
The multi-year agreement will help MVB expand compliance capacity without increasing back-office headcount.


MVB Bank, Inc., a subsidiary of MVB Financial Corp. (NASDAQ:MVBF), has selected Bretton AI to deliver

<p xmlns="http://www.w3.org/1999/xhtml">
<i xmlns="http://www.w3.org/1999/xhtml">The multi-year agreement will help MVB expand compliance capacity without increasing back-office headcount.</i>

</p><p xmlns="http://www.w3.org/1999/xhtml">
MVB Bank, Inc., a subsidiary of MVB Financial Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/quote/MVBF">MVBF</a>), has selected Bretton AI to deliver AI-native Managed Services for their back-office operations. A dedicated U.S.-based Bretton team will deliver outcomes, utilizing the Bretton AI platform, in the form of Anti-Money Laundering transaction monitoring and Know Your Customer (KYC) completed alerts and cases inline with MVB&#39;s policies and risk framework.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">Why MVB selected Bretton</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
MVB has spent two decades building a national business serving fintech, payments, and other high-growth sectors from its community banking base. As MVB sees strong business expansion with partner banks, the work required to monitor activity and conduct due diligence is expected to grow in lockstep. MVB selected Bretton to expand capacity and consistency without increasing back-office headcount at the same rate as the business.

</p><p xmlns="http://www.w3.org/1999/xhtml">
&#34;MVB built a national fintech business on top of a community bank, and that growth brings increasingly complex compliance demands,&#34; said Julie O&#39;Connor, Chief Compliance Officer at MVB Bank. &#34;Bretton AI gives us a way to scale monitoring and due-diligence capacity while keeping MVB in control of the program, its decisions and its filings. That allows our team to focus on the highest-risk work, support responsible growth, and advance our broader AI strategy.&#34;

</p><p xmlns="http://www.w3.org/1999/xhtml">
Under the agreement, Bretton AI&#39;s US-based analysts use the Bretton AI Platform to review alerts and complete enhanced due diligence work, with a trained analyst reviewing every AI-assisted output before it reaches MVB. This human-in-the-loop model lets MVB receive higher-quality, more consistent reviews at lower cost than a traditional headcount-based build-out, while giving the program room to scale as volume grows. Bretton&#39;s outcome-based pricing reinforces this: fees tie to completed work, not analyst hours, so MVB adds capacity without adding headcount-driven costs.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">Market Context</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
The agreement follows the launch of Bretton AI Managed Services, an AI-native alternative to the traditional, headcount-based compliance outsourcing. The offering combines the Bretton AI platform with a dedicated U.S.-based operations team and outcome-based pricing. Rick Shooman, who has 25 years of experience building and advising financial crime programs inside banks and across the industry, leads the Services business. MVB adds to the growing set of banks and fintechs moving their back-office operations to Bretton AI Managed Services.

</p><p xmlns="http://www.w3.org/1999/xhtml">
The agreement also comes as FinCEN and federal regulators consider proposed changes to AML and CFT program requirements that place greater emphasis on risk-based effectiveness and the responsible use of modern technology. MVB is now able to focus their efforts on risk-based effectiveness instead of tedious and manual operations.

</p><p xmlns="http://www.w3.org/1999/xhtml">
&#34;MVB is showing what it looks like to scale a sophisticated fintech business without recreating the same labor-heavy operating model around it ,&#34; said Rick Shooman, Managing Director, Head of Services at Bretton AI. &#34;Bretton brings the platform and the operating team together in one accountable service. We perform the work under MVB’s policies and standards, while MVB remains in control of its risk program.&#34;

</p><p xmlns="http://www.w3.org/1999/xhtml">
Learn more about our partnership from <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.bretton.com%2Fblog%2Fmvb-bank-is-scaling-its-fintech-business-without-scaling-its-back-office&amp;esheet=54585370&amp;newsitemid=20260806161632&amp;lan=en-US&amp;anchor=our+blog&amp;index=1&amp;md5=579a7c97f34dc8ec0aadbe577b2f54ad" shape="rect">our blog</a><a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.bretton.com%2Fblog%2Fmvb-bank-is-scaling-its-fintech-business-without-scaling-its-back-office&amp;esheet=54585370&amp;newsitemid=20260806161632&amp;lan=en-US&amp;anchor=post&amp;index=2&amp;md5=47bab5a1aff62c9be59761d905c0f13e" shape="rect"> post</a>.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">About MVB Bank</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
MVB Bank, Inc., a subsidiary of MVB Financial Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/quote/MVBF">MVBF</a>), is a Fairmont, West Virginia based bank founded in 1999. Alongside its community banking roots in the Mid-Atlantic, MVB has built a national practice serving fintech, payments, and gaming clients, providing embedded finance, banking as a service, and payments infrastructure to companies across the country. More at <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fmvbbanking.com&amp;esheet=54585370&amp;newsitemid=20260806161632&amp;lan=en-US&amp;anchor=mvbbanking.com&amp;index=3&amp;md5=627632e6047ff1721f3694e671518b0d" shape="rect">mvbbanking.com</a>.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">About Bretton AI</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
Bretton AI runs AI-native operations for the financial back office. Its platform performs compliance, risk, fraud, and operational work for banks and fintechs, on the institution&#39;s own data and policies, with every decision traced and defensible. Bretton AI Managed Services pairs the platform with a dedicated, US-based team that runs the operation end to end, priced on outcomes and accountable for the result. Grow the bank, not the back office. More at <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fbretton.com&amp;esheet=54585370&amp;newsitemid=20260806161632&amp;lan=en-US&amp;anchor=bretton.com&amp;index=4&amp;md5=3de25f7307f986b399fb70b3cb87b251" shape="rect">bretton.com</a>.

</p><p xmlns="http://www.w3.org/1999/xhtml"><img xmlns="http://www.w3.org/1999/xhtml" alt="" src="https://cts.businesswire.com/ct/CT?id=bwnews&amp;sty=20260806161632r1&amp;sid=benz2&amp;distro=nx&amp;lang=en" style="width:0;height:0"></img><span xmlns="http://www.w3.org/1999/xhtml" class="bwct31415"></span></p><p xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink"><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-phrase">View source version on businesswire.com: </span><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-link"><a xmlns="http://www.w3.org/1999/xhtml" href="https://www.businesswire.com/news/home/20260806161632/en/" rel="nofollow">https://www.businesswire.com/news/home/20260806161632/en/</a></span></p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">Media Contacts 
</b><br xmlns="http://www.w3.org/1999/xhtml"></br>Bretton AI
<br xmlns="http://www.w3.org/1999/xhtml"></br>Mckenzie Wax for Bretton AI
<br xmlns="http://www.w3.org/1999/xhtml"></br><a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="mailto:mckenzie@heycommand.com" shape="rect">mckenzie@heycommand.com</a>

</p><p xmlns="http://www.w3.org/1999/xhtml">
MVB Bank
<br xmlns="http://www.w3.org/1999/xhtml"></br>Amy Baker for MVB Bank
<br xmlns="http://www.w3.org/1999/xhtml"></br><a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="mailto:abaker@mvbbanking.com" shape="rect">abaker@mvbbanking.com</a>

</p>

MVBF

MVB Bank Selects Bretton AI to Run Its Back-Office Operations as It Scales Its Fintech Business

MVB Bank taps Bretton AI to scale compliance without headcount growth

<section class="insight" data-version="1">
  <section data-block="information">
    <h3>Information</h3>
    <p>The multi-year agreement will help MVB expand compliance capacity without increasing back-office headcount.


MVB Bank, Inc., a subsidiary of MVB Financial Corp. (NASDAQ:MVBF), has selected Bretton AI to deliver</p>
  </section>

  <section data-block="ai-summary-paragraph">
    <h3>AI Summary</h3>
    <p>MVB Bank, MVBF&#039;s subsidiary, tapped Bretton AI for AI-native back-office AML/KYC monitoring under a multi-year, human-in-the-loop service. The deal aims to scale compliance capacity without more headcount, with costs tied to completed work. It aligns with potential regulatory tightening on AML/CFT and broader AI adoption in banks.</p>
  </section>

  <section data-block="ai-summary-bullets">
    <h3>Key Points</h3>
    <ul><li>MVB Bank selects Bretton AI for AI-native AML/KYC back-office services.</li><li>Multi-year agreement with US-based analysts and human-in-the-loop reviews.</li><li>Fees tied to completed work, not analyst hours.</li><li>Regulatory changes to AML/CFT could boost AI outsourcing demand.</li></ul>
  </section>

  <section data-block="companies-mentioned">
    <h3>Companies Mentioned</h3>
    <ul><li><strong>MVB Financial Corp. (MVBF)</strong>: Parent company; strategic AI-compliance outsourcing adds potential cost savings and scalability.</li><li><strong>MVB Bank, Inc. (MVBF)</strong>: Subsidiary implementing Bretton AI managed services for AML/KYC.</li><li><strong>Bretton AI (N/A)</strong>: Provider of AI-native back-office platform; private company; enables scalable compliance.</li></ul>
  </section>

  <section data-block="category">
    <h3>Corporate Developments</h3>
    <p>Category: Corporate Developments. It reflects a strategic outsourcing partnership aimed at operational scale and compliance efficiency, aligning with broader AI-adoption trends in mid-sized banks.</p>
  </section>

  <section data-block="market-moving">
    <h3>Market-Moving</h3>
    <ul><li>Back-office cost efficiency through AI-driven monitoring may lift margins.</li><li>Multi-year agreement enhances visibility into MVBF&#039;s operating expense profile.</li><li>Regulatory AML/CFT changes could expand demand for Bretton AI services.</li><li>Market reaction may hinge on realized savings and regulatory outcomes.</li></ul>
  </section>

  <section data-block="key-facts">
    <h3>Key Facts</h3>
    <ul><li>Multi-year agreement between MVB Bank and Bretton AI.</li><li>US-based analysts will review alerts and complete enhanced due diligence.</li><li>Fees tied to completed work, not analyst hours.</li><li>MVB Bank to scale compliance without proportional headcount growth.</li><li>Agreement aligns with potential AML/CFT regulatory changes.</li></ul>
  </section>

  <section data-block="trading-thesis">
    <h3>Trading Thesis</h3>
    <p>Bullish; modest MVBF upside possible in 1–3 quarters as efficiency gains accrue.</p>
  </section>
</section>


<p xmlns="http://www.w3.org/1999/xhtml">
<i xmlns="http://www.w3.org/1999/xhtml">The multi-year agreement will help MVB expand compliance capacity without increasing back-office headcount.</i>

</p><p xmlns="http://www.w3.org/1999/xhtml">
MVB Bank, Inc., a subsidiary of MVB Financial Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/quote/MVBF">MVBF</a>), has selected Bretton AI to deliver AI-native Managed Services for their back-office operations. A dedicated U.S.-based Bretton team will deliver outcomes, utilizing the Bretton AI platform, in the form of Anti-Money Laundering transaction monitoring and Know Your Customer (KYC) completed alerts and cases inline with MVB&#39;s policies and risk framework.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">Why MVB selected Bretton</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
MVB has spent two decades building a national business serving fintech, payments, and other high-growth sectors from its community banking base. As MVB sees strong business expansion with partner banks, the work required to monitor activity and conduct due diligence is expected to grow in lockstep. MVB selected Bretton to expand capacity and consistency without increasing back-office headcount at the same rate as the business.

</p><p xmlns="http://www.w3.org/1999/xhtml">
&#34;MVB built a national fintech business on top of a community bank, and that growth brings increasingly complex compliance demands,&#34; said Julie O&#39;Connor, Chief Compliance Officer at MVB Bank. &#34;Bretton AI gives us a way to scale monitoring and due-diligence capacity while keeping MVB in control of the program, its decisions and its filings. That allows our team to focus on the highest-risk work, support responsible growth, and advance our broader AI strategy.&#34;

</p><p xmlns="http://www.w3.org/1999/xhtml">
Under the agreement, Bretton AI&#39;s US-based analysts use the Bretton AI Platform to review alerts and complete enhanced due diligence work, with a trained analyst reviewing every AI-assisted output before it reaches MVB. This human-in-the-loop model lets MVB receive higher-quality, more consistent reviews at lower cost than a traditional headcount-based build-out, while giving the program room to scale as volume grows. Bretton&#39;s outcome-based pricing reinforces this: fees tie to completed work, not analyst hours, so MVB adds capacity without adding headcount-driven costs.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">Market Context</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
The agreement follows the launch of Bretton AI Managed Services, an AI-native alternative to the traditional, headcount-based compliance outsourcing. The offering combines the Bretton AI platform with a dedicated U.S.-based operations team and outcome-based pricing. Rick Shooman, who has 25 years of experience building and advising financial crime programs inside banks and across the industry, leads the Services business. MVB adds to the growing set of banks and fintechs moving their back-office operations to Bretton AI Managed Services.

</p><p xmlns="http://www.w3.org/1999/xhtml">
The agreement also comes as FinCEN and federal regulators consider proposed changes to AML and CFT program requirements that place greater emphasis on risk-based effectiveness and the responsible use of modern technology. MVB is now able to focus their efforts on risk-based effectiveness instead of tedious and manual operations.

</p><p xmlns="http://www.w3.org/1999/xhtml">
&#34;MVB is showing what it looks like to scale a sophisticated fintech business without recreating the same labor-heavy operating model around it ,&#34; said Rick Shooman, Managing Director, Head of Services at Bretton AI. &#34;Bretton brings the platform and the operating team together in one accountable service. We perform the work under MVB’s policies and standards, while MVB remains in control of its risk program.&#34;

</p><p xmlns="http://www.w3.org/1999/xhtml">
Learn more about our partnership from <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.bretton.com%2Fblog%2Fmvb-bank-is-scaling-its-fintech-business-without-scaling-its-back-office&amp;esheet=54585370&amp;newsitemid=20260806161632&amp;lan=en-US&amp;anchor=our+blog&amp;index=1&amp;md5=579a7c97f34dc8ec0aadbe577b2f54ad" shape="rect">our blog</a><a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.bretton.com%2Fblog%2Fmvb-bank-is-scaling-its-fintech-business-without-scaling-its-back-office&amp;esheet=54585370&amp;newsitemid=20260806161632&amp;lan=en-US&amp;anchor=post&amp;index=2&amp;md5=47bab5a1aff62c9be59761d905c0f13e" shape="rect"> post</a>.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">About MVB Bank</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
MVB Bank, Inc., a subsidiary of MVB Financial Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/quote/MVBF">MVBF</a>), is a Fairmont, West Virginia based bank founded in 1999. Alongside its community banking roots in the Mid-Atlantic, MVB has built a national practice serving fintech, payments, and gaming clients, providing embedded finance, banking as a service, and payments infrastructure to companies across the country. More at <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fmvbbanking.com&amp;esheet=54585370&amp;newsitemid=20260806161632&amp;lan=en-US&amp;anchor=mvbbanking.com&amp;index=3&amp;md5=627632e6047ff1721f3694e671518b0d" shape="rect">mvbbanking.com</a>.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">About Bretton AI</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
Bretton AI runs AI-native operations for the financial back office. Its platform performs compliance, risk, fraud, and operational work for banks and fintechs, on the institution&#39;s own data and policies, with every decision traced and defensible. Bretton AI Managed Services pairs the platform with a dedicated, US-based team that runs the operation end to end, priced on outcomes and accountable for the result. Grow the bank, not the back office. More at <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fbretton.com&amp;esheet=54585370&amp;newsitemid=20260806161632&amp;lan=en-US&amp;anchor=bretton.com&amp;index=4&amp;md5=3de25f7307f986b399fb70b3cb87b251" shape="rect">bretton.com</a>.

</p><p xmlns="http://www.w3.org/1999/xhtml"><img xmlns="http://www.w3.org/1999/xhtml" alt="" src="https://cts.businesswire.com/ct/CT?id=bwnews&amp;sty=20260806161632r1&amp;sid=benz2&amp;distro=nx&amp;lang=en" style="width:0;height:0"></img><span xmlns="http://www.w3.org/1999/xhtml" class="bwct31415"></span></p><p xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink"><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-phrase">View source version on businesswire.com: </span><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-link"><a xmlns="http://www.w3.org/1999/xhtml" href="https://www.businesswire.com/news/home/20260806161632/en/" rel="nofollow">https://www.businesswire.com/news/home/20260806161632/en/</a></span></p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">Media Contacts 
</b><br xmlns="http://www.w3.org/1999/xhtml"></br>Bretton AI
<br xmlns="http://www.w3.org/1999/xhtml"></br>Mckenzie Wax for Bretton AI
<br xmlns="http://www.w3.org/1999/xhtml"></br><a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="mailto:mckenzie@heycommand.com" shape="rect">mckenzie@heycommand.com</a>

</p><p xmlns="http://www.w3.org/1999/xhtml">
MVB Bank
<br xmlns="http://www.w3.org/1999/xhtml"></br>Amy Baker for MVB Bank
<br xmlns="http://www.w3.org/1999/xhtml"></br><a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="mailto:abaker@mvbbanking.com" shape="rect">abaker@mvbbanking.com</a>

</p>

MVB Bank, MVBF's subsidiary, tapped Bretton AI for AI-native back-office AML/KYC monitoring under a multi-year, human-in-the-loop service. The deal aims to scale compliance capacity without more headcount, with costs tied to completed work. It aligns with potential regulatory tightening on AML/CFT and broader AI adoption in banks.

News insight

MVB Bank Selects Bretton AI to Run Its Back-Office Operations as It Scales Its Fintech Business

AI summary

Sentiment rationale

Key facts

Corporate Developments