Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) compliance is one of the most labor-intensive regulatory obligations facing fintechs and banks today. It requires continuous transaction monitoring, suspicious activity reporting, customer due diligence, and mountains of documentation — all subject to intense regulatory scrutiny.
We built StackTalk's BSA/AML automation module to transform this from a multi-week manual process into a continuous, largely automated workflow. Here's how it works.
The manual BSA/AML burden
For most fintechs, BSA/AML compliance involves a painful cycle:
Gather evidence — Pull transaction data, KYC records, SAR filings, and training records from multiple systems. This alone takes days.
Map to requirements — Cross-reference gathered evidence against BSA/AML requirements. Identify gaps. Chase down missing documentation.
Prepare for examination — Package everything into an examiner-friendly format. Run through mock reviews. Fix last-minute gaps.
Respond to findings — Address any examination findings. Update policies. Document remediation. Repeat.
Teams we talked to reported spending 4-8 weeks on this cycle for each examination — and many fintechs face multiple examinations per year across different regulatory bodies.
How StackTalk automates BSA/AML
Continuous evidence collection. StackTalk integrates directly with your transaction monitoring system, KYC/CDD platform, and case management tools. Evidence is collected automatically and continuously — not in a last-minute scramble. When an examiner asks for your SAR filing history, it's already packaged and ready.
Intelligent control mapping. Our AI maps your BSA/AML controls to the specific requirements of your regulatory framework — whether that's FinCEN's requirements, your state regulator's expectations, or your partner bank's compliance standards. The mapping updates automatically as requirements change.
Gap detection. Rather than discovering gaps during exam prep, StackTalk runs continuous gap analysis against your BSA/AML program. If your customer risk rating methodology hasn't been reviewed in 13 months, you'll know immediately — not when an examiner points it out.
Examination-ready packages. With one click, generate a complete BSA/AML examination package that includes your program documentation, evidence of control effectiveness, training records, SAR filing statistics, and independent testing results. Formatted the way examiners expect to see it.
Results from early customers
Our early BSA/AML customers have seen dramatic improvements:
Reduction in exam prep time
Findings at most recent exam
Continuous gap monitoring
To generate exam package
One customer — a payments company with $2B+ in annual volume — told us their BSA officer "actually took a vacation before their last exam" for the first time in three years. That's the kind of transformation we're after.
Getting started
StackTalk's BSA/AML module works with your existing transaction monitoring and KYC systems. Most teams are fully integrated within a week. If you're spending more than a day preparing for BSA/AML examinations, we can help. Reach out for a demo focused specifically on your BSA/AML workflows.