Iyanu Arowosola

RegGuard AI is an autonomous compliance investigator that never guesses. Given a flagged transaction, it plans an investigation, calls real tools to gather evidence, critiques its own findings, and produces an audit-ready dossier sealed in a tamper-evident hash chain. When evidence is insufficient, it escalates to a human — it does not file, and it does not decide. It solves the investigation problem. Compliance officers have 24 hours to investigate flagged transactions across three disconnected sources — regulations, transaction records, and sanctions watchlists. Manual work is slow and inconsistent; generic AI answers confidently but cannot prove its claims, producing false clears and false accusations. RegGuard AI solves the investigation problem, not the question-answering problem: it proves its conclusions or escalates, with a zero false-clear rate and a human always in the loop. And it can be adopted across regulated financial domains. It is built for commercial and microfinance banks, fintechs and payment service providers, and Bureau de Change operators regulated under CBN AML/CFT rules — all of whom report to the NFIU. The same investigation workflow, with different regulatory corpora and thresholds, applies to institutions under the UK FCA, US FinCEN, and FATF-aligned regimes.