Instantly verify the identity of any customer — individuals or businesses — using physical documents, digital IDs, or business registration records.
✓Physical ID reader: HKID, Mainland China ID (on-chip), International Passports
✓Digital ID with live CAPTCHA liveness detection — spoof-proof
✓OCR / MRZ / ICAO 9303 extraction with automatic data validation
✓Instant validity check against official government records
✓Business Registration (BR) certificate verification for corporate clients
🪪 KYC Identity Verification
✓
OCR
✓
MRZ
⏳
Liveness
Extracted Data
Full NameCHAN TAI MANVerified
ID NumberA123456(7)Valid
Date of Birth01 Jan 1988Matched
ID ExpiryPermanentActive
Overall Result✓ IDENTITY VERIFIED
Module 02
AML/CFT/PEP Name Screening
Screen individuals and entities against global sanctions, counter-terrorism financing lists, and politically exposed persons databases — with AI-powered scoring to minimise false positives.
✓UN, US OFAC, UK HMT, EU consolidated sanctions lists
✓PEP database covering 183+ countries including family members
✓AI scoring engine reduces false positives by up to 70%
✓Configurable match thresholds — auto-match or manual review modes
🔍 AML/CFT/PEP Screening — "JOHN SMITH"
ListScoreResult
UN Consolidated List12%Clear
US OFAC SDN8%Clear
UK HMT Sanctions5%Clear
PEP — 183 Countries72%Review
EU Consolidated3%Clear
AI Risk Score
⚠ MEDIUM
Module 03
CDD & AI Adverse Media
Go beyond basic screening with deep background investigations powered by LLMs — searching 10,000+ authoritative sources instantly for adverse media, court records, and regulatory actions.
✓LLM-powered instant search — no hallucination, live data sources only
✓10,000+ official sources: regulators, courts, news archives, government portals
✓Jurisdictional depth: HK, China, UK, US, EU and 100+ countries
✓Structured report with source citations for full audit trail
✓Multi-language search: English, Traditional Chinese, Simplified Chinese, Japanese
🤖 AI Adverse Media — CDD Deep Search
10K+
Sources
0.8s
Search Time
4
Hits Found
Search Results
HKMA — Regulatory Notice
Subject named in enforcement action re: AML breach
High
SCMP — News Article
Subject mentioned in fraud investigation report
Medium
Companies Registry
Director of dissolved company — routine finding
Low
CDD RecommendationEDD Required
Module 04
Risk Assessment
Build a fully documented, regulatory-grade risk profile for every client using customisable questionnaires aligned with FATF risk-based approach guidance.
✓Industry-specific questionnaire templates (MSO, Real Estate, TCSP, Legal, etc.)
✓Configurable risk scoring thresholds: Low / Medium / High / Prohibited
✓Enhanced Due Diligence (EDD) workflow automatically triggered for high-risk
✓Risk profile versioning — track changes over the client lifecycle
✓Auto-alert when risk factors change during ongoing monitoring
📊 Risk Assessment Profile
Overall Risk Score
68
/ 100
LowMediumHighCritical
Risk Factors
Country RiskHigh
PEP ConnectionMedium
Business TypeLow
Transaction VolumeMedium
Action RequiredEDD Triggered
Module 05
Transaction Monitoring
Automatically flag suspicious transaction patterns with rules tailored to your industry — MSO threshold breaches, unusual property payment structures, and more.
✓Rules-based monitoring with industry-specific rule sets (MSO, TCSP, Real Estate)
✓Cash threshold monitoring aligned with AMLO/FATF reporting requirements
✓Structuring detection: identify transaction splitting to avoid thresholds
✓Automated alerts with evidence packs for STR preparation
✓Dashboard view of all flagged transactions with risk classification
💳 Transaction Monitoring — Alerts
3
High Risk
7
Review
142
Clear
Recent Alerts
Structuring Detected
3× HK$7,500 — same customer — 3 days
STR Alert
Threshold Breach
Cash exchange HK$32,000 — CDD required
CDD Due
Unusual Pattern
Multiple offshore remittances — 12hr window
Review
Routine Transaction
HK$4,200 exchange — known customer
Clear
Module 06
Secure Record Keeping
Meet the AMLO 5-year record retention requirement effortlessly — all check results, reports, and supporting documents stored securely with one-click retrieval.
✓Automatic 5-year retention for all CDD records, transaction data, and reports
✓Document expiry tracking: passports, BRs, licences — auto-alerts before expiry
✓Immutable audit trail: every access and change is timestamped and logged
✓One-click export for regulatory inspection or internal audit
✓Secure encrypted storage with role-based access controls
🗄️ Secure Record Library
1,284
Records
5
Expiring
5yr
Retention
Expiry Alerts
CHAN TAI MAN — Passport
Expires: 15 May 2025 · 12 days remaining
Urgent
ABC Trading Ltd — BR
Expires: 30 Jun 2025 · 58 days remaining
Soon
Audit Trail
Record #1042 viewedToday 14:32
CDD Report exportedToday 09:15
Module 07
Ongoing Monitoring
Compliance does not end at onboarding. JustAML's automated ongoing monitoring ensures your client risk profiles remain current and any changes trigger immediate review.
✓User-definable re-screening schedules: daily, weekly, monthly, or on-demand
✓Automatic sanctions list refresh — instant alert if a client status changes
✓Document expiry monitoring with configurable advance notice periods
✓Periodic review workflow with guided CDD checklist
✓Compliance calendar dashboard — never miss a scheduled review