AML & Compliance
What is bank Secrecy Act (BSA)?
A United States federal law enacted in 1970 that requires financial institutions to assist government agencies in detecting and preventing money laundering. The BSA mandates recordkeeping and reporting requirements, including Currency Transaction Reports (CTRs) for transactions exceeding $10,000 and Suspicious Activity Reports (SARs) for potentially illicit activity. It forms the foundation of the U.S. AML regulatory framework.
How it works
Example: A community bank files a CTR after a customer deposits $12,000 in cash, as required by the BSA, and separately files a SAR after noticing the customer has made similar deposits at three other branches within the same week.
Veja o Oscilar em ação.
Fraude
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 48 48" xmlns="http://www.w3.org/2000/svg"><g d="M 0 48 L 0 0 L 48 0 L 48 48 Z M 44.447 0 L 3.544 0 C 1.584 0 0 1.547 0 3.459 L 0 44.531 C 0 46.444 1.584 48 3.544 48 L 44.447 48 C 46.406 48 48 46.444 48 44.541 L 48 3.459 C 48 1.547 46.406 0 44.447 0 Z M 14.241 40.903 L 7.116 40.903 L 7.116 17.991 L 14.241 17.991 Z M 10.678 14.869 C 8.391 14.869 6.544 13.022 6.544 10.744 C 6.544 8.466 8.391 6.619 10.678 6.619 C 12.956 6.619 14.803 8.466 14.803 10.744 C 14.803 13.013 12.956 14.869 10.678 14.869 Z M 40.903 40.903 L 33.787 40.903 L 33.787 29.766 C 33.787 27.113 33.741 23.691 30.084 23.691 C 26.381 23.691 25.819 26.588 25.819 29.578 L 25.819 40.903 L 18.712 40.903 L 18.712 17.991 L 25.537 17.991 L 25.537 21.122 L 25.631 21.122 C 26.578 19.322 28.903 17.419 32.362 17.419 C 39.572 17.419 40.903 22.163 40.903 28.331 L 40.903 40.903 Z" fill="transparent" height="48px" id="adFk4VB3K" width="48px"><path d="M 0 48 L 0 0 L 48 0 L 48 48 Z" fill="transparent" height="48px" id="DghPi7XP3" width="48px"/><path d="M 44.447 0 L 3.544 0 C 1.584 0 0 1.547 0 3.459 L 0 44.531 C 0 46.444 1.584 48 3.544 48 L 44.447 48 C 46.406 48 48 46.444 48 44.541 L 48 3.459 C 48 1.547 46.406 0 44.447 0 Z M 14.241 40.903 L 7.116 40.903 L 7.116 17.991 L 14.241 17.991 Z M 10.678 14.869 C 8.391 14.869 6.544 13.022 6.544 10.744 C 6.544 8.466 8.391 6.619 10.678 6.619 C 12.956 6.619 14.803 8.466 14.803 10.744 C 14.803 13.013 12.956 14.869 10.678 14.869 Z M 40.903 40.903 L 33.787 40.903 L 33.787 29.766 C 33.787 27.113 33.741 23.691 30.084 23.691 C 26.381 23.691 25.819 26.588 25.819 29.578 L 25.819 40.903 L 18.712 40.903 L 18.712 17.991 L 25.537 17.991 L 25.537 21.122 L 25.631 21.122 C 26.578 19.322 28.903 17.419 32.362 17.419 C 39.572 17.419 40.903 22.163 40.903 28.331 L 40.903 40.903 Z" fill="rgb(20, 20, 20)" height="48px" id="Qi9pnIQwR" width="48px"/></g></svg>)
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 48 48" xmlns="http://www.w3.org/2000/svg"><path d="M 34.653 0 L 41.4 0 L 26.659 16.847 L 44 39.772 L 30.422 39.772 L 19.788 25.868 L 7.62 39.772 L 0.869 39.772 L 16.635 21.752 L 0 0 L 13.922 0 L 23.535 12.709 Z M 32.285 35.734 L 36.023 35.734 L 11.891 3.826 L 7.879 3.826 Z" fill="rgb(20, 20, 20)" height="39.77194px" id="A8r2uGwai" transform="translate(2 3.808)" width="44px"/></svg>)
Recursos
©2025 Oscilar. Todos os direitos reservados.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.
Veja o Oscilar em ação.
Fraude
Recursos
©2025 Oscilar. Todos os direitos reservados.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.
Veja o Oscilar em ação.
Fraude
Recursos
©2025 Oscilar. Todos os direitos reservados.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.
Veja o Oscilar em ação.
Fraude
Recursos
©2025 Oscilar. Todos os direitos reservados.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.
Veja o Oscilar em ação.
Fraude
Recursos
©2025 Oscilar. Todos os direitos reservados.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.