EU Risk Orchestration — Vienna, Austria

Autonomous risk orchestration for EU financial institutions.

Connect fragmented compliance data, screen against EU sanctions and AML directives, and deliver explainable risk decisions that regulators trust and compliance teams rely on.

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✓DORA-ready ✓AML 6th Directive ✓On-premise ready ✓GDPR by design
Aligned with EU regulatory frameworks
DORA AML 6th Directive GDPR PSD2 FATF Recommendations
Why Mera Risk

Built different. Built for Europe.

5
Screening layers
Transactions pass through AML, sanctions, PEP, DORA, and fraud checks before a decision is made.
100%
Explainable
Designed so every decision includes a full audit trail with human-readable justification. No black boxes.
EU
Data sovereignty
Designed for on-premise deployment inside your perimeter. Your data stays in your infrastructure.
1
Unified platform
AML, KYC, fraud, sanctions, DORA, and reporting — all in one engine. One platform, not a patchwork of tools.
Solutions

Risk intelligence across every dimension.

From transaction monitoring to third-party risk, Mera covers the full compliance surface for EU financial institutions.

🔎
Anti-Money Laundering
Automated transaction monitoring, pattern detection, and suspicious activity reporting aligned with EU AML directives and FATF recommendations.
Try live scoring →
👤
Know Your Customer
Streamlined onboarding verification, continuous monitoring, and risk-based due diligence across every client relationship lifecycle.
See the platform →
🛡
Sanctions Screening
Real-time screening against EU consolidated sanctions, UN lists, and OFAC with automatic blocking and documented justification for every match.
View compliance →
⚠
Fraud Detection
Behavioral analysis, anomaly detection, and entity network analysis to identify fraudulent patterns across transactions and relationships.
See the platform →
📜
DORA Compliance
ICT risk management, incident reporting readiness, third-party oversight, and resilience testing aligned with the Digital Operational Resilience Act.
View compliance →
📊
Risk Reporting & Analytics
Automated compliance reporting with full audit trails, regulator-ready exports, risk dashboards, and board-level risk intelligence summaries.
Request access →
Platform

One engine. Every risk dimension. Audit-ready.

A multi-layer orchestration engine that ingests, screens, scores, routes, and logs — with complete explainability at every step.

1

Secure data ingestion

Banking systems connect via encrypted API. Mera validates, timestamps, enriches, and normalizes every data point before processing.

2

Entity resolution & screening

Sender and receiver resolved against sanctions lists, PEP databases, FATF high-risk jurisdictions, and entity patterns with fuzzy matching.

3

Multi-framework compliance

Every transaction verified against DORA articles, AML directives, and internal policy rules simultaneously. No sequential bottlenecks.

4

Risk scoring & intelligent routing

0–100 risk score. Decision engine routes to Block, Flag, Monitor, or Pass with full justification and confidence metrics.

5

Immutable audit & reporting

Complete decision log written to sovereign storage. Every flag, rule trigger, and timestamp permanently recorded and export-ready for any regulator.

Platform capabilities
Data & ingestion
REST APIBatch uploadWebhook eventsData normalizationSchema validation
Screening & detection
EU sanctions listUN sanctionsPEP screeningFATF jurisdictionsFuzzy matchingEntity resolutionNetwork analysisAnomaly detection
Compliance
DORA checksAML6 rulesKYC verificationPSD2 alignmentPolicy engineRule versioning
Decisioning & output
Risk scoringDecision routingAudit trailPDF reportsDashboard APIAlert channelsRegulator exports
Industries

Purpose-built for regulated institutions.

Mera Risk serves financial institutions across the EU that face complex, overlapping regulatory obligations.

🏦
Banking
Commercial and retail banks navigating DORA, AML6, and ECB supervisory expectations.
  • Transaction monitoring at scale
  • Cross-border payment screening
  • Correspondent banking risk
  • Regulatory reporting automation
💰
Payment Institutions
Licensed PSPs and EMIs under PSD2 and AML obligations across multiple EU jurisdictions.
  • Real-time payment screening
  • Merchant risk assessment
  • Multi-jurisdiction compliance
  • SCA and fraud prevention
📈
Investment Firms
MiFID II-regulated entities managing client risk, market abuse surveillance, and AML obligations.
  • Client onboarding and KYC
  • Ongoing due diligence
  • Suspicious transaction reporting
  • Counterparty risk monitoring
Live demo

See the engine in action.

Send a transaction to the live Mera engine and watch the risk scoring work in real-time.

Score a transaction

Configure parameters and submit to the live engine.

Engine response

Result appears after scoring.

⚖
Waiting for transaction…
Risk score
Flags triggered
    Latency
    Engine
    Mera v1.0
    Audit
    Logged
    Deploy
    EU on-prem
    Compliance

    Built for the regulatory reality of 2026.

    ✓

    DORA (Digital Operational Resilience Act)

    ICT risk management, incident reporting, third-party oversight, resilience testing. In force since January 2025.

    ✓

    AML 6th Directive

    Transaction monitoring, sanctions screening, PEP checks, and suspicious activity reporting — automated with human-in-the-loop oversight.

    ✓

    GDPR & data sovereignty

    On-premise deployment option enables full data control within your perimeter. Architected for DPA compliance from the ground up.

    ✓

    Regulator-ready audit trail

    Comprehensive decision logs with full traceability. Designed to be export-ready for supervisory examination.

    ✓

    EU consolidated sanctions list

    Screening against the EU sanctions registry with configurable blocking rules and documented justification.

    What Mera covers

    Transaction monitoring
    Real-timeBatchCross-border
    Screening
    EU sanctionsPEPFATF lists
    Compliance checks
    DORAAML6KYC/CDD
    Output
    Audit trailPDF reportsAlerts
    Deployment
    On-premiseEU sovereignGDPR
    Market

    The timing has never been better.

    €9.4B
    European RegTech market by 2029 at 15.3% CAGR
    ResearchAndMarkets, 2024
    68%
    Of EU financial entities not fully DORA compliant
    KPMG Gap Analysis, 2024
    2%
    Maximum DORA penalty — percentage of global annual turnover for non-compliant institutions
    DORA Regulation (EU) 2022/2554

    Ready to see it in action?

    We're onboarding a select number of EU financial institutions for our 2026 pilot programme.

    Institutional emails only. Every submission reviewed personally.

    Impressum

    Mera Risk
    Autonomous Risk Orchestration

    Information per §5 ECG, §25 MedienG:

    Arlan Rakhmatulla
    Vorgartenstrasse 204
    1020 Vienna, Austria

    Contact: contact@merarisk.com

    Purpose: Development and provision of risk management software for financial institutions.

    Mera Risk is not a regulated financial institution and does not provide financial services or investment advice.

    Privacy policy

    Last updated: March 2026

    1. Controller: Arlan Rakhmatulla, Mera Risk, Vienna, Austria.

    2. Data collected: Email + timestamp via waitlist.

    3. Legal basis: Consent (Art. 6(1)(a) GDPR).

    4. Storage: EU-based servers, encrypted. We do not sell or share your data with third parties.

    5. Rights: Access, erasure, rectification. Austrian DPA complaints accepted. Response within 30 days.

    6. Cookies: None. No tracking. No analytics.

    Contact: contact@merarisk.com

    Get in touch

    For partnership enquiries, pilot discussions, or press:

    contact@merarisk.com

    Arlan Rakhmatulla
    Mera Risk
    Vorgartenstrasse 204
    1020 Vienna, Austria