Solutions
Compliance & Risk
AML transaction monitoring, KYC programme design, fraud prevention, regulatory compliance frameworks and merchant onboarding risk for payment institutions in GCC and European jurisdictions.
← All SolutionsAML and Transaction Monitoring
Regulators now expect payment companies to run anti-money laundering controls to the same standard as banks, because funds pass through payment systems before they reach a bank account. A monitoring programme that satisfies an auditor is not the same as one that catches financial crime. Rules-based systems are quick to deploy and easy to explain, but they produce large numbers of false positives and organised criminals learn to work around them. We help payment companies design monitoring frameworks, build calibrated typology libraries, improve alert handling and document the programme to the standard that internal audit and supervisors expect.
KYC Programme Design
KYC does not stop at onboarding. It includes periodic review and reassessment whenever a customer's risk changes. Customer due diligence (CDD) establishes identity and the purpose of the relationship; enhanced due diligence (EDD) applies when risk indicators such as PEP status, a high-risk jurisdiction or unusual activity call for closer scrutiny. We help payment companies design KYC frameworks that fit their customer base and risk appetite, with technology that raises automated processing without weakening controls.
Fraud Prevention and Detection
Fraud differs from money laundering in how it works, what it costs and how it is controlled. Account takeover, synthetic identities, social engineering and first-party misuse now cause most losses in digital payments. We advise on fraud detection architecture, machine learning model assessment, account takeover controls, synthetic identity detection at onboarding, and APP fraud detection and liability under the UK reimbursement rules.
Regulatory Compliance Frameworks
We interpret and apply PSD2 and its replacements (PSD3 and the Payment Services Regulation), card scheme rules and regional requirements. We help firms find gaps, design controls, document compliance and prepare for supervisory reviews. We cover QCB (Qatar), SAMA (Saudi Arabia), CBUAE (UAE), CBB (Bahrain), the FCA (UK) and EU national regulators, and advise on FATF Travel Rule compliance for cross-border and virtual asset transfers.
Discuss your requirements
Speak directly with a specialist in any of these areas.