Compliance
Let us do the heavy lifting.
Detect, investigate, and file. Alerts, case management, and FinCEN e-filing in one BSA program.
Automated Alerts
BNControl evaluates transaction activity and surfaces what needs attention - no reports to run, no lists to comb through. Every alert is scored for severity so the most serious items come first.
- Automatic evaluation of all activity
- Scored 0-100 and assigned a severity level
- Grouped by customer, not transaction
- Custom statuses for your workflow
- Promote any alert into a case
- Status and comments logged for audit
Intelligent Monitoring
Static rules only catch the patterns someone already anticipated. BNControl learns how each customer actually behaves - the amounts they move and the pace they move them at - then raises an alert when that pattern breaks.
Most rules score against the account's own history rather than a flat dollar limit, so the same amount reads differently on a commercial account than on a retail one. Peer Group Deviation goes further, using machine learning to group customers by how they actually use their accounts and flagging the ones sitting well outside their group. Where a fixed dollar limit is the right approach - like cash kept just under the reporting threshold - the rule stays a fixed limit.
Monitoring spans the entire relationship - every account, product, and channel - so activity that has been broken up or spread around is still evaluated together. Your BSA officer tunes the sensitivity, every change is logged, and what the models produce flows straight into cases, SAR decisions, and filings.
- Cash Structuring
- Rapid Movement of Funds
- Outlier Transaction Amount
- Dormant Account Activation
- Peer Group Deviation
- Anomalous Transaction Frequency
- ACH Name Mismatch
- Outgoing Wire Transfer Alerts
Why Was This Flagged?
A system that says "this looks suspicious" without saying why has only moved the work somewhere else. Every BNControl alert opens with a plain-language explanation built from the numbers behind it - the window examined, how many transactions, for how much, and the behavior that crossed the line.
The priority score is just as open. Any alert shows how it was calculated, every factor that contributed, and why it was escalated. No black box, no unexplained number.
- Plain-language explanation of numbers
- Score breakdown by contributing factor
- Escalation reasons stated outright
- The underlying transactions and peers
- An About panel explaining the rule
- Change log of statuses and comments
Case Management
An alert is only the beginning. Cases give your BSA team a real workspace - customers, accounts, transactions, tasks, comments, and attachments, all tied back to the alerts that started it. SAR Investigation, CTR Review, Enhanced Due Diligence, and OFAC Review case types are seeded on day one.
- Owners, members, and reviewers
- Link customers, accounts, transactions
- Task lists with due and follow-up dates
- Timeline view with attachments
- Track actual and prevented losses
- Print or export a complete case package
Case Timeline
"What happened, and when?" is the first thing an examiner asks, and the timeline answers it without anyone reconstructing it after the fact. Every meaningful action lands on one chronological record, and you can add your own entries for what the system cannot see - a call with law enforcement, a branch interview, a document received.
- Status changes with old and new values
- Comments and transactions in sequence
- SAR decisions and FinCEN filings logged
- Transactions at their true process date
- Manual entries with notes and files
- Filter by event type or calendar view
SAR Decision Tracking
Filing a SAR is not just about the form - it is also a race against the clock. Record the date activity was detected and BNControl calculates the filing deadline automatically - 30 days once a suspect is identified, 60 days when one has not been, and an accelerated track for an immediate threat. A progress bar and plain-language countdown show where every case stands.
- Deadlines set from the detection date
- Filter cases by approaching deadline
- Record suspect and continuing activity
- Log every decision, who, and why
- Law enforcement contact and reference
From first alert to accepted filing - without leaving BNControl.
- 1 Detect Monitoring raises a scored, explained alert.
- 2 Investigate Promote the alert into a case.
- 3 Decide Record the SAR decisions.
- 4 E-File Validate and transmit the FinCEN batch.
- 5 Acknowledge Accepted or rejected, back on the case.
E-Filing SARs
File your SAR without ever leaving BNControl. A guided form walks you through the filer, subjects, accounts, classification, and narrative, with validation messages tagged to the FinCEN item they relate to - problems surface before you finalize, not after FinCEN rejects the batch.
BNControl then builds the batch XML, transmits it securely, and watches for the acknowledgment on your behalf, emailing your team the moment the filing is accepted or rejected.
- Start a SAR pre-filled from the case
- Messages tagged with FinCEN items
- Direct submission to BSA E-Filing
- Automatic acknowledgment and email
- Attach a supporting file to the filing
- Complete FinCEN code sets built in
E-Filing CTRs
Large Cash Items groups reportable currency activity by customer and tracks your review progress with a completion bar, so you always know how much is left to clear. Anything that needs a CTR moves straight into the filing form, and every CTR marked ready goes to FinCEN in a single batch.
- Cash activity grouped by customer
- Review progress and pending filters
- Guided, validated multi-step CTR form
- File many CTRs in a single FinCEN batch
- Pending and error counts always visible
- Not e-filing? Record the confirmation
BSA Reports
Underneath the alerts and cases sits the data foundation that makes them possible. BNControl pulls your information together from across every system and turns it into the reports your BSA program depends on - already combined, already formatted, and ready the moment you sit down.
- Large cash items
- Elderly financial exploitation
- Suspect kiting and floating
- Suspect client-owned ATMs
- Cryptocurrency transactions
- Internet gambling and P2P payment apps
- Employee accounts
Risk Monitor List
Build a custom list of account holders who are tracked or exempt - high-risk clients, or anyone who needs special attention. Ratings surface where your team actually works, on BSA reports and on the account detail itself, rather than buried in a separate list.
- Create custom labels for customers
- Track exempt and risk statuses
- Track last and next review dates
- Risk rated customers on BSA reports
- Risk indicators on the customer profile
OFAC and 314(a) Scanning
The SDN and Consolidated lists update themselves from Treasury and the scans run automatically. Custom scan profiles you define yourself - with delimited and ACH parsing and field-by-field mapping - cover activity that lives outside your core. Upload FinCEN's 314(a) file and BNControl scans your customer base against it, then tracks the disposition of every match.
- Customers, checks, wires, and vendors
- ACHs - incoming and outgoing
- Custom files via your scan profiles
- Automatic Treasury list updates
- Whitelist for known false positives
- Match reports for your examiner file
314(b) Information Sharing
Information sharing only protects you if it is documented properly. Log every inbound and outbound request with the counterparty, the customer, and the response. The activity fields stay locked until the counterparty has been verified as a registered participant, with the date and confirmation reference recorded alongside it.
- Inbound and outbound request log
- Counterparty verified before sharing
- Registration expiration warnings
- Response due dates and open requests
Automated MSB Scans
BNControl pulls the complete registrant list from the FinCEN MSB Registry and refreshes it on every import. Matching is fuzzy rather than exact, so a business registered under a slightly different name still surfaces, and every potential match is reviewed and marked as a match or not.
- Registry refreshed on every import
- Scans automatically during import
- Fuzzy matching, adjustable threshold
- Optionally include the address
- Limit scans to business customers
- Scan history with reviewer and date
FACTA/Red Flag
Is your Red Flag program automated and easily tracked? BNControl provides a checklist review procedure and a system that monitors when a checklist should be completed for a customer, so reviews happen on schedule instead of whenever someone remembers.
Alongside the checklist, a series of reports surfaces the account behavior that points to possible identity theft, giving you the documentation to show your program is working.
- Transactions on inactive and dormant accounts
- Line of Credit activity in the first 90 days
- Late payments in the first 30/90 days
- Anomalous usage pointing to identity theft
- Checklist reviews tracked per customer
- "I did not receive my..." notifications
- Pending checklist reporting
Explainable Alerts
Every alert arrives with the reasoning attached - the numbers behind it, the factors that scored it, and the evidence that supports it. Nobody has to take the system's word for it.
Direct FinCEN Filing
SARs and CTRs are validated, batched, and transmitted to the BSA E-Filing System from inside BNControl, with acknowledgments tracked back automatically.
Examiner-Ready Evidence
Timelines, change logs, match reports, and scan history are captured as you work, so the documentation is already there when someone asks for it.
Are you ready for a demo?
See BNControl for yourself. We'll show you the modules you're interested in and answer questions along the way.