MVB Bank is turning to AI-native managed services to increase its compliance capacity as its FinTech business expands, selecting Bretton AI to handle AML transaction monitoring and KYC cases under a multi-year agreement.
The partnership will see a dedicated US-based Bretton AI team use the company’s platform to review AML alerts and complete enhanced due diligence work according to MVB’s existing policies and risk framework. The arrangement is intended to allow the bank to increase operational capacity without growing its back-office headcount at the same rate.
MVB Bank is a subsidiary of MVB Financial and has spent two decades building a national business serving FinTech, payments and other high-growth sectors alongside its community banking operations. As activity across those partnerships increases, the bank expects the volume of monitoring and due diligence required to grow alongside it.
Rather than relying on a corresponding increase in staff, MVB has selected Bretton AI to provide additional operational capacity. The company’s Managed Services offering combines its AI platform with a dedicated US-based team, with pricing tied to completed work rather than analyst hours.
The model retains human oversight of AI-assisted compliance work. Bretton AI analysts will use the platform to review alerts and complete cases, with a trained analyst reviewing every AI-assisted output before it reaches MVB.
According to the companies, this human-in-the-loop approach is intended to provide higher-quality and more consistent reviews while allowing the bank to scale its compliance operations without taking on additional headcount-driven costs.
MVB Bank chief compliance officer Julie O’Connor said, “MVB built a national Fintech business on top of a traditional bank, and that growth brings increasingly complex compliance demands. Bretton AI gives us a way to scale monitoring and due-diligence capacity while keeping MVB in control of the program, its decisions and its filings. That allows our team to focus on the highest-risk work, support responsible growth, and advance our broader AI strategy.”
The agreement comes following the launch of Bretton AI Managed Services, which the company positions as an AI-native alternative to traditional compliance outsourcing models based around headcount. The service combines the Bretton AI platform with a dedicated US-based operations team responsible for delivering the work.
The partnership also arrives as FinCEN and federal regulators consider proposed changes to AML and CFT programme requirements. According to Bretton AI, the proposed changes place greater emphasis on risk-based effectiveness and the responsible use of modern technology.
For MVB, the arrangement is intended to allow its compliance operation to concentrate more heavily on risk-based work while Bretton AI’s team handles the manual operational processes involved in monitoring and due diligence.
Bretton AI managing director and head of services Rick Shooman also commented, “MVB is showing what it looks like to scale a sophisticated Fintech business without recreating the same labor-heavy operating model around it. Bretton brings the platform and the operating team together in one accountable service. We perform the work under MVB’s policies and standards, while MVB remains in control of its risk program.”
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