Unit21
ComplyAdvantage
Hummingbird
Feedzai
Chainalysis
What is ROE AI?
Founded in 2023 and headquartered in San Francisco, Roe builds AI agents for fraud, disputes, AML and merchant-risk investigations. Its current product site reports 20,000+ daily reviews and single-tenant deployment options.
Roe is an agentic investigation platform for fraud, disputes, AML, merchant risk and marketplace compliance. It connects to customer transaction, case-management, CRM and public-data sources, then investigates alerts by querying structured records and researching unstructured evidence such as websites, documents, images and call transcripts. Agents follow customer SOPs and produce a disposition with evidence references, reasoning and an immutable case trail rather than only a risk score or summary.
The platform covers transaction-monitoring alerts, enhanced due diligence, merchant underwriting, disputes and chargebacks, product-policy review and marketplace compliance. Policy and agent configurations are versioned, and analyst feedback can tune future investigations. Roe's public materials describe zero data retention, customer-managed keys on request, role-based access, SSO/SCIM, private VPC deployment and SOC 2 Type II, HIPAA and GDPR controls. Public materials do not provide a complete connector inventory or framework-certification scope.
Roe targets banks, card networks, BNPL providers, marketplaces, crypto-native compliance teams and other organizations with high investigation volumes and regulated decisions. The company says deployments can run in a customer's AWS, GCP or Azure environment, with on-premises availability. Pricing is quote-based, and no official public price or free trial is listed. Buyers can configure investigation agents around their own procedures and evidence sources.
Key features
AML investigations
Investigates transaction-monitoring and EDD cases, traces patterns and counterparties, and can produce SAR-ready narratives with cited evidence.
Fraud investigations
Combines transaction, account, device, dispute and behavioral data to investigate suspected fraud and support analyst decisions.
Merchant risk review
Checks merchant identity, beneficial ownership, business legitimacy, web presence, product mix and risk indicators.
Unstructured evidence
Reasons across PDFs, images, websites, social content, geolocation and call transcripts alongside warehouse data.
Policy and SOP controls
Applies structured, versioned policies and customer procedures with rollback and traceability for each decision.
Disputes and chargebacks
Reviews support and account history, chargeback evidence and issuer requirements to assemble submission packages and recommend outcomes.
Marketplace compliance
Evaluates listings, descriptions and images against policy rules, gathers supporting evidence and returns approval, denial or further-review decisions.
ROE AI pricing
Roe does not publish list pricing on its official product pages. It sells through custom enterprise quotes, and the public site does not state a pricing formula or minimum contract.
| Plan | Price | What's included |
|---|---|---|
| Custom engagement | CustomScope and fees are agreed with sales; no public named pricing tiers. | Investigation agents, customer data connections, SOP and policy configuration, audit trails, security controls and deployment support |
Free trial: Request a demo or consultation.
Pros & cons
Pros
- Produces cited reasoning trails that link conclusions to fields, documents or web evidence.
- Supports private single-tenant deployment in AWS, GCP or Azure, with on-premises availability stated by the company.
- Covers several investigation queues, including AML, fraud, merchant risk, disputes and marketplace compliance.
- Versioned policies and SOPs make decisions more reproducible and easier to review.
Cons
- Public pricing, contract minimums and a free trial are not disclosed.
- The platform is designed for enterprise investigations rather than lightweight self-serve audit automation.
- Public materials do not provide a complete connector list or framework-coverage matrix.
- AI dispositions still require customer QA and analyst governance for regulated decisions.
Who is ROE AI best for?
- Banks and fintechs that need examiner-ready investigation records for AML and transaction-monitoring queues.
- Marketplaces and acquirers reviewing merchants, listings and prohibited or regulated products at high volume.
- Risk teams that need structured warehouse data and messy web or document evidence investigated together.
- Organizations willing to fund a tailored enterprise deployment rather than buy self-serve compliance software.
Audit areas
Integrations
Notable customers
Frequently asked questions
How much does ROE AI cost?
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Roe does not publish a list price. It sells through a custom enterprise quote, and the public site does not state a pricing formula or minimum contract.
How does a Roe investigation work?
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Roe ingests an alert and connected customer data, follows configured SOPs and policies, and investigates structured and unstructured evidence. It returns a disposition with cited evidence, reasoning and an audit trail for analyst or QA review.
How does Roe compare with Unit21?
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Roe emphasizes agentic investigation across warehouse data and unstructured evidence. Buyers comparing the products should assess workflow ownership, connector depth, model governance and pricing in a proof of concept.
What integrations does Roe support?
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Public materials specifically reference Snowflake, PostgreSQL, Salesforce, Retool, LexisNexis, Dow Jones, TransUnion and Hummingbird. They do not publish a definitive connector catalog.
Who is ROE AI for?
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Roe targets banks, card networks, BNPL companies, marketplaces, crypto-native compliance teams and other regulated organizations with substantial investigation volumes. It suits teams that can support enterprise integration, policy configuration and human review.
Is Roe secure and accurate enough for regulated investigations?
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Roe states that it supports SOC 2 Type II, HIPAA and GDPR controls, zero data retention, private VPC deployment, role-based access and immutable audit trails. Buyers should validate accuracy against their own analyst-graded cases and governance requirements.
Sources
Facts and pricing verified on October 19, 2026. Vendors change pricing often, so confirm with ROE AI before buying. How we research
