Since late 2025, Sberbank has been using a multi-agent AI system powered by GigaChat to detect suspicious transactions and streamline compliance investigations. This AI agent analyzes operations in real time, improving detection accuracy and aiding decision-making – while offering clients a chance to resolve issues before immediate account blocks are enforced. The bank unveiled this development on April 23 at the international forum ”Smart Balance and Trustful Dialogue” in Saint Petersburg.
- Sber’s AI compliance agent has been operational since late 2025, based on the GigaChat neural network.
- The forum attracted delegates from over 40 countries, spanning Eurasia, the Middle East, Africa, and Latin America.
- The system continuously monitors transactions, supporting compliance staff in making informed decisions.
At the forum, Sber also shared insights on building a centralized compliance system and discussed how their IT infrastructure fosters open communication with clients.
Igor Kondrashov, Senior Vice President and Head of Legal Affairs, Compliance, and Government Relations at Sberbank, remarked:
”Trustworthy and respectful dialogue with clients is the foundation for developing genuinely needed, high-quality, and breakthrough solutions. It’s essential to listen carefully, understand needs, and anticipate expectations. Only then can we talk about mutual growth and success. Our compliance AI agent plays a key role-it’s on the client’s side, respecting their time and peace of mind. The benefits of international cooperation and dialogue between regulators and businesses are undeniable for creating a favorable innovation environment. At this conference, we once again confirmed that artificial intelligence is becoming more than just a tool-it’s a true partner in building honest and transparent relationships among banks, clients, and society.”
Sberbank’s AI compliance agent is entering a competitive field where global banks increasingly rely on machine learning to monitor transactions and detect fraud or regulatory breaches. While technology companies like Apple, Google, and Samsung focus on privacy controls and user data protection, financial institutions such as Sber prioritize real-time transaction analysis to prevent financial crime and maintain trust.
Sber’s approach allows clients to rectify issues before account blocks are enforced, reflecting a more client-friendly stance than the immediate shutoffs seen in many Western banks.
With regulatory scrutiny and financial crime evolving rapidly worldwide, AI agents like Sber’s will be pivotal in shaping the future of compliance. Their success could influence how banks balance strict enforcement with customer experience, especially as AI tools grow smarter and become more integrated into financial operations.