FinTech Operations
Streamline Financial Operations with Intelligent Automation
Transform your financial technology operations with automated compliance, intelligent document processing, and real-time transaction monitoring. Kaman helps FinTech organizations move faster while maintaining the rigorous controls that regulators and customers demand.
FinTech Challenges
Financial technology companies face unique pressures:
The Kaman FinTech Solution
Automated Compliance
Stay compliant without slowing down:
Compliance Automation:
| Area | Automation |
|---|---|
| KYC/AML | Automated screening, ongoing monitoring, SAR preparation |
| Data Privacy | Data classification, retention management, access controls |
| Reporting | Automated report generation, data aggregation, submission |
| Audit | Continuous documentation, evidence collection, trail maintenance |
Intelligent Document Processing
Process financial documents at scale:
Document Types Handled:
- Account applications
- Identity documents
- Financial statements
- Contracts and agreements
- Correspondence
- Regulatory filings
Processing Capabilities:
- Automatic classification
- Data extraction with validation
- Cross-reference checking
- Exception flagging
- Compliant archival
Real-Time Transaction Monitoring
Protect customers and your business:
Monitoring Capabilities:
- Velocity checks
- Pattern analysis
- Anomaly detection
- Network analysis
- Behavioral profiling
Customer Onboarding Automation
Onboard customers quickly and compliantly:
Onboarding Features:
- Digital identity verification
- Document capture and validation
- Automated KYC checks
- Risk-based decisioning
- Straight-through processing
Risk Management
Integrated Risk View
See all risks in one place:
Automated Risk Response
Respond to risks automatically:
| Risk Type | Automated Response |
|---|---|
| Suspicious Transaction | Hold, investigate, report if warranted |
| Identity Concern | Additional verification, account restriction |
| Compliance Breach | Document, escalate, remediate |
| Operational Issue | Alert, failover, incident logging |
Risk Reporting
Comprehensive risk visibility:
- Real-time risk dashboards
- Regulatory risk reports
- Trend analysis
- Scenario modeling
- Board-ready summaries
Operational Efficiency
Process Automation
Automate routine financial operations:
| Process | Automation Level |
|---|---|
| Reconciliation | 80-95% automated |
| Exception Handling | Intelligent routing |
| Reporting | Fully automated |
| Customer Service | AI-assisted |
Workflow Orchestration
Coordinate complex financial processes:
Integration Hub
Connect your financial systems:
- Core banking systems
- Payment processors
- Identity verification services
- Regulatory reporting systems
- Customer service platforms
Data Management for Finance
Regulatory Data Management
Meet data requirements:
Data Capabilities:
- Complete data lineage
- Immutable audit trail
- Configurable retention
- Data subject access request support
- Regulatory report generation
Customer Data Protection
Protect sensitive financial data:
- Encryption at rest and in transit
- Tokenization of sensitive fields
- Access controls and audit logging
- Data masking for non-production
- Right to erasure support
Benefits
Compliance Benefits
| Benefit | Impact |
|---|---|
| Audit Readiness | Always prepared with complete documentation |
| Regulatory Response | Hours instead of weeks for data requests |
| SAR Efficiency | 50% faster suspicious activity reporting |
| Error Reduction | 90%+ reduction in compliance errors |
Operational Benefits
| Benefit | Impact |
|---|---|
| Processing Speed | 60-80% faster document processing |
| Cost Reduction | 30-50% lower operational costs |
| Scalability | Handle 10x volume with same team |
| Accuracy | Near-zero error rates |
Risk Benefits
| Benefit | Impact |
|---|---|
| Fraud Detection | Real-time detection vs. batch |
| False Positives | 40-60% reduction |
| Response Time | Minutes instead of hours |
| Coverage | 100% transaction monitoring |
Use Case Examples
Example 1: Digital Bank Onboarding
Challenge: Manual onboarding taking 3-5 days, high drop-off rate.
Solution:
- Automated document capture and validation
- Real-time identity verification
- Instant KYC screening
- Risk-based straight-through processing
Result:
- 80% onboarded in under 10 minutes
- 50% reduction in drop-off
- 100% compliance maintained
Example 2: Payment Processor Compliance
Challenge: Mounting compliance burden with growth.
Solution:
- Automated transaction monitoring
- Intelligent SAR preparation
- Continuous audit documentation
- Regulatory report automation
Result:
- 3x transaction volume with same compliance team
- 60% faster SAR filing
- Zero regulatory findings
Example 3: Lending Platform Operations
Challenge: Manual loan processing limiting growth.
Solution:
- Automated application processing
- AI credit analysis support
- Intelligent document handling
- Automated decisioning for qualified applications
Result:
- 70% applications processed automatically
- Decision time from days to minutes
- Maintained credit quality
Implementation Approach
Phase 1: Foundation
-
Compliance Framework
- Define compliance rules
- Configure monitoring
- Set up documentation
-
Data Integration
- Connect core systems
- Establish data flows
- Implement security controls
Phase 2: Automation
-
Process Automation
- Implement workflows
- Configure exception handling
- Enable straight-through processing
-
Intelligence
- Deploy monitoring
- Enable pattern detection
- Activate risk scoring
Phase 3: Optimization
- Continuous Improvement
- Refine models
- Optimize workflows
- Expand coverage
FinTech Operations - Compliance, speed, and scale