Compliance that sees the money others miss.
Manage money laundering and terrorist financing risk end to end: SARLAFT risk matrix, AI-driven risk profiling, transaction monitoring and money mule detection with Cerebrito, all the way to an STR ready for the UIAF, Colombia's financial intelligence unit.
Know. Monitor. Report.
The FRAML MS AML module covers the entire SARLAFT cycle (Colombia's AML/CFT risk management system) on a single platform, with Cerebrito as the intelligence layer that connects every signal.
Customer and risk
- 360° profile of customers and counterparties
- Inherent and residual SARLAFT risk matrix
- AI-driven risk factor segmentation
- PEPs, relatives and political campaigns
AML/CFT signals + Cerebrito
- Configurable rules and AI models
- Money mule and straw man detection
- Network graphs and fund flows
- Tiered escalation workflows
STRs and regulatory reports
- STR documentation and UIAF certificates
- Regulatory reports in the required file format
- Traceable handling of court and law enforcement requests
- International information-sharing agreements
Share transaction data with FRAML MS AntiFraud: a single customer view for fraud and AML/CFT.
The Compliance Officer's console, from risk matrix to report.
Every SARLAFT stage documented, rated and traceable in one place, with CSV and PDF reports for committees, auditors and supervisors.
Your SARLAFT matrix, live and measurable
Document, rate and monitor AML/CFT risks using your organization's own methodology, without spreadsheets.
- Full configuration: stages, risk levels, impact, likelihood, causes, processes and factors.
- Inherent and residual risk: controls linked to causes, with effectiveness assessment and bulk upload.
- Action plans with follow-up for the risks that need them.
- Heat map and comparison between the current and previous matrix.
Heat map · Residual riskCurrent
Know your customer beyond the onboarding form
Every customer or counterparty with their financial history, international flows and a risk level calculated by artificial intelligence.
- Basic data: individual or legal entity, economic activity and PEP status.
- Automatic net worth variance: flags disproportionate increases between reported financial year-ends.
- International transactions by country to detect triangulation through tax havens.
- Profile risk level defined by your organization and calculated by the model.
Profile risk levelHIGH
Fictitious data for illustration purposes.
Segments that reflect how your portfolio really behaves
Segment customers, products, channels and jurisdictions manually or with artificial intelligence models, and compare each customer against their peer group.
- Four factors: customer, product, channel and jurisdiction, as required by SARLAFT.
- AI modeling: unsupervised clustering and outlier detection within each segment.
- Reports by jurisdiction and customer distribution by segment.
Segmentation · Customer factorAI model
Red dots are customers whose behavior falls outside their segment.
AML/CFT rules built by your team, no coding required
Design typologies with a visual builder and combine them with AI and graphs to detect unusual transactions.
- Rule builder: field, operator, data type (date, number, lists, tables), value and logical operator.
- Communication template linked to each rule.
- Escalation workflows by tier and approval order.
- Management reports: signals by status, rating and jurisdiction, in CSV and PDF.
Rule · Cash structuringHigh
Other active typologies
Customers who require enhanced due diligence, under control
Dedicated management for every sensitive population, with escalation workflows and reports by jurisdiction.
- PEPs and relatives: documented flagging from the customer record, listing and case management.
- Political campaigns and parties: identification and tracking of organizations and electoral processes.
- International tax information-sharing agreements, configurable by country.
- 3,000+ sanctions lists and watchlists and sources for KYC/KYB.
Enhanced due diligenceIn progress
Linked 1st-degree relativeContributions under reviewCustomer with tax residency in 2 countriesName-match validationReport on time, with every piece of evidence in place
From the analyzed case to regulatory evidence, without rebuilding case files or assembling report files by hand.
- STR documentation: supporting evidence, due diligence and certificates issued by the UIAF.
- Regulatory reports: select the period and download the file ready to upload to the UIAF.
- Court and law enforcement requests: logging, persons named, handling and response, with reports by requesting authority.
- Full audit trail of who did what, when and from where.
Regulatory reports · Current periodUp to date
Evidence: 12 · UIAF certificate attachedFile generated · ready to upload3 persons named · response in progressDue in 5 days
An AI-powered AML/CFT analyst that never stops investigating.
Cerebrito brings its cognitive layer to AML/CFT risk: it talks with the Compliance Officer in plain language, connects accounts, devices and counterparties, and flags money mule networks before the money disappears.
AI compliance chat
“Which PEP customers had unusual transactions this month?” Instant answers and summaries.
Money mule detection
Correlates inflows, outflows, devices and identities to prioritize the accounts acting as pass-throughs.
Forensic rule monitor
Measures the efficiency of each AML/CFT typology and suggests recalibrating, loosening or retiring ineffective rules.
Model audit
Assesses data quality and the behavior of segmentation and rating models.
Follow the money from end to end.
The graph engine maps senders, pass-through accounts, devices, IPs and ultimate beneficial owners in real time to expose laundering structures, straw men and money mule networks.
A complete case, from signal to report, in a single case file.
Every alert arrives with the context the analyst needs, and every decision is documented for the committee, the auditors and the UIAF.
AML/CFT red flag
Rules, AI models and graphs identify the unusual transaction and score it.
Investigation in context
360° profile, net worth variance, relationship network and Cerebrito's summary on the same screen.
Tiered decision
The case moves up the approval workflow defined by your organization, all the way to the Compliance Officer.
Documented STR
Evidence, due diligence and the UIAF certificate filed with a full audit trail.
Fictitious case for illustration purposes.
Proprietary technology + AML/CFT expertise.
With roots going back to 2002 and AMLRISK experience since 2007, we support banks, fintechs, credit unions, trust companies, insurers and brokerage firms in Colombia and Latin America.
Fraud and AML on a single platform
The second module at no extra cost: one integration, one customer view.
go-live in 4 months
Core integration via API and Dynamic Message Mapping; value you can see from the pilot run.
Your data stays with you
No transfer to third parties, in compliance with Colombia's data protection law (Law 1581 of 2012).
World-class infrastructure
Runs on Oracle Cloud (OCI), with a 99.9% availability commitment.
Ongoing support
Rule and model calibration, monthly continuous-improvement committees and expert support.
Regional regulation, understood
Terminology, workflows and reporting adapted to each country's framework.
From the first meeting to production, with a clear plan.
Discovery
Assessment of your SARLAFT, risk factors and data sources.
Segmentation and model
Design of segments, risk matrix and AML/CFT typologies.
Testing and tuning
Validation, calibration, training and handover.
go-live
Production launch with ongoing support and continuous-improvement committees.
See how FRAML MS AML and Cerebrito detect a money mule network and take it all the way to the STR.
Book a 45-minute demo with our AML/CFT compliance specialists. We'll walk you through the full cycle using scenarios from your organization.