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.
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.
MOST ALERTS ARE NOISE
- 95% of alerts are innocent customers
- Analysts clear routine cases, not real threats
- Compliance becomes volume processing, not strategy
THE OBSERVER
Handles the majority of cases using cognitive investigation. Analyzes biographical details, transaction patterns, and adverse media. Clears 95% of cases autonomously or escalates to The Investigator.
THE INVESTIGATOR
Reviews escalations from The Observer requiring deeper judgment. Handles ambiguous cases, extended transaction analysis, and beneficial ownership chains.
THE AUDITOR
Handles critical cases requiring regulatory action. Prepares FinCEN-ready SAR and CTR filings with complete narratives and supporting documentation.
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 ...
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
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.
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.