AI-Native AML Investigation. 100% On Your Infrastructure.
Give your compliance team end-to-end investigation case management, AI-assisted narrative generation, maker-checker STR/SAR filing, and a tamper-evident audit trail — all running on your own servers. No data leaves your network.
The Problem
AML teams are drowning in manual work
Regulated institutions face growing regulatory pressure with teams still relying on spreadsheets, email threads, and manual report writing.
No single source of truth
Cases tracked in spreadsheets and email threads. Deadlines missed. When regulators ask for evidence, there is nothing defensible to show.
Narrative writing takes hours
Analysts spend more time writing STR/SAR narratives than actually investigating. Inconsistent quality across reports creates regulatory risk.
No tamper-evident audit trail
When examiners arrive, teams cannot prove what was done, who approved it, and when. The absence of an immutable audit log is itself a finding.
Platform Capabilities
Everything your compliance team needs
Built for regulated financial institutions — every feature is production-ready and deployed on your own infrastructure.
End-to-End Case Management
CoreFull investigation lifecycle with SLA tracking, breach alerts, and maker-checker approval workflows. No case falls through the cracks.
AI Copilot with Human Review Gate
AIAsk questions, summarize cases, draft STR/SAR narratives, and extract action items. Every AI output requires mandatory human review before it is used — EU AI Act Art. 14 compliant.
Maker-Checker STR/SAR Filing
goAML XML (UAE · EU · Australia · Saudi Arabia), FINnet 2.0 (India · FIU-IND), and NCA SARs Online (UK). Dual-approval workflow before any report leaves the system.
Tamper-Evident Hash-Chain Audit Trail
Every action is cryptographically chained. No entry can be modified or deleted without detection. Provides the defensible audit trail regulators expect during examination.
Sanctions Screening
Screens against UN Security Council, OFAC SDN, and EU Consolidated lists with fuzzy name matching and configurable similarity threshold. Auto-triggered on subject create and update.
UBO Verification with Case Closure Gate
Record and verify Ultimate Beneficial Owners at configurable threshold (e.g. 25% per EU AMLA 2024 Art. 42). Cases cannot be closed until all UBO records are verified.
RBAC with Separation of Duties
Five roles: Super Admin, Admin, Manager, Analyst, and Viewer. No single user can investigate and approve their own case — enforcement is in the workflow, not an honour system.
Investigation Playbooks
Pre-built task templates auto-applied on case creation by case type (e.g. Trade Finance, Account Takeover). Consistent methodology every time, fully customisable.
GDPR DSAR & EU AI Act Compliance
EU30-day DSAR deadline tracking, subject pseudonymisation, and erasure audit trail. AI Act module includes conformity checklist and CSV export for regulatory submission.
Also included
How It Works
From alert to filed report in three steps
Ingest & Triage
Alerts flow in and are auto-triaged by risk rules. Bulk triage up to 100 alerts at once. Assigned to the right analyst with SLA clock started.
Investigate with AI
AI Copilot assists with case summaries, transaction analysis, entity graph, and narrative drafts. Every AI output goes through a mandatory human review gate before use.
File & Close
STR/SAR exported in jurisdiction-correct format (goAML, FINnet 2.0, NCA SARs). Maker-checker approval required. Audit trail sealed and immutable.
Jurisdiction Coverage
Built for each market. Not a generic template.
Every jurisdiction ships with the correct regulator labels, reporting formats, currency thresholds, deadline rules, and ID document types.
| Jurisdiction | FIU | Report Format | Regulatory Framework |
|---|---|---|---|
🇮🇳India | FIU-IND | FINnet 2.0 XML | PMLA 2002 · RBI AML Guidelines |
🇦🇪UAE | UAE FIU | goAML XML | Federal Law No. 20/2018 · CBUAE |
🇪🇺EU — 27 Member States | Per-country FIU | goAML XML | EU AMLR 2024 · AMLD6 · GDPR |
🇬🇧United Kingdom | NCA UKFIU | NCA SARs Online | POCA 2002 s.330 · MLR 2017 · UK GDPR |
🇦🇺Australia | AUSTRAC | SMR XML | AML/CTF Act 2006 · DFAT Consolidated |
🇸🇦Saudi Arabia | SAFIU | goAML XML | AML Law 2017 · SAMA Rules |
EU AMLR 2024 Ready
OpsOwl AI ships with pre-built presets for all 27 EU member states — including Sweden (Finanspolisen / FIPO, SEK), Netherlands (FIU-NL), Germany (FIU-DE), France (Tracfin), and more. UBO 25% threshold gate, GDPR DSAR workflow, and EU AI Act conformity checklist included.
On-Premise Deployment
Your data never leaves your network
OpsOwl AI is deployed entirely within your own data center or private cloud. No SaaS. No shared infrastructure. No customer PII in a vendor cloud.
- 100% on-premises — deploy on your own servers via Docker Compose. Zero cloud dependency.
- Air-gap bundle — pre-packaged offline installer for environments with no internet access (banking, government, regulated networks).
- Offline JWT license — RS256 signed license works with no connection to any license server.
- AES-256 encryption at rest — all stored data encrypted at the storage layer. Keys stay in your environment.
- SIEM/SOAR webhook integration — push audit events to your existing security stack (Splunk, QRadar, Microsoft Sentinel).
- Session controls — per-user session limits, API key management, account lockout, and password history enforcement.
AI Copilot
AI that assists — not decides
Every AI output requires a human to review and approve before it is used. This is not a configurable option — it is enforced in the workflow. EU AI Act Art. 14 compliant by design.
Ask
Human review requiredNatural language questions about a case — transactions, subjects, timeline. Answers cite source data from within the case.
Summarize
Human review requiredAuto-generate a structured case summary from notes, documents, and linked transactions. Saves 30-60 minutes per complex case.
Generate Narrative
Human review requiredDraft STR/SAR narrative in regulatory language, pre-populated with case facts. Analyst reviews, edits, and approves before the report is filed.
Extract Action Items
Human review requiredParse case notes and automatically create investigation tasks and follow-up items. Keeps investigations on track.
Autonomous Agent
Human review requiredRun multi-step investigation workflows — gather related transactions, screen entities, build a timeline. Every step is logged. Still requires human sign-off.
AI Act Compliance Dashboard
EU AI Act ReadyReal-time conformity checklist: decisions logged with model version, human review rate, explainability citations. CSV export for regulatory submission.
Mandatory human review gate: No AI output — summary, narrative, action item, or agent result — can be saved, used, or filed without a human reviewer explicitly approving it. This is enforced at the API level, not just the UI.
Ready to see OpsOwl AI in action?
We offer a live walkthrough with your jurisdiction pre-configured. No generic demo — we show you exactly what your compliance team will use every day.
Email us at demo@opsowlai.com — we respond within 24 hours.