Family C · Managing risk and compliance
MeshFin Screen
AML/CTF, sanctions and ongoing due diligence
Parties and payments screened against sanctions and politically exposed person lists with false matches resolved from the record; unusual patterns detected against the customer's own profile and the typologies; cases assembled with the report drafted; and the suspicious matter report lodged only by the compliance officer.
MeshFin Screen (MF-17), the service for aml/ctf, sanctions and ongoing due diligence, is one of the twenty-four MeshFin services, in the "Managing risk and compliance" family, which follows the BIAN Risk and Compliance business area. It covers the BIAN service domains Regulatory Compliance, Guideline Compliance, Compliance Reporting, Legal Compliance, Party Authentication, Party Reference Data Directory and Customer Behavior Insights in whole or in part. Parties and payments screened against sanctions and politically exposed person lists with false matches resolved from the record; unusual patterns detected against the customer's own profile and the typologies; cases assembled with the report drafted; and the suspicious matter report lodged only by the compliance officer. It replaces transaction monitoring system, sanctions screening tool, aml case management and suspicious matter reports drafted by hand. AI agents carry the work end to end; a named person takes every decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation. It is core for a universal and retail bank, core for a mutual and community bank, core for a non-bank lender and fintech.
BIAN service domains this service covers
In the BIAN Risk and Compliance business area of the Service Landscape 14.0, in whole or in part. Lay this over your own BIAN map to see what MeshFin Screen covers and what stays. BIAN has not reviewed or endorsed MeshFin.
- Regulatory Compliance
- Guideline Compliance
- Compliance Reporting
- Legal Compliance
- Party Authentication
- Party Reference Data Directory
- Customer Behavior Insights
What it replaces
- Transaction monitoring system
- Sanctions screening tool
- AML case management
- Suspicious matter reports drafted by hand
What it reacts to
- Onboarding hands over a customer
- Transaction pattern detected
- Sanctions list updated
- Adverse media found
- Periodic review falls due
- Regulator or law enforcement request
The agents that carry it
Screening agent
Screens parties and payments against sanctions and PEP lists, resolves false matches from the record and explains every match it keeps.
Monitoring agent
Detects unusual patterns against the customer's profile and the published typologies, and scores them with the reasons.
Investigation agent
Assembles the case: KYC, transactions, counterparties, media; drafts the suspicious matter report with the typology cited.
Review agent
Runs ongoing customer due diligence on the schedule the risk rating sets, and raises what has changed.
Where a person decides
No decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation is taken by an agent alone. In MeshFin Screen, these decisions are held for a named person, with the agent's evidence and recommendation attached.
| Decision | Who decides | Why a person |
|---|---|---|
| Lodging a suspicious matter report | AML/CTF compliance officer | Statutory |
| Exiting a customer | Accountable executive | Legal effect on a person |
| Release of a sanctions match | Sanctions officer | Statutory |
Records it writes
Screening result · Case file · Report lodged with the financial intelligence unit · Due diligence review record
Before MeshFin: the baseline this service is measured against
Illustrative figures for a mid-sized institution on the systems the service replaces. Sample data, not a customer's. A live service reports what its agents are doing instead.
Alerts a month
31,000
Closed as false positive
96%
today, each by hand
Case to report
19 days
median today
Reviews overdue
9%
of higher-risk customers today
Institutions: core for a universal and retail bank, core for a mutual and community bank, core for a non-bank lender and fintech. Universal and retail bank ● · Mutual and community bank ● · Non-bank lender and fintech ●.
Questions banks ask about MeshFin Screen
- What does MeshFin Screen do?
- MeshFin Screen is the MeshFin service for aml/ctf, sanctions and ongoing due diligence. Parties and payments screened against sanctions and politically exposed person lists with false matches resolved from the record; unusual patterns detected against the customer's own profile and the typologies; cases assembled with the report drafted; and the suspicious matter report lodged only by the compliance officer. It reacts to events such as onboarding hands over a customer, transaction pattern detected and sanctions list updated, and writes screening result, case file, report lodged with the financial intelligence unit and due diligence review record as records.
- Which BIAN service domains does MeshFin Screen cover?
- Regulatory Compliance, Guideline Compliance, Compliance Reporting, Legal Compliance, Party Authentication, Party Reference Data Directory and Customer Behavior Insights, in the BIAN Risk and Compliance business area, in whole or in part. The mapping is to the published BIAN Service Landscape; BIAN has not reviewed or endorsed MeshFin.
- What systems does MeshFin Screen replace?
- Transaction monitoring system, Sanctions screening tool, AML case management and Suspicious matter reports drafted by hand. Because the service runs on the MeshFin platform, the licence, integration and upgrade costs of those systems retire with them.
- What do the AI agents do in aml/ctf, sanctions and ongoing due diligence?
- The screening agent screens parties and payments against sanctions and PEP lists, resolves false matches from the record and explains every match it keeps. The monitoring agent detects unusual patterns against the customer's profile and the published typologies, and scores them with the reasons. The investigation agent assembles the case: KYC, transactions, counterparties, media; drafts the suspicious matter report with the typology cited. The review agent runs ongoing customer due diligence on the schedule the risk rating sets, and raises what has changed.
- Which decisions does a person still take?
- Agents never take a decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation. In MeshFin Screen, a person decides lodging a suspicious matter report (aml/ctf compliance officer), exiting a customer (accountable executive) and release of a sanctions match (sanctions officer). The record shows who decided, why, on what evidence and under which delegation.