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Sovereign AI and compliance for financial services

Banking, superannuation, insurance and fintech operate under intense regulatory scrutiny. ORCA Opti brings governed AI, your risks, controls and obligations into one living system of record, inside your own Microsoft 365.

What is converging

The regulatory bar keeps rising. Quietly.

APRA CPS 230, the Financial Accountability Regime, scams reform, Privacy Act changes and AI guidance are landing on top of CPS 234, AML/CTF and ASIC obligations. Boards are accountable for all of it. Customer and member trust depends on it. And the team running the program is rarely getting bigger.

Operational risk is now formal

CPS 230 brings critical operations, material service providers and incident response under direct board accountability.

Personal accountability for executives

The Financial Accountability Regime puts named directors and accountable persons on the line for failures and breaches.

Scams reform with teeth

Mandatory codes oblige banks, telcos and digital platforms to detect, prevent and respond, with real financial consequences for failing to act.

Privacy reform and AI guidance

Broader consumer rights, tougher enforcement and regulator expectations on how AI touches customer and member data.

Safe AI for financial services

Sovereign AI that stays in your tenant

Opti Assist runs inside your own Microsoft 365 environment. Staff ask natural-language questions about your policies, procedures, APRA obligations and customer correspondence and get instant, source-cited answers. AI Guardian sits in front of every prompt, blocking customer or member data from leaving your tenant and shielding the team from prompt injection and other AI attacks.

Stays inside your tenant

Customer and member data never leaves your Microsoft 365 environment and is never used to train external models.

AI Guardian inspects every prompt

Prompt injection, data extraction and policy-violating content are blocked before they reach any AI model.

Audit-ready by design

Every prompt and response is logged as a structured governance record, ready for the next ARROW or internal audit.

ISO/IEC 42001 aligned

AI governance built to the new international standard, not bolted on after the fact.

Compliance automation

Opti Core takes the regulatory heavy lifting off your team

Risks, controls, incidents, policies and evidence in one living system of record. The work that used to live in spreadsheets and inboxes runs continuously, so evidence and reporting are current every day rather than assembled the night before an audit.

APRA CPS 234

Information security controls pre-mapped, with continuous evidence and board-ready reporting.

APRA CPS 230

Critical operations, material service providers and operational risk tracked end to end.

ASIC licences

AFSL, Australian Credit Licence, RSE Licence and market licence conditions mapped to controls, with attestations and breach reporting timeframes ready.

AML/CTF and AUSTRAC

Reporting entity programs, customer due diligence, training and procedure evidence in one place.

Scams and incident response

Workflows aligned to ACCC scams reform and ASIC breach reporting timeframes, with the evidence captured automatically.

Privacy Act and the APPs

Data handling, notifiable data breach workflows and consumer rights requests ready to run.

FAR and BEAR accountability

Clear ownership of obligations and an audit trail directors and accountable persons can stand behind.

Conduct obligations

Design and Distribution Obligations (DDO), consumer remediation (RG 274) and fairness expectations tracked alongside everything else.

For superannuation funds

Built for superfunds, from major to emerging

Member outcomes, operational soundness, board accountability. Larger funds can spread the load across teams. Smaller funds carry the same expectations on a fraction of the resources. ORCA Opti is built for both, with the deepest fit for smaller and growing funds that need enterprise-grade governance without enterprise-grade overhead.

Member outcomes (SPS 515)

Structured records of investment, strategic and operational decisions tied back to member outcomes assessments.

Operational soundness

Critical operations, third-party providers and information security tracked continuously, aligned to SPS 230, 231 and 234.

Investment and provider oversight

Due diligence, contracts and ongoing monitoring of fund managers, custodians and administrators in one place.

Trustee board reporting

Live dashboards directors can act on, not 80-page packs assembled the night before.

For banking, insurance and fintech

Built for banks, neobanks, insurers and licensed fintechs

From major ADIs and mutual banks to neobanks, insurers and licensed fintechs, the regulatory weight comes from many directions. ORCA Opti pulls it into one program, in your own tenant.

Major and regional ADIs

Scale prudential controls and FAR accountability across complex organisations, with evidence ready for ARROW and other APRA assessments.

Mutual banks and customer-owned ADIs

Enterprise-grade governance sized for member-owned models, without enterprise overhead.

Neobanks and licensed fintechs

Stand up CPS 234, CPS 230 and AFSL evidence quickly enough to ship product, not just paperwork.

Insurers and reinsurers

Life, general and health prudential standards, conduct obligations and claims integrity, in one program.

Free your team to focus on customers and members

Stop spending the next regulatory cycle stitching evidence together. Bring your risks, controls, AI and obligations into one secure system inside your own Microsoft 365, sovereign, audit-ready and continuously current. The earlier ORCA Opti is in place, the more your team gets back to do the work that matters.

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