Responsible buyer
Operations, finance, and compliance owners responsible for AML Alert Investigation & SAR Narrative Engine.
Review desk · signal room
AmlAlertSignal
financial institution is legally required to monitor transactions, investigate every alert, and file a Suspicious Activity Report (SAR) when warranted. The work is enormous and mostly waste: roughly 90–95% of transaction-monitoring alerts are false positives Verified , yet each one still needs a documented, defensible investigation. The country generated about 4.7 million SARs in FY2024 , averaging ~12,870 filings every day Verified . Financial-crime compliance cost U.S.
amlalertinvestigationsarnarrative
Who this is for
A precise operating owner, not a generic audience.
Cost of the gap
financial institution is legally required to monitor transactions, investigate every alert, and file a Suspicious Activity Report (SAR) when warranted. The work is enormous and mostly waste: roughly 90–95% of transaction-monitoring alerts are false positives Verified , yet each one still needs a documented, defensible investigation. The country generated about 4.7 million SARs in FY2024 , averaging ~12,870 filings every day Verified .
Outcome
10 The outcome we sell Deliverable For each alert: a closed, examiner-ready investigation file (disposition, rationale, evidence, audit trail). Where reportable: a complete, citation-supported SAR narrative ready for the BSA Officer's review and e-filing. Acceptance criteria Disposition is supported by documented evidence; narrative follows the "who/what/when/where/why/how" FinCEN standard; turnaround within SLA; QA pass; zero unsupported assertions.
Decision rule
Proceed only when the source record, service boundary, responsible reviewer, and release criteria can be named before work begins.
Method
The work moves through visible states.
- Scope12 AI-vs-human operations pipeline AI Ingest & normalize alert; entity-resolve subject & counterparties AI Enrich: KYC pull, transaction history, adverse media, open-source intel Rules Sanctions/structuring/mandatory-SAR triggers & deadline clocks AI Pattern analysis, typology classification, risk score, draft rationale AI Draft SAR narrative (who/what/when/where/why/how) with citations Operator Certified investigator reviews, corrects, dispositions; escalates exceptions Senior expert Complex typologies, EDD, QA sampling, root-cause on returns Customer (BSA Officer) Reviews file/narrative, approves, signs, e-files the SAR AI Capture edits & outcomes into the learning loop AI/rules own intake, enrichment, scoring, and first-draft generation (the bulk of effort).
- CollectHumans own judgment, exceptions, and QA.
- NormalizeThe customer owns the filing decision and signature
- Validatethe regulated accountability that cannot be delegated.
- ResolveRoute missing, conflicting, or unsupported items to an exception queue.
- ReviewHave a qualified human review the release candidate.
- ReleaseRelease the final pack with an audit trail and correction path.
Engagement
Buy the reviewed outcome, with boundaries written down.
15 Pricing, pricing legality & unit economics Primary model Per-alert disposition fee + per-SAR-narrative fee + a fixed monthly platform/retainer. Indicative Inferred : ~$8–$20 per cleared alert disposition (tiered by complexity), ~$75–$200 per SAR narrative, plus a $5k–$25k/month platform & SLA retainer. This sits below the client's fully-loaded internal cost-per-alert (~$25–$50) while carrying healthy margin as automation rises. Why not hourly Hourly billing caps margin at labor and punishes us for getting faster.
Release package
- 10 The outcome we sell Deliverable For each alert: a closed, examiner-ready investigation file (disposition, rationale, evidence, audit trail).
- Where reportable: a complete, citation-supported SAR narrative ready for the BSA Officer's review and e-filing.
- Acceptance criteria Disposition is supported by documented evidence; narrative follows the "who/what/when/where/why/how" FinCEN standard; turnaround within SLA; QA pass; zero unsupported assertions.
- Customer promise "Hand us your alert queue; get back signed-ready dispositions and SAR drafts, faster and at lower total cost than running it in-house
Proof standard
Operating evidence: No verified cycle-time result is published yet. The first result will be calculated from accepted intake through qualified-human release.
Client evidence: No client identity or case narrative is published. A reference may appear only after written permission and factual review.
Volume evidence: No completed-client count is claimed. Counts will be published only after the delivery ledger and provider records reconcile.
Evidence room
Authority comes from traceable sources, not decorative claims.
- fluxforce.ai/statistics/false-positive-rates-transaction-monitoringSource identified in the canonical blueprint; verify currency before client reliance.
- thomsonreuters.com/.../sars-report-2024Source identified in the canonical blueprint; verify currency before client reliance.
- fincen.gov/resources/reports/sar-stats/sar-filings-industrySource identified in the canonical blueprint; verify currency before client reliance.
- niceactimize.com/blog/...2024-fincen-sar-statsSource identified in the canonical blueprint; verify currency before client reliance.
- risk.lexisnexis.com/.../true-cost-...-us-and-canadaSource identified in the canonical blueprint; verify currency before client reliance.
- hklaw.com/.../fincen-imposes-record-penalty-on-broker-dealerSource identified in the canonical blueprint; verify currency before client reliance.
- gibsondunn.com/2025-year-end-developments-in-anti-money-launderingSource identified in the canonical blueprint; verify currency before client reliance.
- klgates.com/Lessons-From-2024-BSA-AML-Enforcement-ActionsSource identified in the canonical blueprint; verify currency before client reliance.
Service boundary
Automation prepares. A qualified human releases.
AmlAlertSignal is an operational documentation and processing service operated by Your Deputy, Obuke LLC. It is not a law firm and does not provide legal, tax, medical, financial, or other licensed professional advice. Consumer and personal debt matters are not accepted. The client retains its licensed professionals and decision authority. Automation may organize and check records, but a qualified human must review and release every client deliverable.
- Unsupported facts remain unresolved, never inferred into a client deliverable.
- Jurisdiction-specific or licensed questions are routed to the client's professional.
- Every correction retains the source, reviewer, version, and reason for change.
Questions
Know the limits before intake.
Is this legal or professional advice?
No. This is bounded operational documentation and processing support. Licensed judgment remains with the client and its professionals.
Does automation make the final decision?
No. It can organize records, run declared checks, and prepare an exception queue. A qualified human reviews and releases every deliverable.
Is a client portal or CRM already active?
This public site does not claim an active portal integration. Portal access is provisioned only after the relevant backend is configured and independently verified.
What happens when evidence conflicts?
The item is placed in an exception state with its sources and owner. It is not silently resolved or presented as verified.
Fit diagnostic
Send enough context to scope the next conversation—no sensitive files.
Do not submit protected health information, personal financial data, credentials, or confidential client records through this public page.