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Transaction Monitoring & AML Case Automation

Finance – Anti-Money Laundering (AML) Operations

Problem Description

Fintechs must continuously detect, investigate, and report suspicious activity across high-volume transactions. Manual rule checks, sanctions screening, and narrative-quality SAR drafting are slow and inconsistent. A coordinated network of Syncloop-powered agents automates end-to-end AML: risk signals from activity streams, sanctions/PEP/adverse-media screening, network analysis, case triage, and SAR narrations—while maintaining a clean audit trail.

How It Works

Specialized agents run in parallel via Syncloop. A Monitoring Manager orchestrates transaction ingestion and alert creation, a Screening Agent handles sanctions/PEP/adverse media, a Graph/Network Analyst studies entity linkages, an Investigator synthesizes context, a Regulatory Specialist validates thresholds/rules, and a Reporting Agent drafts SARs with citations. APIs coordinate tasks and data exchange, culminating in a complete, auditable case package.

Who can use this

  • AML compliance teams and BSA Officers.
  • Risk Ops & Fraud/Financial Crime units.
  • RegTech builders and data teams.
  • Internal audit and second-line risk.
  • AI platform engineers.

Benefits

  • Continuous monitoring with fewer false positives.
  • Faster investigations and SAR turnaround.
  • Standardized decision logs and evidence packs.
  • Adaptive rules informed by feedback and typologies
  • Easy scaling to peak volumes

Agents Required

Agent Name: Monitoring Manager Agent
Role & Capabilities: Oversees transaction ingestion, alert generation, and workflow routing using Syncloop APIs. Manages system orchestration, assigns analysis tasks, and tracks alert lifecycle for SLA compliance.
Agent Name: Sanctions/PEP/Adverse-Media Screening Agent
Role & Capabilities: Performs sanctions, PEP, and adverse media screening against OFAC, EU, and UN databases. Flags potential high-risk entities and provides contextual scoring with detailed match reasoning.
Agent Name: Graph & Network Analysis Agent
Role & Capabilities: Analyzes entity relationships to uncover hidden money flows and suspicious link patterns. Performs entity resolution and typology-based graph exploration for complex investigations.
Agent Name: AML Investigator Agent
Role & Capabilities: Aggregates alerts, screening results, and transaction histories into cohesive cases. Builds timelines, adds analyst notes, and generates recommendations for case escalation or closure.
Agent Name: Regulatory Knowledge Specialist Agent
Role & Capabilities: Fetches up-to-date AML, BSA, and FATF compliance standards. Validates whether case findings meet reporting thresholds and provides citation-based policy references.
Agent Name: SAR Drafting & Reporting Agent
Role & Capabilities: Generates structured SAR drafts using inputs from all agents. Compiles narratives, attaches supporting evidence, and prepares regulator-ready submission files with audit logs.

Syncloop API Usage

Endpoint Method Input Parameters Output Format
/monitor/ingest POST {"batchId":"B123","transactions":[...]} {"ingested": true, "count": 2500}
/alerts/generate POST {"batchId":"B123","ruleset":"v4.2"} {"alerts":[{"id":"AL-001","score":0.92},...]}
/screen/entity Media Agent Posts {"alertId":"AL-001","entity":{"name":"...","dob":"...","country":"..."}} {"hits":[...], "pepTier":"2","adverseScore":0.67}
/graph/explore POST {"alertId":"AL-001","seedAccounts":["A123"],"depth":3} {"clusters":[...], "pathPatterns":[...]}
/case/assemble POST {"alertId":"AL-001","evidence":["screening","graph","txnSummary"]} {"caseId":"CASE-0091","timeline":[...]}
/regulation/validate Specialist GET {"topic":"CTR/SAR thresholds","jurisdiction":"US"} {"citations":[...],"notes":"Thresholds met: yes"}
/sar/draft Reporting Agent POST {"caseId":"CASE-0091","include":["timeline","counterparties","citations"]} {"sarId":"SAR-2025-113","previewUrl":"https://..."}
/sar/submit POST {"sarId":"SAR-2025-113","channel":"FinCEN"} {"status":"Submitted","receipt":"FCN-..."}

Flow Summary

  1. Transactions ingested and alerts generated.
  2. Entities screened for sanctions/PEP/adverse media.
  3. Graph exploration surfaces patterns (structuring, smurfing, mule networks).
  4. Investigator compiles evidence and recommends disposition.
  5. Regulatory Specialist validates policy thresholds and citations.
  6. SAR Agent drafts and submits SAR with attachments.
  7. Manager closes case; artifacts stored for audit.

Optional Enhancements

  • OCR Agent for image/PDF statements and IDs.
  • Anomaly Detection Agent (unsupervised/LLM-assisted).
  • Feedback-Learning Agent to tune rules and models.
  • Dashboard & SLA telemetry for Ops.

Ideal (Key Performance Indicator) KPIs to Measure Success

  • Alert-to-Case Conversion Rate (target: +20% precision)
  • False Positive Rate (target: < 30% of baseline)
  • Median Case Handling Time (target: −50%)
  • SAR Turnaround Time (target: < 24 hours)
  • Narrative Quality Score (reviewer-rated > 4.5/5)
  • Evidence Completeness (checklist pass > 95%)
Deploy This Template

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Who Can Use This
  • ML and Compliance Teams
  • Financial Crime & Risk Analysts
  • RegTech Developers
  • Internal Audit and Governance Units
  • Fintechs and Banks
Key Benefits
  • Automated Monitoring:

    Continuously tracks transactions and detects suspicious patterns in real time.

  • Reduced False Positives:

    Uses multi-agent intelligence to refine risk scoring and minimize manual reviews.

  • Faster Investigations:

    Streamlines alert handling and SAR generation through coordinated agent workflows.

  • Regulatory Confidence:

    Maintains complete audit trails aligned with BSA, OFAC, and FATF guidelines.

  • Scalable Architecture:

    Easily adapts to increasing data volumes and evolving compliance demands.

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