Predictika · Credit Union Transaction Validator

Before a cash, wire or ACH transaction is released, it is checked against the federal anti-money-laundering rules

Cedar Valley Credit Union lets an AI operations agent propose what to do with member transactions. Before anything is released, the proposal is sent to Predictika's validator. It checks the cash total for the day, the information a transfer must carry, sanctions screening, the member's identity record and any monitoring flag against US federal rules, and returns one verdict with every finding.

Illustrative only. Cedar Valley Credit Union is fictional. The rules checked are public US federal requirements, cited on this page. The credit union’s own limits, such as the member transfer limit, are illustrative inputs. Not legal advice.

Scope: member cash, wire and ACH transaction review under US BSA/AML rulesSee everything this validator covers

This validator covers one process: reviewing a member's cash, wire and ACH transaction under US Bank Secrecy Act and anti-money-laundering rules. It handles any case that involves these actions: approve, file a Currency Transaction Report, hold, escalate to the BSA officer, or reject. The rules it applies:

  • Cash over $10,000 in a day — Currency Transaction Report, with the correct day total and the presenter’s identity (31 CFR 1010.311, 1010.312, 1010.313(b); filing within 15 days, 1010.306(a)(1)).
  • Structuring — breaking up cash to avoid a report is prohibited (31 USC 5324(a)(3)).
  • Funds transfers of $3,000 or more — beneficiary bank and beneficiary information kept and passed on (31 CFR 1020.410(a), 1010.410(f)). ACH is not covered by this rule.
  • Sanctions — a confirmed match is blocked or rejected and reported to OFAC within 10 business days (31 CFR 501.603, 501.604).
  • New accounts — identifying information collected at opening (31 CFR 1020.220(a)(2)(i)); verification within a reasonable time (1020.220(a)(2)(ii)).
  • Suspicious activity — reports for flagged transactions of $5,000 or more, due within 30 days (12 CFR 748.1(d), 31 CFR 1020.320).

One input is the credit union’s own choice, not a regulation: the member transfer limit. It is a field of the request. The nine scenarios on this page are a sample.

What the validator sees: the request, plus the member and screening records it is checked againstRead more

Most of what decides these cases is not in the request: the cash already deposited or withdrawn today, the member’s identity record and screening result.

The validator is given that snapshot with each call and judges the request against it. A request is only checked if the agent calls the validator before acting.

The AI agentProposes one action on one transaction, says what it is doing, then calls the validator before acting.
Predictika validatorChecks the proposal against the cash total for the day, transfer information, sanctions screening, identity record and monitoring flags. Returns one verdict and every finding.

9 scenarios in 4 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

Looked up server-side before evaluation

    The agent says

    Illustrative agent statement. The validator receives the structured request below.

    Before acting, the agent must call Recorded run

    Predictika validator

    
      
    
        
        
        
      
    
      
    Waiting for the call.
    
      
    
    
  
    

  

  
    
    
    Where per-transaction controls get it wrong
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    General statements about transaction screens, not about any named product. We rest this on public descriptions of how such controls work.
    
    
    
  
    

  
    
    
    What this validator catches
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    Every finding the validator returned across all 30 test runs, with the wording it used. Each finding is reported and none stops the others, so one violation can never hide another. A block means the agent must not do this; a review means a person must sign off first.
    
    
    
  
    

  
    
    
    Scenarios and results
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    The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.
    
    
    1. Cash deposits: 1. A deposit that takes the day over $10,000, with no ID on record
    
    
    The agent's request. I am approving a $6,500 cash deposit for this member. The cash total for the day is $6,500.
    
    
    Verdict: Blocked.
    
    
      
      
    • Cash over $10,000 in a day needs a Currency Transaction Report. Maria Alvarez has $11,500 in cash deposits today including this one, more than $10,000, so a Currency Transaction Report is required (31 CFR 1010.311 and 1010.313(b)). Approve it only together with the report.
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    • Presenter ID not recorded for a reportable cash transaction. This cash transaction is reportable, so the credit union must verify and record the identity of the person presenting it before completing it (31 CFR 1010.312). No presenter ID is recorded.
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    • Stated day total does not match the cash on record. The request states a cash total of $6,500 for the day, but the cash already recorded today for Maria Alvarez plus this transaction comes to $11,500 (31 CFR 1010.313(b)). The report must carry the correct total.
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    2. Cash deposits: 2. The agent files the report with the right total
    
    
    The agent's request. I am approving the $6,500 cash deposit together with a Currency Transaction Report. The cash total for the day is $11,500.
    
    
    Verdict: Blocked.
    
    
      
      
    • Presenter ID not recorded for a reportable cash transaction. This cash transaction is reportable, so the credit union must verify and record the identity of the person presenting it before completing it (31 CFR 1010.312). No presenter ID is recorded.
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    3. Cash deposits: 3. The agent resubmits with the report, the right total and the ID
    
    
    The agent's request. I am approving the $6,500 cash deposit together with a Currency Transaction Report. The cash total for the day is $11,500.
    
    
    Verdict: Allowed.
    
    
    4. Wire transfers: 3. A wire with no beneficiary bank
    
    
    The agent's request. I am approving an $18,500 outgoing wire for this member.
    
    
    Verdict: Blocked.
    
    
      
      
    • Beneficiary bank not identified. For a funds transfer of $3,000 or more the credit union must keep, and pass on, the identity of the beneficiary bank (31 CFR 1020.410(a) and 1010.410(f)). None is given for this $18,500 wire.
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    5. Wire transfers: 4. The agent resubmits with the bank identified
    
    
    The agent's request. I am approving the $18,500 outgoing wire, with the beneficiary bank identified.
    
    
    Verdict: Allowed.
    
    
    6. Sanctions screening: 5. A wire to a sanctioned party
    
    
    The agent's request. I am approving a $12,000 outgoing wire for this member.
    
    
    Verdict: Blocked.
    
    
      
      
    • Confirmed sanctions match. Sanctions screening returned a confirmed match (member screening result: clear; counterparty screening result: confirmed_match). A transaction with a sanctioned party cannot be approved; it must be blocked or rejected and reported to OFAC (31 CFR 501.603 and 501.604).
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    7. Sanctions screening: 6. The agent rejects the wire
    
    
    The agent's request. I am rejecting the $12,000 outgoing wire for this member.
    
    
    Verdict: Needs approval.
    
    
      
      
    • Sanctions match: compliance must report to OFAC. The party is a confirmed sanctions match. Not approving it is right, but compliance must block or reject the transaction and file the OFAC report within 10 business days (31 CFR 501.603 for blocked property, 501.604 for rejected transactions).
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    8. Structuring and SAR: 7. A flagged deposit approved as routine
    
    
    The agent's request. I am approving a $9,400 cash deposit for this member. The cash total for the day is $9,400.
    
    
    Verdict: Blocked.
    
    
      
      
    • Possible structuring pattern. Monitoring flagged the activity of Rosa Delgado as a possible structuring pattern. Structuring to avoid a report is prohibited (31 USC 5324), so this cannot be approved as routine. Escalate it to the BSA officer.
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    9. Structuring and SAR: 8. The agent escalates to the BSA officer
    
    
    The agent's request. I am escalating the $9,400 cash deposit to the BSA officer.
    
    
    Verdict: Allowed.
    
  
    
  
    
    
    Narration transcript
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    The text of the narrated walkthrough, step by step.
    
    
      
      
    1. Welcome to a demo of Predictika's Validator. Cedar Valley Credit Union lets an AI operations agent propose what to do with member transactions. Before anything is released, the proposal is sent to Predictika's validator. It checks the cash total for the day, the information a transfer must carry, sanctions screening, the member's identity record and any monitoring flag against US federal rules, and returns one verdict with every finding.
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    2. I will start with the first request by the agent.
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    3. The agent says. I am approving a $6,500 cash deposit for this member. The cash total for the day is $6,500.
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    4. Before it goes out, the agent calls the validator.
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    5. Blocked, with three findings, all in one answer. Maria Alvarez has $11,500 in cash deposits today including this one, more than $10,000, so a Currency Transaction Report is required (31 CFR 1010.311 and 1010.313(b)). Approve it only together with the report. This cash transaction is reportable, so the credit union must verify and record the identity of the person presenting it before completing it (31 CFR 1010.312). No presenter ID is recorded. The request states a cash total of $6,500 for the day, but the cash already recorded today for Maria Alvarez plus this transaction comes to $11,500 (31 CFR 1010.313(b)). The report must carry the correct total.
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    6. The $6,500 deposit is under $10,000 on its own. Added to the $5,000 already deposited today it makes $11,500, and a Currency Transaction Report is required once cash in one business day goes over $10,000 (31 CFR 1010.311 and 1010.313(b)). The same transaction also needs the identity of the person presenting the cash recorded (31 CFR 1010.312), and the request gives a day total of $6,500, which is not the total on record. All three findings come back together.
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    7. What this shows: for cash totals that cross $10,000 across several deposits in a day, per-transaction controls can do this only with workarounds.
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    8. Now the agent resubmits.
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    9. The corrected request. It changes the action to approve and file the currency transaction report and the stated cash total for the day to $11,500.
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    10. It calls the validator again.
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    11. Still blocked, with one finding, all in one answer. This cash transaction is reportable, so the credit union must verify and record the identity of the person presenting it before completing it (31 CFR 1010.312). No presenter ID is recorded.
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    12. The report is now being filed and the day total matches the record, so those two findings are gone. A reportable cash transaction still needs the identity of the person presenting it recorded, and none is. That finding was in the first answer too, one of three; fixing the other two does not clear it.
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    13. The agent resubmits once more.
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    14. The revised request. It changes the presenter identity to recorded.
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    15. It calls the validator once more.
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    16. This time the validator clears it.
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    17. The deposit is allowed because the report is being filed, the day total matches the record and the presenter ID is on record. The validator adds a note: file the report with FinCEN within 15 days and keep a copy for five years.
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    18. Three problems caught in one call, fixed in two passes, and a clean request. That is the value of Predictika's validator: catching mistakes before the action runs.
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