⚖️ AI AML Agent

The AiPrise AML Agent helps compliance and risk teams streamline AML screening for both individuals and businesses.

It integrates directly with leading data providers like ComplyAdvantage and Dow Jones, automatically analyzing AML hits to identify true matches, assess risk, and produce audit-ready recommendations aligned with your organization’s policy.

By combining AI-driven entity matching with explainable decisioning, the AML Agent reduces manual review time and improves accuracy across your KYC/KYB and onboarding processes.

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🚀 Product Overview

When screening individuals or businesses for AML compliance, teams often face hundreds of potential “hits” — many of which turn out to be false positives. Manually reviewing each one consumes valuable time and introduces inconsistency.

The AML Agent automates this entire process. It reviews each vendor hit, evaluates its relevance, severity, and provides an **automated recommendation **(Approve, Review, or Reject) — all traceable to your organization’s AML policy.

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🔍 How It Works

Input & Vendor Data

The AML Agent ingests hits from a variety of providers (e.g., ComplyAdvantage, Dow Jones) for both individuals and business entities.

Relevance Analysis

The system evaluates whether each hit truly refers to the searched entity using multiple data points:

• Name and alias similarity
• Date of birth or founding date
• Location and nationality
• Relatives or associates
• Facial match

Each hit receives a Relevance Score (0–100), with low-confidence matches automatically flagged or cleared based on your configured rules - don’t waste any time looking at false positives.

Severity Analysis

Once a hit is deemed relevant, the AML Agent determines the seriousness of the underlying issue. Examples:

• Minor offenses (e.g., DUI, tax delay) → Low severity
• Sanctions, terrorism, or money laundering → High severity

Each severity review includes:

• Type of hit (Adverse Media, Sanctions, Watchlist)
• Nature of activity (e.g., Fraud, Terrorism, Money Laundering)
• Affiliated organizations or individuals
• Geography and role
• Summarized key facts extracted directly from vendor data

Recommendation

If you upload your AML policy, the Agent provides:

• **Policy-aligned decisioning **(e.g., “Do not onboard as per Clause 3.2.1”)
• Clause-level citations for each recommendation
• Audit-ready documentation showing rationale and policy linkage

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⚖️ Automated Decisioning

Based on the findings, AiPrise classifies each entity as:

Your team can also **configure custom rules and thresholds **(e.g., auto-approve all hits below 30% relevance, or auto-reject any high-severity terror-related hits).

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📁 Case-Level Decisions

After analyzing all entities in a screening case, the AML Agent provides a case-level recommendation:

• If even one entity is marked Reject or EDD (Enhanced Due Diligence) → The entire case is flagged accordingly.
• If all entities are Approved → The case is automatically cleared.

This ensures no high-risk connection is overlooked, and the worst-case determination is clearly surfaced for compliance review.

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🔧 Custom Rules and Automation

Users can define their own logic for automatic approvals and reviews. Examples:

• Auto-clear any hit with Relevance < 30%
• Route Medium Severity hits to a manual queue
• Automatically Reject hits with terrorism or sanctions tags

This flexibility drastically reduces manual effort while ensuring policy adherence.

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🧾 Audit & Transparency

Every AI decision includes:

• Relevance and severity breakdown
• Vendor source link and article reference
• Extracted facts and reasoning
• Policy citations (if policy uploaded)
• Timestamped trail for compliance review

All results are fully explainable and can be exported for audit and regulatory reporting.