AML Rail

Anti-money laundering screening and monitoring endpoints.

Overview

The AML rail provides:

Sanctions screening
Transaction monitoring
Suspicious activity detection
Regulatory reporting

Endpoints

Screen Entity

POST /v1/aml/screen

const screening = await iof.aml.screen({
  entity: {
    type: "individual",
    name: "John Doe",
    dateOfBirth: "1980-01-15",
    nationality: "US",
  },
  lists: ["ofac", "eu", "un"],
});

Response:

{
  "id": "screen_abc",
  "status": "clear",
  "matches": [],
  "riskScore": 5,
  "screenedAt": "2024-01-15T10:30:00Z"
}

Monitor Transaction

POST /v1/aml/transactions

const result = await iof.aml.monitorTransaction({
  transactionId: "txn_123",
  type: "transfer",
  amount: 50000,
  currency: "USD",
  sender: { id: "cust_abc" },
  receiver: { id: "cust_def" },
});

Response:

{
  "id": "mon_xyz",
  "transactionId": "txn_123",
  "riskLevel": "low",
  "alerts": [],
  "recommendation": "allow"
}

Get Screening

GET /v1/aml/screenings/:id

const screening = await iof.aml.getScreening("screen_abc");

List Alerts

GET /v1/aml/alerts

const alerts = await iof.aml.listAlerts({
  status: "open",
  riskLevel: "high",
  limit: 20,
});

File SAR

POST /v1/aml/reports/sar

const sar = await iof.aml.fileSAR({
  alertId: "alert_123",
  narrative: "Suspicious pattern detected...",
  filingType: "initial",
});

Sanctions Lists

List	Description
`ofac`	US OFAC SDN List
`eu`	EU Consolidated List
`un`	UN Security Council
`uk`	UK HMT Sanctions
`local`	Jurisdiction-specific

Risk Levels

Level	Score	Action
`low`	0-30	Auto-approve
`medium`	31-60	Enhanced monitoring
`high`	61-80	Manual review
`critical`	81-100	Block and investigate

Alert Types

Type	Description
`sanctions_hit`	Sanctions match found
`unusual_pattern`	Unusual transaction pattern
`velocity`	High transaction velocity
`structuring`	Potential structuring
`geographic`	High-risk geography

Webhooks

Event	Description
`aml.screening.completed`	Screening completed
`aml.alert.created`	New alert created
`aml.alert.escalated`	Alert escalated

Next Steps

KYC Rail - Customer verification
Compliance Rail - Regulatory compliance