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MANAM INTELEE · Compliance Agent

VIGIL

A centralized, autonomous compliance engine that automates data aggregation, real-time risk monitoring, and regulatory reporting — shifting banks from reactive risk management to proactive compliance execution, with humans always in the loop.

01 · The Problem

Compliance can’t be reactive.

Manual checks miss real-time threats, reports arrive late and error-prone, and a single untraceable override can mean regulatory penalties and financial-crime exposure.

Reactive

Risk posture

Manual, after-the-fact checks.

24/7

Exposure

Threats never keep office hours.

02 · Core Abilities

One engine, four mandates

Financial Crime

Sanctions screening, behavioral matching & SAR drafting.

Capital & Liquidity

LCR, NSFR, CRR & Basel III/IV adequacy.

Reg Reporting

XBRL output with cryptographic audit trails.

Consumer Security

Adaptive SCA, complaints & fair-lending review.

03 · Always On

Always watching, within policy

  • Intercepts every inbound & outbound transaction
  • Screens against OFAC, UN & regional lists in <200ms
  • Flags velocity spikes, layering & mule networks
  • Drafts SAR/STR & XBRL filings automatically
  • Humans approve — AI never files on its own
Engine & Guardrails

Detection and control

Detection

  • Real-time sanctions screening
  • Behavioral pattern matching
  • Liquidity & reserve monitoring
  • RWA & capital adequacy
  • Regulatory horizon scanner

Control

  • Human-in-the-loop approval
  • Cryptographic audit trails
  • XBRL & central-bank reporting
  • Adaptive strong auth (SCA)
  • Fair-lending bias review
04 · Guardrails

Performance scorecard

Sanctions latency

<200ms

Reporting errors

0.00%

Audit coverage

100%

05 · Safeguards

Built for the regulator

HIL

Human-in-the-Loop

AI drafts filings; humans approve and submit.

LOG

Cryptographic Audit

Every override logged to an immutable ledger.

SCA

Strong Auth

Adaptive MFA on device & geographic anomalies.

FAIR

Fair Lending

Detects systemic bias across demographic buckets.

Achievements Unlocked

Proactive. Provable.

<200ms

Screening

Zero friction

0.00%

Error-free

First-time filing

100%

Audited

Nothing untraceable

Proactive. Automated. Always compliant

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Key Capabilities

  • Real-time sanctions screening against OFAC, UN & regional watchlists in <200ms
  • Behavioral pattern matching for velocity spikes, layering & mule networks
  • Automated SAR/STR drafting, compiled for compliance-officer review
  • Daily LCR, NSFR & CRR monitoring with automated Treasury alerts
  • Basel III/IV Risk-Weighted Asset & Capital Adequacy computation
  • XBRL & central-bank reporting with immutable cryptographic audit trails

Use cases: Central Banks · Commercial Banks · BFSIs · Treasury, Risk & Compliance Desks

Financial crime & AML

Real-time sanctions screening, behavioral pattern matching, and automated SAR/STR drafting for compliance-officer review.

Liquidity & capital adequacy

Daily LCR, NSFR and reserve-ratio monitoring with Basel III/IV Risk-Weighted Asset and Capital Adequacy computation.

Regulatory data governance

XBRL and central-bank API reporting with immutable cryptographic audit trails and a regulatory horizon scanner.

Consumer protection & security

Adaptive strong customer authentication, ombudsman complaint tracking, and fair-lending bias review.