XPndAI builds enterprise financial crime AI platforms for banks, large fintechs, and regulated financial institutions. Full-stack: transaction monitoring augmentation, AI-assisted investigation, case management, sanctions screening, fraud pattern detection, SAR/CTR automation, and regulatory reporting. For institutions that need more than an investigation point-tool — a platform that connects alert, investigation, and reporting into one system.
XPndAI builds the entire agent workflow. Source code handed over at project close. No ongoing licence.
NICE Actimize, Oracle FCCM, Temenos FCM, Featurespace — connects as investigation layer. Or builds net-new TMS for mid-size institutions.
Dow Jones Risk & Compliance, Refinitiv WorldCheck, Dun & Bradstreet, ACURIS — sanctions, PEP, adverse media, UBO.
Finacle, FLEXCUBE, Temenos T24, custom CBS — real-time and batch transaction data.
FIU-IND (India STR/CTR), CBUAE goAML (UAE STR), HM Treasury (UK), FinCEN BSA (US) — configured per jurisdiction.
XPndAI Extract for KYC and corporate documents — Emirates ID, PAN, Aadhaar, trade licences, MOA/AOA, UBO declarations.
SOC 2-aligned architecture, role-based access, full audit log, encrypted data at rest + in transit. UAE on-prem and national cloud available.
All projects fixed price. Discovery workshop → system spec → fixed quote → build → handover with source code.
An enterprise financial crime AI platform is a unified system that covers the full financial crime management workflow for a bank or regulated financial institution: alert generation and triage (from transaction monitoring), AI-assisted investigation (customer profile, transaction patterns, sanctions screening), case management (investigator assignment, workflow, supervisor approval), fraud investigation (account takeover, synthetic identity, collusion patterns), and regulatory reporting (SAR/STR automation, FIU-IND or goAML filing). Unlike a point-tool (standalone AML investigation assistant), an enterprise platform replaces or consolidates multiple existing tools into one governed system with a single audit trail and management reporting layer.
Traditional Transaction Monitoring Systems (TMS) — NICE Actimize, Oracle FCCM, Temenos FCM — are rule-based alert generation engines. They generate alerts when transactions match defined patterns (large cash transactions, rapid movement, geographic anomalies). They do not investigate those alerts. An AI financial crime platform sits on top of, or alongside, the TMS: it takes the alerts the TMS generates and does the investigation work — assembling customer context, analysing patterns, screening sanctions, and drafting investigation summaries. For larger institutions looking to replace legacy TMS components, XPndAI can also build a custom alert generation engine alongside the investigation platform.
FATF (Financial Action Task Force) Recommendations 10–16 and 20 are the international AML/CFT standards that most jurisdictions transpose into national law. Key requirements for financial institutions: risk-based customer due diligence (CDD) with documentation; transaction monitoring calibrated to customer risk profile; identification and reporting of suspicious transactions; record-keeping for 5+ years; timely filing of STRs/SARs. XPndAI's financial crime platform is built to support these requirements: risk-tier-based investigation depth, structured investigation documentation, SAR/STR pre-filling with review workflow, and record retention architecture. National law variations (PMLA in India, UAE Federal Law 20/2019) are configured per jurisdiction.
AML investigation focuses on detecting and reporting transactions that may represent money laundering or terrorist financing — the proceeds of crime moving through the financial system. Fraud investigation focuses on detecting criminal acts against the financial institution or its customers — account takeover, synthetic identity fraud, first-party default fraud, card fraud, collusion between merchants and cardholders. The two disciplines overlap (proceeds of fraud become proceeds of crime that enter money laundering patterns) and are increasingly managed in the same platform. XPndAI's financial crime platform handles both AML and fraud in one system: shared entity resolution, shared case management, and separate regulatory reporting modules (SAR for AML, internal fraud case for fraud).
Brief us on your current TMS environment, investigation volume, and regulatory obligations. Fixed-price proposal in 5 days.
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