auditable, transparent, and ethically sound AI systems, ensuring full adherence to global standards (e.g., Basel, AML, CCPA). We help you define governance frameworks, assess risk exposure, and create a strategic roadmap that mitigates regulatory hurdles before model deployment.
Generative AI Development Services
Accelerate the handling of unstructured financial data, which makes up the bulk of risk and reporting tasks. We develop and fine-tune Large Language Models (LLMs) to automatically generate first drafts of quarterly reports, summarize vast legal contracts, and extract critical insights from market news and analyst reports, drastically reducing manual document processing time.
AI Agents Development
Deploy intelligent, autonomous software agents to handle complex, rule-based financial workflows. Agents can monitor real-time trading activity for market abuse, automatically process expense reports based on policy rules, or manage client onboarding steps (KYC/AML) by autonomously verifying documentation and updating core systems without human intervention.
Machine Learning & Predictive Analytics
The engine for risk and revenue. We design and implement scalable ML pipelines to ingest transaction, market, and customer data to power critical decisions. This includes building algorithms for credit risk modeling, dynamic loan underwriting, portfolio optimization, and most importantly, detecting sophisticated, non-obvious fraud patterns in real-time.
AI Discovery & Strategy Workshop
Begin your high-stakes AI initiatives with a detailed, risk-managed plan. This essential workshop brings together compliance, leadership, and IT to define high-ROI use cases, audit data quality and governance, and create a phased strategic roadmap that maximizes returns while managing strict regulatory and ethical boundaries.
What AI Can Do in Finance
AI can strengthen performance across your institution — from customer-facing services to deep operational processes. It works inside the systems you already use, speeding up time-sensitive tasks and improving the accuracy of every decision.
Financial Reporting
Draft, review, and publish content across platforms. AI agents maintain consistency and accelerate publishing cycles with minimal oversight.
Lending & Credit
Analyze applications against a broader set of risk indicators, such as repayment trends, cash flow history, and macroeconomic signals. This reduces the chance of approving high-risk borrowers while speeding up approvals for qualified ones.
Compliance & Risk Management
Run continuous AML, KYC, and sanctions checks in the background. The system can also flag trades, transfers, or agreements that may breach regulatory thresholds before they are executed.
Procurement & Vendor Processes
Check invoices against approved vendor lists and payment terms automatically. Contracts are scanned for non-compliant clauses, and questionable terms are sent for legal review before approval.
What sets Nomtek apart is their cross-functional approach: they assembled a diverse team with expertise spanning UX, development, and product strategy to ensure that the solution would be practical, scalable, and aligned with our long-term goals. Their collaborative mindset and ability to explain complex topics in an accessible way made the entire process feel like a true partnership.
We’re excited to continue this journey together and can confidently recommend Nomtek as a reliable, proactive, and thoughtful partner for any AI-driven product development.
Case studies
Go beyond the obvious. Co-create with teams who value impactful experiences and products.
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Automating mortgage underwriting with multi-agent AI
Friday Harbor
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Helping candidates perform better at job interviews using AI
Monster AI
Helping students learn and understand basic math using artificial intelligence
Fibo — AI Math Tutor
Leveraging AI to build a content summarization app for better knowledge retention
taim
Creating a personalized audio listening experience with content curated by artificial intelligence
Audioburst
Why fintech teams hire us
We’re not just AI developers — we’re partners who understand the regulatory and technical realities of finance.
- Regulatory alignment – Builds designed for AML, GDPR, PSD2, and local compliance.
- Seamless integration – Connects with core banking systems, APIs, and legacy IT.
- ROI-driven delivery – Projects tied to metrics like fraud reduction, onboarding time, and loan performance.
- Full ownership – Models, infra, and documentation handed over at launch.
Why Choose nomtek?
Nomtek brings deep technical expertise and a proven track record to every AI project. As an ISO 27001 certified partner, we put security and governance at the center of our solutions. With over 15 years in product development and a client roster that includes Siemens Healthineers, Randstad, and Monster, we understand how to deliver AI that’s scalable and secure. Our team combines hands-on experience in AI and systems integration, so your agents don’t just work, they become a reliable part of your business.
Business-Outcomes First
The AI agents we implement deliver real business results. We thoroughly go over your processes to find opportunities for smart AI agent automation that can free up space to find and leverage high-impact opportunities.
Smart Implementation
We don't jump into full scale transformations, favoring targeted implementations first to generate momentum and use results to boost possible additional AI agent injections.
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Cross-functional AI expertise
Our teams bring together design, engineering, and strategy to ensure results align with your organization’s priorities. The cross-functional setup lets us move fast with purpose and knowledge.
