Credit Union AML\/KYC Software | Truth Technologies<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:ital,wght@0,400;0,500;0,600;0,700;0,800;1,400;1,600&display=swap\" rel=\"stylesheet\">\n<style>\n :root {\n --navy: #03125E;\n --navy-mid: #071a7a;\n --orange: #F37315;\n --orange-lt: #fde8d4;\n --purple: #634473;\n --purple-lt: #ede6f2;\n --white: #ffffff;\n --off-white: #f8f7fc;\n --text: #1a1a2e;\n --muted: #6b6b88;\n --border: rgba(3,18,94,0.12);\n }\n *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }\n html { scroll-behavior: smooth; }\n body { font-family: 'Montserrat', sans-serif; font-size: 16px; background: var(--white); color: var(--text); overflow-x: hidden; }\n .hero { background: linear-gradient(135deg, var(--navy) 0%, #0a1f7a 50%, var(--navy) 100%); position: relative; overflow: hidden; padding: 96px 48px 80px; text-align: center; }\n .hero::before { content: ''; 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letter-spacing: 2px; color: #F37315; margin-bottom: 6px; }\n .oscar-text { font-size: 16px; color: #1a1a2e; line-height: 1.7; font-style: italic; margin: 0; }\n .oscar-text strong { color: #03125E; font-style: normal; }\n<\/style>\n<\/head>\n<body>\n\n<section class=\"hero\">\n <div class=\"hero-geo\"><\/div>\n <span class=\"hero-eyebrow\">Cooperativas de cr\u00e9dito (EE. UU.)<\/span>\n <h1>Member-First Compliance <em>for US Credit Unions<\/em><\/h1>\n <p>Federally insured credit unions serve 143 million members and hold $2.37 trillion in assets. FinCEN and NCUA hold credit unions to the same BSA\/AML standards as banks. Sentinel™ delivers the AML\/KYC compliance infrastructure your credit union needs.<\/p>\n <div class=\"hero-btns\">\n <a href=\"https:\/\/truthtechnologies.com\/es\/request-demo\/\" class=\"btn-primary\">Request a Demo<\/a>\n <a href=\"https:\/\/truthtechnologies.com\/es\/pricing\/\" class=\"btn-ghost\">See Pricing<\/a>\n <\/div>\n<\/section>\n\n<div class=\"trust-strip\">\n <div class=\"trust-item\"><svg class=\"trust-icon\" viewbox=\"0 0 24 24\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg>Up to 75% Alert Reduction<\/div>\n <div class=\"trust-item\"><svg class=\"trust-icon\" viewbox=\"0 0 24 24\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0 1 10 0v4\"\/><\/svg>Same-Day Go-Live<\/div>\n<\/div>\n\n<div style=\"background:var(--white);\">\n <div class=\"section\">\n <div class=\"intro-grid\">\n <div class=\"fu\">\n <div class=\"section-eyebrow\">The Challenge<\/div>\n <h2 class=\"section-title\">NCUA & FinCEN Are Holding Credit Unions to <em>Bank-Level Standards<\/em><\/h2>\n <p class=\"section-body\">Credit unions were once seen as lower-risk. That perception is gone. North Dade Community Development FCU was fined $300,000 by FinCEN and subsequently liquidated by NCUA after nearly $2 billion in high-risk MSB transactions flowed through the institution unchecked.<\/p>\n <p class=\"section-body\" style=\"margin-top:16px;\">Sentinel™ provides credit unions with automated member screening, SAR and CTR filing support, beneficial ownership verification for business accounts, continuous monitoring, and immutable audit logs, at a scale and price point built for credit unions, not money-center banks.<\/p>\n <div class=\"oscar-tip\">\n <div class=\"oscar-avatar\">🦉<\/div>\n <div>\n <p class=\"oscar-label\">Good Tip from Oscar<\/p>\n <p class=\"oscar-text\">\"North Dade Community Development FCU processed nearly <strong>$2 billion in high-risk MSB transactions<\/strong> before FinCEN noticed. It was then liquidated. A credit union's community mission is admirable. That mission ends if the BSA programme fails.\"<\/p>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"intro-visual fu\">\n <div class=\"stat-grid\">\n<div class=\"stat-card\"><div class=\"stat-num orange\">$2.37T<\/div><div class=\"stat-label\">Assets held by US federally insured credit unions<\/div><\/div><div class=\"stat-card\"><div class=\"stat-num purple\">75%<\/div><div class=\"stat-label\">Alert workload reduction through automated screening<\/div><\/div><div class=\"stat-card\"><div class=\"stat-num\"><1 Day<\/div><div class=\"stat-label\">Integration time via Real-Time API or batch<\/div><\/div><div class=\"stat-card\"><div class=\"stat-num orange\">30 Yrs<\/div><div class=\"stat-label\">AML\/KYC compliance expertise since 1996<\/div><\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<div class=\"reg-section\">\n <div class=\"reg-section-inner\">\n <div class=\"section-eyebrow fu\">Regulatory Landscape<\/div>\n <h2 class=\"section-title fu\">Key AML\/KYC Regulations <em>Sentinel™ Helps You Meet<\/em><\/h2>\n <div class=\"reg-cards\">\n <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>BSA \/ 12 CFR Part 748<\/h3><p>All federally insured credit unions must maintain written AML programs, file SARs and CTRs, and comply with FinCEN's CDD Rule for business member accounts.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>FinCEN \/ NCUA NPRM (April 2026)<\/h3><p>FinCEN's April 2026 NPRM proposes requiring all FICUs to maintain effective, risk-based AML\/CFT programs with mandatory risk assessments. Comments due June 9, 2026.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>USA PATRIOT Act \/ CIP<\/h3><p>Credit unions must maintain a Customer Identification Program verifying member identity at account opening.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>OFAC Sanctions Screening<\/h3><p>Credit unions must screen all members and business accounts against OFAC's SDN list. Strict liability applies.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>FinCEN SAR \/ CTR Filing<\/h3><p>Credit unions must file SARs for suspicious transactions and CTRs for cash transactions exceeding $10,000 in a single business day.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>FinCEN CDD Rule<\/h3><p>When a business entity opens an account, credit unions must identify and verify the beneficial owners controlling 25% or more of the entity.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>NCUA Examination Program<\/h3><p>NCUA examiners assess the quality of a credit union's BSA\/AML program. A weak program can result in a Matters Requiring Attention or formal enforcement action.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">Global<\/span><h3>FATF Recommendations<\/h3><p>FATF's updated recommendations require all deposit-taking institutions, including credit unions, to implement risk-based AML\/CFT programs with PEP screening, sanctions checks, and continuous monitoring.<\/p><\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<div style=\"background:var(--white);\">\n <div class=\"section\">\n <div class=\"section-eyebrow fu\">Platform Capabilities<\/div>\n <h2 class=\"section-title fu\">Everything Your AML\/KYC Compliance <em>Team Needs<\/em><\/h2>\n <div class=\"features-grid\">\n\n <div class=\"feature-card fu\"><div class=\"feature-icon\"><svg viewbox=\"0 0 24 24\"><path d=\"M21 15a2 2 0 0 1-2 2H7l-4 4V5a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2z\"\/><\/svg><\/div><h3>Lowest False Positive Rate<\/h3><p>Secondary matching criteria date of birth, citizenship, address eliminate erroneous alerts before they reach your team. Your analysts focus on real risk.<\/p><\/div>\n <div class=\"feature-card fu\"><div class=\"feature-icon\"><svg viewbox=\"0 0 24 24\"><path d=\"M1 12s4-8 11-8 11 8 11 8-4 8-11 8-11-8-11-8z\"\/><circle cx=\"12\" cy=\"12\" r=\"3\"\/><\/svg><\/div><h3>Continuous Customer Monitoring<\/h3><p>Your full customer portfolio is automatically re-screened when watchlists update. No manual batch jobs. No compliance gaps between periodic reviews.<\/p><\/div>\n <div class=\"feature-card fu\"><div class=\"feature-icon\"><svg viewbox=\"0 0 24 24\"><path d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/><polyline points=\"14 2 14 8 20 8\"\/><\/svg><\/div><h3>Un-editable Audit Logs<\/h3><p>Every decision, every alert, every override is timestamped and logged in an immutable audit trail. Fully exportable for examiner review at any time.<\/p><\/div>\n <div class=\"feature-card fu\"><div class=\"feature-icon\"><svg viewbox=\"0 0 24 24\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/div><h3>Real-Time API & Batch Processing<\/h3><p>Integrate at onboarding via Real-Time API, or run batch screening across your full portfolio. Same-day go-live less than one business day to integrate.<\/p><\/div>\n <div class=\"feature-card fu\"><div class=\"feature-icon\"><svg viewbox=\"0 0 24 24\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"2\" y1=\"12\" x2=\"22\" y2=\"12\"\/><path d=\"M12 2a15.3 15.3 0 0 1 4 10 15.3 15.3 0 0 1-4 10 15.3 15.3 0 0 1-4-10 15.3 15.3 0 0 1 4-10z\"\/><\/svg><\/div><h3>Global Watchlist Coverage<\/h3><p>OFAC SDN, UN, EU, HMT, DFAT, and 50+ additional global sanctions lists all updated daily. PEP screening and adverse media in 5 languages.<\/p><\/div>\n <div class=\"feature-card fu\"><div class=\"feature-icon\"><svg viewbox=\"0 0 24 24\"><path d=\"M17 21v-2a4 4 0 0 0-4-4H5a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M23 21v-2a4 4 0 0 0-3-3.87M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/div><h3>Tier 1 & 2 Support<\/h3><p>From user training to technical consultation. Dedicated support for large operations. Human support from compliance professionals not a help desk queue.<\/p><\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<section class=\"cta-section\">\n <h2>143 Million Members.<br><em>FinCEN Knows Where You Are.<\/em><\/h2>\n <p>The April 2026 NPRM didn't just apply to the big banks. NCUA signed it too. Sentinel™ was built for institutions that take compliance seriously without a hundred-person team. <a href=\"https:\/\/truthtechnologies.com\/es\/optimizing-bsa-compliance-how-shinhan-bank-america-can-excel-with-an-aml-compliance-program\/\" style=\"color:rgba(255,255,255,0.85);text-decoration:underline;\" target=\"_blank\" rel=\"noopener\">Read the Shinhan BSA case →<\/a><\/p>\n <div class=\"hero-btns\">\n <a href=\"https:\/\/truthtechnologies.com\/es\/request-demo\/\" class=\"btn-primary\">Request a Free Demo<\/a>\n <a href=\"tel:8666913867\" class=\"btn-ghost\">(866) 691-3867<\/a>\n <\/div>\n<\/section>\n\n<script>\nconst obs = new IntersectionObserver(entries => {\n entries.forEach(e => { if(e.isIntersecting) e.target.classList.add('visible'); });\n}, {rootMargin:'0px 0px -60px 0px'});\ndocument.querySelectorAll('.fu').forEach(el => obs.observe(el));\n<\/script>\n\n\n\n<div style=\"background:var(--navy);border-top:1px solid rgba(255,255,255,0.06);padding:24px 48px 32px;\"><div style=\"max-width:1200px;margin:0 auto;\"><p style=\"font-family:'Montserrat',sans-serif;font-size:15px;color:rgba(255,255,255,0.5);margin-bottom:10px;font-style:italic;\">The irony of a compliance company having a disclaimer is not lost on us.<\/p><p style=\"font-family:'Montserrat',sans-serif;font-size:12px;color:rgba(255,255,255,0.22);line-height:1.6;\">The information on this website is provided for general informational purposes only and does not constitute legal, regulatory, or compliance advice. Truth Technologies, Inc. makes no representations or warranties regarding the accuracy, completeness, or currency of the regulatory information presented. AML\/KYC obligations vary by jurisdiction, institution type, and individual circumstances. Organizations should consult qualified legal counsel or a licensed compliance professional before making compliance decisions. Sentinel Compliance Platform™ is a product of Truth Technologies, Inc.<\/p><\/div><\/div>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Credit Union AML\/KYC Software | Truth Technologies Credit Unions (US) Member-First Compliance for US Credit Unions Federally insured credit unions serve 143 million members and hold $2.37 trillion in assets. FinCEN and NCUA hold credit unions to the same BSA\/AML standards as banks. Sentinel™ delivers the AML\/KYC compliance infrastructure your credit union needs. Request a […]<\/p>\n","protected":false},"author":16,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"ocean_front_end_style_editor":"no","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":""},"class_list":["post-5442","page","type-page","status-publish","hentry","entry"],"yoast_head":"\n<title>Credit Union AML\/KYC Software | BSA & FinCEN Compliant | Truth Technologies<\/title>\n<meta name=\"description\" content=\"BSA\/AML compliance software built for US credit unions. Covers FinCEN\/NCUA NPRM 2026, 12 CFR Part 748, OFAC, SAR\/CTR filing, and FinCEN CDD Rule.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/truthtechnologies.com\/es\/credit-unions-us\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Unions (US)\" \/>\n<meta property=\"og:description\" content=\"BSA\/AML compliance software built for US credit unions. 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letter-spacing: 2px; color: #F37315; margin-bottom: 6px; }\n .oscar-text { font-size: 16px; color: #1a1a2e; line-height: 1.7; font-style: italic; margin: 0; }\n .oscar-text strong { color: #03125E; font-style: normal; }\n<\/style>\n<\/head>\n<body>\n\n<section class=\"hero\">\n <div class=\"hero-geo\"><\/div>\n <span class=\"hero-eyebrow\">Cooperativas de cr\u00e9dito (EE. UU.)<\/span>\n <h1>Member-First Compliance <em>for US Credit Unions<\/em><\/h1>\n <p>Federally insured credit unions serve 143 million members and hold $2.37 trillion in assets. FinCEN and NCUA hold credit unions to the same BSA\/AML standards as banks. Sentinel™ delivers the AML\/KYC compliance infrastructure your credit union needs.<\/p>\n <div class=\"hero-btns\">\n <a href=\"https:\/\/truthtechnologies.com\/es\/request-demo\/\" class=\"btn-primary\">Request a Demo<\/a>\n <a href=\"https:\/\/truthtechnologies.com\/es\/pricing\/\" class=\"btn-ghost\">See Pricing<\/a>\n <\/div>\n<\/section>\n\n<div class=\"trust-strip\">\n <div class=\"trust-item\"><svg class=\"trust-icon\" viewbox=\"0 0 24 24\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg>Up to 75% Alert Reduction<\/div>\n <div class=\"trust-item\"><svg class=\"trust-icon\" viewbox=\"0 0 24 24\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0 1 10 0v4\"\/><\/svg>Same-Day Go-Live<\/div>\n<\/div>\n\n<div style=\"background:var(--white);\">\n <div class=\"section\">\n <div class=\"intro-grid\">\n <div class=\"fu\">\n <div class=\"section-eyebrow\">The Challenge<\/div>\n <h2 class=\"section-title\">NCUA & FinCEN Are Holding Credit Unions to <em>Bank-Level Standards<\/em><\/h2>\n <p class=\"section-body\">Credit unions were once seen as lower-risk. That perception is gone. North Dade Community Development FCU was fined $300,000 by FinCEN and subsequently liquidated by NCUA after nearly $2 billion in high-risk MSB transactions flowed through the institution unchecked.<\/p>\n <p class=\"section-body\" style=\"margin-top:16px;\">Sentinel™ provides credit unions with automated member screening, SAR and CTR filing support, beneficial ownership verification for business accounts, continuous monitoring, and immutable audit logs, at a scale and price point built for credit unions, not money-center banks.<\/p>\n <div class=\"oscar-tip\">\n <div class=\"oscar-avatar\">🦉<\/div>\n <div>\n <p class=\"oscar-label\">Good Tip from Oscar<\/p>\n <p class=\"oscar-text\">\"North Dade Community Development FCU processed nearly <strong>$2 billion in high-risk MSB transactions<\/strong> before FinCEN noticed. It was then liquidated. A credit union's community mission is admirable. That mission ends if the BSA programme fails.\"<\/p>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"intro-visual fu\">\n <div class=\"stat-grid\">\n<div class=\"stat-card\"><div class=\"stat-num orange\">$2.37T<\/div><div class=\"stat-label\">Assets held by US federally insured credit unions<\/div><\/div><div class=\"stat-card\"><div class=\"stat-num purple\">75%<\/div><div class=\"stat-label\">Alert workload reduction through automated screening<\/div><\/div><div class=\"stat-card\"><div class=\"stat-num\"><1 Day<\/div><div class=\"stat-label\">Integration time via Real-Time API or batch<\/div><\/div><div class=\"stat-card\"><div class=\"stat-num orange\">30 Yrs<\/div><div class=\"stat-label\">AML\/KYC compliance expertise since 1996<\/div><\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<div class=\"reg-section\">\n <div class=\"reg-section-inner\">\n <div class=\"section-eyebrow fu\">Regulatory Landscape<\/div>\n <h2 class=\"section-title fu\">Key AML\/KYC Regulations <em>Sentinel™ Helps You Meet<\/em><\/h2>\n <div class=\"reg-cards\">\n <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>BSA \/ 12 CFR Part 748<\/h3><p>All federally insured credit unions must maintain written AML programs, file SARs and CTRs, and comply with FinCEN's CDD Rule for business member accounts.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>FinCEN \/ NCUA NPRM (April 2026)<\/h3><p>FinCEN's April 2026 NPRM proposes requiring all FICUs to maintain effective, risk-based AML\/CFT programs with mandatory risk assessments. Comments due June 9, 2026.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>USA PATRIOT Act \/ CIP<\/h3><p>Credit unions must maintain a Customer Identification Program verifying member identity at account opening.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>OFAC Sanctions Screening<\/h3><p>Credit unions must screen all members and business accounts against OFAC's SDN list. Strict liability applies.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>FinCEN SAR \/ CTR Filing<\/h3><p>Credit unions must file SARs for suspicious transactions and CTRs for cash transactions exceeding $10,000 in a single business day.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>FinCEN CDD Rule<\/h3><p>When a business entity opens an account, credit unions must identify and verify the beneficial owners controlling 25% or more of the entity.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">USA<\/span><h3>NCUA Examination Program<\/h3><p>NCUA examiners assess the quality of a credit union's BSA\/AML program. A weak program can result in a Matters Requiring Attention or formal enforcement action.<\/p><\/div> <div class=\"reg-card fu\"><span class=\"reg-badge\">Global<\/span><h3>FATF Recommendations<\/h3><p>FATF's updated recommendations require all deposit-taking institutions, including credit unions, to implement risk-based AML\/CFT programs with PEP screening, sanctions checks, and continuous monitoring.<\/p><\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<div style=\"background:var(--white);\">\n <div class=\"section\">\n <div class=\"section-eyebrow fu\">Platform Capabilities<\/div>\n <h2 class=\"section-title fu\">Everything Your AML\/KYC Compliance <em>Team Needs<\/em><\/h2>\n <div class=\"features-grid\">\n\n <div class=\"feature-card fu\"><div class=\"feature-icon\"><svg viewbox=\"0 0 24 24\"><path d=\"M21 15a2 2 0 0 1-2 2H7l-4 4V5a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2z\"\/><\/svg><\/div><h3>Lowest False Positive Rate<\/h3><p>Secondary matching criteria date of birth, citizenship, address eliminate erroneous alerts before they reach your team. Your analysts focus on real risk.<\/p><\/div>\n <div class=\"feature-card fu\"><div class=\"feature-icon\"><svg viewbox=\"0 0 24 24\"><path d=\"M1 12s4-8 11-8 11 8 11 8-4 8-11 8-11-8-11-8z\"\/><circle cx=\"12\" cy=\"12\" r=\"3\"\/><\/svg><\/div><h3>Continuous Customer Monitoring<\/h3><p>Your full customer portfolio is automatically re-screened when watchlists update. No manual batch jobs. No compliance gaps between periodic reviews.<\/p><\/div>\n <div class=\"feature-card fu\"><div class=\"feature-icon\"><svg viewbox=\"0 0 24 24\"><path d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/><polyline points=\"14 2 14 8 20 8\"\/><\/svg><\/div><h3>Un-editable Audit Logs<\/h3><p>Every decision, every alert, every override is timestamped and logged in an immutable audit trail. Fully exportable for examiner review at any time.<\/p><\/div>\n <div class=\"feature-card fu\"><div class=\"feature-icon\"><svg viewbox=\"0 0 24 24\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/div><h3>Real-Time API & Batch Processing<\/h3><p>Integrate at onboarding via Real-Time API, or run batch screening across your full portfolio. Same-day go-live less than one business day to integrate.<\/p><\/div>\n <div class=\"feature-card fu\"><div class=\"feature-icon\"><svg viewbox=\"0 0 24 24\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"2\" y1=\"12\" x2=\"22\" y2=\"12\"\/><path d=\"M12 2a15.3 15.3 0 0 1 4 10 15.3 15.3 0 0 1-4 10 15.3 15.3 0 0 1-4-10 15.3 15.3 0 0 1 4-10z\"\/><\/svg><\/div><h3>Global Watchlist Coverage<\/h3><p>OFAC SDN, UN, EU, HMT, DFAT, and 50+ additional global sanctions lists all updated daily. PEP screening and adverse media in 5 languages.<\/p><\/div>\n <div class=\"feature-card fu\"><div class=\"feature-icon\"><svg viewbox=\"0 0 24 24\"><path d=\"M17 21v-2a4 4 0 0 0-4-4H5a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M23 21v-2a4 4 0 0 0-3-3.87M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/div><h3>Tier 1 & 2 Support<\/h3><p>From user training to technical consultation. Dedicated support for large operations. Human support from compliance professionals not a help desk queue.<\/p><\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<section class=\"cta-section\">\n <h2>143 Million Members.<br><em>FinCEN Knows Where You Are.<\/em><\/h2>\n <p>The April 2026 NPRM didn't just apply to the big banks. NCUA signed it too. Sentinel™ was built for institutions that take compliance seriously without a hundred-person team. <a href=\"https:\/\/truthtechnologies.com\/es\/optimizing-bsa-compliance-how-shinhan-bank-america-can-excel-with-an-aml-compliance-program\/\" style=\"color:rgba(255,255,255,0.85);text-decoration:underline;\" target=\"_blank\" rel=\"noopener\">Read the Shinhan BSA case →<\/a><\/p>\n <div class=\"hero-btns\">\n <a href=\"https:\/\/truthtechnologies.com\/es\/request-demo\/\" class=\"btn-primary\">Request a Free Demo<\/a>\n <a href=\"tel:8666913867\" class=\"btn-ghost\">(866) 691-3867<\/a>\n <\/div>\n<\/section>\n\n<script>\nconst obs = new IntersectionObserver(entries => {\n entries.forEach(e => { if(e.isIntersecting) e.target.classList.add('visible'); });\n}, {rootMargin:'0px 0px -60px 0px'});\ndocument.querySelectorAll('.fu').forEach(el => obs.observe(el));\n<\/script>\n\n\n\n<div style=\"background:var(--navy);border-top:1px solid rgba(255,255,255,0.06);padding:24px 48px 32px;\"><div style=\"max-width:1200px;margin:0 auto;\"><p style=\"font-family:'Montserrat',sans-serif;font-size:15px;color:rgba(255,255,255,0.5);margin-bottom:10px;font-style:italic;\">The irony of a compliance company having a disclaimer is not lost on us.<\/p><p style=\"font-family:'Montserrat',sans-serif;font-size:12px;color:rgba(255,255,255,0.22);line-height:1.6;\">The information on this website is provided for general informational purposes only and does not constitute legal, regulatory, or compliance advice. Truth Technologies, Inc. makes no representations or warranties regarding the accuracy, completeness, or currency of the regulatory information presented. AML\/KYC obligations vary by jurisdiction, institution type, and individual circumstances. Organizations should consult qualified legal counsel or a licensed compliance professional before making compliance decisions. Sentinel Compliance Platform™ is a product of Truth Technologies, Inc.<\/p><\/div><\/div>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Credit Union AML\/KYC Software | Truth Technologies Credit Unions (US) Member-First Compliance for US Credit Unions Federally insured credit unions serve 143 million members and hold $2.37 trillion in assets. FinCEN and NCUA hold credit unions to the same BSA\/AML standards as banks. Sentinel™ delivers the AML\/KYC compliance infrastructure your credit union needs. Request a […]<\/p>\n","protected":false},"author":16,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"ocean_front_end_style_editor":"no","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":""},"class_list":["post-5442","page","type-page","status-publish","hentry","entry"],"yoast_head":"\n<title>Credit Union AML\/KYC Software | BSA & FinCEN Compliant | Truth Technologies<\/title>\n<meta name=\"description\" content=\"BSA\/AML compliance software built for US credit unions. 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