Transaction relationship network with prioritised financial crime risk signals
Financial crime compliance

Financial Crime Compliance

We address AML/CFT, KYC/KYB, sanctions, transaction monitoring and fraud as an end-to-end control system connecting policy, data, technology, operations, quality and management oversight.

Enterprise risk assessmentKYC / KYB / EDDSanctions screeningTransaction monitoringFraud controlsQA & remediation
End-to-end control

Financial crime compliance is the entire chain from customer acceptance to case closure.

Risk classification should align with customer data; monitoring rules with product and channel reality; investigations with decision criteria; and management information with risk appetite and quality results.

Financial crime framework

Risk, customer, transaction, case and assurance layers.

01

Risk assessment & governance

Assess customer, product, channel, country and transaction risks against the control environment.

  • Risk taxonomy
  • Risk appetite
  • Committee and MI
02

KYC / KYB / EDD

Design identity, beneficial ownership, risk rating, high-risk customer and ongoing due diligence journeys.

  • Customer acceptance
  • UBO and PEP
  • Periodic/event review
03

Screening & sanctions

Assess scope, matching, decisions, escalation and data quality across sanctions, PEP and adverse media.

  • List governance
  • Matching thresholds
  • Alert disposition
04

Transaction monitoring

We connect risk typologies to data, scenarios, thresholds and customer segments, then establish retrospective testing, calibration, approval and ongoing performance monitoring.

  • Scenario coverage and gap analysis
  • Back-testing and threshold calibration
  • False-positive and detection rates
  • Scenario change and approval governance
05

Fraud risk & controls

We assess identity, account, payment, digital-channel and transaction fraud risk, bringing prevention, detection, response, loss mitigation and feedback controls into one framework.

  • Enterprise fraud risk assessment
  • Rule, model and control coverage
  • Case, loss and root-cause analysis
  • Information sharing across AML and fraud teams
06

Investigation, QA & audit

Build case standards, decision quality, suspicious activity assessment, QA/QC and independent testing.

  • Case playbook
  • File/alert testing
  • Lookback and remediation
Financial crime control lifecycle

Connect risk appetite to customer decisions and monitoring outcomes to assurance.

A mature financial crime programme is not a collection of disconnected KYC and monitoring processes. Policy, data, decision rationale and quality feedback remain traceable across one end-to-end control chain.

GOVERNANCE & RISK APPETITEEnterprise risk assessmentPolicy and rolesProduct / country / channel typologiesCommittee and board visibility
01Risk assessmentAssess customer, product, country, channel and transaction risk.Risk taxonomy
02CDD / EDDVerify identity, UBO, purpose, expected activity and source information.Customer risk decision
03Screen & monitorOperate PEP, sanctions, adverse media and transaction/behaviour scenarios.Alert with lineage
04Investigate & reportAnalyse cases, document rationale, escalate and manage required reporting.Reproducible case file
05Assure & improveFeed QA, independent testing, tuning, training and action closure.Effectiveness opinion
COMMON CONTROL FOUNDATIONData quality & lineageModel / scenario governanceAudit trail & evidenceKPI / KRI / MIIssue & remediation
Monitoring effectiveness chainEvery stage should remain traceable from risk assessment to quality feedback.
01Risk & typologyCoverage
02Data & scenarioInput
03Alert triagePriority
04Case decisionRationale
05QA & tuningFeedback
Monitoring effectiveness

More alerts do not necessarily mean better detection.

Scenario coverage, segmentation, thresholds, data quality, false positives and analyst capacity need to be optimised together.

01Coverage gapRisk typologies are not linked to active scenarios and controls.
02Data gapA sound rule operates with incomplete, delayed or incorrectly mapped data.
03Decision gapCase closure rationale is inconsistent or cannot be reproduced.
04Quality gapQA results do not feed training, tuning or process improvement.
Typical deliverables

A framework operations can use and assurance can test.

Enterprise Financial Crime Risk AssessmentTaxonomy, inherent/residual risk, control effectiveness and actions.
KYC & Customer Risk FrameworkAcceptance, UBO, EDD, PEP, sanctions, risk rating and review.
Monitoring & Scenario AssessmentCoverage, lineage, scenarios, thresholds, tuning, alerts and capacity.
QA, Audit & Remediation PackTesting, file/alert results, findings, lookback and closure validation.