Bank compliance teams spend 20+ hours per week manually processing KYC packets, BSA/AML filings, and loan documentation. FileSurf automates extraction, validation, and regulatory routing so your compliance team focuses on decisions—not paperwork.
Use Cases
Automatically extract customer identity data from government-issued IDs, proof-of-address documents, and beneficial ownership certifications. Validate completeness against FinCEN CDD rules and flag high-risk profiles for enhanced due diligence review.
Process transaction monitoring alerts alongside supporting documentation. Extract account details, transaction narratives, and prior SAR history automatically. Route completed SAR packages to compliance officers with a pre-populated FinCEN filing checklist.
Validate commercial loan packages and residential mortgage files against TRID, Regulation B, and internal credit policy. Extract borrower financials, collateral descriptions, and covenant terms. Flag documentation gaps before underwriting or closing.
Powerful Features
Everything you need to streamline your workflow with AI-powered automation.
Pre-built validation rules for BSA/AML, FinCEN CDD, TRID, Regulation B, and HMDA. FileSurf checks every document against the applicable regulatory framework and flags deficiencies with specific rule citations—not just generic error messages.
Connect FileSurf to FIS, Fiserv, Jack Henry, Encompass, and nCino via REST API or scheduled data exports. Validated compliance data flows directly into your loan origination system and core platform without manual re-keying.
Every document processed generates a tamper-evident audit log: upload timestamp, user identity, AI extraction scores, validation outcomes, and export destinations. Examiner-ready reports exportable in PDF or CSV for OCC, FDIC, and Fed examinations.
Real-time view of document pipeline health across all regulatory programs—KYC, AML, CRA, and lending compliance. Track open exceptions, days-to-remediate, and examiner request fulfillment from a single command center.
FAQ
AI compliance workflows for banks automate the most labor-intensive parts of regulatory compliance: extracting structured data from unstructured documents (IDs, financials, agreements), validating that data against applicable rules (BSA, TRID, FinCEN CDD), and routing completed packages to the right team for review. FileSurf applies banking-specific validation logic so your compliance staff review exceptions—not every document—cutting processing time by 60–80%.
FileSurf includes pre-built validation rules for BSA/AML suspicious activity reporting, FinCEN Customer Due Diligence (CDD) requirements, TRID loan disclosure timing and accuracy, Regulation B adverse action requirements, HMDA data fields, and general exam-readiness documentation standards. Custom rule sets can be added via our schema configuration tool to match your institution's internal credit or compliance policies.
FileSurf processes a standard KYC packet—government ID, proof of address, beneficial ownership certification—in under 3 minutes. A full commercial loan file of 40–80 pages typically completes extraction and validation in 8–12 minutes. Batch processing for end-of-period exam prep can handle hundreds of files overnight.
Yes. FileSurf integrates with major core banking platforms (FIS, Fiserv, Jack Henry) and loan origination systems (Encompass, nCino, Finastra) via REST API, webhook notifications, and scheduled CSV/JSON exports. For institutions on proprietary or legacy platforms, our API lets you push validated compliance data to any endpoint that accepts standard HTTP requests.
FileSurf runs on SOC 2 Type II certified infrastructure with AES-256 encryption at rest and TLS 1.3 in transit. Role-based access controls ensure only authorized compliance staff can view or export customer documents. Configurable data retention policies let you align document storage with your institution's record-keeping obligations under BSA (5-year retention) and applicable state law. FileSurf does not use customer data to train AI models.
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