Financial Crime, Integrity & Compliance Intelligence
Human-first. AI-enabled. Senior-led.
AIRI helps regulated businesses and international companies identify, assess and manage financial crime, corruption and integrity risk through senior expertise, intelligence-led due diligence, investigations and AI-enabled compliance solutions.
Nordic expertise. Local capability in Spain. International perspective.
- AML & Financial Crime
- Integrity, ABC & Investigations
- AI & Compliance Technology
Three connected capabilities
Senior human expertise, intelligence-led analysis, practical execution and AI-enabled compliance — applied to the risks you actually face.
AML & Financial Crime
Practical AML and financial crime support for regulated businesses — from governance and risk assessments to KYC/CDD, EDD, transaction monitoring, sanctions, training and operational improvement.
- AML frameworks
- Enterprise and customer risk assessments
- KYC / CDD / EDD
- Transaction monitoring
- Sanctions and PEP controls
- Outsourced and fractional AML support
- AML remediation and regulatory readiness
Integrity, ABC & Investigations
Independent intelligence, due diligence and investigative support for organisations exposed to third-party, corruption, fraud, misconduct and reputational risk.
- Integrity Due Diligence
- Enhanced Due Diligence
- Third-party risk
- Anti-Bribery & Corruption
- Corporate investigations
- PEP and public-sector exposure
- Adverse media and reputational intelligence
AI & Compliance Technology
We combine senior compliance expertise with AI and purpose-built technology to make compliance more effective, scalable and operational.
- AML AI strategy
- AI governance
- Compliance automation
- PropComply
- Technology selection
- Workflow design
- Operational optimisation
Technology in use: PropComply — KYC/CDD infrastructure for real estate.
Independent AML Challenge
A senior external challenge of your AML framework, decisions and control environment — without replacing your AML function or internal audit.
- 5 business days
- Founder-led senior review
- 90-minute challenge session
- Written management-ready report
What we challenge
A focused review of the areas where senior judgement, governance and regulatory defensibility matter most.
Governance & risk
Does the enterprise AML risk assessment actually drive controls, risk appetite, priorities and management decisions?
CDD & higher-risk relationships
Is there a defensible link between identified risk, evidence obtained, enhanced due diligence, residual risk and the final decision?
Monitoring & escalation
Are the documented monitoring and escalation principles coherent with the firm's actual risk exposure and operating model?
Management oversight
Could management explain why it believes the AML framework is effective — not merely demonstrate that policies exist?
What we normally review
- Enterprise-wide AML risk assessment
- Core AML policies and procedures
- Latest AML / Compliance / MLRO reporting to management or board
- Major open findings and remediation status
- Selected supporting evidence or anonymised cases where useful
The exact scope is agreed before the review starts.
- 01Agree the scope
Secure handover of the agreed documents and selected supporting evidence.
- 02Senior AML challenge
AIRI reviews the material from a senior practitioner and regulatory-defensibility perspective.
- 0390-minute challenge session
Structured discussion with the Head of AML / Compliance and, where relevant, the formally appointed AML responsible person.
- 04Management-ready output
Concise written findings, challenge points, priority actions and questions management should be able to answer.
What you receive
A concise, decision-ready output designed for AML, management and board use.
Our overall view of the AML control position within the agreed scope.
The issues an experienced external AML reviewer would challenge first.
Clear recommendations on what should be addressed now, next and later.
The questions the CEO, board or formally appointed AML responsible person should be able to answer.
Direct discussion with your Head of AML / Compliance.
Concise enough to be used — not a 70-page consulting document.
Independent AML Challenge
- Defined scope
- Senior founder-led review
- 90-minute challenge session
- Written management-ready report
- No open-ended hourly billing
Scope-limited independent professional assessment. Not internal audit, legal advice, regulatory certification or regulatory approval.
Why companies work with AIRI
AML expertise, regulatory readiness, KYC/CDD/EDD, financial crime controls and operational improvement.
Banks, payment institutions, fintech, real estate, crypto and other AML-regulated businesses.
Explore AML supportIntegrity due diligence, ABC, third-party risk, investigations and local compliance support.
Particularly Nordic groups with subsidiaries, projects, partners or intermediaries in Spain.
Discuss a third-party review
Senior expertise. Direct involvement.
AIRI is led by Andréas Hobbelin, a financial crime and compliance specialist with more than 15 years of experience across banking, forensic investigations, AML, fintech, KYC and financial crime prevention.
Based in Spain and working across the Nordics and Europe.
Clients work directly with senior expertise — not a junior-heavy delivery model.
Operating in Spain?
Nordic companies operating in Spain can face local third-party, integrity, corruption and regulatory risks that are difficult to assess from headquarters.
AIRI provides senior, independent due diligence, ABC support and investigative intelligence locally in Spain.
Nordic AML & Financial Crime Leaders Forum
20 institutions. 20 AML/FCP leaders. Five Nordic countries. One private room.
A private peer forum bringing together senior AML and Financial Crime leaders from Nordic banks, payment institutions and fintechs to exchange experience, challenge established thinking and discuss the future of financial crime prevention.
Human-first, AI-enabled
Senior human judgement remains at the centre of every conclusion. AIRI uses AI-assisted workflows where they improve speed, consistency and analytical coverage — but findings, challenge points and conclusions are reviewed and determined by an experienced AML practitioner.
Facing an inspection, licence event or major remediation programme?
The Independent AML Challenge can be used as a first step. Where a broader review is required, AIRI can perform a deeper AML Inspection Readiness engagement covering agreed areas such as governance, CDD/EDD, monitoring, screening, escalation and remediation.
Scope and pricing agreed separately.
Human-first, AI-enabled AML — lower cost, higher intelligence, defensible by design
AIRI was built around a simple thesis: AML compliance doesn't need more staff and more legacy systems. It needs sharper human judgement, AI-assisted workflows and a risk-based, governance-focused operating model — with humans in control of every decision.
Cost reduction
Cut compliance cost for banks, fintechs and real estate by replacing oversized analyst teams and legacy tooling with AI-assisted, human-judged AML operations.
Human-led, AI-augmented intelligence
Move from reactive case handling to proactive risk intelligence. AI augments — not replaces — analysts on KYC/CDD, EDD, transaction monitoring, PEP/sanctions and trade intelligence, with human judgement on every decision.
Productivity, not headcount
Modern AML throughput without scaling headcount. Replace manual review backlogs and outdated processes with AI-assisted workflows under human oversight.
Replace legacy systems
Modular AML infrastructure that integrates with existing core systems and phases out fragmented, expensive legacy compliance stacks.
Defensible & auditable
Every AI-assisted decision is risk-based, explainable and auditable. AIRI does not provide fully autonomous AML compliance — humans remain in control.
Sector-specific reality
AI applied to the actual business model and risk reality of each sector — not a generic horizontal product.
Both AML compliance and operational effectiveness — in the right order
Obligated entities come to AIRI to ensure AML compliance and to make AML operationally effective and efficient. We achieve this by leading with an AML AI Strategy and then sequencing the work in the right order: data, systems, then people — for both input and handling of output.
AML AI Strategy first
Define the risk-based, governance-focused AI strategy before tooling. Scope, oversight, explainability, KPIs and where AI augments humans.
Data
Get the underlying AML data right — sources, quality, lineage, enrichment and screening data. AI is only as strong as the data it acts on.
The right systems
Select and integrate the right AML systems for KYC/CDD, EDD, screening and transaction monitoring — replacing legacy stacks where they hold the operation back.
The right people
The right people on both sides: input (configuration, tuning, governance) and handling output (analysts, investigators, MLRO) — supported, not replaced, by AI.
Built through operational AML experience and sector-focused innovation
- 15+ years AML and financial crime prevention experience
- PropComply participated in GründerAcademy / TheFactory programme (2025)
- PropComply preselected as 1 of 10 startups at SIMED Málaga 2025
- PropComply received Innovation Norway grant support
- Experience across fintech, payments, real estate, mortgage and investigations
AML AI implementation strategy
A practical, risk-based approach to deploying AI in AML — defensible, governed and operationally useful.
See the strategyBuilt on frontline experience from banks, payment institutions and global advisory firms
The combined professional background of AIRI's founder and contributors across Nordic banking, payments, audit and technology delivery.
These are prior employers and engagements of AIRI's founder and contributors. They do not imply endorsement or an existing commercial relationship with AI Risk Intelligence AS.
Trusted by fintechs, real estate agencies, mortgage intermediary and law firm in Norway, Sweden and Spain
Client references relate to advisory, AML/KYC, technology or compliance-related work and do not imply regulatory endorsement.
Integrated AML compliance infrastructure, operations and AI strategy
A practical, sector-specific approach combining AML expertise, technology and operational execution.
AML Operations Support
Operational AML execution, analyst capacity and workflow delivery for regulated and obligated entities.
AML AI Strategy
Risk-based, governance-focused AI strategy with human oversight, explainability and auditability.
Sector-Specific AML Frameworks
AML frameworks adapted to actual business models, operational risk and sector reality.
KYC / CDD / EDD Infrastructure
Practical onboarding, customer due diligence and enhanced due diligence infrastructure.
AML Technology & Workflow Design
Workflow architecture, vendor selection and operational tooling for compliance teams.
Outsourced AML Operations
EU-based AML operations delivery with senior Nordic oversight.
AML Training & Governance
Operational AML training, governance frameworks and board-level reporting.
Spain-Focused Real Estate AML
Sector-specific AML/KYC infrastructure and compliance support for the Spanish real estate market.
Regulated businesses and international corporates
Practical AML solutions adapted to each regulated sector — and integrity, ABC and investigative support for international groups.
Particularly relevant where companies rely on intermediaries, contractors, public-sector relationships, regulated approvals or complex third-party ecosystems.
AML AI Strategy with governance, auditability and human oversight
AIRI helps regulated and obligated entities implement practical, defensible and risk-based AI strategies for AML operations.
AIRI's portfolio of AI-enabled AML compliance products, services and operational ventures
Built and operated by AIRI to apply the Human-first, AI-enabled AML approach in real markets — across regulated financial services, real estate and high-risk obligated entities.
Outsourced AI-assisted AML operations centre
European AML operations from Málaga — KYC/CDD, EDD, transaction monitoring and screening, AI-assisted and human-judged.
One Client, One KYC/CDD for real estate
KYC/CDD standardisation infrastructure shared across agents, brokers, lawyers, developers, notaries and banks.
AML expertise for Spanish real estate
Operational AML support, frameworks and SEPBLAC-focused implementation for real estate obligated entities in Spain.
Practical AML training for Spanish real estate
Mobile-first AML training app for real estate professionals operating under Spanish AML obligations.
Frequently asked questions — AML, integrity and Spain
What does AI Risk Intelligence AS (AIRI) do?
AIRI is a Norway-headquartered, AI-enabled AML and financial crime prevention company. It helps banks, fintechs, payment institutions, real estate firms and other obligated entities improve AML effectiveness, reduce compliance friction, strengthen governance and responsibly implement AI within financial crime prevention programmes. AIRI is not a traditional AML consultancy — it operates at the intersection of AML, financial crime intelligence, AI strategy, AI governance, AML operations and compliance technology.
Can AI replace AML analysts?
No. AI does not replace AML analysts. AIRI deploys AI as an analyst and workflow enabler — accelerating onboarding triage, alert prioritisation, adverse media review, EDD drafting and quality assurance — while human analysts retain judgement on every decision. Final legal and regulatory responsibility remains with the obligated entity. This is a Human-first, AI-enabled model, not autonomous AML.
What is Human-first, AI-enabled AML?
Human-first, AI-enabled AML is AIRI's operating model: AML programmes are designed around qualified human judgement, with AI deployed under governance, explainability and human oversight to increase throughput, sharpen intelligence and lower cost. AI augments AML operations across KYC, CDD, EDD, transaction monitoring, PEP/sanctions screening and investigations — but humans remain accountable for every decision.
Which sectors does AIRI serve?
Banks, payment institutions, electronic money institutions (EMIs), fintechs, cross-border payment providers, crypto and virtual asset service providers, online gambling operators, real estate companies, mortgage intermediaries and other high-risk obligated entities — primarily across Norway, the Nordics, the EU/EEA, the UK and Spain.
How does AIRI approach AI governance for AML?
AIRI applies a structured AI governance framework covering AI risk assessments, model and vendor governance, human oversight roles, explainability requirements, auditability and change control. AI use is risk-based, documented and defensible — aligned with supervisory expectations and the EU AI Act.
What is Integrity Due Diligence?
Integrity Due Diligence (IDD) is an intelligence-led assessment of a company, its owners, key individuals and connections before or during a business relationship. It covers ownership and UBOs, PEP and public-sector connections, adverse media, regulatory history, litigation, conflicts of interest and integrity red flags.
Who should undergo third-party due diligence?
Agents, intermediaries, consultants, distributors, suppliers, contractors, joint venture partners, introducers and local business partners — particularly where they interact with public officials, handle sensitive approvals or operate in higher-risk jurisdictions.
How does Integrity Due Diligence differ from KYC?
KYC is a regulatory onboarding process for obligated entities, focused on identification, verification and risk classification. Integrity Due Diligence goes deeper and is used by any company: it looks at reputation, connections, conduct, conflicts and corruption risk to support informed commercial decisions.
Can AIRI investigate a potential business partner in Spain?
Yes. AIRI conducts integrity and enhanced due diligence on Spanish companies, owners, intermediaries and partners, combining local presence in Spain with Nordic compliance expectations.
Does AIRI support anti-bribery and corruption programmes?
Yes. AIRI supports ABC risk assessments, third-party and intermediary controls, gifts and hospitality, conflicts of interest, procurement integrity, local policy implementation and compliance control reviews.
Can AIRI support Nordic headquarters with compliance issues in Spain?
Yes. AIRI supports Nordic group compliance, legal and audit functions with local due diligence, control reviews and investigative support relating to subsidiaries, branches, projects and partners in Spain.
Does AIRI provide legal advice in Spain?
AIRI provides compliance, risk, intelligence and investigative support. Where formal Spanish legal advice is required, we work alongside appropriately qualified legal counsel.
Reduce AML friction without weakening control
Book a confidential discussion regarding AML operations, AML AI strategy, sector-specific AML frameworks or outsourced AML support.