The 30-day window shouldn't be a fire drill
Automated BSA SAR case management with 30-day countdown, FinCEN CTR $10K aggregation, AI-assisted narrative drafting, and an immutable audit trail that holds up under examination.
From alert to FinCEN filing in four stages
Alert Flagged
Transaction monitoring or KYC module generates alert. 30-day clock starts. Case auto-created, assigned to BSA officer queue.
Case Opened
Analyst builds case: pulls transaction history, account profile, previous alerts. Documents preliminary assessment and suspicious activity type.
Narrative Drafted
Riftbeacon generates a SAR narrative draft from case facts. Analyst reviews and edits. BSA officer approves. All edits logged.
Filed to FinCEN
Approved SAR submitted via FinCEN BSA E-Filing. Confirmation number logged. Case closed. Audit trail sealed.
Currency Transaction Reports — automated aggregation
CTR Filing Threshold
FinCEN requires CTR filing for cash transactions exceeding $10,000 in a single business day. Riftbeacon auto-aggregates across multiple transactions and accounts under common ownership.
Smurfing Pattern Detection
Customers who deliberately break large transactions into amounts just below $10K to avoid CTR filing are committing a federal crime. Riftbeacon's aggregation engine surfaces these patterns automatically.
Immutable log — built for examiner review
Every action in a SAR case is logged with timestamp, user ID, and outcome. Cannot be modified after creation. Examiners see exactly what your team saw and when.
Stop treating SAR filing as an afterthought
Riftbeacon integrates the 30-day window into your daily workflow — not a calendar reminder and a Word template.