Solutions
Compliance & Risk
AML transaction monitoring, KYC programme design, fraud prevention, regulatory compliance frameworks and merchant onboarding risk advisory for payment institutions in GCC and European jurisdictions.
← All SolutionsAML and Transaction Monitoring
AML compliance obligations on payment companies have expanded steadily as regulators recognised that money moves through payments infrastructure before reaching any bank account. The difference between a transaction monitoring programme that actually works and one that satisfies the auditor is substantial. Rules-based systems are fast to deploy and easy to explain to regulators, but generate high false positive volumes and are straightforward for sophisticated actors to circumvent. We work with payment companies to design transaction monitoring frameworks, build calibrated typology libraries, optimise alert management workflows, and prepare documentation that satisfies internal audit and external regulatory scrutiny.
KYC Programme Design
Know Your Customer is not a one-time onboarding check, it is an ongoing obligation that extends to initial onboarding, periodic review and re-assessment when risk changes. CDD establishes the identity and purpose of a relationship; EDD applies when risk indicators, PEP status, high-risk jurisdiction, unusual patterns: demand deeper scrutiny. We help payment companies design KYC frameworks calibrated to their customer base and risk appetite, supported by technology integrations that raise automated processing rates without compromising regulatory integrity.
Fraud Prevention and Detection
Operational fraud, account takeover, synthetic identity, social engineering, first-party misuse, differs in its mechanics, commercial impact and the controls needed to address it from money laundering. These fraud types are the primary drivers of losses across digital payment channels. We advise on fraud detection architecture, machine learning model assessment, ATO prevention controls, synthetic identity detection in onboarding, and APP fraud detection and liability management under the UK reimbursement framework.
Regulatory Compliance Frameworks
Interpretation and operationalisation of PSD2/PSD3, PSR, card scheme rules and regional regulatory requirements. We help companies identify gaps, design controls, document compliance, and prepare for regulatory examination. Jurisdictions covered include QCB (Qatar), SAMA (Saudi Arabia), CBUAE (UAE), CBB (Bahrain), FCA (UK), and EU national competent authorities. We also advise on FATF Travel Rule compliance for cross-border transfers and virtual asset transactions.
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