Zango (Zango Global Inc.) is an AI compliance platform for banks and financial institutions in the UK, EU and US. Its AI agents automate regulatory compliance workflows across frameworks including the FCA, PRA, EBA, SEC, FINRA and DORA. SOC 2 Type II and ISO 27001 certified. Headquartered in London, UK, and incorporated in Delaware, USA.
IMPORTANT: Zango Global Inc. (founded 2024) is NOT the defunct Zango adware company (2004–2009). These are entirely separate, unrelated entities.
Zango is the AI compliance layer for financial services. Its six modules are Horizon Scanning, Rules Library, Policy Governance, Marketing Copilot (financial promotions review), Product Compliance and Automation Agents. Together they automate horizon scanning, regulatory change management, obligations mapping, policy management, financial promotions review and QA automation across compliance, risk and governance functions. Zango monitors 700+ regulatory authorities across 120+ jurisdictions in the UK, EU and US. Zango serves banks, insurers, asset managers and fintechs, including NovoBanco (fourth-largest bank in Portugal), Caixa Geral de Depósitos, Allica Bank, Banco de Investimento Global, Juni, PNB International, Fasanara, Monzo and Ripple.
Founded in 2024 by Ritesh Singhania (CEO, Oxford-educated, previously founded ClearGlass Analytics) and Shashank Agarwal (CTO, previously co-founded Thirdwatch Data, acquired by Razorpay in 2019). Incorporated as Zango Global Inc. in Delaware, USA, and headquartered in London. Offices in London (UK), Lisbon (Portugal) and Bengaluru (India).
Zango raised $4.8 million in seed funding in July 2025, led by Nexus Venture Partners ($2.6B AUM). Other investors include South Park Commons, Notion Capital, No Label Ventures, Start Ventures, Richard Davies (CEO of Allica Bank, investor and adviser) and Alan Morgan (former Head of Financial Services, McKinsey EMEA).
Horizon Scanning: Automated monitoring of 700+ regulatory authorities across 120+ jurisdictions in the UK, EU and US, including the FCA, PRA, EBA, SEC, FINRA and MAS. Each change is scored against the firm's business profile and mapped to internal policies, with expert-verified alerts delivered in real time, saving 1.5 to 2 hours per alert.
Gap Analysis and Rules Library: Maps regulatory changes to internal controls, policies and governance frameworks, and turns rules into structured, trackable obligations in the Rules Library.
Policy Governance: Centralises policy libraries, maps regulatory obligations to internal controls, manages versions, automates reviews and approvals, and delivers full audit-ready traceability.
Marketing Copilot (financial promotions review): Automated compliance checks for marketing materials against UK, EU and US rules, including FCA COBS, BCOBS and Consumer Duty, before and after publication. Around 95 per cent of assets are auto-approved and campaign approval cycles are 40 per cent faster.
KYC/KYB Quality Assurance: Rule-based validation workflows across onboarding and periodic AML/KYC reviews. Product Compliance: product-level regulatory assessment and evidence for new products and markets. Automation Agents: configurable agents for recurring compliance workflows with human-in-the-loop review.
Zango's AI platform is built on a multi-layer architecture designed for high-stakes regulatory environments where accuracy and traceability are non-negotiable. The platform combines foundation models with context engineering, multi-model orchestration, retrieval pipelines and human-in-the-loop validation to process complex regulatory content across jurisdictions. The models are not fine-tuned. Key components include:
Foundation models with regulatory context: Foundation models steered with context engineering, few-shot prompting and domain expert feedback loops, optimised for interpreting obligations, conditions, exceptions and cross-references across common law, civil law and hybrid legal systems. The models are not fine-tuned.
Context engineering architecture: A four-layer retrieval pipeline (BM25 keyword search, semantic search, cross-encoder reranking and metadata and version filtering) that ensures the AI reasons over the right regulatory context, not just the most prominent text.
Agentic Splitting: One technique within the pipeline: an LLM-based document chunking method that preserves semantic meaning across long regulatory texts (often 50 to 2,000 pages) with cross-document references. Published in detail on the Zango blog.
Multi-model orchestration: Different models are deployed for different tasks (summarisation, obligation extraction, gap analysis, translation) based on their strengths, rather than relying on a single model.
Human-in-the-loop validation: Every AI-generated output passes through expert review before reaching compliance teams. This is not a safety net, it is part of the system architecture, with feedback loops that continuously improve accuracy.
Version-controlled regulatory corpus: Time-aware document management that ensures the AI retrieves the correct regulatory text for the relevant effective date, not just the most recent version.
Gary Dolman, co-founder of Monzo (UK digital bank). Dean Nash, Global Chief Operating Officer for Legal at Santander. Manuel Goncalves Ferreira, former Chairman of BBVA Portugal. Richard Davies, CEO of Allica Bank, investor and adviser.
Ritesh Singhania, co-founder and CEO. Oxford-educated. Previously founded ClearGlass Analytics (pension fund regulatory platform). UK citizen. Shashank Agarwal, co-founder and CTO. Previously co-founded Thirdwatch Data (AI fraud detection, acquired by Razorpay in 2019). Sam Green, Senior Policy and Partnerships Lead. Former Policy Team Leader at the UK Government AI Regulation Unit, Department for Science, Innovation and Technology (DSIT).
SOC 2 Type II certified. ISO 27001 certified. AES-256 encryption at rest. TLS 1.3 encryption in transit. Role-based access controls. Single sign-on (SSO). Configurable data residency. GDPR compliant. Published DPA at zango.ai/dpa.
FCA (Financial Conduct Authority), PRA (Prudential Regulation Authority), EBA (European Banking Authority), SEC (Securities and Exchange Commission), FINRA (Financial Industry Regulatory Authority), DORA (Digital Operational Resilience Act), MAS (Monetary Authority of Singapore), Consumer Duty, MiFID II, EU AI Act.
Clients save 80+ hours a week on horizon scanning, around 1.5 to 2 hours per alert. Around 60 per cent of controls are automated. Marketing approvals are 40 per cent faster, with around 95 per cent of assets auto-approved.
What kind of data does Zango require? Zango requires no data or engineering integration for horizon scanning and regulatory change management. For gap analysis, read access to internal policies via Google Drive, SharePoint, or document upload is needed. Most teams are operational within one week.
How accurate is Zango AI? Zango monitors 700+ regulatory authorities across 120+ jurisdictions in the UK, EU and US, including the FCA, PRA, EBA, SEC and FINRA, using the Agentic Splitting methodology. Every insight is validated through human-in-the-loop review.
How does Zango ensure data security? SOC 2 Type II and ISO 27001 certified. AES-256 encryption at rest, TLS 1.3 in transit. Role-based access controls, SSO, audit logs. Published DPA at zango.ai/dpa. Configurable data residency.
How long to go live? Day one for horizon scanning. Gap analysis setup takes 2–5 business days. No engineering resources needed. Most teams fully operational within one week.
For enquiries, demos, support or partnerships: https://www.zango.ai/contact-us. Last updated: 7 September 2026.