The Methodology Layer
Develop, test, and refine AML methodologies for new threat vectors, then version them like software.
Prism Layer AML
Good AML governance for banking, payments, and money movement, and new frameworks for the rails that didn't exist last cycle. When new markets and asset classes enter regulated finance, you build the methodology, controls, and reporting functions before the examiner asks.
The program
Develop, test, and refine AML methodologies for new threat vectors, then version them like software.
Frameworks, procedures, and controls for markets that didn't exist last cycle: tokens, digital assets, prediction markets.
Suspicious Activity Report governance, procedures, and reporting guidelines, built into the workflow.
Office of Foreign Assets Control and sanctions screening coverage, assessed as first-class risk.
Banking, payments, and money movement, assessed at the speed financial crime now moves.
The governed workflow and assurance plane, expressed in financial-crime terms.
One assessment, on-chain to examiner
An illustrative AML assessment for a prediction market operator: five risks scored, ten controls evaluated, each residual measured against the appetite you set. This is the shape of what Prism Layer hands a committee, in minutes.
Path A · Deploy
Commit targeted capital against the two risks sitting above appetite, closing the gap before the exam cycle. Higher outlay, findings retired.
Path B · Carry
Run on current controls and accept supervisory exposure if they slip under examination. Budget preserved, the findings stay live.
The exam file
Export the signed assessment to a paginated PDF for your committee, board, examiners, or regulators. Cover to signature, on Letter or A4, with a repeating header and footer.
Eight sections, then four appendices: the full reasoning passes, control detail, the run log and document manifest, and a signature page with the hash fingerprint.
Prism Layer · Signed Assessment
Prediction Market AML & Sanctions Risk Assessment
The assurance plane
Role-based identity, least-privilege retrieval, bounded task scope, policy guardrails, evidence-linked reasoning, expert approval, immutable capture. Every output links back to policy context, source evidence, and reviewer action.
Three data layers
The FFIEC BSA/AML manual, FinCEN guidance, OFAC sanctions programs, and FATF recommendations, kept current so you don't have to.
Policies, prior exams, independent testing, lookbacks, and your typology library. The system is trained on you.
Transaction monitoring, screening, case management, and core systems, read in place.
Confidence scoring
See exactly how much of every output rests on your data versus industry defaults. Internal documents raise confidence, so you always know what's grounded in your program and what's a framework starting point.
Observable reasoning
A specialized agent runs each step and shows its work. You keep the judgment. The system keeps the record.
Scope, baseline, residual-risk, and target agents run each step and name the reasoning behind every call.
Every output shows how much rests on your data versus industry defaults. Add a foundation document to raise confidence, up to 20%.
Residual risk is computed deterministically from confirmed baselines and controls. No black box on the math.
Target bands from averse to opportunistic. Scenarios over appetite surface an alignment status and a governance response.
Reasoning, references, execution trace, and decision trace on every output. Replay any conclusion.
Formal sign-off with a hash fingerprint, and a report you can export for the committee.
Risk appetite bands
Right-sized for your world
A sample of where Prism Layer AML is right-sized, not the limit.
Who's at the table
Prism Layer AML briefs every owner of financial-crime risk, in the terms each seat works in.
Filing decisions and program changes carry defensible reasoning linked to policy.
Owns the program across banking, payments, and digital assets. The methodology runs in their language.
SAR governance, procedures, and reporting guidelines, built into the workflow.
Structuring, layering, and rapid movement mapped to evidence across every rail.
Tokens, listings, and prediction markets assessed as first-class financial-crime risk.
BaaS and fintech programs aggregated cross-partner, so concentration is visible early.
Defensible by design
On a use case from your world. Nothing required in advance.