# Introduction

Verestro’s AML Transaction Monitoring is a compliance solution that helps businesses detect and prevent suspicious or fraudulent transactions while maintaining full AML compliance.

The system provides **real-time transaction monitoring** based on configurable rulesets and can use **KYC data**, **end user transaction history**, and **transaction details** to support effective risk management.  
Each customer can define **custom AML rulesets** tailored to their specific risk profile and operational needs.

#### Monitor and control all suspicious transactions in one place

- Define custom rulesets that use transaction data, KYC information, and end user transaction history.
- Specify custom actions for your system to execute when a ruleset is triggered; the action logic remains on your side.
- Send notifications automatically when a transaction matches a defined ruleset.

#### Test rulesets before activating them

- Run a new or modified ruleset against historical transactions (a dry run) to see how it would have behaved — without affecting live decisions.
- Review how many transactions would have been matched, and the decisions and alerts the ruleset would have produced, then enable it once you are satisfied.
- Each test covers a selected time window of up to 7 days.

#### Suspicious entity detection

- The AML system lets you define individuals as fraudsters (blacklist) or as suspected of fraud (greylist) using their personal and address data.
- You can create rulesets that detect such entities and trigger appropriate actions.
- This enables fast identification of fraudsters across all your instances.

#### Handle screening results with human expertise

- The AML system can send notifications when a transaction is flagged by a specific ruleset.
- In the current architecture, the system can create an issue in YouTrack — a tool for managing tasks and incidents.
- These notifications allow authorized staff to review and investigate complex cases that require manual expertise.

#### Notify end users about unusual transactions

- A ruleset can notify the end user (balance owner) directly when it detects an unusual transaction.
- Notifications are sent via SMS or email using predefined templates.
- An optional cooldown period prevents repeated notifications to the same end user within a short time window.

#### Empower your AML process with AI assistance

- The AI module currently provides a numerical risk score (0–100) for each end user transaction.
- The score is calculated by a machine learning model.
- To solve the cold-start problem, the model is seeded with a predefined specification prepared by our AML specialists — for example, lists of high-risk MCC codes and the number of risk points to add for specific property values (such as additional points when the end user’s KYC risk level is high).
- We collaborate with AML specialists to continuously improve the AI model.

<p class="callout info">**Note:** Planned improvements include an AI assistant that will suggest AML ruleset and support human expertise in transaction verification and case assessment.</p>

#### How to connect with us?

There are two integration methods available:

1. Plug &amp; Play Package
2. Standalone REST API Integration

Details of both integration options can be found in the following section: [Quick start guide | Verestro Developer Zone](https://developer.verestro.com/books/aml-transaction-monitoring/page/quick-start-guide).