Fraud, financial crime and compliance.

Each guide answers the questions a fraud, BSA or compliance officer asks first: what it is, how it works, the rules and clocks, and how teams handle it.

Deciding is quick once the picture is complete. Getting the picture is the slow part: the evidence for one flagged check, alert or dispute sits across several systems, each with its own search.

Socratix AI coworkers can take on the gathering, as they already do for check, ACH and HMDA reviews. For every item, they can pull the evidence from each system into one case, compare it with the customer's own history and your policies, and hand your analysts a recommendation with the reasoning laid out. Your team still makes every call. It just stops spending the day assembling the picture.

1. GatherCan pull the evidence for each check, alert or request, such as account history, transactions, images, due diligence and prior cases, from the systems that hold it, into one case.
2. AssessCan compare it with the customer's own history, your policies and the patterns for that topic, and watch the clocks.
3. RecommendCan propose the next step with the evidence, a plain-language reason and, when one is warranted, a draft SAR narrative. Your analyst decides.
4. LearnCan learn from each decision — your policies, your risk appetite, your analysts' judgment — and log every step for the examiner.

AI recommends. Your analysts decide. Your examiner sees every step.

Three customers have published their results. One is a community bank. The other two are fintech platforms, so their numbers come from account reviews and credit decisions rather than a bank's fraud queue.

• 100%of checks evaluatedFirst Community Bank and Trust A $200M Illinois community bank. 97.5% of checks auto-cleared; 65% less manual review time.
• 20×account review scaleSuper.com A consumer financial services platform. 950 accounts reviewed in under 45 minutes, against about five an hour by hand.
• 100+monthly hours, now instantAtoB Fuel cards and working capital for trucking fleets. Underwriting for about 400 credit limit requests a month.

Each figure is the headline result its case study publishes.⁠[2]⁠[3]⁠[4]

The volume keeps rising, and much of compliance behaves like fixed overhead, so it weighs most on the smallest institutions.⁠[5]

• 204,927 suspicious activity reports flagging ACH fraud were filed by banks, thrifts and credit unions in 2024, more than eight times as many as in 2014.⁠[1]
• 75% of banks and credit unions saw debit card fraud attempts, the payment type most often targeted, in the Federal Reserve Financial Services' 2026 survey.⁠[6]
• Almost sevenfold: depository SARs listing elder financial exploitation rose from 15,929 in 2014 to 108,172 in 2024.⁠[1]
• About $598,700 a year is FinCEN's estimate of what a bank or credit union spends on AML program compliance (size-weighted mean; the median is $414,300), from end-2024 data.⁠[7]
• 11% to 15.5% of payroll went to compliance at the smallest community banks, against 6% to 10% at the largest, across ten years of surveys by the Conference of State Bank Supervisors (CSBS), 2015–2024.⁠[5]

A SAR counts a report, not a loss.

Your team can't add analysts as fast as the queue grows. AI coworkers can do the gathering on every item, so the people you have spend their time on the decision, and the same team can review everything instead of a sample.