ComplianceFlow: Multi-Agent AML/KYC Pipeline

ComplianceFlow automates financial compliance review using 5 specialized agents on Band. Transactions flow through Policy Agent (AML, KYC, sanctions), Risk Agent (risk scoring, anomaly detection), Legal Agent (BSA, OFAC, FATF review), and Decision Agent (final verdict with audit trail), while an Orchestra Agent monitors pipeline health. A coordinator ingests transactions from CSV, creates dedicated Band rooms via Peer Discovery and Participant Management, and collects verdicts automatically. Tested across 55+ transactions based on real financial scandals including Enron, WorldCom, Wirecard, 1MDB, and FTX, producing four distinct outcomes: AUTO-APPROVE, ENHANCED REVIEW, ESCALATE TO HUMAN, and DECLINE. Given that: AUTO-APPROVE — All agents agree the transaction is clean. No red flags, low risk, legally compliant. Proceed without human review. ENHANCED REVIEW — Something's slightly off but not critical. A human should take a closer look before approving (e.g., first-time counterparty, unusual amount for the account). ESCALATE TO HUMAN — Serious concerns found. High risk, potential legal issues, or counsel required. A compliance officer must review and make the final call. DECLINE — Multiple agents flagged critical issues. Clear regulatory violations, sanctions hits, or fraud indicators. Block the transaction.