AML compliance solutions · engineering partner
AML compliance software solutions,
engineered as a program you own.
TrustChange builds AML compliance solutions for EU-facing crypto startups, licensed VASPs, PSPs, EMIs, neobanks and banks. We engineer the whole program — KYC and KYB onboarding, sanctions and wallet-risk screening, transaction monitoring, Travel Rule, case management and reporting — as bespoke software under your brand. You get an AML compliance solution your product team can extend, your compliance team can run and your auditor can read.
- EU-based engineers
- MiCA-ready architecture
- AML & Travel Rule aware
- GDPR-aware storage
What "AML compliance solution" means here
An AML & KYC compliance solution that fits your program, not a vendor's
Most searches for an AML compliance solution surface a packaged suite: KYC vendor + screening vendor + case tool under one licence, with the workflow, retention and evidence shape defined by the vendor. We work the other way. TrustChange integrates the vendors you choose behind adapters you own, runs the rules on your own policy engine and writes evidence to your own ledger. What you buy is engineering.
Deciding whether to buy, wrap or replace an incumbent? Start with CTO advisory. Analyst tooling in depth: AML case management software development. Third-party API wiring: AML compliance API integration.
Program pillars
Six pillars in every AML compliance solutions build
An AML program is not one tool. It is six pillars that must agree on every customer, every transfer and every filing. We engineer them as one system, on one plan, with one team accountable end to end.
-
01
KYC & KYB onboarding
Identity, document and beneficial-owner checks wired into signup. Vendor calls run behind one internal API so the checklist stays yours, not the vendor's.
- Identity + document + PEP
- UBO & corporate KYC
- Adverse-media hooks
-
02
Sanctions & screening
Names, wallets and counter-parties screened before onboarding and before every transfer. Verdicts carry provenance — vendor, list version, timestamp.
- Sanctions & watchlists
- Wallet-risk scoring
- Re-screen on list update
-
03
Transaction monitoring
Rules and thresholds run inside the transfer path, not on last-week's data. Alerts open cases with the data an analyst needs to act — not just fire.
- Rule library + tuning
- Velocity & pattern checks
- Aged alert queue
-
04
Travel Rule messaging
Originator and beneficiary data on crypto transfers, exchanged with counter-party VASPs through your chosen Travel Rule provider.
- IVMS-101 payload
- Provider-neutral adapter
- Fallback & retry rules
-
05
Case management
Analyst queue, four-eyes review, notes, resolution codes and re-runs. Ties into the wider AML case management build under one review flow.
- Assignment & SLAs
- Root-cause codes
- Case-file exports
-
06
Reporting & filings
SAR/STR preparation, transaction-log exports and supervisor-request bundles produced from the same source of truth as the case file.
- SAR/STR templates
- Audit-log exports
- Retention per policy
Stack
What sits behind an ongoing AML compliance solution
Eight layers, one system. Every layer names an owner, a control and a piece of audit evidence — nothing is left implied under the "AML solution" label.
Delivery patterns and evidence: how we deliver. Wider platform view: fintech infrastructure.
| Layer | What we build |
|---|---|
| Ingestion | Adapters into your KYC vendor, screening providers, Travel Rule provider, chain analytics and internal event streams Every vendor call is versioned; a rerun on the same input is deterministic. |
| Policy engine | Configurable rule store — thresholds, geographies, product tiers, sanctions posture Rules are reviewable in the admin console; every change is logged. |
| Screening pipeline | Pre-onboarding, pre-transfer and periodic re-screening with vendor verdict storage Each verdict carries vendor, list version and rule that triggered it. |
| Monitoring engine | Rule- and pattern-based alerts inside the transfer path with alert-to-case linkage Alerts open cases with all evidence attached — no context-switching for analysts. |
| Case workflow | Analyst queue, four-eyes, notes, resolution codes, re-run and escalation See the dedicated AML case management build for detail. |
| Ledger & evidence | Every decision writes to a signed, time-ordered log against your double-entry ledger Finance, ops and auditors read the same source of truth. |
| Reporting & exports | SAR/STR templates, transaction-log exports and supervisor-request bundles Exports match the shape supervisors expect in your jurisdiction. |
| Controls & access | Role-based access, four-eyes on manual overrides, tamper-evident logs Every override is who / what / why / when, retained per your policy. |
Decision path
From onboarding to a filed report
Every customer and every transfer in the AML compliance solution goes through the same gates before a decision is written. Speed comes from tuning the pipeline, not from skipping a step or trusting the caller.
- 01
Onboarding
Signup path
KYC/KYB checks, sanctions screening and product-tier assignment run before the customer can transact.
- 02
Screening
Pre-transfer
Names, wallets and counter-parties are re-screened; verdicts and reasons are stored.
- 03
Monitoring
Real time
Rules and pattern checks run inside the transfer path; alerts open cases with evidence attached.
- 04
Review
Analyst SLA
Analysts triage cases in a queue with four-eyes on any manual decision and a full audit trail.
- 05
Reporting
As required
SAR/STR filings, supervisor-request bundles and periodic reports draw from the same evidence log.
Delivery
How we deliver AML compliance software solutions
Five steps, in this order. AML work runs inside the product backlog — no separate compliance phase bolted on before launch, no big-bang release of an untested AML engine.
- 01
Scoping
Weeks 1–2
We map current vendors, rules, gaps and the supervisor letters you already answer. Output: a scope, a control map and a costed plan.
- 02
Architecture
Weeks 3–4
Policy engine, adapter contracts, evidence schema and reporting shape written down first. Regulatory constraints shape the design.
- 03
Build
Two-week sprints
Adapters, monitoring, case workflow and reporting ship in slices. Each merge runs tests, static checks and a dependency scan.
- 04
Hardening
Before cut-over
Replay against historical alerts, load work, failure drills 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. Runbooks, dashboards, filing templates and the audit bundle are handed to your team on day one.
Engagement
Four ways to buy your AML compliance solutions build
Same engineers, same standard. Only the commercial shape changes.
-
Fixed-scope build
A defined AML program at a fixed price and date. Best when vendors and jurisdiction are settled.
-
Dedicated team
A standing squad with a lead. Best for long roadmaps and new typologies each quarter.
-
Staff augmentation
Senior engineers inside your team. Best when you already own the plan and need AML depth.
-
CTO advisory
Architecture and buy-vs-build review before you commit. Best at the design stage.
Questions
FAQ: AML compliance solutions
Six answers up front on scope, vendor model, ongoing operation, sibling pages, regulatory positioning and support. Bring the rest to the call.
What do AML compliance software solutions cover in a TrustChange engagement?
We engineer a bespoke, client-owned AML program as software — KYC and KYB onboarding, sanctions and wallet-risk screening, transaction monitoring, Travel Rule messaging, case management and reporting — all tied to your ledger and audit log. It ships as source code in your repositories, with the IP assigned to you. There is no per-transaction fee and no shared multi-tenant backend between you and your customers or your regulator.
How is your AML compliance solution different from a packaged vendor suite?
Packaged vendor suites bundle KYC, screening and case tools under one licence, with the workflow, retention and evidence shape defined by the vendor. TrustChange integrates the vendors you choose behind adapters you own, runs the rules on your own policy engine and writes evidence to your own ledger. You keep every rule, every override and every export, and you can swap a KYC or screening vendor later without a re-platforming project.
What does an ongoing AML compliance solution look like once we are live?
Ongoing AML compliance is a product surface, not a project deliverable. The rule library gets tuned as new typologies appear; sanctions lists get consumed on their publication cadence; screening runs periodically against the current customer book; monitoring thresholds are reviewed on a fixed cycle; and evidence is retained per your policy. Named TrustChange engineers can stay on 24/7 cover, or hand over the runbooks and dashboards for your own team to operate.
How do your AML & KYC compliance solution and TrustChange's other pages fit together?
This page is the AML program view. The wider practice sits on compliance engineering; the analyst-side tooling sits on our dedicated AML case management software development page; screening and Travel Rule wiring is described inside the compliance engineering practice; and integration patterns into third-party AML APIs live on the AML compliance API integration page. Buyers usually start here, then drill into whichever pillar is under most pressure.
How are 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 flows in onboarding, sanctions and wallet-risk screening before signing, Travel Rule data on crypto transfers, PSD2-aware fiat flows and GDPR-aware storage with data mapping and retention rules. Nothing about licence status, opinions or supervisor approvals is claimed on your behalf.
Do you also run the AML platform after launch, 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 compliance-engineering team ramps up, then take the platform in-house with runbooks, dashboards and an on-call handover. Some keep us on as a dedicated development team or on staff augmentation for new-typology and new-jurisdiction roadmap work.
Book a discovery call for AML compliance software solutions
Tell us what you run today, who regulates it and where the pressure sits — onboarding, screening, Travel Rule, monitoring or evidence. We come back with a control map, a ranked gap list and a costed plan. No demo theatre.