Flag what rules miss. File what regulators require.
Riftbeacon is transaction monitoring, OFAC screening, and SAR filing for digital banks — tuned to high-velocity account patterns, not legacy bank assumptions.
One compliance platform, four critical functions
From transaction ingestion to FinCEN filing — Riftbeacon covers your entire BSA/AML workflow so your team focuses on decisions, not data wrangling.
Transaction Monitoring
Velocity rules, amount thresholds, structuring detection, and ML scoring tuned for ACH, card-linked, and P2P rails.
Learn moreKYC & Ongoing Screening
Identity verification at onboarding, continuous PEP/sanctions rescreening, EDD triggers, and adverse media monitoring.
Learn moreSanctions & OFAC Screening
Real-time OFAC SDN, EU consolidated, UN, and HMT list screening with fuzzy matching, hit review, and escalation workflow.
Learn moreSAR Filing & Case Management
BSA SAR 30-day window tracking, FinCEN CTR $10K automation, narrative drafting, and examiner-ready audit trail.
Learn moreFrom raw transaction data to filed SAR in one workflow
Riftbeacon connects your transaction feed to your FinCEN filing queue — without the 9-month integration timeline legacy vendors quote.
Ingest transaction data via API
Connect your core banking, ledger, or payment rails via REST API or webhook. Works with Stripe, Modern Treasury, Column, Unit, and direct ACH feeds.
Score & triage with ML-augmented rules
Every transaction scores against velocity rules and ML patterns. Alerts are ranked by risk severity with plain-language rationale your BSA officer can read to an examiner.
Resolve alerts — file SARs in FinCEN portal
Analysts review cases, add narrative, and file directly. Automated 30-day countdown. Immutable audit log for examination. CTR auto-aggregation for structuring patterns.
Built for the way digital banks actually operate
Rules written for neobank velocity
Riftbeacon's rule library ships pre-tuned for ACH push payments, card-linked accounts, and peer-to-peer rails — not 1970s wire transfer patterns. Your false-positive rate reflects your actual customer behavior, not the average legacy bank's.
See Transaction Monitoring
Explainable, not just algorithmic
Every ML alert includes a plain-language rationale your BSA officer can read to an examiner. No black-box scores that leave you defending decisions you can't explain. Riftbeacon is ML-augmented, not ML-only — because examiners need to see your reasoning, not just your output.
Why RiftbeaconAccount #483921 executed 14 ACH push transactions totaling $9,340 across 3 receiving accounts within 22 hours — below CTR threshold. Pattern matches structuring rule VEL-ACH-STRUCT-01. ML confidence score: 0.87.
Compliance teams that run faster
Clients are under NDA — standard for AML compliance software. We describe results, not logos.
We went from 4 hours per SAR to under 45 minutes. The filing window stopped being a fire drill.
A neobank serving 500K+ consumer accountsLegacy vendors quoted us 9-month implementations. Riftbeacon had us live in 6 weeks and our false-positive rate dropped by more than half.
A payments platform processing $1.8B annuallyReady to close your AML gaps?
Request a pilot and see how Riftbeacon performs on your transaction data — not a canned demo.