--- title: FinC2E – Governance-First AI emoji: 🛡️ license: other language: - en tags: - governance - compliance - aml - kyc - risk - audit - human-in-the-loop - decision-support - enterprise - regtech pipeline_tag: text-generation library_name: transformers --- # FinC2E — Financial Cognitive Compliance Engine ### Governance-First AI for AML/KYC & Audit-Ready Decision Support (Human-in-the-Loop) **FinC2E** is a governance-first AI advisory system designed for **regulated, high-stakes environments** where **decision legitimacy, traceability, and accountability** are more critical than automation or speed. FinC2E is developed under **BPM RED Academy — HumAI MightHub** as a controlled, enterprise-grade cognitive layer supporting human decision-makers in compliance, risk, and audit workflows. > This model represents the **cognitive reasoning layer** of FinC2E and does not constitute a deployable system on its own. --- ## Core positioning (non-negotiable) - **Advisory-only AI** — Human-in-the-Loop by design - **No autonomous enforcement** - **No replacement of compliance officers** - **No black-box decisions** - **Responsibility always remains with the human decision-maker** FinC2E is intentionally **not** an autonomous compliance system. --- ## What FinC2E does FinC2E supports regulated teams by generating **structured, reviewable reasoning**, not decisions. Primary capabilities include: - **Case triage & prioritization support** Risk-oriented reasoning signals for human review - **Policy-referenced reasoning** Outputs explicitly reference assumptions, rule context, and logic paths - **Audit-ready narratives** Structured explanations suitable for auditors, regulators, and committees - **Scenario & stress-logic support** FSAP-style views and counterfactual reasoning - **Committee-ready summaries** Clear, human-readable briefs for decision boards --- ## What FinC2E is NOT - Not an automated blocking or freezing system - Not a penalty or enforcement engine - Not a legal authority or regulator - Not a “push-button compliance” product FinC2E does **not** take actions. It supports **human judgment under governance constraints**. --- ## Intended users FinC2E is designed for: - Banks and financial institutions (AML / KYC / CDD teams) - RegTech providers - Audit and compliance consultancies - Institutional risk and compliance committees - Government, FIU, and sovereign deployments (controlled and policy-bound) It is **not intended** for consumer or retail use. --- ## Governance & design principles FinC2E is built around the following principles: 1. **Human accountability first** 2. **Traceable reasoning over opaque accuracy** 3. **Policy alignment before model optimization** 4. **Auditability as a core requirement, not an add-on** 5. **Controlled deployment over unrestricted access** These principles define both system behavior and engagement models. --- ## Commercial & Institutional Use (Licensing) FinC2E is available for **commercial, institutional, and governmental use** under a separate license. Commercial licensing is required for any: - production use, - institutional deployment, - internal corporate use beyond evaluation, - integration into paid products or services. --- ## Institutional pricing (2026 standard terms) As of **January 5th, 2026**, FinC2E is offered under **standard institutional pricing**, aligned with increased regulatory scrutiny, AI governance obligations, and audit requirements across 2026. ### Standard institutional engagement tiers: - **Evaluation PoC (controlled scope, non-production): €187,500** - **Institutional Pilot** *(policy-bound, audited, monitored deployment)* **€750,000** - **Annual Enterprise License** *(multi-unit, multi-jurisdiction, governed deployment)* **from €1,870,500** >Pricing updated to reflect expanded enterprise governance scope. Final pricing depends on: - jurisdiction and regulatory context, - deployment model (on-prem / sovereign cloud / controlled environment), - governance depth, audit scope, and accountability requirements. Indicative pricing is provided for context only. Final commercial terms are defined exclusively through institutional evaluation and contractual engagement. --- ## Contact for licensing and institutional engagement - **Website:** https://www.bpm.ba/FinC2E - **Email:** governance@bpm.ba - **Suggested subject:** *“FinC2E — Governance Licensing / Institutional Pilot”* --- ## Deployment models (commercial) FinC2E may be deployed under controlled conditions via: - **Evaluation PoC** — limited scope, non-production - **Institutional pilot** — policy-defined, monitored, auditable - **On-prem / sovereign cloud deployments** — where required by regulation > Note: Any “Deploy” or hosting options shown by platform interfaces > (e.g. Hugging Face Spaces or inference tooling) refer to **technical serving mechanisms only**. > Commercial deployment of FinC2E is governed exclusively through licensing and contractual engagement. --- ## Evaluation context & ecosystem alignment FinC2E has been developed, iterated, and evaluated **within the NVIDIA ecosystem**, using enterprise-grade tooling aligned with regulated AI deployment standards. Across a **three-month evaluation period**, the system demonstrated **consistent growth in evaluator engagement and institutional interest**, driven by: - governance-first positioning, - human-in-the-loop design, - audit-ready reasoning outputs. Evaluation focused on: - decision traceability and narrative integrity, - stability of policy-referenced reasoning, - suitability for high-stakes, regulated environments. This evaluation phase informed the system’s current **commercial and institutional readiness**. --- ## Evaluation notes (for serious evaluators) Recommended evaluation criteria: - Auditability of reasoning paths - Preservation of human accountability - Policy alignment and explainability - Integration with committee and case-management workflows - Reproducibility under controlled inference conditions Feedback is welcomed from teams working in: - regulated AI deployments, - governance, audit, and explainability, - enterprise inference and evaluation tooling. FinC2E is designed to integrate with enterprise inference, evaluation, and access-control tooling, including **Hugging Face Enterprise environments**. --- ## Canonical reference **FinC2E — Financial Cognitive Compliance Engine** Governance-first AI for AML/KYC, risk classification, and audit-ready reasoning. Advisory-only. Human-in-the-Loop. --- ## Legal & compliance disclaimer FinC2E provides **decision support only** and does not constitute legal advice. All final decisions remain with qualified human reviewers and accountable officers. --- © BPM RED Academy — HumAI MightHub Engineering legitimacy into AI systems. — Edin