AML Transaction Monitoring System

Simplify compliance with AML transaction monitoring

AI-powered AML Transaction Monitoring that streamlines audits by 90% and delivers a 272% ROI — as verified by Forrester Consulting.
AML Transaction Monitoring System

Proven economic impact

“Sumsub’s transaction monitoring is very valuable. It provides us with real-time visibility into high-risk and suspicious transactions, which enables us to stay compliant.”<br/><br/>— Financial Crime Team Leader, Fintech (Forrester TEI Study, 2025)

272%
Return on investment (ROI) 272%
33%
33% faster investigations
90%
90% less time spent on audit preparation
<6
months payback period

Minimize risk and adapt
to evolving regulations

Avoid fines by meeting AML regulations
Dynamic tools flag and block suspicious activity to detect and prevent financial crimes. By adapting to evolving AML regulations, you’re always kept compliant.
Reduce false positives and workload
Cut manual reviews by 90% for false positives with advanced automation and intelligent anomaly detection to process legitimate transactions automatically.
Precise investigations with analytics
Make faster, more informed investigations with detailed transaction and event data, network visualization, and risk scoring.
Automate regulatory compliance
Build FIU reports as per the goAML format with minimal manual intervention and effortless auditing. Provide clear audit trails for regulators, mitigating fines.

AML Transaction Monitoring
System features

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Rule bundles for every scenario

Flag suspicious transactions with rules for every Transaction Monitoring application.
    Ready-to-use rule bundles
    Discover 300+ pre-built rules customized for different industries like fintech, traditional finance, crypto, e-commerce, and iGaming. Create unlimited custom rules using your own data sources, with no coding required, and test them in dry-run mode for seamless integration.
    AI-driven human language rule builder
    Rule builder with auto-complete
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    Harness the power of AI

    Sumsub's Transaction Monitoring solution integrates AI and ML at every critical stage.
      AI-driven anomaly detection
      Our AI continually enhances pattern analysis, uncovering fraud and money laundering beyond standard screening parameters, even from elite criminal practices.
      Payment reference screening with AI
      AI-powered event and Transaction Monitoring
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      Case management, analytics, and reporting in one place

      Optimize compliance performance and cross-team collaboration with one unified solution.
        Streamline investigations and accelerate team performance
        Centralize every alert, document, and data point in a single workspace designed for fast, accurate decision-making. Sumsub’s Case Management system automates repetitive tasks, simplifies collaboration, and provides full traceability — helping your team work smarter, resolve cases faster, and stay fully compliant.
        Improve analytical overviews
        Streamline FIU report generation

        How much could you be
        saving with Sumsub?

        ROI calculator
        How many transactions does your organization process per month?
        5,000More 10,000,000
        100,000
        What is your industry?
        How many users do you serve per year?
        How many analysts work on AML cases?
        What is the average transaction value ($)?
        How the calculator works
        This calculator is tailored for the Sumsub Fraud Risk Management solution, offering an estimated range of potential savings your company could achieve. The calculations incorporate industry average data (e.g., average analyst salary) as of December 2024. Results will vary depending on your unique use case. Schedule a demo below to explore your specific needs with one of our expert team members.
        Results
        Total Annual Savings
        0
        ROI
        0%
        How Sumsub’s
        AML Transaction
        Monitoring tool works
        • User Verification & Screening
          Beyond standard KYC, identity checks adapt to transaction patterns.
        • Risk Evaluation & Ongoing Monitoring
          Real-time scoring adjusts risk levels based on transactions and user activity.
        • Alerts & Case Creation
          Suspicious activity triggers automatic alerts and workflows for timely reviews.
        • Investigation & Reporting
          Investigatory actions, evidence collection, and decisions are thoroughly recorded.

        Don’t take our word for it.
        Here’s what our clients have to say

        • The platforms we had before worked fine at an individual level, but they didn’t work well from a holistic risk management and efficiency point of view. I needed a helicopter view of what was happening, and I simply could not get that from the setup we had.
          Chet Shah
          Chet Shah
          Global Chief Risk & Compliance Office at Wirex
        • We currently use User Verification and Transaction Monitoring products, and we are happy with both of them. It’s really great that these products contain a lot of features that can cover all the requirements for a high-quality check, and even better that new features are being added all the time. We also use some events to trigger additional checks when it’s necessary.
          Olena Fedorova
          Olena Fedorova
          Compliance Team Lead at TRASTRA
        • Thanks to Sumsub's Transaction Monitoring solution and Video Identification feature we optimised our false declines and increased conversion by 30%.
          Andrei Ialama
          Andrei Ialama
          COO at Paybis
        • The platform’s workflow functionality provided a flexible framework that addressed our current needs while instilling confidence that it could adapt to future requirements. Sumsub’s customizable checks with bespoke rules and ongoing monitoring allowed us to manage costs effectively, tailoring checks to the specific risks while meeting legal requirements across different jurisdictions.
          Steve Jablonski
          Steve Jablonski
          Vice President of Information Security at TELUS Digital
        • Sumsub has demonstrated a strong willingness to listen to our needs, actively evolve their solution, and respond to feedback by implementing improvements quickly. We look forward to continuing and strengthening this collaborative relationship in the future.
          Mike Kayamori
          Mike Kayamori
          CEO at ORO Bank, Sumsub and Finastra’s first mutual partner
        • We chose Sumsub because of their broad product offering and their focus on user experience. They’re constantly innovating to make the process smoother and reduce friction for our customers, which was exactly what we were looking for. We’re using Sumsub’s Transaction Monitoring, and it provides us with industry-standard risk scoring across our transactions.
          James O’Neill
          James O’Neill
          Head of Legal & Compliance at Blueberry

        Award-winning AML Transaction Monitoring to keep your business compliant and future-ready

        • Leading Vendor of AML Transaction Monitoring

          Leading Vendor of AML Transaction Monitoring

          Liminal named Sumsub as a Leading Vendor of AML Transaction Monitoring

        • Top Global Technology Provider

          Top Global Technology Provider

          Sumsub recognized as one of the top 20 global technology providers of the Financial Crime and Compliance50 (FCC50) report by Chartis

        • A Leader in Fraud Detection & Anti-Money Laundering

          A Leader in Fraud Detection & Anti-Money Laundering

          G2 2024 Identity Verification Winter Report

        • Overall Leader

          Overall Leader

          Sumsub’s Fraud Prevention is recognized as an Overall Leader by KuppingerCole Analysts

        FAQ

        • How to monitor transactions in AML?

          A transaction monitoring software or transaction monitoring system can be used to effectively monitor transactions in anti-money laundering. These automated systems analyze user activity and transactions to detect suspicious patterns or anomalies that could indicate fraudulent behavior and criminal activity. This can include the transaction amount, the geolocation, device use, frequency, or structuring of payments to avoid detection. It’s crucial that businesses conduct transaction monitoring to identify suspicious activity, risky activity and stay compliant with AML regulations. Failure to do so can result in fines, penalties, and reputational damage.

        • What systems are used in transaction monitoring?

          Key components in a transaction monitoring system include risk scoring and evaluation, AI and machine learning to quickly detect anomalies and complex patterns, alert generation and investigation if the suspicious activity is identified and reporting capabilities to support the filing of SARs/STRs.

        • What is the best transaction monitoring software?

          The best transaction monitoring software will utilize AI and machine learning to detect suspicious activity or transactions effectively. To stay compliant, this software will need to have real-time monitoring and support accurate and timely filing of SARs, as well as clear audit trails for regulators.

        • How to choose a transaction monitoring tool?

          Important considerations when selecting a transaction monitoring tool include evaluating the features the tool offers that will help you stay compliant, the level of flexibility offered and using automation to reduce the compliance team’s manual workload. The chosen software should be equipped with AI and machine learning to support accuracy and automation, rules bundles tailored to varying industries’ needs, data integration with a singular platform for a holistic view, and scalability so even millions of transactions can be easily monitored. It should also offer both pre-transaction screening to prevent suspicious activity before it occurs and post-transaction monitoring to detect anomalies and ensure ongoing compliance.