How Flagright’s Enterprise-Grade Availability Enables Real-Time Compliance at Zero

A Modular Stack With Clear Boundaries

Zero’s architecture is modular by design. It enables them to deliver a range of products and services to their customers independently of one another and offers flexibility, allowing them to adapt their services without causing disruption to other parts of the system. A perfect example of this is their integrations with Integrated Finance and Flagright.

Integrated Finance enables Zero to issue accounts, process incoming and outgoing transfers, and supports the transfer of funds following card payments. Flagright, in turn, provides a stable compliance layer, equipping Zero to meet its compliance obligations with precision by offering compliance-related processes including screening, transaction monitoring, and risk scoring. Every transaction is risk-scored in real time, while internal policies—covering sanctions, fraud, and broader regulatory requirements—are enforced programmatically through Flagright’s rule engine. The division of responsibility is deliberate. Financial operations flow through IF. Compliance and risk logic live within Flagright. But the coordination between the two is tightly managed by Zero’s own system, ensuring each part performs consistently and with minimal latency.

When an incoming transfer is initiated, Integrated Finance notifies Zero of the pending transaction. Zero then performs a set of internal checks, including a real-time compliance review through Flagright. Once the evaluation is complete, Zero returns a decision to IF on whether the transaction should proceed.

For outgoing transfers, the flow begins within Zero’s platform. Before notifying IF, Zero sends the transaction to Flagright, where all monitoring, screening checks, and risk scoring are handled. Depending on Flagright’s decision, Zero then forwards the transfer to IF for execution.

A Step-by-Step Integration Process

From the outset, Zero approached both integrations with structure and intention. The integration with Integrated Finance was planned in phases—starting with client and account creation, followed by incoming and outgoing transfers, management of funds for card transactions, and open banking support. At each stage, the team worked closely with IF’s implementation contact to align on workflows, set up system configurations and complete test cases once implementation was complete.

Flagright’s onboarding followed a similar rhythm: Zero reviewed the available APIs, set up the sandbox, tested key flows, and configured compliance rules to fit internal policies. While the integration itself was technically straightforward, special attention was paid to the rule setup and risk scoring to ensure the compliance layer was aligned with Zero’s risk appetite and operational model.

The setup with Integrated Finance took around four to five months end-to-end given the broader scope of functionality and coordination with multiple third parties. Flagright’s integration was completed within a few weeks, with most of the effort focused on configuring compliance rules and aligning risk logic. This phased and parallel approach gave the team time to test each layer independently before integrating the flows into a cohesive system.

A Foundation That Just Works

Zero’s platform operates with real-time compliance and financial operations fully integrated. New customers are onboarded into both systems, and transactions are evaluated through automated screening and monitoring before being processed. The coordination between systems allows Zero to enforce policy decisions without disrupting the user experience.

Zero’s compliance operations are led by MLRO & CRO Wendy Davies, who has seen firsthand the value of maintaining independently integrated systems. By managing each integration separately, the team retains full control over how every part of the stack behaves. Updates to compliance rules, financial workflows, or infrastructure logic can be rolled out without waiting on upstream changes. In parallel, Flagright’s built-in case management has helped streamline investigations—enabling the team to review alerts efficiently, document decisions with clear audit trails, and automate parts of the resolution process using AI-powered features.

Zero now runs a compliance framework that’s not only embedded into its operations—but designed for scale. From onboarding to real-time transaction decisioning, screening, monitoring, and alert resolution, Flagright enables Zero’s team to maintain a clear, automated compliance process at every stage.