For NBFCs and institutions with strict Bank Secrecy Act obligations, compliance is not a feature you configure after launch. SAR generation, OFAC screening, and perfect audit trails are built natively into the Metagens.ai ledger.
Every fintech platform in the market claims compliance capabilities. Few Lenders say 'AML and KYC compliant' — meaning the platform meets the standard. Few uses 100+ external data partner integrations for compliance data. Few offers compliance-as-a-service — a managed compliance layer on top of their technology
When your LOS has to make an external API call to check OFAC sanctions, it creates a processing window. It creates a gap between the loan record and the compliance record. When a regulator audits your book, you spend weeks manually reconciling logs across different vendors.
Metagens.ai eliminates the gap. A loan application and the AML risk assessment for that application are the exact same database transaction. An OFAC hit halts the payment in the same processing cycle that initiated it. The audit trail is flawless from day one because there is only one system to audit.
Meet your Bank Secrecy Act (BSA) and regulatory obligations with a compliance engine engineered directly into the core ledger. Metagens.ai executes real-time transaction monitoring, OFAC screening, and automated SAR generation in the exact same cycle as your lending decisions—eliminating API data gaps and guaranteeing perfect audit readiness from day one.
FinCEN Standards Suspicious Activity Reports generated automatically when monitoring thresholds are met. FinCEN-required data fields populated from the platform’s own records — not assembled from external sources. Compliance teams review and file. The system does the preparation
screening customer and transaction screening against OFAC’s SDN list, consolidated US sanctions programmes, and global watchlists. Screening at onboarding and continuously through the customer lifecycle. Live screening — not a periodic batch check.
enhanced Due Diligence Politically Exposed Person identification at onboarding. Flagging for enhanced due diligence. Integration with international PEP databases. Applied to every new borrower, counterparty, and beneficial owner
transaction monitoring every financial transaction evaluated in real time against your configured monitoring rules — thresholds, patterns, velocity checks, risk scoring criteria. No overnight batch cycle. No window where a suspicious transaction can pass before monitoring runs
investigator dashboards and suspicious activity alerts routed to compliance team dashboards. Investigation workflows, evidence collection, and case documentation within the platform. Case history connected to the original transaction, borrower record, and prior AML history.
The Metagens.ai platform is built with US regulatory requirements as first-class design constraints — not retrofitted
For specific state-level lending licence requirements, CFPB obligations, or BSA programme documentation requirements — we recommend a direct conversation with our team and your compliance counsel. We will give you an honest answer about what the platform covers and what falls outside the infrastructure layer.
written AML programme support with SAR generation and OFAC screening
SAR filed to FinCEN format and content specifications
SDN list screening and consolidated sanctions programme screening
NACHA specification for disbursements and native message format for payments
Yes, but we would want to understand the architecture before recommending it. The primary advantage of Metagens.ai's native AML engine is that it runs in the same transaction as lending and payment events — no API gap, no sync delay, no separate SLA. Introducing an external AML vendor re-introduces the integration complexity the native engine eliminates. Speak to us about your specific requirements — there may be a hybrid approach that makes sense for your transition period.
The platform covers BSA, OFAC, and FinCEN SAR requirements that apply to credit unions under the Bank Secrecy Act. NCUA-specific examination requirements and credit union-specific regulatory filings are best reviewed in a direct conversation with our team. Mambu has invested specifically in the US credit union market (2025 launch); we take a product-fit-first approach rather than a market-first approach.
From day one of deployment. The audit trail, SAR records, OFAC screening logs, and case management history are generated automatically from the first transaction. There is no compliance configuration project after deployment and no retrospective data assembly required. The audit trail is complete because there is only one system keeping it.
Full-stack fintech infrastructure for teams building lending products in the US market. Lending. AML. Payments. Core Banking. Cards. One deployment. Built native. Not assembled.
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