The case file is complete before the analyst opens it. The only step left is the judgment.
EDD cases tracked on spreadsheets. LEA requests actioned from inboxes. STR filings assembled by hand against statutory deadlines. The compliance burden in Indian BFSI is not the complexity of the regulations — it is the volume of manual work required to meet them. Sign3 deploys an AI agent to handle the assembly, so compliance teams allocate their time to judgment, not collection.
Indian financial institutions operate under overlapping frameworks: RBI KYC Master Direction, PMLA, FIU-IND reporting obligations, I4C coordination requirements, the DPDP Act and RBI Outsourcing of IT Services Directions. Each carries distinct filing requirements, SLA deadlines and penalty structures. ₹25,000 per missed STR filing. Multi-week EDD cycles that exceed regulatory timelines. LEA correspondence that remains unactioned because the capacity to parse, classify and route it does not exist at the required volume.
Detection infrastructure has improved. Institutions have deployed TMS platforms, AML screening tools and alert engines. What has not improved is the speed at which alerts are converted into defensible, filed, auditable decisions. Alerts are generated at API speed. Cases continue to close at human speed. Regulatory risk accumulates in that gap.
For each: the challenge, why current systems fail, how Sign3 addresses it — and what it measured in a live deployment.
A single Enhanced Due Diligence case passes through branch, zone and head office, tracked on spreadsheets and email chains with no centralised visibility. Average resolution: 15–20 days. Cases transfer between desks without audit continuity, and SLA deadlines are exceeded routinely.
Most institutions lack a governed EDD workflow. The trigger is generated by one system. The investigation is conducted across several. Documentation is assembled retrospectively. No single view of case status exists at any point in the lifecycle.
EscalationX runs every EDD case through a six-stage governed pipeline: intake, investigation, review, action, monitoring, closed. Role-based ownership is assigned at each stage. SLA timers escalate before deadlines are exceeded. Every action is logged to an immutable, PMLA-compliant audit trail.
15 → 5
days to resolve an EDD case, compressed from 15–20 days.
Banking client
Every control below is necessary and none of them closes a case. They raise the alert; the assembly, the filing and the trail are still done by hand.
Sign3 covers the other half.
The AI agent assembles the case, maps the network, drafts the filing and logs every action — configured to your institution’s own stages, roles and SLA thresholds.
Outcomes from live deployments across banking compliance and financial-crime operations.
15 → 5days to resolve an EDD case
Compressed from weeks. Banking client.
1–3 daysLEA response time, down from 5–15
PSB deployment.
5–10 minmanual effort per LEA case, down from 45–90
Review only. PSB deployment.
95%+SLA compliance on regulatory filings
Increased from 60–75%.
₹300 Cr+monthly laundering activity detected at scale
Across deployments.
503distinct fraud rings surfaced
Enabling network-level investigation.
Indian financial institutions operate under overlapping frameworks: RBI KYC Master Direction, PMLA, FIU-IND reporting obligations, I4C coordination requirements, the DPDP Act and RBI Outsourcing of IT Services Directions. Each carries distinct filing requirements, SLA deadlines and penalty structures. ₹25,000 per missed STR filing. Multi-week EDD cycles that exceed regulatory timelines. LEA correspondence that remains unactioned because the capacity to parse, classify and route it does not exist at the required volume.
Detection infrastructure has improved. Institutions have deployed TMS platforms, AML screening tools and alert engines. What has not improved is the speed at which alerts are converted into defensible, filed, auditable decisions. Alerts are generated at API speed. Cases continue to close at human speed. Regulatory risk accumulates in that gap.
For each: the challenge, why current systems fail, how Sign3 addresses it — and what it measured in a live deployment.
A single Enhanced Due Diligence case passes through branch, zone and head office, tracked on spreadsheets and email chains with no centralised visibility. Average resolution: 15–20 days. Cases transfer between desks without audit continuity, and SLA deadlines are exceeded routinely.
Most institutions lack a governed EDD workflow. The trigger is generated by one system. The investigation is conducted across several. Documentation is assembled retrospectively. No single view of case status exists at any point in the lifecycle.
EscalationX runs every EDD case through a six-stage governed pipeline: intake, investigation, review, action, monitoring, closed. Role-based ownership is assigned at each stage. SLA timers escalate before deadlines are exceeded. Every action is logged to an immutable, PMLA-compliant audit trail.
15 → 5
days to resolve an EDD case, compressed from 15–20 days.
Banking client
Banks receive thousands of law-enforcement communications monthly from police, CBI, NIA, Income Tax, ED, courts and district administration. Each requires precise, time-bound action — account freeze, lien, debit-freeze or information provision — against SLA deadlines that carry financial penalties.
LEA correspondence arrives unstructured: by email, in multiple languages, with handwritten annotations and varying document structures. No rule-based system can parse, classify and route that volume without significant human intervention.
An AI agent processes every incoming request — extracting entities (account numbers, PAN, Aadhaar, FIR references), classifying the action demanded, and executing or routing it to the right workflow. Hindi, English and regional-language correspondence is parsed and actioned, with every step logged to a complete audit trail.
45 → 5 min
manual effort per case, down from 45–90 minutes to review only. Response: 5–15 days → 1–3.
PSB deployment
Suspicious and Cash Transaction Reports must be filed within statutory timelines via goAML. The data required is distributed across CBS, KYC stores, investigation notes and correspondence records. Assembly is manual, deadlines are frequently missed, and each missed filing carries a ₹25,000 penalty from FIU-IND.
Filing interfaces exist. The constraint is not the filing mechanism. It is the time required to assemble the underlying case data, verify its accuracy, and prepare it in goAML-compliant format before the deadline.
EscalationX pre-populates STR and CTR fields from case data assembled during the investigation stage. The filing becomes a by-product of the case workflow rather than a separate manual exercise. goAML format is maintained, PMLA retention is enforced, and every field is traceable to its source document.
95%+
SLA compliance on regulatory filings, up from 60–75%.
PSB deployment
Existing TMS platforms generate alerts at volume with false-positive rates of 90% or higher. Capacity goes to clearing legitimate alerts while genuine activity waits in the same queue.
Rule-based platforms evaluate transactions against thresholds in isolation. Without behavioural, device and network context, every alert presents as equally urgent.
Cortex enriches existing TMS alerts with device, behavioural and network intelligence. False positives are deprioritised; mule-linked alerts are escalated.
₹300 Cr+
in monthly laundering activity detected at scale.
Across deployments
When a mule account is identified, the investigation stops at the individual account. The network behind it — connected accounts, shared devices, linked numbers — keeps operating.
Investigation tools are account-centric. They retrieve one account’s history and KYC. They do not map relationships or surface identifiers shared across accounts.
Cortex’s Graph Neural Network maps shared devices, locations and funding patterns; EscalationX assembles the case file with every linked account pre-mapped.
503
fraud rings surfaced from 69,646 numbers; one device operating 150 accounts, preventing ₹2.3 Cr of layering.
Single analysis window
Every control below is necessary and none of them closes a case. They raise the alert; the assembly, the filing and the trail are still done by hand.
Sign3 covers the other half.
The AI agent assembles the case, maps the network, drafts the filing and logs every action — configured to your institution’s own stages, roles and SLA thresholds.
Outcomes from live deployments across banking compliance and financial-crime operations.
15 → 5days to resolve an EDD case
Compressed from weeks. Banking client.
1–3 daysLEA response time, down from 5–15
PSB deployment.
5–10 minmanual effort per LEA case, down from 45–90
Review only. PSB deployment.
95%+SLA compliance on regulatory filings
Increased from 60–75%.
₹300 Cr+monthly laundering activity detected at scale
Across deployments.
503distinct fraud rings surfaced
Enabling network-level investigation.
We'll score it, surface the fraud patterns your current stack missed, and walk you through what we found. Your data, our scoring. No commitment, no integration, no decision required until you've seen the result.