Faster compliance. Better-grounded decisions.
Specialized AI, example cases built on real typologies, and consultations with a compliance officer on the Premium plan, for compliance and fraud teams — all in one place.
Coverage across the areas that matter
First, some context
What is compliance, and where does Confluir fit?
Compliance is the work of making sure a financial institution follows the laws that regulate it. Confluir focuses on one specific part of that work: preventing financial crime.
- 1 · The field
Preventing financial crime
Credit unions, banks, money transmitters, and fintechs are required by law to prevent money laundering, to avoid doing business with sanctioned parties, and to detect fraud against their customers.
- 2 · Who they answer to
Regulators who examine them
The rules are set by federal agencies such as FinCEN and OFAC, both part of the U.S. Treasury, and supervised by regulators such as the NCUA, or COSSEC and OCIF in Puerto Rico. Their examiners check that each institution complies.
- 3 · Where we help
Understand, decide, document
Confluir helps you know what each rule requires, decide what to do in a specific case, and document it for the exam, with the official source in plain view.
Should I file a SAR (suspicious activity report) for $9,800 cash withdrawals on three consecutive days?
That pattern can indicate structuring: splitting cash to stay under the $10,000 threshold that triggers a report. Review the customer's expected activity and profile — if it's inconsistent, a SAR is likely warranted. Here's how to document it…
Source: FinCEN · 31 CFR §1020.320
Consult an officerThe platform
Everything you need in one place
Four ways Confluir helps you work faster and with more confidence.
Specialized AI agents
Six expert agents for anti-money laundering (BSA/AML), sanctions (OFAC), fraud, regulatory translation, and regulatory exam prep — answers grounded in 200+ official regulatory sources.
Explore →Money laundering & fraud case library
Learn from anonymized example cases built on real typologies. Filter by industry, region, and type of scheme.
Explore →Trainings & paths
Structured learning paths to level up your team and prepare for certifications.
Explore →Consult a live officer
When AI isn't enough, a compliance officer guides you over real-time chat. Included in the Premium plan.
Explore →Who it's for
One place for the whole team
You don't need to be a specialist to get value from it. Each role starts where it needs to.
Compliance officers
Answers with the regulatory citation, findings and policies in minutes, and a consultation with an officer (Premium plan) when the case calls for one.
Management and boards
Understand what the regulator expects from your institution and what to ask your team, without being a specialist.
People new to the field
Learn the trade with bilingual learning paths, mock exams, and a guide that explains the basics in plain language.
Fraud teams
Typologies, red flags, and when a fraud case also has to be reported to the authorities.
How it works
From question to answer in minutes
Ask
Pick a specialized agent and ask in plain language — English or Spanish.
Go deeper
Browse example cases, take a training, or, on the Premium plan, consult a human officer.
Act with confidence
Get grounded guidance you can validate against official sources and your own processes.
Why Confluir
Built for serious compliance
Private by design
Cases are fully anonymized and officers stay anonymous to you.
Officers under NDA
Every officer signs an NDA and code of conduct before taking a consultation. They guide; they don't edit or approve your documents.
Bilingual, natively
Everything works in Spanish and English, with precise regulatory terminology.
Complements your program
Peer-educational guidance that supports — never replaces — your internal processes.
Join the community
Start free for 7 days — no credit card required — and upgrade when you need cases, trainings, and live officer consultations.