Banking 360

Banking 360

Transparent Monitoring of Customer Accounts and Related Employee Activities

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Fraud Management Ecosystem Built for Small & Mid-sized Banks
and Local Credit Unions

Fraudulent Accounts

  • Monitor every account, transaction and customer interaction on a single platform.
  • Detect oversight in dormant and inactive accounts before misuse occurs.
  • Simultaneously monitor multiple rogue activities across active, dormant, savings, credit, and loan portfolios.

Employee Behavioral Misconduct

  • Analyze employee behavior and account management activities to uncover patterns of misconduct or emerging risk. 
  • Assign unique risk ratings to prioritize suspicious activities by transaction, account, or employee for a given period. 
  • Identify conflicts of interest through a unified behavioral analysis of customer account activity and employee activity. 

AML/KYC Oversight

  • Align algorithm risk weightage to organizational policies and procedures, focusing on risk that matters the most. 
  • Strengthen AML/KYC oversight with advanced machine learning algorithms and predictive analytics.  
  • Reduce investigation time and false positives by leveraging historical investigative reports.  
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Designed for Banking Professionals Responsible for Risk Oversight, Governance and Regulatory Compliance

Compliance Teams
Seeking continuous monitoring and regulatory confidence.

Internal Audit Teams
Requiring complete visibility and audit-ready documentation.

Fraud and Financial Crime Units
Focused on early detection and prevention.

Risk and Governance Leaders
Looking to strengthen accountability and transparency.
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Why Banks Choose konaAI

Oversight in employee behavior,  high-risk accounts, and routine account management often create hidden patterns of risk that traditional monitoring systems fail to identify. konaAI’s research-driven, analytics-powered risk management platform is designed to monitor customers’ account activity and employees’ transactional behavior, replacing hindsight-driven reviews with proactive, continuous risk oversight.

One Platform. Unlimited Possibilities.

Flexible Data Integration:
Works with any ERP or legacy system.

Easy to Use:
Train your team in under an hour.

Robust Assessment Library:
25+ years of proven anti-fraud analytics expertise.

Transparent fee structure:
Multi-user access, unlimited reporting, and data sources.

Enterprise Ready:
Supports compliance, audit and fraud controls on one system.

Proven Leadership:
Built by former Big 4 and Fortune 500 global audit and compliance experts.

Integrated Case Management:
Streamline reviews with fully auditable workflows that simplify documentation and reporting.

Conflict of Interest Pattern and Link Analysis

konaAI’s AI Agents leverage Retrieval-Augmented Generation (RAG) and Context-Augmented Generation (CAG) to provide evidence-backed defensible insights.
Ask our agents to provide an integrated analysis of sanctions, industry best practices, company policies, procedures, transactions, and use cases. Identify hidden relationships and conflicting behavioral patterns by connecting the dots across employee actions, customer activity, vendor relationships, and account transactions.
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Frequently Asked Questions

What is Banking 360 by konaAI?
konaAI’s Banking 360 goes beyond traditional transaction monitoring. It evaluates 100+ CRA, fair lending, investment, and service rules and benchmarks against peer institutions. It produces a composite CRA risk and opportunity score, simulates rating outcomes, and identifies revenue-aligned growth opportunities so you can benefit from a unified intelligence engine.
Why do banks need AI-powered risk monitoring?
Oversight in employee behavior, high-risk accounts, and routine account management often create hidden patterns of risk. AI-powered analysis enables continuous monitoring of customers’ account activity and employees’ transactional behavior, reducing the organization’s investigative time and strengthening accountability.
How does Banking 360 help detect fraud in banks?
konaAI’s Banking 360 monitors every account, transaction, customer interaction, and employee behavior to uncover patterns of emerging risk. By assigning unique risk ratings to suspicious activities, konaAI’s Banking 360 ensure organizations stay focused on risk that matters the most.
How does Banking 360 provide 360-degree risk visibility?
konaAI’s Banking 360 simultaneously monitors rogue activities and oversight across active, dormant, savings, credit, and loan portfolios. It further leverages historical investigative reports and behavioral analysis to identify suspicious trends and conflicts of interest across transactions, accounts, and employees thereby offering a 360 view of risk.
How does Banking 360 improve AML and KYC compliance
By utilizing advanced machine learning algorithms and aligning algorithm risk weightage to organizational policies and procedures, konaAI’s Banking 360 ensures AML and KYC compliance.
Can Banking 360 integrate with core banking systems?
konaAI’s Banking 360 works with any ERP or legacy system, ingesting data from diverse source systems. With fully auditable workflows, unlimited reporting, and multi-user access, it supports compliance, audit, and fraud controls through a single unified platform.
What size banks is Banking 360 built for?
Banks crossing the threshold of $1 billion face increased regulatory scrutiny. A Banking 360 platform helps improve examiner confidence, reduces manual compliance hours and downgrade probability, and optimizes capital allocation so you can manage your organization with foresight and precision.

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