Getting AI into production · Banks, remittance providers & Central Banks

AI pilots do not die on the model. They die at the approval chain.

I build AI agents that take manual review off compliance and operations teams, and I get them past the desks that stop most of this work. Compliance, security, architecture, platform engineering. The agent runs in your cloud, on your architecture standards, cleared before anyone is asked to use it. Fourteen years inside banks and payment companies, on the other side of that table.

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Runs in your cloud
Your account, your data rules, your pipelines. Never mine.
Cleared before it is built
Compliance, security, architecture and platform engineering sign off first.
Your engineers on the build
Not a handover at the end. They are on it from the first commit.
You own it after
The capability stays with the institution, not with me.
Who I serve

Institutions that carry a heavy manual review load.

Different mandates, same problem. People reading files by hand because nothing else could be trusted to.

01

Fintechs

Scaling fintechs whose compliance function was built for a tenth of today's volume, and who need to clear a bank partner's due diligence.

Clear the bar →
02

Banks

Retail and commercial banks whose KYC, screening, and correspondent due diligence still run on analysts, email, and spreadsheets.

Automate the review →
03

Payment & remittance companies

Money transmitters and payment firms carrying heavy compliance load per transaction. Correspondent onboarding, screening, and the manual review that scales badly as volume grows.

Cut the manual load →
04

Governments & Central Banks

Supervisors and central banks weighing digital ID, reusable KYC, and interoperable fast payments. The infrastructure decisions that determine who gets into the financial system at all.

Build the rails →
Why now

The bottleneck moved. It is no longer the model.

Compliance and operations headcount scales with volume. Agents do not. Institutions that get AI into production first will run the same book with a fraction of the manual review, and the ones that stall will stall on governance, not on models. That is the gap Pontarch closes.

The models are ready. The plumbing is not.

Capability stopped being the constraint. Getting an agent inside a regulated institution's cloud, controls, and approval chain is the constraint now.

Compliance load is rising, not falling

BSA/AML obligations, OFAC screening, and FATF correspondent due diligence expectations keep expanding. Headcount cannot keep pace with transaction growth.

Audit trails decide what ships

Model risk guidance expects a decision to be explainable and reviewable. An agent that cannot show why it cleared or escalated a file will not survive an examiner, however good it is.

Pilots die at the approval chain

The demo lands. Then security, architecture, and platform engineering each ask a question nobody prepared for. That is where most AI work stops.

The principal

The person you hire is the person who does the work.

Rudy Rocourt, Principal of Pontarch Advisory

Pontarch Advisory is led by Rudy Rocourt. He architects the future of payments for unbanked populations around the world.

Rudy spent fourteen years in international finance and financial technology before founding the firm. The work took him through Citibank, BNY Mellon, and Viamericas, across the U.S., India, and the Caribbean. After the 2010 earthquake he returned home to head Citibank Haiti’s Treasury department, where he saw how much of the economy runs on diaspora remittances. He went on to found and run Jetli, a cross-border payments platform that delivered goods to families in Haiti within 48 hours with no transfer fees, backed by USAID’s Development Innovation Ventures.

That path shapes how he works now. Rudy has worked inside banks and he has shipped a payments product with real users and real regulators. He builds for the people who have to live with the system after the consultant leaves. He maps how a team actually works today before designing anything, and builds shoulder to shoulder with client engineers, to their architecture standards, so the product arrives already approved. He works as a forward deployed engineer. Embedded with your team, building in your cloud, to your standards.

One person is a fair thing to worry about. So the work is built so it does not depend on me. The code lives in your repositories, deploys through your pipelines, and runs in your cloud. Your engineers are on it from the first commit, not briefed at the end. If I disappeared in month four, your team would still have a system they helped build and can maintain. That is the design, not a reassurance.

Rudy RocourtPrincipal, Pontarch Advisory
Fourteen years inside these institutions
CitibankBNY MellonViamericas
Jetli was backed by
USAID Development Innovation VenturesWFP Innovation Accelerator
Focus areas

Four things. Done properly.

A short list on purpose. These are the areas I have built in, not a catalogue.

AI agents for KYC and compliance review

Compliance analysts spend their days reading files, screening names against OFAC and sanctions lists, researching adverse media, and chasing missing documents. An agent can take most of that. The hard part is doing it so the audit trail survives an examination, so a reviewer can see why the agent cleared or escalated a file, and so false positives land somewhere a human can work them.

What gets built
  • Agent-assisted KYC file review
  • OFAC and watchlist screening with a readable audit trail
  • Adverse media research, summarized for a reviewer

Correspondent and partner onboarding

Onboarding a correspondent bank means collecting documents, shareholder and officer data, and screening every name attached. Most institutions run it over email. A self-service portal moves the work to the counterparty, validates as it goes, and exports files the compliance engine can actually consume.

What gets built
  • Self-service document and data collection
  • Shareholder and officer capture, screening-ready
  • Export to OFAC and compliance systems

Cross-border payments and remittances

Cross-border money movement is where the friction and the margin live. I have run treasury inside a bank, built a remittance product, and worked at a money transmitter. Corridor strategy, partner and correspondent networks, wallet and direct-to-bank payout, priced and sequenced against what the institution can actually deliver.

What gets built
  • Corridor and remittance strategy
  • Correspondent and partner network design
  • Wallet and direct-to-bank payout roadmaps

Enterprise AI adoption

Most AI pilots die between the demo and production. Not because the model is wrong, but because the system never cleared security, never fit the architecture, and never got signed off by the people who have to live with it. This is the part nobody sells and everybody needs.

What gets built
  • Workflow mapping before design
  • Architecture that passes your security and governance review
  • Capability transfer so your team owns it
How I work

The build is the fast part. Adoption is the engagement.

A prototype can be standing in a week. Getting it into production inside a regulated institution is the actual job.

STEP 01

Map the work as it is done today

Before anything is designed, I sit with the team and watch how a file actually moves. What gets checked, what gets skipped, where the judgment lives. The agent gets designed around that reality, not around a process diagram.

STEP 02

Design to your architecture standards

Your cloud, your backend, your existing tools, your security and governance review. I read your engineering standards and build to them from the first commit, so nothing has to be rebuilt to pass review later.

STEP 03

Clear every desk before the build

Compliance, security, architecture, and platform engineering each hold a veto. I get in front of all of them early. Teams do not reject new systems because they fear them. They reject what never cleared the room, and one holdout is enough.

STEP 04

Build alongside your engineers, then hand it over

I build shoulder to shoulder with your team so the system holds up after I leave. The goal is not a dependency on me. It is a capability your institution owns.

The studio

The firm advises. The studio builds.

Pontarch is an advisory firm with a studio inside. The studio is where the build gets done. Nothing gets recommended that has not been built and tested first.

Agents
KYC review, OFAC screening assist, and adverse-media research agents, built for a human reviewer to sign off
Portals
Correspondent and partner onboarding portals that collect documents and export screening-ready files
Research
Market studies and working papers on remittance corridors, fast payments, and e-KYC that back the advice
Current work

What I am building now.

Client names withheld. Nothing here is a projection.

US remittance provider

KYC automation and self-service correspondent onboarding, exporting OFAC-ready files.

In buildarchitecture approved, shipping inside the client’s own AWS environment
Caribbean commercial bank

Digital payments and cross-border remittance strategy.

Advisorysix-month engagement, reporting to the CEO
Governments & multilaterals

e-KYC, fast payments, and interoperability to bring the unbanked into the financial system.

In motionworking with a central bank and multilateral funders to turn a national financial-inclusion strategy into buildable infrastructure
From the studio

Market research on remittance corridors, wallets, and the economics of inclusion.

Ongoinga remittance market study presented to a bank’s executive committee, plus working papers on fast payments and e-KYC
Engagement models

Work with me your way.

I name the model, not a price tag — every scope is different. I quote after a first conversation.

Advisory

For leadership teams who want an experienced person in the room while they set AI strategy.
  • Strategic guidance & roadmap
  • Architecture & vendor review
  • Regular working sessions
Enquire

Standing retainer

For long-horizon work. A standing retainer where I stay involved as the system grows and your team takes it over.
  • Ongoing delivery and support
  • Capability transfer to your staff
  • Named availability, agreed in advance
Enquire
Work with me

Start with one workflow.

Book a 30-minute call. Bring one workflow that eats your team's hours and we will work out whether an agent can take it.

Book a 30-minute call

Or email rudy.rocourt@pontarchadvisory.com