RbyC - Refink powered by Consilia

What RbyC - Refink powered by Consilia does

RbyC S.r.l. — branded as Refink powered by Consilia — is an Italian regulatory-technology and compliance consulting firm headquartered in Milan, with a secondary office in Rome. The company was formed through the 2024 merger of Consilia Regulatory and Refink by Annunziata & Conso, and operates as a subsidiary of Refink Holding S.r.l. It serves more than 150 regulated financial intermediaries in Italy and across Europe, spanning banks, asset managers, investment firms, payment institutions, e-money institutions, crowdfunding platforms, insurance intermediaries, and fintech entities.

The firm's core offering combines professional advisory services — compliance, internal audit, AML, risk management, ESG, corporate secretariat, training, and corporate tax compliance — with a proprietary software platform called AUDITool. AUDITool is positioned as the technology layer that operationalizes and automates recurring compliance and audit tasks for regulated intermediaries, while the consulting practice delivers senior practitioner expertise, often through individuals with regulator-side backgrounds (including ex-Bank of Italy officials) and academic appointments at Bocconi and Università Cattolica. The business is sales-led, B2B, and distributed through direct relationships and senior advisor referrals.

Commercially, RbyC earns revenue from a mix of recurring outsourced-compliance mandates, project-based regulatory and audit engagements, training programs, and subscription/usage fees on AUDITool. The client base is diversified across regulated verticals, and the firm has built an institutional network spanning TachyON, FMC, INATBA, and 4C to support go-to-market reach into European and digital-asset market infrastructure. Recent strategic moves include the 2025 partnership with Studio Legale e Tributario Paroli Fossa e Associati to launch a Corporate Tax Compliance practice, and the April 2026 appointment of Andrea Coltri as Chief Operating Officer to professionalize operations ahead of further scaling.

Name

RbyC - Refink powered by Consilia

Legal name

RbyC S.r.l.

Website

https://rbyc.eu

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

RbyC is an Italian RegTech firm combining proprietary AUDITool software with senior regulatory advisory to serve 150+ banks, asset managers, payment institutions, crowdfunding platforms, and fintech intermediaries in Italy and Europe.

Ownership category

akta.pro rank

Product category

Regulatory Compliance Consulting

NAICS

Offices of Certified Public Accountants (541211)

SIC

Services-Management Services (8741)

akta.pro primary industry

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

akta.pro secondary industries

Financial Crime, AML/CFT & Sanctions Compliance (BPAHAFAE), Financial Crime Compliance Program Management (Policies, Controls, Training) (FSAMAMAH), Outsourced Finance & CFO Services (BPAHABAE)

Keywords

• Regulatory compliance consulting
• Internal audit outsourcing
• AML compliance services
• Risk management advisory
• Regulatory technology platform

Headquarters

HQ city

Milan, Lombardy

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Professional Consulting Services: Fees for regulatory and compliance consulting services provided to banks, asset management companies, investment firms, and other regulated intermediaries. Services include outsourcing and co-sourcing of control functions (Internal Audit, Compliance, AML, Risk Management).
2. AUDITool Platform Access: Revenue from providing access to the proprietary AUDITool digital platform for ongoing monitoring and control management.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

RbyC provides outsourced and co-sourced regulatory compliance services for Italian and European regulated financial intermediaries, covering Internal Audit, Compliance, AML, and Risk Management control functions. The firm complements its professional advisory practice with AUDITool, a proprietary web platform that enables 24/7 monitoring, documentation, and oversight of control activities. It also delivers adjacent services in ESG, organizational models (D. Lgs. 231/01), corporate secretariat, and training.

Product overview

RbyC - Refink powered by Consilia is a RegTech company offering a combination of proprietary technology products and professional consulting services. The core product is AUDITool, a web-based platform for managing and monitoring internal control functions. This is complemented by a broad portfolio of advisory services covering Control Functions, AML (Anti-Money Laundering), ESG, Organizational Models (including Legislative Decree 231/01), Corporate Secretariat, and Training/Center for Studies. The company serves regulated intermediaries including banks, asset management companies (SGRs), investment firms, payment institutions, crowdfunding platforms, and insurance companies across Italy and Europe.

Differentiator

Problem solved

Functional benefit

Brands

• AUDITool: Proprietary web platform that provides continuous monitoring of internal control processes, AML client profiling support, and dynamic control of outsourcing/co-sourcing activities (Internal Audit, Compliance, AML, Risk Management), available 24/7.

Products and services

• AUDITool Proprietary web platform providing 24/7 monitoring and control of outsourcing/co-sourcing activities for Internal Audit, Compliance, AML, and Risk Management functions, used by regulated financial intermediaries to track risk evolution, SLAs/KPIs, AML profiling, and regulatory updates.
• Control Functions Services (Internal Audit, Compliance, Risk Management) Outsourcing and co-sourcing of Internal Audit, Compliance, and Risk Management control functions for banks, asset managers, investment firms, and other regulated intermediaries operating in Italy and Europe.
• AML (Anti-Money Laundering) Services Anti-money laundering advisory and operational support including AML governance, self-assessment, client profiling, suspicious transaction monitoring, and regulatory adaptation services for banks, asset managers, payment institutions, and other supervised entities.
• ESG Advisory Services ESG advisory covering sustainability disclosure frameworks, climate and environmental risk integration, ESG ratings, and regulatory adaptation for regulated financial intermediaries.
• Organizational Models (D. Lgs. 231/01) Design, implementation, and ongoing maintenance of organizational, management, and control models under Italian Legislative Decree 231/2001, including 231 Supervisory Body support for companies.
• Corporate Secretariat Services Outsourced corporate secretariat services for regulated intermediaries, including board and governing body support, complaint management, and corporate governance administration.
• Training and Center for Studies Specialized training programs (in-house and outsourced), webinars, and educational content covering regulatory, AML, ESG, compliance, and financial sector topics for professionals at regulated intermediaries.
• Corporate Tax Compliance Services Fiscal compliance services including fiscal risk assessment, organizational adaptation, Tax Control Framework development, and TCF certification for companies operating under Italy's cooperative compliance regime and D. Lgs. 221/2023 optional compliance framework, led by Avv. Patrizio Braccioni.

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Studio Legale e Tributario Paroli Fossa e AssociaticoreStrategic or Co-development Partner · 18 September 2025Strategic partnership to develop fiscal compliance services. The partnership creates a specialized division with integrated competencies for managing fiscal compliance under the new cooperative compliance regime and optional compliance framework per D. Lgs. 221/2023. Led by Avv. Patrizio Braccioni as Corporate Tax Compliance Leader, the division will offer fiscal risk assessment, organizational adaptation, Tax Control Framework development, and TCF certification services.
• TachyONminorOthersNetwork partner firm in the FinTech and Banking & Financial Law sectors, contributing to staying abreast of national and international regulatory developments.
• FMC - Fintech Mediation ChamberminorOthersNetwork partner in the FinTech sector, contributing to the partnership network's ability to implement wide-ranging services.
• INATBA (International Association for Trusted Blockchain Applications)minorOthersInternational blockchain association partner contributing expertise in emerging technologies like blockchain and AI.
• 4C - Competence Center for CybercrimeminorOthersCompetence center partner contributing to cybersecurity and digital resilience expertise.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Regnology: Regnology (formerly BearingPoint RegTech) is a leading European RegTech platform providing regulatory reporting, risk, and compliance solutions to financial institutions, directly comparable to RbyC's AUDITool-driven compliance and control function offering for regulated intermediaries.
• Fenergo: Fenergo provides client lifecycle management and regulatory onboarding (KYC/AML) software for financial institutions, a direct peer in the RegTech-for-banks space where RbyC competes via its AML and compliance outsourcing services.
• Archer (an RSA Business, now Regnology): Archer is an integrated risk management platform used heavily by financial services for operational risk, regulatory, and compliance workflows; comparable in functionality to AUDITool's risk and control monitoring capabilities.
• Mitratech (Alyne): Mitratech's Alyne is a SaaS GRC platform for enterprise risk, compliance, and cybersecurity management, directly comparable to AUDITool's control function monitoring and AML/risk management workflows for regulated financial services firms.

Regional players

• Protiviti Italy: Protiviti is a global consulting firm with strong risk and compliance advisory practices in Italy, providing internal audit, AML, and risk management services to banks and financial intermediaries, directly comparable to RbyC's outsourced control function services.
• Reply (Italian tech consulting): Reply is a major Italian technology consulting group with practices in financial services compliance, RegTech implementations, and digital platforms for banks, competing for similar enterprise and Italian banking clients as RbyC.
• BDO Italy (Financial Services Advisory): BDO's Italian Financial Services practice delivers regulatory compliance, internal audit, AML, and risk advisory to Italian banks and intermediaries, competing for the same outsourced control function mandates as RbyC in the domestic market.

Broad incumbents

• Moody's Analytics (Bureau van Dijk / Regulatory Reporting): Moody's Analytics provides risk, regulatory, and compliance solutions for banks and financial institutions, including regulatory reporting and counterparty risk, overlapping with RbyC's outsourced compliance and risk management services for European financial intermediaries.
• ServiceNow Governance, Risk, and Compliance: ServiceNow's GRC suite provides integrated risk and compliance management used by large financial institutions, representing a platform-native competitor to AUDITool for control function oversight and regulatory workflow automation.
• Wolters Kluwer Compliance Solutions: Wolters Kluwer offers OneSumX for Regulatory Reporting and broader compliance solutions across banking, insurance, and asset management globally; competes with RbyC's RegTech plus advisory bundle but serves a much wider customer base with deep regulatory content libraries.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@RbyC
• LinkedInlinkedin.com/company/rbyc-srl

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 RbyC - Refink powered by Consilia