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