Module 01
KYC & ID Verification
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
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
- ✓Multi-factual matching: name, alias, DOB, nationality, jurisdiction
- ✓AI scoring engine reduces false positives by up to 70%
- ✓Configurable match thresholds — auto-match or manual review modes
🔍 AML/CFT/PEP Name Screening
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
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 Questionnaire
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
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 Keeping
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
🔄 Ongoing Monitoring — Auto Detection
