RegTech Software Development

RegTech Software Development Services

Compliance Built In. Audit Ready.

Custom regulatory technology software for financial institutions. KYC/KYB onboarding, AML transaction monitoring, regulatory reporting automation, and AI-powered compliance workflows built for BFSI compliance teams.

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Reliable partner

Experienced team

Smart solutions

Case Study

“The global RegTech market reached $23.43 billion in 2026 and is projected to grow at 20% CAGR to $105.23 billion by 2034.” — Fortune Business Insights

Financial institutions that rely on manual compliance processes face rising compliance costs and the operational burden of managing regulatory obligations across multiple jurisdictions without proportional headcount to match.

Compliance built in

Audit trails, RBAC, and regulatory controls are designed at the architecture stage — not added as a post-launch retrofit when a compliance officer flags a gap before examination.

Full-stack delivery

ML models, KYC/AML API integrations, compliance workflow engineering, and audit infrastructure delivered by a single team — no gap risk between compliance and development layers.

Regulated industry depth

MasterControl FDA/GxP compliance engineering, Credible TILA lending regulation, and financial crime prevention for US financial institutions — domain experience that transfers across regulatory environments.

60% senior engineers

Senior compliance software developers with 5-plus years of regulated domain experience lead every regtech engagement — not junior teams navigating regulatory requirements for the first time.

Multi-jurisdiction coverage

BSA, FinCEN, FATF, AMLD5/6, PSD2, DORA, GDPR, and MiCA — regulatory and compliance frameworks across US and EU jurisdictions mapped at the architecture stage.

300+ projects delivered

Across financial services, healthcare, retail, and enterprise software — 300-plus completed projects demonstrate the delivery depth that regtech platform builds require.

“In the case of Zoolatech, it's a very tight partnership.

The team at Zoolatech is incredibly collaborative, and we work as a team despite being thousands of miles away from each other.”

Spencer Rascoff

CEO Match Group

5/5

“Zoolatech has been a key technology partner for Pandora,

enhancing our software development and deployment capabilities. They're ambitious, supportive, fast-moving, and well-skilled, with sound ethical values.”

Erika Romsics

Contract and Vendor Manager, Pandora

5/5

“The apps they’ve developed give us the opportunity to get more customers.

We’re providing more services to target big customers. We can install jobs faster and identify reduce bottlenecks, so we’re providing a better customer experience.”

Aida Youssef

Senior Director of Software Engineering, Complete Solaria

5/5

“Zoolatech has access to a deep talent pool and knows how to identify client's needs.

With the help of Zoolatech, went from a very early and incomplete prototype to the MVP release, the first production release, and the first paying customer!”

Greg Wagenhoffer

CEO, GreenVisr

5/5

“Zoolatech enabled us to build a world-class engineering team quickly and efficiently.

Zoolatech's pre-screening process and engineer training are customized for providing effective engineers that can contribute immediately to accelerating product roadmaps.”

Shariq Minhas

CTO, SVSG

5/5

“We can recommend Zoolatech

for their talent pool, attention, ability to understand our requirements, candidate screening process and constant communication.”

Chaitanya Pallapothula

SVP, Tailored Brands, Inc.

5/5

“Zoolatech’s developers quickly became an integral part of our team effort

with whom we shared daily stand up calls. Overall, Zoolatech fit well with our needs for agile development and continued to adapt as our needs evolved.”

Forrest Glick

UX Designer, Stanford University

5/5

“Working with Zoolatech has been a driving force in our business offerings.

The team utilizes it's experience and expertise meshing with our internal team creating a positive work environment. Zoolatech is by far one of the best teams to work with in the industry.”

Kris Naidu

CEO, Zeacon

5/5

KYC and KYB onboarding

Digital customer and business verification for regulatory compliance

Digital KYC onboarding with document scanning, liveness detection, and automated identity verification workflows
KYB onboarding covering director verification, UBO checks, and business registration validation for corporate clients
Jumio and Onfido integration for document AI extraction and liveness check automation in KYC workflows
Progressive KYC update workflows — ongoing monitoring and triggered re-verification for existing customers
PEP and sanctions screening against OFAC, UN, EU, and national sanctions lists at onboarding and ongoing
Regtech solutions to simplify customer onboarding while maintaining compliance with financial regulations and AML obligations

AML transaction monitoring

Rule-based and ML transaction monitoring for financial crime detection

Rule-based AML transaction monitoring covering velocity checks, threshold alerts, and pattern-based detection rules
ML anomaly detection trained on transaction behavioral baselines — reducing false positive rates by 40 to 60% versus rule-only systems
Real-time transaction screening against OFAC sanctions lists and PEP databases at point of transaction
Risk-based alert prioritization and case management workflow for AML compliance teams
SAR filing automation — suspicious activity report generation, narrative drafting, and regulatory submission workflow
Regtech solutions for banks requiring automated AML compliance monitoring across high-volume transaction environments

Regulatory reporting

Automated filing, multi-jurisdiction reporting, and regulatory management

Automated SAR, CTR, and Form 8300 filing workflows for US BSA regulatory reporting obligations
Multi-jurisdiction regulatory reporting covering EU AMLD, PSD2, DORA, and MiCA reporting requirements
Regulatory calendar tracking and deadline management for compliance teams managing multiple reporting obligations
Report generation automation pulling structured data from compliance systems into regulator-specified formats
Audit-ready report versioning and change history — every regulatory submission logged as an immutable compliance record
Regtech platform integration with existing core banking and payment systems for automated data extraction and reporting

Compliance workflow

Case management, escalation routing, and audit trail engineering

Compliance case management system with investigation workflow, evidence attachment, and resolution tracking
Automated escalation routing based on risk score thresholds — high-risk cases routed to senior compliance officers
Immutable audit trail generation for every compliance action, system event, and data change — regulatory-grade logging
Policy management and change control workflows for regulated environments with full version history
Compliance monitoring dashboards giving compliance teams real-time visibility across all active regulatory obligations
Compliance software integration connecting regtech workflow systems to core banking, CRM, and reporting platforms

Financial crime prevention

Fraud scoring, network monitoring, and behavioral data analysis

ML fraud scoring models trained on transaction patterns and behavioral signals for financial crime detection
Graph analytics for money laundering ring detection — network analysis identifying shell company structures and layering patterns
Synthetic identity fraud detection and application fraud ML models integrated into onboarding and transaction workflows
Behavioral analytics platform tracking customer activity deviations from established baseline patterns over time
Document fraud detection using computer vision and NLP for identity document validation at onboarding
AI-driven compliance alerts with explainable AI outputs — every financial crime alert includes an audit-ready explanation

Regulatory change management

Horizon scanning, impact assessment, and compliance gap analysis

Regulatory horizon scanning automation monitoring regulatory publications, guidance updates, and enforcement actions
Impact assessment workflow mapping regulatory changes to affected systems, processes, and compliance obligations
Compliance gap analysis tools comparing current compliance posture against incoming regulatory requirements
Regulatory change tracking database maintaining version history of compliance frameworks and obligation mapping
Automated compliance team notification and task assignment for regulatory change implementation workflows
Regulatory framework integration keeping compliance systems current with jurisdictional rule updates across US and EU markets

Third-party risk

Vendor oversight, due diligence, and ongoing compliance monitoring

Vendor onboarding workflows covering due diligence, risk assessment, and compliance documentation collection
Third-party risk scoring models evaluating operational, cybersecurity, financial, and regulatory exposure
Ongoing vendor monitoring with automated alerts for compliance changes, incidents, and control deficiencies
Centralized repository for contracts, certifications, audit reports, and regulatory evidence management
DORA, FFIEC, and OCC-aligned third-party oversight workflows for regulated financial institutions
Board-ready reporting dashboards providing visibility into vendor risk posture and remediation progress

“AI-powered RegTech solutions reduce AML false positive rates by up to 60%, cutting compliance costs and freeing compliance teams to focus on genuine financial crime risk.” — McKinsey & Company

AI-driven compliance automation helps financial institutions navigate the complex regulatory landscape without scaling compliance headcount linearly.

BSA and FinCEN requirements

Bank Secrecy Act and FinCEN Customer Due Diligence Rule compliance — covering AML program requirements, SAR filing, CTR reporting, and OFAC sanctions screening for US financial institutions managing complex regulatory obligations.

FATF and AMLD frameworks

FATF 40 Recommendations implementation and EU Anti-Money Laundering Directive compliance — AMLD5 and AMLD6 requirements for beneficial ownership, enhanced due diligence, and cross-border compliance and regulatory reporting obligations.

GDPR and CCPA data privacy

Compliance with data protection regulations — GDPR consent management, data subject rights automation, data retention policies, and cross-border data transfer compliance for regtech platforms serving EU and US customers.

PSD2 and DORA requirements

PSD2 compliance for payment initiation and open banking, and DORA Digital Operational Resilience Act requirements covering ICT risk management, incident reporting, and third-party provider oversight for EU financial institutions.

MiCA and crypto regulation

EU Markets in Crypto-Assets Regulation compliance for financial institutions and fintech companies operating crypto payment services — covering licensing requirements, compliance monitoring, and consumer protection obligations under MiCA.

SEC and FINRA obligations

Trade surveillance, best execution monitoring, and regulatory reporting for broker-dealers under SEC and FINRA obligations — compliance software covering regulatory and compliance reporting, examination readiness, and automated audit trail management.

Step 1

Regulatory mapping and discovery

Every regtech software development project begins with a structured discovery phase mapping regulatory requirements by jurisdiction — BSA, FinCEN, FATF, AMLD, GDPR, PSD2, DORA — alongside existing compliance systems and manual compliance processes. The output is a compliance obligation register and system architecture blueprint that guides every subsequent development decision. This is the foundation for implementing regtech solutions that achieve regulatory compliance from day one rather than retrofitting controls after delivery.

Step 2

Compliance architecture and system design

RegTech platform architecture decisions — compliance data model, audit trail design, workflow engine, and AI model integration layer — are made before development begins. Zoolatech designs compliance systems using domain-driven design principles with audit logging, access controls, and regulatory reporting data flows built into the platform architecture from the outset. The software architecture stage produces an integration design that prevents compliance gaps during regtech implementation and supports compliance officers during regulatory examination.

Step 3

Development and integration

RegTech software development at Zoolatech covers compliance workflow engineering, KYC/AML API integration, regulatory reporting automation, and AI model implementation in a single development process. The team integrates Jumio, Onfido, OFAC sanctions screening APIs, and regulatory data providers alongside compliance workflow and case management systems. Building regtech solutions at this stage requires software engineering depth across both compliance domain requirements and the regulatory technology infrastructure they connect to.

Step 4

Compliance testing and validation

RegTech software requires testing that goes beyond functional QA. Zoolatech validates KYC onboarding accuracy, AML detection rate and false positive rate, SAR filing workflow completeness, audit trail immutability, and AI model explainability before any compliance system moves toward production. This is one of the key features of regtech delivery that separates compliance-grade software from standard enterprise application testing — regulatory examination readiness is a test output, not an assumption.

Step 5

Deployment and ongoing compliance

RegTech deployment follows change management processes aligned to banking regulator and compliance team requirements — with full audit trail of every system change. Post-launch support covers regulatory change management as the regulatory landscape evolves, AI model retraining, compliance monitoring expansion, and ongoing regulatory reporting updates. Zoolatech structures post-launch engagement to maintain compliance continuously — so financial institutions invest in regtech once and keep compliance systems current with the latest regulatory obligations across jurisdictions.

Python

Apache Kafka

Onfido

REST API

Neo4j

TensorFlow

Salesforce Financial Cloud

AWS

PostgreSQL

Elasticsearch

React

Docker

Kubernetes

and other

Compliance built in, not bolted on

Audit trails, RBAC, and regulatory controls are designed at the architecture stage — so regtech solutions provide compliance-grade infrastructure from the first production deployment, not after the first regulatory examination flags a gap.

Regulated industry depth transfers

Engineering experience across FDA/GxP compliance for MasterControl, TILA lending regulation for Credible, and financial crime prevention for US enterprise clients means Zoolatech applies compliance engineering principles — not just software engineering principles — to every regtech engagement.

AI governance for regulated environments

AI-powered compliance workflows are delivered with explainability, audit trails, model monitoring, and documented governance controls, helping compliance teams adopt automation without sacrificing examination readiness.

RegTech software development engagements at Zoolatech are structured for predictable delivery — defined regulatory scope, phased milestones, and a dedicated compliance software development team that owns compliance outcomes from architecture to regulatory examination readiness.

98%

Client retention rate

96%

Client satisfaction rate

Map obligations before architecture

Regulatory requirements and compliance obligations must be documented before system design begins — not discovered during development or examination. Zoolatech produces a compliance obligation register in the discovery phase that drives every architecture and data model decision in the regtech platform build.

Design audit trails as first-class outputs

Immutable audit logging covering every compliance action, data change, and system event is a non-negotiable regtech platform requirement. Zoolatech engineers audit trail infrastructure as a core system component — not a logging module added before go-live — so compliance teams have examination-ready records from day one.

Govern AI before deployment

Compliance AI systems require documented model governance, explainability for every decision, and bias monitoring before production deployment. Zoolatech operates under AI management certification, so AI-driven compliance features are regulatory examination ready before they process a single compliance event.

Plan for regulatory change from day one

The regulatory landscape evolves continuously — regtech platforms that cannot adapt to regulatory change become compliance liabilities within 12 to 18 months of delivery. Zoolatech designs regtech solutions with regulatory change management capability built in — so compliance systems remain current as regulatory obligations update across jurisdictions.

Explore All Services

AI & ML services

AI for AML detection, fraud scoring, compliance automation, and regulatory reporting.

Custom software development

Custom compliance platforms and regulatory technology systems built to your obligations.

Legacy application modernization

Modernize legacy compliance systems without disrupting live regulatory reporting operations.

Cloud development services

Compliance-grade cloud infrastructure on AWS and Azure for regtech platform backends.

DevOps services

Compliance-aware CI/CD and change control processes for regulated financial environments.

Team extension services

Senior compliance software developers embedded into your engineering team.

Software and technology

Digital products and enterprise platforms for technology companies, SaaS providers, and software businesses.

Retail

Commerce platforms connecting stores, fulfillment, payments, inventory, and customer experiences.

Fintech

Financial systems for payments, lending, digital banking, and compliance automation.

Healthcare

Healthcare platforms supporting clinical workflows, patient data management, and regulatory compliance.

Telecom

Telecom engineering for subscriber management, network operations, billing, and infrastructure.

Energy

Energy platforms for infrastructure monitoring, asset management, and field operations.

Travel

Travel applications for booking, loyalty programs, passenger journeys, and customer engagement.

Logistics

Supply chain software for shipments, inventory management, transportation, and fulfillment.

E-Commerce

Digital commerce solutions supporting customer experiences, transactions, operational efficiency, and business growth.

AI Multilingual Chatbot for Financial Assistance

24/7 multilingual

support enabled through an AI chatbot.

Lower operational costs

achieved by automating FAQs and loan pre-qualification assistance.

Helping Improve a Lending Solution

100%

digitalized application process across lending workflows.

3 min

minutes to compare refinance rates online instantly.

At Zoolatech, we create engineering teams for industry leaders across the US and Europe — teams that move fast, think big, and deliver strong impact.

96%

Client Satisfaction

300+

Successful Projects

2017

Year Founded

98%

Retention Rate

At Zoolatech, we create engineering teams for industry leaders across the US and Europe — teams that move fast, think big, and deliver strong impact.

Engineering Excellence. Every Time.

At Zoolatech, we create engineering teams for industry leaders across the US and Europe — teams that move fast, think big, and deliver strong impact.

600+

Employees

Headquarters

USA

Development Centers

Start Your RegTech Software Project

Tell us your regulatory obligations, compliance system requirements, and jurisdiction coverage. Zoolatech scopes a compliant regtech software development approach within 48 hours.

Questions You May Have

What is RegTech software development?

RegTech software development is the engineering of regulatory technology systems that help financial institutions automate compliance with financial regulations. Regtech solutions cover KYC/KYB digital onboarding, AML transaction monitoring, sanctions and PEP screening, SAR automation, regulatory reporting, compliance workflow orchestration, and financial crime prevention. The global RegTech market reached $23.43 billion in 2026 and is projected to grow at 20% CAGR — driven by financial institutions that invest in regtech to manage compliance at scale.

What are the main types of RegTech solutions?

Main regtech solution categories include identity and KYC/KYB covering digital customer verification, document validation, and liveness checks; AML and financial crime covering transaction monitoring, fraud scoring, and sanctions screening; regulatory reporting covering automated filing and multi-jurisdiction compliance reporting; compliance workflow automation covering case management, SAR workflow, and audit trail automation; and AI-powered risk management covering anomaly detection, behavioral analytics, and explainable AI compliance decisions. Each regtech use case has distinct regulatory requirements by jurisdiction.

How does AI improve regulatory compliance software?

AI-driven compliance automation reduces AML false positive rates by 40 to 60% compared to rule-only systems, using ML models trained on transaction behavioral baselines. NLP automates data extraction from unstructured compliance documents — reducing manual compliance processes and compliance costs. Graph analytics identifies financial crime networks invisible to single-transaction monitoring. Explainable AI provides audit-ready outputs for every compliance decision — a requirement regulators increasingly examine. All Zoolatech AI compliance systems operate under ISO 42001 governance.

What compliance standards do you cover in RegTech software development?

Zoolatech engineers regtech systems for Bank Secrecy Act and FinCEN CDD Rule compliance, OFAC sanctions screening, FATF 40 Recommendations, EU AMLD5 and AMLD6, PSD2, DORA, MiCA for EU crypto regulation, GDPR and CCPA data privacy compliance with data protection obligations, and SEC and FINRA trade surveillance. Multi-jurisdiction regulatory compliance processes are mapped at the architecture stage — not discovered after launch when compliance and risk management gaps are most costly to fix.

What is the difference between RegTech and standard compliance software?

The difference between regtech and standard compliance software is architectural scope. Standard compliance software typically automates a single compliance function — a reporting tool or an onboarding checklist. RegTech software development produces integrated compliance systems covering the full regulatory compliance lifecycle: KYC onboarding, AML monitoring, regulatory reporting, audit trail management, and regulatory change management in a connected compliance platform. Regtech innovations increasingly embed AI across all compliance functions rather than treating each as a separate software module.

How long does RegTech software development take?

A focused regtech solution — a KYC onboarding workflow, a regulatory reporting module, or an AML monitoring system — typically takes 3 to 6 months from discovery to production. A full compliance platform covering KYC, AML, regulatory reporting, and compliance workflow automation runs 9 to 15 months. Timeline depends on regulatory scope, jurisdiction coverage, and AI model training requirements. Zoolatech defines scope and regulatory obligation mapping in a structured discovery phase before committing to a delivery timeline.

Do you have experience building KYC and AML compliance systems?

Yes. Zoolatech has built AI-powered compliance automation systems with full audit trail and automated compliance workflows, GDPR and CCPA consent management platforms, audit logging systems with regulatory-grade immutable event records, and payment fraud management systems for US financial institutions. These cases demonstrate adoption of regtech solutions across core compliance functions. Additional compliance engineering work is held under NDA — architecture walk-through available on request.

What is the future of RegTech and how should financial institutions prepare?

The future of regtech points toward AI-driven compliance automation across the full compliance lifecycle, real-time regulatory reporting replacing periodic batch filing, and regulatory technology solutions that adapt automatically to regulatory change rather than requiring manual system updates. Financial institutions that adopt regtech now build the compliance infrastructure that positions them for the regulatory environment of the next 5 to 10 years. Choosing the right regtech development partner — one that designs for regulatory change from day one — is the most consequential decision in any compliance platform build.

RegTech Software Development Services

Industry Leaders We Work With

Software Development Across the Finance Cluster

“The global RegTech market reached $23.43 billion in 2026 and is projected to grow at 20% CAGR to $105.23 billion by 2034.” — Fortune Business Insights

Custom RegTech Solutions Built for Regulated Environments

Compliance built in

Full-stack delivery

Regulated industry depth

60% senior engineers

Multi-jurisdiction coverage

300+ projects delivered

What Our Customers Say