{"head":{"title":"How to Build an AML and Fraud Monitoring System | OceanLab","description":"How to build an AML and fraud monitoring system: rules, scoring, alerts, cases, sanctions screening, reporting deadlines, compliance and cost drivers.","canonical":"https://oceanlab.in/build/aml-fraud-monitoring"},"slug":"aml-fraud-monitoring","featured":[{"meta":{"slug":"plumbline","industry":"regtech","projectType":"AML transaction monitoring","country":"us","tags":["fintech","enterprise"],"compliances":["Bank Secrecy Act","FinCEN SAR and CTR rules","SAR confidentiality (31 U.S.C. 5318(g)(2))","Anti-structuring (31 U.S.C. 5324)","FinCEN CDD Rule","FFIEC BSA/AML Examination Manual","Interagency third-party risk guidance (2023)","SR 26-2 / OCC Bulletin 2026-13"],"cover":{"src":"/case-studies/plumbline/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Plumbline - AML Transaction Monitoring with Alerts, Cases and SAR Deadlines in One System","description":"Designed and built a clickable AML transaction monitoring system for a US neobank and its sponsor bank: scenario alerts ranked by a transparent priority score, an investigation workspace that shows why each alert fired, real-time payment holds, and cases that count down to the SAR filing deadline.","category":"RegTech / AML Transaction Monitoring","client":"Halyard Money"}}},{"meta":{"slug":"tamis","industry":"regtech","projectType":"Sanctions & PEP screening","country":"lu","tags":["fintech","enterprise"],"compliances":["Luxembourg AML/CFT Law of 12 November 2004","CSSF Regulation 12-02","EU restrictive measures","EU AML Directive (PEPs)","EU AML Regulation 2024/1624","Transfer of Funds Regulation 2023/1113","Instant Payments Regulation 2024/886","GDPR"],"cover":{"src":"/case-studies/tamis/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Tamis - Sanctions and PEP Screening Platform with Four-Eyes Decisions","description":"Designed and built a clickable sanctions and PEP screening platform for a Luxembourg private bank and fund administrator: rescreening as soon as a list changes, a payment hold queue against currency cut-offs, side-by-side alert review with four-eyes approval, and true hit cases that track the freeze and every report to the authorities.","category":"RegTech / Sanctions & PEP Screening","client":"Banque Sauerthal S.A."}}},{"meta":{"slug":"tidemark","industry":"banking","projectType":"Fraud detection dashboard","country":"gb","tags":["fintech","enterprise"],"compliances":["PSR APP Scam Reimbursement","Bank of England CHAPS Reimbursement Rules","Payment Services Regulations 2017","FCA Consumer Duty","Proceeds of Crime Act 2002","UK GDPR","Visa and Mastercard Dispute Rules"],"cover":{"src":"/case-studies/tidemark/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Tidemark - Fraud Detection and APP Scam Reimbursement Dashboard","description":"Designed and built a clickable fraud operations workspace for a UK building society: scored payment alerts with hold deadlines, the scam conversation with the member, and APP scam reimbursement claims tracked against their business-day deadline.","category":"Banking / Fraud Operations","client":"Ashcombe Building Society"}}}]}