AML Screening
Real-time risk detection against 1,300+ global watchlists
Screen users against global sanctions, PEP, and watchlist databases in real time. Two-score risk system with configurable compliance thresholds.
Overview
Advanced screening with AI-powered risk assessment
Nexvia's AML Screening provides real-time risk detection by screening users against global watchlists and databases. The solution combines advanced data matching with AI-powered risk assessment to ensure regulatory compliance while maintaining a smooth user experience.
Key Concepts
Match Score vs Risk Score
Nexvia uses a two-score system for AML screening — separating identity confidence from entity risk level.
Match Score (Identity Confidence)
Is this match the same person we're screening?
- Name similarity (fuzzy matching)
- Date of Birth comparison
- Country / Nationality
- Document Number (Golden Key override)
Threshold: Match Score Threshold (default: 93). Below = False Positive, at or above = Unreviewed.
Risk Score (Entity Risk Level)
How risky is this entity if it's a true match?
- Country risk (30%)
- Category — PEP / Sanctions / etc. (50%)
- Criminal records (20%)
Thresholds: Approve Threshold (default: 80), Review Threshold (default: 100).
Screening Flow
How AML screening works
- 1
Screen against watchlists — returns potential matches (match score ≥ 75% included)
- 2
For each match, calculate Match Score: (Name × W1) + (DOB × W2) + (Country × W3)
- 3
Classify match by match score — below 93 = False Positive, at or above 93 = Unreviewed
- 4
For unreviewed matches, calculate Risk Score: (Country × 30%) + (Category × 50%) + (Criminal × 20%)
- 5
Determine AML status — below approved threshold = Approved, between thresholds = In Review, above review threshold = Declined
Match Review Statuses
| Status | Description | When Assigned |
|---|---|---|
| False Positive | Match is likely NOT the same person. | Match score below threshold. |
| Unreviewed | Match is a possible match requiring review. | Match score at or above threshold. |
| Confirmed Match | Match verified as the same person. | Manually set by compliance officer. |
| Inconclusive | Unable to determine if match is the same person. | Manually set by compliance officer. |
Final AML Status
| Risk Score | Status | Action |
|---|---|---|
| Below Approved Threshold (80) | Approved | Auto-Cleared |
| Between Thresholds (80–100) | In Review | Manual Review |
| Above Review Threshold (100) | Declined | Automatic Rejection |
If all matches are false positives, the result is Approved.
Key Features
Built for compliance teams
Comprehensive Data Extraction
- Extract data from user-provided information or identity documents using advanced OCR
- Fuzzy logic accounts for name variations and misspellings
Extensive Watchlist Coverage
- Sanctions lists from government and international bodies
- Politically Exposed Persons (PEPs)
- Criminal records and adverse media mentions
- Custom watchlists configurable per client
Advanced Matching Algorithms
- Fuzzy matching for slight name and detail variations
- Multiple data points: name, DOB, nationality, identifiers
- Golden Key logic — document number match can override scores
Two-Score Risk Assessment
- Match Score (0–100): identity confidence — False Positive vs Unreviewed
- Risk Score (0–100): entity risk level — Approved / In Review / Declined
Detailed Adverse Media Screening
- Financial crimes, violent crimes, terrorism, narcotics
- Fraud and regulatory violations
- 415+ risk categories across 50k+ news sources
Customizable Screening Parameters
- Adjustable sensitivity based on risk appetite
- Select watchlists and categories per requirement
- Configurable match and risk score thresholds
Configuration
Configurable thresholds
Customize security levels based on your risk tolerance and compliance requirements.
Match Score Configuration
| Setting | Default | Description |
|---|---|---|
| Match Score Threshold | 93 | Below = False Positive |
| Name Weight | 60 | Weight for name similarity |
| DOB Weight | 25 | Weight for date of birth |
| Country Weight | 15 | Weight for country/nationality |
Risk Score Thresholds
| Setting | Default | Description |
|---|---|---|
| Approved Threshold | 80 | Below = Approved |
| Review Threshold | 100 | Above = Declined |
How It Works
From data extraction to decision
Data Extraction
Extract relevant information from user-provided data or uploaded identity documents using advanced OCR, with fuzzy logic to handle misspellings.
| Input | Method |
|---|---|
| Identity Documents | Advanced OCR Technology |
| User-Provided Data | Direct Input + Fuzzy Logic |
Watchlist Screening
Cross-check extracted data against 1,300+ global watchlists in real time including OFAC, EU, UN sanctions, PEPs, criminal records, adverse media, and custom watchlists.
Match Score Calculation
| Factor | Weight | Description |
|---|---|---|
| Name Similarity | 60% | Fuzzy matching |
| Date of Birth | 25% | Exact or partial DOB comparison |
| Country/Nationality | 15% | Country comparison |
Golden Key: document number match can override to 100%.
Risk Score Calculation
| Factor | Weight | Description |
|---|---|---|
| Category | 50% | PEP level, sanctions type |
| Country Risk | 30% | Risk rating of countries |
| Criminal Records | 20% | Criminal history severity |
Result Generation
A detailed report is generated with full transparency:
- Each match's match score and risk score with breakdowns
- Match classification (False Positive vs Unreviewed vs Confirmed)
- Source database and category details for every hit
- Results via API response, webhook, or Business Console
- Automatic decisioning based on configured thresholds
Data Reference
AML hit data & dataset categories
Dataset Categories
| Value | Description |
|---|---|
| PEP | Politically Exposed Person (general) |
| PEP Level 1 | Heads of State, Senior Politicians, Supreme Court Judges |
| PEP Level 2 | Members of Parliament, Ambassadors, Military Leaders |
| PEP Level 3 | Local government officials, mid-level civil servants |
| PEP Level 4 | RCA (Relatives and Close Associates) of PEP individuals |
| Sanctions | International and national sanctions lists (OFAC, EU, UN, etc.) |
| Adverse Media | Negative news articles related to financial crime |
| Warnings and Regulatory Enforcement | Regulatory warnings and compliance alerts |
| Fitness and Probity | Fitness and probity registers from financial regulators |
| SIP | Special Interest Person Lists |
| SIE | Special Interest Entity Lists |
| Insolvency | Insolvency and bankruptcy registers |
Sanction Match Fields
| Field | Type | Description |
|---|---|---|
| List_Name | String[] | Name(s) of the sanction lists |
| Matched_name | String | Name as it appears in the sanction list |
| Description | String | Description of the sanction entry |
| Reason | String | Free-text reason for the listing (from sanctioning authority) |
| Legal_basis | String[] | Legal basis for the sanction |
| Sanction_program | String[] | Sanction program(s) the entity is listed under |
| Sanctioning_authority | String[] | Authority that imposed the sanction |
| Listed_on | String[] | Date(s) when the entity was listed |
| Source_url | String | URL to the source |
Warning Case Types
| Value | Description |
|---|---|
| Accusation | Formal accusation or charge |
| Arrest | Arrest record |
| Bribery | Bribery-related case |
| Criminal | General criminal case |
| Fraud | Fraud-related case |
| Illegal Fundraising | Illegal fundraising activity |
| Non-Conviction Terror | Terrorism-related listing without conviction |
| Proclaimed Offender | Officially proclaimed offender |
| Regulatory Enforcement | Regulatory enforcement action |
| Terrorism | Terrorism-related case |
Coverage
Comprehensive AML coverage
Watchlist & Sanctions Screening
Up-to-date coverage of sanctions, watchlists, law enforcement, and regulatory databases including OFAC SDN, UN, EU, HM Treasury, FBI/Interpol Most Wanted, and exclusion/debarment lists.
PEPs, RCAs & State-Owned Entities
Screen for PEPs across various tiers, Relatives and Close Associates (RCAs), and entities with political ties such as state-owned or state-invested businesses.
Adverse Media & Negative News Screening
Analyze 50k+ global news sources, tagging records across 415+ risk categories for structured sentiment analysis including allegations, investigations, and convictions.
Crime & Financial Crime Categories
Coverage for fraud, misappropriation, corruption, tax evasion, drug trafficking, bribery, and anti-corruption offenses.
Terrorism & Insurgency
Detect connections to terrorist activity including support networks, financiers, and operational personnel — pre- and post-official designation.
Geopolitical & Country Risk
Flag activities linked to high-risk countries (FATF grey/blacklisted, embargoed nations) and entities like shell banks or sanctioned state financial institutions.
Regulatory, Judicial & Enforcement Risk
Coverage for court rulings, regulatory actions (fines, debarments), and asset seizures and enforcement measures.
Special Interest & Corporate Entities
Shell banks, state-backed financial entities, bogus institutions, and corporates under sanction or regulatory scrutiny.
Start screening today
Integrate AML screening into your verification workflow with a single API call. Configurable thresholds, real-time results, and full audit trail included.