W1 · DASHBOARD

{{ L.dateLine }} · {{ bankName }} · {{ L.viewingAs }} {{ roleLabel }}

{{ L.rtm }} {{ liveScanned }} {{ L.scannedShort }} · {{ liveFlaggedN }} {{ L.flaggedShort }} · {{ liveHeldN }} {{ L.heldShort }} {{ L.openLive }}

3 very-high · 3 high

1 awaiting supervisor

CASE-0442 · 4h left

34m

↓ 12% vs last week

{{ a.id }} {{ a.cust }} · {{ a.code }} {{ a.amount }} {{ a.risk }}

CASE-0442 · STR review4h

CASE-0441 · investigation12h

CTR-2026-0188 · auto-file36h

2 STR · 1 CTR · 1 CBWT

Last ingestion: Finacle batch · today 02:00 · 214,882 tx · 0 rejects

✦ {{ L.brief }}

1 nearing SLA

STR-2026-0021

96%

2 breaches this month

across 2 analysts

All clear — nothing awaiting your sign-off. New dispositions land here for dual-control review.

P. Nair6 cases

A. Khanna4 cases

Unassigned1 case

Every approval is dual-control: analyst disposition + supervisor sign-off, both hash-chained to the audit trail.

7 live · 2 staged

412

↓ 8% w/w

58%

↓ from 61% · ML assist

100% within FIU window

weekly · rules-only vs ML-assisted

MAYJUNJUL

Champion model XGB-TM v2.3 stable · PSI 0.08 · model governance →

1 suspended

4/5

World-Check degraded

1,284

hash-chain intact

OFAC · UN · EU

{{ c.name }} · {{ c.kind }} {{ c.state }}

W15 · LIVE TRANSACTION MONITOR

{{ lt.ts }} {{ lt.cust }} {{ lt.id }} · {{ lt.ch }} · {{ lt.scoreS }}/100 {{ lt.amt }} {{ lt.flagLabel }}

Transaction detail

{{ liveDet.id }} · {{ liveDet.ch }} · {{ liveDet.ts }} IST · scored in-line in {{ liveDet.latency }}

RISK SCORE{{ liveDet.scoreS }}/100

W16 · QUEUE & SLA MANAGEMENT

Work queues

ROUTING

Analyst workload

SLA 30d

New alerts route by capacity × seniority × typology familiarity · manual overrides are audit-logged

Breached & at-risk1 BREACHED

{{ b.id }} · {{ b.what }}

ESCALATION MATRIX

Breach > 2h → Supervisor · > 8h → Compliance Head · > 24h → COO + board MIS flag. Reminders fire at T-72h / T-24h / T-4h. Every reassignment and nudge is hash-chained to the audit trail.

W2 · ALERT TRIAGE

IDSubject / ruleAmountRisk / status

{{ a.id }} {{ a.cust }} {{ a.code }} · {{ a.channel }} · {{ a.ts }} {{ a.amount }} {{ a.risk }} {{ a.cur }}

{{ selectedAlert.id }} · {{ selectedAlert.ts }} {{ selectedAlert.risk }} RISK

{{ selectedAlert.code }} · {{ selectedAlert.ruleName }}

{{ L.whyFired }} score {{ selectedAlert.score }}/100

✦ AI RECOMMENDATION confidence {{ selectedAlert.aiConf }}

AI-assisted · analyst owns the decision · audit-logged

Every action is hash-chained to the audit trail

W19 · INTERNAL REFERRALS · BRANCH INTELLIGENCE

Staff suspicion referrals

Referral queue

{{ r.branch }} branch · reported by {{ r.by }}

“{{ r.note }}”

Reporter identity is protected · tipping-off the customer is a PMLA offence — referrals never surface in customer-facing systems

Raise a referral

SUBJECT NAME / ID

BRANCH

WHAT DID YOU OBSERVE?

STR source mix · 2026 YTD

Human intelligence catches what rules miss — front-line referrals are a supervisory expectation under RBI KYC Master Direction

W5 · CASE WORKSPACE

Cases

{{ k.typology }} · {{ k.assignee }} · SLA {{ k.sla }} {{ k.risk }}

{{ selectedCase.typology }} · alerts {{ selectedCase.alerts }} · SLA {{ selectedCase.sla }}

Assignee {{ selectedCase.assignee }}
Supervisor {{ selectedCase.supervisor }}

Evidence

{{ e.kind }} · {{ e.label }}

Lifecycle

{{ tl.ts }} · {{ tl.ev }}

Investigation notes

W7 · REGULATORY REPORTING

FIU-IND reports

ReportStatus

{{ r.type }} · {{ r.subject }} · {{ r.caseId }}

STR · CTR · NTR · CCR · CBWT → FINnet 2.0 XML
PMLA Rules 3–8 · filed to FIU-IND, New Delhi

{{ selectedReport.typeName }} · ACK {{ selectedReport.ack }}

FINNET 2.0 · {{ selectedReport.type }}

RE INDB0001247 · {{ bankName }}
FIU-IND · New Delhi

Subject

Typology

Amount

Linked case

Period

Risk class

{{ xml }}

Filing requires
Supervisor sign-off

FILED · AWAITING FIU-IND ACK VIA FINNET 2.0

✓ ACKNOWLEDGED BY FIU-IND · {{ selectedReport.ack }}

W17 · REGULATORY CALENDAR & OBLIGATIONS

Filing deadlines

July 2026IST · FINNET 2.0

overdue statutory due internal target committee

PMLA obligations · reference

Next 30 days

2 DUE THIS WEEK

No filings or reviews due on {{ calSelLabel }} — clear the filter to see the full 30-day schedule.

Reminders auto-fire at T-72h / T-24h / T-4h to the owner and Compliance Head · missed deadlines raise a board MIS flag

W3 · CUSTOMER / ENTITY 360

{{ customer.id }} · {{ customer.type }} · {{ customer.idLine }}

KYC status

Since {{ customer.since }}

PEP status

Branch

Open alerts

Accounts

{{ ac.no }} {{ ac.type }} · opened {{ ac.opened }} {{ ac.bal }}

Linked parties

{{ l.name }} · {{ l.rel }} {{ l.risk }}

Screening summary

Risk drivers

W4 · TRANSACTION EXPLORER

{{ customer.name }} · timeline

{{ customer.id }} · last 10 movements

TimestampDirCounterpartyAmountChannel

CREDITS {{ txCr }}DEBITS {{ txDr }}FLAGGED {{ txFlagN }}

W6 · SANCTIONS / PEP / ADVERSE MEDIA

Screening console

LISTS:

· fuzzy (trigram) + phonetic (Double Metaphone)

Screening “{{ screenQuery }}” against 6 lists…

Candidate matches for “{{ screenQuery }}” 4 hits · 6 lists · 312ms

{{ m.name }}{{ m.ref }} · {{ m.born }} {{ m.list }}

score {{ m.score }} {{ m.band }}

Whitelists are versioned & auditable · portfolio auto-rescreens on every list update

Batch screening

{{ j.n }} · {{ j.ts }}

Nightly full-portfolio rescreen runs at 03:00 IST after list refresh · review hits route to the screening queue with match rationale

W8 · KYC / CDD / EDD

Due-diligence workflows

Onboarding review queue · risk-based classification (RBI KYC MD)

{{ o.name }}{{ o.type }} · {{ o.sub }} {{ o.risk }} {{ o.docs }}

V-CIP · video KYC sessions todayRBI MD COMPLIANT

Liveness check · geotag within India · PAN OVD capture · concurrent officer audit — recordings retained 10 years (RBI KYC Master Direction)

Enhanced due diligence · PEP + high-risk subjects

EDD checklist: source of wealth · source of funds · senior-management approval · ongoing enhanced monitoring

Periodic re-KYC schedule · risk-based cycles

W20 · CUSTOMER RISK RATING ENGINE

Portfolio risk rating · CRR v3.1

Rating movements · dual control

{{ m.name }} {{ m.from }} → {{ m.to }}

{{ m.trigger }} · {{ m.when }}

Upgrades take effect immediately · downgrades require supervisor approval + 90-day cooling period · every move is hash-chained

Portfolio distribution

{{ d.band }}{{ d.n }} · {{ d.pct }}

Rating drives review cycle, EDD depth and transaction thresholds

Model factors · weights

Weights versioned under Model governance · re-rating triggers: new alert, KYC change, list update, dormancy break

W22 · TRADE-BASED MONEY LAUNDERING

Trade finance monitoring

LC / BG price screening · R-11

{{ t.goods }} · {{ t.corridor }}

invoice {{ t.inv }} vs benchmark {{ t.bench }} {{ t.dev }}

Unit prices checked against UN Comtrade + DGFT export values per HS code · deviations ≥ ±35% queue here

Vessel & goods checks

TBML RED FLAGS MONITORED

Over / under-invoicing · multiple invoicing of one shipment · short / over shipment · phantom shipments · dual-use goods · circular trade with related parties (matches the Meridian cluster in Network graph).

W23 · AI DETECTION HUB

✦ Beyond rules — what the models found

Peer-group anomalies · no rule fired

{{ a.cust }} {{ a.seg }} anomaly {{ a.scoreS }}

IsoForest-PG v1.2 scores every customer nightly against 40+ peer-segment baselines · SHAP attribution on every surfaced case

Typology discovery · unsupervised clusters

Drafted rules land STAGED in Rule authoring — backtest + Compliance Head sign-off before going live

Entity resolution · merge candidates

≡ likely same entity as

Merging consolidates accounts, alerts and network edges into one risk view — structuring across identities becomes visible

CONTINUOUS LEARNING LOOP

Every analyst disposition (1,284 this quarter) feeds the challenger model. Current lift: +12% alert yield, −9% false positives vs champion. Next governed retrain 01 Aug — promotion needs Compliance Head sign-off after the 30-day shadow run. Every AI-assisted action is tagged and hash-chained in the audit trail.

W9 · NETWORK / LINK ANALYSIS

Entity graph · Choudhary cluster

₹52.0L

₹51.4L

Subject Family / personal Corporate Suspected shell / mule Circular flow ₹52L / 36h

Detected patterns

W10 · INVESTIGATOR COPILOT

✦ Copilot · CASE-0442

Grounded context

Drafts are marked AI-assisted and require analyst review + supervisor sign-off before filing. Every prompt and response is logged to the audit trail.

Copilot is drafting from case-file data…

W11 · RULE / TYPOLOGY AUTHORING

Detection rules

IDRuleThreshold / conditionStatusFired · 7dFP rateActions

{{ r.fired }} alerts {{ r.fp }}

Rule changes are versioned · staged rules run in shadow mode (no analyst alerts) · enable/disable requires Compliance Head role

W12 · MODEL GOVERNANCE

Champion – challenger

XGB-TM v2.3CHAMPION · LIVE

AUC-ROC

0.914

PRECISION@100

0.62

PSI (30D)

0.08

Approved 02 May 2026 · validated by model risk committee · SHAP explanations attached to every scored alert.

XGB-TM v2.4CHALLENGER · SHADOW D22/30

AUC-ROC

0.921

PRECISION@100

0.67

FP REDUCTION

−9%

Running in shadow on 100% of traffic — no analyst-visible alerts. Promotion gated on 30-day stability + committee sign-off.

Global feature importance · SHAP

mean |SHAP value| across last 30 days of scored alerts

Population stability

weekly PSI · alert threshold 0.2

All weeks below 0.2 threshold — no drift retraining triggered. Next scheduled validation: 01 Aug 2026.

W21 · LAW ENFORCEMENT & COURT REQUESTS

LEA request register

Active requests1 ACTION REQUIRED

{{ l.from }} · {{ l.ref }}

Intake via registered post / email is logged within 24h · authenticity verified against issuing authority before any action

HANDLING PROTOCOL

1 · Log & verify issuing authority
2 · Legal review — scope & validity
3 · Freeze / retrieve within mandated window
4 · Compliance Head sign-off on response
5 · Archive under legal hold (no purge)

Legal holds

Records under legal hold are excluded from the 10-year purge cycle until released by Legal

W13 · AUDIT TRAIL

Immutable audit log

TimestampActorActionTargetRow hash

{{ a.ts }} {{ a.actor }} {{ a.action }}THIS SESSION {{ a.target }} {{ a.hash }}

Append-only · each row hash-chains to the previous · daily anchor checkpoint notarised · 10-year retention (PMLA Sec 12)

W18 · DATA INGESTION & FEED HEALTH

Pipelines & data quality

Feeds & connectors

Canonical model v3 · Finacle mapping v12 · 148/151 fields mapped, 3 defaulted

Data quality · field checks

EOD reconciliation · {{ reconTs }}

Orphans quarantine to a review queue · variance > ₹1 blocks the scoring run and pages on-call

BANK API INTEGRATION POINTS

POST /v1/ingest/transactions — CBS batch & API drop kafka: upi.tx.v1 · rtgs.tx.v1 · card.tx.v1 — real-time streams GET /v1/screen/:entity — sanctions · PEP · adverse media POST /v1/filings/finnet — STR / CTR to FIU-IND (mTLS) GET /v1/audit/extract — signed regulator handover

The demo stream is a drop-in simulator behind this same contract — connect a real CBS via the Administration wizard and live data flows with zero UI changes.

W14 · ADMINISTRATION

Users, connectors & lists

Onboard a bank / branch system

Guided setup: core selection → field mapping → test → shadow-mode go-live

STEP 1 OF 3 · SELECT CORE BANKING SYSTEM

Pre-built adapters ship with field-mapping templates, file-format validators and replay support

STEP 2 OF 3 · FIELD MAPPING · {{ wzCbs }}

151 canonical fields · 148 auto-mapped from the {{ wzCbs }} template · 3 need defaults:

branch_region → ZONE_WEST scheme_code → RETAIL_DEFAULT channel_subtype → UNKNOWN

STEP 3 OF 3 · TEST & ACTIVATE · {{ wzCbs }}

✓ Handshake OK · SFTP reachable · sample parsed 500 rows · 0 rejects · schema v3 valid

Shadow mode runs 7 days in parallel with reconciliation before alerts go live · activation requires Administrator

AML training & attestation · FY 2026-2792% COMPLIANT

{{ t.name }} · {{ t.role }}

{{ t.module }} · {{ t.due }}

Annual PMLA refresher is mandatory for customer-facing staff · overdue > 30 days auto-suspends system access · attestation hashes stored in the audit chain

Users & RBAC

{{ u.name }} · {{ u.role }} {{ u.status }}

Roles gate every screen & action · OAuth SSO · sessions revoked on suspension

Connectors