AML built for how neobanks actually work
Legacy AML vendors were designed for 1970s wire transfers, not ACH push payments and card-linked accounts at 500K+ consumer accounts. Riftbeacon ships pre-tuned for challenger bank transaction patterns.
What neobanks struggle with
Alert Fatigue from Generic Rules
Rules calibrated for brick-and-mortar bank behavior generate 95%+ false-positive rates on digital bank transactions. Analysts spend hours clearing noise instead of investigating real risk.
Transaction Volume Scaling
Your compliance program was designed for 50K accounts. At 500K, the same rules generate 10x the alerts with half the analysts. Legacy systems don't scale without expensive custom work.
Limited Compliance Headcount
Early-stage neobanks can't hire 20 BSA analysts. Riftbeacon's ML-augmented triaging means your 2-3 person compliance team handles the same workload as a 10-person legacy team.
Tuned for neobank rails from day one
ACH & P2P Rule Library
200+ pre-built rules calibrated for ACH push payments, peer-to-peer transfers, and card-linked accounts. No 3-month rule-tuning engagement before you're operational.
ML False-Positive Reduction
ML scoring trained on digital bank transaction patterns distinguishes normal neobank customer behavior from genuine AML risk — cutting false-positive rates by ~62%.
SAR Filing in Under 45 Minutes
Narrative drafting, 30-day window tracking, and FinCEN filing built into the same workflow. No separate tool for case management, no email threads for approvals.
6-Week Integration
REST API ingestion with support for Stripe, Modern Treasury, Column, and Unit data models. Most neobanks are live in 4-6 weeks — not 9 months.
KYC Lifecycle Management
Onboarding identity verification, continuous PEP and sanctions rescreening, and EDD workflow — without integrating three separate point solutions.
Predictable Pricing
Volume-based SaaS pricing starting at $2,500/month. No RFP process, no hidden implementation fees, no 3-year contract minimum.
What neobank compliance teams say
We went from 4 hours per SAR to under 45 minutes. The filing window stopped being a fire drill. Our compliance officer can now actually focus on edge cases.
A neobank serving 500K+ consumer accountsOur false-positive alert volume dropped by 58% in the first month. Same transaction volume, half the noise. That's the difference between 2 analysts being overwhelmed and 2 analysts being effective.
A consumer neobank with 200K accounts at launchReady to run AML at neobank pace?
Request a pilot and we'll demonstrate Riftbeacon's rule library on your actual transaction data.