BankGuard combines five real-time AI scoring engines, a built-in analyst case queue, and automated SAR draft generation — purpose-built for BSA compliance teams and risk officers at community and regional banks.
Your team receives hundreds of system alerts a week. Most are noise — but every one must be reviewed. The cost of a missed SAR far exceeds the cost of the wasted time.
A well-structured SAR narrative requires hours of research, cross-referencing, and careful writing. BSA examiners expect precision. The deadline doesn't move.
Structuring, account takeover, and ACH fraud increasingly mimic normal customer behavior. Rule-based systems catch what you already know. What you don't know is what gets filed against you.
BankGuard scores every transaction across five independent AI engines simultaneously — fraud probability, customer risk, BSA/AML compliance, behavioral anomaly, and predictive risk. Each decision is explainable: analysts see exactly which signals drove the score. No black boxes. No waiting for batch reports.
When a case is dispositioned as suspicious, BankGuard drafts a FinCEN-format SAR narrative covering the five W's — who, what, where, when, why, and how — using the full case evidence as input. Analysts review and refine; they don't start from a blank page. Filing remains in human hands, as BSA regulations require.
Every flagged transaction becomes a case with a priority level and a countdown clock. CRITICAL cases (highest fraud score) carry a 4-hour SLA; lower-priority cases scale accordingly. Nothing falls through the cracks. Supervisors see queue health in real time.
When an analyst dispositions a case — confirmed fraud or false positive — that judgment feeds directly back to the AI engines. BankGuard gets more accurate for your specific customer base and transaction patterns over time. The system learns your institution.
BankGuard works with FIS Horizon, Fiserv DNA, Jack Henry SilverLake, and any standard RDBMS. Four integration depths — choose what fits your risk posture and technical environment.
BankGuard connects read-only to your core system and monitors risk in the background. No change to your transaction processing. Start here.
Near-real-time monitoring with 1-minute polling. Alerts surface faster; your core system is unchanged.
Your core system sends transaction data to BankGuard at processing time. BankGuard responds asynchronously — your processing is never delayed.
BankGuard approves or blocks transactions inline, in under 500 milliseconds. The highest level of fraud prevention; requires closer integration with your core.
No agents. No hardware. No professional services engagement to start.
Every decision, analyst note, escalation, and disposition is recorded in an immutable timeline. Nothing is edited after the fact.
Each AI engine is documented under SR 11-7 guidance: intended use, limitations, performance metrics, and validation schedule. Examiners ask; you answer.
Every SAR starts as a draft, moves to reviewed, and is marked filed by a human. The chain of custody is clear. Auto-filing is never allowed.
We configure a 30-day proof-of-value trial against a sample of your real transaction data — or our demo dataset if you prefer. You see the scores, the cases, and the SAR drafts before you commit to anything.