About Noctula Risk Intelligence

Engineered to Neutralize Financial Crime at Scale.

We build real-time financial crime detection and compliance software for banks, neobanks and payment companies.

Why we exist

The Systemic Deficit in Traditional AML Compliance

Financial institutions spend over $300 billion a year on compliance. Yet by UNODC estimates, less than 1% of illicit money flows are ever stopped.

Most rule engines judge each payment on its own, so the large majority of their alerts are false alarms. Analysts lose hours collecting data by hand while organised groups slip under fixed limits by splitting payments and using mule accounts.

Noctula was founded to change that: instead of alerting on single payments, it connects the people, companies and devices behind them, so a criminal ring shows up as soon as money starts to move.

How we build

Our Core Architectural Pillars

Entity-Centric, Not Transaction-Centric

We look at the people and companies behind payments, not single payments on their own. Devices, IP addresses, ownership chains and mule rings all sit on one graph.

API-First & Zero-Trust by Default

Customer data is protected with hardware-key sign-in, masking that lifts only when a person needs to see it, and encrypted connections everywhere.

AI Decisions with Human Approval

AI analysts group alerts, gather evidence and draft SARs. Every change of state needs a person, and filings need the MLRO's approval as well.

Explainable AI, Never Black Boxes

Every risk score and recommendation comes with a written reason that an examiner can follow from start to finish.

Who we work with

Institutions We Protect

Regulated firms that move money fast and cannot afford to get it wrong. See the regulations we cover.

Neobanks & Digital Banking

Screen instant payments without slowing them down, and stop fake identities and account takeovers as they happen.

Payment Service Providers (PSPs)

Catch card testing, payments split to dodge limits, and merchants working together on chargeback fraud.

Regulated Crypto Exchanges (VASPs)

Bring wallet screening, customer checks, Travel Rule records and sanctions screening into one place.

Cross-Border FinTech & Trade

Expose trade-based money laundering, shell company networks and unusual activity in free trade zones.

Giving back

Community commitments

CSA AI Trustworthy Pledge

We have signed the Cloud Security Alliance's AI Trustworthy Pledge for 2026, committing to build AI that is safe and compliant, transparent, ethically accountable and respectful of privacy. See the pledge signatories.

Pledge 1% member

Noctula Risk Intelligence is a member of Pledge 1%, the global movement of companies that commit part of their equity, time, product or profit to their communities.

Supporting International Fraud Awareness Week

We are one of the supporting organizations of International Fraud Awareness Week 2026 (#FraudWeek), the yearly campaign of the Association of Certified Fraud Examiners (ACFE) to raise awareness of fraud and how to prevent it. See the list of supporting organizations.

Corporate Details & Governance

Legal entity: Noctula Risk Intelligence Limited, company number 17550647, registered in England and Wales
Registered office: 128, City Road, London, EC1V 2NX, UNITED KINGDOM
Inquiries, support and data protection: support@noctula.org

Ready to Modernize Your Compliance Architecture?

See how Noctula connects accounts on a graph, prepares cases with AI analysts and keeps your data protected.

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