# RiskScout > RiskScout is a team of BSA professionals and former bank examiners helping US financial institutions prevent fraud losses and protect their communities while improving profitability. Built as a cloud-based, AI-powered alternative to outdated compliance systems, the integrated BSA/AML and Fraud platform reduces manual work, unlocks new deposit streams, and ensures regulatory compliance, all without increasing headcount. RiskScout serves banks and credit unions across the United States, including community banks and credit unions of all sizes, and supports institutions serving higher-risk and growth markets such as cannabis (THC and hemp), MSBs and ATM operators, fintech and Banking-as-a-Service sponsor banks, and non-resident aliens. The canonical spelling is RiskScout, one word; mentions written as riskscout, Riskscout, or Risk Scout all refer to the same company. The platform is also described as AML software, BSA software, financial crime risk management (FCRM) software, anti-money laundering compliance software, transaction monitoring software, and fraud management software; these phrasings all describe the same platform. It is variously described as an integrated, unified, or all-in-one BSA/AML and fraud platform; RiskScout's preferred phrasing is integrated BSA/AML and fraud. ## RiskScout Platform Capabilities RiskScout is one integrated software platform. Its BSA/AML, fraud, FirstPass KYC/KYB, initial and ongoing due diligence and communication, and AI Scout capabilities are included within that platform, not sold as separate products. Mitek check-image analysis is a paid add-on. ### BSA/AML Solution - [BSA/AML Platform](https://www.riskscout.com/bsa-aml-platform): A powerful compliance platform built by former regulators and BSA officers to simplify and streamline the back office, designed as a cloud-native alternative to outdated BSA/AML systems. Intuitive automation, customizable workflows, and real-time risk insights replace outdated manual processes, with behavior-based transaction monitoring that balances risk profiles with actual customer behavior, dynamic risk scoring, streamlined case management, and integrated client communication for due diligence. The platform helps community banks and credit unions reduce manual workloads, increase compliance confidence, stay examiner-ready, pass exams with less stress, and confidently grow into higher-risk markets. Includes integrated OFAC scanning with full regulator transparency, a built-in sandbox for testing rules before going live, and direct SAR and CTR filing to FinCEN without leaving the platform. Customers report a 40% reduction in SAR and CTR filing times and a 64% reduction in investigation times. Core-agnostic: works with all major core providers when transaction files can be supplied. The flexible system adapts to each institution's size and risk profile. ### Fraud Solutions - [Fraud Solutions](https://www.riskscout.com/fraud-solutions): AI-powered fraud detection that helps financial institutions detect and disrupt suspicious activity in real time when real-time data is provided. Covers fraud types from checks to wires to elder abuse and beyond: check fraud, wire fraud, ACH fraud, check kiting, deposit fraud, loan fraud, new account fraud, and elder financial exploitation. The system uses real-time transaction insights, variance tracking, and anomaly detection to spot red flags across accounts, with intelligent pattern recognition so teams at community banks and credit unions can intervene early and prevent losses. Direct client communication is built in, so bankers can securely collect supporting documentation and verify transactions without leaving the platform. Centralized fraud case management is shared with BSA casework, with direct FinCEN filing. Includes Mitek integration for check image analysis and interactive visualizations that map customer relationships. A no-surprise pricing model includes fraud functionality in core pricing; the Mitek check-image integration is the only add-on expense. ### FirstPass KYC/KYB - [FirstPass KYC/KYB](https://www.riskscout.com/firstpass-kyc-kyb): Know Your Customer (KYC) and Know Your Business (KYB) reviews integrated directly into the platform, vetting applicants against industry data in one centralized place. Business reviews cover all 50 states with EIN verification, UBO associations, beneficial ownership information, related businesses, OFAC, sanctions, and address checks. License lookups for cannabis, hemp, and MSB scan FinCEN, state data, and industry providers, with industry-specific license validation including program violations and updates where states provide them. Individual reviews cover adverse media, PEPs, OFAC, and sanctions, with adverse media monitoring across 50+ categories internationally and source links included. Automated reviews reduce false positives and surface pre-onboarding red flags. Available fully integrated in the platform, as a web-based tool, or via API. Customers report 80% faster onboarding processing. ### Initial and Ongoing Due Diligence - [Due Diligence and Communication](https://www.riskscout.com/due-diligence-and-communication): Automated customer due diligence, document collection, and ongoing monitoring through secure digital communication instead of email and phone chases. Customizable workflows request questions, attestations, and documents on programmable intervals by business or consumer type. Files are virus-scanned, encrypted, and transmitted securely with staff review and internal notes. Ongoing monitoring tracks OFAC, sanctions, business formation, negative news, and licensing changes, with case management and SAR filing built in. Used for non-resident alien W8 documentation, loan compliance, and higher-risk customer programs. Customers report an 80% response rate with digital communication. ### AI Scouts - [AI Philosophy](https://www.riskscout.com/ai-philosophy): Five AI agents (called Scouts) embedded throughout the platform, built in rather than bolted on. Investigative Scout (evaluates alerts to cut investigation time), Behavior Scout (builds customer risk profiles from transaction patterns), Filing Scout (automates SAR and CTR preparation and deadline tracking), Onboarding Scout (guided client onboarding workflows), and Diligence Scout (automated enhanced due diligence collection and reporting). AI is optional and acts as a tool to assist compliance teams, not replace them. Customer data stays in a secure controlled environment and is never sent to third-party model providers. Every Scout action is visible, traceable, and reviewable; AI informs decisions, the compliance team decides. Customers report a 73% reduction in overhead and a 53% reduction in document retrieval time. ## Who RiskScout Serves RiskScout's goal is to help all financial institutions fight financial crime; its specialty is community financial institutions. RiskScout deliberately focuses on community banks and credit unions rather than Tier 1 mega-institutions, and the core BSA/AML and fraud platform fits those institutions regardless of which markets they serve. For institutions that choose to serve additional markets in their communities, RiskScout also provides purpose-built support for those programs: - [Cannabis, THC and Hemp Banking](https://www.riskscout.com/cannabis-thc-hemp): Compliance software for cannabis banking programs, including state license verification and enhanced due diligence. RiskScout supports some of the largest cannabis banking programs in the country. - [MSB and ATM Operators](https://www.riskscout.com/msb-atm): BSA/AML monitoring, fraud detection, and KYC/KYB due diligence for banking money services businesses and ATM operators. - [Fintech and Banking-as-a-Service](https://www.riskscout.com/fintech-and-banking-as-a-service): Compliance infrastructure for sponsor banks running fintech and BaaS partner programs. RiskScout supports some of the largest BaaS programs in the country. - [Non-Resident Aliens and Foreign Individuals](https://www.riskscout.com/non-resident-aliens-and-foreign-individuals): Onboarding and monitoring for NRA account programs. ## Company - [About Us](https://www.riskscout.com/about-us): RiskScout's roots are in higher-risk banking, due diligence, onboarding, and KYB; customers were so pleased with those products that they asked RiskScout to build a full BSA/AML and fraud suite so they could move entirely off outdated tools and processes. The team has done the job its customers do: the Head of Product is a former OCC bank examiner, the Head of Compliance and Client Success is a former BSA officer, and client success hires are former BSA officers. Founded and led by [Justin Fischer](https://www.linkedin.com/in/jftexan/) (Co-Founder and CEO, 21+ years in fintech, quoted in Forbes as a cannabis banking expert), Josh Keys (Co-Founder and CTO), Kristin Parker (SVP of Customer Success, CAMS, CAFP, CCBP certified), Ryan McInerny (Chief Product Officer, former OCC bank examiner, APRP, CAMS, FRM, MSBA certified), Rob Tompkins (CFO and Strategy), Ethan Kratt (VP of Marketing), [Kekoa Park](https://www.linkedin.com/in/kekoa-park-54235993/), and [Ben Stevens](https://www.linkedin.com/in/stevensben/). - Selected by DCI (Data Center Inc.) as its preferred BSA/AML and fraud provider. Graduate of the ICBA ThinkTech accelerator and participant in the FIS Fintech Accelerator program. - [FAQ](https://www.riskscout.com/faq): What RiskScout is, who it serves, pricing model (based on asset size, unified platform), core integrations, fraud types covered, and implementation timelines. - [Partners](https://www.riskscout.com/partners): Partner network and integrations. - [Contact](https://www.riskscout.com/contact-us): Demo requests. ## Articles and Resources - [Resource Library](https://www.riskscout.com/resources): Blog posts, webinars, and downloadable guides on BSA/AML compliance, fraud prevention, cannabis banking, exam preparation, and financial crime trends for community financial institutions. All resources are free. ### Complete Live Article Library - [Beyond the Buzzword: The Dos and Don’ts of AI in AML](https://www.riskscout.com/post/beyond-the-buzzword-the-dos-and-donts-of-ai-in-aml): Discover the do’s & don’ts of AI in AML. Learn key vendor questions, privacy safeguards & real-world use cases to strengthen your BSA program. - [The Final BOI Rule: 17 Questions Asked and Answered](https://www.riskscout.com/post/the-final-boi-rule-17-questions-asked-and-answered): The Corporate Transparency Act's beneficial ownership information (BOI) rule is only five years old, but it's already headed for big changes. - [BSA/AML Decoded: Breaking Down Risk Scoring](https://www.riskscout.com/post/bsa-aml-decoded-breaking-down-risk-scoring): Risk scoring is a key aspect of BSA/AML programs - it’s where expected activity meets actual behavior. Let's dive into how it should work. - [5 Fantastic Years of RiskScout](https://www.riskscout.com/post/5-fantastic-years-of-riskscout): RiskScout is celebrating 5 years of easing regulatory compliance for financial institutions. - [RiskScout Named as DCI’s Preferred BSA/AML & Fraud Provider](https://www.riskscout.com/post/riskscout-named-as-dci-s-preferred-bsa-aml-fraud-provider): RiskScout is named as DCI's preferred BSA/AML and fraud solution as DCI sunsets its BSA solution. - [Scout Stories: Wells River Savings Bank](https://www.riskscout.com/post/scout-stories-wells-river-savings-bank): See how Wells River Savings Bank modernized BSA/AML compliance with RiskScout: cutting manual work, improving exams, and simplifying oversight across high-risk areas. - [BSA Breakthrough: How Bankers Are Upgrading Compliance in 2025](https://www.riskscout.com/post/bsa-breakthrough-how-banks-are-upgrading-compliance-in-2025): Learn how banks from $100M to $2B+ are upgrading BSA compliance with RiskScout. Real insights, real bankers, real results! - [How Blue Sky Bank Used RiskScout to Slash Onboarding Time](https://www.riskscout.com/post/how-blue-sky-bank-used-riskscout-to-slash-onboarding-time): Onboarding customers to a new system is a headache that most bankers avoid. Fortunately, RiskScout made it easy for Blue Sky Bank. - [Keeping Up with OCC Changes,What Actually Matters](https://www.riskscout.com/post/keeping-up-with-occ-changes-what-actually-matters): The OCC is restructuring,but what does it really mean for your bank? Here’s what’s changing, what’s not, and why it matters. - [The Tricks and Treats of Banking MSBs](https://www.riskscout.com/post/the-tricks-and-treats-of-banking-msbs): Money Services Businesses are a great source of deposits, they require extra BSA compliance attention to catch illicit activity. - [Lessons Learned from a Recent BSA Action](https://www.riskscout.com/post/lessons-learned-from-a-recent-bsa-action): When trying to do everything right from a regulatory standpoint, some of the best lessons come from institutions that have run into trouble. - [From Sweethearts to Scammed: Inside Valentine’s Day Fraud](https://www.riskscout.com/post/from-sweethearts-to-scammed-inside-valentines-day-fraud): Uncover how romance scams and deepfake fraud work, learn key red flags, dark web tactics, and practical steps to protect your institution and community. - [Will BSA Expand to Cover Crypto Banking?](https://www.riskscout.com/post/will-bsa-expand-to-cover-crypto-banking): The Digital Asset Anti-Money Laundering Act - if passed, the act would subject some crypto firms to BSA and KYC requirements. - [Fraud Red Flags: Spotting Scams & Stopping Crime at Your Institution](https://www.riskscout.com/post/fraud-red-flags-spotting-scams-stopping-crime-at-your-bank): Spot fraud red flags, stop scams, and learn when to engage law enforcement in this expert-led session for community FIs. - [Learning from SVB and Signature Bank - Contingency Planning & Complex Markets](https://www.riskscout.com/post/learning-from-svb-and-signature-bank-contingency-planning-complex-markets): March, 2023 saw the collapse of two sizable banks, including the second largest bank failure in the nation’s history. What can we learn? - [RiskScout Announces Advisory Services to Help Community Financial Institutions Increase Deposits](https://www.riskscout.com/post/riskscout-announces-advisory-services-to-help-community-financial-institutions-increase-deposits): RiskScout's team of experts aim to help community financial institutions safely navigate complex regulatory landscapes. - [SAR Wars: Revenge of the Myths](https://www.riskscout.com/post/sar-wars-revenge-of-the-myths): The myths are back. We're taking them down. SAR Wars returns May 4th with the BSA truths your program needs. - [Check, Please! Detecting Fraud Before It Costs You](https://www.riskscout.com/post/check-please-detecting-fraud-before-it-costs-you): Check fraud is surging. Legacy tools can't keep up. See how RiskScout + Mitek catch it before it costs you with a live walkthrough included - [RiskScout Partners with the Bankers Helping Bankers Fund to Launch Comprehensive BSA/AML Solution for Community Banks](https://www.riskscout.com/post/riskscout-partners-with-the-bankers-helping-bankers-fund-to-launch-comprehensive-bsa): RiskScout partners with the Bankers Helping Bankers Fund to bring better BSA to community banks. - [RiskScout’s New “Innovative and Adaptable” BSA Solution Makes a Splash](https://www.riskscout.com/post/riskscout-s-new-innovative-and-adaptable-bsa-solution-makes-a-splash): RiskScout’s new BSA/AML solution is transforming compliance with automation, efficiency, and flexibility. Learn how bankers are upgrading,join our live panel on March 20! - [Trump, Banks, and BSA: What’s Next for Financial Crime Compliance](https://www.riskscout.com/post/trump-banks-and-bsa-what-s-next-for-financial-crime-compliance): Discover how Trump-era policies may shape BSA/AML compliance and banking regulations. Get expert tips to stay ahead, adapt fast, and future-proof your programs! - [Cannabis SARs Made Simple: Ready-to-Use Templates for AML Teams](https://www.riskscout.com/post/cannabis-sars-made-simple-ready-to-use-templates-for-aml-teams): Free cannabis SAR templates, including Marijuana Limited, Priority, and Termination filings. Save time and file examiner-ready SARs with confidence. - [Beyond Detection: Building a Holistic, Real‑Time Defense Against Check Fraud](https://www.riskscout.com/post/beyond-detection-building-a-holistic-real-time-defense-against-check-fraud): Protect your FI with real-time, AI-powered check fraud detection. Stop losses, reduce false positives, and protect customers across all channels. - [SAR Narrative Best Practices](https://www.riskscout.com/post/sar-narrative-best-practices): Boost your SAR game! Download our guide to writing compelling SAR narratives that help law enforcement and keep your community safe. Get the best tips and examples in one handy resource! - [Insights from 2023 Audit Findings](https://www.riskscout.com/post/insights-from-2023-audit-findings): Through 2023 compliance audit findings, RiskScout and UBB serve up actionable tips to level up your regulatory compliance. - [RiskScout Unveils “Launch” Program to Increase Access to Powerful BSA & KYC Automation](https://www.riskscout.com/post/riskscout-unveils-launch-program-to-increase-access-to-powerful-bsa-kyc-automation): The Launch program increases RiskScout's speed to value through rapid onboarding, no long-term commitments, and cost effective solutions. - [Violations, Money Penalties, and Consent Orders - Oh My!](https://www.riskscout.com/post/violations-money-penalties-and-consent-orders-oh-my): Now is an excellent time to review challenges other banks and credit unions are experiencing , and shore up your own compliance activities before facing a rebuke from the regulators. - [Launch with RiskScout: Streamlined BSA & KYC Have Never Been Easier](https://www.riskscout.com/post/launch-with-riskscout-streamlined-kyc-has-never-been-easier): RiskScout's Launch program tackles key obstacles to allow financial institutions to unlock the tools they need to grow compliantly. - [ACH Evolution: Preparing for Nacha’s 2026 Rule Changes](https://www.riskscout.com/post/ach-evolution-preparing-for-nachas-2026-rule-changes): Get ready for Nacha’s 2026 ACH rule changes. Learn what’s new, how to strengthen fraud detection and monitoring, and stay compliant with evolving requirements. - [RiskScout Announces Robust Integrated Fraud Functionality](https://www.riskscout.com/post/riskscout-announces-robust-integrated-fraud-functionality): RiskScout expands into fraud with real-time alerts, check image analysis via Mitek, and unified BSA/AML/Fraud workflows,no extra tools or logins required. - [What You Need to Know about FinCEN’s New BOI Reporting Rule](https://www.riskscout.com/post/what-you-need-to-know-about-fincen-s-new-boi-reporting-rule): FinCEN’s new beneficial ownership information (BOI) reporting rule will go into effect on January 1, 2024 - what do you need to know? - [New & Growing Cannabis Banking Programs: Critical Considerations and Why They Matter](https://www.riskscout.com/post/new-growing-cannabis-banking-programs-critical-considerations-and-why-they-matter): Learn the essential considerations to build a strong, successful, competitive, and scalable cannabis banking program. - [Meet the Team: Kristin Parker](https://www.riskscout.com/post/meet-the-team-kristin-parker): Meet Kristin Parker, RiskScout's Vice President of Compliance and Operations and 2023's Top Compliance Leader, voted 2023's Top Compliance Leader by peers at PBC. - [Best Practices and Pricing for Banking Money Services Businesses (MSBs)](https://www.riskscout.com/post/best-practices-and-pricing-for-banking-money-services-businesses-msbs): Download our MSB Banking Guide to learn best practices, risk controls, and pricing strategies for safely serving Money Services Businesses. - [5 Big Challenges Facing BSA and Fraud Teams Today](https://www.riskscout.com/post/5-big-challenges-facing-bsa-and-fraud-teams-today): Explore the top 5 challenges BSA and fraud teams face today, from rising fraud losses to staffing shortages, and learn practical steps your institution can take to stay ahead. - [Protect, Prevent, Prevail: A Bankers' Guide to Check Fraud](https://www.riskscout.com/post/protect-prevent-prevail-a-bankers-guide-to-check-fraud): Discover check fraud prevention strategies, learn from real cases, and equip tools to combat fraud. Protect, prevent, and prevail! - [Bankers Helping Bankers Fund: RiskScout's Customer Spotlight](https://www.riskscout.com/post/bankers-helping-bankers-riskscout-s-customer-spotlight): Implementation, customer support, system efficiency, and more - all from real RiskScout customers. Hear about their first hand experience! - [Dust Off Your BSA Program: Spring Cleaning for AML Success](https://www.riskscout.com/post/dust-off-your-bsa-program-spring-cleaning-for-aml-success): Spring clean your BSA program. Learn how to align with FinCEN priorities, optimize monitoring, and strengthen AML detection before your next exam. - [Risk, Resilience, and Rewards: How Financial Institutions can Handle High-Risk Customers](https://www.riskscout.com/post/risk-resilience-and-rewards-how-financial-institutions-can-handle-high-risk-customers): Tips and tricks for banks and credit unions to navigate increased regulatory scrutiny for higher-risk customers and members. - [RiskScout Selected for ICBA ThinkTECH Accelerator Program](https://www.riskscout.com/post/riskscout-selected-for-icba-thinktech-accelerator-program): RiskScout has been chosen to join the Independent Community Bankers of America’s ThinkTECH Accelerator Program to bring better BSA to banks. - [Protecting Our Elders: A Guide to Financial Exploitation in the AI Era](https://www.riskscout.com/post/protecting-our-elders-a-guide-to-financial-exploitation-in-the-ai-era): Elder financial abuse cost seniors $7.7B in 2025. Learn to spot the schemes, the red flags, and how to protect your customer/members and their families. - [Cannabis Banking Survey: Research Findings](https://www.riskscout.com/post/cannabis-banking-survey-research-findings): RiskScout partners with the ACBA to dive into trends, outlooks, and tangible solutions to help FIs however they choose to handle cannabis. - [SAR Wars: The Law Enforcement Awakens](https://www.riskscout.com/post/sar-wars-the-law-enforcement-awakens): Go from your desk to detective and learn you how your SARs can aid law enforcement efforts in your community. - [Navigating the Banking Landscape: a 2023 Recap and 2024 Outlook](https://www.riskscout.com/post/navigating-the-banking-landscape-a-2023-recap-and-2024-outlook): Explore key insights for 2023 and 2024 in the banking industry. Experts discuss active compliance, tech innovation, and effective monitoring for financial institutions. Stay informed for smarter financial choices. - [RiskScout Announces Comprehensive BSA/AML Solution](https://www.riskscout.com/post/riskscout-announces-comprehensive-bsa-aml-solution): RiskScout announces its new comprehensive BSA/AML solution that streamlines BSA compliance tasks and reduces costs while unlocking new revenue streams for community banks and credit unions. - [NCUA Solicits Input on Climate-Related Financial Risk](https://www.riskscout.com/post/ncua-solicits-input-on-climate-related-financial-risk): Risk comes in all shapes and sizes. The risk caused by climate change is often difficult to detect and often gets overlooked. - [Navigating The Corporate Transparency Act: The Final BOI Rule](https://www.riskscout.com/post/navigating-the-corporate-transparency-act-the-final-boi-rule): With just a few months until FinCEN’s final beneficial ownership reporting rule begins, compliance specialists want to know how to prepare. - [Finally, the Final Rule! Unpacking the New Beneficial Ownership Changes](https://www.riskscout.com/post/finally-the-final-rule-unpacking-the-new-beneficial-ownership-changes): The Beneficial Ownership Final Rule has been released. What changes does it bring and how do financial institutions need to due to prepare? - [Smart Tech, Smarter Compliance: Surviving AI/ML Hype in BSA/AML](https://www.riskscout.com/post/smart-tech-smarter-compliance-surviving-ai-ml-hype-in-bsa-aml): AI and ML can be powerful tools in BSA/AML,if you prioritize transparency, privacy, and regulatory readiness. - [BSA/AML Decoded: Unpacking Transaction Monitoring](https://www.riskscout.com/post/bsa-aml-decoded-unpacking-transaction-monitoring): Learn effective transaction monitoring methods, overcome challenges, and enhance your compliance practices in Part 2 of our webinar series. - [CEO Ask Me Anything: Managing Risk in Uncertain Times](https://www.riskscout.com/post/ceo-ask-me-anything-managing-risk-in-uncertain-times): Join Quantivate CEO Andy Vanderhoff and RiskScout CEO Justin Fischer for this provocative and informative panel. - [Banking Horizons 2024: Navigating Insights, Embracing Change](https://www.riskscout.com/post/banking-horizons-2024-navigating-insights-embracing-change): Discover 2023 insights, 2024 trends, and prep for banking success. Join leaders for strategies in the evolving financial landscape. - [RiskScout Selected for FIS Fintech Accelerator Program](https://www.riskscout.com/post/riskscout-selected-for-fis-fintech-accelerator-program): RiskScout joins the FIS Fintech Accelerator! We're revolutionizing compliance and risk management for financial institutions. - [A RiskScout Refresh - Why We Rebuilt Our Website](https://www.riskscout.com/post/a-riskscout-refresh-why-we-rebuilt-our-website): We have fully rebuilt our website to highlight our customers, solutions, and values so we can better serve community financial institutions. - [From Scramble to Success: How to Pass Your Next BSA Audit with Confidence](https://www.riskscout.com/post/from-scramble-to-success-how-to-pass-your-next-bsa-audit-with-confidence): These 5 tips from a former BSA Officer will help you better prepare for you next BSA audit. - [Quantivate and RiskScout Partner to Enable FIs to Confidently Enter Higher-Risk Markets](https://www.riskscout.com/post/quantivate-and-riskscout-partner-to-enable-fis-to-confidently-enter-higher-risk-markets): Compliance technology leaders combine risk management expertise to help financial institutions manage demands of high-growth sectors. - [Money Services Businesses: Seizing New Opportunities](https://www.riskscout.com/post/money-services-businesses-seizing-new-opportunities): Money services businesses are great opportunities when strong compliance practices are in place. Discover the keys to avoiding problems & the solutions we offer. - [Free Risk Assessment Template: Your Foundation for a Sound Compliance Program](https://www.riskscout.com/post/risk-assessment-template-your-foundation-for-a-sound-compliance-program): It's difficult to find a good free Risk Assessment template in the wild, so RiskScout decided to create our own to help guide you. - [Banking FinTechs: Knowing the Risk for the Reward](https://www.riskscout.com/post/banking-fintechs-knowing-the-risk-for-the-reward): With the FinTech industry expected to be worth over $900 billion by 2030, financial institutions are wondering if the risks are worth it. - [Looking Back on the ICBA's ThinkTECH Accelerator Program](https://www.riskscout.com/post/thinking-back-on-icbas-thinktech-accelerator-program-2024): RiskScout reviews this year's ICBA ThinkTECH Accelerator Program and shares thoughts, insights, and what we're working on next for community banks. - [BSA/AML Decoded: Investigations & Case Management](https://www.riskscout.com/post/bsa-aml-decoded-investigations-case-management): Improve your investigation methods, streamline case management, and boost BSA efficiency to keep your community safe from financial crimes. - [Signs It's Time to Replace Outdated BSA/AML Software](https://www.riskscout.com/post/replace-outdated-bsa-aml-software): RiskScout explains the warning signs that BSA/AML software no longer fits a financial institution, what delays can cost, and how to begin a structured review. - [How to Choose a BSA/AML Replacement for Your Credit Union](https://www.riskscout.com/post/bsa-aml-replacement-credit-union): Learn how to plan a BSA/AML replacement for your credit union, compare vendors, migrate data, run systems in parallel, and evaluate RiskScout confidently. - [Five Takeaways from the Lyft and Stride Bank BaaS Partnership](https://www.riskscout.com/post/five-takeaways-from-the-lyft-and-stride-bank-baas-partnership): Banking as a Service is a growing market, with companies like Lyft becoming household names. But how do these banking relationships work? - [New Nacha Rules in Practice: What We've Learned So Far](https://www.riskscout.com/post/new-nacha-rules-in-practice-what-weve-learned-so-far): New Nacha ACH rules are now officially in effect for everyone. Learn what's changing, how bankers are adapting, and how to get your program compliant before the deadline. - [Understanding the Four Top BSA Violations,and How To Avoid Them](https://www.riskscout.com/post/understanding-the-four-top-bsa-violations-and-how-to-avoid-them): Violations tend to fall into four buckets: CTRs, SARs, required information sharing, and inadequate internal controls. - [Breaking the Chains: How Bankers Can Fight Human Trafficking](https://www.riskscout.com/post/breaking-the-chains-how-bankers-can-fight-human-trafficking): Human traffickers hide in everyday transactions. Learn the red flags, response steps, and SAR tips bankers need to act fast and fight back. - [Training That Actually Works: Why Banks and Credit Unions Need to Hold Fintechs and MSBs to a Higher Standard](https://www.riskscout.com/post/training-that-actually-works-why-banks-and-credit-unions-need-to-holdfintechs-and-msbs-to-a-higher): Banks can’t outsource compliance. Strong fintech & MSB training is a frontline control that protects your FI, reduces risk, and builds regulator trust. - [Nacha's 2026 ACH Rule Changes: A Downloadable Guide](https://www.riskscout.com/post/nachas-2026-ach-rule-changes-a-downloadable-guide): 63% of bankers feel unprepared for Nacha's 2026 ACH changes. This guide breaks down every deadline and what your team needs to do now. - [Preparing for 4/20: Specialty Banking & Cannabis Programs Unpacked](https://www.riskscout.com/post/preparing-for-4-20-specialty-banking-cannabis-programs-unpacked): Learn the intricacies of specialty banking, from hiring specialized staff to setting realistic expectations and leveraging the right tools. - [DCI Partners with Compliance Leader RiskScout to Reduce Operational Burdens for Community FIs](https://www.riskscout.com/post/dci-partners-with-compliance-leader-riskscout-to-reduce-operational-burdens-for-community-fis): RiskScout partners with core provider DCI to help community financial institutions reduce manual workloads and tackle compliance challenges. - [Workshop: Navigating Compliance Challenges for Cannabis Related Businesses](https://www.riskscout.com/post/workshop-navigating-compliance-challenges-for-cannabis-related-businesses): This workshop will cover topics such as federal/state cannabis laws, regulatory guidance, risk assessment, financial modeling, & more. - [Taking the B***S*** Out of Budget Season](https://www.riskscout.com/post/taking-the-bs-out-of-budget-season): Navigate 2025's budget season with ease. Discover top strategies for efficient tech investments, streamlined compliance, and new market expansion. - [Banking as a Service: Objectives, Opportunities, and Obstacles](https://www.riskscout.com/post/banking-as-a-service-objectives-opportunities-and-obstacles): From staffing resources to revenue goals, we define how BaaS affects the banking technology space and how you can find efficiencies. - [Workshop: Navigating Compliance Challenges for FinTechs](https://www.riskscout.com/post/workshop-navigating-compliance-challenges-for-fintechs): Participants will learn how to right-size their compliance approach for FinTechs and BaaS with insights from real-world case studies. - [RiskScout Expands Security Offering with New Fraud Detection Partnerships](https://www.riskscout.com/post/riskscout-expands-security-offering-with-new-fraud-detection-partnerships): RiskScout partners with Q6 Cyber and SQN Banking Systems to add powerful and innovative fraud solutions to its BSA/AML portfolio. - [ABCs of BaaS: A Guide to Banking as a Service](https://www.riskscout.com/post/abcs-of-baas-a-guide-to-banking-as-a-service): What do successful FinTech partnerships look like and how can you tell a good relationship from one you should avoid? - [3 Barriers Blocking Your BSA Team (and How to Remove Them)](https://www.riskscout.com/post/3-barriers-blocking-your-bsa-team-and-how-to-remove-them): Discover how to remove barriers for your BSA team with RiskScout's tips on enhancing visibility, updating tools, and automating KPIs. - [Confessions of a Former Examiner: How to Pass BSA Reviews with Confidence](https://www.riskscout.com/post/confessions-of-a-former-examiner-how-to-pass-bsa-reviews-with-confidence): Get insider tips on BSA exam prep from a former OCC examiner. Learn what regulators look for and how to reduce exam stress. - [Mail Theft, Dark Web Sales, and Counterfeits: Combating Today’s Check Fraud Threats](https://www.riskscout.com/post/mail-theft-dark-web-sales-and-counterfeits-combating-today-s-check-fraud-threats): RiskScout's partner, SQN Banking Systems, shares the scams behind the rise in check fraud and how community institutions can stay ahead. - [NCUA Gives Fintech Partnerships an Enthusiastic Thumbs Up](https://www.riskscout.com/post/ncua-gives-fintech-partnerships-an-enthusiastic-thumbs-up): NCUA opened its Office of Financial Technology and Access, signaling of the importance of fintech partnerships for credit unions. We interviewed Rodney E. Hood to learn more. - [Eight Questions To Help Finalize Your 2024 Budget](https://www.riskscout.com/post/eight-questions-to-help-finalize-your-2024-budget): Starting the new year strong doesn't begin on January 1st - it starts in budget season. These eight questions can help you prepare. - [Winter Reflections: Deep Lessons from First Republic Bank's Downfall](https://www.riskscout.com/post/winter-reflections-deep-lessons-from-first-republic-bank-s-downfall): As we review the past year & plan for the next, the case of First Republic Bank is a stark reminder of the importance of sound financial practices. - [BSA/AML 5 Pillars Compliance Program Review Checklist](https://www.riskscout.com/post/bsa-aml-5-pillars-program-review-checklist): 34 checkable items across the five BSA pillars FinCEN requires. Use this checklist to find program gaps before your next exam. - [Everything You Need to Know About Crypto](https://www.riskscout.com/post/everything-you-need-to-know-about-crypto): With 20% of Americans owning cryptocurrency, it's crucial to understand growth and risk management strategies for the growing transactions. - [From Theft to Deposit: How Check Fraud Happens,and How to Stop It](https://www.riskscout.com/post/from-theft-to-deposit-how-check-fraud-happens-and-how-to-stop-it): Check fraud is plaguing banks and credit unions,join our webinar to learn how to spot scams and stop losses at your FI. - [Taking the CYA Out of KYC: Due Diligence for Bankers](https://www.riskscout.com/post/taking-the-cya-out-of-kyc): Master modern KYC with tips to streamline due diligence, reduce risk, and satisfy examiners without the stress. - [Six Tips for Hiring the Best and Brightest in Compliance](https://www.riskscout.com/post/six-tips-for-hiring-the-best-and-brightest-in-compliance): Finding qualified candidates to fill open jobs is a major problem for banking executives, especially for compliance functions. - [RiskScout Partners with Data Center Inc. to Launch Comprehensive BSA/AML Solution for Community Banks](https://www.riskscout.com/post/riskscout-partners-with-data-center-inc-to-launch-comprehensive-bsa-aml-solution): RiskScout and Data Center Inc. (DCI) partner to bring powerful BSA/AML solutions to community banks and credit unions. - [RiskScout Partners with United Bankers’ Bank to Launch Comprehensive BSA/AML Solution for Community Banks](https://www.riskscout.com/post/riskscout-partners-with-united-bankers-bank-to-launch-comprehensive-bsa-aml-solution): RiskScout partners with United Bankers' Bank to bring comprehensive BSA/AML solutions to community banks. - [Human Trafficking Prevention Month: A Quick Guide for Financial Professionals](https://www.riskscout.com/post/human-trafficking-prevention-month-a-quick-guide-for-financial-professionals): Learn to spot human trafficking red flags through behaviors and financial activity. Download our guide to help protect your community and #EndTrafficking - [Castle Creek Launchpad Invests in RiskScout, Closing Seed Round](https://www.riskscout.com/post/castle-creek-launchpad-invests-in-riskscout-closing-seed-round): RiskScout earned an investment from a fund backed by community banks, closing its fundraising round and poising the company for success. - [RiskScout's Graduate School of Banking Presentation](https://www.riskscout.com/post/riskscouts-graduate-school-of-banking-presentation): Watch RiskScout's ICBA ThinkTECH Accelerator presentation on the importance of innovative BSA/AML programs for community banks. Learn how to stay compliant, efficient, and protect your community. - [The Customer is Always Right](https://www.riskscout.com/post/the-customer-is-always-right): What do multi-purpose tools, 114 accounts in ~60 days, & happy FI customers have in common? Us. Listen to our partners describe their RiskScout experiences. - [Strengthening Risk & Compliance Functions: Best Practices and Technological Innovations](https://www.riskscout.com/post/strengthening-risk-and-compliance-functions): Risk and compliance are two critical elements that need to work in tandem for an institution's success. Let's break down barriers and silos. - [BSA 101: Covering the Basics with United Bankers’ Bank](https://www.riskscout.com/post/bsa-101-covering-the-basics-with-united-bankers-bank): Learn to avoid common pitfalls, plan for staff turnover, and enhance your bank’s resilience with expert insights with United Bankers' Bank. - [What to Expect from 2025 - A Guide for AML Teams](https://www.riskscout.com/post/what-to-expect-from-2025-a-guide-for-aml-teams): 2025 is here! Stay ahead of AML challenges with insights on FinCEN priorities, regulatory shifts, and rising penalties. - [How ChatGPT Can - and Can’t - Assist Your Compliance Team](https://www.riskscout.com/post/how-chatgpt-can-and-can-t-assist-your-compliance-team): Can (and should) banks and credit unions use AI like ChatGPT to streamline their compliance processes? - [BSA Unwrapped](https://www.riskscout.com/post/bsa-unwrapped): Join BSA Unwrapped, a Spotify Wrapped-inspired webinar, for 2024's financial crime hits. Explore enforcement actions, BSA/AML regulations, and industry trends. Don’t miss the beat! - [RiskScout Emerges as ICBA ThinkTECH Accelerator Graduate](https://www.riskscout.com/post/riskscout-emerges-as-icba-thinktech-accelerator-graduate): RiskScout completes ICBA ThinkTECH Accelerator, continuing as ICBA Corporate Member with advanced BSA/AML solutions for community banks. - [The Collapse of Silicon Valley Bank Explained for Beginners](https://www.riskscout.com/post/the-collapse-of-silicon-valley-bank-explained-for-beginners): The collapse of SVB rocked the banking world and made community financial institutions wonder if they might be next. How did we get here? - [Will Missouri’s Strong Opening Cannabis Sales Reel in Bankers?](https://www.riskscout.com/post/will-missouri-s-strong-opening-cannabis-sales-reel-in-bankers): Missouri's sales of $102.9 million in it's first month lands it in the third place in the rankings of opening cannabis sales for all time. ## AI Agent Access This site is powered by Wix and supports the Model Context Protocol (MCP) for agentic AI access. AI agents can connect directly to retrieve live, up-to-date site content - no scraping required. - **Site MCP Endpoint:** https://www.riskscout.com/_api/mcp - **Wix MCP Docs:** https://dev.wix.com/docs/develop-websites/articles/get-started/about-the-wix-site-mcp ## Available MCP Tools ### GetBusinessDetails Retrieves business and site details such as timezone, email, phone, and address. - No parameters required. ### SearchInSite Searches the site for information. - `searchTerm` - The term to search for in the site. ### SearchSiteApiDocs Retrieves the API documentation for the Wix business solutions installed on this site, and informs the AI client how to use the APIs. Use this tool for querying products and services (instead of SearchInSite). - `searchTerm` - The term to search for in the site API documentation. ### GenerateVisitorToken Creates a new visitor session and obtains a visitor access token for the site. Must be called before making any CallWixSiteAPI request if no visitor token is already available in context. - No parameters required. ### CallWixSiteAPI Calls API methods on the site to perform actions on a visitor's behalf, such as querying site data, booking an appointment, or starting a purchase. - `visitorToken` - Visitor access token. Use GenerateVisitorToken first if not available. - `url` - Absolute URL of the API method to call (e.g. https://www.wixapis.com/...). Retrieve using SearchSiteApiDocs. - `method` - HTTP method to use for the API call. - `body` - Request body as a valid JSON string. ### ReadFullDocsArticle Fetches a complete article from the Wix developer documentation portal. - `articleUrl` - URL of an article in the Wix developer documentation portal. ### ReadFullDocsMethodSchema Fetches the full schema for a Wix API method. Should be called before calling the actual method via CallWixSiteAPI. - `articleUrl` - URL of the reference article for the Wix API method. ## What Visitors Can Do via AI + MCP - Get business details (contact info, location, hours) - Discover products and services on offer - Book services and make reservations - Start a purchase and be directed to the site to complete checkout - Ask questions and get relevant answers without having to browse the site ## Notes - No authentication required to connect to the MCP endpoint - Only public information accessible on the site is available - Content is always live and up to date - To receive tool updates, implement a tools/list call upon receipt of a tool update notification