PATRIOT OFFICER® is endorsed by the American Bankers Association, New York Bankers Association, California Bankers Association, Pennsylvania Bankers Association, Florida Bankers Association, Colorado Bankers Association, Kentucky Bankers Association, Wyoming Bankers Association, Vermont Bankers Association, Montana Bankers Association et al. and a majority of the leading core processing system vendors across the nation as the #1 BSA/AML/ATF solution. More and more financial institutions are replacing their legacy BSA/AML products with the PATRIOT OFFICER®. PATRIOT OFFICER® uses innovative and exclusive technology, Dynamic Multidimensional Risk-Weighted Suspicious Activities DetectorTM (U.S. patent pending), to empower financial institutions to effectively comply with the requirements listed in the new BSA/AML Examination Manual which was jointly published by the Federal Reserve, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, Office of Thrift Supervision and National Credit Union Administration. In accordance with the “risk-based” guidelines issued by the Federal Financial Institutions Examination Council (FFIEC), the entire client base of a financial institution is efficiently sliced and diced by PATRIOT OFFICER® into hundreds of dimensions with unique risk assigned to each dimension. By integrating the “risk policy” of the financial institution with these hundreds of dimensions, PATRIOT OFFICER® effectively automates the “procedure” of risk management. With dynamically-adjusted, risk-weighted adaptive algorithms, PATRIOT OFFICER® proactively enforces the entire risk-based BSA/AML/ATF “process” by monitoring, screening, detecting, alerting, investigating and analyzing suspicious activities of all transactions across all product lines in a financial institution with the highest resolution and accuracy. PATRIOT OFFICER®, well known for having the highest degree of automation, efficiency and accuracy, is a highly scalable and fully integrated solution for financial institutions of all sizes. The largest customer has about $100 billion in asset size. More than 100 of its customers have more than $1 billion in asset size. In addition, the PATRIOT OFFICER® is offered to small and mid-sized financial institutions through many core processing system vendors and data centers. Thousands of professionals are using the PATRIOT OFFICER® to automate their BSA/AML compliance processes with peace of mind. Furthermore, the PATRIOT OFFICER® exclusively interfaces with United Crimes Elimination NetworkTM (www.UCEN.net), forging the most powerful global network to eliminate financial crimes and prevent losses to financial institutions. PATRIOT OFFICER® is highly recommended by compliance professionals and experts across the nation as the most comprehensive and advanced BSA/AML/ATF system. It empowers financial institutions to efficiently comply with the USA PATRIOT Act, the Bank Secrecy Act, and the requirements set by OFAC, FinCEN and other government organizations. As the most advanced rule-based intelligent solution, PATRIOT OFFICER® has integrated the experience and knowledge from thousands of compliance professionals, and has helped many financial institutions smoothly pass regulatory examinations. It tremendously reduces operational costs, eliminates risks, maximizes return on investment, increases profitability and safeguards financial institutions of all sizes. As the regulators are raising their BSA/AML standards, many financial institutions are still using primitive methods, which produce Currency Transaction Reports (“CTRs”) and Suspicious Activity Reports (“SARs”), and update the OFAC list manually. However, except for those obviously abnormal behaviors observed by tellers, most suspicious activities are not easy to detect. For many financial institutions, detecting suspicious activities has been more of an art than a science. In addition to the suspicious activities reported by tellers, an experienced person in the financial institution will look over all the currency transactions and try to manually detect the suspicious activities from these transactions. This kind of approach is no longer sufficient after regulators have become much more serious in their examinations as a result of the USA PATRIOT Act. For example, based on the traditional anti-money laundering requirements during regulator examinations, individual accounts with independent account holders and tax IDs would be monitored independently. However, based on the recent requirements in examinations, a financial institution must link these independent accounts as one group to monitor and file SARs if they are in any way related. The scope for determining the relationships that form “a group” can be very broad. For example, totally unrelated people living at the same address must be monitored as one group. A few companies having one common general partner in charge must be monitored as one group. Several individuals or entities having the same power of attorney must be monitored as one group. This kind of relationship grouping and monitoring can become very broad and complicated. There is simply no way to monitor these groups manually. Even for a small financial institution, which has a very limited number of currency transactions, a manual detection of suspicious activities is not practical. Since a person is not a computer, the results of a manual detection process may depend largely on that person’s mood, mind, health condition or other human factors. Furthermore, if the person has personal problems or quits the job, a financial institution will be immediately exposed to high compliance risks. Innovative Solution PATRIOT OfficerTM is designed based on the experience and knowledge of hundreds of compliance professionals. It links all employees and the compliance department to a server, which stores all the customer information and the transaction records in a database. To “compete against” the experienced government regulators, PATRIOT OfficerTM uses knowledge-based artificial intelligence to establish a comprehensive set of algorithms in detecting suspicious activities. A financial institution is no longer depending on its own experience to meet the regulatory requirements. The experience and knowledge from other compliance professionals will be integrated to help a compliance department detect suspicious activities and structured transactions. Therefore, even a new employee of the compliance department can produce CTRs and SARs with great confidence. PATRIOT OfficerTM keeps seven to ten years of detection records, exemption records, reasons for not filing specific reports, and all the reports that have been filed with FinCEN. Furthermore, it produces various reports for regulators’ examinations, risk management, and auditing purposes. In addition to complying with the USA PATRIOT Act, PATRIOT OfficerTM helps a financial institution to detect suspicious check deposit and withdrawal activities to avoid check kiting. PATRIOT OfficerTM also manages USA PATRIOT Act compliance issues by making sure that all the wire transfers and SWIFT transactions are evaluated against the blacklist published by the US government. It enables a bank teller to quickly evaluate a new customer’s information against the OFAC List, the Denied Person List (DPL) and the Politically Exposed Persons List (PEP), and conduct a complete customer identification and verification procedure before opening an account for the new customer. It also periodically examines the customer database to detect any match between existing customers and the newly published blacklists. PATRIOT OfficerTM adopts the advanced browser-based technology to facilitate user access. There is little need for user training or technical support. PATRIOT OfficerTM is compatible with Unix, Windows, and Linux. It uses the ”thin client” system architecture, which means that a user computer with very small memory and no hard drive can still smoothly access PATRIOT OfficerTM. Conclusion The advantages of using PATRIOT OfficerTM are outlined as follows: Innovative approach helps a financial institution comply with the BSA,    OFAC and the USA PATRIOT Act requirements. Knowledge-based artificial intelligence eliminates the dependence on    a particular employee and reduces compliance risks. Knowledge Builder offers flexible architecture that prepares a financial    institution to accomodate the constantly changing rules and    regulations Advanced security meets and exceeds the banking privacy    requirements. Integrated platform provides links to other powerful applications such    as Policy ManagerTM, Collaboration CenterTM, Report ManagerTM,    Image ManagerTM Customer EvaluatorTM, Performance NavigatorTM,    Portfolio ManagerTM, etc. Web-centric technology ensures quick response time even to the    remote users in the branches. Browser-based application promises user-friendly environment. Turnkey packages guarantees smooth and quick installation. Available to all tellers without the need to install or maintain any    software in the user computer. PATRIOT OfficerTM is the most advanced and comprehensive computer system that helps a financial institution comply with the BSA, the OFAC, and the USA PATRIOT Act requirements through an intelligent and systematic approach. It accumulates the valuable knowledge and experience from senior bankers, eliminates the dependence on individual employees, and adapts to the constant changes of government rules and regulations. It can save a financial institution a tremendous amount of time and money, avoid human mistakes and frustration, eliminate compliance risks, and increase the overall profitability.