Built for BSA officers and compliance leads at banks like Gusto, Coastal Community Bank, and MVB Bank, Bretton replaces manual AML and KYC investigation work, not the analysts who make final calls. First Internet Bank cut review time 87% after adopting it, trading headcount growth for one platform that documents every step.
Bretton AI is an agentic platform, formerly Greenlite AI, that runs AML, KYC, and fraud investigations for OCC, Federal Reserve, and FDIC regulated banks. Its agents gather evidence, analyze transactions, and draft case narratives across more than 180 connected data sources, while a human reviewer signs off on every consequential decision.
Maker: Bretton AI · Autonomy: semi autonomous · Maturity: ENTERPRISE
About Bretton AI
Bretton AI, formerly known as Greenlite AI before its February 2026 rebrand, builds agentic software that runs the back-office investigations OCC, Federal Reserve, and FDIC regulated banks use for compliance, risk, and fraud work. Founded in 2023 in San Francisco by CEO Will Lawrence, the company has raised $95 million in total funding, including a $75 million Series B led by Sapphire Ventures with continued backing from Greylock, Thomson Reuters Ventures, Canvas Ventures, and Y Combinator. Unlike a chatbot bolted onto compliance software, Bretton's agents run the full investigation lifecycle themselves, from gathering transaction data to writing the case narrative a regulator will read. The platform centers on three tools that work together: a way to assemble ready-made investigation workflows in minutes, a natural-language builder for turning a bank's own policies into a working agent, and a shared case workspace where investigators sit alongside the agents. Bretton wires those agents into a bank's existing systems rather than asking the bank to migrate data, and it deliberately keeps humans responsible for the final call under a governance layer the company calls Trust Infrastructure: agents handle collection, research, and drafting, but a person still signs off on the consequential decision. Bretton is built for regulated banks and fintechs that need to scale AML, KYC, and fraud operations without growing headcount at the same rate: BSA officers, financial crime investigators, and compliance leads at institutions including Gusto, Coastal Community Bank, Mercury, Robinhood, and MVB Bank. First Internet Bank, a $6 billion digital-first bank, is among the customers Bretton points to for before-and-after review-time results, and several of its bank customers back the platform by name in on-the-record testimonials rather than anonymous case studies. Bretton does not list prices publicly: a bank's team talks to sales, and the account team scopes and quotes a custom deployment. The company sells two ways: a self-managed license where a bank's own compliance team configures and runs the agents itself, or a fully managed offering, launched in July 2026, where Bretton's own operations team runs the program end to end on the bank's data and policies. Bretton has moved quickly since its rebrand: it hired 25-year financial-crime veteran Rick Shooman to lead the new managed offering in July 2026, then signed MVB Bank to a multi-year deal in August 2026 to run its back-office compliance operations. The company says its agents have now worked on more than 1.2 million investigations in total, and it is positioning itself for proposed FinCEN and federal banking-regulator reforms that would require banks to show risk-based, technology-enabled compliance programs.
Pricing
Enterprise pricing only, set per bank after a sales call; there is no public rate card. Contract value has scaled with adoption: seed-era customers paid around $25,000, and by 2025 the average deal reached roughly $201,000.
Key Features
- Builder: Compliance teams write natural-language instructions in Builder to create custom agents on their own data and policies, no code required.
- Workbench: Investigators review every agent-completed case inside Workbench, the shared workspace where a human approves the consequential decision before it closes.
- Templates: More than 30 pre-built skill templates cover AML, KYC/KYB, sanctions, and enhanced due diligence work, deployable in minutes rather than months.
- Trust Infrastructure: Every agent action is logged with its reasoning, supporting evidence, and model version, producing an audit trail regulators can review directly.
- Native data connectors: Native connectors reach more than 180 data sources and core banking systems, and Bretton's Forward Deployed Engineering team builds a missing one in days.
- Managed Services: Since July 2026, Bretton's own operations team can run a bank's AML, KYC, and fraud program end to end as a managed service instead of self-serve software.
Strengths
- Cut routine due-diligence review time 87% for First Internet Bank, a result the bank credits directly to Bretton's agents rather than incremental process tweaks.
- Eliminated 195,000 hours of manual investigation work across its customer base, according to the company, a scale few three-year-old compliance vendors can point to.
- Runs the full investigation lifecycle itself, from data collection to a drafted case narrative, instead of just flagging alerts for a human to research from scratch, an approach named customers including a BSA officer at Gusto and the President of Coastal Community Bank credit directly in on-the-record quotes.
- Connects natively to core banking systems and existing AML/KYC tools, with Bretton's own engineering team building any missing connector in days rather than the months typical of legacy compliance software integrations.
Weaknesses
- No public pricing: a bank has to go through a sales conversation before it can even estimate cost, which rules out self-serve evaluation for a small credit union or early-stage fintech.
- Coverage depends on connector reach, and a bank running a less common core system may need custom integration work from the Forward Deployed Engineering team before go-live, adding lead time.
- The company rebranded from Greenlite AI to Bretton AI in February 2026, only three years after founding, which can complicate vendor due diligence for a compliance team that has to document a supplier's history for its own auditors.
- Agents are deliberately kept out of the final call: Bretton's own leadership says agents should rarely make the actual compliance decision, so teams still need a qualified human reviewer for every case, capping how much headcount can be reduced.
Frequently Asked Questions
How much does Bretton AI cost in 2026?
Bretton AI does not publish self-serve pricing; access is enterprise-only and quoted per bank after a sales conversation with its team. Average customer contract value has grown from about $25,000 at seed stage to roughly $201,000 by 2025 as banks expand usage, and pricing scales with the number of workflows and data sources connected.
Is Bretton AI SOC 2 compliant?
Yes. Bretton AI runs its agents on what it calls Trust Infrastructure, which includes independent model validation, continuous evaluations, SOC 2 Type II certification, GDPR compliance, and virtual private cloud deployment options for banks that require it. The platform keeps a full audit trail of each case, tying every output back to the evidence and policy version behind it, so an examiner can trace a decision after the fact.
What are the best alternatives to Bretton AI?
Hawk AI focuses specifically on transaction monitoring and payment screening rather than full-lifecycle investigations, so it fits banks that only need that narrower layer. Feedzai and Unit21 both offer broader fraud and AML platforms with a more established market presence, which suits banks that want a longer vendor track record over Bretton's newer, more autonomous agent approach. NICE Actimize and ComplyAdvantage remain the incumbent choice for banks that prioritize an established vendor over agentic automation.
How does Bretton AI compare to ComplyAdvantage in 2026?
ComplyAdvantage is a longer-established AML data and screening platform, while Bretton AI positions itself as an agentic system that runs full investigations rather than just flagging risk for a human to chase down. Bretton says its agents have supported more than 1.2 million financial-crime investigations to date, working end to end from data collection through case narrative drafting. Banks that want deep case-narrative automation and audit-ready output tend toward Bretton; banks that want mature, broad screening coverage with a longer market history tend toward ComplyAdvantage.
How do you get started with Bretton AI?
Bretton AI is not self-serve: a bank contacts the sales team through the website, and Bretton's Forward Deployed Engineering team scopes the data sources and workflows involved before implementation begins. From there a bank picks its model: configure and run agents itself with Builder and Workbench, or hand the entire program to Bretton's own staff under the managed offering.