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Financial Infrastructure That Works Both Ways
BSA/AML · TransactionMonitor · Available Q3 2026
Stop reviewing noise.
Start finding what
matters.
Your legacy AML system is generating more false positives than findings. TransactionMonitor changes the ratio, so your BSA Officer spends time on real patterns, not system noise.
THE FALSE POSITIVE FLOOR
50-60%
False positive rate on legacy rule-based AML systems. Most of that work confirms the alert was wrong.
THE FILING WINDOW
30 days
SAR filing window runs from detection — regardless of examination timing, political calendar, or staffing changes.
What your current system puts on your desk
The daily burden, itemized.
1 THE FALSE POSITIVE FLOOD
Most of the work confirms the alert was wrong.
Legacy rule-based AML systems flag legitimate transactions at rates of 50 to 60 percent. Every flagged transaction requires BSA Officer review: open the alert, pull the supporting records, make a determination, document the outcome.
Time spent clearing false positives is time not spent finding the transactions that actually need a SAR. It is the defining daily frustration of BSA/AML work — not the rare sophisticated structuring scheme, but the constant volume of system noise.
TransactionMonitor runs under 15% false positive rate. The alerts that reach your BSA Officer's desk are alerts worth reviewing.
Subject • Legacy AML Continuous
2 THE SAR NARRATIVE PROBLEM
Drafted from the alert. Filed by your officer.
Every SAR requires a narrative covering who, what, where, when, why, and how — structured to FinCEN expectations and complete enough to support an investigation if law enforcement picks it up.
Writing it from scratch from transaction records, under a 30-day clock, is one of the most time-consuming parts of the BSA Officer's job.
SARDrafter generates the narrative from alert data: structured to FinCEN format, regulatory citations pre-populated, red flags documented. Your officer reviews, edits, and approves before filing.
The 30-day clock runs from detection. The Bank Secrecy Act obligation holds regardless of examination timing, political calendar, or staffing changes.
SIX AGENTS • ONE INFRASTRUCTURE
Your Review. Better Information.
The agents detect, scope, document, and cite. Your BSA Officer reviews and decides.
1 Detect
TransactionMonitor
Anomaly detection for structuring, velocity changes, round-dollar deposits, and geographic risk clusters. Continuous over full transaction volume. Every alert delivered with citations and pre-scoped detail.
UNDER 15% FALSE POSITIVE RATE
2 Draft
SARDrafter
SAR narrative generation from alert data. Structured to FinCEN: who, what, where, when, why, how. Regulatory citations pre-populated, source-system fields mapped. Officer reviews, edits, approves.
FinCEN-FORMATTED · OFFICER-APPROVED
3 Record
AuditLogger
Immutable record of every alert, every review decision, every filing outcome. Timestamped, tamper-evident, examiner-ready from day one. Runs across all agents continuously.
EXAMINER-READY • DAY ONE
4 Screen
OFACScreener
Real-time sanctions screening against the OFAC SDN and consolidated lists. Fuzzy name matching handles variations, aliases, and transliteration. Screens at transaction initiation — not nightly batch.
AT INITATION • NOT BATCH
5 File
CTRGenerator
Automated Currency Transaction Report filing for cash transactions exceeding $10,000. Multi-transaction aggregation for structuring detection. Filing data pre-populated. Compliance officer reviews.
31 CFR §1010.311
6 Score
RiskScorer
Customer Due Diligence ratings with Enhanced Due Diligence workflow triggers. Scores recalculate as transaction patterns change — not reset to baseline at annual cycles. EDD initiated automatically at threshold.
CONTINUOUS • NOT ANNUAL
FREE Public Resource
The agent detects. Your BSA Officer decides.
Your BSA Officer reviews alerts that are already scoped, documented, and cited — not raw transaction data requiring independent research. Every alert your officer clears, every SAR your officer approves, every non-filing your officer documents is recorded in the AuditLogger with timestamp and rationale.
Examiners asking "how did you handle this transaction?" receive a complete, searchable record of every decision your compliance team made — not a reconstruction assembled after the fact.
Every alert. Every decision. Every filing. Human-reviewed and human-approved.
FREE FOR BSA OFFICERS • NO LOGIN
Before the SAR, the narrative.
Each narrative is structured to FinCEN expectations: who, what, where, when, why, how — with red flags called out and source-system fields pre-mapped.
Structuring Velocity Geographic Risk Round Dollar
Read any template without logging in. Download Word versions with an email address. No contract. No integration. No sales call required.
TransactionMonitor vs. The Alternatives
A side-by-side reading.
|
Enterprise AML |
Econofi TransactionMonitor For community institutions |
|
|---|---|---|
| Target institution size | Banks above $10B in assets | Community banks · MDIs · CDFIs |
| False positive rate | 50–60% (rule-based) | Under 15% (ML-powered) |
| Deployment | Dedicated IT staff required | Cloud-native SaaS |
| SAR narrative generation | Not included | Yes — SARDrafter included |
| Audit trail | Varies by deployment | Immutable, continuous from day one |
| Core banking integration | Complex custom integration | SFTP — Fiserv · Jack Henry · FIS |