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AI Operating System · Banking

The AI Operating System
for Banks

Clerk builds your bank's digital twin — autonomous AI agents that run compliance, risk, and operations while you sleep.

See Live Demo → Schedule a Call
26+
Features Shipped
5×
AML Rule Engine
A→D
Full Compliance Engine
6G
Governance Gates
The Gap

JPMorgan has
2,000 AI engineers.
Your bank has zero.

Community and mid-size banks are falling behind. Manual compliance workflows. Spreadsheet risk management. Siloed data locked in legacy core systems. The gap widens every quarter — and your examiners are starting to notice.

Clerk levels the playing field. An enterprise AI department, on a community bank budget.

$4.5T
in assets managed by community banks that lack AI infrastructure
73%
of BSA/AML alerts are false positives at banks without ML scoring
340hrs
average monthly time spent on manual SAR review and compliance reporting
2027
deadline for AIUC-1 readiness — examiners will ask about your AI governance
Product Tiers

Start with compliance.
Scale to full autonomy.

Tier 1
🛡️
Clerk Compliance

Live AML and compliance engine with human-in-the-loop review workflows and real-time alerts.

  • AML monitoring & SAR filing automation
  • Transaction risk scoring with SHAP explainability
  • Human-in-the-loop review workflows
  • Real-time alerts & audit trails
  • Kill switch with full audit logging
$15K /month
Get Started Try in Demo →
Tier 2 · Most Popular
🧬
Clerk Twin

Full digital twin per banking domain — discovery through production with 9-dimension evaluation harness.

  • Domain discovery & AI-readiness scoring
  • 8-layer reference architecture per domain
  • Champion-Challenger agent testing
  • Parallel run alongside human operators
  • 9-dimension production evaluation harness
$75K /month
Talk to Us Try in Demo →
Tier 3
🏛️
Clerk Transformation

Multi-domain AI transformation program with governance gates, workforce intelligence, and certification readiness.

  • Multi-domain program management
  • G0–G5 governance gate framework
  • 2LoD/3LoD independent sign-off
  • Workforce intelligence & change management
  • AIUC-1, SOC II, ISO 42001 certification readiness
Custom
Talk to Us Try in Demo →
Methodology

Six phases from spreadsheets
to autonomous operations

Phase 01
🗺️
Domain Discovery

Map every process across your bank. Score AI-readiness by domain. Identify the highest-ROI automation targets first.

Process mapping · Readiness scoring · Priority matrix
Phase 02
🏗️
Architecture

8-layer reference architecture per domain. Detailed agent specs. Sandbox provisioning and data pipeline design.

8-layer model · Agent specs · Sandbox build
Phase 03
⚙️
Build

AI agents built for each sub-process. Champion-Challenger testing framework. Evaluation harness validated before production.

Agent build · Champion-Challenger · Test harness
Phase 04
🔬
Parallel Run

Digital twin runs alongside your human operators. 9-dimension evaluation across accuracy, latency, fairness, and compliance.

9-dimension eval · Human comparison · Drift monitoring
Phase 05
🏛️
Governance Gates

Six formal gates (G0–G5) with 12 promotion criteria. Independent 2LoD and 3LoD review. Nothing goes live without sign-off.

G0–G5 gates · 12 criteria · 2LoD/3LoD
Phase 06
🚀
Production

Autonomous operation at scale. Kill-switch ready at all times. Continuous monitoring with examiner-grade audit logs.

Autonomous ops · Kill switch · Continuous monitoring
Already Shipped

26+ features live in production

Production
🧾
Full A→D Compliance Engine
End-to-end compliance workflow from alert to disposition
🔍
5-Rule AML Detection
Structuring, velocity, peer clustering, geography, amount rules
🤖
ML Risk Classification
SHAP explainability on every transaction risk score
⚡
Real-Time Transaction API
Live ingestion with sub-second risk scoring pipeline
👤
HITL Review Workflows
Human-in-the-loop queue with escalation and audit trails
🔒
Kill Switch & Audit Logging
Instant halt with full immutable audit trail for examiners
🏛️
AI Governance Framework
SOC II, ISO/IEC 42001, and AIUC-1 readiness architecture
📊
SAR Filing Automation
Structured SAR narrative generation with reviewer approval gate
📡
Real-Time Alert Engine
Configurable thresholds, escalation paths, and response SLAs
Governance & Compliance

Built for examiners,
not just executives

Every AI decision is explainable, auditable, and reversible. We designed Clerk for the OCC, FDIC, and Fed — not just for your CTO.

  • AI Governance Framework — Live
  • SOC II Type II — Q3–Q4 2026
  • ISO/IEC 42001 (AI Management) — Q1 2027
  • AIUC-1 Certification — Q1 2027
NIST AI RMF SR 11-7 SR 26-2 NYDFS Part 500 BSA/AML FinCEN
Certification / Standard Status Timeline
AI Governance Framework ✓ Live Now
NIST AI RMF Alignment ✓ Live Now
SR 11-7 / SR 26-2 Compliance ✓ Live Now
NYDFS Part 500 Readiness ✓ Live Now
SOC II Type II In Progress Q3–Q4 2026
ISO/IEC 42001 Roadmap Q1 2027
AIUC-1 Certification Roadmap Q1 2027
Get Started

Every bank deserves
an AI department.

Schedule a live demo and see Clerk's compliance engine running on real transaction data. No slides. No fluff. Straight to the product.

Self-Serve Plans
Compliance Starter
AML monitoring, risk scoring, HITL workflows
$15K/mo
Get Started
Compliance Growth
Full compliance suite + advanced analytics
$30K/mo
Get Started
✅

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