Fourthline’s AML products ensure that clients are not sanctioned, PEPs, known fraudsters, or in adverse media articles that might cause you reputational damage.

We offer the following:

The flow is as follows:

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AML Screening

Fourthline performs a one-off screening to check whether the client currently appears in public sanctions, PEP, and/or criminal convictions lists, and/or in adverse media articles. You can request a screening during onboarding or at any point in the client’s lifecycle.

AML database check

1. We check all entries in your selected AML database, searching by:

• First and last names
• Date of birth
• Gender
• ID document number

2. We notify you if we find no hits, or potential hits. For potential hits, we perform a risk assessment.

Risk assessment

1. Fourthline's AI agent corrects any errors in the following data points, runs them through our proprietary risk assessment, and generates a risk score for every potential hit on each data point:

• Address
• Age
• Date of birth
• First and last names
• Gender
• Geolocation
• Nationality
• Place of birth

2. We compare the address against Google.

3. We check your agreed auto-rejection threshold, e.g. 25 hits per case.

4. If the screening is part of an Identity Verification flow, we also:

• Compare the data points entered by the client to their ID document and correct any data entry errors.
• Check if the client appears in your sensitivity list of known fraudsters or suspicious persons you don't want to do business with.

5. We notify you if our AI agent rules out any hits as false positives. If the AI agent determines hits are likely not to be false positives and you have AML Investigation configured, we investigate to confirm they are actual hits or false positives.

6. Optionally, a second Fourthline human agent can also perform a four-eyes review of confirmed hits.

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AML Monitoring

Fourthline checks every 24 hours whether the client appears in public sanctions, PEP, and/or criminal convictions lists, and/or in adverse media articles. For efficiency, we only check new and updated entries in the AML database.

AML Monitoring follows the same process as screening and can continue throughout the client’s lifecycle for as long as needed.

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AML Investigation

Fourthline’s AI agent and human agents perform a forensic OSINT investigation of any potential hits. Without an investigation, potential hits remain open and are neither confirmed nor ruled out as false positives.

1. In the Case Review Portal, Fourthline’s AI agent compares the following corrected data points against your selected AML database:

• Age
• Date of birth
• Gender
• Geolocation
• Name
• Nationality
• Place of birth

2. For each data point, one of the following outcomes is returned:

3. Fourthline human agents scour public sources online to determine if the client is the same individual as in a potential hit.

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