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Production System Architecture · V4.0 · Confidential

CAIBots KYC/AML
Agentic AI Architecture

Full production system — trigger events through BSA Officer decision. 7 parallel sub-agents, 5 peer data sources, mandatory human-in-the-loop on every critical action.

Onboarding
Perpetual KYC
Transaction Monitoring
Orchestrator / Core
Data & Synthesis
Mandatory HITL Gate
BSA Officer Output
Existing AML Platform
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
4.5hr→55min
EDD Review
Time Reduction
90min→12min
CDD Review
Time Reduction
60–70%
pKYC Workload
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

PCATS · Five-Plane Governance Model · KYC/AML Instantiation
Cognition proposes, Control governs, State remembers.
COGNITION
Seven compliance agents draft the candidate assessment — risk dimensions, typology matches, SAR narrative. Proposals only; nothing executes from this plane.
CONTROL
Versioned, hashed policy gate (KYC-2026.07) maps score + findings to AUTO-CLEAR / EDD / DUAL-REVIEW / BLOCK / SAR-TRIGGER / COMMITTEE. Structural gates — SAR dual review, sanctions dual sign-off, mandatory rationale — cannot be configured away. Generated narratives pass a numeric-grounding check before any filing path.
COORDINATION
Durable DAG orchestration: parallel agent dispatch, deadline clocks (SAR 30-day · OFAC 10-business-day · 314(a) 14-day), SLA escalation to CCO, committee routing.
ACTION
Idempotency-keyed writes to case management / ECM / filing queues, with compensation on failure — rollback, then same-key retry, no duplicates. Demonstrated live on the OFAC block path.
STATE
Candidate assessment frozen and hashed BEFORE the gate; hash-chained decision ledger; post-write S(t+1) validation; 5-year retention per 31 C.F.R. §1020.430.
PCATS Mapping · Governance Instruments
Every instrument in the live estate sits on a named PCATS plane. Policy: the versioned, fingerprinted pack (KYC-2026.07 #d3083beb84) with rules-as-data and the ⚖ Sandbox’s locked statutory controls. Control: HITL gates per outcome (analyst concurrence · dual review · 4-eyes · committee), holds enforced at the Control Plane, state snapshots sealed BEFORE gates. Audit: the hash-chained ledger, [risk@1.0] derivation lines, and the ⬇ Case Binder export. Traceability: SAR grounding (every figure matched to case evidence) and ⛨ client-side reproduction of chain, derivations, and grounding. Safety: deterministic block lanes, list-delta re-screen triggers, rule tuning routed through SR 11-7 — never auto-applied. Eleven scenario lanes, one architecture.