From first receipt to board-ready audit trail — every regulatory notice, every step, every jurisdiction. Two modules. One platform. No notice falls through.
LEANM is not compliance software. It is a compliance intelligence agent. The two modules work together: Ops handles the workflow, Intelligence provides the advantage.
The 5-step agentic engine that handles every notice from ingestion to CBS action. Runs 24/7. Every AI-generated action reviewed and approved by the team before execution.
Turns compliance cost into competitive intelligence. Monitors every regulatory portal continuously, benchmarks your posture against peers, and informs every response with precedent data.
The same engine adapts to local regulatory frameworks, portal structures, CBS configurations, and language requirements — without architectural rebuilds.
RBI · SEBI · DRT · NCLT · CERT-In · MCA. 12,000+ regulated entities. 18 live portals.
● Platform ActiveCBUAE · SAMA · CBB · QCB. AED 1B fine regime. Arabic OCR live at ADIB.
● Live at ADIBMAS · BNM · BOT · OJK · BSP. CBS: T24, FLEXCUBE. Active pipeline.
● Active PipelineAUSTRAC Tranche 2 · APRA CPS 230. 140+ ADIs in scope. Biggest AML overhaul in 20 years.
● Market ReadyFSA · kAIgentic partnership. Regional bank coverage. Partner entry model.
● Partner EntryPlatform deployed. HDFC Bank active. Mid-tier bank evaluations underway.
ADIB live. 3 active bank conversations. Arabic AI already in production.
MAS + BNM pipeline. T24 and FLEXCUBE connectors ready. SI co-sell active.
kAIgentic partnership signed for Japan. AUSTRAC Tranche 2 window open for AUS.
The regulatory surface, the applicable portals, the CBS stack, and the buyer conversation are entirely different for a bank vs. an ARC vs. a wealth manager. LEANM is pre-configured for each.
SARFAESI · DRT · NCLT · RBI · SEBI · CERT-In · FIU. The full enforcement and compliance surface of a bank — managed by one agent.
RBI DNBS · Ombudsman · Sa-Dhan · MFIN · CERT-In. Scale-based regulation with a PCA early warning layer built in.
SARFAESI cascade · DRT 33 benches · NCLT 16 benches · IBBI. Trust-level enforcement routing across 453 active trusts.
SEBI LODR · PIT · AIF · NSE/BSE · PMLA. Five regulated entities, one holding, simultaneously managed.
IT · GST · SEBI · MCA · RBI · FEMA. Multi-subsidiary notice management for CFO offices and treasury platforms.
iMAL · T24 · CBUAE · SAMA · CBB. Live at ADIB. Multi-emirate routing in production.
LEANM is built on the Crayon Data platform that powers AI systems at some of the region's most demanding regulated institutions. Not a startup's first banking API call.
Book a 45-minute walkthrough tailored to your segment and jurisdiction.
The volume of notices, the number of regulators, and the cost of a missed deadline are all increasing — simultaneously — across every market, every segment, and every function inside your organisation.
This is not a software gap. This is an operational crisis that compounds every quarter regulators increase their enforcement velocity.
Each notice type has a different regulator, format, SLA, legal consequence, and required response function. A bank receives all seven simultaneously. Currently managed by the same team, with the same email chain.
DRT · NCLT · High Courts · SARFAESI Orders. Legally binding. Missed deadline = contempt of court. 24–72 hr SLA window. Requires legal team triage within hours of receipt.
RBI · SEBI · CBUAE · MAS · AUSTRAC. Policy changes, compliance deadlines, reporting requirements. Volume increasing 30–40% YoY. Current process: someone checks the portal, sometimes.
Income Tax · GST · TDS. Each jurisdiction has different portals, formats, and response windows. Often handled by a separate tax team with no integration to the compliance SLA system.
Financial Intelligence Unit · PMLA enforcement · STR/CTR queries. High sensitivity. Board-level risk. Requires dual approval and full audit trail before any response is filed.
CERT-In 6-hour reporting mandate in India. PDPA in SEA. GDPR-equivalent in UAE. Incident reporting windows are the strictest of all notice types — and most banks breach them routinely.
SWIFT notifications, correspondent bank queries, cross-border payment holds. Require CBS action, not just a response. Currently managed via separate SWIFT team with no compliance integration.
Banking Ombudsman · SEBI · Consumer courts. High reputational risk. Tracked separately from enforcement notices. Response quality directly affects regulator's assessment of the institution.
Every regulatory notice touches multiple functions inside the organisation. The problem is not that any one team is incompetent — it is that there is no shared system connecting them. The breakdown is structural.
The CCO owns all regulatory deadlines but relies on weekly email summaries from five different teams to understand current status. By the time something surfaces, the SLA has often already been breached.
Tax notices, GST queries, and regulatory penalties hit the P&L without warning. There is no system that gives the CFO visibility into pending notice risk before it crystallises into a fine.
Board compliance reporting is a retrospective exercise. By the time the committee reviews notice status, the regulator has already acted. CPS 230 and similar frameworks now require proactive board oversight — which demands real-time data.
Notices enter via a compliance team email forward, stripped of context. The legal team reads every one manually, classifies it themselves, and decides whether to escalate — adding 24–48 hours before any action starts.
The compliance ops team owns the actual workflow execution — acknowledgement, routing, follow-up, logging. They do all of this manually, in a shared spreadsheet that has no SLA enforcement and no escalation logic.
When a court order requires an account freeze or a SARFAESI garnishee, the instruction travels from legal to ops to CBS team via WhatsApp or email — with no audit trail, no approval workflow, no execution log.
The global problem is the same. The specific regulators, deadlines, and enforcement regimes differ sharply by jurisdiction. LEANM tracks all of them.
The root cause is the same — no agentic system — but the regulatory surface, the notice volume, and the compliance failure mode differ sharply by segment.
| Segment | Primary Regulators | Specific Problem | Critical Failure Mode |
|---|---|---|---|
| Commercial Banks | RBI · DRT · NCLT · CERT-In · FIU | 15K+ notices/month across 15+ regulators. Legal, ops, treasury, and CBS teams siloed. | Court order missed due to email routing delay → contempt of court proceedings |
| NBFC / MFI / SFB | RBI DNBS · Ombudsman · Sa-Dhan · MFIN | SBR Upper Layer governance now near-bank standard. PCA risk triggers on ops metrics. Resource-constrained compliance teams. | PCA threshold breached undetected → regulatory intervention before internal escalation |
| Asset Reconstruction Companies | SARFAESI · DRT · NCLT · IBBI · High Courts | 453 active trusts, each with its own enforcement timeline. 950+ lawyer network across 75 courts. No single system tracks it all. | SARFAESI notice missed at trust level → NPA recovery timeline extended by 6–18 months |
| Wealth Management | SEBI LODR · PIT · AIF · NSE/BSE · PMLA | Five regulated entities under one holding, each with independent compliance obligations. PMLA and SEBI converging. | PIT restriction breached across entity boundary → insider trading investigation |
| Corporate Treasury | IT · GST · SEBI · MCA · FEMA · RBI | Multi-subsidiary notice management with no consolidated view. Finance, legal, and compliance operate in separate systems. | GST notice unacknowledged across subsidiary → group-level penalty and interest escalation |
| Islamic Banks | CBUAE · SAMA · CBB · AAOIFI standards | Arabic-language notices require extraction and classification. Sharia board decisions need to be logged in the audit trail alongside compliance actions. | Arabic OCR failure → notice misclassified → Sharia governance gap in audit record |
LEANM is not compliance software. It is a compliance intelligence agent. Two modules work together as one platform — Ops handles the workflow, Intelligence provides the advantage. Every AI action reviewed and approved by the team before execution.
The 5-step agentic engine that handles the complete lifecycle of every regulatory notice — ingestion to CBS action. Runs 24/7 across all portals, all jurisdictions, all CBS systems.
20+ regulatory portals, court systems, SWIFT, email, CBS captured automatically. No manual mailbox. Real-time, 24/7.
AI reads the notice in full — regulator, type, urgency tier, SLA window, owner function, jurisdiction. Confidence score shown. Deadline clock starts immediately.
Assigned to the correct team — legal, ops, compliance, treasury, or board — with SLA countdown visible to all. Auto-escalates if unacknowledged. Zero manual triage.
Response draft generated with peer-institution precedents alongside. Comparable notices surfaced. Regulatory intel in context. Team reviews, edits, and approves before anything is sent.
CBS action where required — freeze, garnishee, transfer — via pre-built connectors. Full audit trail auto-generated. Board-ready compliance dashboard always live.
Notices captured from regulatory portals (RBI COSMOS, SEBI portal, CBUAE, MAS MASNET, AUSTRAC), court systems (DRT, NCLT, High Courts), SWIFT, CBS event triggers, and email — the moment they are issued. No manual mailbox scanning. No batching. Zero dependency on someone remembering to check a portal.
The AI reads the full notice text — not just the subject line — and classifies by: regulator, notice sub-type, urgency tier (Critical / High / Standard), SLA deadline window, jurisdiction, and responsible function (legal / ops / compliance / treasury / board). Confidence score shown. Human override always available. Deadline clock starts from first receipt.
Routed to the correct team with SLA countdown visible to all parties from first receipt. If unacknowledged within the escalation window, auto-escalates to the next level — Ops → Legal → CCO → Board for critical notices. Watchlist tracks patterns across all active notices so emerging regulatory themes surface before they become crises.
Jurisdiction-specific response draft generated. Comparable notices from peer institutions surfaced alongside — how they responded, how fast, and what the outcome was. Regulatory intel feed provides latest context on the issuing regulator's enforcement stance. The team reviews, edits where needed, and approves before anything leaves the platform. LEANM never sends a response autonomously.
For notices requiring CBS action (account freeze, garnishee order, fund transfer, lien marking) — LEANM executes via pre-built CBS connectors after team approval. Full audit trail auto-generated at every step: who acted, when, what was sent, what CBS action was taken. Board-ready compliance dashboard shows live notice status, SLA health, and risk exposure. Quarterly manual summaries become obsolete.
The Notice Intelligence layer turns what used to be pure cost centre into a source of strategic advantage. Know what regulators are doing before they notify you. Know how your peers are responding. Know your own posture in real time.
20+ regulatory portals monitored continuously. New circulars, enforcement actions, and consultation papers mapped to your institution profile the moment they publish — not when someone remembers to check the portal.
Anonymised notice volume and resolution speed by institution tier. Benchmark your compliance posture against the sector average per regulator — know if you are behind before the regulator tells you.
Curated feed of regulatory changes, new circulars, deadline calendars, and consultation papers — per country, per regulator, auto-mapped to your existing notice workflows and team calendar.
How did peer institutions resolve this exact notice type? Precedent matched by notice type, regulator, institution profile, and jurisdiction. The draft is calibrated to what has actually worked — not a generic template.
Live compliance dashboard for board audit committee, CCO, and CFO. Active notices by status, regulator, deadline risk, and team. Replaces the 90-day-lag quarterly summary with real-time visibility.
LEANM plugs into the bank's existing infrastructure without rip-and-replace. Five CBS connectors. Five AI model options. Four deployment modes. One agentic core that works across all of them.
These are the notice types LEANM resolves every day — the ones that currently take 4–7 days of manual work per notice.
CBS-neutral. AI-model neutral. Deployment-mode neutral. LEANM plugs into the bank's existing infrastructure without rip-and-replace. Five CBS connectors. Five AI model options. Four deployment modes.
The same agentic core adapts to local regulatory frameworks, portal structures, language requirements, and CBS configurations across India, UAE, SEA, Australia, and Japan — without architectural rebuilds per market.
Crayon Data has run AI systems at production scale in regulated banking for 13 years. LEANM is built on that foundation — not a startup's first experiment with a compliance API. Live at HDFC Bank and ADIB today.
LEANM does not build a separate product per market. The same engine adapts to the regulatory framework, portal structure, CBS connectors, and language of each jurisdiction — without architectural rebuilds. Each market has its own urgency. Each wave has its own proof point.
Platform deployed. HDFC Bank live. South Indian Bank active evaluation. 12,000+ regulated entities. RBI, SEBI, DRT, NCLT, CERT-In, MCA — 18 live portals. Finacle CBS connector in production.
ADIB live. Arabic OCR in production. 3 active bank conversations. UAE Federal Decree No. 6 (2024) creates urgency. AED 1B fine ceiling now active. CBUAE, DFSA, FSRA all mapped.
MAS + BNM pipeline. T24 and FLEXCUBE connectors ready. SI co-sell active. OJK, BSP, BOT regulatory frameworks mapped. 200+ banks reachable via distribution network.
kAIgentic partnership signed for Japan. AUSTRAC Tranche 2 window open for Australia. APRA CPS 230 board accountability module in build. FSA regulatory translation via kAIgentic.
| Market | Key Regulators | CBS Landscape | Language | Urgency Driver | Status |
|---|---|---|---|---|---|
| 🇮🇳 India | RBI · SEBI · DRT · NCLT · CERT-In · MCA · FIU | Finacle (dominant) · FLEXCUBE · SAP | English | SBR Upper Layer + PCA enforcement + SEBI overhaul | Live · Platform Active |
| 🇦🇪 UAE | CBUAE · DFSA · FSRA · UAE FIU | Temenos T24 · Finastra · Oracle FLEXCUBE | English · Arabic | Federal Decree No. 6 (2024) — AED 1B fine regime | Live at ADIB |
| 🇸🇦 KSA | SAMA · CMA · Zakat, Tax and Customs Authority | SAP · T24 · FLEXCUBE · Local CBS | Arabic · English | SAMA governance framework acceleration 2025 | Pipeline Active |
| 🇸🇬 Singapore | MAS · SGX · CAD · Enforcement Division | Temenos T24 · FLEXCUBE · FIS Systematics | English | MAS Notice 626 · Technology Risk Management Guidelines | Evaluation Stage |
| 🇲🇾 Malaysia | BNM · SC · Labuan FSA · FRIA | T24 · FLEXCUBE · Silverlake Axis | English · Malay | BNM AML/CFT Governance Framework deadline | Pipeline Active |
| 🇮🇩 Indonesia | OJK · BI · LPS · PPATK | FLEXCUBE · T24 · Silverlake · Local CBS | Bahasa · English | OJK prudential reporting expansion 2025–26 | Market Mapped |
| 🇦🇺 Australia | AUSTRAC · APRA · ASIC · RBA | Temenos · Finastra · TCS BaNCS · InfraRed | English | AUSTRAC Tranche 2 + APRA CPS 230 board accountability | Market Ready |
| 🇯🇵 Japan | FSA · BOJ · JSDA · JFSA | NTT Data (Stella Cube) · Fujitsu · Temenos | Japanese · English | FSA enhanced supervisory inspection cadence | Partner Entry |
| Regulator / Court | Scope | SLA Window | LEANM Portal |
|---|---|---|---|
| RBI COSMOS / DAKSH | All scheduled banks, NBFCs, SFBs, payment banks | 7–30 days per circular type | Live |
| SEBI SCORES / SEBI Portal | Capital markets, wealth managers, listed entities, AIFs | 15–30 days (investor grievances) | Live |
| DRT / DRAT — 33 benches | Debt recovery proceedings — banks, ARCs | 24–72 hrs (court orders) | Live |
| NCLT / NCLAT — 16 benches | Insolvency resolution, corporate matters | 24–48 hrs (IBC orders) | Live |
| High Courts — 25 jurisdictions | SARFAESI challenges, writ petitions, appeals | 24 hrs (stay orders) | Built |
| CERT-In | All regulated entities — cyber incidents, data breaches | 6 hours (mandatory) | Live |
| FIU-IND | All REs — STR, CTR, CCR submissions and queries | 7–15 days | Live |
| MCA / IBBI / NCLT | Corporate entities — IBC proceedings, director notices | 14–30 days | Built |
| Income Tax / GST Portals | All entities — scrutiny assessments, demands, appeals | 30 days (assessments) | Built |
Finacle CBS connector running in production. LEANM builds directly on the same integration. No new authentication, no new API contracts, no new security review — connector is already validated for India's largest private bank.
| Country | Regulator | Scope | Status |
|---|---|---|---|
| 🇦🇪 UAE — Mainland | CBUAE | Licensed banks, finance cos., insurance, payment | Live |
| 🇦🇪 UAE — DIFC | DFSA | Capital markets, asset management, insurance | Built |
| 🇦🇪 UAE — ADGM | FSRA | Abu Dhabi Global Market entities | Built |
| 🇸🇦 Saudi Arabia | SAMA · CMA | Banks, insurance, capital markets | Pipeline Active |
| 🇧🇭 Bahrain | CBB | Conventional + Islamic banks, finance cos. | Mapped |
| 🇶🇦 Qatar | QCB · QFMA | Banks, capital markets, QFC entities | Mapped |
| 🇰🇼 Kuwait | CBK | Banks, finance companies | Roadmap |
| Country | Regulator | Key Obligations | CBS | Status |
|---|---|---|---|---|
| 🇸🇬 Singapore | MAS | Notice 626 · Technology Risk Mgmt · MAS 626 AML governance | T24 · FLEXCUBE · FIS | Pipeline |
| 🇲🇾 Malaysia | BNM · SC · Labuan FSA | AML/CFT Governance Framework · PDPA compliance | T24 · FLEXCUBE · Silverlake | Pipeline |
| 🇹🇭 Thailand | BOT · SEC · OIC | Bank supervision circulars · AML enforcement | T24 · FLEXCUBE · Local | Mapped |
| 🇮🇩 Indonesia | OJK · BI · PPATK | Prudential reporting expansion · AML supervision | FLEXCUBE · T24 · Silverlake | Mapped |
| 🇵🇭 Philippines | BSP · SEC · AMLC | Digital banking compliance · AML/CFT notices | T24 · Finacle · Local | Roadmap |
SEA bank CXOs buy through trusted SI relationships — not cold outreach from a compliance AI vendor. TCS, Infosys, Deloitte ME, and regional SI houses already have the relationships. LEANM provides the product; the SI provides the credibility and delivery wrapper.
Temenos T24 and Oracle FLEXCUBE cover ~70% of SEA commercial bank CBS deployments. LEANM's pre-built connectors mean SI partners can propose compliance AI with zero new integration work. The bank's IT team does not need to write a single line of code.
Regulatory notices in Malaysia (Malay), Indonesia (Bahasa), and Thailand (Thai) require language-specific extraction before classification. LEANM's multi-language notice engine handles this via configurable language models — the same architecture that powers Arabic OCR at ADIB.
| Regulator | Scope | Key Obligation | Status |
|---|---|---|---|
| AUSTRAC | ADIs · Tranche 2 entities · Fintechs | AML/CTF Act — Tranche 2 expanding to lawyers, accountants, real estate | Market Ready |
| APRA | ADIs · Insurers · Super funds | CPS 230 — operational resilience, board accountability | Market Ready |
| ASIC | Listed entities · Financial services licensees | Financial conduct · Market disclosure obligations | Mapped |
| RBA | Payment systems · Systemically important banks | Payments oversight · Systemic risk notices | Roadmap |
| Regulator | Scope | Key FSA Actions |
|---|---|---|
| FSA (Financial Services Agency) | All licensed banks, securities, insurance | Annual Supervisory Plans · Business improvement orders · On-site inspections |
| BOJ (Bank of Japan) | Systemically important banks | On-site examination notices · Liquidity oversight |
| JSDA (Japan Securities Dealers) | Securities dealers · Capital markets | Self-regulatory circulars · Compliance audits |
The FSA publishes an Annual Supervisory Plan that targets specific regional banks for enhanced inspection each year. Banks on the list know they are coming — and have 6–12 months to demonstrate improved compliance controls. LEANM's deployment is fastest when there is a known FSA inspection window. kAIgentic's bank relationships allow LEANM to identify these windows proactively.
Same agentic core. Each segment gets different regulatory hooks, CBS connectors, compliance features, and buyer conversations — because a wealth manager's SEBI workflow looks nothing like an ARC's SARFAESI cascade.
Commercial banks receive regulatory notices across 15+ regulators per market, 7 court jurisdictions (in UAE alone), and multiple CBS systems. Manual processes break at 200+ notices/month — LEANM doesn't.
A commercial bank in UAE deals with CBUAE, Dubai FSA, Abu Dhabi Courts (7 jurisdictions), FATF reporting, and SWIFT notices — all in different formats, languages, and SLA windows. In Australia: APRA, AUSTRAC, ASIC, ACCC, and state courts. No unified system tracks all of them.
A court garnishee notice requires account freeze in Finacle or T24 within hours. Today that means a compliance officer calling the IT team, who manually updates the CBS record. Each step is a failure point. LEANM closes the loop: notice → CBS action in minutes, with full audit trail.
UAE Federal decrees arrive in Arabic. Indonesian OJK notices in Bahasa. Japanese FSA notices in kanji. Manual translation before triage adds 2–3 days to every SLA window. LEANM's OCR pipeline reads, extracts, and classifies across all languages before a human opens the document.
Most banks produce a monthly compliance report assembled by hand. The board has no live view of SLA performance, open notices, or how their compliance posture compares to peers. One missed deadline that turns into a regulator enforcement action is the single largest reputational risk a CCO carries.
UAE: 7 emirate courts, each with different formats and SLA rules. Australia: Federal + state courts. Indonesia: OJK + 4-agency complexity. LEANM routes correctly to the responsible team and CBS action path — every time.
Pre-built connectors for Finacle (live), Temenos T24 (live), Oracle FLEXCUBE (built), Finastra Fusion (Q3 2026), SAP Banking (Q4 2026). Account freeze, garnishee, and funds transfer triggered directly — not via email to IT.
Arabic, Bahasa Indonesia, Thai, Japanese, and English — notice extraction and classification works across every language in the AP+ME priority markets. Live today at ADIB (Arabic OCR in production).
SWIFT MT n99 and correspondent bank regulatory notices ingested alongside domestic court and regulator portals — unified inbox for the entire notice universe of a trade-active commercial bank.
Real-time SLA performance, open notice register, overdue escalations, and peer benchmarking — ready for the board pack. One-click compliance certificate generation for any jurisdiction.
Docker container deploys inside the bank's own cloud (Azure UAE, AWS AP-Southeast, on-prem). Zero data egress. Passes data residency requirements in every AP+ME market. CBUAE and MAS compliant.
"Compliance costs in Asia-Pacific financial institutions have grown 3× faster than revenue since 2019 — and the primary driver is notice and regulatory response workflows that have not been modernised."
McKinsey Global Banking Practice, 2024
Islamic banks in the GCC carry the same regulatory notice burden as conventional banks — plus Sharia board oversight, iMAL or T24 CBS specifics, and Arabic-language notice extraction across 7 UAE emirate jurisdictions. No conventional compliance tool was built for this intersection.
In Islamic banking, every automated compliance action requires a Sharia-compliant audit trail — not just a regulator-ready one. The Sharia Board, not just the CCO, must be able to review and certify AI-assisted decisions. Generic compliance tools produce audit trails for CBUAE but not for Sharia governance.
CBUAE Federal Decree No. 6 notices, court orders, and Central Bank circulars arrive in Arabic. Current practice: manual translation before triage begins, adding 1–2 days to every SLA window. At AED 1 billion per violation, a 2-day delay is not a process inefficiency — it is a penalty event.
Dubai Courts, Abu Dhabi Courts, Sharjah Courts, Ras Al Khaimah — each operates independently with different notice formats, response windows, and escalation contacts. An Islamic bank operating across the UAE is managing 7 distinct compliance micro-jurisdictions with a single compliance team.
Many GCC Islamic banks run iMAL (Path Solutions) or Temenos T24 with Islamic modules. Regulatory notice → CBS account action currently requires manual bridge between compliance team, IT team, and CBS admin. LEANM's iMAL connector automates that bridge on Day 1.
Every AI classification, routing, and draft decision is logged with the regulatory basis and Sharia governance reference. Exportable for Sharia Board review — not just CBUAE inspection. The first compliance AI that speaks to both compliance officers simultaneously.
Live at ADIB in production. Arabic notice text extracted, classified, and routed in seconds. Federal decree references, court case numbers, and SLA deadlines identified from Arabic documents before manual review begins.
7 UAE emirate courts mapped with distinct SLA rules, escalation paths, and response templates. Notice arrives → jurisdiction identified → correct team routed → CBS action triggered. Zero manual routing decisions.
Pre-built connectors for iMAL (Path Solutions Islamic core) and Temenos T24 with Islamic banking modules. Account freeze, Murabaha settlement hold, and customer remediation actions triggered directly from the compliance workflow.
Saudi Arabia's SAMA operates differently from CBUAE — different notice formats, different Sharia governance frameworks (AAOIFI standards), different escalation paths. LEANM handles both simultaneously for GCC-footprint Islamic banking groups.
Bank Negara Malaysia's Islamic finance regulatory framework — IFSA 2013 obligations, BNM notices on Shariah compliance, and Malaysia's dual-banking system (Islamic + conventional parallel) — fully modelled in LEANM's routing engine.
90+ RBI circulars a year. Scale-Based Regulation layers. SARFAESI, DRT, NCLT, Ombudsman, CERT-In — all simultaneously. LEANM is the first agentic platform built specifically for how NBFCs, MFIs, and SFBs manage their regulatory and legal notice load.
Scale-Based Regulation created Base, Middle, Upper, and Top Layer obligations — each with distinct thresholds, governance norms, and reporting requirements. Most compliance teams are still operating on pre-2022 playbooks while the circulars keep coming: NBFC Ombudsman Scheme, Internal Ombudsman mandate, revised PCA triggers, and 2024 co-lending audit requirements.
A mid-tier NBFC is simultaneously managing notices from RBI (DNBR/DBR), MCA/ROC, DRT, NCLT, SEBI (if listed), Enforcement Directorate (PMLA), and state consumer forums. None of these systems talk to each other. The result: a Frankenstein of email threads, spreadsheets, and missed responses.
CERT-In mandates cyber incident reporting within 6 hours. The NBFC Ombudsman Scheme requires resolution within 30 days. DRT Securitisation Applications require response within 45 days. Missing any of these is not a compliance issue — it becomes a regulatory event that invites inspection.
Ujjivan, Jana SFB, Bandhan, AU — these institutions graduated from NBFC-MFI to full banking licensees but retained their microfinance portfolio. They now face the complete RBI banking compliance framework PLUS the Sa-Dhan/MFIN code, household income caps, indebtedness limits, and MFI-specific Ombudsman routing — simultaneously.
Knows which SBR tier your institution belongs to and applies the correct obligation set. When the RBI triggers a tier migration (e.g., Upper → Top Layer), LEANM automatically recalibrates your compliance universe — no manual reprogram of rules.
When a cyber incident trigger fires, LEANM immediately generates the CERT-In incident report draft, pre-fills known incident parameters, routes to CISO and CCO simultaneously, and tracks the 6-hour countdown. The human review gate is the only step that cannot be automated.
For NBFCs eligible under SARFAESI (AUM >₹100Cr), LEANM tracks the full enforcement cascade: S.13(2) demand notice → S.13(4) possession notice → DRT proceedings → HC writs — per account, per borrower, with status and deadline tracking.
Sa-Dhan and MFIN codes embedded into the notice classification engine. Tracks household income cap adherence (₹3L/year), ₹2L indebtedness limits, and customer protection norms that the RBI Ombudsman scrutinises most closely during inspections.
Handles the full banking regulatory load (RBI Banking Regulation Act, SLR/CRR, FEMA) and the NBFC-MFI legacy obligations (Ombudsman routing, income norms, MFIN code) within the same platform — the only tool designed for SFBs' unique dual burden.
Manages the mandatory Internal Ombudsman routing for NBFC-MFIs with AUM >₹100Cr — complaint classification, 30-day resolution tracking, SLA alerting, and automatic escalation to the NBFC Ombudsman if the internal resolution window closes.
Agentic notice intelligence for wealth management firms — managing SEBI, AMFI, PFRDA, FIU-IND, and client-level compliance obligations simultaneously, across every entity in your group. Not a ticketing system. An autonomous compliance command centre.
IA + PMS + MFD + AIF + NBFC-ND — each carries its own SEBI, AMFI, or PFRDA registration with distinct circular sets, inspection cycles, and reporting requirements. None of these systems talk to each other. The Group CRO is managing five different compliance universes from five different spreadsheets.
The 2024 Master Circular tightened suitability assessment, risk profiling, disclosure, and grievance redressal obligations simultaneously. Most wealth manager compliance teams are still operating on pre-2024 playbooks while SEBI's inspection rhythm has accelerated significantly.
Every UHNI client has a KYC expiry date, a risk profile refresh obligation, and a suitability assessment cycle. At 4,000–5,000 clients, this is a daily operational burden — not a periodic exercise. Miss a suitability breach and it shows up in the next SEBI inspection as a systemic failure.
Wealth managers serving NRI/foreign client books carry FEMA reporting obligations alongside PMLA's suspicious transaction reporting requirements. Both land on the same compliance team, require cross-entity coordination, and have statutory filing windows that don't care about your other deadlines.
Entity-level audit trail assembled in hours, not days. Prior correspondence history surfaced automatically. When a SEBI inspection notice arrives, your response isn't assembled in a panic — it's already organised. The first wealth management tool that treats inspection readiness as a daily operating state.
KYC expiry dates, risk profile refresh cycles, and suitability breach detection — managed at UHNI scale. Proactive outreach triggers before SEBI can flag the breach. First wealth manager tool that treats client compliance as an operational workflow, not a periodic exercise.
Category I, II, and III AIF regulatory differences mapped. Placement memorandum compliance, investor notice tracking, and SEBI AIF reporting obligations handled within the same platform as IA/PMS notices — no separate compliance workflow for your AIF entity.
Suspicious transaction trigger → STR draft → GC review → FIU-IND filing — all within the statutory window. Cross-entity coordination handled automatically when the same client appears across IA and PMS entities.
Single view of notice load, resolution status, and inspection risk across all entities simultaneously. The board-level compliance visibility layer that Group CROs have been asking for but no tool has delivered.
Your UHNI clients have the same multi-entity compliance problem you have. LEANM becomes a premium compliance intelligence service you offer to high-net-worth promoter families — creating a recurring revenue layer from relationships you already own.
Agentic enforcement intelligence for Asset Reconstruction Companies — managing 400+ active trusts, 30–90 day statutory deadlines, and lawyer panels across 10 jurisdictions simultaneously. Not just notice management — enforcement operations at trust scale.
A single SARFAESI Section 13(2) demand notice on a defaulting borrower triggers a sequence: demand period, Section 13(4) possession notice, DRT challenge handling, possible HC writ, and eventual sale notice. Each stage has its own deadline, legal team, and court jurisdiction. A 450-trust ARC has hundreds of these cascades running simultaneously.
Each Securitisation and Reconstruction Trust (SRT) is a distinct legal entity — with its own RBI ARC registration obligations, notice obligations, and PMLA reporting requirements. A legal notice to Trust 247 is not a legal notice to Trust 248. The ARC's compliance team is effectively running compliance for hundreds of entities simultaneously.
A large ARC's lawyer panel spans every state, every DRT bench, and multiple High Courts. Briefings, case documents, court dates, and response deadlines are managed by email thread and WhatsApp message. When a lawyer misses a DRT filing, an enforcement cascade fails. The cost is not a compliance mark — it is a recovery loss.
ARCs are regulated by RBI as financial institutions while simultaneously running enforcement operations across DRT, NCLT, and HC. Annual RBI inspection readiness requires a clean notice register, response history, and lawyer governance documentation — assembled while running daily enforcement operations across hundreds of trusts.
Reads the notice, identifies notice type (S.13(2) demand / S.13(4) possession / DRT summons), SARFAESI enforcement stage, trust ID, borrower account, statutory deadline, and required response authority — in seconds. No manual triage across hundreds of trusts.
Routes to the correct trust's legal team, the appropriate DRT bench's response template, and the right lawyer from the panel — based on jurisdiction, case type, and urgency. No manual routing decisions across a 450-trust portfolio.
Lawyer briefings, case document packages, court date alerts, and response deadline tracking — all managed within the platform. When a DRT date changes, the lawyer gets an automated brief update, not an email thread that gets missed.
Enforcement cascade status across the full trust portfolio — which accounts have cleared demand, which are in DRT proceedings, which have reached HC writs, and which have recovered. The COO finally has a live recovery dashboard, not a monthly Excel from the legal team.
Entity-level audit trail for all trusts — notice register, response history, PMLA compliance documentation, and lawyer governance records — assembled automatically. When RBI's annual inspection arrives, readiness is a button press, not a 3-week war room exercise.
Notice Pulse extended to ARC-specific intelligence: IBBI announcements, NCLT trends in stressed asset resolution, DRT bench patterns, and peer ARC enforcement velocity. Know when the DRT Bench is clearing cases faster — and move your recovery calendar accordingly.
Corporate banking teams manage regulatory notices at two levels simultaneously: notices to the bank itself (from RBI, SEBI, CBUAE) and notices triggered by corporate client activity (tax attachments, court garnishees, FEMA violations, PMLA alerts). Both arrive in the same inbox. Neither can be missed.
A corporate banking team receives notices from RBI/CBUAE about the bank's own compliance obligations — and also receives garnishee orders, court attachments, tax notices, and PMLA alerts triggered by specific corporate clients. These require completely different response workflows but arrive through the same channels with the same urgency.
A court garnishee order received by the corporate banking team must be executed in the CBS system — account flagged, funds frozen, court acknowledgement generated — within the statutory window. Today this requires 3–4 handoffs: legal team → branch manager → IT → CBS admin. Each handoff is a failure point and a SLA risk.
Corporate banking teams managing international trade finance receive FEMA violation notices, SWIFT instruction queries, and correspondent bank regulatory flags — all requiring coordination between the RBI compliance team, FEMA team, and the corporate client's own compliance officer. No tool currently unifies this three-way coordination.
A single large corporate client with complex transaction patterns can generate multiple simultaneous PMLA alerts, FATF enquiries, and ED (Enforcement Directorate) notices — all requiring immediate response from different teams. The concentration of regulatory risk in one client relationship creates the potential for a systemic compliance failure.
Automatically distinguishes bank-level regulatory notices (inspection, circular, directive) from client-triggered notices (garnishee, FEMA, PMLA alert, tax attachment) and routes each through the correct workflow — without manual triage to separate them.
Court garnishee → CBS account freeze in minutes, not hours. Tax attachment → customer notification generated automatically. Finacle and T24 CBS connectors close the loop from notice receipt to system action — with full audit trail for the court order response.
FEMA violation notices, SWIFT MT n99 regulatory queries, and RBI overseas banking compliance notices — all ingested into the same platform. Cross-border coordination workflow automatically loops in the FEMA team, the relationship manager, and the corporate client's compliance contact.
Tracks AML/PMLA notice concentration by corporate client. When a single client generates 3+ AML flags in 30 days, the Relationship Manager, Compliance Head, and CCO are alerted automatically — before the pattern becomes an ED action.
Letters of Credit, Bank Guarantees, and Standby LC compliance notices — managed as structured workflows. RBI's LC regulatory changes, CBUAE trade finance circulars, and MAS trade finance guidelines all auto-mapped to the relevant transaction book.
Premium service for large corporate clients: monthly regulatory notice summary for their relationship, PMLA status report, and upcoming compliance deadlines relevant to their account structure. Deepens the relationship and makes switching harder.