Protect the flow.
Power the growth.
AI-native risk decisioning platform for enterprises that refuse to choose between financial crime compliance and business growth.
Don't rip and replace. Overlay.
Trusted by global financial institutions
Financial crime compliance, re-built for the AI era.
Defense has to move as fast as the criminals. That means tracking regulatory change, scoring risk continuously and spotting new typologies as they emerge. Automated, autonomous, and explainable to withstand scrutiny at scale.
Outcomes our customers can bank on
50%+
alert-volume reduction across all business lines
5x
fewer false positives
↑70%
efficiency gains, same-day SAR filing
60%
less EDD case volume per analyst
10 weeks*
to go live
*on average, across deployed customers
The platform
Risk decisioning at AI speed, powered by explainability.
ThetaRay connects data and financial crime expertise into a unified AI and agentic decisioning layer. Automated case files let teams review PEP, adverse media, customer and transaction risk in real time. Mitigate exposure while keeping a documented trail for your decision and next audit.
Ray Hub
Agentic investigations
Close
Theta Hub
AI-native detection engines
Theta Screen
Sanctions, PEP and watchlist screening that combines rules, context and AI signals, so true matches surface and the noise drops.
Onboard customers faster without added compliance risk
Ray Screen Agent
Screening investigations in under a minute, cutting customer wait times by over 80%.
Theta Clear
Real-time payments screening. Friction-free approvals or a strong recommendation to stop the transaction.
Approve legitimate payments instantly, block the rest
Ray Clear Agent
Payment screening investigations in seconds, so clean payments keep moving.
Theta Monitor
Ensemble machine learning algorithms that find unknown risk typologies across 2.5B+ transactions a month.
Half the alerts, ten times fewer false positives
Ray Monitor Agent
Save operations team bandwidth by automating first-pass investigations. Ray builds the case file and drafts the SAR narrative.
Theta Score
Customer risk that updates itself: onboarding, review and refresh from one continuously scored profile.
Cut enhanced due diligence workload by 60%
Ray Score Agent
Customer due diligence in under a minute, with frictionless EDD and 100% auditability.
Ray Regulatory Reporting
SAR and STR filing pre-filled from the case, aligned to FinCEN, FinTRAC, goAML, COAF, UIF and TRACFIN standards.
Ray Case Manager
The AI-native investigation center for every alert and case. Explainable alerts, prioritization and network analysis in one audit-ready view.
Start anywhere. Expand when ready.
Our partner ecosystem
Ricardo Lima
DPO, Banco BV
Yasemin Swanson
COO, ClearBank
Michael Sheehy
CCO, Payoneer
Elina Jefremova
AML Manager, Shift4
Funmi Dele-Giwa
General Counsel and CRO, Onafriq
Celia Pizz
CCO, Travelex
Meet Ray
Don't just flag. Resolve.
Ray plugs into any existing tech stack across every financial crime compliance pillar (screening, KYC/CDD, transaction monitoring, third-party tools and case managers). Ray Platform works a first-pass case investigation end to end, aligned with your protocols, with a documented, audit-ready trail.
Ray · case ACT-40912
Ray
Assembles the case
Pulls transactions, counterparties, KYC profile, prior dispositions and open adverse media into one file.
Explains the reasoning
Surfaces the risk indicators that drove detection, in language an analyst and auditor both understand.
Recommends the action
Close, escalate or file a report, with the narrative drafted and the evidence attached.
Leaves the trail
Every input, action and decision by the model and the human analyst is logged for validation and audit.
Recognized market leader by top analysts
Resources
White paper
Re-Engineering Transaction Monitoring Economics Under Data-Led Regulatory Scrutiny
How banks are transitioning to evaluating financial crime programs on demonstrable regulatory effectiveness.
Case study
How a Miami Bank Modernized Retail Banking AML with AI
Within months of deployment the bank achieved 45% total alert reduction and 70% reduction in false positives, accelerating time to resolution.
Report
The ThetaRay UK Banking & Fintech Trust Report 2026
88% of UK customers will switch banks over financial crime failures, and 81% now rank AML effectiveness as a top priority for selecting a provider.
Frequently asked questions
What is ThetaRay?
ThetaRay is an AI-native risk decisioning platform for enterprises that refuse to choose between financial crime compliance and business growth. It connects data and financial crime expertise into a unified agentic decisioning layer.
What is the difference between Theta Hub and Ray Hub?
Theta Hub holds the detection engines: Theta Screen, Theta Clear, Theta Monitor and Theta Score. Ray Hub is the agentic investigation layer: the Ray agents that work each case end to end, plus Ray Case Manager and Ray Regulatory Reporting, with a documented, audit-ready trail.
Do I need to replace my current compliance stack to use Ray?
No. Don't rip and replace. Overlay Ray. Ray plugs into any existing tech stack across screening, KYC/CDD, transaction monitoring, third-party tools and case managers.
What outcomes do ThetaRay customers see?
On average, across deployed customers: 50%+ alert-volume reduction across all business lines, 5x fewer false positives, 60% less EDD case volume per analyst and 10 weeks to go live.
Build the infrastructure that keeps money clean
Join our engineers, data scientists and financial crime experts across global offices.
Don't just flag. Resolve.
See Ray's defensible decisions on your own data.