AML Transaction Monitoring

Never let a suspicious transaction slip past

Transaction fraud is on the rise, with total losses expected to exceed $48 billion in 2023. Deter financial fraud and maintain compliance with a powerful transaction monitoring tool designed for compliance and risk teams.

Boost team efficiency

Use one tool to manage the whole process, with less false positives and easier case management

Safeguard your revenue

Detect signs of fraud in real-time. Data-driven approaches help you prevent money losses

Stay AML-compliant

Connect KYC, AML, and KYB verification with transaction monitoring to detect and report any suspicious activity

Get one solution that alerts
you to all red flags

Get a complete picture of your customers’ risk profiles. Sumsub allows you to track the whole user journey, from the moment they sign up till transaction completion. This helps you make informed decisions and keep your business safe

Onboarding Orchestration

Sign Up

  • Email Risk Assessment
  • Phone Risk Assessment
  • Device Intelligence


  • ID Verification
  • Liveness and Face match
  • Address Verification
  • Live Agent Video Call
  • Doc-free Verification
  • Public Digital Identity Systems
  • NFC
  • Known Face Search
  • Blocklist Check
  • Duplicate Check


  • PEP + Sanctions
  • Adverse Media

Ongoing Monitoring


  • Device Intelligence
  • Behavioral Fraud Detection
  • Face Authentication
  • MFA


  • Device Intelligence
  • Behavioral Fraud Detection
  • Face Authentication
  • Ongoing AML Monitoring


  • AML Transaction Monitoring
  • Bank Account Verification
  • Travel Rule
  • Fraud Transaction Monitoring
  • Behavioral Fraud Detection

Works where
you work


Meet regulatory requirements and stop all types of fraud, including payment/chargeback fraud. Monitor suspicious activity with a risk-scoring approach and easily report when it’s detected


Ensure AML compliance to stop all fraud, including bank card theft. Use transaction monitoring to run bank card risk scoring for credit requests and thresholds checking


Prevent promo and deposit abuse, as well as unfair chargebacks. Detect specific fraud patterns including multi-accounting, arbitrage betting, and affiliate fraud


Stop payment fraud, including illegal chargebacks and credit card fraud. Also, your users are securely protected from account takeovers

Let the numbers do the talking: get 240% ROI

Сompanies that work with Sumsub save costs and increase revenue, according to the “Total Economic Impact™ Of Sumsub’s Verification Platform study by Forrester Consulting. Let’s see what results you can get

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    Benefits PV

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    < 6

    months payback

Rule system with no limits to detail

Sumsub provides pre-set rules for a wide range of scenarios, from responsible gambling to bank security. You can also create custom rules based on your own data sources, no coding required, and test them in dry-run mode using both historical and live data before implementation

AI-powered suspicious pattern detection

Sumsub’s AI actively uses pattern analysis that goes far beyond the industry-standard screening parameters. This uncovers even the most well-hidden money laundering schemes and criminal groups

Increased team productivity

One flow for checks means easier case management, more collaboration between departments, plus transparent KPIs and reporting. All this helps maximize case processing speed, giving you more time to focus on the things that really matter

Integrate via API with expert assistance

Sumsub’s solution architects will customize the rules for you based on your requirements. If you prefer to adapt things on your own, enjoy our no-code visual interface and 24/7 support

Don’t take our word for it.

Ekaterina Chaika
Ekaterina Chaika

Analyst and Head of Security, Anytime

It’s essential for us to not only have the ability to control the whole onboarding process but also to understand its efficiency via indicators. With Sumsub you can analyze data from any angle. The analytics settings are very flexible. As a result, we have managed to reduce the average verification time by 100% and cut costs by 50%.

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  • What is AML transaction monitoring?

    AML transaction monitoring is the process of screening customer transactions for signs of money laundering activity. This process involves the assessment of current and historical customer data, including transfers, withdrawals, and deposits, for discrepancies. Suspicious activity involves income from undeclared sources, the use of false social security numbers, and a large number of transactions under $10,000, among others.

  • How is transaction monitoring performed?

    Transaction monitoring is performed by identifying suspicious events either in the customer’s financial history or in actions they are about to take. Every financial institution tasked with transaction monitoring has a set of rules, based on which suspicious or illegal activity is flagged for review. In some cases, this activity can be automatically prevented—such as transferring a large sum of money without providing a source of funds statement first. This process is done most efficiently with the help of AML transaction monitoring software.

  • What is a transaction monitoring system?

    It’s a financial transaction monitoring tool that helps detect suspicious activity with an easy-to-use KYT (know your transaction) solution. There are different automated transaction monitoring systems available on the market. They can use a variety of techniques to detect and report suspicious actions, e.g as irregular transaction patterns, or inconsistency between declared income and spending.

  • What is suspicious activity monitoring?

    Suspicious activity monitoring is the process of identifying possible illegal transactions or fraud. This is done both automatically and manually by inspecting individual cases, fraud signals, and establishing connections that could indicate fraudulent activity. This is a necessary monitoring activity that must be carried out for both KYT compliance and risk management.

  • Why is transaction monitoring important?

    Businesses need to be able to access information about complex or suspicious transactions and the related sources of funds. Otherwise, there is a risk of fines, penalties, and even license revocation. In 2021, Standard Chartered was fined $40 mln. for deficiencies in its compliance program, specifically transaction monitoring. Thus, firms must be able to protect themselves from becoming platforms for money laundering and other financial crimes by screening suspicious and contradicting information.

  • What is transaction monitoring in KYC?

    Transaction monitoring in KYC allows detecting signs of suspicious user activity, such as money laundering, terrorist financing, fraud, identity theft, and more. In general, companies need to ensure that user transactions are consistent with their knowledge of the customer received during Know Your Customer (KYC) procedure. Transaction monitoring is required by any business that falls under AML regulations and deals with customer transactions. This mainly includes financial institutions such as banks, fintech companies, money services and more.