YOUR SAR backlog is growing. Your team can't keep up. We fix that.

End-to-end alert review. Full audit trail. Data never leaves your environment. Zero trust architecture.

Built for BSA/AML compliance. FinCEN-ready reporting. Autonomous investigation at enterprise scale.

95%Routine alerts cleared autonomously
91%Annual cost reduction
11:1Return on investment

The future of compliance isn't more analysts—it's autonomous intelligence. Vigil deploys the first digital compliance workforce that thinks, investigates, and decides like your best officers.

CHALLENGES
WHY TRADITIONALAPPROACHES FALLSHORT TODAY
[01]

HUMAN BOTTLENECK

  • Massive L1 queues. 95% of alerts are cleared as false positives. Senior analysts waste time on obvious cases.
  • Growing workforce just to keep pace. The ratio of alerts to analysts keeps climbing.
  • Increasing AML and Fraud team salary costs across MENA region.
[02]

COGNITIVE CRISIS

  • Analysts face 15+ daily context switches between cases. Each switch costs 23 minutes of productivity.
  • No time for deep investigation. Just enough review to check the box and move to the next alert.
  • Critical patterns missed because analysts can't hold enough context in working memory.
[03]

BLACK BOX PROBLEM

  • Traditional ML flags transactions without explanation. Compliance officers can't defend 'the model said so' to regulators.
  • Bias in training data produces discriminatory outcomes. No visibility into why certain customers are repeatedly flagged.
  • When models fail, no one understands why. Post-incident analysis is guesswork.
SOLUTION [01]
THREE-TIERAUTONOMOUS
WORKFORCE
AGENT 01

THE OBSERVER

Handles the majority of cases using cognitive investigation. Analyzes biographical details, transaction patterns, and adverse media across every alert. Clears 95% of routine cases autonomously with complete audit trails, or escalates complex cases to The Investigator for deeper analysis.

AGENT 02

THE INVESTIGATOR

Reviews escalations from The Observer requiring deeper judgment. Conducts enhanced due diligence on ambiguous cases, traces beneficial ownership chains across corporate structures, maps transaction networks, and provides detailed reasoning. Continuously teaches The Observer through feedback loops to reduce future escalations.

AGENT 03

THE AUDITOR

Handles critical cases requiring regulatory action. Prepares FinCEN-ready SAR and CTR filings with complete narratives, applies BSA/AML and OFAC sanctions policy, compiles supporting documentation, and generates case files ready for your BSA officer's review and signature. Adapts automatically to regulatory template changes.

SOLUTION [02]
REASONINGINSTEAD OFRIGID RULES
RULE BASED SYSTEMSExample
IF tx_count_30d > (baseline * 3)
  AND new_payee_count >= 5
  AND total_amount > $50000
  THEN flag_fraud_risk

IF baseline_tx_count <= 5
  AND current_tx_count >= 20
  THEN escalate_high_priority

...
VIGIL INVESTIGATIONExample

23 transactions vs. usual 2-3—concerning spike. But who are the recipients? Jewelry store, wedding venue, caterer, hotel, travel agency. These aren't random, they form a pattern. Customer is 28. Prime age for major life events. The vendor combination is textbook wedding preparation. 6-week timeline matches traditional planning period. $80K total aligns with typical wedding costs. The behavior shows deliberate planning with specific vendors, not the erratic pattern of fraud. Conclusion: Approve. High confidence.

By The Observer

USE CASES
KYC Onboarding

Automated identity verification, document analysis, and risk scoring for new customer onboarding. Reduces manual review time by 80%.

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Transaction Monitoring

Every transaction, analyzed in real-time. Behavioral patterns, historical context, cross-border flows. Fiat and crypto. Suspicious activity flagged instantly.

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Fraud Detection

Patterns humans miss, caught automatically. Structuring, layering, unusual velocity—identified before damage compounds. Context-aware, not just rule-based.

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Sanctions Screening

Continuous protection, not periodic checks. OFAC, UN, EU, UK, and regional lists updated daily. Entire customer base re-screened overnight.

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AML Investigation

Full investigations, not just alerts. Beneficial ownership chains, source of funds, transaction networks. Complete case files with documented reasoning.

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Regulatory Filing

SAR/CTR ready for signature. FinCEN-ready templates for BSA/AML and OFAC requirements. AI prepares, human officer signs.

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HOW IT WORKS
START

VIGIL AI DETECTION

AI-powered behavioral analysis catches what rules miss. Works standalone or alongside your TM system. All alerts route to autonomous investigation instantly.

STEP 1

THE OBSERVER INVESTIGATES

Full cognitive analysis—transactions, history, behavior, context. 95% cleared autonomously with complete reasoning. Complex cases escalate to The Investigator.

STEP 2

THE INVESTIGATOR RESOLVES

Extended analysis for ambiguous cases. Beneficial ownership chains, cross-border patterns, deeper judgment. Most cases close here. Critical matters escalate to The Auditor.

STEP 3

THE AUDITOR FILES

SAR/CTR documentation with FinCEN-ready templates—BSA/AML and OFAC compliant. Complete case file ready for your compliance officer's signature.

STEP 4

SYSTEM LEARNS

The Auditor trains The Investigator. The Investigator trains The Observer. Human overrides become training signals. Complete audit trail. The system gets smarter with every case.

WE BUILT VIGIL TO GIVE BANKS AUTONOMOUS COMPLIANCE WITHOUT LOSING CONTROL.

Vigil processes 95% of cases automatically with full documentation. Your team retains final authority — AI prepares, humans sign. Override any case at any stage.

Customer data, transactions, and investigations remain in your environment. We push model updates and sanctions lists in — nothing sensitive goes out.

Proactive — screen entire customer base daily, update watchlists, prepare SARs before you need them.

Reactive — monitor transactions in real-time, catch fraud as it happens, onboard customers in seconds.