Tag: BSA

4 articles tagged “BSA”

Whose Money Is It, and Can You Prove It: Verifying Gift Funds and Down-Payment Assistance With an AI Agent Under Fannie B3-4.3-04

A gift toward the down payment is the one place in asset verification where the paper trail and the relationship both have to hold, and where the sourcing question quietly becomes a Bank Secrecy Act question. How we build an agent that documents the donor, the transfer, and the availability of funds, tells a personal gift apart from a gift of equity and a DPA second, and knows the exact point at which it stops verifying and escalates to a human.

Oct 27, 20266 min read

Mortgage Fraud Detection at Origination: What an AI Agent Can Flag, What It Cannot Decide, and Where the SAR Obligation Starts

Most origination fraud is not a forged document, it is a set of facts that are each plausible and collectively wrong: an owner-occupancy claim that does not fit the file, an employer that only exists on paper, a gift that is really a loan. Where an AI agent reads the whole file for the pattern instead of each document in isolation, what FinCEN's mortgage AML rule and the Red Flags Rule actually require, and the line between a fraud flag and a fraud determination.

Aug 25, 20266 min read

The Large Deposit Question: Verifying Assets With an AI Agent Under Fannie Mae B3-4.2-02, and Where Asset Sourcing Meets the Bank Secrecy Act

Asset verification looks like adding up account balances and is actually a sourcing investigation. The 50 percent large-deposit rule, funds that have to be the borrower's own, gift documentation, and the point where an unexplained deposit stops being an underwriting condition and becomes a source-of-funds question a regulated lender cannot ignore. Where an AI agent reads bank statements, what it flags, and the line between an eligibility problem and an AML problem.

Aug 21, 20267 min read

AI Agents for BSA/AML: SAR Narratives, Transaction Monitoring Tuning, and the New Examiner Bar

How banks and credit unions can use AI agents inside BSA/AML programs — covering SAR narrative drafting, alert triage, transaction monitoring tuning, and the FinCEN and FFIEC controls examiners expect to see.

May 15, 20267 min read

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