The Business Challenge
Expanding regulatory mandates across North America and Europe caused compliance review backlogs, delaying commercial international cross-border payments by up to 72 hours.
Project Objectives
- Build automated compliance screening pipeline capable of evaluating payments in <2 seconds
- Design double-entry accounting ledger with cryptographic transaction verification
- Meet stringent SOC2 Type II, PCI-DSS, and GDPR banking audit standards
- Provide corporate treasury clients with real-time liquidity reporting
Solution Architecture
Immutable double-entry relational ledger on PostgreSQL with row-level encryption. Real-time sanctions checking pipeline evaluating PEP and OFAC lists using in-memory caches, wrapped in containerized REST API endpoints with mutual TLS authentication.
Implementation Process
- Modeled strict financial domain schemas and double-entry reconciliation invariants
- Built automated mock banking prober executing 50,000 synthetic test transfers
- Passed independent third-party cybersecurity penetration audit with zero critical vulnerabilities
- Deployed dual-region active-active cloud infrastructure with automated database replication
“VS Tech Lab’s engineering discipline in financial data integrity is exceptional. The engine passed every banking audit on the first pass and unlocked our European expansion.”