AML & KYC Compliance, Tailored to Your Industry

Insurance is not one industry. Your AML software shouldn't pretend it is. FinScan handles P&C, Life, and Health as the distinct programs they are. P&C gets claims-side screening with full coverage of brokers, agents, and third-party payees. Life gets long-tail beneficiary screening on cash-value products. Health gets OIG exclusion-list coverage under HIPAA-aware data handling. One platform, three deployments that each satisfy the regulator examining them.

For MSBs, every remittance is a real-time sanctions decision. Narrow margins, high volumes, FinCEN registration, and state-by-state money transmitter licensing all share the same operational truth: a remittance held for review is a customer lost. FinScan screens MSB transactions in under 100 milliseconds against the lists every state and federal regulator expects to see covered, with corridor-aware logic and 314(a) request handling built in.

In FinTech, compliance has to move at the speed of product. Partner banks expect a real compliance program, BaaS structures put the FinTech and its sponsor under joint examination, and stablecoin and crypto exposure changes the screening surface every quarter. FinScan deploys quickly, scales without re-architecting, and gives FinTechs the audit trail their partner bank will ask for.

A bank's BSA program never gets simpler. FinScan was built knowing that. Two problems define life inside a mid-size or neobank compliance team: the false positives that bury the analysts, and the real hits that slip through anyway. Both come from the same place, which is the data underneath the screening engine. FinScan handles the data work that other screening tools leave to the customer, so the alerts the team investigates are alerts worth investigating, and the names that should have surfaced actually do.

Card issuers approve in minutes. The screen can't slow them down. Synthetic identity, identity theft, sanctioned counterparties, and AML regulators all converge at the same onboarding moment, on top of payment-network rules. FinScan screens applicants against sanctions, PEP, and adverse media at consumer-decisioning speed, so the screen never becomes the reason a good customer drops off.

Title 31 has to run as fast as the casino floor. Currency transaction report thresholds, multiple-transaction aggregation rules, and patron screening that keeps pace with the gaming floor (or the online platform) are the operational reality of Title 31 compliance. FinScan screens patrons, payouts, and counterparties against the lists Title 31 examiners expect, on the deployment cadence the casino runs.

In shipping, the sanctioned party is usually three layers down in the counterparty chain. Sanctions risk lives in cargo, vessels, routing, owners, charterers, and counterparties, with dual-use goods controls and deemed-export rules layered on top. A single sanctioned vessel or sanctioned beneficial owner in the chain is an OFAC enforcement risk. FinScan screens the full counterparty graph against sanctions, watchlists, and dual-use goods data.

In healthcare, an exclusion-list miss means more than an AML problem. Provider, payer, member, and vendor screening runs against OFAC, the OIG List of Excluded Individuals and Entities, GSA exclusions, and state-level lists, under HIPAA constraints that limit how data can move. Exclusion-list violations carry False Claims Act exposure on top of AML risk. FinScan handles healthcare's specific list mix and data-handling requirements.

When BigTech started moving money, the regulators followed. PayFac models, embedded finance, and merchant-of-record structures put BigTech platforms under the same regulatory expectations as the banks whose rails they sit on, with compliance programs that were not designed for this kind of scrutiny. FinScan brings bank-grade screening to BigTech without requiring the BigTech to operate like a bank.

NGOs run a bank-sized program with one compliance hire. Donor, vendor, grantee, and field-partner screening obligations under US, UK, EU, and UN rules apply to charities and NGOs the same way they apply to banks, but most run that program with a fraction of the compliance staff. FinScan gives charities and NGOs a defensible screening program without requiring a bank-sized team behind it.