Assess consistently
Use shared risk and control definitions to compare assessments across business units.
BUILT FOR FINANCIAL ORGANIZATIONS
PRODUCT · RISK AND COMPLIANCE
Predict360 Risk and Compliance Intelligence Platform
Unify risk, compliance, audit and regulatory workflows with optional Ask Kaia agents.
FINANCIAL ORGANIZATIONS USING PREDICT360
BUILT FOR YOUR PROGRAM
Type IISOC 2
Add-onsOptional Ask Kaia agents within Predict360
ModularChoose the capabilities your team needs
THE PROBLEM
Connect the risk picture to the work that reduces it
Risk ratings, test results, policy updates and open actions sit in separate files. Your team spends time reconciling status while leaders wait to see what needs attention and who owns the response.
Scattered evidence
Manual status reporting
Unclear ownership
WITH PREDICT360
All Predict360 capabilities and Ask Kaia agents share a unified Data Intelligence layer for risk, compliance, regulatory and agent data. Assess risks, assign actions and report progress across business units. Add optional Ask Kaia agents for research, drafting, review and testing. The shared foundation is designed to support future custom agents and connections to your other systems.
Keep work moving
Assign owners, due dates and follow-up actions so teams know what needs to happen next.
See changing exposure
Monitor risk indicators and trends to focus attention on risks outside your tolerance.
Put agents to work
Add optional Ask Kaia agents for research, drafts and testing findings your team can review before acting.
EXPLORE THE PLATFORM
Manage risk and compliance across the organization
Connect program workflows with optional Ask Kaia agent add-ons. Choose existing agents for your team’s needs and add future agents as they launch.
- 01
Standardize risk assessments with shared definitions, inherent and residual ratings, controls and owners through Risk Management and Assessments.
- 02
Use Risk Insights to monitor key risk indicators, thresholds and trends, and focus management reporting on changing exposure.
- 03
Assign owners and due dates in Issues Management, collect evidence and track actions through resolution.
- 04
Schedule Compliance Monitoring & Testing, map tests to regulations and retain work papers with milestones and results.
- 05
Use Complaints Management to route submissions, track investigations and resolution, and identify recurring concerns.
- 06
Assess regulatory changes, identify affected policies and business units, and assign follow-up work with Regulatory Change Management.
- 07
Manage document versions, access and approval workflows with Policy & Procedure Management so teams use the right documents.
- 08
Coordinate requests, evidence, findings and commitments with Regulatory Examinations and Findings Management.
- 09
Use Ask Kaia’s Regulatory Intelligence agents for cited answers, policy work, regulatory impact analysis and document discovery.
- 10
Put Ask Kaia agents to work on Marketing Ad Review, HMDA Compliance Testing and Fair Lending Compliance Testing to prepare findings for review.
- 11
Explore Ask Kaia’s Lending Intelligence and Third-Party Intelligence agents: Coming Q4 2026 – Get Early Access.
CAPABILITIES
Support the program and the people doing the work
All Predict360 capabilities and Ask Kaia agents share a unified Data Intelligence layer, connecting program workflows with the digital workforce. Your team retains decisions and approvals.
RISK
Enterprise risk management
Compare assessments, monitor indicators and track remediation. Give leaders visibility into changing exposure and the actions addressing it.
Explore risk managementCOMPLIANCE
Compliance program management
Coordinate testing, regulatory changes, policies, complaints and examinations. Keep owners, deadlines and supporting evidence visible as work progresses.
Explore compliance managementASK KAIA
Your digital workforce
Choose optional Ask Kaia agent add-ons for research, policy work, marketing reviews and lending compliance testing. All existing and future agents can work within Predict360 as they launch.
Explore the digital workforceBY ROLE
Give each leader a clear view of the work they own
CHIEF RISK OFFICER
You need comparable assessments and timely visibility into changing exposure.
Bring assessments, controls and indicators into a consistent risk view. Use dashboards to examine trends and tolerance breaches, then track the actions addressing them. Give management and the board a clearer basis for discussing priorities and where additional attention is needed.
Request a demoRatingsConsistent assessment methods
TrendsVisibility into changing exposure
ActionsOwners and remediation progress
CHIEF COMPLIANCE OFFICER
You need to keep testing, changes and examination responses moving.
Coordinate compliance schedules, documents and follow-up work in one platform. Add optional Ask Kaia agents for research, policy work, marketing review and lending compliance testing. Track owners, supporting evidence and progress so your team can focus on review and resolution instead of gathering status updates.
Request a demoSchedulesTesting and compliance milestones
EvidenceWork papers and supporting documents
OwnersAccountability for follow-up work
CHIEF OPERATING OFFICER
You need departments to complete their work without constant manual follow-up.
Give business units defined workflows, due dates and notifications. Review progress across the program and identify work that needs attention. Choose modules around your priorities and add optional Ask Kaia agents to reduce manual research, document review and testing effort.
Request a demoWorkflowDefined steps and responsibilities
ProgressVisibility across business units
ModularScope matched to your program
ASK KAIA AGENT WORKFORCE
Add the Ask Kaia agents your team needs
Ask Kaia’s digital workforce is available within Predict360 through optional agent add-ons. All existing and future agents share its unified Data Intelligence layer as they launch. Regulatory Intelligence provides U.S. federal and state knowledge, updated weekly, across policies and all other agents. Your team retains responsibility for review, approval and action.
OPTIONAL ASK KAIA AGENTS
SHARED REGULATORY KNOWLEDGE
HUMAN REVIEW
- 01
Regulatory Intelligence Agent
Get cited answers, draft and revise policies, compare documents, map citations and analyze regulatory impact. Track the Federal Register and find documents and testing worksheets to reduce repeated research.
- 02
Marketing Ad Review Agent
Review marketing content against applicable requirements and internal policies. Use documented findings to prepare revisions for compliance approval.
- 03
HMDA Compliance Testing Agent
Check Loan Application Register data and supporting loan files. Investigate potential discrepancies and use documented results to support your review.
- 04
Fair Lending Compliance Testing
Use the Fair Lending Compliance Testing Agent to analyze lending data and supporting evidence. Identify potential disparities for specialist review.
- 05
Lending and third-party analysis
Lending Intelligence Agent: covenant monitoring, CRE collateral analysis and loan growth intelligence. Third-Party Intelligence Agent: vendor evidence, contracts and relationship risk. Both: Coming Q4 2026 – Get Early Access.
INTEGRATIONS & CONTENT PARTNERS
Bring reporting and specialist content into your program
ABA Risk LibraryContent library
Crowe Testing ScriptsContent library
Reg-RoomRegulatory content
TemenosCore banking
FIS GlobalCore banking
FREDExternal data feed
FFIECExternal data feed
Microsoft Power BIVisualization
Third-party names and marks belong to their respective owners. Availability, licensing and configuration depend on the modules and content selected for your organization.
EVALUATION FAQ
Questions about evaluating Predict360
Explore module selection, Ask Kaia, reporting and security as you plan a risk and compliance program that fits your organization.
Predict360 supports banks, credit unions and other financial organizations that need to coordinate risk and compliance work across departments. Risk and compliance leaders can manage assessments, testing, regulatory changes and follow-up activities, while business units contribute evidence and complete assigned work. Executive reporting helps management review program status and the areas that need attention.
Yes. Predict360 is modular, so your organization can select capabilities around its program priorities. Options include risk assessments, Risk Insights, Issues Management, compliance testing, complaints, regulatory change, policy management and regulatory examination management. TPRM Pro provides specialist vendor risk capabilities powered by Mitratech Prevalent. Your demo can establish the appropriate scope, configuration and commercial terms.
Ask Kaia agents are optional add-ons to Predict360. Choose agents for Regulatory Intelligence, policy work, Marketing Ad Review, HMDA Compliance Testing and Fair Lending Compliance Testing to match your team’s needs. All existing and future agents can work within Predict360 as they launch. Lending Intelligence Agent and Third-Party Intelligence Agent are coming Q4 2026, with early-access requests available. Discuss agent selection and pricing during your demo.
All Predict360 capabilities and Ask Kaia agents share a unified Data Intelligence layer for risk, compliance, regulatory and agent data. Predict360 reporting helps teams review program activity today. The layer is designed to let customers eventually build their own agents using this shared data or connect it to other data warehouses, analytics tools and systems through APIs or Model Context Protocol (MCP). This gives your organization a foundation for using its data beyond individual workflows.
Yes. Predict360 has SOC 2 Type II, providing independent assurance relevant to your vendor security review. Ask your 360factors representative about reviewing the report and discussing its scope and reporting period with your security team. The evaluation can also cover access controls, data handling and the requirements specific to your organization and selected configuration.
The Regulatory Examinations and Findings Management module coordinates requests, assigned owners, deadlines and supporting documents. Teams can record examiner findings, commitments and related action items, then track the work through the response process. This gives reviewers a documented record of activity and follow-up. Your institution remains responsible for the accuracy of its evidence and the responses it provides.
The agents support regulatory Q&A, policy drafting, revision and comparison, regulatory impact analysis, Federal Register tracking, citation mapping, document finding and testing worksheet discovery. They share a U.S. federal and state regulatory knowledge base, updated weekly, with all other Ask Kaia agents. Your institutional context informs the work; reviewers check sources and applicability to their organization before acting.
RISK AND COMPLIANCE RESOURCES
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