dLocal, Uruguay’s first unicorn, has established itself as a pioneer in cross-border funds since its founding in 2016. As we speak, the corporate operates in over 40 rising international locations, connecting greater than two billion customers with world expertise leaders.
Working at this scale requires strict and constant compliance processes. Every month, hundreds of service provider ecommerce web sites are reviewed to confirm alignment with dLocal’s insurance policies. These retailers have already onboarded dLocal as a fee service supplier or are within the technique of onboarding. The compliance course of contains verifying that retailers should not promoting prohibited or non-compliant items or providers, and confirming that domains are legitimate and websites stay accessible. Nevertheless, the compliance problem extends past preliminary onboarding. Service provider web sites can change their choices or practices at any time, requiring ongoing monitoring to detect coverage violations.
In 2023, dLocal developed a proprietary generative AI resolution to assist streamline the web site evaluate course of. Nevertheless, as the corporate expanded throughout extra international locations and onboarded hundreds of latest retailers month-to-month, the rising complexity challenged the continued evolution of the answer. A good portion of circumstances nonetheless required handbook evaluate to validate compliance choices, making a bottleneck that restricted scalability as transaction volumes and service provider development accelerated. The handbook evaluate of service provider web sites included analyzing their full product catalogs to establish gadgets violating the corporate’s prohibited product insurance policies. These coated a variety of unlawful or unethical classes with over 15 main classes and greater than 100 subcategories. This made the evaluate course of extremely cumbersome.
To deal with this, dLocal sought to automate the evaluate course of to cut back handbook effort, reduce human error, and facilitate compliance alignment. Moreover, as a result of onboarded web sites have to be periodically reevaluated to substantiate continued adherence to insurance policies, automation would additionally assist streamline these recurring compliance checks for present retailers.
dLocal determined to accomplice with AWS to implement Amazon Fast Automate, a functionality of Amazon Fast Suite, as one of many service’s earliest adopters. Fast Automate helps enterprises construct, deploy and keep resilient automations at scale.
Utilizing Fast Automate, dLocal automated its service provider compliance web site evaluate course of, enabling large-scale, environment friendly, and constant coverage enforcement. With a complicated multi-agent automation structure engineered for enterprise-scale deployment, Fast Automate combines UI automation, API integrations, and automation orchestration in a single, absolutely managed resolution. Fast Automate makes use of generative AI to research inputs from the consumer and suggests an automation that may be modified and prolonged to take motion throughout enterprise techniques and UIs, participating a human when wanted. By specialised AI brokers, Fast Automate helps organizations automate complicated processes throughout functions and departments whereas decreasing operational prices by way of usage-based pricing.
On this submit, we share how dLocal labored intently with the AWS workforce to assist form the product roadmap, reinforce its position as an business innovator, and set new benchmarks for operational excellence within the world fintech panorama.
Answer overview
dLocal required a course of automation resolution able to navigating a number of product pages in web sites and reviewing every product in opposition to their coverage to find out if the web site is compliance-aligned. The answer wanted to be extremely dependable, correct, and scalable to hundreds of internet sites. Given the excessive compliance danger related to permitting web sites that promote prohibited merchandise on its system, the accuracy bar for the automation resolution was excessive.
The automation was constructed utilizing Fast Automate, designed for automating complicated enterprise-scale enterprise processes. A key part of the answer is a UI Agent, configured to autonomously carry out web site navigation and information extraction. The UI Agent is a part of Fast Automate, enabling complicated browser-based duties.
The UI Agent takes pure language enter, navigates web sites, and performs duties on the web sites based mostly on the inputs. The automation was configured to navigate and consider service provider web site product pages to establish prohibited gadgets, serving to dLocal keep their compliance posture. The AWS workforce collaborated intently with the dLocal workforce to design and refine prompts, serving to the automation carry out optimally for the shopper’s wants. The next structure diagram illustrates the automation.
The workflow consists of the next steps:
- The case administration function retrieves service provider circumstances from a processing queue for analysis, with every case containing important information, together with the web site URL that must be navigated and assessed. This function allows parallel automation execution, permitting a number of circumstances from the queue to be processed concurrently, with every automation dealing with a delegated variety of circumstances to optimize effectivity and scale back general processing time.
- The UI Agent is designed to navigate web sites throughout varied languages. This agent makes use of specifically crafted prompts to establish prohibited merchandise and counterfeit gadgets in accordance with native rules and country-specific necessities. It autonomously browses web sites to gather product info and assess compliance with dLocal’s insurance policies.
- When web sites are inaccessible, the system marks them as Non Compliant and evaluates the accessible websites in opposition to prohibited classes.
- The system classifies every case as Authorised, Rejected, or Web site Inaccessible, producing detailed reasoning for the choice and marking rejected circumstances for human within the loop (HILO) evaluate.
- Every case is up to date with its compliance standing and reasoning, and the outcomes are saved to the case administration system for monitoring and future reference.
- The compliance outcomes are saved in Amazon Easy Storage Service (Amazon S3) to take care of compliance with regulatory requirements and facilitate correct documentation of the service provider evaluations.
Core automation parts
On this part, we focus on the core automation parts used within the resolution.
Case processing
The answer processes service provider web sites utilizing its case administration function. This function treats every recurring entity (on this case, each web site) as a person case, offering enhanced observability. Customers can monitor metrics (akin to success price) and evaluate logs on the case stage somewhat than throughout your complete automation.
The function handles a number of service provider evaluations concurrently utilizing parallel batch processing, and offers real-time standing updates and maintains complete information for the case information.
Automated web site evaluation utilizing the UI Agent
The UI Agent is a function in Fast Automate to automate complicated browser-based actions based mostly on pure language directions. It handles inaccessible web sites, timeouts, and technical failures. The agent is ready to navigate a number of pages and cause over the content material of the pages to find out if an internet site is promoting prohibited merchandise. It offers a standardized information format for downstream enterprise techniques.
The UI Agent causes with the web sites in opposition to greater than 15 prohibited classes.
Human within the loop
For the few circumstances that stay ambiguous, Fast Automate can route exceptions to human operators, enabling handbook evaluate of vital steps. Reviewers obtain structured proof website information, flagged points, and screenshots to allow them to make fast, well-informed choices.
The UI agent offers detailed reasoning for the selections, which could be included within the human-in-the-loop evaluate steps to present reviewers extra context.
Integration
The answer securely shops compliance paperwork utilizing its integration with Amazon S3. The answer allows customers to create, modify, and analyze structured information instantly throughout the automation.
Reliability and compliance
The answer logs actions for compliance information. Constructed-in exception dealing with routinely detects and manages system errors and enterprise logic exceptions, facilitating automation continuity and enabling clever error restoration with out handbook intervention.
Outcomes and influence
With Fast Automate, dLocal achieved a breakthrough in compliance automation, with as much as 75% of service provider web site evaluations accomplished absolutely routinely within the universe rolled out for the managed evaluations, with no human intervention required. Compliance specialists who as soon as spent hours on routine web site checks now focus completely on complicated circumstances and making nuanced judgment calls that require deep regulatory experience, resulting in higher-quality danger choices the place it issues most.
Past bettering onboarding effectivity, the automation helps establish situations of coverage drift the place beforehand compliant retailers introduce prohibited merchandise. This automation enhances dLocal’s compliance course of by offering steady, real-time monitoring throughout your complete service provider portfolio.
dLocal is now positioned to scale service provider onboarding according to enterprise development, with a transparent path to push automation charges even larger. The purpose is to increase automated protection to embody the vast majority of compliance circumstances, serving to the workforce focus human experience on high-risk retailers, complicated regulatory situations, and circumstances requiring deep investigative judgment.
As Mauricio Clausen, VP of AI at dLocal, explains:”With Amazon Fast Automate, we’ve accelerated the evolution of one in all our superior AI assisted options: scaling service provider due diligence for cross-border market funds in rising markets. We built-in Amazon Fast Automate into our due diligence workflows to enhance our compliance workforce’s capabilities. Our preliminary AI deployment streamlined processing throughout many circumstances, and we proceed to use professional evaluate the place wanted. By leveraging Amazon Fast Automate, we’ve considerably decreased routine handbook steps, permitting our compliance consultants to give attention to essentially the most complicated circumstances whereas sustaining accuracy and scalability.”
Conclusion
dLocal’s implementation of Fast Automate illustrates how fintech corporations can keep rigorous compliance requirements whereas scaling throughout rising international locations. The outcomes dLocal achieved show how compliance can shift from a development constraint to a strategic enabler.As an early adopter actively shaping the event of Fast Automate, dLocal has bolstered its place as an business innovator. Their strategy to automating routine choices whereas reserving human experience for complicated, high-risk situations gives a mannequin for compliance organizations navigating related challenges at scale. In an business the place regulatory calls for intensify as corporations increase, this mix of AI-powered automation and strategic human oversight reveals how expertise can improve somewhat than exchange professional judgment.
To be taught extra about how Fast Automate helps enterprises reimagine operations and automation, confer with the next extra sources:
In regards to the authors
Martín Da Rosa is a Senior Software program Architect at dLocal, bringing greater than 13 years of expertise to the software program business. Based mostly in Uruguay and a part of the dLocal workforce since 2016. Martin performs a key position within the AI R&D division. His work focuses on bridging the hole between stable structure and utilized AI to ship high-impact expertise options.
Chethan Shriyan is a Principal Product Supervisor – Technical at AWS, based mostly in Seattle, WA. He brings almost 12 years of expertise in product and enterprise administration, together with over 6 years at Amazon. He’s enthusiastic about constructing and delivering expertise merchandise that create significant influence in buyer’s lives.
Guillermo Spallina is a Sr. Buyer Options Supervisor at AWS based mostly in Buenos Aires, Argentina, with greater than 25 years of expertise in IT and product administration, at the moment serving to DNB/ISV clients obtain their enterprise targets.
Reagan Rosario brings over a decade of technical experience to his position as a Sr. Specialist Options Architect in Generative AI at AWS. Reagan transforms enterprise techniques by way of strategic implementation of AI-powered cloud options, automated workflows, and revolutionary structure design. His specialty lies in guiding organizations by way of digital evolution, preserving core enterprise worth whereas implementing cutting-edge generative AI capabilities that dramatically improve operations and create new prospects.
Natalia Mayorga Prieto is an Affiliate Scale CSM at AWS based mostly in Bogotá, Colombia, serving to clients as a Migration Success Lead for MAP 2.0 migrations throughout LATAM. With a ardour for expertise and dance, she is devoted to creating her mark as a younger lady within the tech world, inspiring others women.
