Adalma AI

About Adalma AI

Adalma AI builds agentic AI for regulated financial institutions, purpose-built for US credit unions and community banks. We automate the high-stakes, compliance-heavy work that stretches lean teams, so institutions can manage risk and recover revenue without adding headcount, and without compromising on compliance. Our products: Cernio: AI financial-crime and AML compliance. Cernio automates transaction triage, SAR drafting and attestation, and sanctions screening against SDN and HMT lists, and produces regulator-ready packs aligned to FFIEC, NY DFS Part 504, FinCEN, and OCC expectations. It weights false negatives to reduce the risk you never see, and keeps a tamper-evident audit trail for exam. Cura: compliance-first AI debt collection and recovery. Cura's voice agent works past-due accounts on real calls: verifying identity, securing payment commitments, and processing arrangements, with TCPA calling windows, Reg F contact caps, Mini-Miranda, and cease-and-desist handling enforced in-line. Recover the dollar, keep the member. Why Adalma: • Compliance in-line, not after the fact. Guardrails are enforced before an action, not caught in review. • Runs in your environment. Deploy inside your own VPC where required; your data stays with you. • Agentic, auditable, always on. Every action is logged and attestable. • Built for the underserved middle: institutions too large for spreadsheets, too regulated for generic AI. We work with BSA/AML officers, chief compliance and risk officers, and collections and recovery leaders at credit unions and community banks across the US. Learn more at https://adalma.ai, or reach out for a demo.