Across

What Across does

Across Technology Inc. is a U.S.-based fintech operating a third-party risk management platform purpose-built for banks, credit unions, and other financial institutions that participate in sponsor bank, fintech, and Banking-as-a-Service (BaaS) programs. Founded in 2024 and headquartered in Pleasanton, California, the company addresses the regulatory burden these institutions carry under OCC, FDIC, FFIEC, and NCUA oversight by delivering structured assessment frameworks and examiner-ready evidence packages across BSA/AML, KYC, InfoSec, Operational, Financial, and Regulatory Compliance risk categories. Its customers include community banks such as Portage Bank, credit unions such as NorthBay CU, and banking-infrastructure providers such as Braid.

The company's core offering is the Oversight-AI Platform, comprising ten integrated modules that orchestrate the full third-party lifecycle from TPP profile management, data ingestion, automated evaluation, and approval workflows through risk dashboards and decision-ready reports. Oversight-AI is described as a purpose-built AI system, distinct from a generic LLM, that ingests documents and KYC/transaction monitoring outputs, draws inferences against the bank's own assessment framework, scores per risk indicator, and continuously learns from reviewer feedback, with 100% human QA on every report. Two assessment products, Onboarding Due Diligence and Periodic Risk Assessment, support both pre-launch evaluation and ongoing monitoring on configurable weekly, quarterly, or annual cadences.

Across operates an enterprise field-sales motion, with direct demo requests and quote-based pricing, targeting sponsor banks, credit unions, and FIs seeking to demonstrate control to U.S. regulators. Revenue is generated through SaaS subscription access to the Oversight-AI platform and its assessment workflows, supported by SOC 2 Type II certification. The company is privately held, founder-led, and as of the available data has not disclosed institutional funding.

Name

Across

Legal name

Across Technology Inc.

Website

https://verifyacross.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

Across (Across Technology Inc.) provides a purpose-built third-party risk management platform, Oversight-AI, that helps U.S. banks, credit unions, and financial institutions assess, monitor, and document compliance risk across sponsor bank, fintech, and BaaS programs for regulatory examination.

Ownership category

akta.pro rank

Product category

Banking Compliance Software — Third-Party Risk Management

akta.pro primary industry

Third-Party Risk, Vendor Due Diligence & Supply Chain Compliance (BPAEAPAG)

akta.pro secondary industries

Model Risk Management & AI Governance (validation, monitoring, explainability) (FSAGAFAL), Third-Party/Vendor Risk & Due Diligence (BPAHAFAG), Model Governance, Risk & Compliance (GRC) Platforms (HDAAAKAA)

Keywords

• Third-party risk management
• Banking compliance software
• Fintech risk assessment
• BSA/AML compliance platform
• Regulatory examination support

Headquarters

HQ city

Pleasanton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Platform Subscription: SaaS-based third-party risk management platform providing ongoing access to the Oversight-AI system, assessment workflows, and reporting capabilities. Revenue appears to be subscription-based given the platform-centric nature and enterprise sales motion.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Across sells the Oversight-AI Platform, a SaaS third-party risk management platform purpose-built for banks, credit unions, and financial institutions running sponsor bank, fintech, and BaaS programs. The platform orchestrates the full third-party lifecycle — from onboarding due diligence and TPP profile management to data ingestion, AI-driven risk scoring, multi-level approval workflows, live risk dashboards, and decision-ready regulatory reports — and is configurable to OCC, FFIEC, and NCUA guidance with 100% human QA review on every report.

Product overview

Across is a third-party risk management platform built specifically for banks, credit unions, and financial institutions. The core offering is the Oversight-AI Platform — a unified, full-stack platform comprising ten integrated modules (M01–M10) that orchestrate the complete third-party lifecycle from onboarding due diligence through periodic risk assessment. The platform includes TPP Profile Management, Pipeline Management, Customizable Assessment Framework, Risk Indicator Library, Data Ingestion, End-to-End Assessment Workflow, Approval & Governance, Risk Dashboard, Multi-Role User Management, and Decision Ready Reports. Two distinct assessment types support the workflow: Onboarding Due Diligence (pre-launch evaluation across 10+ risk categories) and Periodic Risk Assessment (ongoing monitoring on configurable cadences). Oversight-AI employs AI for document review, risk scoring, and adaptive learning, with 100% human QA review on every report.

Differentiator

Problem solved

Functional benefit

Brands

• Oversight-AI: AI-powered platform for third-party risk management, designed specifically for bank compliance and regulatory examinations.

Products and services

• Oversight-AI Platform A full-stack, AI-powered third-party risk management SaaS platform for banks, credit unions, and financial institutions. It enables risk teams to configure templates, automate data collection, score risks with AI, create actionable recommendations, and produce quarterly regulatory reports across the full third-party lifecycle.
• Onboarding Due Diligence A pre-launch third-party risk assessment service that evaluates fintech and BaaS partners across 10+ risk categories including BSA/AML & KYC, Information Security, Operational Risk, and Financial Risk, generating examiner-ready documentation from day one of the relationship.
• Periodic Risk Assessment An ongoing monitoring assessment that runs periodic reviews of active third-party relationships at policy and activity levels on configurable schedules (custom, weekly, quarterly, or annual), tracking changes in compliance and security posture over the life of the partnership.

Quantifiable outcome

• 14+ risk areas covered per assessment across Regulatory Compliance, BSA/AML/OFAC, Financial, InfoSec, and Operational categories
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature13 records

Partnerships

One partnership is on record.

• BraidcoreTechnology or IntegrationInfrastructure-grade partnership where Across partners with Braid, a modern banking infrastructure provider, to give Banks and Credit Unions the compliance backbone they need. Braid helps community banks and credit unions launch fintech and payment programs through API-first core technology, real-time payments, and compliance oversight. The partnership provides integrated third-party risk management capabilities for shared banking customers.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• RSA Archer (Regnology): RSA Archer — now part of Regnology — is an established enterprise GRC/IRM suite used by large banks for operational risk, vendor risk, and regulatory reporting, providing broad incumbent competition to Across's narrower TPRM focus.
• ServiceNow GRC / TPRM: ServiceNow's Integrated Risk Management suite, including its third-party risk module, is widely deployed at large FIs and offers AI-assisted risk workflows that overlap with Oversight-AI's adaptive learning and examiner-ready reporting.

Direct peers

• OneTrust: OneTrust's Trust Intelligence platform includes a third-party risk module covering vendor onboarding, due diligence, and continuous monitoring — overlapping with Across's TPRM workflow for FIs and broader regulated industries.
• ProcessUnity: ProcessUnity offers a TPRM cloud platform used by financial institutions for vendor onboarding, due diligence, and ongoing monitoring — competing head-to-head with Across across configurable risk frameworks and assessment workflows.
• LogicGate: LogicGate's Risk Cloud is a configurable GRC platform used by financial services firms for vendor risk, compliance, and policy workflows — a direct adjacent peer to Across's customizable assessment framework.
• Prevalent: Prevalent provides third-party risk management solutions with vendor assessments, risk intelligence, and continuous monitoring — overlapping with Across's lifecycle-based, bank-configurable risk scoring and reporting.
• Aravo: Aravo is a third-party risk and vendor lifecycle management vendor used by financial institutions for supplier due diligence, risk scoring, and compliance — directly comparable to Across's onboarding and periodic review workflows.
• Diligent (Galvanize / ACL): Diligent's Galvanize (formerly ACL) GRC platform is deployed at banks and credit unions for risk, compliance, and audit workflows including third-party risk — a comparable enterprise GRC suite competing for the same buyer budgets.
• Venminder: Venminder is a dedicated third-party risk management platform widely used by banks, credit unions, and other FIs to assess, monitor, and evidence vendor risk — directly overlapping with Across's Oversight-AI workflow for sponsor banks and CUs.

Emerging players

• Sardine: Sardine is an emerging risk and compliance platform for fintechs and banks covering fraud, KYC, AML, and transaction monitoring — overlapping with the BSA/AML and KYC risk indicators Across evaluates within its third-party assessments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/verifyacross

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Across