Detection got smarter. Investigation didn’t.
Real-time rails left no time to investigate.
Sanctions hits at rail speed. OFAC, EU, UK, UN — updated constantly, screened in milliseconds, investigated in human time that doesn’t exist.
Corridor risk. Cross-border remittance routes cut through high-risk jurisdictions, designated entities, and shell layers regulators expect you to track.
MSB SAR pipeline. FinCEN expectations on volume, structuring, mule networks, and human-trafficking typologies are not negotiable.
Counterparty and merchant risk. Card processors and PSPs are accountable for what moves through them, regardless of who onboarded it.
The investigation function never scaled with the rails.
Sanctions hit to closed case in minutes.
Payment companies process transactions at scale but investigate financial crime manually — creating a structural gap between the volume of obligations they carry and the capacity they have to resolve them.
What this looks like in practice:
Identity disambiguation, ownership trace, nexus analysis, adjudicated outcome: true, false, or escalate.
Corridor analysis, counterparty risk, structuring patterns, beneficiary diligence.
UBO, adverse media, transaction patterns, prohibited-goods screening, full dossier.
Counterparty institution screening, beneficiary verification, sanctioned-route detection.
Rail-speed evidence. Examiner-grade defensibility.
Sanctions reasoning, encoded.
OFAC SDN, EU consolidated, UK OFSI, UN — list logic, secondary sanctions, 50% rule, designated-entity ownership traversal.
Source-agnostic.
OSINT, premium databases, blockchain, dark web, government registries. Works alongside ComplyAdvantage, LSEG World-Check, Chainalysis, and what you've already built.
Multilingual by default.
Cross-jurisdictions and 30+ languages support, required for the corridors that matter.
Modular specialists.
Sanctions, MSB AML, TBML, merchant risk, cross-border. Configured to your authorities, your report formats.
Tangos programs for payments
See a real
case resolved.
Five to ten of your historical cases.
Zero production access.
Direct comparison against your manual workflow.