AML Transaction Monitoring

Unit21 AML Transaction Monitoring is a comprehensive, customizable solution designed to help financial institutions detect, investigate, and report suspicious activity with precision and speed. It goes far beyond traditional transaction monitoring by enabling organizations to ingest and analyze any type of data—transactional, behavioral, or user activity—to proactively combat financial crime and maintain compliance with global regulatory standards. The platform empowers compliance teams with flexible rule creation, advanced testing capabilities, and automated regulatory reporting. It supports real-time detection of complex patterns and evolving typologies, helping institutions stay ahead of emerging threats while reducing false positives and operational overhead.

Features

• Flexible Data Ingestion: Accepts any data type—transaction, behavior, user activity—without engineering dependencies.
• Out-of-the-Box & Custom Rules: Use pre-built rules for common compliance scenarios or build your own tailored logic.
• Historical & Live Data Testing: Validate rules using shadow mode and backtesting to optimize performance before deployment.
• Graph-Based Rule Engine: Uncover hidden relationships and patterns using entity link analysis, ideal for detecting money mule networks.
• Automated Regulatory Filing: Direct SAR e-filing to FinCEN, plus CTR and goAML reporting to over 45 countries.
• 314(a) AI Agent: Automates FinCEN 314(a) match validation with high precision, reducing manual review time.
• Customizable Filtering: Target specific behaviors across transactions, accounts, devices, or customers.
• Visual Dashboards: Over 40 dashboards to monitor alerts, case trends, investigator productivity, and KPI progress.

Capabilities

• Real-Time Risk Detection: Instantly flag suspicious activity using adaptive rules and pattern recognition.
• Entity Relationship Mapping: Identify complex fraud schemes through graph-based analysis of shared data points.
• No-Code Rule Configuration: Empower compliance teams to adjust detection logic without technical support.
• End-to-End Case Management: Investigate alerts, file reports, and track outcomes within a unified platform.
• Scalable Across Payment Rails: Apply rules to specific customer segments, payment types, or behaviors.
• Audit-Ready Documentation: Ensure transparency and regulatory confidence with built-in QA/QC workflows.
• Integrated AI Agents: Automate routine reviews and enhance decision accuracy across AML workflows.

Benefits

• Enhanced Compliance: Stay aligned with global AML regulations and reduce risk of fines or reputational damage.
• Operational Efficiency: Minimize false positives and manual workload with intelligent automation and filtering.
• Rapid Deployment: Launch and iterate rules quickly without engineering bottlenecks.
• Improved Investigator Productivity: Track performance and optimize workflows with detailed analytics.
• Proactive Threat Detection: Identify emerging fraud patterns before they escalate.
• Customizable to Your Needs: Tailor the platform to your institution’s risk profile and operational structure.
• Unified Risk Intelligence: Centralize data, alerts, and reporting for streamlined AML operations.