Monitor Every Move. Miss Nothing.
Financial crime does not announce itself. SmartKey's Real Time Monitoring platform applies continuous behavioral analysis, configurable rule libraries, and machine learning across your full transaction stream — surfacing suspicious activity at the moment it occurs, so your compliance team can act before risk becomes loss.
24/7 Transaction Surveillance
Every transaction — regardless of channel, currency, or counterparty — is evaluated continuously against your institution's risk framework. Automated alert generation flags anomalies in real time, routing them to the appropriate analyst tier based on risk severity. Reduce response time from days to minutes while maintaining a complete, auditable decision trail for every alert raised and resolved.
Behavioral Analytics & Risk Scoring
Static rule engines produce high false-positive rates that drain analyst capacity and mask genuine risk. Our behavioral analytics layer builds a dynamic risk profile for each customer and counterparty, continuously recalibrated against peer-group benchmarks and historical patterns. Unusual velocity, structuring behaviors, round-amount transfers, and geographic anomalies are scored automatically — prioritizing alerts that matter most.
SWIFT MT / MX Message Monitoring
International correspondent banking and trade finance introduce unique compliance obligations at the message level. Our SWIFT monitoring module screens every MT and ISO 20022 MX field — originator, beneficiary, routing instructions, remittance information — against sanctions and watchlist data in real time. Straight-Through Processing (STP) flows are preserved for clean messages; suspected transactions are quarantined for analyst review.
Customizable Rule Engine
No two institutions carry identical risk profiles. SmartKey's rule engine is designed to be owned by your compliance team — not your vendor. Define scenario-based rules, calibrate thresholds, weight contributing factors, and manage rule lifecycle entirely through a secure web console, without writing a single line of code. Pre-built rule libraries aligned to FATF Recommendations, Basel AML guidelines, and regional regulatory frameworks provide an immediate foundation your team can extend at will.
