360factors

What 360factors does

360factors, Inc. is an Austin, Texas-based private software company founded in 2012 that builds AI-powered risk, compliance, and analytics platforms for US banks, credit unions, fintechs, and other regulated financial institutions. Its flagship product, Predict360, is an integrated, cloud-based GRC (Governance, Risk, and Compliance) suite comprising 18+ modular applications covering enterprise risk management, RCSA, regulatory change management, compliance monitoring and testing, complaints management, policy management, third-party risk management, internal audit, IT risk, SOX quarterly certifications, marketing ad review, regulatory exam management, and predictive risk insights via Key Risk Indicators. A separate product line, Ask Kaia, is a standalone AI compliance agent app trained on federal banking regulations that automates policy drafting, regulatory analysis, ad review, and exam preparation without requiring a full GRC deployment. A third platform, Lumify360, extends the company into enterprise data and predictive analytics for mid-market financial institutions, with modules for performance management, loan portfolio insights, customer insights, and fair lending. Underlying the products is a combination of self-hosted proprietary AI (Kaia), OpenAI GPT-4 integration for RCSA, NLP for regulatory text, anomaly detection for KRIs, and embedded Power BI and Tableau for visualization, integrated with external feeds (FRED, FFIEC) and a Bank IQ-powered benchmarking dataset covering 14,000+ US financial institutions. The platform is SOC 2 Type II certified.

The company sells primarily through enterprise field sales with a quote-based, demo-driven GTM motion targeting US financial verticals (banks, credit unions, fintechs, mortgage bankers, money service businesses, insurance, and investment/wealth management). Revenue is generated via SaaS subscriptions to the Predict360 suite plus modular add-ons (Predict360 Essentials for community institutions, TPRM Pro powered by Mitratech Prevalent, content libraries such as the ABA Risk Library with 800+ banking risks, and consulting/implementation/training services). Pricing is not publicly disclosed but is positioned as a cost-reducing alternative to outsourced compliance testing (~$30K/year for community banks), and the company reports implementation in days to under 30 days depending on the SKU. Strategic distribution leverage comes from an ABA endorsement as the recommended GRC platform for banks, deep content partnerships with Crowe and Temenos, technology partnerships with Bank IQ, Mitratech Prevalent, Argos Risk, FIS Global, and OpenAI, and a leadership team led by CEO Carl McCauley, founder and Executive Chairman Ed Sattar, and CTO Chris Duden, supported by VPs of sales, marketing, and partnerships.

Name

360factors

Legal name

360factors, Inc.

Website

https://360factors.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

51–100 employees

Short description

360factors is an Austin-based AI-powered risk, compliance, and analytics software company serving US banks, credit unions, fintechs, and other regulated financial institutions with its Predict360 GRC platform, Ask Kaia AI compliance app, and Lumify360 data analytics platform.

Ownership category

akta.pro rank

Product category

Governance, Risk, and Compliance (GRC) Software

NAICS

Software Publishers (5132)

akta.pro primary industry

Risk, Controls & Governance (GRC) Platforms (FSAFAOAG)

akta.pro secondary industry

Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies) (HDAEANAE)

Keywords

• GRC software platforms
• Regulatory compliance software
• Enterprise risk management
• Third-party risk management
• Banking compliance solutions

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. SaaS Subscription (Predict360 Platform): Predict360 is offered as a cloud-based SaaS platform with subscription pricing. The platform appears to be sold as an integrated suite with modular applications that can be added or removed. Subscription plans include varying levels of functionality and support.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels8 records

Core offering

360factors develops and sells AI-powered cloud-based Governance, Risk, and Compliance (GRC) software for banks, credit unions, and other regulated financial institutions. Its flagship Predict360 platform unifies enterprise risk management, regulatory change management, third-party risk management, internal audit, policy management, compliance monitoring and testing, and AI-driven risk insights into a single integrated suite, augmented by the proprietary Kaia AI compliance assistant.

Product overview

360factors delivers AI-powered risk and compliance intelligence solutions primarily for banking and financial services organizations. The product portfolio is structured around a platform-plus-modules architecture centered on Predict360, an integrated GRC (Governance, Risk, and Compliance) platform. Predict360 serves as the core platform, housing modular sub-applications for enterprise risk management, compliance management, regulatory change management, third-party risk, internal audit, policy management, and AI-powered risk insights. Within the platform, key modules include: Enterprise Risk Management and RCSA (for risk identification and control self-assessments), Risk Insights (for predictive KRI management), Issues Management, Peer Insights (for peer benchmarking via Bank IQ), TPRM Lite and TPRM Pro (powered by Mitratech Prevalent for third-party risk), Compliance Management and Compliance Monitoring & Testing, Complaints Management, Regulatory Change Management, Policy & Procedure Management, Third Party & FinTech Partner Compliance, Marketing Ad Review Application, Regulatory Examinations and Findings Management, and Quarterly Certifications (for SOX attestations). Community-focused institutions are served by Predict360 Essentials (preconfigured risk management) and Ask Kaia (standalone AI compliance agent app). A second core product, Lumify360, is a separate enterprise data and analytics platform covering Performance Management, Loan Portfolio Insights, Customer Insights, and Fair Lending. Supporting content libraries include the ABA Risk Library (800+ banking risks) and Crowe Risk & Control Library, while services encompass consulting, implementation, and training.

Differentiator

Problem solved

Functional benefit

Brands

• Predict360: AI-powered risk and compliance management platform for banking and financial services organizations.
• Ask Kaia
• Lumify360
• Predict360 Risk Insights
• TPRM Pro
• Predict360 Essentials

Products and services

• Predict360 360factors' flagship integrated cloud-based Governance, Risk, and Compliance platform for banks, credit unions, fintech, mortgage, insurance, and wealth management organizations. Unifies risk management, compliance management, regulatory change management, third-party risk, internal audit, and AI-powered analytics into a single platform with modular applications.
• Predict360 Essentials Preconfigured risk and issues management solution tailored for community banks and credit unions. Includes preloaded dashboards, community banking risk libraries, examiner-aligned workbooks covering BSA/AML, Cybersecurity, UDAAP, Fair Lending, SOX/FDICIA, and Kaia AI assistance. Designed for institutions under $1B to over $100B in assets with under-30-day implementation.
• Ask Kaia Standalone AI compliance agent app for U.S. community and regional financial institutions. Provides ready-to-run AI agents trained on federal banking regulations for policy management, regulatory analysis, marketing ad review, exam preparation, and compliance testing automation. Self-hosted with no data sharing with commercial AI models and full audit trails.
• Lumify360 All-in-one enterprise data and predictive analytics platform for mid-market financial institutions. Transforms siloed data into real-time insights via a secure cloud data lakehouse with Power BI visualizations, flexible data connectors, and data governance. Includes integrated Performance Management, Loan Portfolio Insights, Customer Insights, and Fair Lending modules.
• Implementation and Professional Services Platform and application implementation, support, and consulting services for financial institutions deploying Predict360, Ask Kaia, and Lumify360. Includes configuration, integration, training, and ongoing customer support.
• Training and Certification Services Regulatory training services including FIS Regulatory University Training Classes and ABA Training & Certifications to help financial institutions meet regulatory training requirements and develop staff capabilities.

Quantifiable outcome

• Reduces manual review cycles by over 30% with AI compliance agents
• +4 more outcomes

Named customers31 records

Segments9 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability11 records

Feature9 records

Partnerships

Ten partnerships are on record, tiered core and supporting.

• Mitratech (Prevalent)coreTechnology or Integration360factors offers TPRM Pro, powered by Mitratech Prevalent's Third-Party Risk Management Platform. This partnership provides financial organizations with unified vendor management, risk assessment, and threat monitoring through 750+ standardized risk assessment templates. Includes Vendor Threat Monitor for continuous tracking of external threats, cyber vulnerabilities, and reputational risks. Available as integrated module with managed services.
• Bank IQcoreTechnology or IntegrationBank IQ powers Predict360 Peer Insights, providing complete financial dataset for 14,000+ U.S. commercial banks, savings institutions, credit unions, and bank holding companies. Includes regulatory 031, 041, 051, Y9C, 5300 call reports, 10K/10Q SEC filings, and UBPR data for peer benchmarking and performance analysis.
• OpenAIsupportingTechnology or IntegrationPredict360 RCSA is integrated with OpenAI GPT4 for AI-recommended risks and controls based on user-submitted regulatory documents. Data submitted through the platform remains within Predict360 and is not used for training OpenAI's LLM.
• American Bankers Association (ABA)coreStrategic or Co-development PartnerABA has endorsed Predict360 as the recommended GRC platform for banks. ABA Risk Library with 800+ banking risks is free for active ABA members using Predict360. The endorsement provides credibility and content aligned with ABA's industry-leading risk management training courses and certificate programs.
• CrowecoreStrategic or Co-development PartnerCrowe Risk, Control & Testing Scripts Library is available as content plugin option within Predict360. Provides pre-built risk and compliance control testing scripts aligned with industry best practices for financial institutions.
• Argos RisksupportingTechnology or IntegrationArgos Risk's AR Surveillance provides optional continuous monitoring of vendor operational, financial, legal, cybersecurity, reputational, and sanctions risks. Integrates with Predict360 TPRM Lite for enhanced vendor risk intelligence.
• FIS GlobalsupportingImplementation/ SI/ Consulting PartnerFIS Global provides FIS Regulatory University Training Classes as part of 360factors' training services. Helps financial institutions meet regulatory training requirements through structured courses.
• TemenossupportingStrategic or Co-development PartnerTemenos Templates and Advisory Services available as part of 360factors' consulting and content offerings, providing specialized templates for financial institutions using Temenos banking systems.
• Power BI / TableaucoreTechnology or IntegrationPredict360 integrates with Microsoft Power BI and Tableau for advanced business intelligence, visualization, and reporting capabilities across all modules.
• FRED / FFIECsupportingTechnology or IntegrationExternal data feed integrations with Federal Reserve Economic Database (FRED) and Federal Financial Institutions Examination Council (FFIEC) for real-time market data and regulatory intelligence in risk analysis.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• ServiceNow GRC: ServiceNow's Integrated Risk Management and GRC modules compete with 360factors for enterprise risk and compliance workloads, often bundled into broader ServiceNow enterprise agreements.
• RSA Archer (now Regnology/Onspring): RSA Archer is a long-standing, broad-spectrum GRC platform used heavily by banks for operational risk, IT risk, and compliance — directly competing with 360factors's enterprise risk and IT risk assessment modules.
• Diligent (ACL / Galvanize / Resolver): Diligent's GRC platform (formed via ACL, Galvanize, and Resolver acquisitions) directly competes with Predict360 in audit, risk, and compliance management for regulated enterprises, offering overlapping capabilities as part of a broader governance portfolio.
• Wolters Kluwer (OneSumX / ComplianceOne): Wolters Kluwer's OneSumX for Regulatory Reporting and ComplianceOne are established RegTech suites for financial institutions, competing in the same regulatory compliance and risk reporting categories as 360factors, but as part of a much larger professional information portfolio.
• IBM OpenPages with Watson: IBM OpenPages is an enterprise GRC platform with regulatory compliance, operational risk, and IT risk modules — competing with Predict360's enterprise tier, especially for larger banks that already run IBM infrastructure.

Direct peers

• Abrigo: Abrigo is a direct competitor serving US community and regional banks with BSA/AML, fraud, credit risk, CECL, and compliance software — substantially overlapping with Predict360's banking GRC footprint. Its target segment and module set closely match 360factors's mid-market FI focus.
• Resolver (a Diligent company): Resolver (now within Diligent) provides risk and compliance software used by banks and other regulated entities, overlapping with 360factors on incident management, risk register, and compliance workflows.
• AuditBoard: AuditBoard is a fast-growing GRC platform specializing in audit, risk, and SOX compliance management, frequently competing with Predict360's internal audit, SOX quarterly certifications, and risk management modules in mid-market enterprises.
• Mitratech: Mitratech is both a partner (Prevalent TPRM inside TPRM Pro) and a competitor in third-party risk management and broader GRC software for financial services and regulated enterprises.

Emerging players

• LogicGate Risk Cloud: LogicGate's no-code Risk Cloud platform addresses risk and compliance workflows for financial and enterprise customers with overlapping GRC capabilities to Predict360.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/360factors
• Facebookfacebook.com/360Factors
• LinkedInlinkedin.com/company/360factors-inc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 360factors