AML L1 alert review, automated and explainable.
Indian compliance teams spend disproportionate effort on L1 alert triage — the first pass where most alerts turn out to be benign but every one needs a documented disposition. Vihaya's agent reads the alert, the transaction history, the customer profile, and the typology guidance, then writes a cited disposition. Your compliance analysts review the routed cases, not the obviously-clear ones.
Alert types in scope
Sanctions screening
Match-quality assessment grounded in OFAC / UN / India SDN lists. Touchless rate 60%+.
Threshold breaches
STR / CTR pattern review against the customer's profile and historical baseline. Cited deviation rationale.
Structuring / smurfing
Pattern detection across customer accounts and counterparties. Cited typology + transaction trail.
Correspondent banking
For banks with international presence: SWIFT message review against the country-risk and FATF guidance.
AML alert review FAQ
What's the L1 triage rate?
The architecture is designed to disposition a meaningful share of L1 alerts automatically as clear-with-explanation, freeing compliance analysts for the L2 review of genuinely suspicious cases. The achievable share varies by typology and is tuned per pilot — Vihaya is pre-revenue and the first design-partner engagements will set the published reference.
Is this defensible under PMLA?
Yes. The Prevention of Money Laundering Act and FIU-IND typology guidance require explainable, audited decisions. Every disposition is one immutable row with citations to the underlying transaction patterns and the typology bulletin that informed it. No alert is auto-cleared below the confidence floor.
How does it integrate with our transaction-monitoring system?
Plugs in as an L1 review service. Your TMS (Actimize, SAS, in-house) continues to generate alerts; Vihaya is called for the L1 disposition. Output writes back to the alert with the cited rationale attached.
What about FATF and cross-border requirements?
FATF Recommendations and India's FIU-IND guidance are pre-loaded into the corpus. For banks with cross-border presence, the engagement extends the corpus with FATF country-risk guidance and the bank's correspondent-banking policy.
Want to see this in your environment?
30-minute discovery call. Draft SOW within 5 business days.
Talk to us about a pilot →