Shadow IT and Shadow AI · for banks and financial institutions

Shadow IT under control.
Every month, with no spreadsheet.

Discover every piece of software in use, give each one an owner, review the access and generate the records that help demonstrate adherence to CMN Resolution No. 4,893.

Assessment of your scenario · POC guided by your risks

The problem

The manual process does not close every month

Export the proxy log, cross-reference the spreadsheet, hunt down the owner. With thousands of apps, the monthly cycle turns quarterly.

No owner

The usage shows up, the owner does not

Nobody takes the software on, nobody answers for the risk.

No approval

A contract nobody mentioned

One team buys it, security finds out later, outside SSO.

No control

Company data in a personal account

Collaboration and AI with a personal email. The data leaves and does not come back.

No routine

The committee sees last quarter

The spreadsheet ages before it is finished.

How Niuco solves it

Discover, approve, control, block

A single inventory, from the software discovered yesterday to the auditor’s access review.

01 · Discover

Everything that is in use

SSO, audit logs, Slack, procurement and Netskope. AI classifies each new piece of software.

  • Risk score and data in use
  • SSO, MFA and local accounts per app

02 · Approve

Owner, stage and validity

Who approved it, how long it is valid and a warning before it expires.

  • Approved, under review, prohibited
  • Owner: person, team or cost center

03 · Control

Who has access, and who should not

Terminated employee with access, personal email, unapproved app. Remove in bulk, with approval.

04 · Block

Prohibited means blocked

We integrate with your web filter. Software prohibited in Niuco is blocked at the proxy, with no ticket for the infrastructure team.

  • Integration with SWG, such as Netskope
  • Approved it? Access comes back
Shadow AI

What about AI tools?

They arrive before approval and carry away code and customer data. In Niuco, they join the same inventory, with owner, risk and review.

CMN Resolutions No. 4,893 and 5,274

What 4,893 asks for, and where Niuco supports it

Resolution 4,893 applies to banks, credit unions and other financial institutions. With CMN Resolution No. 5,274/2025, it detailed the minimum controls, such as authentication, access control (including the periodic review of permissions) and traceability, also in the adoption of new technologies. The compliance deadline ended on March 1, 2026.

Where Niuco supports it

Inventory

Every service in use

Software and cloud services, with owner and stage.

Access control

SSO, MFA and who has access

SSO and MFA per app, terminated employees and personal emails.

Traceability

Who did what, and when

History of approvals, sign-offs and revocations.

Evidence

Ready for the audit

Exportable reviews, with each reviewer’s decision.

Informational content, not legal advice. Using Niuco does not, on its own, guarantee compliance with CMN Resolution No. 4,893, BCB Resolution No. 85 or other regulations; compliance is each institution’s responsibility. Assess the requirements with your legal and compliance teams.

How to start

From the assessment to the committee routine

Without replacing the proxy, the SSO or the CASB you already use.

01 · Assessment

We understand your scenario

The current process and what the committee needs to see.

02 · Connection

We connect the sources

SSO, audit logs, messaging, procurement and Netskope.

03 · Guided POC

We validate against your risks

Your software, your criteria, not a generic demo.

04 · Routine

The committee gets what changed

Reports by email, on Slack or on Teams.

Netskope, Microsoft Entra, Google Workspace and Slack are trademarks of their respective owners. The reference indicates technical compatibility and does not imply affiliation or endorsement.

Frequently asked questions about Shadow IT in banks

If your question is not here, talk to a specialist — the conversation takes 30 minutes.

It is any software used in the company without going through IT and security approval: a tool one team contracted on its own, a free app used with a personal email or a SaaS product that came in on a corporate card. The risk is having company data somewhere nobody controls, with no SSO, no MFA and no access review.

It is the Shadow IT of artificial intelligence tools: assistants, code generators and chatbots used without approval, often with a personal account. In Niuco, these tools join the same inventory as the other software, with stage, owner, risk score and access review.

Resolution 4,893 applies to banks, credit unions and other financial institutions authorized by the Central Bank of Brazil. It requires a cybersecurity policy and sets requirements for contracting relevant data processing, data storage and cloud computing services. With CMN Resolution No. 5,274/2025, it detailed the minimum controls, such as authentication, access control (including the periodic review of permissions) and traceability; the compliance deadline ended on March 1, 2026. Payment institutions, brokerages, securities dealers, foreign exchange brokers and virtual asset service providers follow equivalent rules in BCB Resolution No. 85/2021, amended by BCB Resolution No. 538/2025. In practice, meeting these controls is hard without knowing which services are in use, who has access to each one and what was decided — and that is what Niuco organizes. Informational content, not legal advice: using Niuco does not, on its own, guarantee compliance; assess the requirements with your legal and compliance teams.

By cross-referencing the sources the institution already has: SSO login with Google and Microsoft, audit logs, the apps installed in messaging tools such as Slack, the procurement platform and Netskope web traffic. Each new piece of software enters the inventory with the date it appeared and with its SSO, MFA and local account posture. Niuco AI suggests the category, the data in use and the risk score for each one, and you review and approve the suggestions.

Yes. Niuco integrates with your web filter (SWG), such as Netskope: when a piece of software is marked as prohibited in Niuco, it is blocked at the proxy, with no ticket for the infrastructure team. If it is approved later, access comes back. In Niuco you can also remove or deactivate the users of that software, with approval and history.

No. Niuco connects to what you already have, such as Netskope, Microsoft Entra ID, Google Workspace and Slack, and organizes discovery, approval and access review in a single place.

With an assessment: we understand the current process, the available sources and what the risk committee needs to see. We then connect the sources and run a POC guided by your software and risk criteria, before any contract.

Bring the committee today’s Shadow IT, not last quarter’s.

Book an assessment and a POC guided by your risks.

Book an assessment