AML: Suspicious Activity Monitoring
AI-powered anti-money-laundering monitoring that detects suspicious transactions and behaviour, cuts false positives and helps analysts investigate and report faster. Partner: NICE Actimize. Customers: two leading commercial banks (full AML suite and CDDX).
Financial institutions must screen enormous transaction volumes for signs of money laundering and terrorist financing, yet rule-only systems generate large numbers of alerts that turn out not to be real risk (false positives). AML: Suspicious Activity Monitoring uses AI to find what is genuinely suspicious more accurately and makes compliance teams more productive.
Partner: NICE Actimize — Xceed AI FRAML Platform
Customers: two leading commercial banks (full AML suite and CDDX)
How it works
Ingest data
Customer and transaction data flows into the AML platform, batch and real time
Detect anomalies
Rules and AI models compare activity with normal behaviour and raise alerts
Triage alerts
AI prioritizes alerts and groups related ones into a single case
Investigate
Analysts investigate with full context and record the reasoning for each decision
Report & tune
Confirmed cases are reported to the regulator; outcomes tune rules and models
These steps are arranged from the existing content of this page.
The challenge
- Transaction volumes and real-time payment channels are growing fast
- Many rule-based alerts are false positives, wasting analyst time and risking missed real cases
- Laundering patterns change quickly, for example mule accounts and layered transfers
- Suspicious transaction reports must reach the regulator accurately and on time, with auditable evidence
Stream’s approach with NICE Actimize
- Transaction monitoring that detects suspicious patterns with rules and AI models together
- Customer due diligence (CDD/KYC) that rates and reviews customer risk continuously
- Watch-list and sanctions screening of designated persons and entities
- AI-driven alert triage that prioritizes alerts, cutting false positives so analysts focus on high-risk cases
- Case management and investigation that brings customer, transaction and relationship data together and helps draft suspicious transaction reports
- Stream’s services cover implementation, integration with core banking and data sources, tuning rules and scenarios for Thai business, and post-go-live support
Benefits
- Better detection of genuine risk with less false-positive workload
- Faster investigations, with data in one place and routine tasks automated
- Supports compliance with anti-money-laundering law, with a complete audit trail
- A global platform from NICE Actimize combined with Stream’s implementation and support experience in Thai banks
Who it is for
- Commercial banks, specialized financial institutions, securities firms, insurers and payment providers subject to AML/CFT requirements
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