AML compliance technology · engineering partner
AML compliance API integration,
engineered into your product.
TrustChange integrates the AML compliance tools your MLRO team already trusts — KYC, KYB, sanctions, PEP, adverse-media, wallet-risk and Travel Rule — behind one internal AML compliance API, one AML compliance workflow and one AML compliance dashboard. It ships as bespoke code under your brand, in your cloud, with the IP assigned to you. Not a rented SaaS, not a black-box console.
- EU-based engineers
- MiCA-ready architecture
- AML & Travel Rule aware
- GDPR-aware storage
What "AML integration" means here
A complete toolkit for customer onboarding & KYC/AML compliance, built around vendors you already own
Most searches for AML compliance tools surface packaged SaaS with fixed vendors and a locked dashboard. We work the other way. TrustChange is a KYC AML compliance tools integration partner: your MLRO chooses the vendors, we build the AML compliance API, the workflow, the dashboard and the evidence pipeline around them. You keep the contracts, the data and the code.
Deciding whether to build, wrap or replace an incumbent? Start with CTO advisory. The wider practice sits on compliance engineering. Analyst tooling in depth: AML case management software development.
Three surfaces
Three surfaces in every AML compliance API integration
An AML programme is not one app. It is the API that your product calls, the workflow that decides, and the dashboard that operators live in. We ship all three as one product, on one architecture, with one team accountable end to end.
-
01
AML compliance API layer
One internal AML compliance API that fans out to your chosen KYC, KYB, sanctions, PEP, adverse-media, wallet-risk and Travel Rule vendors so your product code stays vendor-agnostic.
- Vendor-agnostic contract
- Async webhooks + polling
- Versioned request / response
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02
AML compliance workflow
Rules that decide when to onboard, refer, block, freeze or escalate — engineered inside your product flow, not hidden behind a vendor console you can't extend.
- Onboarding step-up
- Transaction rules
- Manual review queue
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03
AML compliance dashboard
The operator surface: cases, evidence, decisions, aging, four-eyes review and the audit log. Your MLRO team sees the same data your engineers store.
- Role-based access
- Case notes + attachments
- Export bundle for supervisors
Stack
What sits behind the AML compliance software dashboard
Eight layers, one system. Every layer names an owner, a control and a piece of audit evidence — nothing is left implied under the "AML compliance tool" label.
Delivery patterns and evidence: how we deliver. Wider platform view: fintech infrastructure.
| Layer | What we build |
|---|---|
| Identity & KYC | ID document capture, liveness, KYC vendor calls and result normalisation Multi-vendor routing so a vendor swap is a config change, not a rewrite. |
| KYB & UBO | Company registry pulls, UBO resolution, entity verification Structured records replace PDF attachments in the case file. |
| Screening | Sanctions, PEP and adverse-media checks with monitoring and rescreening Rescreen on schedule and on rule change; hits open a case, not a dead alert. |
| Wallet & counterparty risk | On-chain address risk scoring and counterparty attribution Applied pre-signing on withdrawals and pre-credit on deposits. |
| Travel Rule | IVMS-101 payloads, transport interop and beneficiary data flow Outbound and inbound legs, retention aligned to your policy. |
| Transaction monitoring | Rule-based alerts with velocity, structuring and pattern signals Rules are configuration, not code — reviewable in the console. |
| Case & evidence | Case files with aging, ownership, notes, resolution codes and exports SLA aging visible on the dashboard; escalation paths defined per rule. |
| Controls & audit | Role-based access, four-eyes on overrides, tamper-evident logs Every override is who / what / why / when, retained per your policy. |
Screening path
From event to decision to evidence
Every customer and every transaction goes through the same gates before a rule fires. Speed comes from tuning the pipeline, not from skipping a check or trusting the caller.
- 01
Ingest
Continuous
Customer, transaction and counterparty events land through the internal AML compliance API.
- 02
Screen
Milliseconds
Identity, sanctions, PEP, adverse-media and wallet-risk checks resolve against vendor responses.
- 03
Decide
Realtime + async
Rules decide: allow, step-up, refer, block. Every decision writes rule version and vendor result to the log.
- 04
Review
T+0 to T+2
Referred cases queue in the dashboard with aging and SLAs. Analysts note, escalate or resolve.
- 05
Report
Daily + on demand
SAR-ready evidence bundles, board packs and supervisor exports render from one source of truth.
Delivery
How we deliver KYC AML compliance tools integration
Five steps, in this order. Integration work runs inside the product backlog — no separate compliance phase bolted on before go-live, no big-bang release of an untested AML compliance workflow.
- 01
Scoping
Weeks 1–2
We map your programme: licence context, vendors already chosen, gaps, MLRO expectations and reporting cadence. Output: a scope, a control map and a costed plan.
- 02
Architecture
Weeks 3–4
API contract, rule model, dashboard shape and evidence pipeline written down first. Regulator expectations shape the design, not a later patch.
- 03
Build
Two-week sprints
Vendor adapters, rules, dashboard and exports ship in slices. Each merge runs tests, static checks and a dependency scan.
- 04
Hardening
Before cut-over
Replay against synthetic and historical cases, load work and a third-party review window. Cut-over is rehearsed with your MLRO team, not assumed.
- 05
Launch and run
Cut-over + ongoing
Named engineers on 24/7 cover during the first weeks. Runbooks, dashboards and the audit bundle are handed to your team on day one.
Engagement
Four ways to buy your AML compliance API integration
Same engineers, same standard. Only the commercial shape changes.
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Fixed-scope build
A defined integration at a fixed price and date. Best when the vendor list and rules are settled.
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Dedicated team
A standing squad with a lead. Best for long roadmaps and new vendors or markets each quarter.
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Staff augmentation
Senior engineers inside your team. Best when you already own the plan and need AML depth.
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CTO advisory
Architecture and buy-vs-build review before you commit. Best at the design stage.
Questions
FAQ: AML compliance API integration
Six answers up front on scope, ownership, vendors, dashboard fit, cloud-native posture and rule mapping. Bring the rest to the call.
What do you mean by AML compliance API integration, exactly?
We engineer a bespoke, client-owned AML compliance layer: one internal AML compliance API that abstracts your KYC, KYB, sanctions, PEP, adverse-media, wallet-risk and Travel Rule vendors; the workflow rules on top; and the dashboard your MLRO team lives in. It ships as source code in your repositories, with the IP assigned to you. There is no packaged AML compliance software licence, no shared multi-tenant backend and no vendor gate between you and your controls.
How is this different from a packaged toolkit for customer onboarding & KYC/AML compliance?
A packaged toolkit locks the vendor list, the rules and the dashboard into a licence. TrustChange builds the integration and orchestration against the AML compliance tools you or your MLRO have already chosen, and hands you the code. You keep the freedom to swap a KYC vendor, change a screening list source or add a chain-analytics provider without a contract renegotiation with us.
Which KYC / AML compliance technology vendors can you integrate?
The reference build routes across common KYC / IDV providers, KYB and registry sources, sanctions and PEP data (WorldCheck, ComplyAdvantage, Refinitiv and similar), adverse-media, wallet-risk and chain-analytics providers (Chainalysis, TRM Labs, Elliptic, Merkle Science and similar), and Travel Rule networks. If a vendor exposes an API or file feed, we integrate it. We do not resell or licence any of these on your behalf — you contract them directly.
How does the AML compliance dashboard fit with our existing MLRO workflow?
The dashboard renders from the same store your engineers use, so operators see live case aging, SLAs, four-eyes review and evidence trails without waiting for a nightly refresh. It exports SAR-ready evidence bundles and board packs on schedule. Existing MLRO processes stay in place; the dashboard replaces the parts that live in email threads and spreadsheets today, not the parts that already work.
Are these cloud-native AML compliance tools? Can you license them to us?
The systems we deliver are cloud-native by design — EU-hosted, container-based, observable and horizontally scalable. But we do not licence a packaged product to you: TrustChange is an engineering partner, and what you receive is bespoke, client-owned code deployed to your cloud accounts. If your programme instead wants a licensed SaaS, we will say so on the call and help you weigh the trade-off honestly.
How is MiCA, PSD2, AML / Travel Rule and GDPR engineered in?
TrustChange is an engineering partner, not a law firm — your MLRO and legal advisers set the policy; we ship the controls and the evidence. That means KYC/KYB in onboarding, sanctions and wallet-risk screening at the right point in the flow, Travel Rule data on crypto transfers, PSD2-aware fields on card and open-banking flows and GDPR-aware storage with data mapping and retention rules. Nothing about licences, opinions or supervisor approvals is claimed on your behalf.
Book a discovery call for AML compliance API integration
Bring the vendors you already run, the licence context, the pressure points — onboarding latency, screening false positives, Travel Rule gaps, SAR-ready evidence — and the target go-live. We come back with a control map, an architecture view and a costed plan. No demo theatre.