Model your institution's specific case mix, analyst rates, and compliance complexity. Solution cost shown in full — no hidden denominator.
Pre-filled with industry benchmarks. Change any number and results update instantly above.
| Scenario | Type | Monthly Volume ✦ | Analyst Time (hrs) | BSA Officer (hrs) | API Cost/Case ($) | After: Analyst (hrs) | After: BSA (hrs) |
|---|---|---|---|---|---|---|---|
| CDD Standard Retail | AUTO | Benchmark: 500 | 0.5 hrs | 5 min | $5 | 70% auto-clear | ↑ HITL cases: BSA reviews full dossier |
| EDD High-Risk PEP | HITL | Benchmark: 30–100 by type | 4.5 hrs | 45 min | $25 | Agent handles | ↑ Longer than before — agent pre-packages full dossier for BSA review. Total BSA cost drops because 70% of CDD cases never reach BSA at all. |
| AML Structuring SAR | SAR | Benchmark: 25 | 4.0 hrs | 60 min | $12 | Agent handles | 60 min review |
| OFAC SDN + PEP Complex | SAR | Benchmark: 10 | 4.5 hrs | 90 min | $32 | Agent handles | 75 min review |
| CTR + Cross-Border SAR | SAR | Benchmark: 15 | 4.0 hrs | 75 min | $12 | Agent handles | 60 min review |
| pKYC Periodic Review | HITL | Benchmark: 100 | 3.8 hrs | 30 min | $9 | Event-driven elim. | 20 min review |
This calculator models efficiency gains and partial revenue/risk uplift. The following real value components are not calculated and must be assessed separately with your CCO and CRO:
Illustrative. Actual results vary by institution, alert volume, case mix, regulatory environment, and operating model. Benchmark figures derived from FFIEC examination statistics and industry publications. Not a performance guarantee.
| Assumption | Default Value | Source / Basis |
|---|---|---|
| CDD auto-clear rate | 65% | CAIBots pilot average; range 50–80% by institution type |
| AML alert false-positive rate (before) | 85% | FinCEN / FFIEC examination benchmarks; industry range 70–95% |
| Labor loaded cost factor | 1.35× | Standard fully-loaded rate (benefits + overhead); adjust per your HR data |
| Labor realization factor | 75% | Industry standard: not all freed hours convert to savings (admin, ramp, retraining) |
| Year 1 benefit ramp | 70% | Reflects 3–9 month shadow mode and validation before full deployment |
| Regulatory penalty probability | User-defined (default 15%) | Probability-weighted EV; institution-specific; verify with your CCO/CRO |
| Revenue attribution factor | User-defined (default 30%) | Fraction of onboarding improvement attributable to KYC/AML workflow; conservative |
| WACC (NPV discount rate) | 8% | Typical mid-tier bank WACC; adjustable in cost section |
For informational and illustrative purposes only. This calculator generates forward-looking financial estimates based solely on the inputs you provide. It does not constitute financial advice, investment advice, legal advice, or a binding commercial commitment. CAIBots makes no representation or warranty, express or implied, as to the accuracy, completeness, or fitness for any particular purpose of outputs generated by this tool.
Actual results will vary. Projected savings, ROI, payback periods, IRR, and NPV are estimates derived from user-supplied inputs and publicly available industry benchmarks. They are not guarantees of future performance. Realized benefits depend on actual transaction volumes, staffing levels, integration complexity, regulatory environment, model validation timelines, and organizational factors not fully captured by any calculator.
Financial methodology. ROI = (Net Annual Benefit − Total Annual Cost) ÷ Total Annual Cost. Payback via cumulative monthly cash-flow simulation; Year 1 benefit ramp default 70% (adjustable). IRR uses Newton-Raphson iteration on a 5-year cash-flow series: Year 0 = one-time implementation cost only; recurring platform and API fees deducted from each future year. IRR figures for SaaS models are directional — a small one-time Y0 capex relative to large recurring savings produces high percentages. Compare to your internal hurdle rate; do not interpret absolute value. 3-Year NPV discounted at 8% WACC (adjustable). Nominal USD; no inflation adjustment.
Sensitivity scenarios. Conservative: −20% volume · 70% of benchmark savings · +15% cost · 60% Year 1 ramp. Optimistic: +20% volume · 100% benchmark savings · base cost · 80% Year 1 ramp. These parameters are identical across all CAIBots ROI calculators to enable consistent cross-product comparison.
Benchmark sources. Default inputs derived from: FFIEC examination statistics, FinCEN SAR/CTR annual reports, NACHA ACH network data, Celent/Aite-Novarica/Oliver Wyman industry surveys, and aggregated anonymized data from CAIBots client engagements. CAIBots strongly recommends replacing defaults with your institution’s own volume, cost, and rate data before presenting results to executive leadership, boards, or procurement committees.