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 shoppers with international know-how 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 usually are not promoting prohibited or non-compliant items or companies, 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 answer to assist streamline the web site evaluation course of. Nevertheless, as the corporate expanded throughout extra international locations and onboarded hundreds of recent retailers month-to-month, the rising complexity challenged the continued evolution of the answer. A good portion of circumstances nonetheless required handbook evaluation to validate compliance selections, making a bottleneck that restricted scalability as transaction volumes and service provider progress accelerated. The handbook evaluation 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 evaluation course of extremely cumbersome.
To deal with this, dLocal sought to automate the evaluation course of to scale back handbook effort, decrease human error, and facilitate compliance alignment. Moreover, as a result of onboarded web sites have to be periodically reevaluated to verify continued adherence to insurance policies, automation would additionally assist streamline these recurring compliance checks for present retailers.
dLocal determined to associate 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 evaluation course of, enabling large-scale, environment friendly, and constant coverage enforcement. With a sophisticated multi-agent automation structure engineered for enterprise-scale deployment, Fast Automate combines UI automation, API integrations, and automation orchestration in a single, absolutely managed answer. Fast Automate makes use of generative AI to investigate inputs from the person and suggests an automation that may be modified and prolonged to take motion throughout enterprise methods and UIs, partaking a human when wanted. By way of specialised AI brokers, Fast Automate helps organizations automate advanced processes throughout purposes and departments whereas lowering operational prices by usage-based pricing.
On this put up, we share how dLocal labored intently with the AWS group to assist form the product roadmap, reinforce its position as an business innovator, and set new benchmarks for operational excellence within the international fintech panorama.
Resolution overview
dLocal required a course of automation answer able to navigating a number of product pages in web sites and reviewing every product towards 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 threat related to permitting web sites that promote prohibited merchandise on its system, the accuracy bar for the automation answer was excessive.
The automation was constructed utilizing Fast Automate, designed for automating advanced enterprise-scale enterprise processes. A key part of the answer is a UI Agent, configured to autonomously carry out web site navigation and knowledge extraction. The UI Agent is a part of Fast Automate, enabling advanced 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 group collaborated intently with the dLocal group 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 characteristic retrieves service provider circumstances from a processing queue for analysis, with every case containing important knowledge, together with the web site URL that must be navigated and assessed. This characteristic permits parallel automation execution, permitting a number of circumstances from the queue to be processed concurrently, with every automation dealing with a chosen variety of circumstances to optimize effectivity and cut back total processing time.
- The UI Agent is designed to navigate web sites throughout numerous languages. This agent makes use of specifically crafted prompts to establish prohibited merchandise and counterfeit gadgets in line with native laws 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 towards prohibited classes.
- The system classifies every case as Accredited, Rejected, or Web site Inaccessible, producing detailed reasoning for the choice and marking rejected circumstances for human within the loop (HILO) evaluation.
- 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 keep up 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 answer.
Case processing
The answer processes service provider web sites utilizing its case administration characteristic. This characteristic treats every recurring entity (on this case, each web site) as a person case, offering enhanced observability. Customers can observe metrics (comparable to success charge) and evaluation logs on the case degree relatively than throughout your complete automation.
The characteristic 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 knowledge.
Automated web site evaluation utilizing the UI Agent
The UI Agent is a characteristic in Fast Automate to automate advanced 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 motive over the content material of the pages to find out if a web site is promoting prohibited merchandise. It offers a standardized knowledge format for downstream enterprise methods.
The UI Agent causes with the web sites towards 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 evaluation of vital steps. Reviewers obtain structured proof website knowledge, flagged points, and screenshots to allow them to make fast, well-informed selections.
The UI agent offers detailed reasoning for the choices, which could be included within the human-in-the-loop evaluation steps to present reviewers extra context.
Integration
The answer securely shops compliance paperwork utilizing its integration with Amazon S3. The answer permits customers to create, modify, and analyze structured knowledge instantly inside 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 affect
With Fast Automate, dLocal achieved a breakthrough in compliance automation, with as much as 75% of service provider web site opinions 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 solely on advanced circumstances and making nuanced judgment calls that require deep regulatory experience, resulting in higher-quality threat selections the place it issues most.
Past enhancing onboarding effectivity, the automation helps establish cases 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 consistent with enterprise progress, 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 group focus human experience on high-risk retailers, advanced regulatory eventualities, 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 among 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 group’s capabilities. Our preliminary AI deployment streamlined processing throughout many circumstances, and we proceed to use professional evaluation the place wanted. By leveraging Amazon Fast Automate, we’ve considerably diminished routine handbook steps, permitting our compliance specialists to deal with essentially the most advanced circumstances whereas sustaining accuracy and scalability.”
Conclusion
dLocal’s implementation of Fast Automate illustrates how fintech firms can keep rigorous compliance requirements whereas scaling throughout rising international locations. The outcomes dLocal achieved show how compliance can shift from a progress 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 method to automating routine selections whereas reserving human experience for advanced, high-risk eventualities affords a mannequin for compliance organizations navigating related challenges at scale. In an business the place regulatory calls for intensify as firms increase, this mixture of AI-powered automation and strategic human oversight reveals how know-how can improve relatively than exchange professional judgment.
To study extra about how Fast Automate helps enterprises reimagine operations and automation, check with the next extra assets:
Concerning 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. Primarily based in Uruguay and a part of the dLocal group since 2016. Martin performs a key position within the AI R&D division. His work focuses on bridging the hole between strong structure and utilized AI to ship high-impact know-how options.
Chethan Shriyan is a Principal Product Supervisor – Technical at AWS, based mostly in Seattle, WA. He brings practically 12 years of expertise in product and enterprise administration, together with over 6 years at Amazon. He’s enthusiastic about constructing and delivering know-how merchandise that create significant affect 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, presently 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 methods by strategic implementation of AI-powered cloud options, automated workflows, and modern structure design. His specialty lies in guiding organizations by digital evolution, preserving core enterprise worth whereas implementing cutting-edge generative AI capabilities that dramatically improve operations and create new potentialities.
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 know-how and dance, she is devoted to creating her mark as a younger lady within the tech world, inspiring others ladies.
