What Is AML Software?
AML software helps companies comply with regulations and fight financial crime by automating customer screening and monitoring. It checks clients against sanctions, PEPs, watchlists, and adverse media, enhancing KYC/KYB processes with AI and rule-based systems. By reducing manual work and continuously monitoring transactions, it supports audits and generates detailed compliance reports.
Key Features for AML Software
You need AML software that ensures security, compliance and a seamless user experience at every step of the customer journey. Here’s how AML software plays a crucial role throughout the customer lifecycle:
- Customer onboarding: A secure onboarding process sets the foundation for compliance and trust. Regulations require verifying if a new user is eligible for business, which involves checking AML screening lists like PEPs, sanctions, and financial crime watchlists. Understanding your industry’s requirements ensures proper compliance.
- Ongoing due diligence: AML efforts don’t stop at onboarding—continuous monitoring keeps all customers in a secure environment. Instead of excessive scrutiny, focus on a risk-based approach tailored to your business. AML software with custom rules and automated checks helps identify risks effectively while minimizing false negatives.
- Complete transaction monitoring: Simply tracking high-value transactions isn’t enough. A stronger AML strategy combines transaction monitoring with digital signals and data points, offering deeper insights into customer behavior for better decision-making.
- Robust feedback loops: A successful AML program relies on continuous learning and improvement. Machine learning enhances fraud detection by spotting patterns invisible to humans. However, these algorithms must remain transparent to ensure alerts accurately flag suspicious activity.
Frictionless onboarding, full monitoring, and AI decisioning, learn about the top AML software.
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Top 10 AML Software Vendors
Disclaimer: All information in this article is based on publicly available sources gathered through online research. We haven’t tested each tool directly. The content was last updated in Q2 2025. If you spot anything outdated or would like to suggest an update, feel free to get in touch.
1. SEON
Imagine having all your AML and fraud prevention data in one place. With SEON, you can screen for PEPs, sanctions, adverse media, RCAs, and SIEs/SIPs, while also integrating digital profiling and device fingerprinting from customer onboarding—like email, phone, IP, and device details. A single API call lets you validate identities and intentions in one platform, helping risk and compliance teams reduce false positives and cut manual review time.
Here’s what makes SEON one of the most trusted AML and anti-fraud solutions on the market and a top-tier solution on G2.
Here’s a summary of what SEON offers:
- AML screening for PEPs, sanctions, crime lists, watchlists and adverse media in real time
- AML transaction monitoring in real-time to catch incoming and outgoing payments and monitor specific users for a one-time annual fee
- Online platform combining AML screening and transaction monitoring, digital footprint analysis and device intelligence data all in one place to combat money laundering and fraud
- Customer support providing guidance to help you set up your AML tool, tailored to your business and has a responsive customer success team to assist with any questions that you may have
With its comprehensive and customizable risk and fraud platform, SEON empowers risk and fraud teams to turn AML checks into their new competitive edge.
2. Acuris Risk Intelligence
Acuris Risk Intelligence is an AML platform that combines intelligence on anti-money laundering, anti-corruption, and cybersecurity to support compliance teams in managing financial crime risks. It offers curated data across jurisdictions to aid regulatory compliance and risk assessment.
Its KYC6 portal allows users to search individuals or entities manually, run batch screenings, or integrate checks via API. This flexibility streamlines due diligence and enhances the monitoring of high-risk profiles in real time.
3. NICE Actimize
NICE Actimize is a leading provider of financial crime prevention, risk management, and compliance solutions, serving financial institutions and regulatory bodies worldwide. Recognized as a top player in the industry, the company leverages advanced technology to detect financial crimes, prevent fraud, and ensure regulatory compliance.
Its solutions offer real-time fraud prevention, anti-money laundering detection, and trading surveillance, covering areas such as payment fraud, cybercrime, sanctions monitoring, market abuse, customer due diligence, and insider trading.
4. Sardine
Sardine is an AI-powered risk platform designed to support banks, fintechs, and online merchants across the entire customer journey. Its modular tools cover key areas such as device and behavioral intelligence, KYC/KYB, AML monitoring, payment fraud, and merchant risk. The platform enables real-time decision-making, helping businesses manage compliance and reduce exposure to evolving threats.
Sardine also offers AI agents to streamline tasks like onboarding, sanctions screening, and dispute handling—enhancing operational efficiency while maintaining a strong user experience.
5. Dow Jones Risk & Compliance
Dow Jones is a legacy AML software provider offering comprehensive sanctions data coverage. Built on trusted journalism and expert research, its platform supports KYC, sanctions screening, trade compliance, and third-party risk management.
With automated tools and real-time monitoring, Dow Jones helps businesses meet global compliance standards while maintaining operational efficiency across onboarding, due diligence, and risk mitigation workflows.
6. GBG
GBG provides customer intelligence solutions that help businesses verify identities, assess risk, and prevent fraud across the full customer lifecycle. Its tools support secure identity verification through biometric checks, document validation, and access to global data sources—enabling fast, compliant onboarding at scale.
With capabilities spanning KYC, KYB, risk intelligence, and fraud prevention, GBG helps organizations make accurate, real-time decisions. Its global reach and network-driven insights support safe customer growth without compromising compliance or user experience.
7. LSEG Risk Intelligence World-Check
LSEG World-Check, formerly known as Refinitiv World-Check, provides AML data, a database and a data file to help risk and compliance teams adhere to regulations. As a legacy provider of AML solutions, their team is spread across the globe, serving a wide swath of markets.
Despite their extensive data coverage, LSEG Risk Intelligence World-Check might not be the best fit for all organizations. Access to data screening requires an add-on with World-Check One, and if you need customer or payments screening, you’d need to add on Data File, a third-party workflow solution.
8. Napier
Napier provides an advanced AML compliance platform designed to help financial institutions combat financial crime more efficiently. Trusted by top data providers, it turns compliance from a regulatory requirement into a strategic advantage.
With deep expertise and cutting-edge technology, Napier combines big data and AI to enhance efficiency and reduce risk. Its scalable, flexible platform strengthens financial crime defenses, streamlining compliance while improving the detection of suspicious activities.
9. Oscilar
Oscilar’s is an AI-powered AML and fraud risk platform built for fintechs, offering real-time protection against fraud, theft, and financial crime. It provides a unified fraud and compliance (FRAML) view, with pre-integrated data sources, no-code workflow tools, and pre-built rule templates to speed up implementation and reduce manual work.
Its smart case management, AI-driven SAR reporting, and advanced ML models help teams detect risks faster, prioritize alerts, and streamline investigations across diverse fintech operations.
10. FinScan
FinScan, by Innovative Systems, delivers fast, accurate AML compliance solutions built for global scale. Its integrated platform includes KYC onboarding, sanctions screening, risk scoring, and data quality services—all powered by proprietary matching technology.
Trusted by enterprises worldwide, FinScan helps reduce false positives and supports efficient, high-volume screening. With decades of experience, it combines continuous innovation and deep data expertise to meet the complex demands of modern compliance programs.
How to Choose the Best Software
When exploring the best AML software for your organization, navigating the myriad options with a clear strategy is essential. The right software can significantly enhance your compliance efforts, mitigate risks, and streamline operations. Here’s how to find the best AML software tailored to your needs:
- Understand your specific requirements: Assess your organization’s specific risk exposure based on the nature of your business, customer base and geographical operations. Identify the regulatory requirements applicable to your sector and jurisdiction and consider how well the software can integrate with your existing systems for seamless operation.
- Check for reliability and support: Research the vendor’s track record in the industry. Focus on reliability, customer service and updates to keep pace with evolving regulations.
- Consider cost and ROI: Understand the pricing model and ensure it aligns with your budget and usage expectations while evaluating how the software can save time, reduce compliance costs and prevent potential fines by enhancing your AML processes.
- Request demos and trials: Request a comprehensive demo to see the software in action, focusing on ease of use and how it meets your specific needs. If available, take advantage of free trials to test it out in your environment for valuable insights into its suitability.
- Gather feedback and reviews: Consult industry peers for firsthand insights and explore unbiased online reviews to assess AML software performance and reliability. Selecting the best solution involves a careful assessment of your needs, thorough research of available options, and evaluation of features and benefits to ensure regulatory compliance while aligning with your operational and strategic goals.
Explore leading AML software with smooth onboarding, continuous monitoring, and AI-powered decisioning.
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Frequently Asked Questions
It’s a specialized tool that helps businesses meet compliance requirements by automating the screening of customers against sanctions, PEPs, watchlists, and adverse media. Integrated with KYC/KYB processes, it uses AI and rule-based systems to reduce manual effort, monitor transactions in real time, and generate detailed reports for audits and regulatory reviews.
AML software automatically checks user data against specific watchlists. That includes people who live in sanctioned countries, politically exposed persons, and people with poor online reputations (adverse media). The software also needs to check for transactions, especially high-volume ones, so that you can flag and review them manually.
AML software companies have different pricing based on the number of checks you need to perform. You should also consider whether the integration is included in the price.
Your AML software should be able to verify documents, monitor transactions, and check user data against specific watchlists. You should also be able to include a whitelist to allow specific users.
