Fintech: KYC / AML & Sanctions Screening
KYC, AML, and sanctions screening: compliance that scales with you.
Onboarding, ongoing monitoring, sanctions screening, and adverse media checks with a defensible evidence trail behind every decision: designed to meet BSA, PSD2, and regional obligations.
The short answer
What's the difference between KYC, AML, and sanctions screening?
KYC (Know Your Customer) is identity verification and risk assessment at onboarding (proving the customer is who they claim and understanding their risk profile. AML (Anti Money Laundering) is the ongoing monitoring of behavior) transaction patterns, source of funds checks, and periodic reviews. Sanctions screening is the point in time check that a party is not on OFAC, EU, UN, or client specified sanctions lists, run at onboarding and on every relevant event. Together they're the compliance backbone every regulated fintech is measured on.
What we build
KYC / AML & Sanctions Screening, engineered on your infrastructure.
KYC / KYB onboarding
Identity verification, document capture, and risk scoring at onboarding for individuals (KYC) and businesses (KYB), with UBO discovery.
Sanctions & watchlist screening
Real time screening against OFAC, EU, UN, HMT, and client specified lists: with fuzzy matching and false positive reduction tuned to your book.
AML transaction monitoring
Behavioral rules and models detect structuring, layering, and unusual patterns; alerts route into an investigator workflow with evidence attached.
Adverse media & PEP checks
Continuous adverse media and politically exposed person screening with narrative summaries and provenance for every flag.
Periodic review automation
Trigger based periodic reviews that pull refreshed KYC data automatically and only escalate real changes to human review.
Defensible evidence trail
Every decision (approve, decline, escalate) carries the exact rule, the input data, and the reviewer sign off. The evidence pack an auditor accepts.
FAQ
KYC / AML & Sanctions Screening: frequently asked questions.
How do you handle false positives in sanctions screening?
Sanctions screening false positives come mostly from fuzzy name matches against common names. We tune the matcher (thresholds, transliteration handling, DOB/geography secondary matching) on your actual book, route residual matches into an investigator queue with the match evidence pre assembled, and record every disposition so audit and appeals are clean.
What frameworks does your compliance stack support?
US: BSA / AML, OFAC, EPCS adjacent controlled substance workflows. EU: PSD2 / SCA, EMD2, GDPR, EBA guidelines. UK: PSR / EMR, FCA rules. Plus country specific obligations for markets where clients operate (Mexico, Brazil, UAE, Saudi Arabia). We build to the obligation, evidence the control, and hand the pack to your compliance team.
Do you provide regulatory reporting?
SAR/STR filing hooks, currency transaction reports, and country specific regulatory returns: with the underlying evidence stitched to each report so re filing or examiner questions resolve from the source data, not from re work.
How does this integrate with our existing case management system?
The monitoring layer can drive your case management tool via API, or use ours. Either way, alerts carry the raw evidence, matched rule, and history so investigators spend time deciding, not assembling context.
Explore the fintech stack
Related fintech capabilities.
Fraud Detection & AI Risk
Real time fraud scoring, graph based network analysis, and behavioral models that cut losses without smothering good customers: every decline explained, every model auditable.
Learn moreCross Border & Multi Currency
Local rail connectivity across 10+ countries and 30+ currencies (Pix, SPEI, SEPA Instant, Faster Payments, ACH) with FX, treasury, and real time settlement built in.
Learn morePayment Platforms & Orchestration
One API across ACH, SEPA, Wire, Faster Payments, Pix, SPEI, and crypto: with double entry ledger, permissioned settlement, and reconciliation out of the box.
Learn moreReady to ship kyc / aml & sanctions screening on banking grade infrastructure?
30 minutes with the team behind RYVYL, VeloTech, NEMS, and MonerePay. Scope the build, the rails, and the timeline: with a fixed 6 week pilot pattern and outcomes agreed in writing.