AML Platform

Anti-Money Laundering - Advanced Transaction Monitoring and Compliance Solution

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Platform Overview

Our AML (Anti-Money Laundering) platform provides comprehensive transaction monitoring, suspicious activity detection, and case management solutions designed to meet regulatory compliance requirements while minimizing false positives and operational overhead.

Transaction Monitoring

Real-time analysis of financial transactions using advanced AI algorithms to detect suspicious patterns and behaviors.

Case Management

Comprehensive workflow management for investigating, documenting, and reporting suspicious activities to regulatory authorities.

Regulatory Reporting

Automated generation of SAR, CTR, and other regulatory reports with full audit trails and compliance documentation.

Key Features

Real-Time Transaction Monitoring
  • Continuous monitoring of all financial transactions
  • Machine learning-based pattern recognition
  • Configurable risk scoring and threshold management
  • Multi-currency and cross-border transaction analysis
  • High-frequency trading and bulk transaction handling
Suspicious Activity Detection
  • Behavioral analytics and anomaly detection
  • Structuring and smurfing pattern identification
  • Layering and integration scheme detection
  • Trade-based money laundering indicators
  • Cryptocurrency transaction monitoring
Investigation & Case Management
  • Automated case creation and prioritization
  • Investigation workflow management
  • Evidence collection and documentation
  • Collaborative investigation tools
  • Decision tracking and approval workflows
Regulatory Compliance
  • SAR (Suspicious Activity Report) generation
  • CTR (Currency Transaction Report) filing
  • OFAC and sanctions screening integration
  • Regulatory deadline management
  • Compliance metrics and KPI tracking

Documentation Resources

Feature Overview

Comprehensive overview of all AML platform features, capabilities, and business benefits for stakeholders and decision makers.

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Functional Specification

Technical specifications, business logic, and implementation details for business analysts and development teams.

View Specifications

API Integration

Complete API documentation for integrating AML functionality into your applications and systems.

API Documentation

User Training

Specialized training materials for AML analysts, compliance officers, and system administrators.

Training Materials

Live Demo Environment

Environment URL Purpose Access
AML Dashboard http://localhost:3002 AML analyst interface for monitoring and investigations Login required
Case Management http://localhost:3002/cases Investigation workflow and case tracking interface AML Officer access
Reporting Portal http://localhost:3002/reports Regulatory reporting and compliance dashboards Manager access

Demo Credentials

AML Analyst

Username: [email protected]

Password: Demo123!

Access to monitoring dashboards and case investigation tools

Compliance Manager

Username: [email protected]

Password: Manager123!

Full access to reporting and system configuration

Transaction Monitoring Workflow

Step 1: Data Ingestion

Transaction data is ingested in real-time from core banking systems, payment processors, and external sources. Data is normalized and enriched with customer information and historical context.

Step 2: Risk Scoring

Each transaction is analyzed using machine learning algorithms to calculate risk scores based on amount, frequency, geography, counterparties, and behavioral patterns.

Step 3: Alert Generation

Transactions exceeding risk thresholds generate alerts that are prioritized based on severity, customer risk level, and regulatory requirements.

Step 4: Investigation

AML analysts review alerts, gather additional information, and conduct investigations to determine if activity is suspicious or legitimate.

Step 5: Decision & Reporting

Investigations conclude with decisions to file SARs, close as false positives, or escalate for enhanced due diligence. All decisions are documented with full audit trails.

Step 6: Regulatory Filing

Confirmed suspicious activities are reported to regulatory authorities through automated SAR filing with proper documentation and supporting evidence.

Monitoring Scenarios

Cash Structuring

Detection of multiple cash transactions just below reporting thresholds to avoid CTR filing requirements.

Threshold: $10,000 USD Pattern: Multiple deposits/withdrawals $9,000-$9,900 Timeframe: 30-day rolling window Risk Factors: Same customer, similar amounts, frequent timing

Rapid Movement

Identification of funds that move quickly through multiple accounts to obscure their origin or destination.

Pattern: Funds in → Immediate transfer out Threshold: Same-day transfers > $5,000 Analysis: Account relationship mapping Risk Factors: Shell companies, inactive accounts

High-Risk Geography

Monitoring of transactions involving countries or regions with higher money laundering or terrorist financing risks.

Sources: FATF high-risk countries Monitoring: Wire transfers, trade finance Thresholds: Any amount to/from high-risk Enhanced: Additional due diligence required

Unusual Account Activity

Detection of account activity that deviates significantly from established customer behavioral patterns.

Baseline: 6-month average activity Deviation: 300% increase in volume/frequency Analysis: Transaction types, amounts, counterparties Factors: Account dormancy, customer profile changes

Integration Capabilities

Core Banking Systems

Direct integration with major core banking platforms for real-time transaction monitoring.

  • Jack Henry Symitar
  • FIS Profile/Horizon
  • Temenos T24/Transact
  • Custom REST API integration

Payment Networks

Integration with payment processors and networks for comprehensive transaction coverage.

  • SWIFT network monitoring
  • ACH transaction analysis
  • Wire transfer tracking
  • Card payment monitoring

External Data Sources

Enhanced monitoring through integration with external risk and sanctions data providers.

  • OFAC sanctions screening
  • World-Check database
  • Country risk ratings
  • Negative news monitoring

Regulatory Systems

Direct filing capabilities with regulatory authorities and examination support systems.

  • BSA E-Filing System
  • FinCEN SAR filing
  • CTR electronic submission
  • Examination data requests

Compliance Standards

Our AML platform is designed to meet the highest compliance standards and regulatory requirements:

Regulation Jurisdiction Compliance Status Key Requirements
Bank Secrecy Act (BSA) United States Compliant CTR/SAR filing, record keeping
USA PATRIOT Act United States Compliant Enhanced due diligence, beneficial ownership
4th Anti-Money Laundering Directive European Union Compliant Risk assessment, customer due diligence
FATF 40 Recommendations Global Compliant Comprehensive AML/CFT framework
Proceeds of Crime Act Canada Compliant Suspicious transaction reporting

Audit & Examination Support

  • Comprehensive documentation and audit trails
  • Regulatory examination data room preparation
  • Historical transaction reconstruction capabilities
  • Model validation and back-testing tools
  • Policy and procedure documentation

Support & Resources

Implementation Support

Dedicated team to help with AML program setup and configuration

Email: [email protected]

Phone: +1-800-BIZFIRST ext. 2

Regulatory Consulting

Expert AML compliance consulting and regulatory guidance

Email: [email protected]

Availability: Mon-Fri 9AM-6PM EST

Technical Support

24/7 technical support for system issues and integration assistance

Email: [email protected]

Phone: +1-800-BIZFIRST

Training & Certification

Comprehensive training programs for AML professionals

View Training