Tag: BSA/AML

2 articles tagged “BSA/AML”

KYC Periodic Reviews and EDD Refresh at Commercial Banks: The Risk-Rated Cadence, the Adverse-Media Signal, and Where the AI Agent Actually Adds Time

The BSA/AML compliance program every commercial bank runs treats onboarding KYC as the ceremony and periodic KYC refresh as the graveyard shift. The FFIEC BSA/AML Exam Manual's expectations for ongoing customer due diligence, the risk-rated review cadence, and the enhanced due diligence obligations for higher-risk customers are the operational anchor for a periodic-refresh program that most banks run at a pace that lags the exam expectation. The AI agent's contribution to the refresh loop and where the human reviewer's judgment still has to be the answer.

Jul 10, 202613 min read

OFAC Sanctions Screening with AI Agents: The SDN List, Fuzzy Matching, and the 50 Percent Rule

Sanctions screening is strict-liability and the SDN list does not match cleanly. How we architect AI agents for name and identifier screening, beneficial-ownership traversal under the 50 percent rule, and hit disposition that survives an OFAC subpoena.

May 29, 20266 min read

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