Onboarding
Perpetual KYC
Transaction Monitoring
Orchestrator / Core
Data & Synthesis
Mandatory HITL Gate
BSA Officer Output
Existing AML Platform
① Existing AML Platform (Actimize / Verafin / Fiserv) — Bidirectional Integration
Your Existing Stack · Unchanged
AML Platform — Bidirectional Integration
CAIBots plugs in as an intelligence layer. Your existing workflows, rules, and risk scores are unchanged. Alert payload → CAIBots. CAIBots output → your case management system.
Actimize
Verafin
Fiserv
Your Rule Engine
Case Mgmt
② Three Trigger Horizons — Running Simultaneously
Horizon 1 · Onboarding
New Customer / Entity Event
New application · BO added · Signatory change · Product upgrade · New correspondent
Horizon 2 · Perpetual KYC
Event-Driven Risk Monitoring
Risk drift >15pts · Adverse media · Sanctions hit · Velocity change · Ownership change · 60–70% workload reduction vs. periodic reviews
Horizon 3 · Transaction Monitoring
AML Rule Engine Alert
TM alert · CTR >$10K · Structuring flag · HRJ wire · 52 FATF typology match
③ Orchestrator — Normalizes Event · Dispatches All 7 Agents in Parallel
CAIBots · Core Orchestrator
LLM Orchestration Engine
Normalizes the trigger event into a structured case record. Dispatches all 7 sub-agents simultaneously — not sequentially. Synthesizes all agent outputs. Routes to SDD (Score <30) · CDD (30–65) · EDD (>65 or PEP/sanction adjacent). pKYC review cadence: High-risk 12mo · Medium 24mo · Low 36mo. Manages the HITL gate queue for the BSA Officer.
Claude / GPT-4o Configurable
LangGraph · AutoGen · ReAct
LangChain Orchestration
Parallel Dispatch
Weighted Synthesis
Audit Trail
Conflict Resolution
④ 7 Specialized Sub-Agents — All Running in Parallel
IAL-IDENT
Identity Verification
Jumio · Onfido · IDEMIA · Socure · Alloy
UBO-CHAIN
Beneficial Ownership
D&B ORBIS · OpenCorporates · FinCEN BOI
ADV-MEDIA
Adverse Media
Dow Jones · Refinitiv · LexisNexis · ComplyAdvantage
5-DIM RISK
Risk Scoring
Synthesized · 5 Dimensions · 0–100 Score
OFAC-SANC
Sanctions Screening
OFAC SDN · EU Consol. · UN · HMT · World-Check
FATF-52TM
Transaction Monitoring
Actimize · Verafin · Fiserv · 52 Typologies
REG-DOCS
Regulatory Documentation
FinCEN BSA E-Filing · OpenText ECM · LangChain
⑤ 5 Peer Source Tools — Parallel Execution · No Hierarchy
[VECTOR-RAG]
Regulatory Playbooks
Pinecone + pgvector
FinCEN · FFIEC · FATF · OFAC
Chunk-level RAG citation
FinCEN · FFIEC · FATF · OFAC
Chunk-level RAG citation
[API-CALLS]
Live Screening APIs
Jumio · OFAC SDN
World-Check · D&B ORBIS
FinCEN BOI Registry
World-Check · D&B ORBIS
FinCEN BOI Registry
[SQL-DB]
Customer Intelligence
Snowflake Data Warehouse
36-month Tx history
Behavioral patterns
36-month Tx history
Behavioral patterns
[KNOW-GRAPH]
Ownership & Networks
Neo4j AuraDB Enterprise
UBO chains · PEP networks
2-hop risk propagation
UBO chains · PEP networks
2-hop risk propagation
[MEMORY]
Compliance Intelligence
4-Tier: In-Weights (fine-tuned on closed KYC cases)
Redis Long-Term · In-Context
KV Cache TTL 1hr · pKYC drift tracking
Redis Long-Term · In-Context
KV Cache TTL 1hr · pKYC drift tracking
⑥ Synthesis Engine — Weighted Conflict Resolution · Risk Tier Routing
Orchestrator · Synthesis Engine
Weighted Output Synthesis & Risk Tier Routing
All 7 agent outputs synthesized. Conflicts resolved through weighted scoring. Final composite risk score 0–100. Auto-routed to SDD / CDD / EDD based on BSA Officer-calibrated thresholds.
SDD: Score <30 → Auto-Clear
CDD: Score 30–65 → Analyst Review
EDD: Score >65 or PEP/Sanction Adjacent → HITL Mandatory
⑦ Mandatory Human-in-the-Loop — BSA Officer Gates · Cannot Be Bypassed
🔴 Mandatory HITL Gates — All Require BSA Officer Authorization Before Action
The system cannot override a human — only the reverse. No SAR is filed, no account is exited, no sanctions hit is resolved without explicit BSA Officer authorization. Every decision is timestamped and immutably logged.
EDD Determination
Approve onboarding, request docs, or decline. Cannot proceed without BSA Officer decision.
SAR Filing Approval
BSA Officer reviews, signs, and submits via FinCEN BSA E-Filing. Agent never submits. SAR clock: 30-day. CTR clock: 15-day.
Customer Exit
Authorize exit letter. Confirm no tipping-off violation under 31 U.S.C. §5318(g)(2).
Sanctions Hit Resolution
Immediate block, OFAC blocking order, 10-day report. All actions timestamped.
Correspondent De-Risking
BSA Officer judgment governs significant correspondent bank relationship decisions.
⑧ Examination-Ready Outputs — Archived to ECM · BSA Officer Is Filer of Record
CDD / SDD File
Customer Due Diligence File
Auto-generated, exam-ready CDD memo. 5-source evidence chain. FinCEN CDD Rule compliant. Archived to OpenText ECM.
EDD Memorandum
Enhanced Due Diligence Memo
Full EDD memorandum with UBO diagram, adverse media dossier, PEP network map, regulatory citations. BSA Officer sign-off.
SAR / CTR Filing
FinCEN SAR + CTR
FinCEN Form TD F 90-22.47 pre-populated. CTR Form 104 auto-populated. BSA Officer signs and submits. 30-day clock tracked (60-day if subject unknown · 90-day continuing activity cycles). CTR auto-populated within 15 calendar days of qualifying cash transaction.
Audit Trail
Immutable Audit Log
Every agent output, data source, regulatory citation, reasoning step, and HITL decision timestamped. Reproducible within 24 hrs of examiner request. MRA/MRIA remediation deadlines tracked in real time — escalates at T-14 days.
Key Architecture Principles
Parallel, Not Sequential
All 7 agents dispatch simultaneously. All 5 source tools execute in parallel. No agent waits for another. Agent pipeline runtime: <10s. Full case resolution (including BSA Officer HITL): 45–90 min.
Equal-Authority Sources
No source tool has precedence over another. Conflicting signals trigger weighted synthesis, not override. Every conflict is logged and traceable.
Zero Autonomous Filing
The system never files a SAR, never exits a customer, never blocks an account without a named BSA Officer authorization. HITL gates are hardcoded, not configurable.
70%+
SDD Auto-Clear
Target
Target
4.5hr→55min
EDD Review
Time Reduction
Time Reduction
90min→12min
CDD Review
Time Reduction
Time Reduction
60–70%
pKYC Workload
Reduction
Reduction
Book the Architecture Call
In a 30-minute architecture session we map this pipeline to your AML platform, data infrastructure, and compliance team workflow. A scoped 90-day production pilot can begin within two weeks of that session.
contact@caibots.com · +1 (609) 721-2815 · caibots.com · Princeton, NJ