Two products. One obligation layer. Connexum enforces regulatory SLAs across every settlement participant — automatically. Connexum Merchant executes operational fixes for small businesses without requiring staff to act on them.
Reg E demands action in 10 business days. BSA SAR filings must clear within 30. OFAC freezes are instantaneous. Every missed deadline is a regulatory event with a dollar consequence.
31 CFR §1020.320 requires SAR detection and filing within strict time bounds. Manual reconciliation misses the pattern until it's already a violation.
§205.11 starts a 10-business-day clock the moment a dispute is received. Most issuers track this in spreadsheets — and lose.
31 CFR Part 560 requires same-day counterparty freeze on SDN match. A match that clears through settlement without detection is a sanctions violation.
Req. 10.7 mandates audit-log retention and chain-of-custody proof. Most settlement stacks have no log-governance layer at all.
Visa's VDR requires stuck transactions to surface and resolve within 30 days. Without automated detection, the deadline passes silently.
Mastercard's MDR requires end-of-day batch reconciliation and 45-day audit trail. Batch discrepancies compound when not caught at the transaction level.
No participant can infer any counterparty's transaction details from Connexum outputs. All cross-party signals are aggregate and one-way.
Every module is wired to its citation: Reg E §205.11, BSA 31 CFR §1020.320, OFAC 31 CFR Part 560. The consequence of breach is part of the detection signal.
Every decision, every SLA clock, every triggered threshold is written to an append-only audit ledger. Connexum's own output is subject to independent attestation.
Every section below is a production-validated capability, not a roadmap item.