DigiDoe Financial Intelligence

An evidence-native operating system for AML, KYC, KYB, sanctions, transaction monitoring, fraud, investigations and FIU (Financial Intelligence Unit) reporting - unified in a single architecture, designed from inception around the supervisory evidence chain that the EU AMLR requires from 10 July 2027.

From alert-centric. To evidence-native.

-Traditional bank-grade AML platforms are alert-centric. They ingest transactions, apply scenarios, generate alerts, and route them into case management. Excel at the layer they were designed for - but the supervisory question is no longer only "did the system generate an alert?"

-The new question, embedded throughout the EU AMLR, is fuller: can the institution demonstrate, end to end, why this customer was accepted, how the beneficial owners were verified, what risks were known at each point in time, why alerts were closed or escalated, what evidence supported the SAR/STR decision, and whether governance controls actually function as intended?

-DigiDoe Financial Intelligence is built around that the broader question. Every risk signal is linked to verified identity, corporate ownership, source-of-funds and source-of-wealth evidence, transaction behaviour, sanctions exposure, investigator action, decision rationale and retention policy - in one continuously updated, regulator-ready evidence graph.

Intelligent Onboarding

Risk-based journeys for individuals, companies, funds, trusts, SPVs and public entities. Document AI extracts identity, ownership and constitutional documents. Expected behaviour, source of funds and source of wealth captured at the start - and reused as live monitoring features.

CDD, KYB & Beneficial Ownership

Native graph for direct and indirect ownership across companies, trusts, funds and nominee structures. AMLR-aligned UBO threshold engine, control-by-other-means logic, and senior managing official fallback. Perpetual KYB monitors directors, shareholders, sanctions and geography.

Sanctions, PEP & Adverse Risk

Continuous screening across customers, UBOs, controllers, signatories and counterparties - with full ownership-and-control sanctions logic. Re-screens on list updates, ownership changes and new transactions, with alert-level explainability.

Ongoing Transaction Monitoring

Scenario, behavioural, graph and real-time monitoring tied to expected behaviour captured at onboarding. Fraud and AML converge in one risk fabric - APP fraud, mule activity, synthetic identity, structuring, pass-through, nesting and corridor anomalies.

Investigation & Case Management

Unified queue across AML, sanctions, PEP, fraud, onboarding and KYB. Entity-centric case view, network visualisation, and an AI assistant that summarises facts, identifies missing evidence and drafts notes - with explicit human approval at every decision point.

FIU Reporting & SAR/STR

Jurisdictional templates, narrative assistant grounded in case evidence, evidence-bundle generator, MLRO approval workflow, FIU request management, and built-in tipping-off controls. Post-filing monitoring is automatic.

Governance, Audit & Control Assurance

Policy-as-code, model governance, scenario governance, automated control testing, audit workbench, board-and-MLRO MI dashboards, and outsourcing evidence - designed for AMLR demonstrability from day one.