Compliance is not a checkbox. It's our core infrastructure
ZTL’s security architecture supports every transaction and API call for banks and regulated platforms in Norway, Sweden, and Denmark.
Regulated by the Norwegian Financial Supervisory Authority (FSA)
Four layers. One secure stack.
Each domain maps to a capability layer in our architecture – operational controls for due diligence.
AML & KYC
“AI-driven onboarding and monitoring, built to scale.”
We combine a custom-built KYC platform with Hawk.ai’s real-time transaction monitoring to deliver continuous risk detection. Our stack evolves with the market — ensuring best-in-class AML capabilities at all times. Every onboarding is API-driven, auditable, and built to satisfy cross-jurisdictional requirements.
- API-driven, single-session KYC onboarding for corporate entities
- Real-time transaction monitoring powered by Hawk.ai ML models
- UBO mapping with automated PEP & sanctions screening
- Automated risk scoring and alert triage workflows
- Continuous re-screening — not just point-in-time checks
- Full audit trail and case management for compliance teams
Hawk.ai — Real-time transaction monitoring engine
Secure Payments
With Verification of Payee (VoP) and advanced fraud controls, ZTL ensures every transaction is validated before execution. This reduces risk, prevents fraud, and improves payment speed for our partners — in close collaboration with Movitz Payments. Every payment flows through a multi-stage pre-execution validation layer before it touches the network.
- Verification of Payee (VoP) — account holder validation before execution
- Pre-execution fraud scoring on every transaction
- Velocity controls and anomaly detection
- Multi-bank settlement with atomic reconciliation
- ISO 20022 compatible message format
- Full transaction audit log with immutable records
Movitz Payments — Transaction layer partner
GRC
Together with Gyro Consult, we’ve developed an AI-powered governance platform that keeps us ahead of regulatory requirements — enabling scalable, real-time compliance mapping across markets. Regulatory change is tracked automatically. Obligations are mapped to controls. Evidence is collected continuously, not at audit time.
- AI-powered regulatory change tracking across NO, SE, DK
- Obligation-to-control mapping with continuous evidence collection
- DORA and NIS2 compliance posture dashboard
- Supplier and third-party risk management
- Board-level reporting and audit-ready exports
- Incident and breach management workflows
Gyro Consult — AI-powered GRC platform
Platform Security
Built on Microsoft Azure and Intility’s managed cloud infrastructure, and continuously tested by Heist (penetration testing) and Aikido (application security), our platform is designed for resilience, scalability, and compliance with frameworks like DORA and NIS2. We don’t wait for audits — security is a live, continuous process.
- Load-tested for future scale
- Cloud-native architecture on Microsoft Azure — no legacy dependencies
- Managed infrastructure via Intility with enterprise SLAs
- Regular penetration tests by Heist Security
- Continuous application security scanning via Aikido
- Zero-downtime deployment pipelines with rollback controls
- Data encryption at rest and in transit (AES-256 / TLS 1.3)
Best-in-Class Specialist Partners
We work with top partners to deliver quality and expertise at every stage.
Security built into every step
From onboarding to live payment execution, compliance controls are embedded — not bolted on.
KYC Onboarding
API-driven single session. Identity, UBO and sanctions checks in minutes.
Payment Validation
VoP + fraud scoring on every transaction before it reaches the network.
Continuous Monitoring
Hawk.ai monitors all live transactions for anomalies in real time.
GRC & Audit Ready
Regulatory posture tracked continuously. Evidence exportable on demand.
Numbers behind the claims
Concrete operational metrics — available in full during due diligence sessions.
99.99%
Platform uptime
Measured over 12 months across production. SLA-backed with Intility.
<200ms
AML screening latency
Hawk.ai real-time scoring. Compliance never delays payment execution.
40k
Corporates onboarded
Entities KYC’d across Norway, Sweden, Denmark — zero regulatory penalties.
3
Active regulatory markets
FSA Norway · FI Sweden · Finanstilsynet Denmark. Simultaneously compliant.
2×/yr
Annual pen testing + Recurring Security Testing
Full adversarial tests every 6 months by Heist Security across all layers.
100%
Cloud-native
Zero on-premise. Built from the ground up on Azure — no legacy bottlenecks.
Start your compliance
review today.
Our compliance team is available for technical briefings, due diligence sessions, and full documentation requests. Regulated by the Norwegian FSA.
Trusted by industry leaders
Voices from compliance, security, and technology leaders who have completed due diligence on ZTL.
Want to talk about
compliance?
Feel free to contact us for any security, compliance,
or due diligence enquiry.
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