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Use case · BSA suspicious activity reporting · $0.03 per payment assessed

BSA suspicious activity reporting

Thirty daysfrom detectionto filing.

The Bank Secrecy Act gives a financial institution 30 calendar days from detecting suspicious activity to file a report with FinCEN. Toden scores each payment, rolls the alerts into one case and drafts the report from the evidence, so the time goes on judgement and not on gathering.

The workflow

Score payments, build the case and draft the report before the filing deadline. This is a starting point: add, remove or reorder any step in the workflow builder.

Step 01

$0.02

Transaction assessment

Scores the payment and raises an alert when a rule fires

Step 02

$0.01

Account activity assessment

Scores the logins and changes around it

Step 03

Included

Decision rules

Allow, review or block on your rules

Then your rules decide

A starting rule set

  • The payment fits the customer's usual patternApprove
  • Several payments sit just under a reporting thresholdReview
  • Money arrives and leaves within minutesReview
  • The recipient is on your blocked listDecline

Every rule is yours to change on a visual canvas, and each result records which rule decided it. Publishing a new version needs no release.

Try the workflow builder

What it costs

Added up from the published rate card as this page loaded. It is what one production run of the workflow above deducts from your credit.

$0.03per payment assessed

  • Transaction assessment$0.02
  • Account activity assessment$0.01

How it works

1

Detect it as it happens

Each payment is scored on the same call, so the clock starts with a clear record of when you knew.

2

Build the case once

Related alerts, the customer and their payments are gathered into one case with a due date.

3

Draft, approve and file

The report is drafted from the case, a second person approves it, and you record the filing reference.

What powers it

  1. Each case carries a due date, and an overdue one is flagged before it becomes a finding.

Integrate

Mount the SDK with the workflow you published, or send a hosted link and write no code. The result arrives by signed webhook, and changing the workflow never needs a release.

Verify.tsxTypeScript · React
import { TodenVerification } from "@todenhq/sdk-react";
 
export function Verify({ userId }) {
  return (
    <TodenVerification
      apiKey="pk_test_..."
      workflowId="wf_AbC123dEf456"
      userId={userId}
      onSubmit={(s) => save(s.verificationId)}
    />
  );
}
verification.completedWebhook · JSON
{
  "event": "verification.completed",
  "data": {
    "verificationId": "ver_8fk2...",
    "status": "verified",
    "assuranceLevel": "gov_db",
    "idType": "bvn",
    "country": "NG",
    "dataMatch": true,
    "facialMatch": true,
    "facialConfidence": 91
  }
}

Products involved

This solution combines products you can use on their own too.

Compliance

Transaction Monitoring

Score each transaction as it arrives against rules you control, and route what they flag to alerts and cases.

Learn more
Compliance

Cases & SAR Filing

Turn alerts into cases, record the outcome, then draft and export a goAML-format SAR or STR.

Learn more
Beta

Risk Intelligence

Monitor transactions and account activity against your own rules, then investigate what they flag.

Learn more

Related use cases

Suspicious transaction reporting

Alerts, cases and goAML suspicious transaction reports, with four-eyes control and an audit trail.

Learn more

AML & Monitoring

The ongoing AML workflow: screening, monitoring, cases and goAML reporting.

Learn more

Money mule detection

Score each payment for the patterns a mule account leaves, and stop the next one before it leaves.

Learn more

Coverage

Pick a country to see the IDs you can verify there, which documents carry a chip we read, and whether business checks are available.

All countries we cover

Frequently asked

  • No. Your team files through FinCEN's BSA E-Filing System. Toden prepares the case and the draft, and records the filing reference.

BSA suspicious activity reporting,in one workflow.

The sandbox opens when you sign up. Usage-based pricing, no sales call.

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