Curvestone AI CEO urges lenders to reject black-box compliance tools

Curvestone AI CEO Dawid Kotur is pushing lenders to move beyond manual spot-checking and toward automated compliance reviews across every case. The company’s platform reads scans, photos, emails, call transcripts, fact-finds, bank statements and IDs, then checks them against a lender’s own compliance criteria.

Kotur said financial services firms have traditionally treated compliance as a capacity problem, with file reviews often limited to a sample, typically around 10%. Under the FCA’s Consumer Duty, he argued, firms can no longer rely on clean processes while leaving the remaining 90% of files unchecked, as regulators expect evidence of consistent customer outcomes across the business.

Curvestone’s model routes exceptions to human specialists and generates structured audit trails designed for regulatory review. Kotur warned that black-box systems are risky in regulated environments because lenders must be able to explain automated decisions, show source evidence and retain accountable human judgment.

For the rest of 2026, Curvestone plans to expand lender-side pre-underwriting checks, continue its One Mortgage System integration and broaden into protection compliance, financial-crime checks, vulnerability assessments, offer checks and social media monitoring. The company is also completing ISO 42001 alongside its existing ISO 27001.