Core Modules
Bank on Us for Real-Time Risk Filtering and Transaction Control
Implement dynamic screening and authorisation rules to mitigate fraud loss, ensure sanctions compliance, and maintain maximum control over outbound payments.
Modules used in this solution
Ledger
Compliance
Risk
Profile
Reports
Audit
Case Management
KMS
Notification
Ledger
The foundational double-entry bookkeeping system that provides an immutable record for all modules.
E.g. Maintain a precise record of customer reward points or loyalty balances.
Core Modules
Compliance
Defines and automates regulatory journeys (KYC/AML) to ensure compliance with international standards.
E.g. Deploy workflows to verify identities during onboarding and monitor ongoing activity.
Core Modules
Risk
Provides continuous evaluation of user risk profiles and robust transaction screening/monitoring.
E.g. Automatically flag an account as "medium-risk" based on demographic or employment changes.
Core Modules
Profile
Centralizes identity data management for institutional customers and their underlying end-customers.
E.g. Securely store and update primary contact info and KYC metadata for a global user base.
Core Modules
Reports
Generates region-specific regulatory filings and bespoke internal reports for commercial intelligence.
E.g. Generate a periodic interest rate gap report for automated submission to a central bank.
Core Modules
Audit
Provides a comprehensive audit trail by recording every request or transaction flowing through the Core.
E.g. Pull a granular history of API calls for a specific account during a security review.
Core Modules
Case Management
A dedicated interface for creating, assigning, and resolving operational cases (e.g., manual flags).
E.g. Route a name-screening flag to a compliance analyst for a final "Approve/Decline" decision.
Core Modules
KMS
Houses all private keys and supports robust column-based encryption to protect sensitive data at rest.
E.g. Ensure PII is encrypted and accessible only by authorized internal services.
Core Modules
Notification
The communication gateway between the Core and customers/third-party providers via webhooks.
E.g. Trigger a transaction webhook to a third-party partner system.
Core Modules
The Modular Foundation for Service Delivery
Access to fully compliant, modular, core banking services, allowing institutions to launch products rapidly without managing complex backend infrastructure.
Pre-Execution Risk Management
Our module integrates into the payment flow to perform essential checks—including sanctions screening, custom risk scoring, and rule-based authorisation—ensuring every transaction meets predefined security and compliance thresholds.
In-Line Sanctions Screening
Automatically screen all payment parties (originator, beneficiary) against global sanctions lists in real-time before payment execution, blocking prohibited transfers instantly.
Customizable Rule Engine
Define unique, tiered risk scoring rules based on transaction size, geography, counterparty history, and payment frequency to automate decision-making.
Dynamic Authorisation Workflow
Implement multi-level approval workflows that automatically trigger secondary authorisation based on transaction value or risk score.
Advanced Monitoring and Audit Defense
Mitigate financial crime risk with mandatory screening, detailed logging, and comprehensive audit defense mechanisms integrated directly into the authorisation process.
Real-Time Fraud Scrubbing
Apply sophisticated, behavior-based pattern analysis across transaction data to detect and flag potential fraud risk before the payment is sent.
Tamper-Proof Audit Logging
Maintain a detailed, non-repudiable log of the risk score, rule outcome, and screening results for every payment, crucial for regulatory reporting.
Mandatory Regulatory Reporting Feeds
Automatically generate and integrate required regulatory reports (e.g., Suspicious Activity Reports) triggered by flagged transactions.
Operational Oversight and Exception Management
Provide risk teams with a centralized interface to review, investigate, and release transactions flagged by the system, ensuring high payment integrity and efficiency.
Centralized Exception Queue
Provide a real-time queue for flagged payments that require manual review, with all relevant data (score, history) accessible in one view.
Watchlist Management
Enable institutional clients to maintain and automatically cross-reference their own internal blocklists or high-risk counterparty lists against payments.
Decision History and Analytics
Analyze historical authorisation decisions, false-positive rates, and fraud trends to continuously refine risk rules and optimize the payment flow.