SarasW by ContexQ
v6 · banking edition

Decision intelligence,
built for banking.

163M+ entities
12 languages · live
graph-native · explainable
One operating picture across the bank. Six domains. One resolved fabric.
section · 00 · overview
Common operating picture · 6 domains
Continuous · graph AI · entity resolution
by ContexQ
SarasW
decision fabric
Data Management
— foundation
Customer Intelligence
— growth
Enhanced KYC
— onboarding · perpetual
Sustainable Finance
— ESG · climate · transition
Fraud
— application · transaction
Financial Crime
— AML · sanctions · adverse media
01
Lines of business
Across the institution
retail · commercial · markets
/ 01
Retail
Consumer banking
Households, deposits, mortgages, unsecured lending, cards.
/ 02
SME
Small business
Sole proprietors to mid-market. UBO and group complexity.
/ 03
Commercial
Mid-corporate
Working capital, secured lending, supplier networks.
/ 04
Corporate
Large enterprise
Multi-jurisdiction groups, syndicated facilities, treasury.
/ 05
Private & Wealth
HNW · UHNW
Source of wealth, family offices, trust and PEP exposure.
/ 06
Investment
Capital markets
Counterparty networks, market abuse, conflict of interest.
/ 07
Trade Finance
Cross-border
LCs, BLs, vessel and dual-use goods screening, sanctions.
/ 08
Treasury
Liquidity · funding
Counterparty risk, intra-day exposure, nostro relationships.
/ 09
Cards & Pay
Issuing · acquiring
Merchant networks, BIN intelligence, real-time fraud.
02
Data fabric
Internal × external
plugs into what you have · brings what you can't reach
Internal systems
/ Bank-of-record
01
Core BankingAccounts · ledger · postings
02
CRMCustomer master · interactions
03
LOS / LMSLoan origination · servicing
04
Cards & PaymentsAuthorisations · settlement
05
General LedgerPostings · cost centres
06
Trade & TreasuryLCs · positions · counterparties
07
KYC filesOnboarding docs · UBO trees
08
Case managementAlerts · investigations · SARs
External intelligence
/ Curated · governed
01
Sanctions & watchlistsGlobal · regional · sectoral
02
Corporate registriesOwnership · officers · UBO
03
Capital markets dataFilings · ratings · M&A
04
Director & officer networksCross-board affiliations
05
Offshore disclosuresBeneficial ownership trails
06
ESG & adverse mediaIncidents · controversies
07
News & event intelligenceMulti-language · real-time
08
Trade & geospatialVessels · cargo · location
One resolved entity. Every source agrees. 163M+ entities · 12 languages · phonetic + fuzzy + LLM-augmented
03
In practice
One bank · two stories
the same graph surfaces hidden risk and household opportunity
Bank's view today
/ before · siloed
CRM Acme Trading Core banking ACME TRADING PTE LTD Cards Acme T. KYC files Acme Trading Pte. Ltd. News feed Acme Trading Group Director registry J. Tan (Director) Trade docs Acme Trd Holdings — hidden exposure somewhere — 7 records · 7 systems · zero connections
resolve
SarasW view
/ after · resolved · networked
CRM Core Cards KYC News Trade Registry Acme Trading Pte Ltd Singapore · 1 entity · 7 sources BVI subsidiary Phoenix Logistics Sanctioned port 2-hop · risk
What looked like 7 different counterparty records across CRM, core banking, cards, KYC, news, trade docs and the director registry — turned out to be one corporate entity: Acme Trading Pte Ltd, with a hidden 2-hop sanctions exposure via Phoenix Logistics shipping into a sanctioned port.
7 → 1
Records resolved
single counterparty · all systems
0 → 11
Network connections
UBO · group · counterparties
1
Hidden sanctions exposure surfaced
via 2-hop counterparty path
Hours → seconds
Time to a defensible answer
audit trail attached
Bank's view today
/ before · 6 separate customers
Retail current a/c Rajesh Mehta balance $42k Mortgage R. Mehta & spouse $680k outstanding Credit card Priya Mehta platinum · $3k/mo Brokerage P. Mehta portfolio $230k SME loan Priya M. (sole prop.) $185k facility Junior savings Anika Mehta (minor) balance $4k — same household · 6 customer records · 4 segments — aggregate AUM invisible · wealth segment misclassified "is this a private banking household?" not asked
resolve
SarasW view
/ after · one household · private banking eligible
Current a/c Mortgage Credit card Brokerage SME loan Jr savings Mehta household 3 family members · 6 products · 4 segments aggregate $959k AUM · private banking threshold cross-sell · private banking + wealth advisory
What looked like 6 separate banking customers across retail, mortgage, cards, brokerage, SME and a kid’s savings account — turned out to be one household with $959k aggregate AUM, sitting just above the private banking threshold — with a clean cross-sell path into wealth advisory before a competitor finds them.
6 → 1
Customers resolved to one household
3 family members · same address
$959k
Aggregate AUM surfaced
private banking threshold cleared
4
Segments unified into one view
retail · mortgage · SME · wealth
Days → seconds
Household resolution time
incremental · explainable
Same data. New geometry. illustrative · the same graph surfaces both risk and opportunity
04
Regulatory coverage
Global · regional · sectoral
speaks every regulator's language
i.
Capital & risk
Prudential
Basel III / IVBIS
IFRS 9IASB
CECLFASB · US
BCBS 239BIS
SR 11-7FRB · US
ii.
AML & sanctions
Financial crime
FATF 40Global
AMLD 5 / 6EU
BSAFinCEN · US
OFAC · UN · EU · HMTSanctions
Wolfsberg principlesIndustry
iii.
Regional supervisors
Country-specific
MAS Notice 626Singapore
RBI MD-KYCIndia
HKMA SPMHong Kong
ECB · EBAEU
OCC · FCAUS · UK
iv.
Operational & privacy
Resilience · data
DORAEU
GDPREU
CRS / FATCAOECD · US
DPDPIndia
PDPASingapore
v.
Sustainable finance
Climate · ESG
TCFDFSB
ISSB · IFRS S2Global
SFDREU
EU TaxonomyEU
CSRDEU
Audit trail by default. Every signal traced to its source. continuously updated · jurisdiction-aware
05
Deployment & trust
How it ships · how it's audited
your CISO & regulator approve before login
/ Deployment
On-Prem
Air-gapped option for restricted environments.
/ Deployment
Private VPC
Single-tenant inside your cloud account.
/ Deployment
Hybrid
Sensitive on-prem · burst to cloud.
/ Data
Zero data egress
Customer data never leaves your perimeter.
/ Data
BYO encryption
KMS-backed keys you control.
/ AI governance
Explainable AI
Every match, every score, every signal — defensible.
/ AI governance
Model registry
Versioned · approved · monitored for drift.
/ Audit
Lineage & trail
Field-level lineage. Immutable evidence log.
/ Identity
IAM · SSO · RBAC
SAML · OIDC · attribute-based access.
/ Assurance
SOC 2 · ISO 27001
Independently attested. Continuous monitoring.
Your data. Your perimeter. Our intelligence.
GCP · AWS · Azure · OCI
NVIDIA Inception partner