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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.
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Evidence at every decision. Auditability at every step.
One Platform for KYC, AML, and Transaction Monitoring Solutions
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.
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.
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.
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.
CORE FEATURES OF TRANSACTION MONITORING SOFTWARE
Powering AML Transaction Monitoring Software 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.
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.
Single API, Seamless Integration
Build fully customisable 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.
Launch a native verification experience in your mobile 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.
Run Shufti within your own identical-capability infrastructure for maximum data control and privacy.
- Keep all sensitive information in-house to meet strict governance and data residency requirements.
- Keep sensitive information fully private and secure in-house.
- Deploy in highly regulated sectors without compromising compliance.
Quickly launch identity verification through a secure, customisable web link, no code required. Learn more.
- Start verifying users instantly with a no-code setup.
- Deliver a consistent identity experience via a link or embedded iframe.
- Deploy quickly via a secure link or embedded iframe.
With KYC Journey Builder, create personalised verification journeys without writing a single line of code.
- Customise your journey effortlessly with drag-and-drop functionality.
- Instantly see how your verification flow looks for your users.
- Easily connect with Hosted Verification for a consistent, branded experience.
Evidence-based AML monitoring for every regulated business
Real-World AML Risk Scenarios Monitored by AML Transaction Monitoring Tools
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.
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.
Shufti gives us verification journeys we can trust across every market we serve. The ability to route players through passive database checks, eID authentication, and full biometric liveness — all behind one API — has reshaped how we think about onboarding compliance.
Their team acts like an extension of ours. When regulators added new requirements across two European markets, Shufti’s journey builder let us adapt in days, not months.
FXBO customers demand speed without compromising AML rigour. Shufti’s eIDV fits exactly there — high-assurance verification for large deposits, invisible background checks for everything else, and one compliance trail across the board.
Integration took a single sprint. The SDK handled the full journey, so our product team stayed focused on trading features instead of building KYC screens.
As a regulated European payments platform, we need identity verification that meets eIDAS 2.0 and AMLD6 without multi-vendor stitching. Shufti delivers both — native eID authentication for high-assurance markets and docless database checks where eIDs don’t reach.
One contract, one audit log. That changes the compliance conversation entirely.
Frequently Asked Questions
What is Transaction Monitoring in AML?
Transaction monitoring is the AML compliance process of evaluating customer transactions in real time to detect suspicious activity and regulatory risk. Shufti scores every transaction across 1,600+ enriched data points and returns a Compliance Risk Score, the rules that triggered the alert, and a narrative explaining the decision. It surfaces typologies like structuring, smurfing, and mule activity.
What is the difference between transaction monitoring and transaction screening?
Transaction screening checks the parties to a transaction against sanctions and watchlists before or during processing. Transaction monitoring analyses behaviour patterns across transactions over time to detect money laundering and fraud typologies. Shufti runs both on one platform, with sanctions screening across OFAC, EU, and UN lists included inside the transaction monitoring decision.
What suspicious activity patterns does transaction monitoring detect?
Shufti detects structuring, smurfing, and mule activity through pre-built typology rules, plus coordinated activity across linked accounts through ring detection. The system flags velocity patterns, amount spikes, frequency anomalies, transactions broken below reporting thresholds, behavioural deviations from individual baselines, timezone inconsistency, and device fingerprint anomalies. Pattern detection looks beyond individual transactions to surface organised networks.
How does the unified KYC and Transaction Monitoring platform improve AML compliance?
Verified customer data flows automatically from KYC into transaction monitoring, and 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.
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.
How do VASPs and crypto businesses comply with transaction monitoring?
Crypto businesses and Virtual Asset Service Providers evaluate every transaction against 1,600+ enriched data points, including sanctions screening across OFAC, EU, and UN lists at 100% confidence, PEP and adverse media checks, FATF jurisdiction risk, and embargoed-country checks. Verified identity from KYC feeds directly into monitoring, producing one audit trail across onboarding and ongoing risk.
What industries need Transaction Monitoring Solutions?
Shufti's transaction monitoring serves regulated businesses across iGaming, Payment Service Providers (PSPs), Marketplaces, Social Networks, Banking, Crypto, Fintech, and Forex. Any sector where AML risk exists across deposits, withdrawals, transfers, payouts, or peer-to-peer activity, and where regulators expect a defensible audit trail tying verified identity to every transaction.
Which transaction types does Transaction Monitoring System monitor?
All transaction types where AML risk exists, including 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.
Does Transaction Monitoring Tool integrate with other Shufti products?
Yes. Transaction monitoring deploys alongside Document Verification, Face Verification, and AML Screening on one platform. Verified identity from KYC feeds directly into monitoring, producing one audit trail and one compliance record for regulators. Integration uses a real-time RESTful API with cloud (AWS, GCP, Azure) or on-premise deployment.
Can AML Transaction Monitoring 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.
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.