Compliance software delivery, by the numbers
03
- week delivery for KYC/AML compliance system
- 12-16
Compliance infrastructure that your regulatory context actually requires
A transaction monitoring system calibrated for one institution's customer mix produces alert volumes that are either unmanageable or too permissive for another. A platform built around your specific customer types, product mix, and transaction behaviour produces alert volumes a real compliance team can work through, with case context assembled automatically rather than pulled manually from multiple systems.
Custom KYC and AML software is the right call when the gap between a generic platform's defaults and your institution's actual regulatory obligations is wide enough that your compliance team is spending material time on workarounds, your triage queue is unmanageable, or your SAR filing workflow requires manual steps that introduce delay or documentation risk.
Capabilities
What we build
01Digital KYC and identity verification
Document capture and automated verification with liveness check prevents spoofing, and extracted data populates the customer record automatically. PEP and sanctions screening runs at onboarding against OFAC, UN, EU, and HMT lists, with KYC status stored against a decision reason and re-verification expiry.
- Built with
- Onfido · Jumio · Persona
02Ongoing monitoring and re-verification
Periodic re-verification triggers automatically by risk tier, annually for enhanced due diligence customers, every three years for standard. Adverse media and PEP re-screening runs on a scheduled basis, and trigger-based enhanced due diligence activates on material transaction pattern changes.
Rule-based monitoring, velocity, threshold, structuring, and geographic risk rules, is configured to your institution's risk appetite, not applied as a generic default. An ML anomaly detection layer runs in parallel, flagging patterns that don't match a customer's own historical behaviour.
04Alert triage and case management
The alert queue ranks by risk score, not chronologically, with workload-balanced case assignment. The investigation view assembles customer profile, transaction history, and KYC status into one screen, and false positive tracking feeds rule recalibration over time.
05SAR workflow and regulatory submission
SAR drafting pre-populates from the case record, with mandatory MLRO review before submission. Formatting matches your jurisdiction's standard, FinCEN BSA E-Filing, SOCA goAML, or AUSTRAC Online, generated automatically from the approved record, with tipping-off controls enforced throughout.
Risk score calculation runs at onboarding from customer type, geography, source of funds, and initial transaction profile, driving monitoring intensity and review frequency. Scores recalculate on significant account events, and thresholds are configurable by your compliance team without a code change.
How we work
From scope to live compliance platform
- Week 1
01Regulatory and risk scoping
We map your institution type, jurisdiction, and current monitoring approach. You leave week 1 with a written scope document and a fixed-price quote.
- Weeks 2-5
02Rule calibration and workflow design
Transaction monitoring rules and SAR workflow designed against your historical transaction data.
- Weeks 6-13
03Build and integrate
KYC, monitoring, and case management built in parallel, tested against real transaction scenarios.
- Final 2-3 weeks
04Launch and compliance training
Compliance team trained on the triage and SAR workflow before full rollout.
Why us
Why financial institutions choose RaftLabs
01Senior engineers build what they scope
The engineers who assess your compliance workflow also build the solution. No bait-and-switch, no offshore handoff after the contract is signed.
02Fixed price before development starts
We scope the work, calculate the cost, and lock it in writing before any development starts.
039 years and 100+ products shipped
Clients include Vodafone, T-Mobile, Aldi, Nike, Cisco, and Lockheed Martin. Track record building regulated financial platforms.
04We'll tell you when a generic compliance SaaS is enough
Custom software is justified by jurisdiction-specific or risk-appetite gaps, not recommended by default.
05SAR workflow with tipping-off controls built in
MLRO approval and regulator-format submission are enforced steps, not optional configuration.
Have a KYC and AML compliance project?
Tell us your institution type, the regulatory jurisdiction you operate in, and where manual steps in your current compliance workflow create bottlenecks or audit risk. We'll scope the right platform.
