Compliance Agent

CTR Filing

Automated preparation and filing of FinCEN CTRs for transactions over $10,000.

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Where it Helps

The CTR Filing agent uses AI to detect and aggregate qualifying cash transactions, then automatically pre-fills the FinCEN Currency Transaction Report with subject, transaction, and institution details pulled from case data. Compliance analysts receive a draft filing ready for review instead of building it by hand. Analysts confirm the draft, resolve any flagged exceptions, and submit, with the full filing history retained for audit and exam purposes.

Key Capabilities

Automatic Threshold Detection

Identifies same-day cash transactions that cross the $10,000 CTR reporting threshold.

Multi-Transaction Aggregation

Combines related transactions across accounts and tellers into a single qualifying filing.

Auto-Populated Filing Fields

Subject, transaction, and institution fields are pre-filled from customer and transaction data.

Exception Flagging

Missing or inconsistent data is flagged for analyst review before submission.

Filing Deadline Tracking

Tracks the required filing window and surfaces upcoming and overdue CTRs.

Analyst Review and Approval

Every draft CTR is reviewed and approved by a compliance analyst before filing.

Full Audit Trail

Filed CTRs, supporting data, and approvals are retained for exam and audit review.

How it Works

Transaction Monitored

Agent scans daily cash transactions and detects those meeting the CTR threshold.

Transactions Aggregated

Same-day related transactions across accounts are combined into a single qualifying event.

Draft CTR Prepared

Agent auto-fills the FinCEN CTR form fields from subject and transaction data.

Analyst Reviews and Files

Analyst confirms the draft, resolves flagged exceptions, and submits the filing.

Popular Use Cases

Retail Banking

Aggregates teller cash deposits and withdrawals across branches to identify reportable transactions.

Business Banking

Tracks structuring patterns across related business accounts to ensure accurate threshold aggregation.

Money Services Businesses

Prepares CTRs for high cash-volume MSB customers with consistent, auditable documentation.

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