--- title: ​​Transaction Monitoring for Smarter AML Detection source_page: https://www.sardine.ai/transaction-monitoring canonical: https://www.sardine.ai/transaction-monitoring format: text/markdown description: False positives and disconnected investigations slow teams as typologies keep changing. Link activity, surface hidden patterns, and clear cases faster... --- **Quick links:** [Human page](https://www.sardine.ai/transaction-monitoring) · [Home](https://www.sardine.ai) · [Customers](https://www.sardine.ai/customers) · [Blog](https://www.sardine.ai/blog) · [Demo](https://www.sardine.ai/demo) --- # ​​Transaction Monitoring for Smarter AML Detection False positives and disconnected investigations slow teams as typologies keep changing. Link activity, surface hidden patterns, and clear cases faster... ## Deploy adaptable, out-of-the-box AML transaction monitoring Identify known and emerging AML typologies with pre-built rules, graph intelligence, and AI-assisted investigations. ## Enterprise-grade AML transaction monitoring - 500+: pre-built rules for AML scenarios. - 70%: faster case disposition with Transaction Monitoring Agent ## Disrupt financial crime at every stage ## Detect money laundering scenarios Transaction Activity Monitor transactions for structuring, layering, funnel accounts, pass-through activity, and other emerging AML typologies. ### Identify structuring and smurfing Spot repeated deposits and withdrawals below reporting limits across configurable time windows & related accounts. ### Expose unusual
movement of funds Flag rapid international transfers, funnel accounts, and sudden shifts inconsistent with customer profiles. ### Detect source-of-funds obfuscation Surface rapid in-and-out flows, minimal account balances, and behavior indicative of layering activity. ## Identify high-risk counterparties Counterparty Screening Screen transaction counterparties and counterparty banks to identify sanctions exposure, PEP connections, and high-risk geographies before funds move. ### Screen counterparties against global watchlists Detect counterparties linked to politically exposed persons or sanctioned beneficial owners. ### Identify PEPs and sanctioned ownership exposure Continuously match senders and recipients. ### Flag high-risk jurisdictions and adverse media Surface transactions involving sanctioned countries or significant negative news. ## Continuously monitor customers to detect changes in AML risk or sanctions exposure Customer Risk Rating ### Continuously rescreen customers against sanctions and watchlists Automatically detect new sanctions listings, PEP status changes, and updated global watchlists. ### Monitor beneficial ownership and control changes Identify updates to corporate structures, ownership shifts, or newly sanctioned related entities. ### Surface emerging adverse media and reputational risk Detect new negative news, enforcement actions, or criminal allegations impacting customer risk profiles. ## Prevent activity from sanctioned countries and high-risk jurisdictions Jurisdiction Controls Prevent onboarding and transactions from sanctioned, embargoed, or unauthorized jurisdictions in real-time. ### Block prohibited or high-risk jurisdictions Flag IP mismatches, VPN usage, and geolocation anomalies tied to restricted countries. ### Prevent transactions from sanctioned areas Stop payments routed to embargoed countries or restricted regions. ### Detect location spoofing and obfuscation Identify proxy networks, VPNs, emulators, and IP masking used to bypass controls. ## Agents that make your risk team 2-5X more efficient Automate repeatable compliance tasks, enforce consistent policy application, and maintain audit-ready documentation so your team can handle more alerts, faster. ## Backed by the industry’s leading agentic risk platform ### End-to-end investigations with
configurable, regulator-ready workflows Manage alerts, investigations, evidence, and reporting in a single AML platform where AI-assisted triage reduces manual reviews while preserving oversight. Case Management ### Score activity against each customer's own baseline Models weigh each transaction against that customer's history and cohort behavior, so profile-consistent activity stays out of the queue and true outliers surface with context attached. Machine learning ### Link transactions, users, devices, and entities Unify transactions, users, devices, IPs, counterparties, and fraud outcomes into a single intelligence layer, turning isolated activity into connections. ## Uncover and disrupt complex financial crime networks ## Building blocks for regulatory compliance Strengthen controls across onboarding, payments, and beyond. ### Customer Risk Rating Maintain real-time customer risk profiles. ### Sanctions screening Screen against global sources for sanctions, PEP, and Adverse Media. ### Sponsor banks Monitor your fintech programs from a single dashboard ## Frequently asked questions ### How does Sardine detect AML typologies out of the box? Sardine includes a prebuilt AML rule library covering structuring, layering, pass-through activity, velocity spikes, and mule behavior. Teams can deploy scenarios immediately, adjust thresholds by segment, backtest against historical data, and tune controls without building custom models from scratch. ### How does Sardine reduce false positives? AI agents triage alerts, resolve obvious low-risk cases, and generate structured investigation summaries for analysts. Alerts are enriched with fraud, device, identity, and transaction context so reviewers spend less time gathering data and more time making decisions. ### How does the graph engine improve detection? The graph links accounts, devices, IPs, counterparties, and transactions into a single investigative view. Analysts pivot across entities, trace funds flows, and spot shared infrastructure, which surfaces coordinated activity that rule-based checks miss when they evaluate events one at a time. ### How does Sardine support global AML/CFT obligations? Monitoring scenarios are aligned to FATF guidance and regional expectations across the U.S., EU, and key APAC regulators. Teams can configure thresholds, document rationale, maintain audit trails, and generate regulator-ready case records directly from the platform. ### How does Sardine connect fraud and AML signals in transaction monitoring? Sardine brings fraud, identity, device, counterparty, and transaction signals into the same monitoring environment so teams can evaluate suspicious activity with more context. Instead of treating fraud risk and AML risk as separate workflows, Sardine helps analysts understand how account behavior, infrastructure reuse, counterparty exposure, and funds movement relate to one another. This makes it easier to identify laundering patterns tied to mule activity, account abuse, and fraud-driven financial crime. ### How does Sardine help teams investigate linked accounts and laundering networks? Sardine helps teams investigate linked activity by connecting users, devices, IPs, counterparties, and transaction flows in one view. This allows analysts to move beyond a single alert and understand whether suspicious behavior is part of a broader network. By exposing shared infrastructure and related entities, Sardine supports faster investigations into coordinated laundering activity that might otherwise remain hidden across disconnected systems. ### How does Sardine help AML teams respond when suspicious behavior changes over time? Sardine helps AML teams respond to changing behavior by combining adaptable rules, AI-assisted investigations, and network-level analysis in one system. As transaction patterns shift, teams can refine monitoring logic, review new relationships between entities, and investigate emerging risk without rebuilding their program from scratch. This gives compliance teams a more flexible way to keep pace with evolving typologies while maintaining clear decision context and audit readiness.