A New Operating Model for FinCrime

A Founder’s Perspective on Human AI and the Future of Financial Crime Prevention

When I started Lucinity, I kept seeing the same pattern in financial crime operations. Analysts were spending their days on tasks that added effort but not clarity. They were gathering data, stitching together context, and writing long narratives that should have been prepared for them. The people were doing the work of a system that did not exist.

The problem was not the analysts.
The problem was the operating model.
Financial crime prevention had become too heavy.
The work had outgrown the tools.
And AI was the missing piece, not the threat.

I founded Lucinity to help institutions Make Money Good. That meant creating systems that make the work lighter, clearer, and more human. Systems that improve oversight instead of complicating it. Systems that prepare the work so people can focus on the decisions that matter.

Luci and the Beginning of Human AI

From the beginning, Luci was designed to be more than an assistant. Luci was built as Human AI. Clear. Explainable. Auditable. A source of reasoning that institutions could trust. Luci automated the noise so humans could focus on quality. It supported judgment without ever replacing it.

Luci showed us what was possible. It brought structure and explainability into investigations in a way the industry had not seen before. But as we deployed Luci across banks and payment companies, a deeper truth emerged. The challenge was not only creating intelligence. The challenge was creating the system that would use that intelligence at scale.

The industry needed more than a model.
It needed an operating system.

The FinCrime OS

We built what we began calling the FinCrime OS. It was the foundation that connected data, decisions, and oversight. It prepared the investigative work with consistent reasoning and brought clarity into every case. The FinCrime OS was not a traditional case management tool. It was the system that made Human AI possible inside complex institutions.

Luci became the intelligence.
The FinCrime OS became the structure.
Together, they formed the first Human AI architecture for financial crime.

But even with the OS in place, the operating model inside institutions was still holding teams back. Workload kept rising. Documentation kept deepening. Governance kept tightening. The pressure on FinCrime teams was no longer a workflow issue. It was structural.

This is where the next chapter began.

Human AI Powered FinCrime Operations

Human AI Operations were a natural continuation of our mission. Institutions keep full control of governance, thresholds, escalations, and SAR decisions. Lucinity takes on the investigative workload under SLA. The OS prepares the structure. Luci powers the intelligence. Our investigators finalize the work to the institution’s standards.

We run the operations.
They stay in control.

Human AI Operations give institutions more capacity, clearer investigations, and stronger oversight without disrupting existing systems. They shift the work away from people without shifting responsibility. They bring transparency into every conclusion. They free teams to focus on real risk.

This is The Human AI Company in practice.

Our Leadership and Values

Lucinity has always been built by people who care about the work and the mission behind it. Tess and Jóhann became co-founders through their integrity and the depth of their contributions. Daniel joined later and brought a sense of clarity and Quiet Strength from the first day. His leadership has shaped our culture and our operating discipline.

As we enter this next chapter, Daniel steps into the role of Chief Executive Officer. His experience as MLRO at Kvika Bank and his work inside Lucinity give him the ideal perspective to guide Human AI Operations forward. I now move into the role of Executive Chairman to support long-term strategy, Human AI development, and the evolution of the FinCrime OS.

I also want to acknowledge Kristian, who joins as a board member and investor. Kristian has been a strategic catalyst in shaping this moment. His challenge, clarity, and Nordic regulatory intuition helped us see the opportunity for Human AI Operations earlier and understand how to deliver it responsibly.

Our values remain the foundation of how we build.

• Simply Human keeps us focused on people.
• Shared Intelligence shapes how humans and AI learn together.
• Quiet Strength guides how we deliver results, without noise or drama.

These values have carried us through each stage of our evolution. They will continue to guide us as we scale.

Why This Matters

Financial crime prevention is a societal responsibility. It protects trust in the financial system and in the people who rely on it. The teams who do this work deserve systems that match the weight of that responsibility. Systems that reduce the burden, increase clarity, and make oversight stronger.

Human AI Operations, the FinCrime OS, and Luci are all parts of a single vision. A vision where AI prepares the work. Humans make the decisions. And institutions gain the clarity and confidence they need to focus on risk, not repetitive tasks.

This is what it means to Make Money Good.
This is what we came here to do.
And this is the next chapter of Lucinity.

GK
Founder and Executive Chairman