Source traceability
Regulatory interpretations and outputs remain connected to the material on which they are based.
Tracfox partnership with Fiserv agentOS
Built for financial institutions
Regulatorychangetoaudit-ready,in one platform.
See how a regulation becomes evidence- Alert
- Obligation
- Control
- Evidence
SECFederal ReserveOCCFDICCFPBCFTCFHFAFinCENOFACNCUAFINRAMSRBOFRFRB New YorkFRB BostonFRB PhiladelphiaFRB ClevelandFRB RichmondFRB AtlantaFRB ChicagoFRB St. LouisFRB MinneapolisFRB Kansas CityFRB DallasFRB San FranciscoNYDFSCA DFPITX DOBFL OFRIL IDFPRMA Div. of BanksPA DoBSOH DFIGA DBFNC Commissioner of BanksMN CommerceMO Div. of FinanceLA OFICO DORAUT DFIAZ DIFINV FIDWA DFIVA BFIMD OFRNJ DOBICT Dept. of BankingMI DIFSWI DFIIN DFITN DFISC BOFIAL State BankingOK State BankingOR DFRIA Div. of BankingKS OSBCNE Dept. of BankingAR State Bank Dept.KY DFIMS Dept. of BankingFCAPRAEBAESMAECBBaFinFINMACSSFAFMFSMACNMVCONSOBCBIKNFCNBMNBFMAHCMCMFSACMVMFinanstilsynetFinansinspektionenFIN-FSA
Platform
Compliancecapabilitiesthatworktogether.
Regulatory work loses context when each stage is managed separately — interpreted in one system, controlled in another, evidenced months later.
Tracfox keeps the stages connected, with the regulatory source carried through the process. Support one part of it, or connect them end to end.
Relevant change, caught the day it lands.
Continuously monitors global regulatory authorities (EBA, SEC, FCA, FINMA, MAS, OSFI) and alerts compliance leads to relevant updates tailored to your operational footprint.
Inbound source
- Ingested raw SEC PDF text from sec.gov RSS feed.
- Identified affected legal entities: Meridian Custody NA Ltd.
- Escalated to Head of Regulatory Risk for approval.
Agent output
A single source of regulatory truth.
Unified legal repository holding structured rules, historical versions, applicability matrices, and cross-jurisdictional comparative views with strict lineage tracking.
Inbound query
- FinCEN 31 CFR Chapter X verbatim copy verified.
- Decomposed into the 5 program pillars at (a)(2)(i)–(v), each with a permanent traceable ID.
- Searchable vectors updated with audit trail token.
Agent output
Legal prose becomes owned obligations.
Translates unstructured legal prose into actionable, unambiguous compliance obligations with explicit accountability owners, frequencies, and verification parameters.
Source requirement
- Extracted text span FCA PS22/9 Chapter 3 Paragraph 3.14.
- Formulated 4 mandatory obligations with operational frequency.
- Assigned to Lead Compliance Manager for signoff.
Agent output
Every obligation lands on a control.
Detailed controls with evidence details linked to regulation. Continuous control monitoring and updates based on regulatory changes.
Inbound obligation
- Evaluated 412 controls against updated obligation OBL-FCA-2209-01.
- Generated control gap notification #GAP-2026-88.
- Opened remediation workflow in Control Governance queue.
Agent output
Audit-ready before the auditor asks.
Automated evidence collection, and monitoring to eliminate duplicative work.
Evidence artifact
- Extracted PDF cryptographic hash & digital signatures.
- Verified execution date within 90-day SLA window.
- Attached to Examination Pack EXP-2026-Q2.
Agent output
Answers that carry their citations.
Translates legal prose into operationally actionable obligations.
User question
- Retrieved 3 verbatim sections from HKMA SPM IC-1.
- Passed 100% groundedness verification against internal corpus.
- Answer rendered with 3 clickable source citations.
Grounded answer
Auditable AI
AIbuiltforworkthathastowithstandreview.
Agent guardrails
Agents operate within defined tasks and boundaries appropriate to the compliance activity they support.
Evaluations
Agent performance is tested against criteria relevant to the quality and reliability of its output.
Human review
Compliance professionals remain responsible for review, judgement and approval.
The platform is designed so compliance teams can understand what an agent produced, review the supporting information and retain control over decisions and approvals.
Talk to a compliance engineeragentOS by Fiserv
Nowontherailsbehindthousandsoffinancialinstitutions.
Tracfox is a third-party agent on agentOS — Fiserv's operating system for agentic AI in banking. The Tracfox Regulatory Agent monitors federal and state regulatory sources and generates institution-specific, citation-backed obligations and controls, with a human-in-the-loop approval step before anything is published.
Value10×reduction in manual processes
Time1 dayintegration time
As published by Fiserv on agentOS.
Tracfox · Regulatory Monitoring & Controls
Regulatory Monitoring & Controls
third-party agent- FI-specific obligations and best-practice controls
- Monitors for state, local and federal rule changes
- Impact analysis of obligations and controls
Select sample regulatory query
Onequestion,carriedfromtheregulationtotheevidence.
- Regulation
- Bank Secrecy Act — 31 CFR 1020.210(a)
- Authority
- FinCEN · US Department of the Treasury
- Requirement as written
- A bank regulated by a Federal functional regulator shall be deemed to satisfy the requirements of 31 U.S.C. 5318(h)(1) if it implements and maintains an anti-money laundering program that: […] (2) Includes, at a minimum: (i) A system of internal controls to assure ongoing compliance; (ii) Independent testing for compliance to be conducted by bank personnel or by an outside party; (iii) Designation of an individual or individuals responsible for coordinating and monitoring day-to-day compliance; (iv) Training for appropriate personnel; and (v) Appropriate risk-based procedures for conducting ongoing customer due diligence, to include, but not be limited to: (A) Understanding the nature and purpose of customer relationships for the purpose of developing a customer risk profile; and (B) Conducting ongoing monitoring to identify and report suspicious transactions and, on a risk basis, to maintain and update customer information. […]
- Mapped control
- CTRL-AML-210: Five-pillar BSA/AML program assurance
- Evidence required
- AML program document and internal-control test results (i); latest independent test report with scope and management response (ii); designation record for the individual or individuals responsible for day-to-day BSA compliance (iii); training completion records for in-scope personnel (iv); customer risk profiles, ongoing-monitoring output and beneficial-ownership records for legal entity customers (v).
- Regulation
- Investment Advisers Act Rule 206(4)-7 — 17 CFR 275.206(4)-7
- Authority
- US Securities and Exchange Commission (SEC)
- Requirement as written
- The adviser must review, no less frequently than annually, the adequacy of its compliance policies and procedures and the effectiveness of their implementation.
- Mapped control
- CTRL-GOV-102: Annual Compliance Policies and Procedures Review
- Evidence required
- Dated annual review record covering both prongs — adequacy of the policies and procedures, and effectiveness of their implementation — with scope, testing performed, findings and remediation to closure, plus the version of the policies in force for the period reviewed. Review records preserved five years from fiscal year end, the first two in an appropriate office, under 17 CFR 275.204-2(a)(17)(ii) and (e)(1).
- Regulation
- Regulation E (Electronic Fund Transfers) — 12 CFR 1005.11(c)(1)
- Authority
- Consumer Financial Protection Bureau (CFPB)
- Requirement as written
- A financial institution shall investigate promptly and, except as otherwise provided in this paragraph (c), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.
- Mapped control
- CTRL-EFT-311: Reg E error resolution clock & provisional credit
- Evidence required
- Dated notice-of-error log; determination recorded within the applicable window — 10 business days, or 20 where §1005.11(c)(3)(i) applies; where the 45-day extension is taken, the provisional-credit posting and the notice of its amount and date within two business days; results reported within three business days of completing the investigation; correction posted within one business day of determining an error occurred; and, where no error or a different error is found, the §1005.11(d)(1) written explanation noting the consumer's right to request the documents relied on — retained not less than two years under §1005.13(b)(1).
Control IDs are illustrative Tracfox examples, not a client's controls.
About Tracfox
Tracfoxisdevelopedforcomplianceworkwhereinterpretation,traceabilityandaccountabilitymatter.
Who we are
ThepeoplebehindTracfox.
A team with regulatory domain and technology expertise firmly rooted in financial markets.
Gayatri RamanFounder · CEO- SKSat KrishCo-Founder · Applied AI
Lisa GalassoHead of Controls Monitoring
Jeff IngberRegulatory Expert
Apurva MehtaActing CTO
Bobby GiljaAdvisor
See Tracfox
AuditableAIforregulatorychange,controlsandevidence—builtforfinancialinstitutions.
See Tracfox work with a regulation that matters to your institution. A Tracfox demo can show how a regulatory requirement is interpreted, converted into obligations, connected to controls and supported by evidence, with the source and review trail available throughout the process.
Connect with our compliance engineers to evaluate Tracfox with your institution's specific regulatory sources and control framework.