Reg Watch
OCC — Feb 2026 BSA/AML examination proceduresNCUA — 2026 supervisory prioritiesCFPB §1071 small-business data — Tier 1 effectiveOFAC SDN list — monitored, refreshed within 24hFFIEC — updated independent-testing guidanceFinCEN — beneficial-ownership amendmentsOCC — Feb 2026 BSA/AML examination proceduresNCUA — 2026 supervisory prioritiesCFPB §1071 small-business data — Tier 1 effectiveOFAC SDN list — monitored, refreshed within 24hFFIEC — updated independent-testing guidanceFinCEN — beneficial-ownership amendments
AI-native compliance infrastructure · Community banks & credit unions

The operating system for continuous bank compliance.

Fortress decomposes every regulation into an executable test, runs it continuously against your own evidence, and keeps your institution examination-ready every day — inside your own cloud. Both the community-bank and credit-union rulebooks are 100% covered today.

USPTO patent-pending (SS-MoE) arXiv preprint AWS ISV NVIDIA Inception
Coverage · live today
100%Bank charter
473 / 473 obligations
100%Credit union
468 / 468 obligations
939Executable rules across both charters
4 moIncorporation → complete coverage
86 regulations · 621 obligations · 939 executable rules — decomposed and verified
FinCEN / BSA-AMLOFACOCCFDICNCUACFPBFFIECFair Lending / CRA
The problem

Small institutions face big-bank rules with a fraction of the staff.

A community bank or credit union carries the same federal obligations as a money-center bank — interpreted by hand, often by a team of one or two.

$2.3M
Average annual compliance cost per community-sized institution.
11–15.5%
Of payroll spent on compliance at the smallest institutions.
12–18 mo
Examination cycle — each one a scramble to reconstruct evidence by hand.

Why the existing options fail this segment

Big Four consulting

Priced in human hours. A single audit-prep engagement can exceed the institution’s entire annual compliance budget.

GRC platforms

They store policy documents and workflow. They execute nothing — the bank still writes and runs every test itself.

Doing nothing

Examiners cite inadequate testing in a large share of enforcement actions. You cannot prove coverage you never captured.

The platform

One pipeline, run continuously for both charters.

The rulebook isn’t a document — it’s an engine. Every regulation flows through the same path, on a schedule and on change.

Regulation Obligation Rule Control Evidence Test Status

Continuous testing

Rules execute against your live evidence on a schedule and on change — not once a year before an exam.

Examiner-ready on demand

One-click package: regulation → obligation → test → result, with an immutable CCO sign-off trail.

Runs in your own VPC

Deployed inside your AWS account under your own keys. Institution data never leaves the perimeter.

Citation-gated AI

No decision ships without a verified CFR citation. INDETERMINATE is a first-class result, kept distinct from FAIL.

Not a policy library — the continuous test-and-evidence engine that keeps you examination-ready every day.

Security & architecture

Compliance inside your walls.

Two AWS pipelines, one boundary. Regulatory intelligence is built in the Fortress cloud and flows one way into your own account. The engine, your evidence and every decision run in your VPC, under your keys.

Separate VPC, your keys

Deployed into your AWS account as infrastructure-as-code. Per-institution KMS keys — revoke access by turning off a key.

No customer-data egress

Regulatory truth flows in; your customer and regulated data never flows out of the perimeter.

WORM evidence & audit trail

Immutable, tamper-evident retention for BSA and OFAC recordkeeping, with a full sign-off history.

Role-based security dashboard

CCO, CRO, CIO, Analyst and Admin views. Every action logged; access and posture visible at a glance.

Custom control over the rules

Tune thresholds, scope rules to your charter and products, and sign off. The rulebook configuration is yours.

Your evidence lives in your account — in open formats you own, readable independent of Fortress.

Pipeline 1Regulatory intelligenceFortress cloud
Rule decompositionChange detectionSDN list ingestCitation verification
Pipeline 2Your compliance engineInside your AWS VPC
Continuous testingScreeningFindings & sign-offYour KMS keysWORM S3Security dashboard

Two systems, one boundary — your data stays on your side of it.

The asset

The complete decomposed rulebook — and why it’s the moat.

Four months produced not a demo, but every obligation and every executable rule for the community-bank and credit-union perimeter. One obligation becomes roughly six deterministic rules against named evidence.

  • Both charters carry their own verified citations where the two diverge — not a shared approximation.
  • Three rule classes kept distinct — regulatory, business, technical — the collapse examiners notice.
  • A hard gate blocks any obligation from an examiner package unless it is law and its citation is verified.
  • A 225-row source audit completed and corrected; a verification gate now guards every obligation entering the graph.
86
Regulations
621
Obligations
939
Executable rules
100%
Both charters decomposed
The vision

Toward a sovereign compliance model, trained with NVIDIA.

The destination is the single AI-infrastructure product for continuous compliance readiness — powered by a model trained end-to-end on compliance, legal and banking content. Each stage is gated on the last earning its place.

01
Now

Citation-gated orchestration

Frontier models behind a hard authority gate — no decision without a verified CFR citation. Running today.

02
Research

Six-domain fine-tuning

LoRA adapters across BSA/AML, fair lending, CRA, exam/audit, risk/reg and synthesis — trained on our verified corpus.

03
With NVIDIA

SS-MoE packaged as NIM

Patented Semantic-State Mixture-of-Experts, deployed as NVIDIA NIM microservices inside the bank’s own VPC.

04
Year-end goal

Sovereign compliance model

Trained end-to-end on compliance content, running fully in-VPC with zero external calls — the moat no competitor can match.

Market

Sized against the segment we cover completely today.

Not the whole banking industry — the institutions where our coverage is already 100%, and where willingness to pay per dollar of assets is highest.

~6,600
Institutions under $1B in assets — the most underserved tier.
~2,150
Community & regional, $1B–$10B — core ICP, in-VPC.
~$310M
Serviceable software TAM across the covered segment.
$2.5–4.5M
Year-1 ARR target — 6–12 customers in year one.

Institution counts: FDIC Quarterly Banking Profile and NCUA data; tier splits are estimates pending reconciliation against primary call-report data. The same decomposition method extends outward to the rest of the perimeter once this segment is won.

Why now

Four conditions converged in the last eighteen months.

01

Examiners expect continuous evidence

Point-in-time artifacts no longer satisfy. Reproducible, continuous evidence is becoming the supervisory baseline.

02

The AI trust gap is closing

Regulated buyers reject ungrounded output. Citation-gated, in-VPC, auditable inference is buildable now — and required now.

03

Consolidation forces the question

Institutions that cannot scale compliance are selling. We are the cheaper answer than a merger.

04

The incumbent has no deflation curve

Big Four compliance is a human-hours business; its price hasn’t fallen in a decade. Ours falls every quarter.

See it in two minutes

The engine, end to end.

From a regulation to a continuously-tested control with examiner-ready evidence — the whole loop.

REGULATION › OBLIGATION › RULE › CONTROL › EVIDENCE › TEST › STATUSREGULATION › OBLIGATION › RULE › CONTROL › EVIDENCE › TEST › STATUSREGULATION › OBLIGATION › RULE › CONTROL › EVIDENCE › TEST › STATUS
Watch the 2-minute tour
Product walkthrough
Work with us

Two ways in.

For banks & credit unions

Become a founding design partner

Run Fortress against your live obligations, inside your own AWS account. Founding rates, locked for design partners.

  • Start with a discounted readiness assessment against your charter.
  • 90-day in-VPC pilot — pilot fee credited toward year one.
  • Deployed under your own keys · white-glove onboarding.
For investors

Back the velocity

We shipped 100% decomposition of both charters in four months, filed the SS-MoE patent, and published the research. We’re raising a seed round to convert complete coverage into paying design partners and the first compliance-trained model.

  • Patent-pending SS-MoE · arXiv preprint · AWS + NVIDIA channels.
  • 12-month plan to work with 6–12 customers, live co-sell and a model milestone.
  • Los Angeles, CA · Delaware C-Corp.
Team

Founder-led.

JR

Jamie Rahman

Founder & CEO

Enterprise AI/ML architect, 17+ years — AI/ML architecture at Disney/ESPN, PIMCO, Fannie Mae and Veltris, working with regulated data at scale.

Sole inventor on the SS-MoE provisional patent and author of the published preprint; founded Sniffer Search (2017) and TextMind document intelligence (2021); directs Text Mind Private Limited, the India engineering entity.

Meet the team →

See your coverage.

We’ll run a discounted readiness assessment against your charter and show you exactly where you stand. Verified for banking professionals and investors.