Third-Party Risk Management
Vendor intake, a vendor portal, AI-graded evidence with citations, risk assessments, issues and follow ups, reporting, and continuous monitoring.
ExploreFor banks, credit unions, and fintechs
The AI-native risk & compliance operating system
Never manually review SOC reports again.
One platform for the entire risk lifecycle.
Fintech Partner Due Diligence
AI-run document review and controls assessment, a partner inventory, fintech-specific reviews, a bidirectional partner portal, document health, and continuous monitoring across every program.
ExploreMarketing Compliance
Submissions, reviews, approvals, and reporting across ads, emails, pages, PDFs, and video, with disclosures and branding from your library.
ExplorePolicy Management & ERM
Policy editions and approvals, a controls library, issues, enterprise risk assessments across operational, technology, and business continuity risk, and automatic regulatory-change checks, with full version history.
ExploreContract Management
Key-date and renewal tracking, SLA and fee oversight, obligation management, and automatic checks against your clause library and requirements.
ExploreLoved by risk teams. Hours back, every week.
For sponsor banks
“Kobalt Labs speeds up our time to yes — unlocking revenue for the bank and our partners. Recently, one partner went from review to live in 5 days, and by day 6 they onboarded their first end user!”
Suzanne Mendlik
Chief Risk Officer, Core Bank
For community banks
“The value we're getting from vendor management alone justifies the platform. The precision and scale that Kobalt offers us used to take significant time from our team, and now it happens in minutes.”
DJ Seeterlin
Chief Innovation and Strategy Officer, Chesapeake Bank
For fintechs
“We launched in record time and within hours had already found Kobalt to be a very good ROI. I saved myself and our team 50+ hours of reviewing compliance documents and identifying areas we need to shore up any gaps in the first day.”
Marshall Greenwald
President and CEO at Ionia
For credit unions
“We've shaved weeks off the effort required to vet every vendor and automated much of the process. Kobalt Labs has given us back hundreds of hours to reinvest and reduce risk across cybersecurity.”
Kent Lugrand
CEO, InTouch Credit Union
Designed to be shown to a regulator.
Core Bank runs its third-party risk program on Kobalt. At the bank's most recent examination, the examiner's assessment spoke for itself.
“We have seen bigger BaaS programs that have been doing this for years, and Core Bank is more mature. Core’s TPRM program is impressive.”
SOC 2 certified
Independently audited controls.
SSO and SCIM
Okta, Entra, Google Workspace, SAML.
Role-based access
Per-product roles, restricted vendors.
Tenant isolation
Every record scoped to your institution.
Append-only history
Reviews, issues, files, and status changes.
No training on your data
No sharing between customers.