AML Function Overview
The AML (Anti Money Laundering) function is anti-money laundering monitoring that can reference cases where the person collected from the submission is an actual person of concern or risk based on name, date of birth, nationality, etc.Use Cases
Risk Person Check for New Account Opening
Risk Person Check for New Account Opening
Banks or financial institutions can check whether a new customer is included in sanctions lists or risk person lists through AML checks before approving account opening. This helps comply with anti-money laundering regulations and minimize financial institution risks.
Real-time Monitoring for Large Transactions and Remittances
Real-time Monitoring for Large Transactions and Remittances
For high-risk financial transactions such as large transactions or overseas remittances, you can check in real-time whether the transaction party is a risk person using the AML function. If the set threshold is exceeded, you can immediately stop the transaction and proceed with additional review.
Regular Customer Re-screening
Regular Customer Re-screening
You can identify customers classified as new sanctions targets or risk persons through regular AML re-screening of existing customers. Using the full date of birth match option minimizes false positives due to same names while enabling accurate monitoring.
AML Report Query
Viewable Information
The following information can be viewed in the AML report list:| Field | Description |
|---|---|
| Submission Time | Time when submission occurred |
| ID | Submission ID |
| Email Address | Submitter’s email |
| Name | Submitter’s name |
| Date of Birth | Submitter’s date of birth |
| Nationality | Based on issuing country |
| Risk Level | Risk level |
| Match Total | Number of matched persons |
AML Result Detail View
To view AML results searched based on the submitter’s personal information, click the left arrow of the submission to view information about persons that should be referenced according to AML criteria.Match Total InterpretationThe higher the match total number, the more persons overlap with the person’s name, date of birth, nationality information, etc.
Detailed Report Download
To view information about the actually presented person, click the blue ‘Report’ button to download detailed information.
AML Risk Level Classification
| Risk Level | Description | Response Method |
|---|---|---|
| High | High-risk person requiring immediate action | Immediate additional verification or rejection review |
| Medium | Medium-risk person requiring attention | Perform enhanced due diligence (EDD) |
| Low | Person with low risk | Regular monitoring |
| No Match | No matching information in risk person database | Normal processing |
AML Function Settings
Watch list filtering
You can perform AML Watch list filtering for users who have completed eKYC.Execute AML Check
After settings are complete, AML checks are automatically executed during the ID check authentication process.
Settings Options
| Setting | Description |
|---|---|
| Risk Level Threshold Setting | Directly set the score criteria for determining risk person status. All values are more lenient when lower and stricter when higher. |
| Full Date of Birth Match Option | Search results are displayed only when both profile (name, nationality) and date of birth match. |
Use AML check results as reference and make final judgments according to relevant regulations and internal policies.
AML Monitoring Best Practices
Priority Review
Regularly prioritize review of High risk level submissions.
Additional Investigation
Conduct additional investigation when match total is high.
Pattern Analysis
Analyze AML patterns by region and time period.
Policy Improvement
Review False Positive cases and improve policies.
Ongoing Monitoring
You can set up Ongoing Monitoring for continuous management monitoring of users who have completed eKYC.AML Ongoing Monitoring
Learn how to set up and manage continuous AML monitoring.
Related Documentation
AML Ongoing Monitoring
Set up continuous AML monitoring.
Project Management
Return to complete project settings guide.
AML Codes
View AML code list.
AML API
Learn how to query via AML API.