AML Transaction Tracking
On-chain analytics, real-time risk scoring and regulator-ready reporting to keep transactions clean and auditable.
Overview
Virtual Vision's AML Transaction Tracking solution delivers continuous, real-time monitoring of every financial transaction across your entire institution, surfacing suspicious patterns before they become regulatory liabilities. Powered by adaptive machine learning models trained on global typologies, it cuts through noise to flag genuine threats while dramatically reducing false positives. Compliance teams gain a unified audit trail, automated SAR-ready case files, and the confidence to satisfy examiners from FinCEN, FATF, and local regulators alike.
What's included
- On-chain transaction analytics
- Real-time risk scoring
- Sanctions & watchlist screening
- Case management & alerts
- Regulatory reporting
- Multi-chain coverage
- 97%
- Reduction in false-positive alerts versus rules-only engines
- <800ms
- End-to-end alert generation latency per transaction
- 80+
- Pre-built FATF typology detection models included out of the box
Built with the features that matter
Real-Time Transaction Monitoring
Screen every payment, wire, and digital asset transfer against configurable rule sets and ML-driven risk scores with sub-second latency. Alerts are triaged automatically so analysts focus only on the highest-priority cases.
Adaptive Typology Detection
Pre-built detection models cover structuring, layering, trade-based money laundering, and over 80 other FATF-recognised typologies, with continuous retraining on emerging threat patterns. New typologies can be deployed without engineering intervention using the no-code rule builder.
Entity & Network Graph Analysis
Automatically construct relationship graphs linking accounts, beneficial owners, counterparties, and jurisdictions to expose complex layering schemes invisible to single-account views. Interactive graph visualisation lets investigators trace fund flows across dozens of hops in seconds.
Automated SAR & CTR Case Management
Generate pre-populated Suspicious Activity Report and Currency Transaction Report drafts the moment an alert is escalated, pulling in transaction data, entity profiles, and supporting evidence automatically. Built-in e-filing integration submits directly to FinCEN and equivalent national authorities.
Cross-Channel Behavioural Analytics
Correlate transaction behaviour across retail banking, correspondent accounts, crypto on-ramps, and card networks to detect coordinated abuse that spans multiple product lines. A unified customer risk score updates dynamically as new activity is ingested.
Regulator-Ready Audit Trail
Every alert, decision, override, and escalation is immutably logged with timestamps, analyst annotations, and model version metadata to satisfy examination demands and internal audit requirements. Configurable retention policies ensure records are preserved according to jurisdiction-specific data residency rules.
Common questions
How quickly can AML Transaction Tracking be integrated into our existing core banking platform?
The solution ships with pre-built connectors for major core banking systems including Temenos, Finastra, and FIS, and exposes a REST/Kafka API for custom integrations. Most institutions complete a full production deployment within 8 to 12 weeks, including model calibration against historic transaction data. Our implementation team provides dedicated support throughout onboarding to minimise disruption to live operations.
How does the system minimise false positives without missing genuine suspicious activity?
The ML engine learns your institution's specific customer behaviour baseline during a supervised calibration phase, then continuously refines thresholds using analyst feedback on closed cases. Risk scores combine rule-based signals with behavioural anomaly detection and third-party watchlist data, weighted by a proprietary confidence model that has been validated across tier-1 and community bank portfolios. You retain full control over sensitivity settings for each customer segment, channel, and jurisdiction.
Does the platform support crypto and digital asset transaction monitoring as well as traditional payments?
Yes — the platform natively ingests on-chain data from major blockchains and integrates with leading blockchain analytics providers to apply travel-rule attribution and wallet risk scoring alongside fiat transaction analysis. This gives compliance teams a single pane of glass for unified AML oversight regardless of the underlying payment rail. VASP reporting obligations under MiCA and equivalent frameworks are supported through dedicated workflow templates.
How does Virtual Vision ensure the solution keeps pace with evolving regulatory requirements?
Our regulatory intelligence team continuously monitors guidance from FinCEN, FATF, EBA, and other bodies, translating updates into rule and model releases delivered through the cloud-native platform with zero downtime upgrades. Clients receive advance notice of impactful changes alongside implementation guides and updated typology documentation. A dedicated compliance advisory service is also available for institutions navigating complex cross-border or novel product scenarios.
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