Compliance & AML Automation

Convert customer acquisition with secure, compliant identity verification, accelerating your onboarding process while reducing risk.
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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.

AML Orchestration & Investigator system

Incoming alerts are sorted, the relevant payments, customer files, and open-source intelligence are fetched, and a draft case summary appears on the analyst’s screen. The
system highlights red-flag facts, proposes next steps, and even drafts SAR text, so
investigators spend time making decisions—not copying data.

Real-Time Payments & Sanctions Monitoring Hub

Every instant payment (FedNow, SEPA Instant, RTP, wires, cards, or crypto on-/off-ramps)
is screened in under one second. Adaptive models mix sender history, device signals, and
sanctions data to cut false positives while catching hidden mule and sanctioned-party flows.

Regulatory Policy & Rule Management

A drag-and-drop canvas turns any new directive into a live rule set. Compliance teams
simulate impact on last week’s traffic, push the change to production, or roll it back with a
click—no multi-week IT sprint or hard-coded logic.

SAR Filing & Automated Reporting

Once an alert is confirmed, the system auto-populates SAR/STR/CTR fields, attaches evidence links, and queues the report for e-submission. Drafts appear in seconds; managers
approve in minutes, halving back-office effort and meeting regulatory deadlines with ease.

24/7 Monitoring Risk Scores & KYC

Customer risk profiles refresh whenever behaviour, documents, or sanctions lists change—turning annual KYC reviews into an always-on process. High-risk shifts trigger immediate review tasks; low-risk customers sail through without manual touch.

Explainable AI, Encryption & Immutable Audit Trails

Every score opens with plain-language drivers, bias checks, and full version history. All data
is encrypted in transit and at rest, and every alert, rule edit, or user action is hashed to a
tamper-proof ledger—giving regulators a complete, trustworthy timeline in one click.

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 & Insur Techs

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 afterconfirmation.

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.

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

KYC Automation for a German Payments Fintech

A mid-sized German payment gateway with 180 employees processing approximately €700-800M in annual transactions, active in 6 EU markets.

  • 28% conversion increased
  • 40% improved performance
Read Case Study

Conversational AI for a Spanish Insurance Firm

A traditional Spanish insurance provider with 85 years of history, 950 employees, and €280 million in annual premiums across home, auto, life, and commercial lines.

  • 28% conversion increased
  • 40% improved performance
Read Case Study

Real-Time Fraud Detection in UK Digital Payments App

A fast-growing UK-based mobile payment application with 165 employees processing approximately £1.3 billion in annual transaction volume with around 700k active users.

  • 28% conversion increased
  • 40% improved performance
Read Case Study

AI Copilot for Treasury Operations at a Spanish Payment Orchestration Platform

A mid-sized German payment gateway with 180 employees processing approximately €700-800M in annual transactions, active in 6 EU markets.

  • 28% conversion increased
  • 40% improved performance
Read Case Study

Certifications & Compliance

How It Works

We chart every step of your current AML process, measure alert volumes, and flag bottlenecks. This baseline shows where early, high-impact wins lie.
Transaction feeds, customer profiles, and existing rules plug into the platform. Incoming data is cleaned, standardised, and quality-scored before any modelling begins.
Machine-learning risk scores sit on top of your hard policy thresholds, detecting subtle patterns while keeping non-negotiable limits firmly in place.
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.
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.
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

Investing in Your Future

We’re passionate about innovation. By continuously investing in cutting-edge technologies like edge computing, quantum-inspired analytics, and advanced ModelOps, we keep your solutions ahead of the curve. Our proactive approach ensures you’re always ready for regulatory shifts, operational changes, and client expectations, giving you confidence and peace of mind.

No-Cost, Deep-Dive Discovery

Your journey with us begins with a thorough, complimentary discovery session guided by our financial industry experts. Together, we’ll identify your needs, gaps, and the greatest opportunities to maximize your investment at no cost. Also, to make sure you see tangible results, we offer a risk-free proof-of-concept backed by a money-back guarantee—ensuring outcomes, not just promises.

Focused Financial Expertise with Global Reach

Finance isn’t just one of our markets—it’s our only market. Our team consists of dedicated banking technologists, finance-savvy engineers, and compliance specialists who know global regulations inside and out, including MiFID, FATCA, AML, and Basel III. Thanks to this deep expertise, your deployments are smoother, faster, and yield immediate returns.

Giving Back Together

We believe transformation goes beyond your company. At least 3% of your project’s net proceeds go directly to a charity you select—whether that’s supporting climate action, advancing education, or boosting economic literacy around the world. Aspagnul handles all administration, providing full transparency, so your investment creates lasting global impact.

Continuous Support When You Need It Most

We don’t disappear after launch. Aspagnul provides 80 days of complimentary 24/7 post-deployment support, ensuring your team feels confident and supported at every step. Our dedicated success team will monitor performance, optimize workflows, and help your teams smoothly adapt to regulatory changes, user feedback, or evolving business needs—ensuring lasting success across your entire organization.

Frequently Asked Questions

Yes. For a full replacement we migrate historic alerts, recreate critical rules, and cut over in one weekend. Prefer a lighter touch? We ingest alerts from your current engine, apply AI scoring, and send the enriched results back to your familiar case tool—no change to analyst workflow.
A visual policy builder lets compliance officers drag the new requirement onto a canvas, test it against last week’s traffic, and promote it to production the same day. Every change is version-controlled, time-stamped, and ready for examiner review—no developer ticket required.
Most institutions see a 40–60 % drop within the first 90 days, while true positives rise. One EU retail bank, for example, lowered its alert-to-case ratio from 12:1 to 5:1 after the first model retrain.
Each score opens with an explanation panel that lists key factors, data sources, and fairness checks. ModelOps tracks drift, stores every model version, and provides a one-click audit trail—satisfying model-risk and supervisory requirements.
Yes. The monitoring hub screens FedNow, SEPA Instant, RTP, card, wire, and on-chain transfers in under one second, and traces wallet provenance for virtual-asset exposure—meeting FATF “Travel Rule” expectations.
A phased rollout—data feeds, model tuning, and user training—typically reaches production in 6–8 weeks. When we layer on top of an existing system, pilots can start in as little as four weeks; a full legacy swap may extend toward the upper end of that range.

Let’s 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.

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