The AI-native GRC
for financial services

Umbra keeps you provably compliant.
Execute second-line work in one living system.
So you can move at the pace of the business.

Book an intro Learn more

Framework agnostic
Second-line of defence
Embedded in

EU focus
MiFID II
MiCA
MAR
PSD2
DORA
GDPR
And more

Netherlands
Germany
France
Belgium
Czech Republic
Poland
Spain
And more

Track applicable regulatory change from 400+ sources: EU legislation, ESMA/EBA guidance, and national rules and guidance. See what is impacted internally, and close the gaps.
Map regulatory obligations at article-level, conduct grounded legal analysis, run gap analyses, and draft changes or audit-ready policies in minutes.
Run a dynamic control monitoring plan that pulls evidence from existing systems and continuously tests key controls.
AI-driven risk identification, inherent and residual risk scoring, control and process mapping, and risk status monitoring as requirements change.

Umbra connects your policies, controls, and risks into one living codebase. Continuously reviewed, executed, and tested by compliance-specific agents.

Embedded in

SharePoint

OneDrive

Notion

Google Drive

Google Docs

And more Custom integrations

Built on integrity and transparency

Every output is grounded in curated datasets, every action leaves an audit trail, and every decision stays overridable.

GDPR & DORA compliant

Built with strict GDPR-aligned governance, access controls, and audit-ready security boundaries. Designed for regulated enterprise environments.

European sovereign cloud

All client data is stored and processed on European sovereign cloud infrastructure, with AI inference hosted on secure Dutch servers.

Data integrity

Client data is never used for AI training. Only processed to deliver the service. Regulatory datasets trace to verified government sources.

Agents detect.
You decide.

Regulation change

Process change

Business activity

Policies

Risks

Controls

Reviewing

Monitoring

Reporting

Interconnected codebase

Compliance review

Officer verification Approved

Changes

Regulation change

Process
change

Business
activity

Agents detect.
You decide.

Interconnected codebase

Compliance review

Officer verification Approved

SOLUTIONS

Umbra streamlines everything from risk assessments to drafting and review.

Review financial products

Launch regulated financial products without getting stuck waiting for compliance approvals.

Map legislation

Filter relevant regulations to find the business requirements that apply to your legal profile.

Policy and control analysis

Run gap analyses using your internal documentation and address blind spots with actionable suggestions.

			Documentation
MiFID II	Article 1Art. 1	Applicable	[13] Structural Risk AssessmentRisk Assessment	No gap
MiFID II	Article 2Art. 2	Applicable	[19] Outsourcing	Gap
MiFID II	Article 3Art. 3	Not Applicable
MiFID II	Article 4Art. 4	Not Applicable
MiFID II	Article 5Art. 5	Applicable	[37] Financial ReportingFin. Reporting	Gap
MiFID II	Article 6Art. 6	Applicable	[49] IT Infrastructure	No gap
MiFID II	Article 7Art. 7	Applicable	[3] Access ManagementAccess Mgmt	No gap
MiFID II	Article 8Art. 8	Not Applicable

IT Access Management

Access to systems is granted according to the principle of least privilege, in line with DORA Article 9 requirements for ICT risk management. Access requests must be approved by the user’s manager and the system owner. Periodic access reviews are conducted quarterly as part of the controls mandated under DORA Article 9(2)(d).

Product Governance and Launch Controls

Before launching any new financial product, the product governance team must identify document the target market and intended distribution strategy, and assess the product’s risks. All product information must be reviewed and approved by compliance. All product approvals must include a sign-off from compliance and a periodic review schedule to ensure ongoing suitability, in line with MiFID II Article 16.

Require review 3

Approved 14

Cutting enforcement riskfor regulated industries

From scaling fintechs to large financial institutions

Capital markets

Trusted by compliance, risk and legal teams

Saved per user per year reviewing and drafting

90+

Adoption in under two months

ROI

In the first year

Report they execute tasks faster than with existing tools

Increase in sample sizes for control monitoring

Paula Steiner on advisory board

Team 1 min

Umbra Ai is live

Product 1 min

The AI-native GRC
for financial services

Solving the problems that enable the business

Horizon scanning

Obligation mapping

Evidence collection

Risk assessment