At Cogniwave Dynamics, we develop specialized artificial intelligence solutions for risk management, compliance, quantitative finance, and customer relations. Our expertise includes integrating robust, explainable AI models into highly critical banking and insurance processes, complying with European and international regulatory requirements.
Key use cases:
Automated Processing & Compliance:
- Semantic extraction and classification of regulatory documents (KYC, etc.).
- Intelligent indexing of contracts, information notices, and audit reports using multilingual NLP engines.
- Automatic summaries & Q&A on internal regulatory corpus for compliance teams (RegTech).
- Intelligent credit or risk scoring based on combined analysis of structured and unstructured data (statements, supporting documents, digital behavior).
- Generative chatbots, FAQs, and personalized customer relationships.
Risks & Stress Tests:
- Automation of stress test scenarios (macroeconomic, adverse, climatic) using generative AI for data simulation.
- Sensitivity modeling to market shocks: scenario analysis based on rate, spread, FX, volatility shocks, aggregated by portfolio or business line.
- Liquidity risk estimation through cash flow simulation and behavioral modeling for uncertain maturity products (e.g., sight deposits).
- Forecasting Value at Risk (VaR) or Expected Shortfall using hybrid models.
- Backtesting internal and challenger models aligned with ECB, EBA, or ACPR requirements.
Scoring, Fraud & Customer Relations:
- Real-time detection of suspicious behaviors in transactions or connections using graph mining and behavioral alerting (anti-fraud).
- Dynamic credit scoring integrating alternative sources (Open Banking, free text, behavioral history).
- AI assistants for claims reporting or customer advisory, interfaced with existing business systems.
Sector Guarantees:
- Compliance with regulatory frameworks: BCBS 239, Basel III/IV, IFRS 9/17, DORA, EIOPA guidelines.
- Explainable and auditable AI (XAI): visualization of weights, SHAP values, documentation of biases, and robustness.
- Deployment in isolated environments, on-premise, private cloud, or certified cloud.
- Multi-team support: Risk Management, Modeling, IT Risk, Internal Audit, CIO, Data Governance.
