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Sphinx Atlas is interactive deep research for KYB. Agents investigate websites, ownership, and addresses in real time.

How banks and credit unions detect altered, counterfeit, forged, and duplicate checks: typologies, detection layers, Reg CC holds, and SAR key terms.

What an AML lookback review is, what triggers one, how regulators scope it, what TD Bank-scale lookbacks cost, and how automation changes the economics.

Shell company red flags at onboarding and in transaction activity, how to investigate a suspected shell, and what detection tooling needs to do.

The five pillars of an AML compliance program, what examiners test under each, common exam findings, and how FinCEN's 2026 proposed rule reframes them.

How transaction monitoring rule tuning works: ATL/BTL testing, sensitivity analysis, segmentation, cadence, and the documentation examiners expect.

How banks detect account takeover fraud: attack vectors, the signals that give ATO away, SAR and FFIEC obligations, and how to evaluate detection tools.

Customer risk rating in AML: the five factors behind the score, static vs dynamic rating, how scores drive EDD and monitoring, and what examiners expect.