# Programs ## Tangos Risk & Compliance Programs Tangos runs your risk and compliance programs. Investigations run, cases are resolved, evidence is built. Your statutory accountability, your enterprise risk assessment, your policy authorship, and your independent audit stay with you, where the regulator requires them. Other platforms detect, screen, score, and route. A Tangos program resolves the investigation and evidences it. Continuous alert programs Periodic review programs Pre-decision programs Incident response programs Enforcement programs Surveillance programs ## Continuous alert programs Every alert from your TM, screening or onboarding system is resolved as a SAR-ready case. PSP Financial Crime Program + × ##### An enforcement-grade program for CTF units and national-security finance teams. This program runs your AML, sanctions and EDD operation. Every TM alert, every screening hit, every EDD trigger is resolved end to end, with a SAR-ready file. Configured to your jurisdictions, your TM stack and your alert mix. Your BSA Officer or MLRO stays accountable. ###### What we investigate - NAML L2/L3 alerts from your TM system. Entity resolution, UBO trace, adverse media, transaction pattern, narrative. - Sanctions hits against OFAC SDN, EU Consolidated and UN lists. True hit vs. false positive, documented decision. - Outbound payout screening, run within the real-time SLA your rail requires. - Enhanced due diligence on high-risk merchants, PEPs and high-risk-jurisdiction customers. ###### What's special Built to comply with western regulations including the EU Instant Payments Regulation (Reg 2024/886, Article 5d). Real-time payout sanctions adjudication where SEPA Instant scope applies. Digital Bank Financial Crime Program + × ##### A financial crime program for neobanks and challenger banks. This program runs your AML, sanctions and fraud operation across the digital-only book. Every onboarding alert, TM alert, screening hit and app-side fraud signal is resolved end to end. Configured to your KYC stack, your transaction monitor and your fraud signals. Your MLRO stays accountable. ###### What we investigate - Onboarding alerts: synthetic-identity, document and connection evidence. - TM alerts on the consumer and SMB book. SAR-ready file per alert. - Sanctions hit adjudication against OFAC, EU and UK lists. - Mule and APP-fraud cases. External-connection evidence and law-enforcement referral package. ###### What's special App-side and device signals enter the same case file your MLRO and your regulator already expect. Commercial Payments Compliance Program + × ##### An AML, sanctions and EDD program for acquirers and B2B payment platforms. This program runs your financial crime operation on the merchant book. Every TM alert and screening hit is resolved end to end, with a SAR-ready file. Configured to your merchant population and your corridor mix. Your BSA Officer stays accountable. ###### What we investigate - TM alerts on the merchant book: merchant, payment-pattern and counterparty evidence. - Sanctions hit adjudication on inbound and outbound flows. - Beneficial-owner re-verification on high-risk merchants at periodic and event triggers. - Trade-based ML overlay where your corridor mix carries it. Marketplace Financial Integrity Program + × ##### An AML, sanctions and seller-integrity program for marketplaces and platform economies. This program runs the financial crime and integrity operation across the seller, buyer and payout flow. Every alert is resolved end to end, with a SAR-ready file. Configured to your seller verification, your payout system and your dispute flow. Your accountable officer stays accountable. ###### What we investigate - Seller TM alerts: seller-identity, payout-pattern and connection evidence. - Payout sanctions adjudication on cross-border seller payouts. - Collusion, bust-out and circular-flow cases. Link analysis resolves the network. - Mule-ring case resolution across the seller and buyer book. Gig Economy AML Program + × ##### An AML and payroll-integrity program for gig platforms and worker-payout businesses. This program runs the financial crime operation across worker onboarding and the payout flow. Every alert is resolved end to end, with worker-side and counterparty evidence. Configured to your worker onboarding model and your payout rail. Your Compliance Officer stays accountable. ###### What we investigate - Worker onboarding alerts: identity, document and registry evidence. - Payout TM alerts: payout-pattern and counterparty evidence. - Sanctions hit adjudication on worker and beneficiary payouts. - 1099 and payroll-fraud overlay. Subject resolved, referral package produced where required. iGaming Compliance Program + × ##### An AML and integrity program for online gaming and iGaming operators. This program runs the financial crime operation across the cashier, the VIP book and the bonus economy. Every cashout and bonus-abuse alert is resolved end to end, with a SAR-ready file. Configured to your cashier flow, your jurisdictions and your VIP program. Your MLRO stays accountable. ###### What we investigate - Cashout TM alerts: deposit-to-cashout chain evidence. - VIP and PEP EDD on the high-roller book. - Bonus-abuse and collusion cases: device, account and payment evidence. - Sanctions hit adjudication on deposits and payouts. Sports Betting AML Program + × ##### An AML and integrity program for sports betting operators. This program runs the financial crime operation across the cashout line and the match-related risk surface. Every alert is resolved end to end, with a SAR-ready file. Configured to your bookmaking flow and your jurisdictions. Your MLRO stays accountable. ###### What we investigate - Cashout TM alerts: bet, deposit and cashout evidence. - Match-related anomaly cases: bet-pattern and external-connection evidence. - VIP and PEP EDD on the high-stakes book. - Sanctions hit adjudication on deposits and payouts. BNPL Risk & Compliance Program + × ##### A fraud, AML and consumer-credit risk program for BNPL providers. This program runs the risk operation across the consumer book and the merchant book. Every alert is resolved end to end, into one case file that holds credit-fraud and AML evidence together. Configured to your underwriting model and your merchant population. Your Compliance Officer stays accountable. ###### What we investigate - BNPL fraud-ring cases: device, identity and merchant evidence. - Merchant TM alerts: merchant-side and payout-side evidence. - Synthetic-identity cases: document and connection evidence. - Sanctions hit adjudication on consumer and merchant payouts. ###### What's special The CFPB and FinCEN overlap BNPL carries closes in one file, not two. Crowdfunding & Alt-Finance Program + × ##### A compliance program for crowdfunding platforms and alt-finance providers. This program runs the compliance operation across campaign onboarding, investor screening and the payout rail. Every alert is resolved end to end, into a case file. Configured to your campaign and investor populations and your payout flow. Your Compliance Officer stays accountable. ###### What we investigate - Campaign onboarding cases: promoter, counterparty and registry evidence. - Investor sanctions adjudication. - Diversion and self-dealing cases on funded campaigns: payout and counterparty evidence. - TM alerts on platform flows. ###### What's special The case file format meets U.S. Reg CF and Reg A alongside FCA crowdfunding rules from one program. Money Services Compliance Program + × ##### An AML and sanctions program for MTOs and remittance providers. This program runs the financial crime operation across corridors, the agent network and the consumer flow. Every alert is resolved end to end, with a SAR-ready file. Configured to your corridor mix, your agent population and your TM. Your MLRO stays accountable. ###### What we investigate - Agent and consumer TM alerts: corridor, agent and counterparty evidence. - Corridor structuring cases: cross-agent pattern evidence. - Sanctions hit adjudication on senders and receivers. - Cross-border EDD on high-risk counterparties. ###### What's special State MT licenses, FinCEN registration scope and FCA payment-institution scope all configure into the same program. Trade-Based Money Laundering Program + × ##### A TBML program for trade-finance banks and acquirers with B2B trade flow. This program runs the TBML investigation operation across documents, counterparties and patterns. Every alert is resolved end to end, with document, counterparty and pattern evidence. Configured to your trade documents, your corridor mix and your customer book. Your accountable officer stays accountable. ###### What we investigate - Trade-document anomaly cases: invoice, BoL and shipment evidence. - Counterparty UBO and ownership-chain trace. - TM pattern cases: over/under-invoicing, phantom shipment, multiple invoicing. - Sanctions and dual-use overlay on trade flows. ## Periodic review programs Every periodic and trigger-driven counterparty review resolves into a defensible EDD package. Correspondent Banking & Respondent Risk Program + × ##### A periodic and event-driven EDD program for correspondent and clearing banks. This program runs the respondent EDD operation across periodic cycles and event triggers. Every review is resolved end to end, into a defensible EDD package. Configured to your respondent book, your risk tiering and your review cadence. Your MLRO stays accountable. ###### What we investigate - Periodic respondent EDD per your risk-tier model. - Event-driven re-review on adverse media, sanctions or regime change. - Wolfsberg questionnaire reconciliation against open-source and registry evidence. - Sanctions and PEP overlay on respondent UBOs and controllers. ###### What's special One package satisfies FinCEN §312 and the Wolfsberg questionnaire from the same investigation. Wealth & Private Banking EDD Program + × ##### A periodic and trigger-driven EDD program for private banks and wealth managers. This program runs the client EDD operation across booking centers and the review cycle. Every periodic and trigger review is resolved end to end, into a defensible EDD package. Configured to your client tiering, your source-of-wealth standard and your booking centers. Your MLRO stays accountable. ###### What we investigate - Periodic client EDD per risk tier. - Source-of-wealth verification: open-source, registry and tax evidence. - PEP and adverse-media resolution on principals, family and known associates. - Cross-booking-center review on multi-jurisdictional structures. ###### What's special The same file format passes CH, SG, HK, UK and US booking-center expectations. ## Pre-decision programs Every new counterparty, transaction or senior appointment resolves into a DD decision file. Third-Party Due Diligence Program + × ##### A pre-decision TPDD program for multinationals, regulated procurement and financial institutions. This program runs the third-party DD operation across new engagements, renewals and triggered re-reviews. Every counterparty is resolved end to end, into a DD decision file. Configured to your third-party tiering, your sanctions and ABC overlay and your refresh cycle. Your CCO stays accountable. ###### What we investigate - Tiered third-party DD: identity, UBO, ownership chain, registry evidence. - Sanctions and ABC overlay: 50%-rule trace, government-official connections. - Renewal and trigger re-review on adverse media, sanctions, regime change. - Procurement supplier and vendor DD, in the same file format. ###### What's special One DD file format covers third parties, suppliers and vendors. No second program needed for procurement. Anti-Bribery & Corruption Investigation Program + × ##### An ABC investigation program for multinationals and regulated industries. This program runs the ABC investigation operation across allegations, audit findings and DOJ-priority triggers. Every matter is resolved end to end, into an investigation file. Configured to your jurisdictions, your sales channels and your high-risk markets. Your CCO stays accountable. ###### What we investigate - Allegation triage and resolution: witness, document and counterparty evidence. - Government-official connection trace through registries and ownership chains. - Distributor and agent investigation: payment patterns, commission structures, sub-agent networks. - Third-country-nexus closure (the passthrough-entity question). ###### What's special Built for the DOJ 2025-2026 Mexico-cartel-TCO enforcement priority. The FCPA and cartel-overlay evidence bar both close from one investigation. Trade Controls & Export Compliance Program + × ##### A pre-decision trade-controls and export-compliance program for exporters, defense and dual-use technology firms. This program runs the trade-controls DD operation across orders, end-users and license questions. Every matter is resolved end to end, into a decision file. Configured to your product classifications, your customer markets and your end-use risk. Your Trade Compliance Officer stays accountable. ###### What we investigate - End-user and end-use DD on every new customer and reshipment chain. - ITAR and EAR classification review and license-determination support. - Diversion-risk cases: shipping, intermediary and end-user evidence. - Restricted-party resolution on the customer and the routing chain. ###### What's special One program covers EAR, ITAR and EU dual-use from a single configuration. ITAR Consent Agreement obligations are in scope. Energy & Extractives Compliance Program + × ##### A pre-decision compliance program for oil and gas, mining and commodities trading. This program runs the counterparty and shipment DD operation across the trading book. Every matter is resolved end to end, into a DD decision file. Configured to your trading book, your counterparty population and your jurisdictions. Your CCO stays accountable. ###### What we investigate - Counterparty DD with 50%-rule and ultimate-beneficial-owner trace. - Sectoral-sanctions overlay on every counterparty and cargo. - Shipment and cargo overlay: vessel, route, BoL and discharge-port evidence. - Mining and extractives DD on operators, off-takers and licensing chains. ###### What's special The OFAC 50%-rule plus Russia, Iran and Venezuela sectoral overlay close in one investigation. Pharma & Life Sciences Compliance Program + × ##### A pre-decision compliance program for pharma, medical devices and biotech. This program runs the commercial-compliance DD operation across HCPs, distributors and patient programs. Every matter is resolved end to end, into a DD decision file. Configured to your commercial channels, your patient-program portfolio and your markets. Your CCO stays accountable. ###### What we investigate - HCP and KOL DD: affiliations, government-employment status, aggregate-spend reconciliation. - Distributor and wholesaler DD: ownership, end-customer chain, sanctions overlay. - Patient-assistance program DD: foundation governance, payor-relationship review. - Anti-kickback and Sunshine Act exposure on commercial arrangements. Key Personnel Due Diligence Program + × ##### A pre-hire and senior-appointment DD program for executive search, boards and regulated hiring. This program runs the senior-personnel DD operation across candidates, appointees and existing role-holders. Every matter is resolved end to end, into a DD decision file. Configured to your role tiering, your jurisdictional reach and your sign-off model. Your General Counsel stays accountable. ###### What we investigate - Senior-hire background DD: employment, education, regulatory and litigation history. - Adverse-media synthesis: press, regulator publications, litigation indices. - Sanctions and PEP screening on the candidate and their immediate network. - Reputational risk resolution: directorships, board affiliations, prior enforcement matters. ###### What's special One DD file passes the FCA SMCR senior-manager standard and the SEC Form ADV disclosable-event standard. Executive Due Diligence Program + × ##### A pre-decision DD program for PE, VC and institutional investors. This program runs the fund and executive DD operation across GP, LP and portfolio-company decisions. Every matter is resolved end to end, into a DD decision file. Configured to your fund DD playbook, your portfolio overlap and your jurisdictions. Your General Counsel stays accountable. ###### What we investigate - GP and LP background DD: track record, regulatory history, litigation exposure. - Affiliated-entity trace per SEC Form ADV Items 7.B.1 and 10. - Portfolio-company executive DD on operating partners and named executives. - LPA-conflict reconciliation against fund terms. ###### What's special Built to SEC IAA and Form ADV evidence standards. GP DD, LP DD and portfolio-executive DD all close in the same file format. Legal Investigations Program + × ##### An investigation program for law firms, litigation funders and corporate legal teams. This program runs the investigation operation across counterparties, witnesses and asset chains. Every matter is resolved end to end, into an investigation file. Configured to your matter type, your jurisdictions and your privilege model. Your General Counsel stays accountable. ###### What we investigate - Asset-trace investigation: registries, court records, corporate filings. - Counterparty and witness DD: adverse media, litigation, registry evidence. - Cross-border evidence collection in line with applicable discovery rules. - Adverse-media resolution on parties and named individuals. ###### What's special The program runs under a privilege-aware evidence standard. Work-product, attorney-client and litigation-privilege scope is set at onboarding. Real Estate AML Program + × ##### A compliance program for real-estate brokers, title agents, escrow and CRE lenders. This program runs the real-estate AML operation across reportable transactions, high-risk counterparties and source-of-funds questions. Every matter is resolved end to end, into a DD decision file. Configured to your transaction types, your covered jurisdictions and your title-and-escrow flow. Your Compliance Officer stays accountable. ###### What we investigate - Beneficial-owner trace on buyer entities, shell structures and trusts. - GTO and FinCEN Residential Real Estate Rule filing preparation. - Source-of-funds DD on the buyer and the funding chain. - PEP and sanctions overlay on parties and beneficial owners. ###### What's special One program covers both the FinCEN Residential Real Estate Rule and the GTO filing pathway. ESG Integrity Program + × ##### A pre-decision ESG and sustainable-finance DD program. This program runs the ESG investigation operation across counterparties, controversies and disclosure claims. Every matter is resolved end to end, into a DD file. Configured to your taxonomy, your investee universe and your disclosure cycle. Your accountable officer stays accountable. ###### What we investigate - Counterparty ESG DD: operations, sourcing, disclosure. - Controversy and adverse-media resolution across ESG-relevant sources. - Greenwashing-risk investigation on marketing and disclosure claims. - Taxonomy-alignment evidence per applicable framework. ###### What's special One DD file aligns with EU SFDR, EU CSRD, the SEC climate-disclosure framework and ISSB. ## Incident response programs Every regulator, customs or external-event trigger resolves into a response package. Shipping & Cargo Compliance Program + × ##### An incident-response program for shipping lines, freight forwarders, ports and commodity traders. This program runs the cargo and sanctions response operation across dark-fleet, BoL and port-incident triggers. Every matter is resolved end to end, into a response package. Configured to your fleet, your trade lanes and your charterer book. Your accountable officer stays accountable. ###### What we investigate - Dark-fleet and shadow-fleet vessel cases: AIS, port-call, ownership and STS-transfer evidence. - BoL and STS-transfer review on flagged cargo movements. - Cargo-detention response packages for port authorities and customs. - OFAC voluntary self-disclosure preparation. ###### What's special Built for the Iran shadow-fleet 180+ vessel designation landscape (Dec 2025, Feb 2026 additions). The response file meets the OFAC VSD evidence bar. Insider Risk Investigation Program + × ##### An incident-response program for enterprises with DLP and insider-risk programs. This program runs the insider-risk investigation operation across DLP-flagged subjects, suspicious access patterns and undeclared affiliations. Every matter is resolved end to end, into an investigation file. Configured to your DLP signals, your data classification and your HR escalation model. Your accountable officer stays accountable. ###### What we investigate - DLP-flagged subject investigation: data movement, access pattern, device signal. - External-connection and beneficial-interest trace (competitor, foreign state, undeclared affiliation). - Communication-pattern overlay across in-scope channels. - HR and legal escalation packaging where the case requires referral. Supply Chain Forced Labor Program + × ##### An incident-response program for importers, brand owners and regulated buyers. This program runs the forced-labor response operation across CBP detentions, supplier allegations and tier-tracing requests. Every matter is resolved end to end, into a response package. Configured to your supplier tiering, your import lanes and your tracing depth. Your Trade Compliance Officer stays accountable. ###### What we investigate - UFLPA rebuttable-presumption responses: documentary, supplier and tracing evidence. - Supplier-tier tracing back to raw-material origin. - Forced-labor allegation resolution: supplier, region and adverse-source evidence. - CBP detention response packaging. ###### What's special One response file passes CBP UFLPA, the EU Forced Labour Regulation and the UK Modern Slavery Act. ## Enforcement programs Every assigned case resolves into an enforcement-grade case file. Financial Intelligence Program + × ##### An enforcement-grade case program for FIUs, law enforcement and public-sector financial crime units. This program runs the case investigation operation across assigned matters, cross-border evidence chains and network reconstructions. Every case is resolved end to end, into an enforcement-grade case file. Configured to your case mix, your jurisdictional partners and your evidence standards. Your investigations director stays accountable. ###### What we investigate - Case-assigned investigations: subject, network and transaction evidence. - Cross-border evidence collection via MLAT and partner-agency channels. - Network and link analysis across subjects, entities and accounts. - Court-grade case-file production with chain-of-custody and methodology layers. ###### What's special The case file format meets prosecutorial standards in the U.S., UK and EU member-state regimes. Tax Fraud Investigation Program + × ##### An enforcement-grade case program for tax authorities and criminal-tax units. This program runs the criminal-tax investigation operation across assigned cases, asset reconstructions and cross-border evidence chains. Every case is resolved end to end, into an investigation file. Configured to your case mix, your data partnerships and your evidence model. Your investigations director stays accountable. ###### What we investigate - Income and asset reconstruction across bank, registry and counterparty data. - Counterparty and shell-entity trace through ownership chains. - Cross-border evidence collection on offshore structures and accounts. - Court-grade narrative with timeline and evidence index. ###### What's special One file format works to IRS-CI and HMRC FIS standards, with OECD JITSIC cooperation in scope. Sanctions Enforcement Program + × ##### An enforcement program for OFAC and equivalent enforcement units and regulators with sanctions remit. This program runs the sanctions enforcement operation across assigned matters, evasion-typology investigations and 50%-rule traces. Every case is resolved end to end, into an enforcement-grade case file. Configured to your enforcement priorities, your cross-agency partners and your evidence model. Your accountable officer stays accountable. ###### What we investigate - 50%-rule ownership trace through entity layers. - Evasion-typology investigation: front companies, intermediary banks, shadow-fleet routes. - Cross-border evidence collection from public registries, leaked data and partner agencies. - VSD and penalty-prep packaging to OFAC enforcement standards. ###### What's special The case file meets the OFAC and OFSI enforcement bar. The same file supports both enforcement action and designation referral. Trade Enforcement Program + × ##### An enforcement program for customs and export-control enforcement units. This program runs the trade-enforcement investigation operation across diversion networks, end-user reconstructions and cross-jurisdictional matters. Every case is resolved end to end, into an enforcement-grade case file. Configured to your enforcement priorities, your inspection model and your evidence standards. Your accountable officer stays accountable. ###### What we investigate - Diversion-network investigation across exporters, intermediaries and end-users. - End-user reconstruction: shipping, payment and corporate-records evidence. - Cross-jurisdictional evidence collection through partner customs and export-control agencies. - Penalty-prep packaging to BIS, DDTC and CBP enforcement standards. Counter-Terrorism Financing Program + × ##### An enforcement-grade program for CTF units and national-security finance teams. This program runs the CTF investigation operation across networks, facilitators and designation candidates. Every case is resolved end to end, into an enforcement-grade case file. Configured to your case mix, your partner agencies and your evidence model. Your accountable officer stays accountable. ###### What we investigate - Network and facilitator investigation across subjects, entities and accounts. - Charity and NGO trace where the flow passes a non-profit chain. - Cross-border evidence collection through partner-agency and UN-channel sources. - Designation-package preparation to OFAC SDGT and UN 1267 standards. ###### What's special The case file supports OFAC SDGT and UN 1267 designation listings directly. Healthcare Payment Integrity Program + × ##### An enforcement-grade program for government payers and Medicare and Medicaid integrity contractors. This program runs the payment-integrity investigation operation across assigned matters, provider-billing patterns and affiliated-entity traces. Every case is resolved end to end, into an investigation file. Configured to your provider universe, your data partnerships and your audit model. Your Director of Program Integrity stays accountable. ###### What we investigate - Provider-billing pattern investigation across claims, services and beneficiaries. - Beneficiary-harm resolution on patient-facing fraud, abuse and neglect. - Affiliated-entity trace on owners, billing intermediaries and shell-billing structures. - Audit and recovery-prep packaging to CMS, OIG and DOJ Healthcare Fraud standards. ## Surveillance programs Every surveillance alert resolves into a documented investigation file. Market Abuse & Insider Trading Program + × ##### A surveillance-closure program for broker-dealers, asset managers and exchanges. This program runs the surveillance investigation operation across trade, order and communication alerts. Every alert is resolved end to end, into a documented investigation file. Configured to your surveillance system, your books and venues and your insider-list governance. Your accountable officer stays accountable. ###### What we investigate - Surveillance alerts on trade, order, communication and cross-market patterns. - Insider-list reconciliation against trading activity. - External-connection and tipper-tippee trace through relationship and communication evidence. - STOR and SAR packaging to MAR and FinCEN standards. ###### What's special One file format passes EU MAR Article 16 STOR, FINRA and SEC surveillance expectations. Elder Financial Protection Program + × ##### A surveillance-closure program for retail banks, brokerages and wealth managers. This program runs the elder-protection investigation operation across flagged subjects, coercion indicators and APS referral candidates. Every flagged subject is resolved end to end, into an investigation file. Configured to your customer protections, your alerting model and your APS referral path. Your accountable officer stays accountable. ###### What we investigate - Subject and connection investigation on the flagged customer and their counterparties. - Coercion and undue-influence overlay through communication, transaction and access pattern. - APS and law-enforcement referral packaging. - SAR-EFE filing preparation under the FinCEN advisory. ###### What's special One file covers the FinCEN SAR-EFE pathway and the FINRA Rule 2165 trusted-contact and hold framework.

Tangos Risk & Compliance Programs

Tangos runs your risk and compliance programs. Investigations run, cases are resolved, evidence is built. Your statutory accountability, your enterprise risk assessment, your policy authorship, and your independent audit stay with you, where the regulator requires them.

Other platforms detect, screen, score, and route. A Tangos program resolves the investigation end-to-end.

Continuous alert programs

Every alert from your TM, screening or onboarding system is resolved as a SAR-ready case.

Enforcement programs

Every assigned case resolves into an enforcement-grade case file.

Incident response programs

Every regulator, customs or external-event trigger resolves into a response package.

Periodic review programs

Every periodic and trigger-driven counterparty review resolves into a defensible EDD package.

Pre-decision programs

Every new counterparty, transaction or senior appointment resolves into a DD decision file.

Surveillance programs

Every surveillance alert resolves into a documented investigation file.

See a real
case resolved.

Five to ten of your historical cases.
Zero production access.
Direct comparison against your manual workflow.