Scale faster.
Stay compliant.

The end-to-end compliance engine for fintechs.
Review, approve and move 10x faster.

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PRODUCT

What to expect

Horizon scanning

Track regulatory change, see which policies, procedures, and controls are impacted, and auto-trigger the right reviews.

Policy management

Map key obligations into procedures and controls, run audit-ready gap analysis with remediations, and set auto-reminders with version control.

Training and awareness

Auto-trigger training reviews when policies change, track what needs updating, and keep evidence aligned for audits.

1st line approvals

Automate product governance so teams can launch and maintain regulated products, and get marketing content approved faster.

Reduce enforcement risk. Scale with change.

Less time-to-remediation across change

~90%
Hours saved across reviews and updates

20+
First-pass approval rate under higher volume

80%+

Why teams choose Umbra

Legal and compliance grounding

Every output is anchored in legal and compliance context, with transparent reasoning teams can rely on for defensible decisions.

Suitable for all teams

Umbra supports day-to-day product, marketing, and compliance workflows with clear guidance teams can apply quickly and consistently.

Drafting and reviewing

From first-pass drafting to final review, Umbra helps teams reduce iteration cycles while preserving quality, consistency, and policy alignment.

Integrated with your tech stack

Umbra integrates with the tools teams already use—SharePoint, Confluence, and email—so reviews move faster without changing how your organisation works.

SOLUTIONS

Umbra streamlines everything from risk assessments to drafting and review.

Review financial products

Launch regulated financial products without getting stuck waiting for compliance approvals.

Map legislation

Filter relevant regulations to find the business requirements that apply to your legal profile.

Policy and control analysis

Run gap analyses using your internal documentation and address blind spots with actionable suggestions.

			Documentation
MiFID II	Article 1Art. 1	Applicable	[13] Structural Risk AssessmentRisk Assessment	No gap
MiFID II	Article 2Art. 2	Applicable	[19] Outsourcing	Gap
MiFID II	Article 3Art. 3	Not Applicable
MiFID II	Article 4Art. 4	Not Applicable
MiFID II	Article 5Art. 5	Applicable	[37] Financial ReportingFin. Reporting	Gap
MiFID II	Article 6Art. 6	Applicable	[49] IT Infrastructure	No gap
MiFID II	Article 7Art. 7	Applicable	[3] Access ManagementAccess Mgmt	No gap
MiFID II	Article 8Art. 8	Not Applicable

IT Access Management

Access to systems is granted according to the principle of least privilege, in line with DORA Article 9 requirements for ICT risk management. Access requests must be approved by the user’s manager and the system owner. Periodic access reviews are conducted quarterly as part of the controls mandated under DORA Article 9(2)(d).

Product Governance and Launch Controls

Before launching any new financial product, the product governance team must identify document the target market and intended distribution strategy, and assess the product’s risks. All product information must be reviewed and approved by compliance. All product approvals must include a sign-off from compliance and a periodic review schedule to ensure ongoing suitability, in line with MiFID II Article 16.

Require review 3

Approved 14

INDUSTRIES

Who is Umbra built for?

Capital markets
Crypto
Payments
Banks

FAQ

Umbra is the end-to-end compliance engine for regulated industries. It aligns 1st and 2nd line teams, helps review and approve changes faster, and provides clear next steps so you can move quickly with confidence.

Yes. Umbra is built with strict GDPR-aligned governance and data controls, with AI inference hosted on secure Dutch servers to support data sovereignty requirements. Security and access boundaries are designed for regulated, enterprise environments. Umbra is DORA- and GDPR-compliant.

Umbra reasons from applicable legislation and compliance context relevant to your product, jurisdiction, and internal policies. It analyses submitted materials, identifies unmet requirements, and produces grounded revisions and explanations instead of generic responses.

Umbra is designed to minimise hallucinations by grounding outputs in compliance logic and source context. The workflow is structured around gap detection, proposed fixes, and explicit reasoning so teams can validate decisions before release.

Yes. Umbra is built to integrate with existing compliance tooling and workflows, so teams can improve speed and quality without replacing their current operating model. Integration priorities can be scoped to your stack and governance requirements.

Scale faster.Stay compliant.