PaaSSim™ • A Criterion Readiness Simulator • Criterion Readiness™
Financial institution employees make compliance-critical decisions every day. A single missed SAR. A fair lending pattern. A Reg E error. The consequences are existential. Nobody simulates the moment.
🏦 Live Scenario Preview -- BSA/AML
A longtime member wants to wire $47,000 to an account they cannot explain. They are visibly upset that you are asking questions. They mention they know the branch manager personally. The amount is just under your reporting threshold. What do you do?
What Gets Measured
Built from BSA/AML requirements, TILA, RESPA, Reg E, Reg Z, ECOA, HMDA, FDIC guidance, NCUA regulations, and FinCEN SAR filing standards.
BSA/AML Judgment
Suspicious activity recognition, SAR filing obligations, structuring detection, beneficial ownership verification, CDD requirements.
Reg E Compliance
Electronic fund transfer error resolution, dispute investigation timelines, provisional credit obligations, consumer notification requirements.
TILA and RESPA
Loan disclosure accuracy, GFE and LE requirements, closing cost tolerance, kickback prohibition, servicing transfer disclosure.
Fair Lending
ECOA compliance, HMDA data integrity, redlining recognition, pricing disparity awareness, adverse action notice requirements.
Data Security
Gramm-Leach-Bliley safeguards, PII handling, breach notification, third-party vendor management, member data access controls.
Reg Z Application
Truth in Lending disclosures, APR calculation accuracy, right of rescission, credit card billing dispute handling, penalty fee limits.
Member Service Ethics
Appropriate product recommendations, fee waiver discretion, complaint escalation, vulnerable member identification, elder financial abuse recognition.
Payment Processing
ACH authorization requirements, return item handling, stop payment obligations, Reg CC hold periods, remotely created check risk.
Incident Reporting
Regulatory notification timelines, exam preparation obligations, internal escalation judgment, self-identification of violations.
OFAC Screening
Sanctions list screening obligations, blocked transaction handling, 24-hour reporting requirements, false positive resolution.
Exam Readiness
Regulator interaction standards, document production obligations, examiner communication, MRA response judgment.
Operational Risk
Dual control requirements, teller cash handling, after-hours authorization, exception approval documentation, segregation of duties.
Featured Partnership
PaaSSim™ is featured by PaaS -- Payments as a Service, bringing scenario-based compliance training directly to the financial institutions already in the PaaS ecosystem.
Every credit union and community bank in the PaaS portfolio faces the same compliance training gap. Slide decks and annual certification do not prepare staff for the moment when a member is standing at the counter and the right answer is not obvious. PaaSSim changes that.
Compliance documentation generated automatically. Scored behavioral profiles for every employee. Institution-wide readiness dashboards for compliance officers and examiners.
PaaS
Payments as a Service
PaaS delivers payment infrastructure, compliance support, and technology solutions to credit unions and community banks across the country. PaaSSim™ extends that mission into workforce decision readiness.
Compliance Profiles
Your behavioral pattern across 12 categories maps to a Compliance Profile -- not a certification score, but a decision signature built from how you actually respond when the pressure is on and the policy is ambiguous.
The Protocol Anchor
"The regulation exists for a reason."
✓ BSA/AML and exam readiness strongest scores
⚠ Inflexible when member relationship context matters
The Relationship Manager
"I know this member. I know this account."
✓ Member service ethics and complaint handling
⚠ Fair lending and SAR filing blind spots
The Risk Avoider
"When in doubt, escalate."
✓ OFAC screening and incident reporting discipline
⚠ Over-escalates routine transactions, slows operations
The Operator
"I process what is in front of me."
✓ Payment processing and operational risk scores
⚠ Misses contextual red flags in routine transactions
The By the Book
"Show me the policy and I follow it exactly."
✓ Reg E, Reg Z, and TILA/RESPA discipline
⚠ Struggles with grey-area judgment calls
The Pragmatist
"Let's find what actually works here."
✓ Data security and fair lending awareness
⚠ Rationalizes exceptions that create regulatory exposure
Who Uses PaaSSim
Credit Unions
NCUA examiners expect documented compliance training that demonstrates staff can apply policy in real situations. PaaSSim generates that documentation automatically -- scored profiles, certificates, and institution-wide compliance dashboards ready for exam day.
Community Banks
FDIC and OCC examinations increasingly focus on compliance culture, not just policy documentation. PaaSSim provides behavioral evidence that staff understand the why behind the rules -- not just that they completed a required annual training.
Fintech and Payment Processors
Sponsor banks and payment processors face increasing scrutiny over the compliance readiness of their partner organizations. PaaSSim provides a standardized baseline assessment that documents workforce readiness across every entity in the payment chain.
PaaSSim™
PaaSSim is in development. Featured by PaaS -- Payments as a Service. Express interest for your institution and be among the first to deploy it.