Product and funds-flow governance
Model parties, accounts, custody, settlement, fees, states, agents, and control ownership.
product mapfunds flowlicensescontrols
Work-to-proof operating intelligence
Turn every funds flow into licensed, monitored, reportable proof.
Map products, states, agents, transactions, safeguarding, complaints, BSA/AML, sanctions, reporting, and examinations.
One governed operating record
✓ Faster governed work✓ Earlier material-risk detection✓ Complete evidence lineage✓ Continuous regulatory readinessRole-specific execution
Workflows that become examination proof.
People do their actual work in Smarter. Approved outcomes, evidence receipts, and requirement status synchronize into Vigil without duplicating files or exposing restricted content.
Transaction monitoring and reporting
Connect KYC, sanctions, alerts, cases, SAR/CTR, complaints, reconciliation, and safeguarding.
customer profiletransactionalertfiling
Shared intelligence fabric
Every useful action improves the system—inside constitutional boundaries.
Raw work product remains workspace-private; only authorized, purpose-bound, pseudonymous reviewed outcomes may enter minimum-cohort learning.
Raw work product stays privateNo employee performance scoringMinimum cohort and human approvalNo automated regulatory decisions
SmarterPayments & Money Services
Vigil examination bridge
Operational actions become requirement-level evidence.
- ✓NMLS money-transmitter licensingAuthority · task · evidence · result · receipt
- ✓FinCEN BSA/AMLAuthority · task · evidence · result · receipt
- ✓OFAC sanctionsAuthority · task · evidence · result · receipt
- ✓State special examinationsAuthority · task · evidence · result · receipt
Smarter × Vigil