Every module is wired to its citation. The regulation is the configuration — not a parameter you set, but a structural invariant of how detection works.
| # | Module | Type | Regulatory citation | SLA window | Consequence of breach |
|---|---|---|---|---|---|
| 01 | Transaction Matching ISO 8583 multi-leg pairing, suspense auto-resolution, reversal reconciliation |
REG | Visa VDR / ISO 8583 | 30 days | Network penalty + dispute liability shift |
| 02 | Batch Reconciliation EOD batch proof, discrepancy log, MC MDR 45-day tracking, settlement variance report |
REG | MC MDR | 45 days | Chargeback liability shift + network penalty |
| 03 | Fee Validation Interchange audit, network-fee billing proof, dispute-evidence package assembly |
COM | Contractual SLA | Per contract | Billing dispute + contractual penalty |
| 04 | Funding Validation Funding-file → GL reconciliation, Reg E provisional-credit window proof, funding-shortfall alert |
REG | Reg E §205.11 | 10 business days | Mandatory provisional credit + consumer reimbursement |
| 05 | Stuck-Transaction Detection Pipeline-stall detection, card-network VDR-window SLA enforcement, clearing-lag alert |
REG | Visa VDR 30d | 30 days | VDR violation + network penalty |
| 06 | Reg E Timer Provisional-credit obligation clock, 10-business-day enforcement, consumer-notice trigger |
REG | Reg E §205.11 | 10 business days | Mandatory provisional credit + regulatory referral |
| 07 | Chargeback Window Visa 120d / MC 120d chargeback SLA tracking, representment evidence assembly, arbitration-ready package |
REG | Visa / MC chargeback rules | 120 days | Liability shift to issuer or merchant |
| 08 | SAR Trigger Transaction-pattern SAR threshold detection, BSA filing-window alerts, FinCEN filing-package assembly |
REG | BSA 31 CFR §1020.320 | 30 days | Criminal exposure + FinCEN civil penalty up to $25K/day |
| 09 | OFAC Screening Real-time SDN + Part 560 counterparty match, same-day freeze trigger, OFAC notice package |
REG | OFAC 31 CFR Part 560 | Immediate | Civil penalty up to $311K/violation + criminal referral |
| 10 | PCI Retention Card-data retention window governance, log chain-of-custody, Req. 10.7 audit trail, 12-month calendar |
REG | PCI DSS v4.0 Req. 10.7 | 12 months | Card-brand fine + loss of merchant/issuer privilege |
22 backoffice connectors across core banking, processing, compliance, ERP, CRM, and ITSM systems.