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Sponsor bank oversight

Know your fintech partners inside and out.

Kobalt reads every document a partner submits and grades each control and requirement against it up front — every finding cited — then handles evidence, follow-ups, and continuous monitoring in one workspace built for sponsor-bank due diligence.

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What you get

Fintech Partner Due Diligence, in detail.

  • AI reads the documents and grades the controls

    Kobalt does the full document review up front: it reads the policies, audits, SOC reports, and certificates a partner provides, then grades every control and requirement against the evidence — each result cited to its source — so your team reviews findings instead of reading files.

  • Partner inventory by stage

    Prospects and live programs in one list, with each partner's programs, owners, residual risk, and the next review due.

  • Fintech-specific review types

    Initial and periodic reviews tuned for program oversight rather than generic vendor diligence, running on the same staged, cited review engine.

  • Document health per partner

    See which policies, audits, and certificates are current, expiring, or missing for each program, and request what is missing in one click.

  • Partner collateral review

    Partners upload marketing collateral through the portal. It lands in your marketing library, is checked against regulations and your standards, and your team decides what ships.

  • Issues and follow ups across programs

    Findings from reviews, collateral checks, and negative news roll up to one issue list with owners and due dates.

  • One record for the exam

    Review stages, decisions, exceptions, and partner communications are kept in order, so demonstrating oversight is a report, not a scramble.

Workflow

How a review runs.

  1. 01

    Onboard

    Add a fintech as a prospect, assign owners, and run the initial review before launch.

  2. 02

    Collect

    Partners answer packets, upload policies and audits, and submit collateral through the portal.

  3. 03

    Review

    AI grades evidence and collateral with citations. Your team accepts, overrides, or sends it back.

  4. 04

    Monitor

    Periodic reviews, document expiry, negative news, and issue tracking keep the program current.

Outputs

What leaves the system.

Everything exports in a form your auditors, board, and vendors already use.

  • Partner review reports in your template
  • Per-partner document health
  • Collateral findings with citations
  • Cross-program issue list
  • Partner communication history

Questions

Common questions.

Do partners see the bank's internal findings?

No. Partners see their requests, uploads, and follow ups in the portal. Analysis results stay with the bank.

Can we use our existing partner diligence checklist?

Yes. Evidence packets and review checklists are built from your questions and standards.

See Fintech Partner Due Diligence on your own work.

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