SAN

K0NSULT x SANTANDER

BANKING COMPLIANCE AUTOMATION DEMO

ENTERPRISE DEMO

Use Case: AI-Powered AML/KYC & Regulatory Compliance

Problem: Santander Bank Polska processes thousands of transaction alerts daily for AML screening, KYC reviews, and regulatory reporting. Manual compliance review is slow, expensive, and prone to inconsistency under KNF and EU regulatory pressure.

Solution: K0nsult agents automate alert triage, risk scoring, document verification, and SAR filing — with strict human-in-loop governance for final decisions. Full audit trail meets KNF, GIIF, and EU AML directive requirements.

76%

False positives cleared

4.8s

Avg risk scoring

100%

Regulatory audit

14d

Deploy time

* Illustrative demo metrics based on simulated workflow. Actual results vary by implementation.

Workflow Pipeline

Step 01

INTAKE

Transaction alert or KYC trigger

▶

Step 02

CLASSIFY

AML, KYC, sanctions, PEP, fraud

▶

Step 03

DECISION

Clear, escalate, SAR, or block

▶

Step 04

AUDIT

KNF/GIIF/EU regulatory trail

Live Dashboard — Simulated Compliance Cases

Case ID	Type	Risk Score	Status	Agent	Time
AML-2026-7701	Transaction monitoring	0.12 LOW	CLEARED	K0-COMPL-01	3.2s
AML-2026-7702	PEP screening	0.78 HIGH	ESCALATED	K0-COMPL-02	4.9s
AML-2026-7703	KYC renewal	0.31 MED	REVIEW	K0-COMPL-03	5.1s
AML-2026-7704	Sanctions match	0.92 CRIT	BLOCKED	K0-COMPL-04	1.1s
AML-2026-7705	Unusual pattern	0.55 MED	PENDING	K0-COMPL-01	—

* Illustrative demo metrics based on simulated workflow. Actual results vary by implementation.

Demo Scenarios

LOW RISK 0.12

Routine Transaction Alert

Single large deposit from known employer during bonus season. 3-year customer with clean history.

Auto-cleared with documentation → KNF trail filed

HIGH RISK 0.78

PEP Screening Match

New account holder flagged as politically exposed person. City councilmember, Wroclaw. Account opened 14 days ago.

Escalated to Senior Compliance Officer → Enhanced Due Diligence → 72h deadline

CRITICAL 0.92

Sanctions List Hit

Incoming wire 340,000 EUR from entity on EU sanctions list. Immediate automated response required.

Immediate block → Auto SAR generated → GIIF notification → Compliance director alerted

ALWAYS HUMAN-APPROVED

SAR filing
Account blocking
PEP enhanced due diligence

Why K0nsult

Governance-first execution — Every action passes through policy engine before execution. Block, warn, approve, escalate.

Human override at any stage — Operator can review, modify, or reject any AI decision. Full control, zero blind automation.

Complete audit trail — Every decision, every override, every timestamp. Exportable evidence pack per case.

Deployable in 7–14 days — Not a concept. Production-ready pilot with operator panel, audit logs, and governance rules.

Implementation Timeline

Day 1-3

Discovery & Regulatory Mapping

Map KNF requirements, GIIF reporting format, EU 6AMLD rules, Santander internal policies

Day 4-6

Agent Configuration

Configure AML screening, KYC verification, sanctions checker, risk scoring models

Day 7-9

Integration & Parallel Run

Connect to core banking, run shadow mode on real alerts alongside existing team

Day 10-12

Regulatory Validation

KNF audit simulation, GIIF SAR export test, compliance officer sign-off

Day 13-14

Go-Live & Monitoring

Production with dual-control, real-time compliance dashboard, regulatory export

Deploy This for Your Team

Production-ready in 7-14 days. Not a concept — a working system with full audit trail.

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