FINTECH & NEOBANK AML COMPLIANCE
Satisfy sponsor banks and pass audits without slowing customer onboarding.
Fast-growing fintechs and embedded finance platforms cannot afford multi-day compliance backlogs or sponsor bank enforcement actions. Diliguard combines instant KYB registry lookups, live sanctions screening, sub-second transaction scoring, and synthetic fraud detection into a single compliance workspace, giving your risk team total control.
Your sponsor bank expects bank-grade compliance. Manual checks will fail.
Neobanks, payment processors, and Banking-as-a-Service (BaaS) platforms operate under relentless scrutiny from banking partners and financial regulators. A single missed shell company or sanctioned beneficial owner can lead to frozen clearing rails, heavy remediation fines, or immediate termination of your banking sponsorship.
Cobbling together disjointed identity tools creates compliance blind spots and slows legitimate users down. Diliguard provides a unified diligence engine that automates KYB registry unwrapping, PEP screening, and payment telemetry with complete audit reproducibility.
The Diliguard Standard
Three Pillars of Fintech & Neobank Compliance
1. Instant KYB & Merchant Vetting
Automate corporate entity verification, director mapping, and beneficial ownership unwrapping for commercial accounts and merchants.
- Query live registry data via Corporate KYB Checks.
- Unwrap complex cross-border ownership hierarchies in seconds.
- Verify corporate status, filing dates, and official company officers.
2. Live Sanctions & PEP Screening
Screen account holders, merchant principals, and payment counterparties against international sanctions lists and adverse news dockets.
- Screen names and aliases with AML & PEP Screening.
- Investigate founders and key executives via Executive Person Trace.
- Eliminate false positives with structured risk matching algorithms.
3. Synthetic Fraud & Transaction Scoring
Detect synthetic identities, proxy networks, and suspicious transaction velocities before fraudulent funds move through your ledger.
- Score payment velocities with Transaction Risk Scoring.
- Detect VPNs, TOR nodes, and proxy networks via IP Intelligence.
- Prevent synthetic onboarding using Fraud Prevention Controls.
The Sponsor Bank Compliance Audit
A fast-scaling European B2B payments neobank received an urgent audit notice from their primary sponsor bank. The bank required full beneficial ownership remediation and re-screening for 4,200 active corporate merchant accounts within 14 business days.
The fintech connects merchant records to Diliguard, triggering automated registry lookups across 8 European jurisdictions.
The engine automatically unwraps nested multi-tier corporate hierarchies, extracting all natural persons holding >25% control.
Live sanctions and PEP checks flag 14 high-risk shell entities with previously concealed sanctioned stakeholders.
The team delivers full audit certificates within 72 hours, passing the sponsor bank review with zero regulatory sanctions.
Frequently Asked Questions
Have questions regarding merchant KYB, sponsor bank audits, or real-time transaction scoring?
Custom volume pricing and dedicated compliance integration support available.
Talk to our solutions teamHow does Diliguard help fintechs satisfy sponsor bank requirements?
Diliguard provides bank-grade diligence records with primary registry extracts, timestamped PEP/sanctions results, and documented risk calculations that align with top-tier sponsor bank compliance mandates.
Can we use Diliguard for both merchant onboarding (KYB) and individual screening (KYC)?
Yes. Diliguard provides unified workflows covering corporate registry validation and beneficial ownership unwrapping alongside individual identity tracing, sanctions, and adverse media screening.
How does Diliguard identify synthetic identities and fraudulent applications?
Our fraud prevention and IP intelligence layers cross-correlate digital footprints, proxy connections, device fingerprints, and corporate registration dates to flag synthetic applicants before accounts are activated.
How are false positives handled during sanctions and PEP screening?
Our risk engine uses structured matching that evaluates dates of birth, nationalities, associated corporate directorships, and jurisdiction context to eliminate noise and present only verified actionable matches.
Can Diliguard be accessed via API or webhook integrations?
Yes. In addition to our web portal, Diliguard offers programmatic endpoints for triggering automated KYB checks, real-time transaction risk scoring, and continuous screening updates directly in your backend.
How do we get started?
Create your account at https://portal.diliguard.com/register to start scanning immediately, or explore our flexible plans on the Pricing Page.
Build bank-grade compliance into your fintech stack today
Screen merchants, unwrap beneficial owners, and intercept fraudulent payments with zero integration friction.