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Financial Services

Solana DEX Real-time Analytics Insurance Underwriting Risk Scoring Intraday Portfolio Risk (VaR)AML Transaction Screening

A neobank processes 3M wire transfers per day. Compliance must screen every transaction against sanctions lists and detect structuring patterns (splitting transactions to stay under $10K reporting thresholds) — all before the wire settles in 30 minutes.

⚠The batch screening job runs every 4 hours. A structuring pattern across 6 transactions from the same sender was caught 3 hours after the last wire already settled.

LIVEwire_transfers

wire_id	sender_acct	receiver_acct	amount	currency	receiver_bank	ts
WIR-20240315-88901	ACC-7741	ACC-3302	9400	USD	JPMorgan Chase	2024-03-15T10:02:14.000Z
WIR-20240315-88914	ACC-7741	ACC-5518	8750	USD	Bank of America	2024-03-15T10:06:41.000Z
WIR-20240315-88927	ACC-7741	ACC-3302	7900	USD	JPMorgan Chase	2024-03-15T10:11:03.000Z
WIR-20240315-88938	ACC-7741	ACC-8890	9950	USD	Wells Fargo	2024-03-15T10:15:22.000Z
WIR-20240315-88945	ACC-7741	ACC-6617	6200	USD	Citibank	2024-03-15T10:19:48.000Z
WIR-20240315-88951	ACC-7741	ACC-5518	5800	USD	Bank of America	2024-03-15T10:24:07.000Z

Streaming SQLRunning

▶Detect structuring patterns✓

CREATE MATERIALIZED VIEW structuring_alerts AS
SELECT
  sender_acct,
  COUNT(*) AS txn_count,
  COUNT(DISTINCT receiver_acct) AS distinct_recipients,
  SUM(amount) AS total_amount,
  MAX(amount) AS largest_txn,
  MIN(amount) AS smallest_txn,
  EXTRACT(EPOCH FROM MAX(ts) - MIN(ts)) / 60 AS time_span_minutes,
  window_start
FROM TUMBLE(wire_transfers, ts, INTERVAL '60 MINUTES')
WHERE currency = 'USD'
GROUP BY sender_acct, window_start
HAVING
  COUNT(*) > 3
  AND MAX(amount) < 10000
  AND SUM(amount) > 30000;

▶Screen against sanctions watchlist✓

aml_alertsauto-updating

sender_acct	alert_type	txn_count	total_amount	time_span_minutes	risk_score
ACC-7741	STRUCTURING	6	48000	21.88	92
ACC-2204	SANCTIONS_MATCH	1	47250	0	78

✓RisingWave detects sender ACC-7741 splitting $48,000 across 6 wires to 4 different recipients in 22 minutes — each under $10K. SAR filed before the 5th wire settles.

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