Finance, compliance, and HR for financial services and fintech
A multi-entity ledger for treasury and reconciliation, real DB-backed GRC for the frameworks that examiners actually cite, from GLBA and NYDFS 500 to SOX, PCI-DSS, and AML/KYC, and HR built for licensed, incentive-paid teams. One AI-native system instead of a ledger, a GRC tool, and an HRIS that never reconcile.
Illustrative product view
Finance: multi-entity treasury, reconciliation, and reporting
A financial-services group rarely runs one entity in one currency. Fintra keeps a dimensional general ledger across entities and currencies, reconciles bank and card feeds daily, and produces consolidated management and regulatory-style reporting from the same records that recognize revenue, so the numbers you report and the numbers you close on are the same numbers.
- Multi-entity, multi-currency general ledger with real currency translation and period-end revaluation
- Daily bank and card reconciliation with AI-suggested matching, so breaks surface in hours, not at month-end
- Revenue recognition under ASC 606 for fee, subscription, and interchange-style arrangements, posted to the same GL
- OFAC sanctions screening on new payees and counterparties, fail-closed by design
- Consolidated management reporting and board packs derived from the ledger, not rebuilt in a spreadsheet
Security & compliance: the frameworks examiners actually cite
Financial services is examined against a specific stack, and Fintra carries every framework in that stack as real, DB-backed GRC. SOC 2 Type II and PCI-DSS ship as truly seeded control libraries with cross-framework evidence requirements. GLBA, FFIEC, NYDFS 23 NYCRR 500, Sarbanes-Oxley (SOX), Anti-Money Laundering (AML), Know Your Customer (KYC), FATF Recommendations, NACHA Operating Rules, and ISO 20022 are mapped onto the same canonical control library so you can prepare, draft policies, and collect evidence once and have it count everywhere it maps.
| Framework | In catalog | How Fintra takes it |
|---|---|---|
| SOC 2 Type II | Seeded | Mapped control library, evidence requirements, audit-ready baseline |
| PCI-DSS | Seeded | Mapped control library for cardholder-data scope |
| NYDFS 23 NYCRR 500 | Mapped | Prepare-for: policies, evidence, and the annual certification trail |
| GLBA | Mapped | Prepare-for: safeguards-rule controls and evidence |
| Sarbanes-Oxley (SOX) | Mapped | Prepare-for: ITGC and financial-controls evidence |
| AML / KYC / FATF | Mapped | Prepare-for control set, plus real OFAC screening in Finance |
| NACHA / ISO 20022 | Mapped | Prepare-for: payment-standard controls, not a payment rail |
Governing the AI agents now touching customer money and data
The newest examiner question is not only about your cloud config, it is about the agents and automations that now read balances, move approvals, and touch customer records. Config scanners do not see that layer. Fintra does: every agent action gets a policy verdict and an Action Trust Score, recorded to a hash-chained evidence ledger, so your governance program extends to the automation layer instead of stopping at the login.
- A policy verdict per action, recorded as evidence rather than a bare log line
- An Action Trust Score per agent, so one that drifts loses standing before it causes a finding
- Decision Intelligence: an auditor-grade explanation of why any single action got its verdict
- A hash-chained ledger you can verify, so evidence can be shown to be untampered
HR: incentive and deferred comp, licensing, and background checks
Financial-services teams are paid on incentive and deferred comp and gated by licensing, so the HRIS has to carry more than names and PTO. Fintra runs payroll on a verified tax engine, models total compensation including bonus pools and equity vesting, and keeps licensing and clearance status on the employee record, next to the pay it gates.
- Incentive and deferred compensation modeled through total compensation, bonus-pool allocation, and vesting schedules
- Series and other professional-licensing status tracked on the employee record and in the skills graph
- Payroll on a verified, integer-cents tax engine with multi-state withholding, posted to the same GL
- Background-check status captured as part of structured onboarding
A three-tool stack vs one system
| Workflow | Ledger + GRC tool + HRIS | Fintra |
|---|---|---|
| Consolidated reporting | Export each entity, merge in a spreadsheet | Multi-entity ledger with real currency translation |
| Examiner evidence | Screenshot hunt before every exam | Mapped controls with reusable, cross-framework evidence |
| Agent oversight | Not covered by config scanners | A recorded verdict and trust score per action |
| Licensed-staff comp | Spreadsheet outside the HRIS | Comp, vesting, and licensing on one employee record |
Frequently asked questions
Which financial-services frameworks does Fintra actually support?
All of them as real, DB-backed GRC: SOC 2 Type II and PCI-DSS are seeded with a mapped control library and cross-framework evidence, while GLBA, FFIEC, NYDFS 23 NYCRR 500, SOX, AML, KYC, FATF Recommendations, NACHA Operating Rules, and ISO 20022 are mapped so you can prepare, draft policies, and collect evidence. Fintra prepares and evidences, it does not issue the certification or run the exam.
Does Fintra handle AML and KYC?
Fintra maps the AML and KYC control sets so you can prepare and evidence your program, and it runs real OFAC sanctions screening on new payees and counterparties, fail-closed, in the Finance module. It is not a transaction-monitoring or SAR-filing engine, so a dedicated monitoring platform still handles that layer while Fintra owns the controls, evidence, and screening.
Can Fintra consolidate multiple entities and currencies?
Yes. The general ledger is multi-entity and multi-currency with real currency translation and period-end revaluation, and consolidated reporting is derived from the ledger. Automated intercompany elimination is on the roadmap, so today intercompany balances are tracked and eliminated with documented journal entries rather than a one-click engine.
How does Fintra govern AI agents in a fintech?
For every action an agent takes, SentriAI returns a verdict and an Action Trust Score and records it to a hash-chained evidence ledger, so oversight extends to the automation layer. By default it decides and records, it can gate, and the one place it genuinely blocks today is the opt-in Fintra MCP tool-call boundary.
Does Fintra run payroll for licensed, incentive-paid staff?
Yes. Payroll runs on a verified, integer-cents tax engine with multi-state withholding and posts to the same GL, and total compensation covers bonus pools and equity vesting. Licensing status sits on the employee record, though a dedicated license-renewal tracker with automated alerts is roadmap.
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