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The operating system for compliance program management

Tell the story of your compliance program and prove that it works.

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col·loid /ˈkɒl.ɔɪd/ noun

A stable system where different particles are held together in suspension. See also: your compliance program.

Built by a former OCC Bank Examiner and Compliance Leader at Kraken and OKX

The problem

Every compliance story starts with chaos

"Prove it."

works as designed

Every examiner asks the same question: can you prove your compliance program works? Most teams can’t answer without scrambling.

AML ≠ compliance program

the industry’s blind spot

Every vendor builds for AML operations. Nobody builds for the compliance program that ties everything together.

6+ tools

duct-taped together

The average compliance team juggles spreadsheets, shared drives, email, ticketing systems, and document repos just to manage one program.

Zero

real-time visibility

Into your compliance posture until the day an examiner walks in. By then it’s too late to fix what’s broken.

How it works

Colloid gives your story structure

Set up your program

Particle, our compliance assistant, walks you through onboarding
Configure your business profile and select your regulatory frameworks
Colloid generates your compliance program pre-built and ready to use from day one

Connect everything

Controls, risks, policies, products, vendors, issues, and testing all share data in real time
Visualize how products connect to controls, risks to regulations, and evidence to requirements
Spot the gaps instantly

Manage your program

One platform your team opens every morning
Track issues, test controls, manage audits, review policies, oversee vendors, and monitor risks
Everything links back to the products and regulations it touches

Tell your story

When an examiner, board member, or banking partner asks “prove it,” you’re ready
Generate evidence packets and compliance narratives on demand

Tell your compliance story

Open before every board meeting, exam, or banking partner review
Particle generates board reports and exam packages by pulling data across your entire program. You review and edit, not write from scratch
Generate narratives tailored to your audience
Export PDF-ready documents with real data from your program
Stop scrambling the night before an exam

Map everything that matters

See your entire compliance program as a connected map
Products link to controls, controls link to risks, risks link to regulations
Particle continuously scans your map for gaps: unlinked controls, risks without mitigation, requirements without evidence. Issues get created automatically
Build guided walkthroughs of your program for any stakeholder

Your Particle compliance partner

Particle works inside every module
Particle isn’t a chatbot bolted on top. It lives inside every module of your compliance program
It drafts policies when you add a new framework. It generates test scripts from your control descriptions. It parses examiner request letters and matches them to existing evidence
It suggests remediation plans when controls fail. It flags which policies need updating when regulations change
Every action in Colloid is a starting point, not a blank page

Ship products, stay compliant

Upload a PRD and Particle identifies the compliance obligations before your team writes a line of code
Particle suggests controls, risks, and requirements based on the product type and data being handled. Your compliance obligations surface before development starts
Catch gaps at the product stage, not after launch
Design compliant customer workflows with pre-built templates for KYC, KYB, and offboarding

Inside the platform

Built for every chapter

Risk Assessment

Controls

Define, implement, and monitor compliance controls mapped to regulatory requirements. Every control links to the products, risks, and regulations it touches.

Issues

Capabilities

Every chapter covered

Foundation

Ch. 1Company ProfileThe foundation Particle uses to generate your entire compliance program. Define your business lines, products, jurisdictions, and entity structure — everything else builds from here.

Ch. 2People & EntitiesMap your organizational structure, roles, and entity relationships. Know exactly who owns what across every compliance obligation.

Ch. 3RegulatorySelect and configure the regulatory frameworks that govern your business. Colloid tailors your controls, policies, and testing to match.

Framework

Ch. 4ControlsDefine, implement, and monitor compliance controls mapped to regulatory requirements. Every control links to the products, risks, and regulations it touches.

Ch. 5Policy & GovernanceVersion-controlled policies with review cycles, attestations, and board oversight. Particle drafts new policies when you add a framework.

Ch. 6Risk AssessmentIdentify, score, and monitor compliance risks across your program. Mitigation plans connect directly to controls and testing schedules.

Operations

Ch. 7IssuesTrack findings from discovery to closure with assigned remediation and resolution timelines. Issues link back to the controls and tests that surfaced them.

Ch. 8TestingSchedule and execute control testing with automated evidence collection. Know which controls are working and which need attention before an examiner asks.

Ch. 9TrainingAssign, track, and report on compliance training across your organization. See completion rates by team, role, or regulation.

Ch. 10Vendors & IntegrationsAssess and monitor third-party risk with vendor profiles and due diligence tracking. Connect external tools so data flows without manual re-entry.

Evidence

Ch. 11AuditOrganize workpapers, manage exam prep, and deliver evidence packages to examiners. Everything is already linked — no last-minute scramble.

Ch. 12External RequestsHandle information requests from examiners, auditors, and banking partners in one place. Match requests to existing evidence automatically.

Ch. 13SubmissionsTrack regulatory filings, certifications, and reporting deadlines. Never miss a submission window or let a renewal lapse.

Ch. 14Compliance StoryGenerate narratives, board reports, and exam packages that prove your program works. This is how you answer "prove it" — on demand, with real data.

Regulatory coverage

BSA/AMLOFACKYC/CIPCDD/EDDSAR/CTRTravel RuleState MTLNYDFS BitLicenseFATFFinCENEU AMLDUK MLRPSD2GDPRCFPB

Who it's for

For every stage of your compliance journey

Startups

Building compliance from scratch

You need to show your banking partner, investors, and regulators that you have a real compliance program. Colloid sets up your entire program in hours, not months, so you can focus on building your product.

Scaling Fintechs

Adding products, entities, and regulators

Every new product launch means new controls, new risks, and new requirements. Colloid keeps everything connected so nothing falls through the cracks as you scale.

Crypto & MSB Teams

Proving your program to every examiner

State regulators, FinCEN, banking partners—they all want to see a different slice of your program. Colloid lets you tell each audience the right story with the same underlying data.

Compliance Consultants

Running 5 programs like you have 50 people

Each client needs their own controls, policies, testing, and reporting. Colloid gives you a separate workspace for each client and generates the deliverables that keep them coming back.

“I've seen what breaks under pressure. Colloid is the tool I wish I had.”

Jordan Colston

Former OCC Bank Examiner • Compliance leader at Kraken and OKX

Ready to tell your compliance story?

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