🛡️ AI autopilot · aml

KYC/AML compliance autopilot

Onboards, screens and monitors customers — a BSA Officer signs every SAR and high-risk approval.

BSA/AML Officer / Head of Compliancebuys it $61Bmarket 5 auto · 1 humanflow steps

The problem

Financial-crime compliance is a $61B labor sink of manual screening and alert triage — and a missed SAR or sanctions hit is personal liability for the BSA Officer.

What you get

Onboarding, screening and alert triage run straight-through with a documented rationale; only genuine risk reaches the BSA Officer, who signs every SAR and high-risk approval.

The flow

Intake to outcome. 🤖 steps run automatically; 🧑‍⚖️ steps are where a named human signs off the judgment calls.

  1. 1
    🤖 Onboard the customer: verify identity and beneficial ownership
    agent intake · Identity verification (IDV)KYB / vendor verification
  2. 2
    🤖 Screen the party + UBO against sanctions / PEP / adverse-media (continuous)
    agent screen · Sanctions / PEP screeningAdverse-media / PEP
  3. 3
    🤖 Monitor transactions, triage alerts, and draft the SAR narrative
    agent compliance · Transaction monitoring
  4. 4
    🧑‍⚖️ The BSA/AML Officer signs the SAR filing and any high-risk onboarding Human checkpoint
    Designated BSA/AML Officer
  5. 5
    🤖 File the SAR with FinCEN and apply the onboarding decision ⚠ Irreversible · high blast
    agent file · SAR / BSA e-file
  6. 6
    🤖 Maintain the monitoring loop and document dispositions for exam
    agent monitor · Transaction monitoring

Agents & tools

  • Identity verification (IDV) stub → Persona
  • KYB / vendor verification stub → Middesk
  • Sanctions / PEP screening ● live · Dow Jones
  • Adverse-media / PEP stub → Dow Jones
  • Transaction monitoring stub → NICE Actimize
  • SAR / BSA e-file ● live · FinCEN BSA E-File

2 of these run live on real data — keyless by default; the rest are sandbox stubs that flip to the real provider the moment you add credentials.

Human checkpoints

  • Designated BSA/AML Officer — The BSA/AML Officer signs the SAR filing and any high-risk onboarding

The autopilot escalates the judgment calls to a qualified human — the rest is straight-through.

Why it's safe to let it run

Every autonomous decision is logged — who · what · confidence. Signed human checkpoints and a built-in compliance reviewer enforce the rails, so the outcome holds up to an audit, not just a demo. Every irreversible action runs only after a human signs — the autopilot does the volume, never the point of no return on its own.

🧑 Accountable owner: Designated BSA/AML Officer — one person answers for what this autopilot does.

Related autopilots

Same buyer, adjacent function — the connectors and compliance packs are shared.

☂️
Claims & underwriting autopilot
Adjudicates claims and prices risk — a licensed adjuster/underwriter signs the call that carries bad-faith exposure.
$36–38B marketOpen ↗
🔐
Managed-SOC / MDR autopilot
Triages and investigates every security alert 24/7 — a SOC analyst signs any containment.
$4–6B marketOpen ↗
📊
SOX ITGC audit autopilot
Tests IT general controls and drafts workpapers — a licensed CPA signs the opinion.
$15–25B (SOX) marketOpen ↗
Start your aml autopilot Compare all autopilots ↗