Compliance Engine (Coming Soon)

Coming Soon - Compliance Engine is currently in development and will be available in Q4 2026. This documentation provides an overview of the upcoming features.

What is Compliance Engine?

Compliance Engine is Venly’s automated compliance and risk management system that provides real-time transaction monitoring, sanctions screening, and regulatory reporting across all payment rails. Stay compliant without the operational overhead of manual compliance processes.

Automated Screening

Real-time AML and sanctions screening

Transaction Monitoring

AI-powered suspicious activity detection

Regulatory Reporting

Automated compliance report generation

Audit Trails

Complete transaction history and evidence

Key Features

🔍 Real-Time Screening

Automated screening for every transaction:

Sanctions Lists: OFAC, UN, EU, and 200+ global lists
PEP Screening: Politically Exposed Persons identification
Adverse Media: Negative news and reputational risk
Watchlists: Custom internal watchlists
Fuzzy Matching: Advanced name matching algorithms

📊 Transaction Monitoring

AI-powered pattern detection:

Behavioral Analysis: Detect unusual transaction patterns
Velocity Checks: Monitor transaction frequency and volume
Geographic Risk: Flag high-risk jurisdictions
Structuring Detection: Identify potential smurfing
Peer Group Analysis: Compare against similar entities

📝 Regulatory Reporting

Automated compliance documentation:

SAR/STR Generation: Suspicious Activity Reports
CTR Filing: Currency Transaction Reports
Travel Rule Compliance: FATF Travel Rule adherence
Audit Reports: Comprehensive compliance audits
Regulator Submissions: Direct filing capabilities

⚙️ Configurable Rules

Customize compliance to your needs:

Risk-Based Rules: Tailor screening based on risk levels
Threshold Configuration: Set custom alert thresholds
Workflow Automation: Define approval processes
Escalation Paths: Automatic escalation for high-risk cases
False Positive Tuning: Machine learning optimization

How It Works

1. Automatic Screening

Every transaction is screened in real-time

Transaction Initiated
↓
Compliance Engine Activated
↓
Screening Checks:
✓ Sanctions lists (OFAC, UN, EU)
✓ PEP databases
✓ Adverse media
✓ Custom watchlists
✓ Geographic risk
↓
Risk Score Calculated

Processing Time: <100ms per transaction

2. Risk Assessment

AI analyzes transaction risk factorsRisk Factors Analyzed:

Sender/receiver identity and history
Transaction amount and frequency
Geographic locations involved
Payment rail and method
Historical behavior patterns
Industry risk profile

Risk Score: 0-100 (Low to High)

3. Automated Decision

System takes action based on risk score

Risk Score 0-30 (Low):
→ Auto-approve transaction
→ Continue processing

Risk Score 31-70 (Medium):
→ Flag for review
→ Notify compliance team
→ Hold transaction pending review

Risk Score 71-100 (High):
→ Block transaction
→ Immediate escalation
→ Generate alert
→ Require manual approval

4. Compliance Review

Flagged transactions reviewed by compliance team

Access complete transaction context
Review screening results and evidence
Add notes and documentation
Approve, reject, or escalate
Generate reports if needed

5. Continuous Monitoring

Ongoing monitoring and reporting

Daily transaction monitoring
Periodic account reviews
Automated report generation
Regulatory filing preparation
Audit trail maintenance

Screening Capabilities

Sanctions Lists

Global Coverage:

OFAC (US Office of Foreign Assets Control)
UN Security Council Consolidated List
EU Sanctions List
UK HM Treasury Sanctions
DFAT (Australia)
200+ Additional Lists from jurisdictions worldwide

Update Frequency: Real-time updates as lists change

PEP Databases

Politically Exposed Persons Screening:

Current and former government officials
Senior executives of state-owned enterprises
Political party officials
Immediate family members
Close associates

Coverage: 240+ countries and territories

Adverse Media Screening

Negative News Monitoring:

Financial crime allegations
Fraud and corruption
Money laundering
Terrorist financing
Regulatory violations
Reputational risks

Sources: 100,000+ global news sources in 50+ languages

Custom Watchlists

Internal Risk Management:

Blocked customers
High-risk merchants
Suspicious entities
Internal investigations
Compliance holds

Transaction Monitoring Rules

Pre-Configured Rules

Out-of-the-box monitoring scenarios:

High-Value Transactions
- Alert on transactions exceeding thresholds
- Configurable by currency and time period
- Automatic escalation for very large amounts
Rapid Movement of Funds
- Detect quick in-and-out patterns
- Flag potential pass-through accounts
- Monitor velocity across accounts
Structuring Detection
- Identify transactions just below reporting thresholds
- Pattern recognition for smurfing
- Multiple small transactions from same source
Geographic Risk
- Flag transactions to/from high-risk jurisdictions
- Monitor cross-border patterns
- Detect unusual geographic activity
Unusual Activity
- Deviation from normal behavior
- Sudden changes in transaction patterns
- Dormant account reactivation
Round Amount Transactions
- Flag suspiciously round amounts
- Detect potential money laundering indicators
- Pattern analysis across accounts

Custom Rule Builder

Create Your Own Rules:

{
  "ruleName": "Large Crypto Conversion",
  "conditions": [
    {
      "field": "amount",
      "operator": "greater_than",
      "value": 50000
    },
    {
      "field": "type",
      "operator": "equals",
      "value": "CRYPTO_TO_FIAT"
    },
    {
      "field": "accountAge",
      "operator": "less_than",
      "value": 30
    }
  ],
  "action": "FLAG_FOR_REVIEW",
  "severity": "HIGH",
  "assignTo": "senior-compliance-team"
}

Rule Components:

Conditions: Define what triggers the rule
Actions: Specify what happens when triggered
Severity: Set alert priority level
Assignment: Route to appropriate team
Notifications: Configure alert recipients

Risk Scoring

Multi-Factor Risk Assessment

Each transaction receives a comprehensive risk score:

Risk Score Calculation:
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
Identity Risk: 25%
  - KYC/KYB status
  - PEP/Sanctions screening
  - Adverse media findings

Transaction Risk: 25%
  - Amount and frequency
  - Geographic factors
  - Payment rail used

Behavioral Risk: 25%
  - Historical patterns
  - Deviation from norm
  - Peer comparison

Contextual Risk: 25%
  - Industry risk
  - Relationship risk
  - External intelligence

Final Score: 0-100

Risk Categories

Score Range	Risk Level	Action
0-30	Low	Auto-approve
31-50	Medium-Low	Enhanced monitoring
51-70	Medium	Manual review required
71-85	High	Senior approval required
86-100	Critical	Block + escalate

Dynamic Risk Adjustment

Risk scores adapt based on:

Account History: Lower risk for established accounts
Successful Reviews: Reduce false positives over time
Industry Benchmarks: Compare against sector norms
Geographic Trends: Adjust for regional risk changes
Regulatory Updates: Incorporate new compliance requirements

Compliance Dashboard

Real-Time Monitoring

Live Compliance Overview:

Active alerts and pending reviews
Transaction volume and risk distribution
Screening hit rates
Team workload and response times
Regulatory deadline tracking

Alert Management

Efficient Case Handling:

Prioritized alert queue
One-click case assignment
Bulk actions for similar cases
Collaborative investigation tools
Evidence collection and documentation

Reporting & Analytics

Comprehensive Insights:

Compliance metrics and KPIs
False positive rates
Team performance analytics
Trend analysis and forecasting
Regulatory reporting status

Regulatory Reporting

Automated Report Generation

Suspicious Activity Reports (SAR/STR)

Auto-populate from flagged transactions
Include all supporting evidence
Narrative generation assistance
Regulatory format compliance
Direct filing capability

Currency Transaction Reports (CTR)

Automatic threshold monitoring
Batch report generation
Aggregation of related transactions
Exemption management
Electronic filing

Travel Rule Compliance

FATF Travel Rule adherence
Originator/beneficiary information
Cross-border data exchange
VASP communication
Audit trail maintenance

Audit Reports

Comprehensive Documentation:

Transaction audit trails
Screening results history
Decision documentation
Policy compliance evidence
Regulator-ready formats

Use Cases

🏦 Financial Institutions

Challenge: Complex regulatory requirements across jurisdictions Solution: Automated multi-jurisdiction compliance

Simultaneous screening against global lists
Jurisdiction-specific rule sets
Automated regulatory reporting
Audit-ready documentation

Results:

90% reduction in manual screening time
99.9% screening accuracy
Zero regulatory violations
Faster transaction processing

🎮 Gaming & iGaming Platforms

Challenge: High transaction volumes with AML risk Solution: Real-time monitoring at scale

Automated player screening
Behavioral pattern detection
Rapid deposit/withdrawal monitoring
Bonus abuse detection

Results:

Process 100K+ transactions daily
Detect suspicious patterns in real-time
Reduce false positives by 70%
Maintain gaming license compliance

💱 Crypto Exchanges

Challenge: VASP compliance and Travel Rule Solution: Crypto-specific compliance tools

Blockchain address screening
Travel Rule data exchange
Crypto-to-fiat monitoring
DeFi interaction tracking

Results:

Full VASP compliance
Travel Rule adherence
Reduced regulatory risk
Improved customer trust

💼 Payment Service Providers

Challenge: Multi-rail compliance complexity Solution: Unified compliance across rails

Single compliance layer for all rails
Consistent risk assessment
Centralized reporting
Cross-rail pattern detection

Results:

Simplified compliance operations
Substantially reduced compliance costs
Faster market expansion
Enhanced risk management

Integration

API Endpoints (Coming Soon)

# Screen a transaction before processing
POST /v1/compliance/screen
{
  "transactionId": "txn-123",
  "sender": {
    "name": "John Doe",
    "country": "US",
    "accountId": "acc-456"
  },
  "receiver": {
    "name": "Jane Smith",
    "country": "GB",
    "accountId": "acc-789"
  },
  "amount": 10000,
  "currency": "USD"
}

# Response
{
  "riskScore": 25,
  "riskLevel": "LOW",
  "decision": "APPROVED",
  "screeningResults": {
    "sanctions": "CLEAR",
    "pep": "CLEAR",
    "adverseMedia": "CLEAR"
  },
  "processingTime": "87ms"
}

# Get compliance alerts
GET /v1/compliance/alerts?status=PENDING

# Review and resolve alert
POST /v1/compliance/alerts/{alertId}/resolve
{
  "decision": "APPROVED",
  "notes": "Verified legitimate business transaction",
  "reviewedBy": "compliance-officer-id"
}

# Generate compliance report
POST /v1/compliance/reports
{
  "type": "SAR",
  "transactionIds": ["txn-123", "txn-456"],
  "narrative": "Suspicious pattern detected..."
}

# Get audit trail
GET /v1/compliance/audit-trail/{transactionId}

Webhook Events

Real-time compliance notifications:

compliance.alert_created - New alert generated
compliance.high_risk_detected - Critical risk identified
compliance.review_required - Manual review needed
compliance.decision_made - Alert resolved
compliance.report_generated - Compliance report ready
compliance.threshold_exceeded - Monitoring threshold breached

Compliance Workflows

Automated Workflows

Pre-Configured Processes:

Low-Risk Auto-Approval

Transaction → Screen → Low Risk → Auto-Approve → Process

Medium-Risk Review

Transaction → Screen → Medium Risk → Queue for Review
→ Compliance Officer Review → Decision → Process/Block

High-Risk Escalation

Transaction → Screen → High Risk → Block → Alert Senior Team
→ Investigation → MLRO Review → Decision → SAR if needed

Custom Workflows

Build Your Own:

Define approval hierarchies
Set escalation triggers
Configure notification rules
Specify documentation requirements
Integrate with external systems

Regulatory Coverage

Supported Jurisdictions

✅ European Union: MLD5, MLD6, MiCA
✅ United States: BSA/AML, FinCEN, OFAC
✅ United Kingdom: MLR 2017, FCA requirements
✅ Singapore: MAS AML/CFT requirements
✅ Hong Kong: AMLO, HKMA guidelines
✅ Australia: AML/CTF Act
✅ Canada: FINTRAC requirements
✅ Switzerland: FINMA AML regulations

Compliance Standards

✅ FATF Recommendations: Full compliance
✅ Travel Rule: FATF Travel Rule adherence
✅ GDPR: Data protection compliance
✅ ISO 27001: Information security
✅ SOC 2 Type II: Security controls

Security & Privacy

Data Protection

Encryption: End-to-end encryption for all compliance data
Access Controls: Role-based access with audit logging
Data Retention: Configurable retention policies
Right to Erasure: GDPR-compliant data deletion
Data Localization: Regional data storage options

Audit & Compliance

Immutable Logs: Tamper-proof audit trails
Compliance Certifications: SOC 2, ISO 27001
Regular Audits: Third-party security audits
Penetration Testing: Quarterly security testing
Incident Response: 24/7 security monitoring

Roadmap

Q4 2026 - Initial Launch

Real-time sanctions screening
Basic transaction monitoring
Manual alert review
Standard reporting
API access

Q1 2027 - Enhanced Features

AI-powered risk scoring
Custom rule builder
Automated workflows
SAR/STR generation
Advanced analytics

Q2 2027 - Advanced Features

Behavioral analytics
Network analysis
Predictive risk modeling
Blockchain analytics
Regulator portal integration

Getting Started

Prerequisites

To access Compliance Engine, you’ll need: ✅ Active Venly Finance Account: Verified company account
✅ Compliance Officer: Designated compliance personnel
✅ AML Program: Documented AML/CFT program
✅ Risk Assessment: Completed business risk assessment
✅ Training: Compliance team training completed

Early Access Program

Join the Waitlist

Priority onboarding when available
Free compliance consultation
Discounted pricing for first 6 months
Beta testing opportunity
Dedicated compliance support

Contact: venlyfinance.com/contact

Comparison: Compliance Engine vs Manual Processes

Feature	Manual Compliance	Third-Party Tools	Venly Compliance Engine
Screening Speed	Hours	Minutes	<100ms
Coverage	Limited	Good	Comprehensive
False Positives	High (30-40%)	Medium (15-20%)	Low (5-10%)
Integration	Manual	API	Native
Cost per Transaction	€0.50-€2.00	€0.10-€0.30	€0.05
Reporting	Manual	Semi-automated	Fully automated
Updates	Manual	Periodic	Real-time
Multi-Rail Support	No	Limited	Yes

Frequently Asked Questions

How fast is the screening process?

Screening is performed in real-time with an average processing time of <100ms per transaction. This includes sanctions, PEP, and adverse media screening.

What happens if a transaction is flagged?

Flagged transactions are held pending review. Your compliance team is notified immediately and can review the case in the dashboard. You can approve, reject, or escalate based on your assessment.

Can I customize the screening rules?

Yes, you can configure risk thresholds, create custom rules, and define workflows that match your risk appetite and compliance requirements.

How are false positives handled?

Our AI learns from your decisions to reduce false positives over time. You can also whitelist known good entities and fine-tune rules to match your business.

Is the system compliant with GDPR?

Can I generate regulatory reports?

Yes, the system can generate SARs/STRs, CTRs, audit reports, and other regulatory filings. Reports are pre-populated with transaction data and evidence.

What sanctions lists are covered?

We screen against 200+ global sanctions lists including OFAC, UN, EU, UK HM Treasury, and jurisdiction-specific lists. Lists are updated in real-time.

Do I still need a compliance officer?

Yes, while Compliance Engine automates screening and monitoring, you still need qualified compliance personnel to review alerts, make decisions, and maintain your AML program.

Next Steps

Join Waitlist

Compliance Consultation

Schedule a consultation

Documentation

Review security practices

Contact Sales

Discuss your needs

Support

Questions about Compliance Engine?

Contact: venlyfinance.com/contact
Documentation: docs.venlyfinance.com
Compliance Hotline: Available 24/7 for urgent matters

Coming Soon

Documentation Index

​What is Compliance Engine?

Automated Screening

Transaction Monitoring

Regulatory Reporting

Audit Trails

​Key Features

​🔍 Real-Time Screening

​📊 Transaction Monitoring

​📝 Regulatory Reporting

​⚙️ Configurable Rules

​How It Works

​Screening Capabilities

​Sanctions Lists

​PEP Databases

​Adverse Media Screening

​Custom Watchlists

​Transaction Monitoring Rules

​Pre-Configured Rules

​Custom Rule Builder

​Risk Scoring

​Multi-Factor Risk Assessment

​Risk Categories

​Dynamic Risk Adjustment

​Compliance Dashboard

​Real-Time Monitoring

​Alert Management

​Reporting & Analytics

​Regulatory Reporting

​Automated Report Generation

​Audit Reports

​Use Cases

​🏦 Financial Institutions

​🎮 Gaming & iGaming Platforms

​💱 Crypto Exchanges

​💼 Payment Service Providers

​Integration

​API Endpoints (Coming Soon)

​Webhook Events

​Compliance Workflows

​Automated Workflows

​Custom Workflows

​Regulatory Coverage

​Supported Jurisdictions

​Compliance Standards

​Security & Privacy

​Data Protection

​Audit & Compliance

​Roadmap

​Q4 2026 - Initial Launch

​Q1 2027 - Enhanced Features

​Q2 2027 - Advanced Features

​Getting Started

​Prerequisites

​Early Access Program

Join the Waitlist

​Comparison: Compliance Engine vs Manual Processes

​Frequently Asked Questions

​Next Steps

Join Waitlist

Compliance Consultation

Documentation

Contact Sales

​Support

What is Compliance Engine?

Key Features

🔍 Real-Time Screening

📊 Transaction Monitoring

📝 Regulatory Reporting

⚙️ Configurable Rules

How It Works

Screening Capabilities

Sanctions Lists

PEP Databases

Adverse Media Screening

Custom Watchlists

Transaction Monitoring Rules

Pre-Configured Rules

Custom Rule Builder

Risk Scoring

Multi-Factor Risk Assessment

Risk Categories

Dynamic Risk Adjustment

Compliance Dashboard

Real-Time Monitoring

Alert Management

Reporting & Analytics

Regulatory Reporting

Automated Report Generation

Audit Reports

Use Cases

🏦 Financial Institutions

🎮 Gaming & iGaming Platforms

💱 Crypto Exchanges

💼 Payment Service Providers

Integration

API Endpoints (Coming Soon)

Webhook Events

Compliance Workflows

Automated Workflows

Custom Workflows

Regulatory Coverage

Supported Jurisdictions

Compliance Standards

Security & Privacy

Data Protection

Audit & Compliance

Roadmap

Q4 2026 - Initial Launch

Q1 2027 - Enhanced Features

Q2 2027 - Advanced Features

Getting Started

Prerequisites

Early Access Program

Comparison: Compliance Engine vs Manual Processes

Frequently Asked Questions

Next Steps

Support