Compliance & AML Automation
We partner with industry leaders
Core Solutions We Offer
Aspagnul’s Compliance & AML Automation suite replaces slow, rule-bound checks with real-time, AI-driven controls—so your institution stays one step ahead of regulators and fraudsters.
Industries & Teams That Benefit
Retail & Corporate Banks
Instant-payment rails and quarterly KYC “crunch weeks” overload compliance desks. With real-time payments screening and perpetual KYC in place, alerts clear in seconds, new personal or business accounts finish onboarding in hours, and audit findings fade because every decision is fully logged and explainable.
Digital Banks, Fintechs & Neobanks
Explosive user growth attracts fraud rings and stretches analyst head-count. Sub-second ID verification, device-risk scoring, and system-built case files let genuine customers open accounts in minutes while bad actors are blocked instantly—no hiring spree required.
Insurance Carriers & InsurTechs
Fraudulent claim clusters and bogus agent commissions inflate loss ratios. Behaviour models spot repeat-repair scams or high-risk adjusters, auto-escalate the file, and draft the SAR, cutting write-offs and keeping regulators satisfied.
Wealth Managers & Private Banks
High-net-worth clients resent endless source-of-funds and PEP checks, yet a single miss invites fines. Continuous risk scoring updates those checks in the background, so elite clients stay compliant with minimal friction and the firm’s licence stays safe.
Investment Banks, Hedge Funds & PE/VC
Cross-border capital calls, complex LP chains, and crypto exposure require deep screening. Multi-layer investor checks clear sanctioned entities in minutes, synthetic-data training keeps deal docs private, and SAR drafts are ready for every jurisdiction seconds after confirmation.
Payment Service Providers & Money-Transfer Firms
Real-time remittances must be screened in under a second; false positives block good payments and anger customers. The payments hub links sender history, network patterns, and sanctions data to slash false alerts while meeting sub-second regulatory thresholds.
Crypto Exchanges & Virtual-Asset Platforms
Funds move through mixers and privacy coins; supervisors demand end-to-end traceability. On-chain analytics trace wallet provenance, tie it to fiat on-ramps, and feed continuous risk scores, satisfying FATF “Travel Rule” and local VASP requirements.
Corporate Treasury & Trade-Finance Teams
Supplier onboarding, sanctions checks, and letter-of-credit reviews still rely on PDFs and spreadsheets. Centralised tagging, perpetual KYC, and an immutable audit ledger turn week-long document hunts into five-minute dashboard exports, speeding cash-cycle decisions and internal-audit sign-off.
Industries & Teams That Benefit
Instant-payment rails and quarterly KYC “crunch weeks” overload compliance
desks. With real-time payments screening and perpetual KYC in place, alerts clear in seconds, new
personal or business accounts finish onboarding in hours, and audit findings fade because every decision is
fully logged and explainable.
Explosive user growth attracts fraud rings and stretches analyst
head-count. Sub-second ID verification, device-risk scoring, and system-built case files let genuine
customers open accounts in minutes while bad actors are blocked instantly—no hiring spree required.
Fraudulent claim clusters and bogus agent commissions inflate loss
ratios. Behaviour models spot repeat-repair scams or high-risk adjusters, auto-escalate the file, and draft the
SAR, cutting write-offs and keeping regulators satisfied.
High-net-worth clients resent endless source-of-funds and PEP
checks, yet a single miss invites fines. Continuous risk scoring updates those checks in the background, so
elite clients stay compliant with minimal friction and the firm’s licence stays safe.
Cross-border capital calls, complex LP chains, and crypto
exposure require deep screening. Multi-layer investor checks clear sanctioned entities in minutes,
synthetic-data training keeps deal docs private, and SAR drafts are ready for every jurisdiction seconds after
confirmation.
Real-time remittances must be screened in under
a second; false positives block good payments and anger customers. The payments hub links sender
history, network patterns, and sanctions data to slash false alerts while meeting sub-second regulatory
thresholds.
Funds move through mixers and privacy coins;
supervisors demand end-to-end traceability. On-chain analytics trace wallet provenance, tie it to fiat
on-ramps, and feed continuous risk scores, satisfying FATF “Travel Rule” and local VASP requirements.
Supplier onboarding, sanctions checks, and letter-of-credit
reviews still rely on PDFs and spreadsheets. Centralised tagging, perpetual KYC, and an immutable audit
ledger turn week-long document hunts into five-minute dashboard exports, speeding cash-cycle decisions
and internal-audit sign-off.
Problems (or Missed Opportunities) Solved
- Analysts Buried in Manual Reviews - The system pre-loads each case with the full entity graph, payment history, and sanctions hits, so investigators start with a ready-made file instead of hunting for data—cutting prep time by up to 60 %.
- Static Rules Miss New Fraud Patterns - Live machine-learning models learn fresh mule and layering tactics from daily traffic. Emerging threats are flagged days before hard-coded rules would notice them, keeping the bank ahead of criminals and examiners alike.
- False Positives Overwhelm Teams - Context-aware scoring weighs device ID, location, transaction speed, and peer behaviour to filter out one-off “noise” alerts. Analysts spend their time on real risk, not clearing harmless outliers.
- Regulatory Changes Take Months to Implement - Compliance officers drag a new requirement onto a visual canvas, test it against last week’s data, and push it live the same day—no coding sprint, no backlog, no hurry-up memos from the regulator.
- Audit Trails Are Fragmented - Every query, edit, and approval is time-stamped, linked to the user, and stored with before-and-after values in an immutable ledger. Auditors replay the entire case in minutes, eliminating week-long evidence hunts.
What You Gain with Aspagnul
- More Intelligent Alerts, Fewer Distractions - Context-based scoring reduces false positives by 40–60 percent, so analysts spend their shift on genuine threats and clear more real cases.
- Quicker Case Resolution - The system auto-builds evidence packs and suggests next steps, shrinking investigation time by up to 60 percent and releasing budget for higher-value projects.
- Always-On Compliance - Client risk scores update automatically whenever a new document, transaction, or sanctions list appears—ending the quarter-end KYC backlog marathon.
- Rapid Policy Updates - Compliance officers turn fresh guidance from regulators like AMLD or FinCEN into live rules within hours, not the months of change-management legacy systems require.
- Audit and Regulator Confidence - Every rule, alert, and analyst decision is time-stamped, version-controlled, and fully explainable—ready for on-site or remote examination at a moment’s notice.
Case Study
Real Results from Financial Leaders
Industries That Benefit
Retail & Corporate Banks
Instant-payment rails and quarterly KYC “crunch weeks” overload compliance desks. With real-time payments screening and perpetual KYC in place, alerts clear in seconds, new personal or business accounts finish onboarding in hours, and audit findings fade because every decision is fully logged and explainable.
Problems we solve
1.
Analysts Buried in Manual Reviews
The system pre-loads each case with the full entity graph, payment history, and sanctions hits, so investigators start with a ready-made file instead of hunting for data—cutting prep time by up to 60 %.
2.
Static Rules Miss New Fraud Patterns
Live machine-learning models learn fresh mule and layering tactics from daily traffic. Emerging threats are flagged days before hard-coded rules would notice them, keeping the bank ahead of criminals and examiners alike.
3.
False Positives Overwhelm Teams
Context-aware scoring weighs device ID, location, transaction speed, and peer behaviour to filter out one-off “noise” alerts. Analysts spend their time on real risk, not clearing harmless outliers.
4.
Regulatory Changes Take Months to Implement
Compliance officers drag a new requirement onto a visual canvas, test it against last week’s data, and push it live the same day—no coding sprint, no backlog, no hurry-up memos from the regulator.
5.
Audit Trails Are Fragmented
Every query, edit, and approval is time-stamped, linked to the user, and stored with before-and-after values in an immutable ledger. Auditors replay the entire case in minutes, eliminating week-long evidence hunts.
Certifications & Compliance
How It Works
Workflow Assessment
We chart every step of your current AML process, measure alert volumes, and flag bottlenecks. This baseline shows where early, high-impact wins lie.
Data and Rule Integration
Transaction feeds, customer profiles, and existing rules plug into the platform. Incoming data is cleaned, standardised, and quality-scored before any modelling begins.
Hybrid Models (Rules + AI)
Machine-learning risk scores sit on top of your hard policy thresholds, detecting subtle patterns while keeping non-negotiable limits firmly in place.
Alert Orchestration and Case Management
Each alert receives a risk score, added context, and is
routed to the right analyst. Queues can be sorted by risk level, age, or likely regulatory impact, so teams
tackle the most important cases first.
Reporting and SAR Filing
When a case is confirmed, every required report (SAR, STR, CTR) is auto-filled, with each field linked to its supporting evidence. Reviewers verify in seconds, not hours.
Live Updates via ModelOps
Dashboards track false-positive rates, model drift, and rule usage in real time. Approved tweaks or retrains go live with a full version history and an instant rollback option if needed.
Why Aspagnul Is the Ideal Partner
Frequently Asked Questions
Can Aspagnul replace or enhance our existing AML platform?
Yes. For a full replacement, we migrate historical alerts, rebuild critical rules, and complete cutover with minimal downtime. If you prefer to keep your current platform, we can integrate on top—ingesting alerts, applying AI scoring, and returning enriched results directly into your existing case management workflow.
How is data residency and security handled?
All processing runs inside your own cloud or on-premises environment—no data leaves your control. Full audit logs, encryption, and rollback capabilities ensure compliance with GDPR, SOC 2, and ISO 27001 standards.
What reduction in false positives should we expect?
Most institutions achieve a 40–60% reduction within the first 90 days, while detection of true suspicious activity improves. This accelerates investigations, reduces manual review workload, and allows analysts to focus on higher-value cases.
How do regulators gain transparency into the AI?
Each alert includes an explanation panel showing key decision factors, data sources, and fairness checks. All models are versioned, monitored for drift, and fully auditable, meeting model risk management and supervisory expectations.
Does the platform support real-time payments and virtual assets?
Yes. The monitoring hub covers FedNow, SEPA Instant, RTP, card, wire, and on-chain transactions in sub-second timeframes, with wallet tracing for virtual asset compliance and alignment with FATF Travel Rule requirements.
How long does implementation take?
Typical rollout is 6–8 weeks, covering data integration, model tuning, and user training. When enhancing an existing system, pilots can launch in as little as four weeks or less; full legacy replacement is closer to the upper range.
Get in touch
We’re excited to hear from you and to start something special together.
- Money-back guarantee if you don’t receive what we promise.
- Full financial and technical analysis of your current situation.
- Full support from the moment of our first contact.
Contact Information
Turn your financial operations with purpose-built AI solutions from Aspagnul that reduce costs, accelerate growth, and ensure regulatory compliance across financial institutions.