Compliance Guard
Compliance Guard — Continuous Regulatory Monitoring
Compliance Guard is the regulatory compliance engine of the Smartex Money platform. It provides continuous monitoring of transactions, automated sanctions screening, suspicious activity report generation, and regulator-ready audit trails — ensuring your institution meets FATF, EU AMLD, and local AML frameworks without manual overhead.
Built on the same engine that powers our AI-driven AML/KYC automation, Compliance Guard combines rule-based screening with machine learning anomaly detection to catch what traditional systems miss. Real-time alerts, automated case management, and built-in regulator reporting keep your institution ahead of evolving compliance requirements.
Core Compliance Features
Sanctions Screening
Automated screening against OFAC, UN, EU, UK HMT, and local sanctions lists. Real-time checking on every transaction, customer onboarding, and counterparty payment. Lists updated automatically within 24 hours of publication.
PEP & Adverse Media
Politically Exposed Persons screening with risk categorization (low, medium, high). Adverse media monitoring scans 100,000+ news sources daily. Configurable screening depth per customer segment.
Transaction Monitoring
Real-time monitoring of all transactions against configurable rules and ML models. Detect structuring, layering, rapid movement, and unusual patterns. False positive reduction through AI-powered context analysis.
SAR Generation
Automated Suspicious Activity Report generation with pre-filled templates for 30+ jurisdictions. Case officer review workflow with approval chain and submission tracking.
Audit Trails
Complete audit trail of every compliance decision, alert, and action. Tamper-proof logging with cryptographic chain validation. Exportable in formats accepted by regulators worldwide.
Risk Scoring
Adaptive risk scoring per customer based on transaction behavior, geographic exposure, PEP status, and adverse media. Dynamic recalibration as new data arrives.
AML & KYC Framework
Customer Due Diligence
Tiered CDD/EDD workflows based on risk level. Document verification, identity validation, and beneficial ownership identification — all automated via On-Board CRM integration.
FATF Compliance
Full alignment with FATF 40 Recommendations. Risk-based approach, customer due diligence, reporting obligations, and international cooperation frameworks built in.
EU AMLD Ready
Compliance with EU Anti-Money Laundering Directives (AMLD5, AMLD6, AMLR). UBO registers, prepaid card controls, and enhanced due diligence for high-risk jurisdictions.
Enhanced Due Diligence
Automated EDD triggers for high-risk customers, jurisdictions, and transaction patterns. Deep dive investigation workflows with document collection and risk committee review.
Periodic Review
Automated periodic KYC refresh cycles based on risk tier. High-risk: annual, medium: biennial, low: triennial. Automatic reminders and escalation for overdue reviews.
Sanctions Enforcement
Automatic account freezing and transaction blocking for sanctions matches. Configurable match thresholds with fuzzy matching for name variations and transliteration differences.
Case Management
Investigation Workflows
Alerts are automatically grouped into cases with full context: customer profile, transaction history, related parties, and previous alerts. Compliance officers can add notes, request additional information, and escalate cases through configurable approval chains.
SLA Management
Configurable SLAs for alert review, case investigation, and SAR submission. Automatic escalation when SLAs are at risk. Dashboard shows team workload and SLA compliance in real time.
Team Management
Role-based case assignment. Workload balancing across compliance officers. Case transfer and reassignment with full handover notes. Performance metrics per investigator.
Regulator Reporting
One-click SAR/STR submission to financial intelligence units. Pre-formatted reports for goAML, FinCEN, and local regulators. Submission tracking and acknowledgment management.
Integration & Automation
Platform Integration
Native integration with ABS Core for transaction data, On-Board CRM for customer profiles, and ADS Engine for AI-powered scoring. No custom integration needed.
Sanctions List Sources
OFAC SDN, UN Consolidated, EU Financial Sanctions, UK HMT, Interpol, and 50+ country-specific lists. Automatic daily updates with version tracking.
Flow Modeler Integration
Compliance workflows orchestrated through Flow Modeler. Custom rules, approval chains, and notification policies without writing code.
Stay compliant, stay ahead
Compliance Guard keeps your institution ahead of evolving regulations with automated monitoring, AI-powered detection, and regulator-ready reporting. Schedule a demo to see how it fits your jurisdiction.
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