How Does MANTL Ensure BSA/AML Compliance?
MANTL helps banks and credit unions operationalize BSA/AML requirements in digital account opening by orchestrating CIP/KYC, sanctions screening, risk scoring, and audit-ready records across every channel—without slowing down approvals or funded accounts.
MANTL supports BSA/AML compliance by embedding risk-based customer due diligence directly into digital onboarding. Institutions configure CIP/KYC data capture, OFAC and watchlist checks, identity verification, and risk scoring so that high-risk applicants trigger enhanced due diligence and manual review, while low-risk customers move quickly to approval and funding. Every decision, document, and exception is stored with audit-ready trails, reporting, and reviewer notes that plug into your existing BSA/AML and core banking stack.
What Does BSA/AML-Ready Digital Account Opening Look Like?
The MANTL + BSA/AML Compliance Playbook
Use this sequence to align digital account opening with your BSA/AML program—so you can grow funded accounts while maintaining strong defenses against money laundering and financial crime.
Design → Orchestrate → Screen → Score → Review → Approve/Fund → Monitor → Evidence
- Design risk-based standards: Map your BSA/AML program into journeys: which products, channels, and geographies require EDD, additional documentation, or limits.
- Orchestrate CIP/KYC in MANTL: Configure mandatory fields, document types, IDV providers, and data validation rules for consumers, small businesses, and complex entities.
- Screen against sanctions & lists: Call OFAC and third-party watchlists during onboarding; block or queue high-risk matches for BSA officer review.
- Apply dynamic risk scoring: Combine customer attributes, device and behavioral data, and product selection to calculate a real-time risk rating for each applicant.
- Route to the right review path: Auto-approve low-risk customers, send medium-risk to analyst queues, and require enhanced documentation for high-risk profiles.
- Approve, fund, and activate safely: Once cleared, push approvals to the core, fund accounts, and control limits, with BSA/AML risk data following the customer downstream.
- Monitor and feed your BSA/AML system: Pass structured onboarding and risk data to your AML transaction monitoring and case management platforms to enrich alerts and SAR decisions.
- Capture evidence & demonstrate control: Maintain end-to-end logs of policy configurations, exceptions, approvals, and escalations for regulators and internal audit.
BSA/AML Digital Onboarding Capability Matrix
| Capability | From (Ad Hoc) | To (Operationalized) | Owner | Primary KPI |
|---|---|---|---|---|
| CIP/KYC Data Capture | Paper forms, manual keying, inconsistent fields by channel | Standardized digital workflows across web, mobile, branch with required fields by customer and product type | BSA Officer / Compliance | CIP Completion Rate, Exception Volume |
| Sanctions & Watchlist Screening | End-of-day batch screening | Real-time OFAC/PEP/adverse media checks embedded in onboarding | BSA / AML Operations | Screening Latency, True Positive Rate |
| Risk Scoring & EDD | Static, one-size-fits-all risk ratings | Configurable scores based on customer, product, geography, and channel with clear EDD triggers | BSA Governance | High-Risk Mix, EDD Turnaround Time |
| Case Management & Review | Email-based approvals, scattered notes | Structured queues, checklists, and decision logs tied to each application | AML Operations | Queue Aging, Review Quality Findings |
| Integration with AML Platforms | Minimal onboarding data in monitoring systems | Rich customer, product, and risk data feeding transaction monitoring and SAR workflows | Technology / Risk Analytics | Alert Precision, SAR Decision Cycle Time |
| Audit & Regulatory Response | Manual evidence gathering across systems | Centralized, exportable audit trails showing policy, configuration, and decisions | Internal Audit / Compliance | Exam Findings, Time to Respond |
Client Snapshot: From Manual KYC to Digital, Risk-Based Onboarding
A regional bank used MANTL to digitize CIP/KYC, embed sanctions screening, and standardize EDD across consumer and small business accounts. Within months, they reduced manual onboarding errors, shortened approval times, and improved examiner confidence in their BSA/AML controls—while increasing funded accounts. Want to see how marketing, risk, and operations align to drive safer growth?
Pair a modern digital account opening experience with a documented, risk-based BSA/AML framework so you can acquire more of the right customers, keep regulators confident, and protect your institution from financial crime.
Frequently Asked Questions about MANTL and BSA/AML Compliance
Make BSA/AML a Growth Enabler, Not a Bottleneck
We’ll help you connect MANTL, marketing, and BSA/AML operations so digital account opening grows funded accounts while strengthening your control environment.
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