Transaction Trust Monitoring

AML compliance made simpler with AI Powered Transaction Monitoring

Shufti’s transaction monitoring software evaluates risk in real time across 1,600+ enriched data points, connecting verified KYC identity to every transaction decision in one platform with a single audit trail. Compliance teams can build, backtest, and deploy rules without code.

TTM Screening — Victoria Petrova KYC card with transaction history dashboard and Anomaly Detected flag

SHUFTI IMPACT METRICS

Evidence at every decision. Auditability at every step.

90%

False Positive Reduction

<500ms

Latency per Call

24/7

Continuous Monitoring

Trusted by Leading Digital Enterprises Worldwide

UNIFIED RISK INTELLIGENCE

One Platform for KYC, AML, and Transaction Monitoring

One Platform, One Trail, Zero Gaps

Shufti connects identity verification, AML screening, and transaction monitoring on a single infrastructure. Every KYC decision, every screening hit, every transaction flag lives in one auditable trail, no stitching, no silos, no story that falls apart under regulatory scrutiny.

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Unified platform mockup — KYC, AML, and transaction monitoring on a single audit trail.

1,600+ Data Points With Explainable Decisions

Every transaction is evaluated against enriched context, KYC status, velocity patterns, device consistency, behavioural signals. The ML model doesn't just score risk; it returns the supporting signals and the narrative behind the decision, giving compliance teams a defensible evidence chain, not a black box.

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Explainable risk mockup — 1,600+ enriched data points returning a defensible Compliance Risk Score.

No-Code Rule Builder With Historical Backtesting

Compliance teams define rules, set weights, adjust logic, and test against six months of real transaction data, all without a single IT ticket. What used to take a dev sprint now takes an afternoon.

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No-code rule builder mockup — define, weight, and backtest rules against six months of real transactions.

Pattern Detection That Sees Beyond Individual Transactions

Ring detection surfaces coordinated activity across linked accounts. Dynamic thresholds adapt by customer segment. Behavioural baselining compares every transaction against each customer's own history, catching the anomalies that flat thresholds miss entirely.

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Pattern detection mockup — ring detection across 7 linked accounts plus behavioural baselining.

CORE FEATURES OF TRANSACTION MONITORING SOFTWARE

Powering AML Transaction Monitoring at Enterprise Scale

Real-Time Transaction Monitoring

Compliance Risk Score

Quantifies regulatory and behavioural risk across the full enriched data set.

Supporting Signals

Shows which rules triggered and why the transaction was flagged, specific, traceable, defensible.

Ring Detection and Behavioural Baselining

Ring Detection

Flags coordinated activity across accounts linked by email, phone, IP, device fingerprint, and payment identifiers. One compromised entity triggers review of all connected activity.

Transaction History

Provides the longitudinal context that distinguishes a suspicious pattern from an isolated anomaly.

Behavioural Baselining

Compares each transaction against that specific customer's established behaviour, typical amounts, frequencies, transaction types, timing, device consistency, and timezone. Transactions are assessed in context, not in isolation.

Merchant-defined consent per transaction

Categories of AML Transaction Monitoring System

Regulatory & Jurisdiction Risk

Sanctions screening across OFAC, EU, and UN lists at 100% confidence, PEP matching, adverse media, FATF jurisdiction risk, and embargoed-country checks.

Customer Risk Profile

KYC status, customer risk rating, account age, source of wealth, historical approval patterns, and identity verification status.

Transaction & Behavioural Patterns

Velocity patterns, amount spikes, frequency anomalies, structuring detection, transaction deviations from individual baselines, timezone consistency, and device fingerprint persistence.

Beneficiary, IP & Location Intelligence

Beneficiary jurisdiction risk, new beneficiary escalation, relationship mapping, account type, geolocation consistency, VPN and TOR detection, billing-address matching, and email-phone-IP alignment.

Multiple Agents. One Decision-Ready Case

Parallel Agent Investigation

Shufti runs multiple agents on every flagged transaction, checking pattern history, sanctions and adverse media, device and IP location, and receiver networks at the same time.

Pre-Assembled Cases

Shufti delivers each case with the investigation already done. Adverse media translated, linked accounts mapped, behavioural deviation summarised.

Smarter Noise Reduction

Shufti correlates signals across velocity, amounts, new receivers, and corridor risk to catch real risk and suppress the rest.

Configurable Agent Library

Shufti lets compliance toggle agents on or off by alert type, segment, or jurisdiction, covering Customer Age, HIFCA, HIDTA, Entity Network, Account Tenure, Customer Risk Rating, Player Wagering, Account Summary, Current Alert, Prior Case, Prior SAR, Rule Trigger, Counterparty Patterns, and Alert Behaviour Shift.

Case Management & Escalation Hub

Unified Alert Queue and Investigator Workspace

Flagged transactions routed by risk score, typology, or jurisdiction, with KYC record, linked accounts, device history, and behavioural baseline in one view. Alert suppression collapses repeat signals so analyst time goes to genuine risk.

Configurable Escalation Workflow and Audit Trail

Route cases from analyst to MLRO with four-eyes review, dual sign-off, and time-bound SLAs. Every action timestamped, attributed, and immutable, with SAR-ready exports aligned to FinCEN, FCA, and FINTRAC.

Structuring, Smurfing, and Mule Detection

Pre-built typology rules surface transactions broken below reporting thresholds, coordinated smurfing across linked accounts, and mule activity inconsistent with the verified KYC profile.

Dynamic Threshold Management and Backtesting

Tune thresholds by customer tier, jurisdiction, or transaction type, then backtest every change against six months of historical data before deployment. Version-controlled and defensible at audit.

SAR-Ready Documentation

Export complete case files, narrative, supporting signals, linked entities, decision history, in formats aligned to FinCEN, FCA, FINTRAC, and equivalent regulatory templates.

Built for Compliance: Go live in minutes with our flexible API and lightweight SDKs

Seamless Integrations, Powerful Results

Build fully customizable verification flows with seamless backend integration.

Gain full control by customising verification flows end-to-end.
Integrate seamlessly with your backend for quick implementation.
Design flexible verification journeys tailored to your users.

Explore API Docs

RESTful API integration mock — code editor showing import requests / api.shufti.com / response.json() / VERIFICATION_URL

Launch a native verification experience inside your iOS or Android app within minutes.

Launch native verification within minutes on iOS or Android.
Use ready-made UI with camera, capture, and real-time feedback.
Customise flows to fit seamlessly into your mobile app.

Explore SDK Documentation

Lightweight SDK mock — mobile screen with camera capture and verification status

With KYC Journey Builder, design personalised verification journeys without writing a single line of code.

Customise your journey effortlessly with drag-and-drop functionality.
Instantly preview how your verification flow looks for your users.
Easily connect with Hosted Verification for a consistent, branded experience.

Explore More

Journey Builder mock — drag-and-drop visual flow editor for verification journeys

Run Shufti within your own infrastructure for maximum data control and privacy.

Keep all sensitive information in-house to meet strict governance and residency requirements.
Maintain full data sovereignty with secure, isolated processing.
Deploy in highly regulated sectors without compromising compliance.

Contact Sales

On-Premise Deployment mock — server architecture diagram showing self-hosted Shufti deployment

Evidence-based AML monitoring for every regulated business

Real-world scenarios where TTM monitors for AML risk

Screen Every Seller, Merchant, and Beneficial Owner

Twenty-three new seller accounts created in 90 days, all from the same device fingerprint, each fulfilling four orders before going dormant, with payouts routed to a single beneficial owner. Shufti spots unusual funding, linked accounts, and seller networks running from shared devices or IPs, so genuine sellers stay live and real risk gets caught.

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Don't just take our word for it, hear from our customers

The Confidence Our Clients Share

The future of digital identity is defined by trust, interoperability, and regulatory alignment, so our partnership with Shufti reinforces DevCode Identity's commitment to supporting our global customers with the most secure, best-in-class, complaints identity verification solutions available today.

Combining our Conversion Driven Compliance Orchestration Platform with Shufti's global KYC and IDV capabilities allows our customers not only to navigate complex regulatory demands but also to maintain a seamless customer onboarding experience with the highest achievable conversion rates.

Mark Knighton

Chief Global Development Officer - Global Alliances, DevCode

Frequently Asked Questions

What is Transaction Trust Monitoring (TTM)?

TTM is Shufti's AML compliance layer for real-time transaction monitoring. It evaluates every transaction across 1,600+ enriched data points and returns three outputs: a Compliance Risk Score (0–100), Supporting Signals (which rules triggered), and "The Story" (an AI-generated narrative explaining the decision). TTM integrates with KYC on one platform so verified identity flows directly into transaction monitoring.

How does the unified KYC and Transaction Trust Monitoring (TTM) platform improve AML compliance?

Verified customer data flows automatically from KYC into TTM. Customer risk rating changes update monitoring behaviour. One platform means one audit trail, no fragmented compliance record, and no duplicate data handling costs. Fragmented stacks. where identity verification and transaction monitoring operate on separate architectures — produce incomplete audit trails that regulators increasingly scrutinise.

What is ring detection and why does it matter?

Ring detection identifies coordinated activity across accounts linked by email, phone, IP address, device fingerprint, and payment identifiers. Single-transaction rules miss the layering patterns that money laundering networks rely on. Ring detection makes those patterns visible. Example: multiple accounts funded from the same IP, making similar transactions in rapid succession, each below threshold, together with a clear structural pattern.

Why does data depth matter?

More data points mean more context per decision. A high-value transaction from a recently onboarded customer looks risky in isolation. With deeper data, you see that the customer has a consistent transaction history, the device fingerprint matches, and the IP is stable. The risk score drops. A false positive is avoided, and the compliance team investigates genuine risk instead.

Can the compliance team configure rules without involving IT?

Yes. The no-code Rule Builder lets compliance teams define rules using plain language, select data points from the full 1,600+ available, set AND/OR logic and thresholds, backtest against six months of historical data, and deploy with version control. No SQL, no code, no IT dependency.

Which transaction types does TTM monitor?

All types where AML risk exists: deposits, withdrawals, transfers, wire transfers, peer-to-peer payments, card payments, direct debits, standing orders, payouts, and fund transfers. Rules are configurable per transaction type, customer segment, and jurisdiction.

How quickly are monitoring decisions returned?

Under 500 milliseconds per transaction. TTM is built for real-time authorisation decisions or batch analysis. 1,600+ data points are evaluated without compromising speed.

How does monitoring improve over time?

Compliance teams report immediate decisions (approved/escalated) and finalised outcomes (confirmed AML signal/resolved). This feedback loop trains the monitoring model. Rules are tuned based on actual outcomes, not assumptions. Behavioural baselines evolve as transaction data accumulates.

How does TTM integrate with existing systems?

Via a real-time API. Send transaction details, receive a monitoring decision in milliseconds. Trigger custom workflows (manual review, escalation, risk rating update) based on the result. TTM works as merchant, PSP, acquirer, neobank, or compliance layer — the same monitoring and audit trail regardless of role.

Can TTM be deployed on-premise?

Yes. Deploy in cloud (AWS, GCP, Azure) or on-premise based on data residency and regulatory requirements. Both deployment models offer identical performance, features, and audit capabilities.

Does TTM integrate with other Shufti products?

Yes. Deploy TTM alongside Document Verification, Face Verification, and AML Screening on one platform. Verified identity from KYC feeds directly into transaction monitoring. One audit trail. One compliance record for regulators.

AML Compliance, Simplified. Defensible At Every Decision

See Shufti's AI agents investigate every alert, score transactions in under 500ms, and unify KYC, AML, and monitoring on the single audit trail regulators expect.

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