AI KYC/AML Compliance Digital Worker
Orchestrates nine specialized AI agents that collaboratively execute comprehensive KYC/AML verification workflows. The system performs document analysis, identity verification, PEP/sanctions screening, blockchain wallet analysis, FATF Travel Rule compliance checks, fraud detection, and risk assessment in a coordinated pipeline with real-time streaming of agent thoughts and decisions.
Problem Statement
The challenge addressed
Solution Architecture
AI orchestration approach
Mission Control Dashboard - KYC/AML operations overview showing performance metrics (211 applications, 72.4% auto-approval, 2.3s processing time), application profile form, and agent fleet status
Agent Orchestration - Blockchain analysis phase displaying tool invocations (Tesseract OCR, MRZ Validator), agent network collaboration, and real-time reasoning stream for document verification
Decision Center - Approved decision with 94% confidence showing comprehensive scoring across risk (18/100), document (92%), identity (96%), compliance (95%), blockchain (95%), and market risk (85%)
Executive Dashboard - Real-time KYC/AML operations showing application volume trends, decision breakdown (164 approved, 31 in review, 13 rejected), compliance status (99.7%), and AI model performance (94.3%)
AI Agents
Specialized autonomous agents working in coordination
Master Coordinator
Complex KYC/AML workflows require precise coordination of multiple verification steps, with proper sequencing and exception handling when findings require escalation or additional review.
Core Logic
Coordinates all agent activities and manages the verification workflow execution. Analyzes application metadata, configures specialized agents for optimal processing, establishes secure communication channels between agents, and synthesizes final decisions through weighted consensus voting across all participating agents.
Document Verification Specialist
Identity documents require sophisticated analysis to detect forgeries, tampering, and inconsistencies. Manual document review is slow and may miss subtle security feature anomalies.
Core Logic
Performs multi-layer document analysis including OCR text extraction, Machine Readable Zone (MRZ) validation, security feature verification (holograms, microprinting, UV elements), and template matching against known document formats. Calculates document authenticity confidence scores with detailed evidence.
Identity & Sanctions Specialist
Verifying true identity and screening against global watchlists requires access to multiple databases and the ability to handle fuzzy name matching and false positive resolution.
Core Logic
Queries OFAC SDN List, UN Consolidated Sanctions, EU Sanctions, and Dow Jones Risk Database. Performs PEP screening across 240+ countries with 2.3M+ profiles, conducts adverse media scans, and validates identity through cross-reference checking. Flags matches requiring enhanced due diligence.
On-Chain Intelligence Specialist
Cryptocurrency wallets may have exposure to illicit activities including mixers, darknet markets, and sanctioned entities. Traditional KYC cannot assess blockchain-specific risks.
Core Logic
Analyzes wallet transaction history using Chainalysis KYT and Elliptic Navigator APIs. Performs cluster analysis to identify related addresses, calculates exposure percentages to mixers, DeFi protocols, exchanges, and illicit services. Detects sanctioned address interactions (Tornado Cash, OFAC-listed wallets) and generates comprehensive blockchain risk scores.
FATF Travel Rule Compliance Agent
FATF Travel Rule requires transmission of originator and beneficiary data for cryptocurrency transfers above jurisdictional thresholds. Non-compliance creates regulatory exposure and blocks transfers.
Core Logic
Verifies data completeness for originator and beneficiary information, checks VASP registration status through TRISA and OpenVASP networks, maps jurisdictional threshold requirements (US $3,000, EU EUR 1,000), identifies sunrise issues with non-compliant counterparty jurisdictions, and recommends data collection protocols.
Fraud Pattern Analyst
Application fraud and synthetic identity schemes require pattern detection across behavioral signals, device fingerprints, and velocity indicators that manual review cannot systematically analyze.
Core Logic
Initializes fraud detection pipeline with Isolation Forest anomaly detection models. Analyzes behavioral patterns including device fingerprint, session behavior, and form completion. Calculates velocity scores across email, phone, and device identifiers. Performs network analysis to detect connected accounts and fraud ring patterns.
Credit & Risk Analyst
Composite risk scoring requires aggregating findings from multiple agents while properly weighting different risk factors according to their predictive importance.
Core Logic
Collects inputs from Document Analyst, Identity Verifier, and Fraud Detector. Runs Basel III calibrated credit risk models with weighted factor analysis. Calculates composite risk scores incorporating credit risk, jurisdiction risk, and income/volume risk. Determines overall risk level (low/medium/high) with model confidence intervals.
Real-Time Market & Risk Monitor
KYC decisions made without current market context may not appropriately adjust for high volatility periods, regulatory changes, or network congestion that affects transaction monitoring.
Core Logic
Monitors real-time cryptocurrency prices (BTC, ETH), market volatility indices, and Fear & Greed sentiment indicators. Tracks regulatory intelligence feeds for new sanctions, enforcement actions, and guidance updates. Calculates market risk adjustment factors for onboarding decisions during high volatility periods.
Regulatory Compliance Expert
Final compliance determination requires expert evaluation of all findings against BSA/AML requirements, with proper documentation for regulatory examination.
Core Logic
Performs comprehensive compliance checklist validation including CDD, identity verification, beneficial ownership, and source of funds. Determines SAR filing requirements, CTR monitoring needs, and enhanced due diligence triggers. Generates compliance scores, documents regulatory reporting requirements, and produces audit-ready compliance documentation.
Worker Overview
Technical specifications, architecture, and interface preview
System Overview
Technical documentation
Tech Stack
6 technologies
Architecture Diagram
System flow visualization