What does 1990s rule-based
monitoring actually cost
your institution?
A bottom-up business case calculator built on industry-standard time-per-task benchmarks. Adjust to match your actual volumes — every figure reconciles cleanly to your analyst budget. No marketing math.
Three numbers every BSA team already knows.
Rule-based transaction monitoring systems produce false-positive rates exceeding 90% — flooding understaffed teams with noise.
Hours spent per SAR across investigation, narrative drafting, QA review, and filing — industry midpoint per LexisNexis & ACAMS.
FinCEN processed 4.7 million Suspicious Activity Reports in fiscal year 2024 — roughly 12,870 per day, the majority never actioned.
Banking regulator enforcement actions rose 34.5% year-over-year. OCC actions alone nearly doubled, from 56 to 107.
Bottom-up. Internally consistent. No hand-waved unit costs.
Effective hourly rate
Fully loaded FTE cost ÷ productive hours per year × (1 + indirect overhead). Default: $90,000 ÷ 1,800 hrs × 1.15 = $57.50/hour.
Time × volume × rate
Annual labor cost summed across alerts, cases, SARs, continuing SARs, and rework — every line derived from time-per-task benchmarks.
Reconciliation check
Implied FTE need vs. stated FTEs. If they don't match, the calculator flags it — and that gap usually reveals what's actually happening on the ground.
Pick your tier. Adjust everything. Watch the numbers reconcile.
This is an Estimator only · not financial advice.
Bring this analysis to your actual portfolio. Thirty minutes with a founder.
Vigilic replaces legacy rule engines with an ML-native platform — 275 behavioral features across 14 risk categories, generating high-confidence investigation cases instead of alert floods. We're working with community banks and credit unions to validate the model against real volumes.