Real-Time Compliance
Testing Platform
The industry tests 2–3% of transactions. We test 100% — in real time. AI-powered detection, examiner-perspective design, and full auditability across every compliance domain.
The Problem
The Industry Standard Is a Rounding Error
Regulators expect independent testing commensurate with your risk profile. The industry responds with 2–3% transaction sampling, batch processing, and point-in-time reviews. Structuring schemes, sanctions evasion, and compliance gaps slip through — and you find out during the exam, not before it.
Platform Capabilities
Built for How Examiners Actually Examine
Designed by a former enforcement attorney and regulatory examiners — every capability reflects what regulators look for, not what vendors assume they want.
100% Transaction Coverage
Every transaction tested in real time — not the industry-standard 2–3% sample. Structuring, layering, velocity anomalies, and threshold breaches caught as they happen, not weeks later.
AI-Driven Remediation
Machine learning identifies the root cause of every finding and recommends specific fixes — updated rules, threshold adjustments, policy changes — with implementation guidance your team can act on immediately.
Complete Audit Trail
Every test, every result, every remediation action logged with timestamps, user attribution, and regulatory mapping. Examination-ready from the moment you go live.
Regulatory Intelligence
Continuous monitoring of FFIEC, FinCEN, OCC, FDIC, Federal Reserve, FATF, and Wolfsberg updates. Rule changes mapped to your controls automatically — before your next exam, not after.
Cross-Domain Testing
BSA/AML, OFAC, KYC/CDD/EDD, Travel Rule, CTR/SAR accuracy, CIP, beneficial ownership, PEP screening, adverse media, fraud, fair lending, and consumer compliance — one platform.
Examiner-Perspective Design
Built by a former enforcement attorney and regulatory examiners. Every test, threshold, and report designed from the perspective of the people who will examine you.
Why It Matters
Sampling vs. Certainty
Legacy platforms test a fraction and call it compliance. Here's what changes when you test everything.
| Metric | Industry Standard | 7T World Platform |
|---|---|---|
| Transaction Coverage | 2–3% sample | 100% of transactions |
| Detection Speed | Hours to days | Real-time (seconds) |
| Compliance Domains | 1–3 per vendor | 13 domains, one platform |
| False Positive Rate | 85–99% | <5% with ML tuning |
| Remediation Guidance | Manual analysis | AI-recommended fixes |
| Regulatory Updates | Quarterly reviews | Continuous monitoring |
| Audit Trail | Periodic snapshots | Continuous, immutable log |
| Testing Perspective | Internal compliance | Examiner-perspective |
Comprehensive Coverage
13 Compliance Domains. One Platform.
No existing vendor covers all of these. Most cover two or three. We test across every domain your examiners will — because we've been those examiners.
BSA/AML Transaction Monitoring
Structuring, layering, integration, trade-based ML, shell company patterns — every typology tested against every transaction.
FFIEC BSA/AML Manual, FinCENOFAC / Sanctions Screening
Real-time SDN, consolidated, and sectoral list screening with fuzzy matching, name variations, and alias detection.
OFAC Compliance FrameworkKYC / CDD / EDD
Customer risk scoring accuracy, periodic review adherence, source-of-funds documentation, and risk categorization validation.
FFIEC CDD Rule, WolfsbergTravel Rule Compliance
Originator and beneficiary data completeness for wire transfers and virtual asset transfers across jurisdictions.
FATF Rec. 16, FinCENCTR / SAR Filing Accuracy
Mandatory field completeness, narrative quality, filing timeliness (30/60-day windows), and escalation workflow validation.
FinCEN Forms 112 & 111CIP Testing
Customer identification data collection, verification methods, government list checks, and exception handling procedures.
USA PATRIOT Act § 326Beneficial Ownership
Identification and verification of 25%+ owners and controllers, periodic review schedules, and UBO change monitoring.
FinCEN BOI RulePEP Screening
Initial and ongoing screening, family/associate coverage, EDD application, and relationship change monitoring.
FATF Rec. 12, WolfsbergAdverse Media Monitoring
Global news source coverage, alert relevance scoring, false positive handling, and KYC data cross-referencing.
Wolfsberg, FATF Rec. 10Fraud Detection Systems
Detection rule accuracy, typology coverage, false positive rates, real-time intervention capabilities, and AML integration.
FFIEC, OCC Heightened StandardsFair Lending / UDAAP
Disparate impact analysis, geographic lending patterns, underwriting consistency, and pricing tier equity.
ECOA, Reg B, CFPBConsumer Compliance
TILA/RESPA disclosure accuracy, APR calculations, tolerance compliance, and HMDA data collection/reporting.
TILA, RESPA, HMDA, TRIDModel Risk Management
Validation of transaction monitoring models, behavioral analytics, risk scoring systems, and detection algorithms.
Fed SR 11-7, OCC 2011-12See It in Action
Explore a live preview of the real-time compliance testing platform — click through tabs to see how 7T World tests 100% of transactions, flags issues in real time, and provides AI-driven remediation guidance.
| Time | Txn ID | Type | Amount | Tests Run | Status | Latency |
|---|---|---|---|---|---|---|
| 14:32:07.341 | TXN-9847201 | Intl. Wire | $247,500 | 13/13 | Pass | 0.18s |
| 14:32:07.298 | TXN-9847200 | ACH Debit | $9,800 | 13/13 | Flag | 0.22s |
| 14:32:07.255 | TXN-9847199 | FedNow | $3,200 | 13/13 | Pass | 0.14s |
| 14:32:07.201 | TXN-9847198 | Card POS | $142.89 | 13/13 | Pass | 0.09s |
| 14:32:07.187 | TXN-9847197 | Crypto (BTC) | $18,750 | 13/13 | Pass | 0.31s |
| 14:32:07.142 | TXN-9847196 | Dom. Wire | $9,950 | 13/13 | Alert | 0.19s |
| 14:32:07.098 | TXN-9847195 | BNPL | $1,899.00 | 13/13 | Pass | 0.11s |
| 14:32:07.054 | TXN-9847194 | RTP | $5,400 | 13/13 | Pass | 0.16s |
| Timestamp | Event | Domain | Actor | Details | Hash |
|---|---|---|---|---|---|
| 2026-02-22 14:32:07 | Alert Generated | BSA/AML | System | FIND-RT-2026-089: Structuring pattern | a3f8c2... |
| 2026-02-22 14:32:07 | AI Analysis | BSA/AML | AI Engine | Remediation generated (4 steps) | 7b2e91... |
| 2026-02-22 14:28:15 | Finding Updated | OFAC | J. Martinez | FIND-RT-2026-087: Moved to In Review | d4c7f0... |
| 2026-02-22 14:15:00 | Reg Update | Regulatory | System | FinCEN SAR FAQ change detected | e9a1b3... |
| 2026-02-22 13:45:22 | Finding Resolved | KYC/CDD | A. Chen | FIND-RT-2026-081: EDD docs received | 1f5d82... |
| 2026-02-22 12:00:00 | Model Validated | SR 11-7 | System | TM Model v4.2: accuracy 98.7%, drift 0.02% | c3b8a7... |
| 2026-02-22 09:00:01 | Daily Report | All | System | 2,847,391 txns tested · 47 findings · 0 gaps | f2e4d6... |
Stop Sampling. Start Testing.
The industry tests 2–3% and hopes for the best. Your examiners won't. Whether you're evaluating your testing program or ready to move to 100% coverage — we have a path for you.
Request a Testing Assessment
A 7T World specialist will evaluate your current testing program against all 13 compliance domains and deliver a gap analysis with examiner-perspective prioritization.
- ✓ Coverage analysis across all 13 domains
- ✓ Current sampling rate vs. risk exposure
- ✓ Examiner-perspective gap prioritization
- ✓ 30-minute executive briefing
Download the Testing Framework
Our framework for mapping compliance testing across 13 domains — what examiners look for, what most institutions miss, and how 100% testing changes the equation.
- ✓ 13-domain testing coverage map
- ✓ Examiner expectations by domain
- ✓ Sampling vs. 100% testing comparison
- ✓ Implementation roadmap