Detect financial crime, prioritise real risk, and investigate faster with dual-rail AI — every decision audit-grade by construction. AML, sanctions, fraud, payments, identity, cyber and ABC on one governed, explainable platform.
37 modules · 895 capabilities · 550+ AI-powered features · one immutable audit trail
Every domain runs as a governed peer on shared building blocks — 37 modules and 895 capabilities from ingestion through dual-rail AI decisioning, entity intelligence, and investigation to regulatory filing — each with provenance from source to decision and one-hop audit traceability.
The four stages run continuously across every entity under coverage. Each carries its own governance receipt — with execution contracts, promotion gates, and human-in-the-loop oversight at every critical decision point.
Stream transactions, KYC documents, watchlist updates, screening results, and third-party intelligence into a unified canonical entity graph — with full provenance from source to decision, on event-driven and entity-driven rails.
A transaction rail returns allow/block/refer/step-up decisions in under 200ms p99, while a parallel behavioural rail updates entity risk posture within 5 minutes using sequence models, graph neural networks, and anomaly detection. Latency isolation by construction — and every model climbs a governed shadow → canary → active promotion ladder.
An immutable explainability payload is generated for every rule, ML, and LLM decision: SHAP/LIME attribution, counterfactual reasoning, model/rule/policy versions, feature lineage, and a natural-language rationale rendered inline with the alert. Built for EU AI Act and SR 11-7 by construction — reconstruct any decision years later.
Unified cross-domain case investigation, AI-assisted SAR/STR/CTR narratives, and deadline-shaped filing (SAR 30 days, CTR 15 days) with idempotent, signed evidence submission. Outcomes feed the S1–S7 closed-loop learning path through four governance gates — with mandatory human-in-the-loop sign-off before any model goes live.
Hover to expand. Each domain is a governed peer module on shared building blocks — added through a zero-mutation expansion protocol, never by forking the core.
Converge sanctions, PEP and adverse-media screening with transaction monitoring on dual-rail AI — sub-second payment decisions plus continuous behavioural scoring. Every alert carries an immutable, replayable explanation and one-hop audit lineage.
Stop application, identity, APP-scam, account-takeover and card fraud in real time. Behavioural biometrics, device intelligence and graph analytics feed sub-second decisioning on the transaction rail — every block explained and replayable.
The only platform that natively bridges SOC/cyber signals — C2-IP correlation, session hijack, BEC — into unified cross-domain risk scoring that can floor an entity to CRITICAL. Detect account takeover and cyber-enabled fraud across one entity graph.
Regulation modelled as versioned data, not code forks — one codebase serving 50+ jurisdictions via overlays. Deadline-shaped filing (SAR 30d, CTR 15d) with idempotent, signed evidence submission and a 7-year hash-chained audit trail. Built for examiners, not just dashboards.
Built from the ground up — 37 modules, 895 capabilities, 9 graph types, one governed AI engine — delivering coverage across every market you operate in.
AML, fraud, sanctions, payments, identity, cyber and ABC run as governed peers on shared building blocks — not ten point solutions stitched together. 37 modules, 895 capabilities, one audit trail.
A sub-200ms transaction rail and a sub-5-minute behavioural rail run in parallel on a unified signal bus — so deep-model latency can never breach real-time decision SLAs.
Every rule, ML and LLM decision carries an immutable explainability payload — SHAP/LIME, counterfactuals, and plain-language rationale — generated at decision time for EU AI Act and SR 11-7.
Every strategic claim resolves to a technical artifact in one hop; every state change is a SHA-256 hash-chained event. Reconstruct any decision, exactly, years later.
Models improve along a governed seven-stage path (S1–S7) through four blocking gates with mandatory human sign-off — making silent model decay impossible.
Regulatory thresholds, lists and deadlines are versioned data overlays, not code. One codebase serves 50+ jurisdictions with sub-day regulatory updates — no forks.
Database-layer tenant isolation (Row-Level Security with FORCE) and zero-trust mTLS. Critical-Regulated controls — sanctions, SAR filing — fail closed, with no bypass or cache-only fallback.
Error budgets are driven by regulatory deadlines — SAR 30 days, CTR 15 days, sanctions lists within 24 hours — at a 99.95% SLO, so missed filings are architecturally impossible.
See how ArQulus unifies customer onboarding, screening, monitoring, investigation, and regulatory reporting into one governed, explainable platform.
Or contact us directly at [email protected]