roe-ai
Roe AI builds an agentic AI platform that automates fraud, dispute, and AML investigations for regulated financial institutions. AI agents follow customer SOPs, cite evidence, and produce audit-ready dispositions. Production customers include Affirm, eBay, and a Global Systemically Important Bank.
- Company typePrivate
- Founded2023
- HeadquartersSouth San Francisco, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What roe-ai does
Roe AI is an enterprise software company building an agentic AI platform that automates fraud, dispute, and AML investigations for regulated financial institutions. Founded in 2023 and headquartered in San Francisco, the company serves card issuers, BNPL providers, marketplaces, banks and sponsor banks, crypto compliance teams, sportsbooks and prediction markets, and insurance carriers. Named production customers include Affirm, eBay, Crossmint, Next Insurance, Dutchie, Arc, a prediction market, and a Global Systemically Important Bank, and the company claims an aggregate customer market cap above $400B with 20,000+ daily reviews handled across deployments.
The platform deploys specialized AI agents — including a Fraud Investigation Agent, AML L1 Agent, Merchant Risk Agent, Fraud Support Agent, Fraud Trend Agent, and Data Standardization Agent — that read structured and unstructured evidence together (SQL across data warehouses plus PDFs, images, websites, social media, and call recordings), follow customer SOPs line by line, cite evidence per step, and produce audit-ready dispositions. A closed-loop learning mechanism converts every QA review into labeled training data that feeds the customer's detection stack. Deployment options include single-tenant VPC on AWS, GCP, or Azure with customer-managed encryption keys, immutable per-case audit trails exportable to GRC systems, versioned/git-tracked SOPs and prompts, and SOC 2 Type II, HIPAA, and GDPR attestations. The company also exposes its agents via a Model Context Protocol (MCP) server for AI assistants such as ChatGPT, Claude, and Cursor, alongside a REST API and Python SDK.
Roe operates a direct enterprise field-sales motion with a "Book a demo" CTA and solutions-engineering-led deployments, targeting regulated fintechs and banks where alert volumes and regulatory stakes justify enterprise contracts; pricing is quote-based. The company reports 86% day-one accuracy on production cases, 75% cost reduction versus offshore fraud operations, 91% faster time-to-disposition, and a fastest time-to-first-production-decision of one week, aggregated across live deployments. Roe is backed by Gradient Ventures (lead), Y Combinator, Ardent Venture Partners, Orange Collective, Group 1001, Superlinked, Frigade, and Snowflake executives, with a leadership team drawn from Snowflake's Gen AI organization, Google, LinkedIn, Uber, and Afterpay.
roe-ai firmographics
Firmographics- Name
- roe-ai
- Legal name
- Roe.ai Inc.
- Website
- https://roe-ai.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Roe AI builds an agentic AI platform that automates fraud, dispute, and AML investigations for regulated financial institutions. AI agents follow customer SOPs, cite evidence, and produce audit-ready dispositions. Production customers include Affirm, eBay, and a Global Systemically Important Bank.
- Ownership category
- akta.pro rank
roe-ai industry classification
Industry- Product category
- Fraud and AML Investigation Software
- akta.pro primary industry
- Fraud Detection, Identity & KYC/AML for Mortgages (FSALALAH)
- akta.pro secondary industry
- Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies) (HDAEANAE)
Keywords
Where roe-ai is headquartered
LocationHeadquarters
- HQ city
- South San Francisco
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
roe-ai business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D
Revenue model
- SaaS Platform Subscription: AI-powered investigation platform delivered as SaaS. Subscription-based pricing with single-tenant VPC deployment options. Pricing likely quote-based given enterprise focus and complex deployment scenarios.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels6 records
roe-ai product offering
Product offeringCore offering
Roe AI provides an agentic fraud and AML investigation platform for regulated financial institutions. AI agents read structured and unstructured data (SQL databases, PDFs, images, websites, social media, call recordings), follow customer SOPs line by line, cite evidence, and produce audit-ready dispositions for fraud, dispute, and AML cases. The platform is delivered as a SaaS solution with single-tenant VPC deployment options on AWS, GCP, or Azure.
Product overview
Roe is an agentic fraud and AML investigation platform. It consists of a core Agent Platform with multiple specialized AI agents: Fraud Investigation Agent (investigates fraud cases end-to-end following SOPs), AML L1 Agent (handles AML alerts and SAR narratives), Merchant Risk Agent (assesses merchant risk for payment processors), Fraud Support Agent (drafts customer responses), Fraud Trend Agent (identifies emerging fraud patterns), and Data Standardization Agent (normalizes data across sources). The platform is complemented by Training & Guardrails (for SOP-based agent training) and Private LLM Deployment (single-tenant VPC option on AWS, GCP, or Azure). The platform integrates with data warehouses (Snowflake, Google Cloud, Databricks), risk data providers (LexisNexis, Dow Jones, TransUnion), case management systems (Verafin, NICE Actimize, Hummingbird, ComplyAdvantage), and customer support tools (Zendesk, Intercom, Pylon).
Differentiator
Problem solved
Functional benefit
Products and services
- Agent Platform The core agentic fraud and AML investigation platform. AI agents read data, follow customer SOPs line by line, cite evidence, and ship dispositions that QA teams, partner banks, and examiners can sign off on. Built for fraud, dispute, and AML investigation workflows at financial institutions.
- Fraud Investigation Agent AI agent that walks SOPs line by line for fraud cases. Reviews alerts, fetches transaction and profile data, computes metrics and linkage checks, screens sanctions and adverse media, applies SOP rules, and finalizes disposition for fraud investigators.
- AML L1 Agent AI agent for Anti-Money Laundering Level 1 investigation. Investigates AML alerts, performs customer due diligence, and produces SAR-ready narratives for compliance teams at banks and financial institutions.
- Merchant Risk Agent AI agent for merchant risk assessment. Analyzes merchant data, detects high-risk patterns, and produces risk dispositions for payment processors, card networks, and sponsor banks.
- Fraud Support Agent AI agent for customer support in fraud workflows. Reads case files and drafts customer responses and appeals inside the inbox tools teams already use, including Zendesk, Intercom, and Pylon.
- Fraud Trend Agent AI agent that identifies and analyzes emerging fraud trends and typologies across customer data, helping risk teams stay ahead of evolving attack patterns.
- Data Standardization Agent AI agent that normalizes and standardizes data formats across different sources for consistent fraud and AML analysis, enabling unified reasoning over heterogeneous data inputs.
- Training & Guardrails Platform module for training AI agents on customer-specific SOPs and policies. QA feedback refines agents continuously, and every correction becomes labeled data feeding the detection stack. Includes versioned, git-tracked policies.
- Private LLM Deployment Single-tenant VPC deployment option on AWS, GCP, or Azure. Customer-managed encryption keys available on request, zero data retention on customer data, and the data plane never leaves the customer environment.
Quantifiable outcome
- 86% day-one accuracy on production cases
- +3 more outcomes
Companies that use roe-ai
Customer profileNamed customers8 records
Segments7 records
Ideal customer profiles5 records
roe-ai technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration18 records
AI capability8 records
Feature6 records
roe-ai partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core.
- SnowflakecoreData warehouse integration. Roe reads customer, transaction, and case data from Snowflake where it already lives.
- Google CloudcoreData warehouse integration and AI infrastructure provider. Single-tenant VPC deployment option.
- DatabrickscoreData warehouse integration. Roe reads customer, transaction, and case data where it already lives.
- LexisNexiscoreRisk data provider for sanctions, PEP, adverse media screening.
- Dow JonescoreRisk data provider for sanctions, PEP, adverse media screening.
- TransUnioncoreRisk data provider for KYC, KYB, credit signals.
- AWS AIcoreAI infrastructure provider powering Roe AI Products. Single-tenant VPC deployment option.
- AnthropiccoreAI service provider powering Roe AI Products.
- Microsoft Azure AIcoreAI infrastructure provider powering Roe AI Products. Single-tenant VPC deployment option.
- OpenAIcoreAI service provider powering Roe AI Products.
- VerafincoreCase management integration. Posts cited dispositions and SAR-ready narratives back to Verafin.
- NICE ActimizecoreCase management integration. Posts cited dispositions back to case manager.
- HummingbirdcoreCase management integration. Posts cited dispositions back to case manager.
- ComplyAdvantagecoreCase management and AML data provider integration.
- SalesforcecoreCRM integration. Joins customer records and internal apps in the case file.
- RetoolcoreOps tooling integration. Joins customer records and operator workflows in the case file.
- ZendeskcoreCustomer support integration. Drafts customer responses and runs appeals inside the inbox.
- IntercomcoreCustomer support integration. Drafts customer responses and runs appeals.
Scale indicators6 records
Recent moves5 records
Expansion highlights5 records
roe-ai competitors and assessment
Company assessmentDirect peers
- Featurespace: Adaptive behavioral analytics for fraud and AML, deployed at large card issuers and banks. Directly comparable on AI-driven transaction risk decisioning, with deeper incumbent footprint in card networks versus Roe's BNPL/marketplace concentration.
- Resistant AI: AI-driven document fraud and transaction laundering detection for financial institutions. Directly comparable on the AI-for-financial-crime axis, with overlap in typology coverage and target buyers (banks, processors, fintechs).
- ComplyAdvantage: AML and financial-crime intelligence platform offering transaction monitoring, sanctions/PEP screening, and case management. Roe already integrates with ComplyAdvantage, reflecting overlap in addressing the same AML buyer; it competes more on case-management depth and AI-agent execution.
- Unit21: Risk and compliance operations platform with case management, AML monitoring, and fraud rule/ML tooling for fintechs and banks. Comparable to Roe on the GRC operating layer, with overlapping buyer personas in BSA/AML and fraud operations.
- Feedzai: Established AI-native fraud detection platform serving global banks, card issuers, and payment processors. Closest large-scale direct competitor to Roe's Fraud Investigation Agent and overall risk-operations automation thesis.
- Sardine: AI-native fraud and AML platform for fintechs and crypto-native companies. Directly comparable to Roe in targeting financial institutions with agentic/ML-driven risk decisioning, though Sardine leans earlier in the customer lifecycle (onboarding/KYC) versus Roe's investigation-deep focus.
Broad incumbents
- Verafin: Large-scale fraud detection and AML case-management platform owned by Nasdaq, widely deployed across US community and regional banks. Roe posts cited dispositions into Verafin; comparable buyer base but Verafin is the system of record while Roe is the investigation layer.
- NICE Actimize: Largest enterprise AML, fraud, and financial-crime case-management vendor; Roe integrates with it today. Comparable as a buyer-of-record for bank AML programs but operates at a much broader portfolio scope than Roe's investigation-agent focus.
Emerging players
- Theta Lake: AI compliance platform focused on communications surveillance (voice, video, chat, email) for regulated firms. Adjacent to Roe in 'AI agents for compliance review' but specialized in comms rather than transactional fraud/AML investigations.
- Hummingbird: Regtech platform for AML, KYC, and regulatory reporting used by fintechs and challenger banks. Roe integrates with Hummingbird's case manager; comparable on compliance-operations scope but with less emphasis on agentic investigation depth.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
roe-ai social profiles
Digital presenceroe-ai compliance and trust
Trust signalCompliance4 records
roe-ai financial estimates
Financial estimateRevenue estimate
Valuation estimate
roe-ai leadership team
Management profileNumber of profiles
Profiles6 records
roe-ai funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
roe-ai M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about roe-ai
What does roe-ai do?
Roe AI provides an agentic fraud and AML investigation platform for regulated financial institutions. AI agents read structured and unstructured data (SQL databases, PDFs, images, websites, social media, call recordings), follow customer SOPs line by line, cite evidence, and produce audit-ready dispositions for fraud, dispute, and AML cases. The platform is delivered as a SaaS solution with single-tenant VPC deployment options on AWS, GCP, or Azure.
Is roe-ai a public or private company?
roe-ai is a private company. It is classified as venture growth investor backed and is currently operating.
When was roe-ai founded?
roe-ai was founded in 2023. It employs 11 to 50 people.
Where is roe-ai based?
roe-ai is headquartered in South San Francisco, United States, in the North America region.
How does roe-ai make money?
One revenue line is on record: saaS Platform Subscription.
Who are roe-ai's main competitors?
Direct peers on record are Featurespace, Resistant AI, ComplyAdvantage, Unit21, Feedzai and Sardine. Broad incumbents are Verafin and NICE Actimize. Emerging players are Theta Lake and Hummingbird.
Does roe-ai have an API?
Yes. Roe provides a REST API for managing agents, policies, webhooks, datasets, and database queries. The API supports agent creation, version management, running agents synchronously or asynchronously, job status polling, table queries, policy management, webhook configuration, and file/dataset operations. Authentication uses Bearer tokens. Available via https://api.roe-ai.com. Developer documentation is at docs.roe-ai.com/api-reference/introduction.
What industry is roe-ai in?
roe-ai's product category is Fraud and AML Investigation Software. Its primary akta.pro industry code is FSALALAH, Fraud Detection, Identity & KYC/AML for Mortgages, with a secondary code of HDAEANAE, Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies).