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Rivac AI Labs
Vertical AI Solutions: Fintech, Retail, Real Estate & Manufacturing

RegTech & AML Compliance Automation

Manual transaction monitoring for anti-money-laundering compliance doesn't scale, analysts drown in alerts, most of them false positives, while the patterns that actually matter slip through the noise. This service automates transaction monitoring and suspicious-activity reporting against your specific regulatory obligations, tuned to your real transaction patterns rather than an off-the-shelf rule pack. It's built for banks, fintechs, and payments companies that need defensible, auditable AML coverage without hiring an analyst team that scales linearly with transaction volume. Every flagged case comes with a documented rationale a regulator can follow, and the system produces the reports your compliance team actually has to file. The result is fewer missed cases and a compliance program you can defend under examination.

This is a capability we deliver for you as a service, not a role we’re hiring for.

How We’d Approach This

A clear, staged plan, not a black box

These are the service-specific steps inside our six-step process.

  1. 1

    Diagnose current alert volume, false-positive rate, and the specific regulatory reporting obligations that apply to your business.

  2. 2

    Pilot the monitoring rules and models against a sample of historical transactions with known dispositions to validate detection.

  3. 3

    Review flagged cases and thresholds with compliance and legal before anything goes live in production monitoring.

  4. 4

    Operate the monitoring system with a human compliance analyst approving every filed report and tuning rules on a fixed schedule.

What You Get

Deliverables from this engagement

  • Automated transaction-monitoring system tuned to your obligations
  • Suspicious-activity case queue with documented rationale per alert
  • Regulatory reporting templates pre-filled for filing
  • Full audit trail of every monitored transaction and decision
  • Quarterly tuning review as transaction patterns evolve

Six Ways We Could Architect This

Different engagement, different build, pick the shape that fits

There’s more than one way to deliver on this service. Browse a few of the ways we’d structure the work, depending on your speed, budget, and integration needs.

Read all 6 architectures as text

Lean Fast-Start Architecture

Data Input

  • Transaction Feed Export
  • Existing Rule List

Simple Monitoring

  • Baseline Rule Engine
  • Flagged Transaction List

Review

  • Manual Analyst Review
  • Disposition Notes

Rollout

  • Pilot on One Transaction Type
  • False Positive Count Reviewed
  • Threshold Adjustments
  • Basic Reporting Template
  • Compliance Team Sign Off
  • Plan for Full Rollout

Cloud-Native / Managed Services Architecture

Data Layer

  • Transaction Stream
  • Customer KYC Data
  • Cloud Data Warehouse

Managed Monitoring Platform

  • Managed Rules and Model Engine
  • Case Management Service

Reporting Layer

  • Suspicious Activity Case Queue
  • Regulatory Report Generator

Operations Layer

  • Compliance Analyst Dashboard
  • Managed Alerting Service
  • Model Performance Monitoring
  • Scheduled Tuning Job
  • Quarterly Effectiveness Review

Event-Driven & Automation-First Architecture

Triggers

  • Transaction Posted
  • Real Time Monitoring Event

Automation Layer

  • Auto Rule and Model Scoring
  • Suspicious Pattern Detected

Review Gate

  • Auto Case Created
  • Transaction Cleared
  • Analyst Investigation
  • Confirmed Suspicious Activity
  • Auto Draft SAR Report

Delivery

  • Compliance Officer Sign Off
  • Report Filed with Regulator
  • Audit Trail Updated

Enterprise-Grade & Compliance-Ready Architecture

Governance Layer

  • AML Regulatory Requirements
  • Risk Based Approach Policy
  • Escalation Procedures

Secure Monitoring Layer

  • Access Controlled Case Management
  • Role Based Analyst Permissions
  • Encrypted Transaction and KYC Data

Auditable Compliance

  • Full Case Audit Trail
  • Model and Rule Version Log
  • Independent Compliance Review

Compliance Operations

  • Redundant Monitoring Infrastructure
  • Regulator Ready Documentation
  • Signed Off Examination Package

AI-Augmented, Human-in-the-Loop Architecture

Input Layer

  • Transaction and Customer Data
  • Historical Case Dispositions

AI Monitoring Layer

  • AI Pattern Detection Model
  • Draft Suspicious Case
  • Draft Rationale and Evidence

Human in the Loop

  • Compliance Analyst Review
  • Rationale Supports Filing
  • Close Case and Retrain Model
  • Human Approved SAR Filing

Delivery

  • Filed with Regulator
  • Case Closed and Logged
  • Quarterly Tuning Review

Integration-Heavy / Ecosystem-Connected Architecture

Client Systems

  • Core Banking Platform
  • Payments Processing System
  • KYC and Onboarding Platform

Monitoring Core

  • AML Transaction Monitoring Engine
  • Case Management System

Two Way Sync Layer

  • Regulator Filing Portal Sync
  • Internal Audit System Sync
  • Compliance Team
  • Internal Audit Team

Shared Governance

  • Joint Review with Legal and Compliance
  • Published Monitoring Architecture
  • Ongoing Regulatory Exam Readiness

More in Vertical AI Solutions: Fintech, Retail, Real Estate & Manufacturing

Ready to get started?

Tell us what you’re trying to get done and we’ll help you find the highest-leverage place to start, scoped small enough to prove itself before you commit to anything bigger.

Talk to us about RegTech & AML Compliance Automation

Most engagements like this start as a $500–$2,500 pilot, see full pricing.

Questions? Book a free call