Meet Kaia – Your AI-Powered Compliance Expert
Kaia is a purpose-built, AI-powered compliance expert trained exclusively on federal banking regulations and related regulatory data. It enables banks and credit unions to access expert insights on regulation instantly, ask questions in natural language, draft and update policy documents, and even analyze existing business procedures for regulatory alignment.
Accessible through a simple browser interface, Kaia provides in-depth, focused regulatory intelligence for financial institutions while maintaining the security and confidentiality of your business data.
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Kaia, Compliance Expert Features
Kaia is an intelligent, regulatory compliance co-pilot optimized for accuracy, specificity, and usability. Its standout capabilities include the following:
- Ask any questions about federal banking regulations (e.g., Truth in Lending, BSA/AML, CRA, etc.), and Kaia will provide clear, accurate responses.
- Ask how specific regulations impact your current operations or policies and receive contextualized responses with actionable recommendations.
- Instantly draft new policy and procedure documents aligned with regulatory requirements.
- Upload existing policy documents, Kaia will analyze them against current regulatory requirements, suggest updates, and even generate revised drafts.
- Export documents in editable formats like Microsoft Word for easy customization and approval.
- Kaia remembers previous questions and corrections within the same topic or regulatory thread, providing smarter responses over time.
- Your data remains confidential. As a self-hosted and trained solution, Kaia does not share client data or learning with any commercial models, maintaining complete privacy and security.
Challenges for Banks and Credit Unions
Even the most experienced compliance teams are increasingly overwhelmed by today’s regulatory environment. Some of their significant challenges include the following:
- Staying on top of evolving federal regulations requires constant monitoring. Manual research is time-consuming and error prone.
- Many organizations lack dedicated compliance professionals or cannot afford specialized legal counsel for every regulatory issue.
- Financial institutions often struggle to keep internal documents current with the latest regulatory changes, leading to compliance gaps and audit risks.
- Without real-time interpretation, organizations remain reactive rather than proactive, increasing their risk exposure.
Kaia Benefits
Kaia provides immediate, practical advantages for risk and compliance teams.
- Get expert-level answers and document drafts in seconds—no research, meetings, or third-party consultants needed.
- Kaia’s focused training on financial regulations ensures reliable, relevant, and regulation-specific guidance with reduced hallucinations compared to commercial AI tools.
- Respond to regulatory changes faster by instantly understanding impacts, generating policy updates, and preparing for audits.
- Improving access to regulatory knowledge across your organization—legal, operations, compliance, and even executive teams can all benefit.
Why Choose 360factors?
360factors empowers organizations to accelerate profitability, innovation, and productivity by predicting risks and streamlining compliance.
Complete GRC
All the GRC tools you need integrated in one solution
Basic to Enterprise
From simple risk assessment to complete risk register and control testing
Speed & Execution
Insights into your risk program & control effectiveness
Fast Implementation
The cloud-based solution can be integrated within days
Flexible and Modular
Pick the modules you need for your business
Easy to Use
Automation and an intuitive interface ensure ease of useLearn How 360factors Empowers Customers to Manage Their Risk and Compliance Programs with Ease.
We look forward to working with 360factors to advance our enterprise risk and compliance programs for the bank while increasing the products and services we offer to the community.
Mark Casel Chief Risk Officer
We selected Predict360 due to its ease of use, banking industry design, and endorsement by the American Banker’s Association.
Eric Sprink President & CEO
Predict360’s banking workflows, risk library content, and endorsement from the American Bankers Association are a great fit for our bank.
Julie Dahle EVP and Chief Risk Officer
As part of our initiative to expand our products and services, we wanted to enhance our enterprise risk and compliance management to support this growth. Predict360 will enable our team to meet these goals efficiently.
David Claussen Chief Risk Officer
360factors’ solutions, powered by artificial intelligence, enables our organization to adapt and respond effectively to the ever-changing regulatory compliance landscape.
Joanna Chancellor Business Support Manager
The powerful features combined with the easy implementation of the cloud solution made Predict360 a great fit for our organization.
Steve Parker Chief Executive Officer
We believe our collaboration with 360factors and the technology they bring supports our vision for the future.
Gina Anonuevo Chief Compliance Officer
Deploying Predict360 is another step by us towards becoming a more streamlined and efficient organization.
Crystal Barnes Regulatory Compliance Specialist
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