Spektr adds AI tools to anti-money laundering platform

Spektr has launched a new set of anti-money laundering monitoring and investigation tools, adding transaction monitoring, policy management and AI-assisted casework to its existing KYC and KYB platform.

The new products sit on the same platform and use the same customer records, risk profiles and case workflow as its onboarding system. Spektr says that makes it one of a small group of providers offering both identity checks and transaction monitoring in a single workflow.

The launch comes as financial institutions face growing scrutiny over anti-money laundering controls. Since 2021, the Financial Conduct Authority has imposed 13 fines totalling more than GBP £300 million on banks for failings in anti-money laundering systems and controls.

Industry research cited by Spektr points to a wider market rethink. PwC's 2026 EMEA AML Survey found that 61% of banks plan to invest in new transaction monitoring tools ahead of July 2027, while confidence in existing systems fell from as high as 75% in 2024 to below 30% in 2026.

Single workflow

Many compliance systems split onboarding checks, account activity monitoring and investigations across different software tools. Spektr's latest version brings those functions together so alerts, case handling and customer data remain linked in a single record.

The transaction monitoring product checks customer activity in real time against rules set by compliance teams. According to Spektr, those alerts then feed into the same investigation workflow used during onboarding.

A separate policy engine is designed to turn written compliance policies into operational rules. Compliance teams must approve each rule before it goes live, and versioning keeps a record of which rules were active at any given time.

Spektr has also introduced a product called Case AI. The tool uses AI agents to carry out investigation tasks, collect evidence and recommend an outcome with citations and a confidence level, while leaving the final decision to compliance staff.

Mikkel Skarnager, Chief Executive Officer and Co-Founder of Spektr, framed the launch around regulators' growing demands for firms to document how decisions are made.

"Regulators are no longer just punishing firms for missed financial crime. They are also taking action when firms cannot evidence their controls. The question is increasingly simple: show us how you reached this decision.

"The trouble is, the technology most firms rely on makes that extraordinarily hard. Who the customer is lives in onboarding, what they are doing lives in monitoring, investigations happen in a third system, and the audit trail ends up in emails and spreadsheets. That architecture makes it almost impossible to show your work, however good your people are," Skarnager said.

Investment backdrop

The product expansion follows a recent funding round. Spektr raised USD $20 million in a Series A led by NEA, with participation from Northzone, Seedcamp and PreSeed Ventures, taking total funding to USD $26 million.

The company was founded after the sale of no-code onboarding platform HelloFlow to Trulioo in 2022. Its founders then built Spektr to focus on KYC, KYB and anti-money laundering processes across onboarding, monitoring and case resolution.

Spektr is headquartered in Copenhagen and also has offices in London and Iasi. It works with financial institutions and technology businesses in more than 15 countries, including Nexi, Pleo and Santander.

Skarnager said Spektr sees artificial intelligence as part of a broader shift in how compliance and product teams work together inside regulated businesses.

"The real promise of AI goes far beyond shaving a few minutes off the same old processes. It gives us the chance to create a new operating model where product teams can move and compliance can say yes, because every decision is visible, traceable and defensible. That is the future we are building with Spektr: mission control for regulated progress," Skarnager said.