Verifies customers, screens sanctions and PEPs, monitors transactions, and drafts SARs — running air-gapped so client and transaction data stay on your servers.
The KYC/AML Agent is an autonomous AI agent that runs customer due diligence, screens against sanctions and PEP lists, monitors transactions for suspicious activity, and prepares regulatory filings.
It reasons across customer data, watchlists, and transaction patterns, clears low-risk cases, and escalates genuine alerts to analysts, instead of teams clearing false positives by hand.
This is not a screening lookup chatbot. It is an active agent that verifies, screens, monitors, and files, deployed air-gapped or on-premise so client and transaction data never leave your servers.
A compliance chatbot answers a question about a regulation. The KYC/AML Agent verifies identities, screens watchlists, monitors transactions, triages alerts, and drafts SARs — autonomously, on a continuous cycle.
The KYC/AML Agent is a true AI agent that goes beyond simple Q&A. It reasons, plans, and executes multi-step workflows autonomously while you retain full code ownership and infrastructure control.
Performs identity verification and risk-rates customers for onboarding (CDD) and enhanced due diligence (EDD).
Verifies a new customer, assigns a risk rating, and clears or escalates onboarding without an analyst opening each file.
Screens customers and counterparties against OFAC, global sanctions, PEP, and adverse-media lists.
Resolves likely false matches using context and escalates true potential hits with the supporting rationale.
Monitors transactions for structuring, unusual patterns, and typology-based red flags.
Triages monitoring alerts, suppressing well-explained activity and escalating genuinely suspicious patterns to investigators.
Gathers the customer, transaction, and screening context needed to investigate an alert.
Assembles a complete case file with the evidence and timeline so analysts decide instead of dig.
Drafts suspicious activity reports with the narrative, facts, and supporting evidence.
Produces a ready-to-review SAR within the regulatory window when a case meets filing criteria.
The agent ingests onboarding data, transactions, and watchlist updates from core systems and screening sources.
It risk-rates customers, screens against sanctions and PEP lists, and evaluates transactions against AML typologies.
The agent clears low-risk cases, assembles case files for genuine alerts, and drafts SARs where filing criteria are met.
It learns from analyst dispositions to tune screening and monitoring, cutting false positives without missing true risk.
The agent logs every screening, decision, and filing to an immutable trail and reports SAR volume, clearance times, and risk trends.
Cut false-positive workload sharply and shortened alert clearance times, with data staying on the bank's servers.
Met BSA/AML obligations affordably on an owned, flat-fee platform.
Faster onboarding with rigorous screening and a clean audit trail for partners and regulators.
Consistent EDD and continuous monitoring without manual periodic reviews falling behind.
Detected structuring and high-risk patterns while keeping sensitive data in the platform's environment.
Reads customer and transaction data from Fiserv core banking and writes risk ratings and dispositions back.
Integrates with FIS systems to monitor transactions and update case status.
Syncs customer risk profiles and onboarding status with the relationship record.
Screens against OFAC, global sanctions, PEP, and adverse-media lists, refreshing as lists change.
Creates and updates investigation cases and files SAR drafts into the compliance workflow.
Enriches counterparty and entity data for screening and due diligence.
You receive the complete codebase. Your compliance infrastructure is yours to audit, modify, and operate permanently.
Deploy entirely within your own infrastructure so client and transaction data never leave your servers.
Run on AWS, Azure, Google Cloud, or your own data centers. ibl.ai is a certified partner of all three hyperscalers.
Choose and swap the underlying model without rebuilding your screening and monitoring workflows.
No customer data is sent to ibl.ai. Every screening, decision, and filing is logged to your own immutable audit trail for examiners.
Context-aware triage reduces false-positive alert volume by more than half.
Automated case assembly cuts the time analysts spend gathering evidence per alert.
Automated CDD verification accelerates customer onboarding without weakening screening.
Every decision and filing is logged, reducing exam preparation effort and finding risk.
Enterprise-wide flat-fee licensing eliminates per-seat AML SaaS pricing.
See how ibl.ai deploys autonomous AI agents you own and control — on your infrastructure, integrated with your systems.