AML Software for Fintech & Neobanks
Compliance at Scale
Diliguard provides fintechs and neobanks with an API-driven AML compliance engine. Diliguard automates KYB and transaction scoring to match the speed of a product’s user growth, evaluating risk vectors in milliseconds before funds change hands.
The Fintech Compliance Challenge
Fintechs rely on high onboarding conversion rates while facing strict regulatory standards. The challenge is maintaining a fast user experience while executing thorough fraud prevention checks. Legacy compliance tools operate too slowly for mobile-first user flows, leaving gaps that synthetic fraud rings exploit.
API-Driven AML Compliance and Fraud Prevention
1. API Integration
Diliguard’s API allows engineering teams to integrate the intelligence suite directly into the application backend. This enables Transaction Risk Scoring during the user flow, assessing historical behavior and network origin without requiring manual intervention.
2. Automated Fraud Prevention
Ultimate Fraud Prevention cross-references synthetic identity markers and digital footprints. It identifies coordinated fraud rings during account creation by analyzing device telemetry and associated email risk scores before the account is fully provisioned.
3. Automated B2B Onboarding
Corporate KYB & Global Registry Checks queries international registries to verify business legitimacy. The system approves valid businesses and flags high-risk entities for manual review, extracting exact shareholder percentages from unstructured registry documents in real time. UBO mapping covers companies registered in the UK and the 27 EU member states.
4. Proxy and VPN Detection
Fraud rings rely on masked traffic to bypass geographic restrictions. IP & Network Intelligence identifies traffic originating from residential proxies or known VPN endpoints. The engine calculates an exact fraud probability score based on the connection type.
Frequently Asked Questions
How does Diliguard integrate AML checks into a fintech’s user flow?
The API plugs into the application backend so checks run during account creation and transactions without routing users to a separate portal. Transaction Risk Scoring, fraud prevention, and IP checks fire in milliseconds within the existing product flow.
Can Diliguard approve legitimate businesses without manual review?
Yes for most cases. Corporate KYB & Global Registry Checks pulls registry data and ownership records automatically, approving valid businesses and routing only flagged entities to a human review queue.
How does the platform detect synthetic identity fraud during onboarding?
Ultimate Fraud Prevention compares device telemetry, email risk signals, and digital footprints across accounts. When many accounts share a single device or identity pattern, the platform flags the ring before the accounts are fully provisioned.
Does transaction scoring require a human decision on every flag?
No. Transaction Risk Scoring applies risk algorithms continuously and triggers automated holds or alerts only on anomalous patterns. Analysts review the flagged transactions, not every high-volume sale.
A Day in the Life: The Head of Risk at a Neobank
Scenario: A surge of new business accounts initiates high-velocity cross-border transactions.
- Automated Interception: Diliguard’s Transaction Risk Scoring engine flags the transfer velocity and volume as high-risk anomalies.
- Data Correlation: The engine cross-references network intelligence and identifies that multiple businesses are operating from the same residential proxy network.
- Automated Action: The API triggers a freeze on the accounts and generates a detailed risk report detailing the exact proxy IP addresses and associated corporate overlaps.
- Escalation: The risk team reviews the report, files a suspicious activity report with the regulator, and keeps the accounts suspended pending the outcome.