AML & SAR Automation Hub

Principal workflows

• Monitor: Transactions from your core and payment systems are scored against detection scenarios and models for structuring, layering, rapid movement of funds and activity that is unusual for the customer's profile.
• Triage: Alerts are grouped by customer in a single queue, each showing why it fired and the related activity, so analysts close obvious false positives quickly and escalate the rest.
• Investigate: A case brings together the transaction timeline, counterparties, earlier alerts and cases, customer due-diligence data, notes and attachments. The decision to close or escalate is recorded with its rationale.
• Report: For escalated cases the Hub drafts the SAR from the case data, with a narrative structure for the investigator to complete. A second person approves it, and the Hub tracks the filing deadline and continuing-activity reviews.

Who uses it

• BSA/AML officers and investigators at banks and credit unions
• AML analysts who triage alerts day to day
• Compliance leadership who answer for the program
• Model risk and analytics teams who tune detection scenarios
• Internal audit and examiners, who need evidence of every decision

Reporting

• Alert volumes and outcomes by scenario, for tuning and board reporting
• Open alerts and cases by age, team and analyst
• SARs filed, pending approval and approaching their deadline
• Continuing-activity reviews due
• Quality review results by analyst and scenario
• Scenario and threshold change history for examiners

Features

• Explainable alerts: Every alert shows the scenario or model factors that produced it, in words an examiner can follow.
• Threshold testing: Test a change to a scenario or threshold against historical data before it goes live, and keep the result as tuning evidence.
• Case management: Assignment, due dates, notes, attachments and a four-eyes approval step before any SAR leaves the team.
• SAR drafting: Subject, activity, amounts and dates pre-filled from the case, with a narrative template that follows FinCEN's guidance on what a narrative should cover.
• Deadlines and continuing activity: Filing deadlines counted from the date of detection, and reminders for continuing-activity reviews on filed cases.
• Exam-ready audit trail: Who did what, when and why, for every alert, case and report, exportable for internal audit and examiners.
• Customer risk view: Each customer's risk rating, due-diligence data, beneficial owners and alert and case history on one screen.
• Scenario library: Detection scenarios for structuring, rapid movement of funds, layering through related accounts, dormant-account activity and profile deviation, each documented with its logic and thresholds.
• Alert quality review: Sample closed alerts for second review, record the outcome, and see where analysts disagree.
• Section 314 matching: Search customers and transactions against 314(a) request lists and record the result of each search.
• Workload management: Queues by team, assignment rules and views of open work by age, so managers can balance the load.
• Document management: Supporting documents, research and correspondence stored with the case and retained under your retention schedule.

Integrations

• Core banking and payments: Transactions, accounts and customers by scheduled file transfer or API, mapped during implementation.
• Customer due diligence: Customer risk ratings and KYC/CIP data from your onboarding system, including Moraph's Digital Member Onboarding.
• Sanctions screening: Results from the screening system you already use can be attached to cases.
• Wire and ACH systems: Payment details such as originators, beneficiaries and counterparties, so cases show who sent money to whom.
• BSA E-Filing: Approved SARs are exported in the batch format accepted by FinCEN's BSA E-Filing System for your team to submit.
• Single sign-on: Staff sign in through your identity provider (SAML or OpenID Connect).
• Work API: Case and alert data available to your data warehouse and reporting tools through the Moraph Work API.
• Model risk management: Scenario and model documentation shared with Moraph's Model Risk Management (MRM) Validator or your own model inventory.

Deployment

• Moraph cloud: Hosted and operated by Moraph in the United States region. United Kingdom and Australia regions are available for institutions outside the US.
• Dedicated environment: A single-tenant environment for institutions whose policies require isolation, scoped in the proposal.
• With a managed service: Optionally run alongside a Moraph managed service for scenario tuning support and platform administration.

Security and privacy

• Single sign-on: Staff sign in through your identity provider, so your password and multi-factor policies apply.
• Role-based access: What each person can see and do follows their role; approving a SAR is separate from drafting one.
• Restricted SAR information: Access to SARs and the fact that one was filed is limited to the roles you choose, supporting SAR confidentiality.
• Encryption and keys: Client data is encrypted, with keys Moraph staff cannot use without explicit, time-bound authorization.
• Complete audit trail: Every view, change, decision and export is logged with the person and time, and cannot be edited.
• Data residency: Data stays in the hosting region you choose: the United States, the United Kingdom or Australia.

Limitations

• The Hub does not file reports itself. A person at your institution reviews, approves and submits each SAR through BSA E-Filing.
• Detection depends on the completeness and quality of the transaction and customer data you provide. Scenarios and thresholds are tuned to your data during implementation and should be reviewed periodically.
• It is not a sanctions screening engine. It uses results from the screening system you already have.
• It is designed for US Bank Secrecy Act requirements and FinCEN reporting. Suspicious-activity reporting in other countries is not included.
• It does not file Currency Transaction Reports or other BSA reports besides SARs.
• It does not perform customer onboarding or identity verification; it uses the due-diligence data your onboarding process produces.
• Scenario thresholds and model changes are your institution's decisions; the Hub records and tests them but does not approve them.
• Real-time blocking of payments is not included; monitoring works on transactions after they are recorded.

Next steps

Book a demonstration or a technical briefing at www.moraph.com/solutions/aml-sar-automation-hub. Purchasing routes and company information: www.moraph.com/how-to-buy.