Finovifi Launches BSA Guardian: AI-Driven BSA/AML Monitoring for Community Banks, with ACH Module Coming March 2026

BIRMINGHAM, Ala. – October 28, 2025 — Finovifi, the fintech innovator powering smarter banking for community institutions, today announced the release of BSA Guardian, a next-generation Bank Secrecy Act and Anti-Money Laundering (BSA/AML) platform that brings enterprise-level intelligence to community banks and credit unions.

Built on Finovifi’s advanced AI analytics framework, BSA Guardian unites transaction monitoring, customer risk profiling, sanctions screening, and automated SAR filing in a single, intuitive interface—helping compliance teams reduce false positives, accelerate investigations, and strengthen audit readiness.

“Community institutions need AML technology that delivers insight without complexity,” said Russell Taylor, President of Finovifi. “BSA Guardian gives them a clear, efficient way to detect suspicious activity and satisfy BSA obligations—without the heavy lift or enterprise-grade price tag.”

Future-Ready for 2026 Regulatory Change

While this first release focuses on core BSA and AML functions, Finovifi has confirmed that an ACH Monitoring Module will follow in March 2026 to align with NACHA’s new Fraud and Credit Monitoring Rules, which take effect that same month.

These NACHA rules raise expectations for financial institutions to maintain risk-based monitoring processes rather than relying on “commercially reasonable” procedures. The forthcoming BSA Guardian ACH Module will extend Guardian’s AI framework to support those requirements, providing real-time anomaly detection for ACH originations, returns, and credits.

“BSAGuardian’s architecture was designed from day one for adaptability,” said Terry Ray, Chief Technology Officer at Finovifi. “By adding the ACH Monitoring Module next year, we’re giving banks a frictionless path to stay compliant with the March 2026 rules while continuing to advance their BSA and AML programs today.”

Core Capabilities (Available Early November 2025)

• AI-Driven Transaction Monitoring — Detect structuring, mule networks, layering, velocity spikes, and other BSA-relevant behaviors in real time.
• Customer Risk Profiling (CDD/EDD) — Evaluate customer behavior dynamically with risk scoring, document tracking, and audit trails.
• Integrated Sanctions Screening — Automatically screen OFAC, PEP, and FinCEN 314(a) lists.
• Case Management & SAR Filing — End-to-end workflow from alert to submission.
• Explainable AI Design — Supports examiner expectations for model transparency and accountability.

Availability

BSA Guardian will be available in November 2025. The additional ACH Monitoring Module will be released in March 2026 as an add-on feature.

To learn more or schedule a demo, visit finovifi.com/bsaguardian

About Finovifi

Finovifi empowers community banks and credit unions with AI-driven technology that modernizes operations, strengthens compliance, and enhances customer trust. Guided by more than sixty years of banking-technology leadership, Finovifi delivers practical, interoperable solutions that help financial institutions thrive securely and sustainably.