Bank AML compliance · engineering partner
AML compliance software for banks,
engineered as a system you own.
TrustChange builds AML compliance software for regulated banks, neobanks, EMIs and PSPs across the EU. We engineer bank AML compliance end to end — KYC/KYB, sanctions and wallet-risk screening, transaction monitoring, case management, Travel Rule and regulator reporting — as bespoke, client-owned code, not a packaged SaaS licence. Your compliance team runs it. Your auditor can read it.
- EU-based engineers
- MiCA-ready for crypto legs
- PSD2-aware payment flows
- Travel Rule messaging
- GDPR-aware storage
What "AML compliance for banks" means here
An AML compliance platform for banks without the SaaS strings
Most searches for an AML compliance platform for banks surface multi-tenant SaaS with a fixed model and a per-alert fee. We work the other way. TrustChange is an engineering partner: your rules, your adapters, your case data, your code. What you buy is aml compliance software for regulated banks engineered against your reality — products, rails, thresholds and supervisor expectations — not rented from a vendor.
Deciding whether to buy, build or wrap an incumbent? Start with CTO advisory. The wider practice sits on compliance engineering and the banking-platform view on banking software development company.
Subsystems
Four subsystems in every aml compliance banking build
An AML platform is not one service. It is onboarding, screening, monitoring and case management that must agree on every alert. We build the four together, on one plan, with one team accountable end to end.
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01
Onboarding & KYC/KYB
Identity, corporate registry, UBO and PEP checks wired into your account-opening flow. Vendor results are versioned and stored with the customer record.
- ID document + biometric checks
- Corporate registry + UBO
- PEP & adverse media
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02
Screening
Sanctions, watch-list and wallet-risk screening at onboarding, at transaction time and on schedule. Every verdict is written to the audit log with a reason.
- OFAC / EU / UN lists
- Ongoing rescreen jobs
- Wallet-risk vendor plug-ins
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03
Transaction monitoring
Rule-based monitoring with configurable thresholds, aggregation and typologies. Rules are configuration, not code — reviewable in the admin console.
- Velocity + structuring rules
- Peer-group aggregation
- Alert prioritisation
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04
Case management & reporting
Analyst queues, four-eyes review, SAR/STR drafting and regulator reporting bundles. Aging, SLAs and root-cause codes stay visible.
- Aged case queue + SLAs
- Four-eyes approval
- SAR/STR export bundle
Stack
What sits behind an aml compliance platform for banks
Eight layers, one system. Every layer names an owner, a control and a piece of audit evidence — nothing is left implied under the "platform" label.
Platform view: fintech infrastructure. Payment-side detail: payment gateway engineering. Custody depth: wallet and custody engineering.
| Layer | What we build |
|---|---|
| Identity & registry | KYC vendor adapters, corporate registry pulls, UBO resolution, PEP and adverse-media lookups Every source is versioned; verdicts stored with a source-run id. |
| Screening | Sanctions, watch-list and wallet-risk screening at onboarding, transaction time and on schedule Vendor swaps are adapters, not rewrites; results retained per your policy. |
| Monitoring rules | Rule-based engine with amount, currency, geography, typology and time-window logic Rules are configuration in the admin console; every version is retained. |
| Case workflow | Aged queues, ownership, notes, four-eyes review, escalation and resolution codes Analysts see why an alert exists, not just that it does. |
| Reporting | SAR/STR drafting, regulator reporting bundles, GL and warehouse exports One canonical event stream; nothing is retro-edited. |
| Travel Rule (where relevant) | Originator / beneficiary messaging on crypto legs, IVMS 101 payload handling and counterparty resolution Wired next to the ledger, not bolted on the app. |
| Data & retention | GDPR-aware storage with data mapping, retention rules and lawful-basis tagging Regions and retention windows are yours to set. |
| Runtime & delivery | EU-hosted, CI/CD pipelines, observability, 24/7 on-call cover Your identity provider, your key custody, your data regions. |
Monitoring path
From event to case to regulator report
Every event in aml compliance in banks goes through the same gates before an alert opens. Speed comes from tuning the pipeline, not from skipping enrichment or trusting the source blindly.
- 01
Event
Real time
A payment, transfer or card auth lands on the event stream from the ledger or the payments router.
- 02
Enrich
Sub-second
Customer, counterparty, wallet-risk and geography attributes are attached to the raw event.
- 03
Rules
Sub-second
Configured rules run; matches produce alerts and a reason string is stored.
- 04
Alert
Immediate
Alerts land on an analyst queue prioritised by risk score, with a full context view.
- 05
Case
Human time
Analyst reviews, notes and decides; four-eyes review triggers for cases above thresholds.
- 06
Report
Per cadence
SAR/STR drafting, regulator reports and warehouse exports go out on your calendar.
Delivery
How we deliver aml compliance software for regulated banks
Five steps, in this order. Regulated AML work runs inside the product backlog — no separate compliance phase bolted on before an examination, no big-bang release of an untested AML platform.
Digital-asset side: crypto AML compliance software. Cross-cutting monitoring: AML transaction monitoring software.
- 01
Scoping
Weeks 1–2
We map products, rails, licence context, risk appetite and the supervisor expectations you must stand behind. Output: a control map and a costed plan.
- 02
Architecture
Weeks 3–4
Data model, rule engine, screening adapters, case workflow and reporting bundles written down first. Retention and lawful-basis tagging are set early.
- 03
Build
Two-week sprints
Onboarding, screening, monitoring and case tooling ship in slices. Each merge runs tests, static checks and a dependency scan.
- 04
Hardening
Before cut-over
Replay against historical alerts, threshold tuning workshops with your analysts, load work and a third-party review window. Cut-over is rehearsed with your MLRO.
- 05
Launch and run
Cutover + ongoing
Named engineers on 24/7 cover. Runbooks, dashboards, rule-tuning playbooks and the audit bundle are handed to your team on day one.
Engagement
Four ways to buy bank AML compliance from TrustChange
Same engineers, same standard. Only the commercial shape changes.
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Fixed-scope build
A defined AML platform at a fixed price and date. Best when the rail mix and typology list are settled.
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Dedicated team
A standing EU squad with a lead. Best for long roadmaps and new typologies 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 for digital banks and traditional banks
Six answers up front on scope, packaged-vs-custom trade-offs, core-stack fit, crypto AML compliance for banks, applied AI and ongoing support. Bring the rest to the call.
What does AML compliance for banks look like as engineered software rather than a packaged product?
TrustChange builds AML compliance software for regulated banks as bespoke, client-owned code — KYC/KYB, sanctions and wallet-risk screening, transaction monitoring, case management, SAR/STR reporting and, where relevant, Travel Rule messaging. It ships as source code in your repositories, with the IP assigned to you. There is no per-alert fee, no shared multi-tenant backend and no packaged SaaS licence between you and your supervisor.
How is your banking AML compliance work different from an off-the-shelf AML platform for banks?
Off-the-shelf AML compliance platforms for banks bundle a fixed rule set and hide the engine behind a licence. TrustChange engineers the rules, the adapters, the case workflow and the reporting bundles against your actual products, thresholds and audit expectations. A bespoke build takes longer up front, but you keep every rule, every alert reason and every escalation policy — and you avoid the roadmap lock-in of a rented AML tool.
How does aml compliance banking fit alongside our existing core, cards and open-banking rails?
The monitoring engine reads from your event stream — core-banking postings, card acquirer events, open-banking pulls, on-chain reads — and writes alerts and reports back. Nothing about your existing core, GL or period locks is silently rewritten. Every posting decision, alert and case action carries a source id, a rule version and an operator id where applicable, so reconciliation and audit stay clean.
How is crypto AML compliance for banks engineered when the bank touches digital assets?
Crypto legs use the same monitoring spine as fiat, plus wallet-risk vendor screening and Travel Rule messaging (originator/beneficiary IVMS 101 payloads and counterparty resolution) on transfers where required. Custody sits with the wallet and custody engineering practice, and the AML controls live next to the ledger — not bolted on top of the app — so a crypto payout is validated and evidenced on the same terms as a SEPA one.
How are PSD2, MiCA, AMLR and GDPR engineered in, and how do you handle AI models?
TrustChange is an engineering partner, not a law firm — your compliance team and MLRO set the policy and the risk appetite; we ship the controls and the evidence. That means PSD2-aware payment fields, MiCA-ready records where crypto is in scope, AMLR-aligned control shapes, and GDPR-aware storage with lawful-basis tagging and retention rules. Any model-assisted triage runs with human-in-the-loop, an evaluation harness and full audit logging — never a mystery layer over case decisions.
Do you also operate the AML platform for us, or hand it over?
Both are on the table. Most clients start with named TrustChange engineers on 24/7 cover during the first months while their own team ramps up, then take the platform in-house with runbooks, dashboards, rule-tuning playbooks and the audit bundle. Some keep us on as a dedicated development team or on staff augmentation for typology and rail roadmap work. We do not run compliance decisions — analysts, MLRO and second-line stay with you.
Book a discovery call for aml compliance software for banks
Bring your products, your rails, the licence context and where the pressure sits — alert backlog, typology gap, examiner findings or a rip-and-replace of an incumbent. We come back with a control map, an architecture view and a costed plan. No demo theatre.