Your customers are already building financial capability. We prove it to your examiner.
WHAT MANUAL COMPLIANCE COSTS
BSA/AML
$110,000 to $230,000 annually
BSA Officer compensation
AML software licenses
Annual independent review
Exam preparation
CRA DOCUMENTATION
80 to 120 staff hours per examination cycle.
Time spent reconstructing evidence that should have been
self-generating.
These costs exist because federal statute requires Compliance Reporting.
§228.12(h)(2) has held for 30 years.
Clinton. Bush. Obama. Trump I. Biden. Trump II.
The 2023 CRA rollback did not touch it.
A CONTINUOUS CRA RECORD CANNOT BE REBUILT.
CONTINUOUS CRA DOCUMENTATION
Years of timestamped activity. Quantity verified. Geography confirmed. LMI status logged.
Examiners see a community development program.
RETROACTIVE CRA RECONSTRUCTION
Assembled 60-90 days before the examination.
Examiners see exam prep. Not a community development program.
Reduce CRA reporting time by 90%: 80 -120 hrs → 8 -12 hrs
WHERE DO YOU WANT TO START?
START WITH CRA
CRA exam within 18 months?
§228.12(h)(2) documentation generated in real time.
START WITH COMPLIANCE
- BSA/AML monitoring.
- Continuous coverage.
- Immutable audit trail.
- Succession-proof program.
START WITH DIGITAL BANKING
Complete branded digital banking experience with built-in CRA documentation from day one.
WHEN YOUR BSA OFFICER LEAVES
The monitoring calibration, SAR filing judgment, and examiner relationship continuity walk out the door with them. At a mid-sized MDI, BSA/AML compliance lives inside one person's judgment. When that person leaves, for retirement, a competing offer, or burnout, the program becomes vulnerable at its foundation. Automated BSA/AML infrastructure does not give notice.
