From Alert to
Attested SAR
Alert to attested, filing-ready SAR or CTR — with a tamper-evident audit trail your examiners can verify. Runs alongside Verafin or Actimize.
From alert to attested SAR.
Core banking data, payment rails, and incumbent alerts enter on the left. The Analyst investigates on a Merkle-anchored record. What surfaces is filing-ready and examiner-proof.
The Analyst investigates. The chain attests.
Triages the alert queue, gathers cross-pillar evidence, and drafts SAR narratives with citations. Proposes escalate, close, or hold — never files alone.
Tamper-evident by construction. Every alert, evidence pull, draft, and decision anchors to a chain your examiner can independently verify.
One case. Two passes. Five stages.
Case-side stages take an alert to a decision. Assurance-side stages make the program defensible and sharper every release.
See Cernio in Action
Five steps from the overview dashboard to SAR filing. The live demo runs on synthetic data only.
5 Stages of Financial Crime Defense
One loop, one audit chain, organized around what a BSA officer actually does, not a vendor's feature list. Senior Shield (elder financial exploitation) is the flagship threaded through each stage.
Detect
- 25-scenario AML / BSA baseline
- Real-time fraud rail detection
- OFAC + EU + UK HMT sanctions
- Benefits-fraud proceeds in deposit accounts
- Senior Shield / EFE: 19 detectors, 8 scam typologies
- FinCEN FIN-2022-A002: 15 of 24 red flags covered
TM, sanctions, fraud, benefits-proceeds, and watchlist signals on a BIAN v12 canonical model — real-time, sub-500ms.
Investigate
- AI triage by typology and score
- Cross-pillar evidence gathering
- SAR narrative drafting with cited evidence
- EFE scam-typology classification
- Prior-case citations
Cernio Analyst triages the queue, gathers cross-pillar evidence over MCP, and drafts SAR narratives before a human touches the case.
Decide
- Configurable HITL tiers (T0-T3) per filing type
- CTRs: straight-through under institution policy (configurable)
- SARs: BSA officer review and attestation required
- EFE SARs hard-pinned to human decision
- Trusted-contact outreach and step-up verification
- Safe-disbursement hold (state-specific)
- FinCEN BSA E-File 2.0 XML — filing-ready, w/ built-in SDTM batch submission (activates at FinCEN enrollment)
- 15-day and 30-day deadline tracking w/ daily overdue alerts
HITL tiers (T0-T3) set the human gate separately for CTRs and SARs — EFE SARs always require officer attestation.
Defend
- FFIEC exam-prep packs
- Merkle-anchored audit chain
- EFE signal chain export for examiners
- Regulator view mode + PDF
- NY DFS Part 504 attestations
Exam-prep packs cover risk assessment, scenario inventory, sample cases, AI-decision audit, and training records.
Improve
- FN weighted 10x FP in eval
- Per-typology scores published (incl. Senior Shield)
- Per-release eval harness
- Independent benchmarking
Eval harness gates every release touching detection logic — false negatives weigh 10x false positives.
Three Reasons Institutions
Choose Cernio
Cernio adds the investigation-to-filing layer your team does manually today and closes the exam gap your incumbents leave open.
Alert to Filing. One Flow.
Picks up where Verafin, Actimize, or Abrigo stop. Carries the case through triage, investigation, SAR/CTR composition, BSA-officer attestation, and FinCEN-schema-validated export. AML, fraud, sanctions, benefits-proceeds, and compliance under one audit chain.
Your VPC. Your Data.
Single-tenant: direct Anthropic API, customer-cloud LLM (Bedrock, Vertex, Azure), or fully sandboxed with no outbound network. Member data never egresses your environment. BYOK to your KMS, SSO to your IDP.
Defensible to Any Examiner.
Every AI decision, officer action, and record access is Merkle-anchored and logged — EFE SARs are always human-confirmed.
Agentic, Auditable, and Always On
Triages alerts, gathers evidence over MCP, and drafts narratives including EFE cases. Your BSA officer reviews and approves before anything leaves the building.
Triages the Alert Queue
Ranks every alert by typology and score across all five pillars — P1 structuring surfaces first, P2 fraud triggers automatic Reg E holds.
Drafts SAR and CTR Narratives
Gathers evidence over MCP and composes filing-ready FinCEN BSA E-File 2.0 XML with cited evidence and prior-case citations. Batches submit over FinCEN’s SDTM channel with acknowledgment tracking to the assigned BSA ID.
Proposes, Escalates, and Documents
Proposes escalate / close / hold with a confidence score and rationale — the BSA officer confirms or rejects every time.
Detect Fraud on Benefits Proceeds.
Protect direct-deposit streams for seniors, veterans, and low-income benefit recipients.
Federal benefits are a fixed income stream — and a fraud target. Benefits Integrity applies Senior Shield's alert-to-attested-SAR process to benefit-proceeds typologies.
Scope of v1
v1 analyzes benefits proceeds entering and moving through the deposit account. EBT card transactions are not in scope. The detection window is the deposit account: what comes in, how it moves, and to whom.
Benefits proceeds detection
Six live detectors cover the principal fraud patterns in deposit accounts holding benefits proceeds. Each produces a RuleSignal record that feeds into the case management and scoring engine.
UI fraud laundering
UI benefits arrive, then fan out rapidly to multiple counterparties, the hallmark of mule networks processing fraudulent UI claims. The detector flags the rapid-fan-out shape after a UI ACH credit, correlated against the mule-cluster graph.
NACHA's 2026 risk-based ACH fraud-monitoring requirements apply to all ODFIs. This detector directly supports that obligation for UI-related ACH inflows.
SNAP/EBT trafficking proceeds
SNAP benefits arrive as round-dollar credits, then drain in a pattern inconsistent with grocery spending — trafficking, not household spending. Scope: SNAP credits in the deposit account, not EBT card-level transactions.
Medicaid provider billing anomalies
Medicaid-associated inflows deviate from a peer-cohort billing baseline for similar provider types and geographies. Statistically anomalous billing rates are a primary indicator of provider fraud laundering through deposit accounts.
Cross-program eligibility overlap
A deposit account receives inflows from programs with prohibited simultaneous enrollment, for example UI and PUA in the same period, or SSI alongside ineligible income. The detector flags these cross-program conflicts for compliance review.
Synthetic-identity benefits harvesting
A recently opened account with no history receives benefits inflows, then drains rapidly — the synthetic-identity capture pattern. Signals: account age, no history, rapid drain.
Mule-network recipient overlap
After a benefits inbound, the account sends funds to counterparties with a high fraction of members flagged in the mule-cluster graph. This catches cases where the immediate fan-out is obscured but the eventual counterparty network is identifiable.
Direct-deposit diversion protection
Federal benefit streams (SSA, SSI, SSDI, VA) are a high-value rerouting target — a fraudster reroutes ACH deposit routing before disbursement, and the money never reaches the recipient.
DIRECT_DEPOSIT_ROUTING_CHANGE (ACCOUNT_CONTEXT layer, ADR-0059) — routing change + benefits inbound within 30 dayscernio.security.v1.DirectDepositRoutingChangeEvent) — without it, mule-overlap and drain detection still cover most high-confidence casesBenefits red-flags and Senior Shield routing
Benefits fraud hits hardest people with no other income: seniors, veterans, and low-income households. One stolen disbursement can mean missed rent, skipped medication, or hunger.
Any party enrolled in Senior Shield (by age threshold, staff enrollment, member self-request, or risk-trigger) receives escalated treatment for benefits red-flags:
- Early-warning score for any benefits signal receives an additive bump.
- Hold-confidence floor is lower: a benefits red-flag on an enrolled senior triggers a hold at a lower score threshold than for non-enrolled accounts.
- Trusted-contact outreach initiates automatically for any hold affecting an enrolled member with a trusted contact on file.
- Cernio Analyst generates a case narrative with the benefits signals, the member's enrollment basis, and the recommended intervention.
The VulnerableCustomerAttributes protobuf record (senior_shield_enrolled flag) is the authoritative enrollment gate. When set, every benefits red-flag routes through Senior Shield treatment. A BSA officer reviews every hold before any action is final.
Exam defensibility
Every benefits detection signal maps to a regulatory anchor:
Single-tenant deployment
All detection runs inside your VPC on your keys. No benefits, member, or transaction data leaves your environment. cernio.adalma.ai uses synthetic data only.
Three Agent Execution Modes.
One Customer VPC.
Single-tenant in your VPC. Your KMS keys. Your network controls. Standard Kubernetes, Helm + ArgoCD. BYOK to your KMS, SSO to your IDP. No multi-tenant production SaaS.
Mode A: Direct Anthropic API
Standard Anthropic API. Lowest barrier to entry, fastest path to production. Suitable for institutions comfortable with cloud LLM calls from within their VPC perimeter.
Mode B: Customer-Cloud LLM
Bedrock, Vertex, or Azure. Your cloud, your model, your compliance posture. No data leaves your cloud boundary.
Mode C: Sandboxed VPC Agent
Fully sandboxed agent inside your VPC, no outbound network. Support reaches you only via MCP tunnels you initiate and audit. Maximum security for the most sensitive environments.
Frequently Asked Questions
How Cernio stacks up against the incumbents and what makes it different.
See Cernio work a Senior Shield case — alert to filing-ready.
30 minutes. Working demo on synthetic data. Written deployment plan for your core and KMS posture. No commitment, no multi-tenant SaaS.
Talk to our team
Tell us a little about your team and we'll set up a walkthrough.