AML & SAR Automation Hub

The AML & SAR Automation Hub monitors transactions for structuring, layering and other suspicious patterns, and turns alerts into cases your investigators can work. It drafts the FinCEN Suspicious Activity Report from the case, so your BSA officer reviews, approves and files it. Every alert, decision and report keeps its reasoning and evidence, ready for internal audit and examiners.

The problem it solves

Most BSA/AML teams work across a monitoring system that produces alerts without context, spreadsheets that track cases, and a separate process for writing and filing SARs. Analysts spend their time gathering transactions and customer files rather than judging them, false positives crowd out the cases that matter, and filing deadlines are tracked by hand. When examiners ask why an alert was closed or how a threshold was set, the answer is spread across emails, notes and memory.

Who it’s for

• 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

1. MonitorTransactions 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.
2. TriageAlerts 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.
3. InvestigateA 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.
4. ReportFor 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.

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.

AML analyst

Works alerts in the queue, closes or escalates them with a reason, and adds notes

Investigator

Works cases, gathers evidence, drafts SARs and recommends filing decisions

BSA officer

Approves filing decisions and SARs, manages scenarios and thresholds, and sees the whole program

Quality reviewer

Reviews samples of closed alerts and cases and records findings

Model and analytics staff

Runs threshold tests and documents tuning, without access to approve SARs

Auditor or examiner (read-only)

Views alerts, cases, reports and the audit trail, with no ability to change them

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.

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.

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.

Data mapping

We map your core, payment and customer data to the Hub's model and agree the file or API schedule. We need data extracts and a contact from your core-system team.

Scenario configuration

Detection scenarios and thresholds are set for your products, customer base and risk assessment, and documented for your model risk process.

Historical testing

Scenarios are run against historical data and the results reviewed with your BSA officer before any threshold is approved.

Workflow and roles

Queues, assignment rules, reason codes, approval steps and roles are configured to match your procedures.

Parallel run

Where you are replacing a monitoring system, both run side by side for a period you choose, and differences in alerts are reviewed.

Training and go-live

Analysts, investigators and approvers are trained on their own workflows, and open cases are migrated or finished in the old system by agreement.

• 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.

• Load a sample of your own anonymized transactions and compare the alerts with those from your current system
• Ask an analyst to work an alert from queue to closure and time how many systems they still need
• Check that each alert's explanation would satisfy your examiners
• Walk through a SAR from case to approved draft and review the narrative structure
• Test a threshold change and review the evidence it produces
• Confirm role separation: who can draft, approve and export a SAR