Smile logo
Assess & Monitor

AML, sanctions, and watchlist — settled.

Automatic screening against blacklists, sanctions lists, and negative-marker databases at onboarding and on every account change — with ongoing re-screening so new matches surface after approval, not just at it. Coverage is built to line up with the anti-fraud and transaction-monitoring regulations banking regulators worldwide are increasingly mandating.

See the full platform

Last updated:

Overview

AML and watchlist screening that doesn't stop at onboarding

A one-time AML check at signup catches the applicant who was already on a sanctions list the day they applied. It doesn't catch the customer who gets added to a watchlist six months later, or the account that changes its registered beneficiary right before a large transfer — both classic precursors to fraud and money laundering that a point-in-time check will always miss.

Smile screens against blacklists, sanctions lists, and negative-marker databases at onboarding, on every account or beneficiary change, and again on an ongoing schedule you control. The same detection categories — blacklist screening, geolocation checks, and behavioral anomaly detection — mirror what a growing number of banking regulators worldwide now require of supervised financial institutions, so AML coverage and local regulatory compliance draw from the same underlying checks instead of two separate systems.

Coverage varies by product. Blacklist screening is available for the Philippines, Indonesia, and Mexico.

What you get

Features

Blacklist and negative-marker screening
Screen applicants and businesses at onboarding and again on every account or beneficiary change.
Geolocation and behavioral-anomaly monitoring
Detection categories increasingly mandated by banking regulators, flagging activity inconsistent with a customer's usual pattern.
Configurable list sources
Screen against global, regional, and internal list sources — not just a single fixed sanctions database.
Ongoing re-screening
Re-screen approved customers on a schedule you control, so a new match surfaces as an alert instead of going undetected.
Full compliance audit trail
Every check and match is logged, giving compliance teams a complete record for regulatory review.
Why it matters

Benefits

Close the ongoing-risk gap
Re-screening on a schedule catches customers who become high-risk after onboarding, not just those who were already flagged at signup.
One system for AML and local compliance
The same blacklist, geolocation, and behavioral-anomaly checks satisfy both AML screening needs and the transaction-monitoring rules many banking regulators now mandate.
Fewer manual compliance reviews
Configurable list sources and automated matching reduce how much sanctions and watchlist screening falls to manual review.
Audit-ready by default
A complete compliance audit trail means regulatory reporting doesn't require reconstructing screening history after the fact.
FAQ

Common questions

What lists does Smile screen against?

Smile screens applicants and businesses against blacklists, sanctions lists, and negative-marker databases, with configurable list sources spanning global, regional, and internal lists a business maintains itself.

Why does screening happen more than once?

A customer who passes a screen at onboarding can appear on a watchlist later, or change account details in a way that signals takeover. Screening only once leaves that risk undetected, so Smile re-screens on an ongoing schedule and checks again on every account or beneficiary change.

How does Smile's screening align with local banking regulations?

Banking regulators in a growing number of markets are introducing anti-fraud legislation that mandates specific detection categories — transaction velocity monitoring, account-takeover and change-of-details monitoring, geolocation checks, blacklist screening, and behavioral anomaly detection. Smile's Assess and Monitor stages are built to cover each of these categories, so the same infrastructure that powers AML screening also lines up with the anti-fraud requirements your local regulator introduces.

Is there an audit trail for AML and watchlist checks?

Yes. Every screening event and match is logged with a full compliance audit trail, so a compliance team can demonstrate exactly when a check ran, what it matched against, and what action followed.

Get connected

Ready to get connected?

Start with one capability or deploy the full lifecycle — Smile plugs into your existing onboarding and underwriting flows either way.

Contact sales