Positive pay and compliance for community banks

Positive Pay and Compliance That Fits Your Existing Workflow

Automate positive pay and real-time KYC/AML checks, without asking your BSA team to change how they work.

  • Positive pay exceptions surface as items are presented, not after an overnight batch.
  • KYC and AML checks run before an account is created in the core.
  • Limits and rules already configured in your core are inherited, not re-entered.

Talk to our team about your current stack.

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Compliance that plugs into what you already run

Positive pay and KYC/AML checks are designed to run inside the bank's existing compliance framework rather than replace it. The goal is less manual review, not another system for the BSA team to learn.

Your framework stays in place

Your policies, thresholds, and escalation paths remain the source of truth. Checks are configured against them instead of introducing a parallel rule set to maintain.

Less manual review, not more tooling

Automating the repetitive checks reduces the volume that reaches an analyst. Items that still need judgment arrive with the context needed to make the call.

Auditable by design

Every check, decision, and override is recorded with a timestamp and actor, so the evidence an examiner asks for can be produced from the record itself.

What the platform handles

Three capabilities, scoped to how operations and risk teams actually work.

Real-time positive pay

Exception review and check matching happen as items are presented, without waiting on an overnight batch file. Operations sees the exception in time to act on it the same day.

KYC/AML before account creation

Identity, fraud, and AML checks run in real time during onboarding, before any account is opened in the core, so a rejected applicant never becomes a record to clean up later.

Fits your existing tools

The platform is built to work alongside the compliance tooling your BSA team already uses. Which integrations apply depends on your stack, so we scope that with your team during discovery rather than assuming it.

Talk to our team

How implementation runs

Four steps, each scoped with your operations and risk teams before it starts.

  1. Step 01

    Discovery call on your positive pay and compliance stack

    We map what you run today: your positive pay process, your KYC and AML tooling, and where manual review is consuming the most time.

  2. Step 02

    Connect middleware to your core

    The integration layer is configured against your core for real-time reads and writes, inheriting the limits and rules already defined there.

  3. Step 03

    Launch real-time positive pay and KYC/AML checks

    Checks go live against real volume, with exception handling routed to the people and queues your team already uses.

  4. Step 04

    Extend to broader fraud and compliance workflows

    Once the first checks are running, additional fraud and compliance workflows are added on the same infrastructure.

How the checks operate

Real time
positive pay
Checks run automatically as items present, not as an end-of-day batch
Pre-account
KYC/AML
Compliance checks run before an account is created in the core
Existing queues
for review
Exceptions route into the review process your team already runs
Your core's rules
inherited
Checks use the limits and rules already configured in the core

Questions compliance and operations teams ask us

How is this different from a batch positive pay process?

A batch process compares issued-item files against presented items on a fixed schedule, so an exception is only visible after the file runs. Here the comparison happens as items are presented, which means an exception can be reviewed and decisioned within the same business day rather than the next one.

What KYC and AML checks run, and when?

Identity verification, fraud screening, and AML checks run during the application, before an account is created in the core. The specific checks, thresholds, and providers depend on your policy and your existing stack, and are configured against them rather than fixed by the platform.

How does this integrate with our existing AML and BSA tooling?

We integrate with the compliance tools you already use. What that looks like depends on your specific stack and the interfaces those tools expose, so talk to us about what you run and we will scope the integration against it rather than describing a generic capability.

How is data handled, and what does the audit trail look like?

Checks, results, decisions, and overrides are recorded with timestamps and the acting user, so the sequence of events on any item can be reconstructed. Data handling follows the bank's retention and access policies, and access is scoped by role.

What changes for the BSA team's day to day?

The intent is to reduce manual review volume rather than change how the team works. The exact impact depends on your current process and tooling, so we walk through it with your team during discovery instead of estimating it in advance.

Ready to see
it work?

30 minutes with the team that builds it. We walk through your current positive pay and compliance process and show where the checks would run.

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