AML Screening

Comply with Anti-Money Laundering (AML) regulations by screening customers against 100+ global databases including sanctions lists, Politically Exposed Persons (PEP), and adverse media.

What is AML Screening?

AML screening checks whether individuals or businesses appear on watchlists maintained by governments and regulatory bodies worldwide. This is a legal requirement for financial institutions and many other regulated businesses.

What We Search

Sanctions Lists (45 sources)

Screen against international and national sanctions programs:

• OFAC SDN (US Treasury Specially Designated Nationals)
• UN Security Council Consolidated List
• EU Consolidated List of sanctions
• UK HM Treasury Sanctions List
• Country-specific sanctions (Canada, Australia, Japan, etc.)

1 Credit Sanctions screening

PEP Databases (20 sources)

Identify Politically Exposed Persons and their associates:

• Current PEPs: Heads of state, government ministers, senior judges, military officers
• Former PEPs: Individuals who left office within 12 months
• RCAs (Relatives and Close Associates): Family members and business partners

2 Credits PEP screening

Adverse Media (15 sources)

Detect negative news coverage related to financial crimes:

• Money laundering allegations
• Fraud investigations
• Corruption cases
• Regulatory enforcement actions
• Financial crime convictions

3 Credits Adverse media screening

How It Works

1. Enter Search Parameters

const search = await fetch('/api/v3/aml/search', {
  method: 'POST',
  body: JSON.stringify({
    applicantId: 'abc123', // Optional: link to applicant
    fullName: 'John Michael Smith',
    dateOfBirth: '1975-03-15',
    country: 'GB',
    categories: ['sanctions', 'pep', 'adverse_media'],
    matchThreshold: 90
  })
});

2. Review Results

{
  "searchId": "search_xyz",
  "status": "completed",
  "matchesFound": 2,
  "matches": [
    {
      "matchScore": 95,
      "category": "sanctions",
      "source": "OFAC SDN",
      "name": "John Michael Smith",
      "dateOfBirth": "1975-03-14",
      "reason": "Financial fraud",
      "dateAdded": "2019-06-15"
    },
    {
      "matchScore": 87,
      "category": "pep",
      "source": "Global PEP Database",
      "position": "Former MP",
      "country": "GB"
    }
  ]
}

3. Make a Decision

• True Positive: Confirm it's the same person → Apply enhanced due diligence or reject
• False Positive: Different person → Dismiss the match
• Uncertain: Investigate further or contact compliance team

Match Scoring

Every potential match receives a confidence score:

Factors affecting match score:

• Name similarity (exact, phonetic, fuzzy)
• Date of birth match
• Nationality/country match
• Additional identifiers (passport, national ID)

Search Templates

Save frequently used search configurations for faster screening:

• Standard KYC: Sanctions + PEP
• Enhanced Due Diligence: Sanctions + PEP + Adverse Media
• High Risk: All categories with low threshold
• Quick Check: Sanctions only

Learn about Templates →

Risk-Based Approach

Tailor screening depth to customer risk level:

Regulatory Compliance

6AMLD (EU)

• Screen at customer onboarding
• Ongoing monitoring for high-risk customers
• Enhanced due diligence for PEPs
• Record screening results for 7 years

USA PATRIOT Act

• OFAC sanctions screening required
• PEP identification mandatory
• Suspicious Activity Reports (SARs) for hits

UK Money Laundering Regulations

• Sanctions screening required
• PEP screening with enhanced due diligence
• Risk-based approach to adverse media

Next Steps