XPndAI builds custom AML AI agents for banks, fintechs, and payment companies. The agent takes alerts from your TMS, assembles full investigation context in under 30 seconds, analyses transaction patterns, screens sanctions and PEPs, and drafts the investigation summary — reducing alert investigation from hours to under 30 minutes. PMLA 2002 + CBUAE AML/CFT compliant.
NICE Actimize, Oracle FCCM, Temenos FCM, ComplyAdvantage — supplements your TMS, never replaces it.
Dow Jones Risk & Compliance, Refinitiv WorldCheck, ComplyAdvantage, LexisNexis Bridger — any.
Finacle, FLEXCUBE, Temenos T24, custom CBS — transaction history via API or batch.
India FIU-IND STR/CTR reporting portal, CBUAE goAML — pre-filled and routed for compliance sign-off.
XPndAI Extract: PAN, Aadhaar, passport, trade licence, MOA/shareholding — reviewed at investigation time.
All data stays in your infrastructure. UAE national cloud and on-prem options available.
Need the full enterprise financial crime platform — alert generation, case management, fraud module, MLRO dashboard? See our Financial Crime AI Platform page.
See Enterprise Platform →Discovery workshop → system spec → fixed quote → build → source code handover. No ongoing licence.
An AML AI agent automates the AML investigation workflow. When a transaction monitoring system generates an alert, the AML AI agent: (1) assembles the full customer investigation context from connected systems in under 30 seconds; (2) analyses transaction patterns for AML typologies — structuring, cycling, geographic concentration, counterparty analysis; (3) screens the customer and related parties against sanctions, PEP, and adverse media; (4) drafts a structured investigation summary with recommended disposition. The compliance analyst reviews, amends, and approves. SAR/STR forms are pre-filled from the case data for filing. Investigation time falls from 2–8 hours to under 30 minutes per alert.
PMLA 2002 (amended 2023) requires financial institutions to: maintain STR/CTR records, file with FIU-IND within prescribed timelines, conduct risk-based CDD, and maintain KYC records. XPndAI's AML agent supports each: FIU-IND STR/CTR formats are pre-filled and routed for compliance officer sign-off before submission; investigation records are maintained with tamper-evident logs for RBI inspection; KYC completeness is checked at investigation time; risk-tier classification is output per customer. The agent never makes autonomous filing decisions — every SAR/STR is reviewed and approved by a compliance officer.
Yes — the AML AI agent supplements your TMS, it does not replace it. Your TMS continues to generate alerts using existing rule sets and models. The AI agent connects to the TMS via API to receive alerts and push investigation outcomes back. If your TMS does not have an alert API, batch file integration is supported. The agent connects separately to your core banking system for transaction history and to sanctions/PEP APIs for screening. No TMS replacement or upgrade is required — the agent is a layer on top of existing infrastructure.
For a fintech or NBFC: scope is typically alert triage + investigation summary + FIU-IND STR filing. The TMS may be simpler (rule-based, lower alert volume). Integration points: payment gateway transaction logs, KYC system, sanctions API. Project size: ₹20L–₹35L. For a bank: larger alert volume, multiple product lines (retail, corporate, trade finance, cards), integration with core banking transaction history, existing NICE Actimize / Oracle FCCM TMS, multi-level approval workflow, comprehensive audit trail for RBI inspection, separate SAR and CTR pipelines. Project size: ₹55L–₹1Cr+. XPndAI builds for both — scope is defined in the discovery engagement.
Tell us your TMS, alert volume, and regulatory obligations. Fixed-price quote within 5 days.
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