AML/KYC & Transaction Monitoring on AWS — 10-Week FFIEC/FinCEN Build

Stand up a FinCEN/FFIEC-ready AML/KYC and transaction monitoring platform on AWS in 10 weeks — not 10 months — with a BSA-Officer-in-the-loop workflow from day one.

Kriv AI's 10-week deployment stands up Amazon Neptune, Redshift, SageMaker, Bedrock (with Guardrails), Lake Formation, CloudTrail, and S3 Object Lock as a cohesive AML/KYC stack inside your AWS account. We deploy, validate, and hand over operations with a documented runbook, a model inventory, an alert-triage workflow, a Neptune-backed UBO graph, and SAR narrative drafts that always pass through documented human review by your BSA Officer or designated compliance reviewer.

Why community banks, credit unions, MSBs, fintechs, and crypto exchanges engage Kriv AI

AML enforcement is the hottest corner of US financial regulation. TD Bank's $3.1B 2024 BSA settlement, Binance's $4.3B 2023 resolution, and Wells Fargo consent-order cycles have pushed regulators, boards, and correspondent banks to demand visible, documented, defensible transaction monitoring. FinCEN's AML/CFT Program Rule (effective Jan 1, 2026), CIP and CDD/Beneficial Ownership requirements, the FFIEC BSA/AML Examination Manual, and OFAC's 50 Percent Rule raise the bar. Legacy vendors (Verafin, Oracle FCCM, NICE Actimize, SAS, Fiserv) run 12–24 month implementations at license prices small institutions can't justify.

What we deploy

Amazon Neptune UBO & network graph — entities, related parties, beneficial owners, shared addresses / devices, shell-company indicators, OFAC 50% Rule traversal SageMaker behavioral monitoring — peer-group baselining, structuring / smurfing signals, unusual wire / ACH patterns, cash-intensive-business typologies, TBML, correspondent anomaly scoring KYC / CDD / EDD orchestration wrapping Customer's existing licensed vendor (Alloy, Socure, Persona, Jumio, LexisNexis, ComplyAdvantage, Dow Jones); licensed vendor remains system-of-record Bedrock agents with Guardrails — alert-triage summaries, investigator-assist narratives, SAR narrative drafts, disposition memos. Every output routes through BSA-Officer approval — drafts are evidence, not filings; Kriv files nothing. Redshift AML data warehouse — transactions, accounts, parties, alerts, cases, sanctions hits, KYC history; lookback + tuning + exam-response analytics Lake Formation row + column-level access for PII, EDD subjects, jurisdiction segmentation CloudTrail + S3 Object Lock (WORM) governance trail — immutable capture of model invocations, overrides, dispositions, SAR-draft review, FFIEC retention QuickSight dashboards — Alert Volume + Tuning, Case Aging, Sanctions Hit Rate, Model Drift, AML Governance Evidence Governance artifacts — AML model inventory, tuning + lookback templates, SAR-quality review, BSA/AML risk-assessment scaffolding, vendor AI policy stub

10-week engagement. Weeks 1–2 Design (NDA, OFAC inventory, prior-exam review, Neptune UBO schema, FFIEC/FinCEN control map). Weeks 3–5 Build (core-banking + card + ACH + wire + crypto feeds → Redshift; Neptune UBO ingest; KYC vendor integration; SageMaker + Bedrock with BSA-Officer review gating). Weeks 6–7 Evals + tuning (above-the-line / below-the-line templates, sanctions hit-rate calibration, model cards, analyst UAT, SAR-narrative review). Weeks 8–9 Cutover prep + shadow-mode pilot. Week 10 Cutover.

Three tiers. Starter $95K (1 core feed; UBO on existing CDD; 2 pipelines; 2 agents; 1 KYC vendor; v1 governance) — community banks $500M–$2B, CUs, single-product MSBs, early-stage fintechs. Professional $175K (2 feeds; UBO + related-party; 4 pipelines; 4 agents; 2 KYC vendors; v2 governance + tuning/lookback) — community banks $2B–$10B, BaaS sponsors, mid-stage crypto. Enterprise $275K (3 feeds; full UBO + OFAC 50% + shell indicators; 6 pipelines; 5 agents; multi-tenant Lake Formation; correspondent view; full pack + model cards; 3 KYC vendors; 30-day hypercare) — regional banks, large CUs, established crypto exchanges. Optional Additional Core Feed $25K each.

Important disclosures. AWS infrastructure billed separately. Kriv is not a bank, credit union, MSB, money transmitter, broker-dealer, trust company, BaaS operator, VASP, or crypto exchange; holds no banking/MSB/VASP license; is not registered with FinCEN; is not a fiduciary. Kriv files no SARs, CTRs, Form 8300, 314(a)/(b) responses, or any FinCEN/OFAC/IRS/state/foreign filing. BSA Officer retains sole filing authority; Bedrock outputs require BSA-Officer approval. Kriv does not replace licensed KYC/sanctions vendor. CTA BOI reporting remains with reporting companies and their counsel. No FinCEN/FFIEC/OFAC certification exists. Customer retains data, filings, regulator communications, and operational responsibility post-handover. Not legal, regulatory, tax, compliance, or investment advice.