BSA program ownership starts here
Payments fintechs with sponsor bank relationships face direct FinCEN SAR obligations. Riftbeacon covers ACH, wire, and RTP rails with rule sets calibrated for your transaction patterns.
The compliance obligations payments fintechs carry
Sponsor Bank Pressure
Your sponsor bank's BSA officer needs to see your AML program documentation. Without a systematic compliance layer, you're one exam away from a program restriction.
Direct SAR Obligations
As a money services business (MSB), your FinCEN registration carries direct SAR filing requirements. Missed SAR deadlines are enforcement actions waiting to happen.
Multi-Rail Complexity
ACH batches, same-day ACH, wire transfers, and RTP/FedNow have different risk profiles and different monitoring requirements. Single-rail tools miss cross-rail patterns.
Rail-aware monitoring and exam-ready documentation
Multi-Rail Monitoring
Separate rule sets for ACH (batch and same-day), wire, RTP, and FedNow. Cross-rail aggregation catches customers who split payments across rails to avoid detection.
Sponsor Bank Reporting
Exportable compliance program reports designed for sponsor bank periodic reviews. Demonstrate your AML program controls with data, not narratives.
FinCEN SAR Filing
Direct FinCEN BSA E-Filing integration. 30-day countdown with escalation alerts. Narrative drafting from case facts. Examiner-ready audit trail on every filed SAR.
CTR $10K Aggregation
Cross-account and cross-day aggregation for CTR filing threshold. Automatic structuring detection for customers making multiple payments just below $10K.
OFAC Real-Time Screening
Sub-500ms OFAC screening for payment approval flows. OFAC 50% rule logic for entity ownership chains. Configurable match threshold for false-positive control.
Payments API Connectors
Pre-built connectors for Stripe Treasury, Dwolla, Moov, and Modern Treasury data models. Custom webhook ingestion for proprietary ledgers.
From payments platform clients
Legacy vendors quoted us 9-month implementations. Riftbeacon had us live in 6 weeks and our false-positive rate dropped by more than half. Our sponsor bank was satisfied at the first quarterly review.
A payments platform processing $1.8B annuallyThe CTR aggregation alone saved us from two potential structuring misses. Having a system that automatically tracks transactions across days and accounts is the difference between compliance and exposure.
A B2B payments infrastructure providerBSA compliance built for payments speed
Request a pilot and demonstrate your AML program to your sponsor bank with data-backed documentation.