Introduction

​

The Amlyze Solution

The Amlyze API serves as the primary gateway to the broader Amlyze ecosystem, a modular, cloud-native platform engineered to address the full spectrum of Anti-Money Laundering (AML) compliance obligations. Built for high availability and security, the solution is designed with an “API-first” philosophy. It allows financial institutions to seamlessly integrate complex compliance workflows—from data submission to decisioning—directly into their core banking or financial systems. The platform operates on a strict core data model that links three primary objects:

• Customers: The foundational entities (individuals or organizations).
• Accounts: Financial identifiers linked to customers.
• Operations: Transactions associated with accounts.

This interconnected structure ensures that all monitoring and screening activities are contextually accurate, audit-ready, and correctly attributed to the specific entity.

​

The Amlyze API

The Amlyze API is a comprehensive suite of tools designed to embed automated Anti-Money Laundering (AML) compliance workflows directly into your application. It provides the necessary endpoints to manage customer lifecycle, screen entities against various watchlists, and monitor transactions in both real-time and retrospectively. The Amlyze API delivers three core capabilities to automate your compliance program:

• Customer Risk Assessment: Enables dynamic risk scoring for new and existing clients through a powerful, configurable rule engine to automate risk-based decisioning.
• Transaction Monitoring: Facilitates both real-time (pre-transaction) and retrospective (post-transaction) analysis of financial operations to detect and flag suspicious activity.
• Screening: Checks customers, related entities (like UBOs or directors), and transaction counterparties against global Sanctions, Politically Exposed Persons (PEP), Adverse Media, and custom internal watchlists.

In addition to supporting single-object requests, the Amlyze API also supports bulk imports of customers, operations, and accounts. While the API facilitates the immediate transmission of data, the Amlyze solution utilizes webhooks for asynchronous communication. This ensures that time-intensive processes—such as detailed retrospective analysis or manual case investigations—do not impact the performance of your client-facing application. Results and status updates are pushed back to your system automatically as they are completed. To support time-critical flows like instant payments (e.g., SEPA Instant), the API employs a dual-queue architecture, routing real-time operations to a dedicated “Priority Queue” distinct from the “Regular Queue” used for background tasks. This segregation guarantees that instant payments receive near-immediate compliance decisions, meeting strict SLAs without interference from heavy batch processing loads.