Compliance Native SR 11-7BSA / AMLFINRA / OCCDodd-FrankGDPRSOC 2Basel IIIFair LendingDORA
Financial Services Execution Stack

Financial Services AI That
Executes Work.

KYC / AMLCredit UnderwritingRegulatory FilingFraud Detection

Governed, auditable AI agents working directly inside your core banking, CRM, and compliance systems — not alongside them. KYC alerts closed in under 4 minutes. Credit decisions executed with full audit trail. Zero missed SAR thresholds.

<4minKYC alert to resolution
65%Compliance cycle reduction
$2.4M+Modeled savings per 10K cases
<90dContract to production
<4min
KYC re-score to resolution
65%
Compliance cycle reduction
100%
Audit trail on every execution
Zero
Missed SAR threshold alerts
<90d
Contract to production

The Shift

What changes when CAIBots
closes a KYC alert.

A single EDD alert on a mid-tier correspondent banking relationship — before and after. Same analyst. Same threshold. Different execution model.

Before CAIBots
EDD alert — correspondent bank, ownership structure updated in GLEIF registry
BSA analyst manually pulls entity record from core KYC system — 8 minutes
Cross-references OFAC SDN list, UN consolidated list, FinCEN 314(a) — 11 minutes
Runs adverse media search, documents PEP status of beneficial owners — 9 minutes
Writes risk memo, determines escalation threshold, routes to BSA Officer — 10 minutes
Logs decision in compliance DB, updates Salesforce relationship record — 7 minutes
⏱ Total: 45 minutes per alert — at $85/hr BSA analyst rate
After CAIBots
Same alert. CAIBots executes the full review at the moment of detection.
Entity record pulled, ownership structure updated, GLEIF change verified — automated
OFAC, UN, FinCEN 314(a) cross-referenced simultaneously, match confidence scored — automated
Adverse media search executed, PEP classification updated, risk tier recalculated — automated
Escalation threshold assessed, SAR pre-filing initiated if threshold breached — automated
BSA Officer receives decision package with full SR 11-7 compliant rationale for sign-off — automated
✓ Total: Under 4 minutes — analyst reviews, not researches
91%
Time reduction per KYC alert
$2.4M+
Modeled annual savings per 10,000 cases at $85/hr BSA analyst rate
100%
SR 11-7 compliant audit trail generated automatically

KYC / AML — Primary Execution Stack

Zero missed alerts.
Every threshold enforced.

KYC/AML operations is where the largest measurable ROI exists in financial services compliance. CAIBots automates the full detection-to-resolution workflow — analysts review decisions, not build cases.

KYC / AML Perpetual ScreeningBSA/AML · FinCEN

Entity changes trigger automatic re-scoring against sanctions lists, PEP databases, and adverse media. Remediation executed without human intervention until a configurable threshold is breached — then a complete decision package routed for BSA Officer review.

Trigger
Entity change detected — ownership structure updated in external registry
Cognition
Re-score risk profile, cross-reference OFAC/UN/FinCEN sanctions, classify PEP status, determine escalation threshold
Execution
Core KYC updated · Salesforce RM alerted · SAR System pre-file initiated · Slack BSA Officer notified
Output
Under 4 min end-to-endZero missed alertsSR 11-7 compliant
Regulatory Reporting & FilingFinCEN · FINRA · OCC

Regulatory deadlines trigger automated data aggregation, report generation, schema validation, and direct portal submission — with exception flagging and compliance officer notification for any anomalies before filing.

Trigger
Deadline approaching — T-1 CTR submission due to FinCEN portal
Cognition
Aggregate transaction data, validate completeness, identify exceptions, generate filing with decision rationale embedded
Execution
FinCEN Portal CTR submitted · DWH status updated · Outlook CCO confirmed · Case Mgmt exception log
Output
Filed on timeZero manual intervention100% audit trail
Credit Underwriting DecisionFair Lending · Dodd-Frank

From application submission to offer letter dispatch — CAIBots retrieves bureau data, applies policy-bound underwriting rules, routes for dual approval on high-value decisions, and executes the outcome directly into your LOS.

Trigger
Loan application submitted — credit decision requested
Cognition
Retrieve bureau data, apply policy-bound scoring, classify risk tier, check Fair Lending compliance, form decision with full rationale
Execution
LOS decision written · Salesforce updated · Outlook offer dispatched · Compliance DB rationale logged
Output
40% faster cycle timeFull rationale loggedECOA compliant
Institutional Client OnboardingFINRA · GDPR · SOC 2

High-value prospect identified — CAIBots classifies the entity tier, retrieves regulatory classification, assigns the correct onboarding protocol, and executes across CRM, compliance, and communication systems simultaneously.

Trigger
Institutional prospect — $250M AUM family office form submission
Cognition
Classify entity tier, identify FINRA suitability requirements, determine KYC protocol, assign relationship manager routing rules
Execution
Salesforce scored & tiered · Workday compliance task · Outlook welcome dispatched · Slack RM notified
Output
Routed in minutes100% compliance-boundAudit trail created

Live Demo Paths

Watch a KYC case close.
See a credit decision execute.

Production-accurate scenarios. Live system writes. Real SR 11-7 audit trails. Not a sandbox.

Demo 01
KYC/AML — Alert to Resolution in Under 4 Minutes
1
Entity change detected
Ownership update triggers re-screening across OFAC, UN, FinCEN 314(a)
2
Risk re-scoring
PEP status updated, adverse media searched, risk tier recalculated
3
Escalation assessment
Threshold checked, SAR pre-filing initiated if breach detected
4
System writes
Core KYC updated, Salesforce RM alerted, compliance DB logged
5
BSA Officer review
SR 11-7 decision package delivered. Sign-off recorded with full audit trail.
Demo 02
Credit — Application to LOS Decision
1
Application received
Loan application submitted, applicant data extracted, credit bureau queried
2
Policy-bound scoring
Risk tier classified, Fair Lending check executed, DTI/LTV assessed
3
Decision formation
Approval, decline, or counter-offer generated with full Reg B rationale
4
LOS execution
Decision written to LOS, offer letter dispatched via Outlook
5
Compliance record
Full HMDA/CRA/ECOA audit trail created. Adverse action notice generated if applicable.
Demo 03
Fraud Detection — Alert to P0/P1 Classification
1
Fraud signal detected
Transaction pattern flagged — wire ATO, synthetic identity, or BEC indicator
2
Typology classification
Signal scored across 10 fraud typologies, severity classified P0 or P1
3
BioCatch + SWIFT integration
Behavioral biometrics cross-referenced, SWIFT GPI payment status checked
4
Action execution
P0 wire held, P1 flagged for analyst. Fraud DB case created with evidence brief.
5
Analyst review
Fraud analyst receives complete case package. Reg E / NACHA audit record created.

Start Here

30-day deployment
entry points.

KYC/AML first — where the largest and most measurable ROI exists for financial institutions. Credit and regulatory filing follow with clear expansion paths.

Entry Point 1 — KYC/AML
KYC Alert Triage & Re-Scoring

Automate the manual review queue. Every incoming KYC alert triaged, risk-scored, and either auto-resolved or escalated with a full SR 11-7-compliant brief — eliminating analyst backlog, reducing false positive review time by up to 60%.

Live in 21–30 days
Entry Point 2 — Credit
Credit Decision Execution

Standard consumer credit applications below your policy threshold. CAIBots handles data retrieval, policy application, decision writing to your LOS, and offer letter generation — humans focus only on edge cases and high-value exceptions.

Live in 21–30 days
Entry Point 3 — Regulatory
Regulatory Filing Automation

Start with your highest-frequency recurring filing — CTR, SAR pre-filing preparation, or FINRA periodic reporting. Immediate compliance value with zero infrastructure risk. Data stays in your environment.

Live in 14–21 days

Agent Library

Pre-built financial services
execution agents.

Every agent production-ready. Configures to your core banking, CRM, and compliance systems in under 90 days.

Illustrative pricing shown. Ranges reflect typical mid-market bank and credit union deployments. Final pricing depends on transaction volume, integration complexity, compliance scope, and regulatory environment. Enterprise and outcome-based structures available. Schedule a scoping call for a deployment-specific quote.
🔍
KYCGuard™
End-to-end KYC/AML perpetual screening. OFAC, UN, FinCEN watchlists. SAR pre-filing. Writes directly to your core KYC system with SR 11-7 compliant audit trail on every execution.
$4,000 – $8,000 / month
Typical deployment for institutions processing 5,000–25,000 monthly KYC events with 4–15 BSA analysts.
Enterprise pricing scales by transaction volume, watchlist complexity, and core system integrations.
🚨
FraudDetect™
Real-time fraud detection across ATO, BEC, synthetic identity, elder exploitation, and ACH fraud typologies. P0/P1 classification and SOR routing under 90 seconds per alert. BioCatch + SWIFT GPI integration.
$4,500 – $8,000 / month
Typical deployment for banks with 2,000+ monthly alerts and existing fraud operations infrastructure.
Enterprise pricing scales by alert volume, typology coverage, and BioCatch/SWIFT integration scope.
📊
CreditAI™
Credit underwriting automation from application to LOS decision. Reg B, HMDA, CRA, SR 11-7 compliant. Dual approval gates for high-value decisions. Handles consumer through commercial credit.
$3,500 – $7,000 / month
Typical deployment for banks and credit unions processing 500–5,000 monthly credit applications.
Enterprise pricing scales by application volume, loan type complexity, and LOS integration scope.
🛡️
CompliCheck™
Automated regulatory compliance monitoring across BSA, FINRA, OCC, and GDPR. Policy breach detection, exception flagging, and examiner-ready control documentation generated automatically.
$3,000 – $5,500 / month
Typical deployment for mid-market banks and asset managers needing continuous compliance monitoring.
Enterprise pricing scales by regulatory framework coverage and monitoring frequency.
🤝
OnboardAI™
Institutional client onboarding with FINRA suitability scoring, KYC protocol assignment, and multi-system execution. Routes from prospect identification to welcome dispatch in minutes.
$2,500 – $4,500 / month
Typical deployment for wealth management and private banking teams onboarding 50–500 clients monthly.
Enterprise pricing scales by client volume, entity complexity, and CRM integration scope.
📄
FilingBot™
Regulatory filing automation for CTR, SAR pre-filing, FinCEN submissions, and FINRA reports. Aggregates, validates, generates, and submits — with full exception handling and immutable compliance records.
$2,500 – $4,000 / month
Typical deployment for institutions with 10+ recurring monthly regulatory filings across FinCEN and FINRA.
Enterprise pricing scales by filing frequency, regulatory scope, and portal integration requirements.
Pilot structure: Mid-market pilots start at $25K–$50K. Enterprise pilots at $50K–$150K. Includes workflow design, integration, governance setup, KPI baseline, and executive recommendation. 100% credited toward production deployment.
See Pilot Structure →

Compliance Architecture

OCC examiner-ready.
Every execution.

Compliance is not a documentation layer applied after deployment. It is the architecture that determines what can execute, how it executes, and what gets logged. For Financial Services, these frameworks are non-negotiable.

SR 11-7
Model Risk Management — Federal Reserve / OCC

Full model validation documentation, decision rationale capture, model performance monitoring, and drift detection — all generated automatically at the Governance Layer. Every execution produces an SR 11-7-compliant audit record.

Enforced at: Governance + Cognition layers
BSA / AML
Bank Secrecy Act · Anti-Money Laundering

Perpetual entity screening against OFAC, UN, and FinCEN watch lists. Automated CTR and SAR pre-filing workflows. Risk-based thresholds with configurable escalation gates. Every screening generates an immutable compliance record.

Enforced at: Execution + Governance layers
FINRA / OCC
Financial Industry Regulatory Authority

Suitability documentation, communication review logs, order handling records. All client-facing execution generates FINRA-compliant audit trails. Communications dispatched by the Execution Layer are classified, logged, and retrievable.

Enforced at: Governance + Execution layers
Dodd-Frank
Dodd-Frank Wall Street Reform Act

Volcker Rule compliance monitoring, systemic risk reporting, and consumer protection execution. Credit decisions include adverse action notices generated and filed automatically. Fair Lending analysis embedded in every underwriting execution.

Enforced at: Cognition + Governance layers
GDPR
General Data Protection Regulation — EU

PII access governed by RBAC at the Governance Layer. Automated right-to-be-forgotten workflow execution. Data residency enforced — European client data never leaves EU infrastructure boundaries when deployed on-premise.

Enforced at: Governance Layer · RBAC
Basel III / BCBS 239
Capital Adequacy · Risk Data Aggregation

Risk data aggregation with full lineage tracking. Capital calculation workflows write directly to your risk data warehouse with BCBS 239-compliant data quality indicators. Every execution tagged with source, timestamp, and transformation logic.

Enforced at: Foundation + Execution layers

Governance Matrix

Every decision boundary
enforced at the architecture layer.

An OCC or FCA examiner can pull this matrix on demand. No black boxes. Every material decision either auto-executes within policy bounds or routes to a named human approver with a full authorization record.

WorkflowTriggerGovernanceAuth RequiredReg Reference
KYC SDD — Low RiskEntity change · low risk scoreAuto-ExecuteNoneFFIEC BSA/AML
EDD — PEP AdjacencyPEP match · adverse media hitHITL GateBSA OfficerFFIEC Ch. 5.2
SAR Pre-FilingStructuring alert · threshold breachHITL GateBSA Officer31 CFR §5318(g)
OFAC SDN MatchSanctions list hit · exact matchAuto-BlockCompliance Mgr escalationOFAC Protocol
Credit — Auto-ApproveApplication below policy thresholdAuto-ExecuteNoneReg B · HMDA
Fraud P0 — Wire ATOHigh-severity ATO alert · P0 flagHITL GateFraud AnalystReg E · NACHA
Governance is not a documentation layer applied after deployment. It is the architecture that determines what can execute, how it executes, who must authorize it, and what gets logged — enforced at the system layer, not the UI layer. Review full governance architecture →

Built For

The leaders who own
financial services compliance.

BSA Officer / Chief Compliance Officer
Commercial Banks · Credit Unions · Asset Managers
"Our regulators want evidence that every AI model decision is governed and explainable. I need to show an OCC examiner exactly what executed, when, why, and who approved it — without manually pulling records from five different systems."
Every execution generates an immutable SR 11-7-compliant audit record — examiner-readable and exportable on demand
Governance matrix is the architecture, not a policy document — enforceable and auditable
BSA/AML, FINRA, and OCC compliance enforced at the architecture layer — not configured post-deployment
Full rollback capability with audit trail intact — no silent failures
See the governance architecture →
COO / Head of KYC Operations
Retail Banking · Wealth Management · FinTech
"I have a 30-person KYC team spending 70% of their time on false positive reviews that produce zero risk insight. I need to prove a 6-month ROI to the CFO before the next budget cycle. What does this actually look like in my org?"
KYC alert review time drops from 45 minutes to under 4 minutes — analysts handle judgment, not data gathering
ROI dashboards ship with every deployment — cost per execution, hours saved, cycle reduction from day one
65% reduction in compliance cycle time across active FS deployments
First workflow live in 21–30 days — measurable data before your next board presentation
See live execution demos →
CTO / Head of Enterprise Architecture
Enterprise Banks · FinTech
"We already have Salesforce, SAP, and a core banking platform running production workloads. I don't want a parallel AI system that creates a new integration headache or breaks when our schema changes."
Native connectors to Salesforce, SAP, Oracle, Workday — no middleware, direct API writes
On-premise and DePIN deployment — data never leaves your infrastructure boundary
Five-layer architecture with complete separation of concerns — full observability for your engineering team
Schema-aware connectors — data model changes handled at the Foundation Layer without workflow breakage
Review the platform architecture →
Chief Risk Officer / Head of Credit Risk
Regional Banks · Commercial Lenders
"Our credit decision cycle is 5 days for standard applications. Fintech lenders are approving in 24 hours. I need to close that gap without compromising risk discipline, Fair Lending compliance, or our SR 11-7 model governance posture."
Standard applications below your policy threshold auto-approved with full Reg B rationale — same risk discipline, faster execution
Dual approval gates enforced for high-value and edge-case decisions — not bypassed, not configurable out
Fair Lending analysis embedded in every underwriting execution — HMDA, CRA, ECOA compliant
Credit decision cycle from 5 days to same-day for standard applications
See credit underwriting demo →

Next Step

Watch a KYC alert close
in under 4 minutes.

30-minute session. We map your highest-value FS workflows, demonstrate a live KYC or credit system write, and scope a 90-day production path — no consulting engagement required.

Princeton, NJ · contact@caibots.com · +1 (609) 721-2815
ComplianceSR 11-7BSA / AMLFINRA / OCCGDPRSOC 2Dodd-FrankBasel IIIEU AI ActDORA